Bogleheads.org

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whilst Celine Deon screeches out at 11 on busted speakers To be clear, we never experienced this... it was always Party People, from a cellphone Just to expand on your insurance point: We sold both of our cars, but the insurance company let us keep our account in some kind of hibernated state where...

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We didn't end up using any mail forwarding. We did a change of address to my parents home. They sifted through the junk and other assorted mail and brought anything pressing to our attention. If need be, they would take a picture and send that to us. Just in case, we drafted a power of attorney for ...

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Long term venturers can always take up sailing, then one can see the world and have some of their stuff, cook own meals, and sleep in the same bed. I've actually thought about this a little bit, each time the biggest stumbling block is just the knowledge to get started. I've never driven a boat, so...

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Thanks to flux for the PM which is what actually causing me to respond. I'm not as frequent a lurker these days. Also, this will be a long post I think, be forewarned. The trip went well. We met our timeline goal, leaving something like May 28th 2012. We ended up saving 60k for the trip and 30k for ...

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Thanks for the comments and the link. There is a self-directed option that I had essentially just written off, I'll look at that more closely. I don't believe I'll be at the job for much longer than the 2 year vesting period (if even that long), so it would make sense to invest in the 401k. Given ou...

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It has been a while since I posted, but I'm starting a new job and I'm unsure which route to take for retirement options: The new employer doesn't have great options, the plan administrator is Nationwide and the only index fund present in the plan is GRMSX - Nationwide S&P 500 index . The expense ra...

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Toons wrote:Need to keep a budget,start below(its free),let the software help you make smart decisions about what you do with your money

https://www.mint.com/personal-budget-planner/

We use Mint and have budgets set up for a couple things. However, I ignore them quite a bit.

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... we've been living off something like 30% of our gross income and it looks like that might be down to 27% this year. Does anyone else do something similar? Any recommendations on improvements? You might be in the 1%! :D Seriously, anyone who can live off just 27 to 30 percent of their gross inco...

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What makes certain individuals decide that TIPS, REITs and small cap value adds anything to passive indices other than recency bias or even some other type of bias? Additional risk means the investor expects additional return. As for TIPS, they function to reduce volatility in my overall portfolio....

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If you really worry about paying the mortgage, and have to move money around to make it happen, why not just build up a small cushion in whatever account you pay your bills out of? Keeping an extra few thousand in there isn't going to hurt you, and it might just give you some peace of mind. That so...

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This may be a little off beat but why dont you try paying off a little bit more of the mortgage principal each month instead of putting that extra money into other things. This will change your awareness of your monthly mortgage payment. Previous goals were to pay off our student loans (completed i...

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Really, I'm curious if other budget in a way similar to how we do it, but I'm interested in hearing about all kinds of methods. We (my wife and I) don't really have the fortitude to build and track a typical budget. Instead, we just try to save as much as possible and spend the rest. We've establish...

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A house is an asset. A house is not an investment.

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About 1.5 years ago we switched from strictly credit to strictly debit, this prevents me from having to constantly do mental math about what our account balances will need to be to cover our expenses. We certainly make more than enough to pay for these things, but I believe our spending went down as...

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1401.01

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You should be able to do it on Christmas day. Call or visit APPLE not ATT to confirm

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Yes, just turn time machine on and connect the external drive. You'll be asked if you want to use the drive as your Time Machine backup and the Mac will do the rest. Edit: One more thing, you may be required to reformat the disk, this is easy to do, if you need direction after you've gotten the driv...

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Careful, I'm apparently #5, I've got my eye on you

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Worth noting, though unlikely to impact you, the smf addon doesn't work in excel on a Mac due to a dependence on things in Windows. I discuss some techniques for getting data automatically for tracking using google spreadsheets in this thread: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=644...

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While I'm certainly not all that experienced in this realm, my opinion based on what you've described is that their tactics thus far seem tailored to put you exactly where you are now. They had an initial discussion where they talk in terms of a lower offer, this shocks you initially. Then they thro...

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tomas123 wrote:Many of you are saving 30%+, why? Early retirement? Late start? ..

Specifically for travel. Hopefully for early retirement. Besides, we're very happy with what we live on, why spend more?

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3500 or 4500, can't quite remember. I focused on clarity - while it resulted in a smaller stone the sparkle is fantastic.

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We're using ING for our 80k for the trip. Last I checked CD rates weren't all that much better than the 1% (I think it is at 1% today, who knows they lower it so frequently) that I'm getting at ING

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We're in a similar situation - we have a house, purchased in 2009 156k mortgage @ 5.5%. We want to travel for a year, something for which we've spent 5 years planning and 3 years saving. We've sold everything, we're about ready to go, but we've got this house. We'll likely need to sell for 140k or l...

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The median net worth of households headed by someone 65 or older was $170,494.

This is terrifyingly low. As the above poster indicates, it include home value which makes it all the worse.

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I too recommend the iPad, I bought one for my mother last Christmas and now my entire family has one. Other above have described the benefits quite well. One question, how do you plan to get content on whatever tablet you plan to get? Apple makes it easy with their stores, the upcoming kindle fire w...

