Bogleheads.org

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My advice is to listen to yourself. Gather as much advice as you want or need but realize only you know your unique situation. It’s perfectly fine to seek advice but in my experience when I spend too much time looking to the internet or others for answers I get paralyzed because everyone says someth...

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Thank you everyone. I am much closer to a decision now. Life IS too short. Maybe this will be my “practice” retirement or maybe it will be the real one - time will tell. I have many connections in the industry I’m in and many have reached out already to let me know that they will absolutely take me ...

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Resume already updated. Got a few bites and interviews upcoming. I can tough it out but it’s not going to be easy. Sorry I am being a bit generic but you never know who reads these boards. I have considered the “what’s the worst they can do, fire you”. I think you are right about me enabling the sit...

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Thank you so much for your responses ! It may be difficult to get a couple weeks vacation because of the volume of work and the hard deadlines approaching. That said, I already have a ton of unused vacation and I may be losing it if I don’t use it. I have always been a hard worker but the circumstan...

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Yes, to clarify I am not ready to retire. I enjoy what I do for a living but I’d rather do it somewhere other than where I work now. I do have connections that may be able to hire me in the future but that’s not a given. Thank you so much for the feedback so far. Gives me food for thought. I know th...

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Esteemed Bogleheads- I find myself in a situation at work that is causing me a lot of stress and sleepless nights. I am single, in my early 50's, rent, and have about 1.6 million - 450K in a taxable account. I have started looking for another job but I really want to get out now as there is more str...

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I'm not convinced that the problem that occurred in 2008 was solved. I suspect it was pushed further down the road. This is only my opinion. But I stay invested in a mix of stocks and bonds because I know cannot predict the future. I was stunned at how quickly the recovery came given the severity of...

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The day the forum goes away I’m buying stocks ‘cause it will be a Really Bad Day.

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I have owned a few times and I rent now and love it. For me personally, pulling weeds, cutting the lawn, etc, etc. is time I could spend travelling or simply reading a book. One of my homes was a veritable lemon. I had spent more time on home repair than I ever want to spend again in my lifetime. Fo...

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3010.56

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Hmm, so if you are a DINK, that makes me a SINK (Single Income no kids). Not sure I like the sound of that ..

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I'm curious about the housing issue. Yes, you could buy a house and pay it off to reduce monthly expenses. However, the $$ used to pay off the house could probably pay your rent for quite a long time. That said, having a paid off house with a lower payment would likely make it easier to stay in a lo...

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2368.83

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Invest in May, look away, then go out and play

.. and while your money goes away ..
.. keep your worries at bay..
.. and just wait another day..
.. but if it's still not going your way..
.. you might want to stop and pray..

-Have a good day.

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2345.67

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My break was from a gal who would have had no qualms about being unfaithful had we gotten married. I was lucky to break from that before the inevitable event. I was lucky that she chose to reveal her tendencies before we got that far. Sadly, I've dodged more than a few bullets of that ilk in my life...

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Cherokee8215 wrote:+1 on the singles forum but I think it will never happen due to the board's tax status with the IRS.

Fifthed! I have plenty of experience being single.

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jebmke wrote:You can replicate Total Stock Market with a mix of S&P 500 and Extended Market Index in a ratio of approximately 70/30.

I had thought the ratio was 80/20. Has this changed ? Just curious.

Tx

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I was too busy working. If I'm supposed to react to daily/weekly/monthly changes I'll become a day trader. The only number I look at is my stocks to bonds. As long as it has not veered over 5% I do nothing. Right now we are in the 2-3 percent range. I'm thankful I have other ways to occupy my time.....

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There is another thread on this topic here to give you some additional info: https://www.bogleheads.org/forum/viewtopic.php?t=153693 I blast through my personal food budget on Mint every single month. It's an area where I need to improve. I rarely brown bag it because most times my lunch just looks ...

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Thank you Todd. I find that reassuring for those of us that are sticking with a total bond fund whose average duration is medium term. I expect many folks are/have shortened their bond duration somewhat (OK, I admit I dropped some 8 yr duration TIPS) but it's not a given that it's the right move. I'...

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If rates rise and, subsequently, the bond funds 'nav' drops in proportion to average duration of the bond fund, is it possible that the magnitude of the drop will be tempered by the public demand for better yielding bond funds? In other words, if there is a rush to buy the bond funds once the yield ...

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Not a book, but I found the Khan Academy videos on WW1 fun and interesting. For me personally, at times, some history books can get too detailed and you can lose the forest for the trees. These vids moved along and covered the major points. So I suppose as a starting point for someone these are a gr...

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It is not clear to me what you are doing/planning to do. What do you buy in taxable when you TLH? Do you buy bonds or just hold the cash for 30+ days rather than buy a similar but not identical fund? Do you move from bonds to Total stock market in 403b when you TLH or are you just moving stocks aro...

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I'm researching the Vanguard vs Morningstar estimation of Total Stock Market. Vanguard's site does describe their philosophy. https://personal.vanguard.com/us/content/MyPortfolio/analytics/pwLMMrktCapDetailsContent.jsp This approach is consistent with Vanguard's philosophy of investing for the long-...

