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My wife wants to invest her Roth IRA in a 1 or 2 funds portfolio. She doesn't like the high percentage of the international stocks in the TDFs and the international bonds. She is thinking to add international index fund to VBIAX. She is 39 years old. Any recommendations? Thanks. FFNOX (Fidelity Fou...

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Thanks everybody. I mainly asked because of the FOMO compared to MFs like FSKAX or VTSAX. But this has reassured me a fair bit :) I am in the exact spot you are and I am considering using FFNOX in taxable, in addition to my existing tax deferred & protected accounts. This thread clarified the q...

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We are potentially considering purchasing our first home in next three to five years. We are totally fine with renting, so the home purchase might be pushed further away from five years. Also, we would be fine with losing 10% or so of this down payment. We would simply adjust the type of property we...

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I find it very interesting that while economy seems to be doing just fine and we are seeing record unemployment, etc, S&P 500 is actually back to where it was about 18 months ago.

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In an accident, I would rather be in my 10+ year old SAAB sedan than a brand new Subaru Impreza, which is the same size. Based on what information? While I think IIHS and Eurocap are doing their best to assess the crash safety of cars, it is really up to the car manufacturer to put the extra effort...

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His comments were that every three or four years the safety feature improvements were significant enough to warrant rotating the car for personal use, and if it was for corporate use where corporate exposure could occur they rotated the cars every two years. Yeah, that's total nonsense. He is drivi...

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You can check out the MJ ETF While MJ ETF has a pretty good diversification, I do not like it for two reasons: 1- 0.75% ER is a little on the high side for me. 2- At some point, Tilray and Cronos, two companies that had artificially inflated stock prices (I think), were making up almost 20% of the ...

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Should I gamble a lot of money on weed stocks? Marijuana may be legal soon here in NJ. Only kidding, sort of. Lol. As someone who has put all his fun money in a couple of well respected Canadian and British companies over a year ago, I am going to say you are a little late to the party. Depending u...

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Seems to be dealer pricing. The sunroof related fix is probably priced fairly and it needs to be done. You don't really have many options for that one (my suggestion would be to avoid sunroofs altogether in any vehicle other than Toyota/ Honda). I am not sure why they are replacing the whole exhaust...

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According to the Vanguard Portfolio Analysis page, I have a value tilt thanks to the Wellington fund, and have 2X Emerging Markets exposure. Value tilt has not bothered me a bit and I really like the Wellington fund. I can't say the same for the Emerging Markets. I will probably scale down the Emerg...

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Luv2Perform wrote: ↑Fri Dec 21, 2018 5:10 am You might consider looking for a job as a night custodian at a school or a night watchman. You won't have to interact with others and shouldn't get flack from bosses as long as you get your work done each night.

Yes. Most nightshift jobs are great if you want to avoid people.

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I like that Vanguard Prime MM account yields about 2.3% right now. No need for a separate savings account. But if Robin Hood actually goes live with this 3% plan, I would give it a shot. I am in the waitlist..

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Priorities: 30 mpg, comfort, low noise, reliable. Not a plug-in but hybrid, but some Volvos would check your checkboxes. Have you considered a new XC40 or a Certified Pre-owned V60? Not willing to buy Volvo now that it's owned by Geeli, a-wholly owned Chinese company. Volvo is more Swedish now, tha...

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Priorities: 30 mpg, comfort, low noise, reliable. Not a plug-in but hybrid, but some Volvos would check your checkboxes. Have you considered a new XC40 or a Certified Pre-owned V60? He did have reliable on the list:) If you are willing to relax the gas mileage (i.e. the volvos are above 30 on the h...

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Sandi_k wrote: ↑Sun Nov 04, 2018 11:40 pm
Priorities: 30 mpg, comfort, low noise, reliable.

Not a plug-in but hybrid, but some Volvos would check your checkboxes. Have you considered a new XC40 or a Certified Pre-owned V60?

