Bogleheads.org

We currently get big bags of whole beans at Costco. Been drinking decaf for years but slowly working my way towards a more caffeinated lifestyle.

:beer ... I do not have any bonds on my brokerage account (I have TSM and EM) I gave to you the advice on TSM, TISM , LT exempt state tax because I don't know your risk comfortable level :mrgreen: ..... I kind of follow advice from Suza Orman "Interest goes up, bonds goes down", but I also follow B...

Most of the BH recomenda EF to be place on a 1% saving, but if this $ is extra for 7+ years I do it TSM / TISM and some LT tax exemp state bonds ... but all up to you , I am comfortable with a 8.5 / 9 risk factor in my taxable account :sharebeer I definitely think for a good portion of people, that...

mcraepat9 wrote:If you just did this in December, your gains should be minimal. Whatever you decide, I would just do it now without delay.

Okay that's good to know. December saw sub four-figure gains and similar dividends + capital gains distributions (which were automatically reinvested).

Hi everyone, After assessing our current financial position, I decided in December to place our family's emergency fund into a taxable investment account (Vanguard LifeStrategy Conservative Growth Fund - VSCGX). Only after making the purchase did I come across discussions on how the LifeStrategy fun...

We live in a mostly blue-collar county, so our dining options are limited to mostly chain restaurants with a few nicer local establishments. Typical dinner for two plus drinks runs us $65 after tipping, then we usually head to the bakery for a $3 dessert. We go out twice a month, so we budget $150 f...

I think I've read that millineals that make enough to save, do so at relatively high rates compared to baby boomers. We have seen that the market may not be dependable and that the future promises of pensions (if you can find one) and social security can be broken. I'm definitely in that camp. By s...

As an (on the cusp) millennial (born 1982), these are the retirement plans at the jobs I've worked: (this is just counting my longer-term, white-collar, in-front-of-a-computer desk jobs) -No plan -No plan -Eligibility after 9 months, no match, load funds (that you paid the load on), high cost funds...

As others have pointed out, the supposed "doubling" is to go from 6.4% to 14.4%. Since we generally recommend a minimum of 15% around here, they are saying you can save less! One point I think we should make is that most 401ks I have seen require 5 or 6 years to vest the match. Given the way employ...

Just saw a news article somewhere on TV this morning that the average millennial spends a bigger percentage of their budget for coffee than for retirement funding. jimb I just got back from Starbucks, but I also got paid today and saw my maxed Roth 401(k) contribution being withheld, so I'll remove...

I would ilke to see a report from millennials on their parents who are retired or retiring now. I'd like to see millennials ask their parents how much they saved and invested every year so that they could reach this stage of their lives "retired" or "retiring now." I will bet that for most of them,...

Millennials have half the net worth of boomers. Their home ownership rate is lower, while their student debt is drastically higher. http://www.seattletimes.com/business/millennials-are-falling-behind-their-boomer-parents/ I saw this article today and thought it was worth sharing with the community....

But in the end, no one is getting rich off the interest of their emergency funds. That's just not what emergency funds are for. Their main job is not to "work for you" and grow, but rather to not lose value and to be appropriately liquid. It that means they languish a bit, well so bit. I think the ...

I am interested in an online savings account, just need something that lets me transfer money to checking account quickly and easily. Recommendations for online savings accounts? Thanks! For a simple online savings account, you can't go wrong with Ally . 1.00% right now and we have three of them an...

We just moved ours over to a Vanguard brokerage account invested in VSCGX (LifeStrategy Conservative Growth) with a 20% buffer above our 6-month expenses to account for any dips in the market. Every year we plan on taking anything over that 20% and moving it over to another taxable account that has ...

I just joined the community a few days ago and to see this breaks my heart. My thoughts are with him and his family and this community.

Carrier: AT&T
Number of lines: 3
Minutes: Unlimited
Text: Unlimited
Data: 6GB Shared
Price: $144* per month including taxes and fees.

* I have my mother on our plan and she auto-transfers $55/mo into our checking, so in reality it's closer to $90/mo.