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Agree with much of the above, while I think combined finances are important, this wouldn't be a deal break for me. Both my wife and I started out with managed accounts and quickly moved away from that approach to passive. Don't look to 'prove her wrong' here, it doesn't matter enough for you to figh...

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As maryland crab said, have specifics shows that you've thought this through. Honestly, I didn't given the a title or any kind of salary target, I chalk that up to my inexperience and wouldn't necessarily recommend that as the preferred approach. To those saying that they don't like to be threatened...

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A year and a half ago I asked my boss for a meeting. I said, "I like the company, you've given me a lot of career growth, some interesting projects, and the opportunity continue with the same. However, I think I'm worth more than I'm being paid, could I get a raise?" I told them I didn't want to cha...

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In the book The Millionaire Next Door the authors base a lot of the discussion around being a Prodigious Accumulator of Wealth (PAW) or Under Accumulator of Wealth (UAW). The standard against which those terms are measured is a rule of thumb estimate of wealth / net worth calculated as: Age*Annual ...

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Both 26, from M* xray:

U.S. Stocks 44
Foreign Stocks 26
Bonds 27
Other 1

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I'd recommend an iPhone. We just ditched our Android phones - they just don't stand up to the iPhone over time. Our Android phones started out a fast, flexible competitors to the iPhone, but over time the phones slowed, the batteries would start to die around 5pm after being fuly charged the night b...

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No change - but wife is a pharmacist so that may explain why

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DW is a new pharmacist, having worked at a retail chain for 2.5 years now. Regarding school: her program was incredibly high stress and sounds as if it was very similar to the one your daughter is currently in. It was similarly selective for initial enrollment and had a second acceptance required. R...

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My wife and I each have a Droid X. I don't really recommend Android to anyone. I converted off ATT before they had an iPhone and was really interested in trying Android as it had some capabilities not possible on iOS. Over time the phones have degraded severely in performance to the point where I've...

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We dropped cable just over a year ago now. Sports aren't terribly important to us, but I can tell you the selection is lacking. The ipad offers a number of options including NFL and MLB (I've heard the MLB app is fantastic). As for which route, we used a small $350 PC, I use it as a server as well f...

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I also agre with afan. great summary. One thing to note, I put all of our new contributions in at levels that MATCH our AA. So we're 75/25 stocks bonds with 55/45 domestic/international and 50/50 TBM/TIPS - our new money goes in via those ratios. Things get a little off balance because my wife and I...

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The traditional wisdom on the board is even more conservative, if you're just looking to hold this money for three months, you should put it in a bank account or money market account. Short term fluctuations make anything else too risky. At the very least I'd suggest a bond fund, investing in stocks...

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My wife is a pharmacist and seconds contacting the drug companies directly. This is worthless if you have insurance, so take that route first, but should it fail you can contact them and they have assistance programs.

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I've always found this estimate to be somewhat problematic as well. Based on last year's numbers we lived off 35% of our gross income, so would I figure 135% of that number or 135% of some other amount? We just picked a yearly salary that we thought would be reasonable and based our targets off of t...

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It likely is, I wish him the best. He's helped bring delight and excitement to computing for so many.

Stock is dropping like a rock in after hours.

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http://blogs.wsj.com/deals/2011/08/24/s ... apple-ceo/

Now serving as Chairman of the Board and Tim Cook taking over as CEO. Apple is in good hands, I doubt this will impact their long term success. He built a culture hat turned Apple into today's most important tech company.

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getting the below error when trying to view "Investing - Help with Personal Investments" or "Investing - Theory, News & General" boards: Could not obtain topic information DEBUG MODE SQL Error : 3 Error writing file '/tmp/MYFuooAi' (Errcode: 28) SELECT t.*, u.username, u.user_id, u2.username as user...

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Sorry, I find this to be entirely absurd. While I think approach to finances is a serious and important part of compatibility in a relationship, but that isn't the question here. You said in a follow up that you feel compatible on that level, then what is the question? You're going to let 200k come ...

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- Laptop: Consider one of the small business-class Toughbooks instead of the Air. They're just built for this kind of travel. Hate Windows? Try one of the friendlier Linux distros like Ubuntu. Thanks, we already own the air and the focus is on portability. Not to mention having the wife use a linux...

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igoogle is a customizable homepage, it isn't a browser. http://www.google.com/ig

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I don't use a homepage at all. I've constantly got a set of pinned tabs open. I also have some browser addons that provide glanceable data. Addons: Anesidora - pandora One Number - shows how many google reader/gmail unread items i have Forecast Fox - current weather as an icon and temp, mouseover fo...

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Sounds great! Keep a journal and write a book when you are done. Thanks. Can't say that I'm much of a book writer, but we intend to blog to keep in touch with family and friends for the duration and will have lots of pictures to document our experience. I had a buddy do this a few years ago. He cre...

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I am so jealous of you! I wish I could have done something like that when I was younger and had no dependents. IMHO, I would spend less time in western Europe and more in Asia, South America, Australia and Africa. For one, cost of living outside of the US/Europe is lower and your money may go furth...

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Also, does the Capital One no foreign fees apply to checking accounts and the like? I knew that was the case for credit cards but was not aware it works for cash accounts too. Good to know for the future. Thanks for all your feedback, certainly is helpful. The capital one card IS a debit card, we j...

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