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Hello Fellow Bogleheads, I'm in the process of ending my attempt sell of my beloved Nissan Maxima vintage 1997( so many memories). I have had it since 2002, it has served 16 harsh Minnesota winters and extreme summers on top of that and it's still going strong, 180,000 miles. When I retire, I plan ...

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Hi, I am trying to make a judgmental call here on whether it is time to start shopping around for another car (not right now exactly, but after a year). Below is what I spent so far on my car, and would like to know what others have spent on similar cars with similar mileage or age. 2009 Hyundai So...

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Keep in mind many Turkish companies are used to hedging currencies. They have dealt with hyperinflation before. This is something most European and American companies have never experienced. I think the bottom is occurring in Turkish assets right now (in dollar terms). Let's go back to the economy....

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The fact that you guys are so negative just confirms the value I am getting. How would you have reacted if everyone had supported this play? I believe markets are comprised of two components: fundamentals and sentiment. When fundamentals and sentiment both look awful, it's almost always time to buy...

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Rich people are fleeing Turkey almost as fast as they are from Venezuela. It's much too early to try to speculate on upside in their economy as the situation is more likely to continue to deteriorate rather than stabilize and improve in the near term. Correct. This is the best observation and forec...

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So, it is basically a large cap growth fund that is overweight in IT and consumer discretionary with ER of 0.82%. It was bound to over perform since the crisis. That ER is way too high for my taste. Wow, glad to know this was foreseeable. What is bound to over perform the next 10 years so I can rep...

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So, it is basically a large cap growth fund that is overweight in IT and consumer discretionary with ER of 0.82%. It was bound to over perform since the crisis. That ER is way too high for my taste.

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Tennessee is a great place to retire. I would avoid the Memphis area but Jackson is a pretty laid back small city. Since I live in West Tennessee and have a home in East Tennessee ( Knoxville area) and a daughter who has lived in Nashville for 2 years my suggestion would be East Tennessee would be ...

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2006 SAAB 9-3 with 105k miles. I picked it up last year with just under 100k miles. The plan is to run it for another 100k miles with minimal maintenance. So far so good. Bought it for peanuts and maintenance is very inexpensive thanks to a mechanic I know. 112k miles now with minimal maintenance. ...

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I have been looking at Chattanooga area lately due to reasonably better (better than Midwest) climate year-round, low cost of living and housing and no state income taxes. They are also phasing out taxes on dividend and interest income.

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Questions: 1. I guess what I would really appreciate is a once over to make sure I am getting on the right track. I made some stupid investment mistakes over my first 4 years of investing and I am still recovering from them. I consolidated a lot of my old funds/stocks/etf's into primarily vanguard ...

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Mr. Buffett has offered his sage advice with a crystal clear plan for what most investors should do, and trying to time the market isn't part of it. Average your contributions over time, invest in a low-cost broad average like the S&P 500/Total Stock Market, and you'll do much better than those...

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Grap is not alone with the gloominess I'm afraid. I was a Lending Club investor for a couple of years (from 2011 to 2014 I believe) before they began accepting institutional investors and changed the way they connect borrowers and lenders due to new SEC regulations . Before Lending Club and P2P lend...

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whodidntante wrote:How did you determine hypothetical 2008 performance?

I'm particularly curious about back testing of LENDX. There was no Lending Club and probably no Prosper back then. How do you back test something that did not even exist?

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You are not receiving those letters because those cars are high in demand.

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My 2012 Subaru has a chipped key, meaning if I just copy it, it won't work. You probably have to use a dealer, or someone who specializes in auto keys to get another one. For some reason, I'm thinking I have a code or they use my VIN if I need more. Mine came with two keys with the built in remote ...

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In my experience, it happens more often than it should and many times I can go back the next day (or even after a couple of hours) and find the same ticket for the same price.

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Alright. 1- Get an inexpensive OBDII code reader, so you can reset the code by yourself. 2- Get a can of throttle body cleaner from Autozone, Advance Autoparts etc. (less than $5) 3- Google "aveo throttle body cleaning" and read some board posts, articles about how to do the cleaning yours...

