Bogleheads.org

Amazing to see so many with similar goals. We are currently 30 (Him) and 31 (Her) with a 3yo and 1yo. Our current portfolio is currently just past the 650k mark but we have no mortgage. We plan to use part of our portfolio to purchase our first home either all in cash or with 50% down and set aside ...

I'll be 30 next month so this is a bit early but my wife is already 30 so what the heck. Graduated in '08 with only 15k in loans thanks to my parents; which was paid off by end of that year, if not early '09. Married in 2012, first child in 2013 and second one born beginning of this year. Right now ...

Thank you for the reply retiredjg, I'm sorry that it has taken me so long to respond. I've been busy at work and with our almost 8 month old son I hardly have much time to get online and actually work on solving this. Yes I'm afraid it is very confusing and I'm hoping to find a way to make it less s...

davidlukewilcox: Thank you for your response. I appreciate your input and will try to further clarify my admittedly confusing post. Again I really appreciate your input as I know it can be difficult finding solid rest when trying to raise a newborn. Regarding #1, I agree that the risk should be kept...

Looking for some help still!

This August my company is making some changes to our 401k which will eliminate one of the holdings I currently have and I would like to try and find a more suitable option than the one automatically selected in the changeover. Also I am looking for input as to how best to go about adjusting my AA to...

+1 for Into the Wild and Grizzly Man Lots of bad movies get made every year, so its hard to keep up with them all. I'll watch most anything at least once but only the good ones get watched multiple times. I'm going to have to go watch Man on Wire now since its gotten so many recommendations. That be...

Thank you both for the responses. It is a difficult decision and one what I've put off making for a while now. We've talked about going back for the past year or two and 2014 was always our original plan. But as we are fast approaching that year its become less and less clear what reasons are left t...

Hello everyone! We've come looking for advice regarding our current situation and foreseeable future decisions. Age: Both 27 yrs Income: 120k* Assets: 117k Taxable (all through Vanguard ETF/indexes) 104k Retirement split roughly 25/75 between Roth IRA & 401k 118k Cash** Future Savings: 5.5k Roth IRA...

Age 23 in May 2010. Lucky enough to have only had 10k in student loans out of college and a well paying job.

Three years later I'm at a little above 300k, but saving at the same rate will be difficult in the future since I'm now married and expecting our first child.

Don't know if they qualify in the category "of all time" but here are my two from the past ten years or so.

Built to Spill
The Weakerthans

dratkinson - I'm sorry to say I don't have any experience with any of the Chinese investment products. I've only stuck to Vanguard and other US investment services being that I'm a US citizen and have access to them.

Mel - I haven't found enough yet but I'll be sure to message you if/when I do.

Alan S. - Once again thank you for your help and great insight into my situation. I realize it is a messy one and yet somehow you've managed to make it understandable for me. I may be sending you a pm or message come next January or February when I do receive the 1099R from Vanguard if your still ar...

I did recharacterize in Jan of 2011 due to the fact that my tax filing for 2009 had been extended through then end of Jan 2011 for the tax year 2009 by submitting the form 2350 in 2010. In the instructions for form 8606 under the section titled Recharacterizations it states"You generally must make t...

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Thank you Alan S. The answer to your questions is yes. I did file the form 8606 for both 2009 and 2010 and they were non-deductible contributions made with after-tax dollars. I have read other places about an implication concerning converting my recently recharacterized 2009 contribution (plus earni...

I'll try and make this post as clear and understandable as possible but the situation is a little confusing (at least for me). In June 2009 I made a $5000 contribution through Vanguard and opened my first Roth IRA. Only much much later, due mostly in part to my own lack of attention and knowledge, I...

I agree with expat. I've filed for two years now with foreign income exclusion while still having a US address.

Here's my situation briefly: Age: 24 Current Allocation: 75% Stocks (Intl. 22%), 25% Bonds Allocation incl. cash 48% Stocks, 16% Bonds, 36% Cash I would like to lower my cash holdings while maintaining my desired allocation of 75% Stocks, 25% Bonds. However, I have already maxed out my 2011 TIRA con...

Yeah its strange. I can get the website just fine on my home laptop but from anyones laptop at my office its blocked. Oh well I guess it just means I'll have to use a mirror or vpn at lunchtime. It's just a bit more of a hassle but its probably for the best. I wouldn't mind starting a Boglehead's Ch...

Well today I came upon a problem. It seems that the Bogleheads website has been blocked by the Great Firewall of China. I am still able to visit through free vpn services but it really is a hassle and not to mention the annoying ads. I really hope its only a temporary block and not something like th...

EmergDoc, Thank you so much for this post. I'll admit that I'm one of those posters (if not the poster) who asked the question of how to invest a lump of cash I've saved. This is a great post and one that is coherently written with great examples. I really appreciate all the people who post regularl...

So I have a bunch of cash saved up and ready to invest. I'm looking to purchase a house within the next five years therefore I'm looking for a relatively safe investment with a decent return i.e. greater than 5% (asking too much? lol). Here are the details: Emergency funds: 25k Debt: 15.5k (I have t...