Bogleheads.org

Most (all?) states with a sales tax also impose a use tax that requires you to declare untaxed items and pay the local sales tax on them. So those purchases made over the border are still taxed in your home state. While a significant majority of people fail to comply with this requirement (or are un...

We've had a historic bull market run. Lots of people who might have had legitimate concerns when retiring in the last 10 years have been soothed by terrific market returns. It's getting increasingly difficult to draw any conclusions about retirement viability based on anecdotal evidence from the coh...

I wish money magazine kept that website going. Is there any other website you have found with similar capabilities? I think my number 1 would be weather/climate, 2 affordability (including taxes), 3 decent healthcare, 4 desired activities available (astronomy/computer club, Tai Chi master, beach or...

Our oldest is the one who is probably barely college material. He's the one we are looking at steering towards the military or firefighting academy. Don't forget the trades as an option as well. There is a huge shortage of skilled tradespeople and jobs will be plentiful for the long foreseeable fut...

I have no advice on your specific query, but I would offer a caution. Depending on your time frame before retirement be aware that you may have different ideas about where you would like that retirement home to be than you do now. I have two friends that purchased their "retirement home" a number of...

Obviously the interview predates his divorce. The impact of divorce on the finances of an early-retiree would be an interesting avenue for exploration. Many retirees (early or not) will experience this kind of significant disruption to their carefully-made plans. For those that frequent his site doe...

I track my net worth in Personal Capital (because it is easy). You can set up a link to the Zillow value of your house and Personal Capital will automatically update that number. Every 2-3 months I update the outstanding balance on my mortgage as listed on my mortgage statements. This number doesn't...

http://www.goodcarbadcar.net/2019/03/february-2019-ytd-u-s-suv-and-crossover-sales-rankings-every-suv-ranked/ Honda is still selling a bunch of CR-V' s despite all the complaints and issues. :confused The CR-V is number 2 in YTD sales behind Nissan Rogue. I am not sure if fleet/rentals have boosted...

Motor Trend just did a comparison of the current crop of top CUV contenders: [Motor Trend] The New Normal: Toyota RAV4 vs. Honda CR-V vs. Subaru Forester vs. Nissan Rogue and Five Other CUVs The Results: 1st Honda CR-V - The start-up chime should be DJ Khaled's "All I Do Is Win." 2nd Mazda CX-5 - Be...

If it is your money, it is your saving. There are only 4 categories: income, taxes, saving, and expense. KlangFool Klang, I'm curious... how do you account for money set aside for larger, irregular expenses, such as housing repairs or appliance replacement, or future car purchases? Do you count fun...

I have a spare key stashed in a discreet location on my property. A determined thief could probably locate it if they spent enough time looking. But anybody that determined would just break a window and gain quick access.

We have one joint account that is really just a formality and otherwise everything is separate. We split mortgage and utilities 50/50 by one spouse transferring 1/2 of our total monthly average cost for these items to the joint account and the other spouse paying the utilities and transferring the ...

I've had my HP-11C since starting college in 1985 and it still works perfectly. I have a 15C I keep at the office that is around 20 years old, also works perfectly. They both get used constantly, particularly the 15C. RPN with a stack and tons of storage locations just makes lengthy or complex calcu...

The graphs are OK, but it would be nice to have an annualized SS dollar amount and the % & $ increase relative to the prior year added to the table. Can you elaborate on what you mean by annualized SS dollar amount? The actual earnings, the SS maximum, and the indexed earnings are shown in the tabl...

Taking loans/money out of your retirement accounts. Money needs to go in and stay in to enjoy the benefits of compounding. Too many people use loans against that money to finance all sorts of expenses they don't need.

Neurosphere has an excellent spreadsheet linked in this thread:

Downloadable Social Security Benefit Estimator (repost)

It does exactly what you want, and it's easy to play around with adding or subtracting additional years of earnings and quickly seeing the results at various claiming ages.

You're still young, so a lot can change over the years. But this might give you some idea of savings time frames. As mentioned, the $1 million number isn't magic. It's really your living expenses that drive your retirement target number. The Savings Rate Grid - Four Pillar Freedom https://i2.wp.com/...

But why would someone retire young and only live off of 50% or less of there income. Why not work longer and secure the 70-80% that will help secure a good retirement income. I doubt many are living off 50% of there income for 20-30 years then retire. It takes many 30 years to pay off there house. ...

Being DINKs but living a modest lifestyle has allowed us to save a lot of money even without particularly high incomes, and we'll be retiring in 3 years (age 53). Then we'll spend the next 40 or so years doing whatever we want. The list of things we want to do in retirement is huge. We didn't have k...

We spent 3 nights in London last year and stayed at the Staybridge Suites London in Vauxhall. The place was truly a gem, and only cost us $185 a night. Everything is newly remodeled, and the rooms have a kitchenette. The place is very nice. The free breakfast was really nice also. It's walking dista...

Please, no cologne at work. Who are you trying to impress with your scent at the office anyway?

Even if nobody at work has ever complained about your cologne, I can promise you there are people there who are wishing you would stop wearing it.

850 for FICO based on TransUnion.
829 for FICO based on Experian.

Thanks! I’m starting to see themes. For Skagway, how did you feel about the bus and train. Would you have rather done all train? Or did the bus allow you to go farther on the train? It looks like our ship will go into Glacier Bay (won’t stop there for an excursion) so that should be good. And I wil...

My wife and I did a similar cruise a couple of years ago. We're not much for group tours, so we only did a couple of organized excursions, but enjoyed them both. We didn't book through the cruise line, even though we were aware of the warnings about the ship not waiting for late tours. The companies...

Ocean City Maryland is an excellent destination for a golf getaway. They have tons of excellent courses and are very golf-focused. Plus, you're by the ocean and they have good bars/restaurants for just this kind of group weekend.