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I remember hearing about Citibank's extremely poor customer service several years ago and have never done business with them.

I guess I will keep it that way.

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My question is whether a new car purchase make sense; I'm mostly asking if the safety concerns outweigh taking on a car payment. We have an 8-year-old subcompact car that we purchased new and has been fully paid off for years. We made that choice because we were moving to one income and I wanted to...

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I just read this by blogger Financial Samurai A car is the #1 personal finance killer given it is an unnecessary luxury that rapidly depreciates over time. I suggest spending no more than 1/10th of your gross income on the purchase price of a car. If you make $50,000 a year, then buy a nice second-...

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I like Fidelity Nordic fund (FNORX) for it's diversification, but its expense ratio is way too high for me. I have been looking at other alternatives, like iShares, but they are not diversified enough. I would be willing to pick up some FNORX if Fidelity was more reasonable with the ER (I'm OK with ...

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As far as I know, if you want TaxAct or other similar applications to pull your taxes prior to the last years, they charge a fee. It is customer's responsibility to save past tax return copies. Even though that doesn't make me happy as a consumer, I think it is understandable that they charge a fee ...

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Is the Pilot too much car for a 16 year old? Absolutely yes. - Rather big. This is good in terms of having some more metal for protection, but it's also heavier and slower to stop than a sedan. Just because it is big doesn't mean it protects better. It is a 10 years old vehicle. Also, driving a nor...

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I would go with the Synchrony Bank CD.

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A great question I have been wanting to ask the great folks here.

I live in a midsize Midwestern college town, and I have been seeing more and more vacant commercial properties all over the city (including the downtown - high traffic areas) over the past 2 years.

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Monthly sales hit 18.6 million around the end of 2015 and 18.7 around in December 2016, which is great, but when you look at the overall monthly numbers it is pretty obvious that there is no upwards momentum anymore. Over the past 2 years, the monthly sales numbers have been roughly between 17.5 and...

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Background: We need to replace a 15 year old minivan in the next 6 months and plan to once again buy a 2-4 year old car in cash and drive it until it dies. We have in mind 2 different replacement models (Mazda CX-9 and Nissan Rogue with 3rd row) based upon research, rides, etc and don't feel partic...

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I am wondering what the Bogleheads think is the sweet spot for the yearly cost of having an automobile. ... So what do you think is the sweet spot for yearly car costs? It has to be under $1,000 a year for me. Actually, I have been spending about $500 a year for my European compact luxury car over ...

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I think for it to feel bubbly you need "non-investors" to influence the market. Lots of people who otherwise wouldn't have bought stocks during the tech boom. Lots of people bought houses they couldn't afford. There's the old saying that when your shoe shine boy starts giving you stock ti...

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Curious, does anyone still think that the Energy and/or Mining are cheap?

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I like the Vanguard LS Growth and Vanguard Wellington both. I ran across this backtest tool and decided to test VASGX against VWELX. Testing period: Jan 1995 to Feb 2017 Starting with $10,000 and contributing $400 monthly. Result: Wellington ended up with $441,054 and LS Growth with $350,023 For a ...

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Fun, yes. Reliable? Meh. I've heard many people complain of reliability, never anything positive. However, that said, these cars are like honda civics in Italy - they are everywhere! If you need something reliable, practical, and $ for a daily driver... 05-08 Acura TL :sharebeer These cars are ever...

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I like Fidelity a lot and have most of my money there but I wish they would have a cheap Balanced Index fund like Vanguard's VBIAX. FFNOX (Fidelity Four in One) actually fits your description but it has international (which may not be a bad thing) and also has a smaller bond allocation (again, whic...

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Gropes & Ray wrote:23 acres for $325k rings my "too good to be true" alarm, unless there are major reasons why it cannot be developed with any density. You're talking about a parcel that in many places, a developer would put 50 houses on.

Agreed. What's the location OP?

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