Bogleheads.org

jmbkb4

I have a relatively new 750 Li.

paid cash, very happy i did.

jmbkb4

Better question: How much house do you really need? I would bet it is less house than you can afford, so why not buy what you need and pocket the difference. "need" is a very relative term. it implies he should buy a shack. this is bossiness that has no place/basis. OP asked a decent ques...

jmbkb4

me too....

jmbkb4

your rich "friend" is a moron.

jmbkb4

WB is beginning to sound senile.

Often.

jmbkb4

Ok Dorothy.

jmbkb4

Oh, so if I pay down principal, then I save $$$ over the long-haul?

Really????

:roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll:

jmbkb4

Random Musings wrote:Buy me a TV.

Thanks in advance.

RM

sigh. What do you want?

Let me know, and I'll have it shipped to you!

jmbkb4

why is this in the "help with personal investments" forum????

:roll:

jmbkb4

maxinout wrote:Tons of people. Probably one of the more common approaches.

As long as you can reach your desired allocation with just those 3 funds, I don't believe there are any cons.

........not common..........

but common to people in "the know."

jmbkb4

P.S. Just be sure to have 4-6 months in cash for emergencies.

jmbkb4

I'm almost exactly your age and just recently started to buy the 2045/2050 retirement fund.

I think you're doing brilliantly!

jmbkb4

You mortgage payment is a large monthly obligation. If you paid any of this money towards it, would it make any difference in the payment amount? Unless your mortgage is adjustable and recalculated periodically it will probably not, although it may change slightly the amount of each subsequent paym...

jmbkb4

hsv,

Congratulations on your refund being "bigger than mine"? I'll do whatever I want with the money. It doesn't matter.

There is a profound lack of personality on this forum...

jmbkb4

how old are you?

jmbkb4

Not everyone has money withheld. We pay estimated taxes and depending on how our business does we either overpay or underpay. I think $1500 is reasonable if that is the case. Our over and under swings as much as 20-30K. BearWolf Assuming you are on a calendar year basis, wouldn't you have a rough i...

jmbkb4

So you are rewarding yourself for having too much money withheld? It's a return of your money that has earned nothing. Put it in your savings. If you must celebrate, take $50 or $100 and go out for a nice dinner. Review your W-4 and adjust if appropriate. Not everyone has money withheld. We pay est...

jmbkb4

EmergDoc wrote:I used mine to rebuild the emergency fund I blew on Backdoor Roths. I'm embarrassed to admit how much I overpaid by this year.

With the douches on here, I wouldn't admit it either.

Get a life guys.

People don't appreciate our situation, obviously.

jmbkb4

retcaveman wrote: Review your W-4 and adjust if appropriate.

The thread was meant to be somewhat tongue-in-cheek. As far as my W4, it's not exactly like it was an earth-shattering mistake. We're talking about <<<0.5% of my AGI here.

Chill out guys.

I'll prob just put it into VTSSX.

jmbkb4

I've been following FAIRX for years. Right now, it is ridiculously heavy into banks/financial sector. Like 90%.

It's not been doing well this year so far.

As FAIRX gets larger and larger, it will be difficult for it to outpace the market as it has been....

(disclosure: Long FAIRX)

jmbkb4

dbr wrote:You need to cut your expenditures to make up the lost return on money you loaned to the government at zero interest rate.

PS As stated above the lost return was at the no risk cost of not adding to your mortgage payment at the very least.

:lol: :lol:

jmbkb4

Well, I just found out that I overpaid about $1,500 for my Fed 2010 taxes. That said, help me decide what I should do with the extra "windfall" money. I have a very, very good job. I have no debt aside from a very large mortgage payment of over $5,000/month. The kids' 529 plans are being m...

jmbkb4

From WSJ: AT&T is buying T-Mobile for $40 billion. AT&T to buy T-Mobile This doesn't bode well for the consumer imo. I was actually considering switching to T-mobile prepaid service for $30/month (I am currently paying $60/month with Verizon), but now I don't think this will be around for m...

jmbkb4

linuxuser wrote:I only created a meaningless Facebook account just for the times I need one to see what are in other people's Facebook accounts.

Exactly!!! You just answered your own question

jmbkb4

Radically new idea:

Eat less (be it carbs or fat) and move around more!

jmbkb4

The day I begin paying for the NYT is ....

(insert something ridiculously improbable and crude here)

jmbkb4

:roll:

jmbkb4

(to minivan?)

.................not

jmbkb4

:roll:

jmbkb4

no

family

jmbkb4

all depends on your age and income potential/earnings/where you are in your education.

jmbkb4

My largest holding since 2007-2008 has been FAIRX and I've been very happy. BB will shift sectors widely, and fairly often. So far in 2011 results have been lackluster. But the past 10 years have been very, very, very good. (I know past results do not predict results, and this goes for the S&P a...

jmbkb4

jmbkb4

40% / 30 / $1M

jmbkb4

Scott S wrote:If some of the popular fears don't pan out, then gold will get killed. Not where I'd want to have a lot of money...

- Scott

:lol: :lol:

nice pun

jmbkb4

what are the implications of this? none? None. Other than those implied by sloppiness. I was poking around Scottrade because I was intrigued by your comment that Scottrade offers Signal shares with a $100 minimum. But the $17 transaction fee--levied on both purchases and sales--is pretty discouragi...

jmbkb4

I'm going to be buying the ER 0.20% Signal shares of Total International soon.

VTSGX

jmbkb4

That's as broad as it gets.

Great fund!

jmbkb4

http://www.google.com//finance?chdnp=1& ... MUTF:BOGLX&

sr. bogle always wins

jmbkb4

peter71 wrote:Matt,

Any possibility you're psychologically anchored on S&P 1200 (also the level of the interim low of July 15, 2008)?

http://www.bogleheads.org/forum/viewtopic.php?p=270011

You had to know someone was going to link to it, right?

All in good fun,
Pete

ha. ha.

jmbkb4

I think SF has the most expensive housing in the world, certainly the US.

I couldn't stomach the way people live over there in SF.

jmbkb4

now the little investors are generally selling, apparently.

jmbkb4

bought $1,000 of VIGSX today -- thanks for the reminder!

jmbkb4

I'm 30. 25 years to retirement.

100 equities.

jmbkb4

I'd definitely view it as a load.

That's what it is, jargon aside.

jmbkb4

must have been a bad week for bullion and mining stocks.

volatile asset class.

jmbkb4

With your net worth, a Vanguard adviser would (if not fly to meet you) would certainly speak with you on the phone.

I'd call up Vanguard and have them help you.

I'm sure they'd be more than willing to.

jmbkb4

thanks a lot guys!

jmbkb4

so what's the best panasonic plasma out there now?

i think i'm sold on panasonic over samsung now.

jmbkb4

thanks for the info!

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