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After making buttermilk roast chicken, I was left with loads of buttermilk leftover. So then came the lemon cranberry ginger scones. And then the fig almond scones. Both are from King Arthur Baking recipes.
Maybe buttermilk biscuits next?

both in our early 40s - one retired, other plan to retire <3 years 55% US + 15% Intl equity / 26% bonds / 4% cash equivalents Debating gliding to 60%/40% for retirement but not sure given the long retirement timeline. Cash is higher than normal while figuring out which bond funds to put it (too much...

Seeing the same thing as others here, hard to find a no-cost loan from anyone under 3.5%. The 10-year keeps dropping so I hope that helps. Not sure if the surprise Fed action will be an extra ingredient. I’m almost 10 years into a 30-year @ 4.0%. I’ve paid in a little extra so balance is around $25...

So far we have 15 graduates enjoying their new freedom :beer :D Upcoming graduates - counting the days!! __ Jun - noobogle (late 30s) <== Welcome to the Class! Thanks Miriam! My last day was June 1st so I suppose I’m now in the ranks of the retired. Deleting my daily alarms felt like a rite of pass...

Does it count if I’m going to be a stay at home parent starting June 2018? We’ve hit our numbers but my spouse is planning to enjoy the work gig for a few more years. I can’t complain since it’s nice to have the healthcare and it pads our numbers. I’m in my late 30s now so perhaps this might be like...

Sorry for the belated response but it's been crazy at work lately as I'm stepping out of the rat race in a few weeks. Thanks to dratkinson, jpsc and ofckrupke for the additional inputs. I'll definitely have to read up on those resources with my newfound free time. But I think I'm going to have to re...

I'm in a similar situation so when I filled in the 2016 8606, it looked similar except I thought Box 4 should be $5500 too. Box 4 says (Enter those contributions included on line 1 that were made from January 1, 2017, through April 18, 2017) Before I send in the 8606, I want to check if that is cor...

Thanks! That looks easy enough. Based on following instructions and facts (March 2017 non-deductible contribution to IRA), it appears that my 2016 Form 8606 should be filled out as follows: Did not check the amended return box (since I didn't amend the return). Box 1: $5500 Box 2: $0 Box 3: $5500 ....

1. less risk. They are assumed to be of no credit risk. If a default resulted for political reasons, unless it was swiftly reversed, then all heck would break loose in world financial markets. I normally revel in gloom-and-doom scenarios but that one tests even me... I assume good sense on the part...

Thanks for the response ofckrupke. Sorry it's taken a while but work got in the way. Two small points: If one is splitting CA and national muni funds to reduce risk and targeting an overall intermediate duration, it's more tax efficient to split as short-term national plus long-term CA. (I get the i...

I agree that you could use more munis if you wanted. I also agree that paying down the mortgage is never a bad decision. Depending which state you live in, Treasury Bonds (or I-Bonds) might make good sense as their interest is exempt from state taxes. Thanks Marketman. I'm in CA so the tax rates ar...

Nice streamlined portfolio. Congratulations on implementation! Our situation is similar, though we're a bit older. I don't think having 11% muni fund is a problem. Alan Roth suggests no more than 20% of bond portfolio in munis. https://blog.aarp.org/2015/07/14/4-reasons-not-to-load-up-on-muni-bonds...

I wanted to do an update and check-in after my first post last year [https://www.bogleheads.org/forum/viewtopic.php?f=1&t=208855&p=3204427]. We implemented the extremely helpful advice you all provided last year (still working on parts of it) including one fund per account, moving AA to more...

I love no-knead bread in my dutch oven but I prefer the Almost No Knead recipe from America's Test Kitchen. http://www.geniuskitchen.com/recipe/almost-no-knead-bread-2-0-290761 But focused on more low carb options nowadays, been doing a lot of fathead pizza dough and fathead rolls recently. Lately, ...

On Vanguard, my dividend reinvestment shows up incorrectly in the transaction history ($58.50) but when I look under Cost basis > Unrealized gains & losses, the correct cost per share shows up ($60.77). So hopefully this means that, if you were to sell, the cost basis would be correct.

I understand why you wanted to combine spouse 1 and 2 into one listing for 401k or Roth for simplicity and less accounts, but it ends up being more jumbled and confusing since there are now redundant funds in each and it is not clear which funds are in which account (Ok, sort of clear if it Fidelit...

On the subject of your portfolio it's clean-up on aisle 5. You have far too many funds with very small allocations, which is unnecessary and it makes it difficult to rebalance. That was my initial impression as well. But if that is 17 different accounts compiled, it may be that way by necessity. Fo...

Welcome, noobogle wrote: 1. Is the asset allocation appropriate if we want to retire in 7-10 years? The immediate problem is your taxable account, which you are going to have to use to begin withdrawals, is also 80% stock. If that account drops by 40%, which is very possible, you may find yourself ...

1. Is the asset allocation appropriate if we want to retire in 7-10 years? Not sure. 80/20 is appropriate for your ages (on the aggressive side), but if you want to retire in 7 - 10 years, you need to shift to more of a protection of assets allocation rather than stay in the growth of assets alloca...

First time poster who is trying to own our investment strategy. This forum has been amazing so far. I’ve been reading it into the wee hours of the morning more times than I care to count. I’m aiming for a simple 3 fund portfolio, working to consolidate down from 17 (!) brokerage/retirement accounts,...