Bogleheads.org

We recently relocated to Il from CA using a national moving company. They packed and unpacked items at both houses. Its worth the extra expense and headache to let them do it. Moving is stressful enough without driving your goods, and packing/unpacking. The driver was good and kept us informed of an...

Check out Sun City West, AZ (Corte Bella retirement community). Stayed there several times with friends. Lots of activities especially golf related. About 300K for very nice 2+ BR home with pool. Gated and well maintained. Low dues with clubhouse, pool, gym, rest...ect. Next, if you like a younger c...

I was on a SF condo board and we never assessed a transfer fee. That said, we should have to fund repairs etc... If I were you I would refuse to pay the fee, and let the HOA enforce its rules 9 times out of 10 ALL rules are not enforced. They could potentially block sale by placing a lien but that i...

A good friend is an AC/Heating guy and the first thing he does is replace the $20 "run capacitor" its the first thing to look at. Its basically 4 screws to remove the cover (see youtube) and replace with new capacitor. This is essentially the "battery" to get the unit going. The ...

You will absolutely "break" the poverty or poor background you mentioned. We were poor trailer trash at the ripe age of 19 and now live comfortably with 5ml + net worth. Invest wisely, don't use a broker or friend to manage your money. The Roth account should be the "last" nickel...

First, Congratulations on this fantastic opportunity for you and your family. We lived in SF (South Beach) and Pac Heights for 12 years and absolutely loved it. Financially speaking it was great because of pay, benefits, and "cashing" out when its time to sell real estate. Best advice we c...

I have no b/g in life insurance sales. that said I would stick with option 1. it gives you best coverage for years you need it most. you may want to consider adding 100-250K term for 10-20 years. this will help with kids god forbid the worst happens during those early years before retirement. either...

You are making a smart move by transferring the assets to VG. That said, we recently had funds transferred to VG from other retirement accounts and the process takes at least 3-4 weeks. First, you will notify ML that you plan to liquidate/transfer the accounts and move everything into cash. About th...

First, good luck with the move and new post. I'm a retired Fed with three PCS moves across country. Additionally, my wife's corporate PCS was our last move. In each case we sold our property (even our condo in SF) and never looked back. I don't recommend becoming a long distance landlord. If there w...

Couldn't have said it any better. I have told my "market timing" colleagues the same thing. As well as my spouse who wakes up reading the financial pages and suddenly wants to jump into cash. quote=valuables post_id=5103292 time=1584417577 user_id=157184] easier to rationalize losses if yo...

Absolutely a great idea. I would love to be in your position. However, in about 10 years we are planning to cash in as well, and pay off 975K loan on 2ml. house. We will be 72 and our portfolio will be 50/50 with enough funds to live happily in retirement. You will not regret your decision. Obviousl...

sorry. it was not my intention. i just joined the site. posted a few comments and thought it may be insightful for others to read. still trying to figure out rules/policies as someone has told me that a statement of mine "SS is under attack" is too political and flagged. Really? Is there s...

Lastly, the new tax law reduces all SS payments using chained CPI for the future. This is a BIG deal, but most people don’t seem to know or care. Do you have a source or a citation for this? I would like to read about it. [OT comments removed by admin LadyGeek] Chained CPI over a few years is nothi...

Both my Dad and FIL took SS @ 62 and each had about 20 more years of life after that. Both said they wanted to travel and enjoy life before nature took it's course. Despite reasonable health, they went downhill quickly and both said they were glad they retired when they did, with no regrets. I'm 60...

Simple rule of thumb- you will need at least80% of what you earn now, excluding SS to retire comfortably. That's a terrible rule of thumb. I was spending about 20% of what I earned before I retired and my spending didn't multiply by 4 in retirement. For some the required spending might even be more...

Simple rule of thumb- you will need at least80% of what you earn now, excluding SS to retire comfortably. SS should be taken at 62 and reinvested 60/40 equity index fund and total bond market index. You should not plan on completely retiring if you have to take withdrawals before age 65-69. By work...

Simple rule of thumb- you will need at least80% of what you earn now, excluding SS to retire comfortably. SS should be taken at 62 and reinvested 60/40 equity index fund and total bond market index. You should not plan on completely retiring if you have to take withdrawals before age 65-69. By worki...

Black Dog of Fate by Peter Balakian. 10th anniversary edition. A memoir of the Armenian past. Incredible family story of horror and genocide by Turkey that has never been fully understood by most people.

Yours is a good problem to have for most folks. That said R/E is part of of your overall portfolio and you should look at where you live, and how long you plan to live there as prime considerations for how much to borrow. You are not crazy for moving up to 1.2. Ml if it’s in a desirable urban area. ...

Hi- as a general rule I avoid target funds. The fees are higher than total market index and 500 index as well as total bond market index fund. You can do the same diversification on your own and save money by sticking with a diversified plan e.g. 35 years old, 90/10 equities to bonds, and so forth. ...

First, congratulations on your investment savings and plan for the future. Your future is very bright. A few words of wisdom-stick with a diversified plan e.g. 90/10, 60/40 as you reach age sixty. Invest in index funds 500 or total market including international ( low cost and historically out perfo...