Bogleheads.org

ETadvisor

Mediterranean diet - Extra-virgin olive oil sprinkled with oregano and squeeze a lemon

ETadvisor

Imperturbable

ETadvisor

My understanding is the most likely way the coronavirus is transferred is from person to person contact. For safest way to get food, I would eliminate the contact with people. To achieve this, I would schedule no contact delivery by instacart, shipt, etc., to the place of residence with instructions...

ETadvisor

Do not have new car with Android Auto but I like the Waze app. I think it would be supported by Android Auto.

ETadvisor

For those that have the means to front load IRA early in the year are you scheduled in 2020? If so, are you buying Total Stock Market? My AA is 100% TSM in IRA.

ETadvisor

It appears that the new rules for inherited IRAs only apply if the inheritance occurs in 2020 or later, so are not retroactive to existing inherited IRAs. I found this link that gives a good explanation of both the old and new rules: https://www.wealthmanagement.com/estate-planning/secure-act-sets-...

ETadvisor

Bought in 2011 when the market was down, on the water close to work. Like the location and others on our street around 2500 sq ft have sold in the 300-350k range recently so not outpricing the neighborhood Sounds like it might be a good place to stay and raise a family. :happy The addition sounds a...

ETadvisor

Allocate 0% to REIT except for the amount held in TSM. Why? My IPS states do not hold anything less than 5 % as it will not make much of a difference. I read on here that U.S. REIT correlate with mid and small cap value stocks. I already tilt toward mid and small so I do not buy REITs. I bought some...

ETadvisor

Early 40s and late 30s

His 401k 85/15
His Roth 100/0
Her Roth 100/0
Emergency Fund - all cash

Overall equity/fixed (w/EF)
78/22

Overall equity/fixed (w/o EF)
88/12

ETadvisor

I prefer not to place bonds in a Roth IRA but I do not know if you have other tax-deferred accounts for bond placement.

ETadvisor

OP, Why so complicated? If you save 1 year of current annual expense every year, you will be FI in about 20+ years. So, why do you need to think about retirement at retirement age? KlangFool Sounds simple, but how do I know what my annual expenses are at age 40, 60, 80? Health costs are one unknown...

ETadvisor

I know two Sisters (my mom and my aunt). Sister one lives in Baltimore and Sister two lives in South Florida. Every late January, Sister one travels and visits Sister two until she outstays her welcome. Sister two rarely travels and visits Sister one even in the summer months. Neither Sister has any...

ETadvisor

bloom2708 wrote: ↑Thu Apr 04, 2019 8:12 am I filled up my Property Taxes fund for 2019 property taxes. $5k in the fund.

Not exciting.

+1

ETadvisor

Absolutely open a Roth IRA and if you contribute prior to Tax Day you can still apply for 2018 and then you have rest of the year to fill up the 2019 Roth space ($6,000). If you do not contribute you lose the tax advantaged space forever. The funds in your 401k are excellent choices. I would not pla...

ETadvisor

Go to the highest rated law school you are accepted to. Who wouldn't hire a Harvard law school graduate?

ETadvisor

I utilize bonds for safety. I chase returns with equity. I just buy total bond mutual funds for simplicity.

ETadvisor

I like Lucky's brand

ETadvisor

So...since you can't purchase fractional shares of ETF's (at least you can't at Vanguard, to my understanding), how does one accurately purchase and rebalance them according to one's desired asset allocation? This is probably made even tougher if you're doing any amount of slicing and dicing. Since...

ETadvisor

I think I may need a new fridge and I a trying to determine two things. 1) Do I actually really need a new one soon? My current fridge is a 15-year-old Kenmore (Google tells me fridges last 13 years on average, but my parents had theirs for 20 years now and my boyfriend says his is also over 20 yea...

ETadvisor

No Escrow. All my cash is in checking & savings at the same brick and mortar institution and EF is in HY savings account earning over 2%. I pay insurance from checking and much larger (relative to insurance payment) tax bill from the savings which I need to add money during the year. In essence ...

ETadvisor

Yes but this gets technical and also have to factor in state law. and the language of the estate planning document(s). For federal law, the current exemption amount is $11.4 million. Assuming no taxable gifts were made during life. An individual may shelter up to $11.4 million in a Credit Shelter Tr...

ETadvisor

I work in banking and like the look of ties so I enjoy wearing them. My work clothes are all made-to-measure so they do not feel uncomfortable. I think most people would feel better about wearing dress clothes if they fit better. +1 I always hated neckties because felt tight. I purchase tailor made...

ETadvisor

The grass always looks greener. And this site is not representative of anything average or normal. But there are many doctors, engineers, and business owners posting the larger numbers. Also some of that is regional, people living in high cost of living areas, where all make more than national aver...

ETadvisor

No. My IPS states do not invest in commodities, precious metals, mining and exploration companies, and the like.

ETadvisor

Main question is, I feel like I have a lot saved in cash that I can’t bring myself to put into the market. Thought I would ask the boards opinion on what to do. Story: 2 years out of college, 24 year old currently making around 90k, wife will graduate from Physician Assistant school soon and expect...

ETadvisor

I work in tech. Here the C-level wears khakis and sport jackets. The managers wear polos or button down shirts with jeans, even in accounting. The engineers wear t-shirts and shorts. Even our external auditors don't wear full suits and ties anymore! For formal business events I wear a jacket or a t...

ETadvisor

Hello, I happened to chance upon: https://www.marketwatch.com/lazyportfolio and compared "Second Grader's Starter" (which equals Three Fund Portfolio) to S&P 500. Clearly the S&P 500 has been better in every time frame. So I'd like to understand why is the overall recommendation n...

