Bogleheads.org

The best advice I can give is to ignore any relationship advice I offer. If you choose to read further... You are both the same age, have similar assets and income, and both are savers. There is a difference in whether to save a lot or even more than a lot. Presumably you both are in agreement on ch...

If you expect to stay in the same area long term, consider buying the house that meets your needs and wants long term. 3000 sq ft. for a family of 6 sounds very reasonable, and you *will* appreciate the nicer touches. That said, kids are not cheap and having increased costs with a reduction in incom...

I don't think you buy a tankless for return on investment. You have a 40G soak tub, and if you soak for a half hour or so you probably will want to refresh the hot water. Since presumably you want to soak to relax, do you really want to be managing hot water usage to make sure you can enjoy your bat...

My son recently graduated from a UC which is typically ranked in the top 10 public universities with an excellent GPA and had some good summer degree related experience. He had more success getting interviews through the school placement office vs. applying via the web. I believe companies have recr...

Our 2002 is still going strong with minimal maintenance

Regarding cost of college, our 2 recently graduated. Both started in community college then went to highly regarded state universities (in state). Out the door, including living expenses for the 2 years each spent living at the universities, just under $100K. For both. One just received very nice jo...

A couple of questions/comments. - Are you planning on contributing to kids college education costs. If so, is this factored into your plans? - Regarding "taking my 40s off", although technically illegal it will most likely become more difficult to get a position as you age, especially afte...

Very good that you are considering estate planning. You and your partner appear to have an estate with some (good) complications that a good estate planning attorney may be best qualified to handle; the LLC, other rental property, unmarried in a committed relationship with minor children, etc. If yo...

I'd be very careful about a house that has been flipped. It will look good and most probably pass inspection, but...there is a probability the flippers did the work themselves using low end everything. House down the street was flipped; the new owners had an endless parade of workers come in to redo...

... [1.] You most likely will want to avoid probate, which is typically slow and potentially expensive for an estate of your size. ... [2.] ... A trust, while not cheap, allows you to delay full transfer of assets to the kids until they are at an age where they hopefully will be mature enough to ha...

I'm late to the game but having just had a living trust set up, a couple of comments... You most likely will want to avoid probate, which is typically slow and potentially expensive for an estate of your size. I would suggest getting your probate assets small enough to qualify for Small Estate Proba...

Lots of good advice regarding your retirement date. Regarding the knee pain... Have you been to a good trustworthy orthopedic surgeon? I was dealing with knee pain which was interfering with what I could do. A scan revealed my meniscus was basically shredded, beyond repair. After surgery life was go...

[/quote] So, we may eventually have: 10% TIPS 10% BND 5% BLV 5% Agency Bond 30% Stock Fund 40% revolving CD ladder You can sell for capital gains either stock or bonds to fund the CD ladder when volatility is positive. [/quote] Interesting suggestion...does anyone else have thoughts on reducing the ...

I could not tell whether your portfolio consists of tax advantaged qualified retirement plan or taxable assets, but I would make absolutely sure you consider the tax implications of the strategies you are considering. Retiring at 60 and holding off on SS until 70 would lead me to design my portfoli...

Thank you Vineviz. Very good suggestions, follow up questions/comments follow. (All responses are off the top of my head and subject to change as get smarter...please let me know if I'm way off base!) I did not know the iShares iBond ETF's existed. I like the concept and while I'll need do some home...

For context... Just retired, age 60. No pension, no inheritances, but wife and I have lived a happy life and saved diligently from the start of our careers. With a real return of 1% we can maintain our standard of living til we are over 100 (based on a personally constructed spreadsheet). Online ca...

Thanks, That is the answer was expecting. (The yield to maturity is the 'real' yield for a TIPS for bonds purchased in secondary market)

Don't understand why I could not get the same answer from Fidelity. Very troubling.

Hopefully this is a simple question regarding the mechanics of buying TIPS on the secondary market. When buying at auction, I know what my real yield is (held to maturity) for any TIPS I purchase. If I buy on the secondary market, is the 'yield to worst' (same as "yield to maturity" on fid...