Bogleheads.org

jmbkb4

I wish speaking in the 3rd person would become a lost art.

jmbkb4

It's great that you're starting early! Best of luck to you

jmbkb4

I think the OP meant that Vanguard funds are no-transaction-fee at ME. So even if you don't have $25k there, if all you wanted to do was invest in Vanguard funds, you could. Of course this is only really relevant if you're in a situation like the OP where he can't directly hold an account at VG for...

jmbkb4

I despise the VG platform and think their CS is terrible.

jmbkb4

We love the his/hers bathrooms.

jmbkb4

OkieIndexer wrote:Finally, we're seeing the "Why not 100% stocks?" threads. Sure sign that we're getting close to a major top.

my thinking exactly.

jmbkb4

If this one doesn't go well, you can always just start a 3rd thread on the subject.

jmbkb4

I said that from the very beginning. Seems like a no-brainer since you seem so flush with cash. The so-called "tax advantage" of an interest deduction will not counter the fact you're giving the bank tens of thousands of dollars every year in interest. With BO, it's probably going away any...

jmbkb4

Thanks very much, I will definitely shop around. He told me that was the MSRP.

I appreciate your help!

jmbkb4

I am going to be buying a projector for the theater room in a few weeks. I had initially been told by my brother to buy the Epson 8700UB given its cheap price ($2300) and great overall picture, especially black levels. That said, after doing some research, I've heard that the bulb/lamp doesn't last ...

jmbkb4

Thank God I don't have to dress up in a suit for my job...

jmbkb4

In short, if you're thinking a renovation will be 100k, I'd add 40-50% to that amount...

Talk to people who have done it ----

jmbkb4

rcole33856 wrote:We also dont have children so any left over is just going to charity. I dont need to leave millions to anyone.

have fun!!!

jmbkb4

Two state 529 plans to look at closely are The Vanguard 529 College Savings Plan. Sponsored by Nevada and open to any investor, the Vanguard 529 offers 3 age-based and 19 individual portfolios College Savings Iowa® 529 Plan. The Iowa plan has a low minimum investment of just $25 and a range of Vang...

jmbkb4

Well, their study didn't look at buying into dips. It looked at buying into dips and selling into rallies. That's very different. My thought process in 2H 2008 through 2009 was to buy every time it seemed like the fear and panic hit a new level. I don't regret any of those purchases. At the same ti...

jmbkb4

Thankfully, I will receive a large inheritance, but it is not a part of my financial planning.

jmbkb4

what a worthless thread.

jmbkb4

127 Hours
The King's Speech
The Fighter
Conviction

jmbkb4

new2bogle wrote:
fishndoc wrote:Whatever it is, it sounds like a rip off.
The entire industry is a rip off, from the doctors, to the clinics, the insurance companies.

hey now!!!

jmbkb4

Chuck wrote:My rule of thumb is keep driving it until it stops running.

w/ bmws that's a problem...

jmbkb4

mortgage first.

p.s. -- interest on mortgage IS tax deductible...

jmbkb4

I think Gold crossed $1,500/oz today so now might be a very profitable time to sell for your friend.

jmbkb4

Unless you REALLY need the money, I think it's a crazy idea. Renters by definition are not as careful as you would be. And you'll be coming back to the house, right? Once you pay for the repairs/upkeep from their "normal wear and tear" and the cost of having somebody rent it out for you, I...

jmbkb4

Well done. I'm glad you didn't offer too high initially...

jmbkb4

TJSI wrote:Yipes, this has the smell of a scam. Check that company out very carefully.

jmbkb4

When I'm 36, I want to have $1M saved.

jmbkb4

Ok. Here are the details. Investment. 876k total in money market funds waiting to deploy. Age. 48 Return expected. To make at least 12% per year. Retirement. Expect to work till 60 Have job, bills covered. Just want to invest and not touch the money for 5 years. Pls advice Johnny :lol: :lol: :lol: ...

jmbkb4

3 year timeline?

are you kidding

jmbkb4

any news, OP????

jmbkb4

When I'm deciding about things like this, I always factor in WORST case scenario from all possible financial fronts (current expenses, taxes, future income, upkeep, etc.) and if I can swing it even when I factor in the worst case scenarios, it's a go.

Life is too short, ya know?

jmbkb4

Manbaerpig wrote:people living in fly-over states

I live in a fly-over state (happily so) and I think it's absurd.

jmbkb4

hsv_climber wrote:Last 2 times he said that were right before huge market crashes...

since noone can time the market (isn't that a Boglehead mantra?), he must be wrong on this one, huh???

jmbkb4

I have a "really nice" Rolex that I got for undergrad graduation but - alas - have worn it maybe 10 times in 8-9 years...

jmbkb4

verygoodthings wrote:

Some people say a house that is 10% of your net worth is reasonable, but to each their own.

who says that??

jmbkb4

I personally like Dodge & Cox.

jmbkb4

Missouri has VG funds. You get a MO income tax break up to $16,000/year invested in them.

This amounts to nearly $1,000 in MO tax savings pear year you invest 16k

jmbkb4

If I were you, at 18, I'd probably just put it in a VG small cap index fund and let it ride. Don't touch it for 30 years and you might be surprised at what you have when you're nearing 60.

jmbkb4

Sounds delicious. Was that passed down several generations? Nope, my second wife taught me. And if you take cream in your coffee, just add coffee when you are finished. The left over milk is already in the mug. Sometimes the leftover bits of cereal in your coffee seem strange, but reusing the mug m...

jmbkb4

Agree with ERdoc about the shift work point.

Working various shifts is really difficult.

Otherwise, the thread has become basically garbage.

jmbkb4

P.S. More docs are working in hospitals because the new health care law (thanks BO!) has a new reimbursement concept known as "bundled payments" in the pipeline.

It will force the centralization of health care and more and more doctors becoming employed physicians of hospital systems.

jmbkb4

I'll be working about 60 hours per week, on average, when I start my job.

I'll work less if the money doesn't work out, per my contract.

No worries.

The docs that use recruitment firms are usually the bottom rung of their residency/medical school classes...

jmbkb4

Gross has macerated VG's bond index for decades.

Gross is largely hated around here, although he is a brilliant manager.

Will the past predict the future? No. Gross may do even better in the future.

jmbkb4

matt wrote:
YaddaMonski wrote:I think we may be in for stock market correction on the order of around 30-40% at some point
I totally agree. I just can't figure out which point.

:lol: :lol:

jmbkb4

That is pretty young with pretty little in retirement.

You may want to radically minimize your risk if this is all you have for retirement.

jmbkb4

Let me make it for words:

GET A LAWYER YESTERDAY

jmbkb4

dorokhin wrote:I would probably offer 190 based on what you've told us.

exactly. they've just dropped the price, and - therefore - are motivated. you don't drop the price unless you're motivated.

i'd offer 190-195 and let the chips fall...

jmbkb4

jmbkb4

what would i do? i'd be signing the dotted line for a quarter mil. i believe selling asap is the bogleheaded thing to do. diversify out of that very risky 'single-company' stock! if you had 240,000 in one company, that kicked out a high dividend, what would you do? granted, you can't sell half the ...

jmbkb4

I'm really liking those TR funds that rebalance automatically (tax-free)

jmbkb4

I still don't understand why the self-proclaimed millionaire OP doesn't just pay off the house and enjoy his life, stop paying such a high interest rate, and let the theatrics subdue.

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