ETadvisor

The DFA US Micro Cap Portfolio fund, DFSCX, was launched literally within the same year, 1981, as the publication of the original paper that brought the size effect to wide notice--"The relationship between return and market value of common stocks," by Rolf Banz. It is managed by a fund c...

ETadvisor

If everyone agrees that indexing is superior to actively-managed funds, then why is Wellington and Wellesley still so popular? Not to mention that Wellington and Wellesley have higher expenses as well. Doesn't it make sense to just skip Wellington/Wellesley and build your own "Three-Fund or Fo...

ETadvisor

If I want to update my portfolio to 67/33 or even 60/30, I am scratching my head on whether it would be best to put the bonds in my 401Ks/Roths or taxable accounts. Put your bonds in your pre-tax accounts. Put just stocks in Roth and taxable accounts. Funds available in my current 401K: The best op...

ETadvisor

I value the experience and expertise of the BH community on an array of topics and is why I post here. I hope my topic is acceptable as not per se Finance related. I want/feel obligated to provide a speech for my parent's 50th anniversary party. The target audience is 50+ friends, dad's work relatio...

ETadvisor

"Simplicity is the master key to financial success."

ETadvisor

1. Is MWTSX the lowest cost bond option in your 401k? 2. Since most of her plan that I suggested was Vanguard funds anyway, I'm thinking of just putting the money into their ETF equivalents and calling it a day. My idea is below, any thoughts would be greatly appreciated! Schwab S&P 500 Index E...

ETadvisor

I am looking for feedback on if you think we will be able to continue to pay private school tuition k-12. $200k hhi with bonuses $7500-$36000 $330k retirement btwn Roth and 401k’s Age 40 and 48 We contribute $50k btwn Roth an 401k and employer matches. Mortgage: $1780. ( currently paying 700-1000 e...

ETadvisor

The value could be around $728,000 (assuming 3% appreciation per year). I am making these assumptions: Other than the 60K down payment (+ initial costs), I won't need to pay any more out of pocket. I can use the rent to pay for: mortgage, taxes, repairs, management company fees. Questions: What are...

ETadvisor

My wife has a rav4 that’s lease (not our best decision) is up in Sept and we are looking to buy a new vehicle to replace it that she will have for 7-10 years and be a safe and reliable family vehicle. Based on the feedback the Rav4 will likely be a more reliable choice. If we opt for the hybrid it ...

ETadvisor

Thank you for all the responses. I decided to purchase new phone and I selected the Samsung Galaxy J3 Star at my local T-Mobile store. My only grumble was the store charged $20 extra upgrade fee.

ETadvisor

This is my strategy for my 30 year fixed 3.5% mortgage. I throw 1 extra principal payment each year. See bi-weekly payment. This knocks almost 4 years off mortgage. As I approach retirement, I can pay it off in one lump sum or not. I prefer not to tie up my money in an illiquid asset with a historic...

ETadvisor

My current phone is the Samsung Galaxy Core Prime. Android OS 5.1.1. My carrier is T-Mobile. I misplaced the factory phone charger some time ago and have been using non-factory replacements including the most recent, a cheap Duracell phone charger. The battery charge does not hold well anymore and c...

ETadvisor

I have a pile of money I could use to pay down my mortgage and eliminate PMI. Alternatively, I could just invest the money. I'm trying to understand how to choose between the two options. If the mortgage did not involve PMI, it would be a pretty straightforward decision. Do I bet that my investment...

ETadvisor

The new 2019 hatchback corolla increased to 2.0 L. If you commute with highway driving, anything less may be too sluggish. I have a 2.0 L mazda 3 and when I am in market for next car may opt for the 2.5 L. I would consider Mazda 3 as another choice.

ETadvisor

I am 22 years old I’d like to know how is asset allocation on this specific portfolio? 75% Vanguard total market fund (VTI) 15% Vanguard total bond market fund (BND) and 10% Vanguard total international (VXUS). 90/10 or 85/15 is not going to move the needle much. It is more important how much you c...

ETadvisor

I didn’t realize Mass stacked up so “middle of the road” tax wise. I, lazily, think of FL and TX and think everywhere is better than NJ, MA, NY, CT; thanks for the stats. We tend to focus on income taxes on this forum, for obvious reasons, but property taxes can matter more for retirement. And Texa...

ETadvisor

Eliminate PMI yesterday

It is insurance for the lender that provides you zero benefit and does not build equity in your home.

ETadvisor

Below are the funds eligible for my plan: The best options are: Vanguard Total Stock Market Index VTSAX -- Complete US stocks Vanguard Developed Markets Index VTMGX -- 80% of international stocks Vanguard Total Bond Market Index VBTLX -- US bonds View your tax advantaged accounts as 1 portfolio. Im...

ETadvisor

Journalists tend to sensational stories to provoke interest at the expense of accuracy.

ETadvisor

The counterpoint to that is that, international index has underperformed VTSAX by 5% annualized over the past 10 years, and about 3% annualized over the past 40 years (the second bit is hearsay, I can’t quite produce stats to back it up but believe it, but the first bit can easily be checked online...

ETadvisor

Not a cult. Do not force our views on others and require to follow them to join bogle heads. Investing is not akin to religion/worship.

ETadvisor

Hello all - Apologize for this long winded post but I thought some might find these calculations helpful - they weren't obvious to me until I ran them and please point out errors if you see them. Intuition would say it's always better to reduce your mortgage vs. invest the extra cash - as long as y...

ETadvisor

First determine AA. View all your accounts as 1 portfolio. 100/0 or 90/10 will not make much of a difference. I would hold some bonds. Your 401k plan equivalent has a low ER for the target date fund. I would select that for simplicity. I would not place any bonds in the Roth IRA.

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