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I was wondering about this so I figured I'd ask. I like the 3 fund portfolio. I have a Roth, 403b, Inherited IRA and a Taxable account. I hold VTSAX (Vanguard Total Stock) in my Taxable account. I hold the S&P 500 index (VFIAX) fund in the other accounts. Why? When I tax loss harvest it's easy to s...

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Thanks all. I so far have been avoiding the wash sale issues by holding total stock in taxable and the 3 amigos (large +mid+small) in tax deferred. As a secondary note, I am now going to Morningstar X-Ray (also in wiki) for the Total Stock Market approximation rather than using the Vanguard tool. It...

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I was wondering about this so I figured I'd ask. I like the 3 fund portfolio. I have a Roth, 403b, Inherited IRA and a Taxable account. I hold VTSAX (Vanguard Total Stock) in my Taxable account. I hold the S&P 500 index (VFIAX) fund in the other accounts. Why? When I tax loss harvest it's easy to se...

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One final observation from the data so far: Not only are Bogleheads in all age groups today being much more aggressive in their stock allocations than Mr. Bogle's standard recommendation of "age in bonds," but older Bogleheads are, relatively speaking, being a bit more aggressive than younger Bogle...

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Age 49

73/27 - I couldn't decide between 70/30 and 75/25 so I roughly split the difference.

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I'm around the same age and single as well. I've owned 2 houses over my lifetime. The first was a financial winner, the second was a financial loser. In both cases, though, I always felt like I was wasting my time cutting the grass, pulling weeds, hiring contractors, painting... Renting gives me fre...

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rtom wrote:
Sents wrote: PS: If you are worried about divorcing someone, don't marry them in the first place. Also, a pre-nupital agreement could help, but many people on this board don't recommend it for various reasons.
What is wrong with a pre nip?

Perhaps a pre-nip in lieu of a pre-nup

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I think we have a choice of what to focus on. I recall a seminar where the presenter said to look around and notice everything around you that is red. So participants did so. Then he asked them to close their eyes. Once their eyes were closed he said.. "Ok.. tell me everything around you that was gr...

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I like Toons avatar. Guns blazin..

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I've been pondering the same thing so I also appreciate the responses. My goal has been stocks in taxable and bonds in tax deferred and it's irritating that I have to pay more than I would like for my 403b bond funds. When the projected returns for bond funds are low to begin with, why pay more? To ...

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Another vote for .09.

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As a single guy I find not owning property to be absolute bliss.. :sharebeer I don't have to do diddly squat other than keep the insides clean. I've owned 2 houses over my lifetime and am unlikely to ever own another one. Perhaps it's just my personality but I love to come and go as I please and not...

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I think about all those little dividend payments being re-invested while the market is low.

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2000.00 (easy for me to remember my guess)

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Done!

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Most: Held all my bonds in tax-deferred Least: Received an inheritance and am holding some muni's in taxable even though I have tax-deferred space to hold bonds. A controversial topic considering low bond yields. I've been giving a lot of thought to this strategy and will likely sell the muni's and ...

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I got rid of my mortgage last year and it's a great feeling! Oh, I also got rid of my house :-) I am a renter now and love it. Congrats on paying off your house. I was on my way to that as well but decided I hated owning a house. If I ever buy another I'll pay cash as I agree with the mortgage free ...

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Meh, the bug is called Poodle.. If it were called DeathRay or Incinerator I might be concerned but what's to fear from a Poodle ?

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Thank you for the notice.

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If buying a house doesn't suit your lifestyle, don't bother! I'm a single guy and likely much older than you. I have owned 2 houses over my lifetime and I live in an area where housing is relatively cheap. Speaking from experience, owning a house had forced my to spend my time doing activities that,...

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Life circumstances make renting a no brainer for me. Even if I could afford a house with all the trappings I doubt I would bite. I'm a single guy and would rather spend my time travelling. If I had a wife and kids, I doubt I would rent.

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I am renting by choice. I love it. In my area it's cheaper to buy but I don't care. I am a single guy and renting is perfect for my lifestyle. I have owned 2 houses over my lifetime and it would take a lot for me to jump into another. Right now I have no worries about lawn maintenance, home repair, ...

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I have a surface pro 2. I bought it for the writing app because it's one of the very few that seems to work well. Now instead of writing note on paper it's all done electronically. The drawback to the Surface Pro, in my opinion, is Windows 8. Windows 8 seems like a half-baked OS. Some things I can d...

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I agree with Strep. And, he is sufficiently amusing that even when I don't particularly care about the topic, I'll read his comments because, ... well, just because. :thumbsup I get a chuckle just from seeing his name, considering the forum started as the Diehards... OMG that is funny.. thanks for ...

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I started out my career as an Engineer. Hal way through my Masters Degree in Engineering I realized I didn't want to do it anymore. So I finished the MSEE and went back to school for my MBA. Half way through my MBA I decided it was boring as all heck and I didn't want to do it anymore. So I finished...

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