Bogleheads.org

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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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My 403b stable value fund was paying a contractually 'guaranteed' 3.5%. However, once they realized they could no longer guarantee that rate, they simply added a .6 expense ratio, effectively knocking the rate down to 2.9. Quite shifty and angered a lot of people. 2.9 is still good but I'm moving ba...

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I don't break out into sub categories.. Here's what vanguards portfolio watch tool tells me

71.8 % Stocks
18.2 % Bonds
10 % Cash (Mostly Stable Value)

20.8% of Stocks is Foreign (so Vanguards tool will stop with the warnings..ha)

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Other than regretting that I didn't drop every last penny into the market when the s&p was 666, I'm doing the same thing that I did during the recent bear. Nothing. Well, ok I admit I do itty bitty tweaks here and there cause I like to think it makes a difference :beer I'm also finding that way more...

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Looking back to when I purchased, I wonder if I was caught up in what might be described as some sort of frenzy. "Mortgage rates are at historic lows so act now." "$8000 tax credit but act now if you want to take advantage of it." There is a great pressure to jump on the boat before it sails away. I...

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I would add that I can safely say I am not making the financially optimal choice. I put a hefty amount of $$ into the house that I am leaving. Many would say, why leave now that you did all this work? And they certainly have a point. But in my mind it's a sunk cost. It's a fee paid for an education....

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I had 100% stocks in my Roth until about a month ago. Then I realized I could get a much lower ER Total Bond Fund in my Roth (.08) than in my 403b (.46). So I've been buying some bonds (Vanguard Total Bond) in the Roth as a result (and selling the PIMCO in the 403b). I hate paying more for a similar...

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Also, I've noticed that how the woman handles the check can indicate her feelings towards another date. In my experience, women that tend to insist on paying their half are typically less interested in another date than are women who don't pay. Paying their half seems to be their way of saying "I d...

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Wait.. what? You mean men take women on dates and don't pay? I always pay. Although I admit that some of the, say, less traditional women I've dated have gotten quite angry if, at times, I don't let them pay. So technically, I always pay - until - I am practically fighting with my date over who pays...

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I knew there was a reason I loved this forum! Thanks to all for the great responses so far. I'm reading each and every one of them.. twice.. It's nice to see there are kindred souls out there that are embarking on the road less traveled... the good news is that, hey, at least we are are traveling, r...

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