Bogleheads.org

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How Did GMO Asset Return Forecasts Actually Turn Out? 2011-2018 https://www.mymoneyblog.com/gmo-asset-return-forecasts-vs-actual-returns-2011-2018.html Some quick and simple observations: US Large-Cap and US Small-Cap stocks did a lot better than forecasted. Compounded over the full 7 years, the di...

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Question, is the benefit based that you continue working until that year? Or if you retire now, say 15 years earlier, it would be much less, correct? Correct. They assume you work until drawing SS. There are different calculators that let you estimate benefits if you stop early, though. I remember ...

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Tiffany is all about the name. But let's be real, so is the cost of the engagement ring - it's all how its perceived that is paramount. Like it or not, there is a real subjective value for many (?most?) for showing this type of expenditure for the engagement ring. Meaning it's more than just a busi...

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Nevermind - I see you already referenced Pub 936, which should give you the $775k average to use.

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I would make the additional contribution to max my 401k, knowing that I had several years to rebuild the car fund and could use Roth contributions if worst came to worst. I second this. Max 401k first. Cash-flow future car payment when/if needed. Boost your retirement accounts early and let compoun...

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The whole anode rod replacement thing was unknown to me before bogleheads. I've researched it a bit on TerryLove also, and will not be changing the anode on a recently installed WH. I might drain 1-2x a year, though. Our old one came with the home - it was a 6 year warrantied Rheem and it lasted 12 ...

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Cool. I don't think I'm special enough that anyone cares that much about me, though. I don't purchase items through online ads, either, and access tons of free content - youtube, podcasts, etc. I figure them selling ads using my data is how I 'pay'. *shrug* If I ever did something heinous enough th...

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Gmail does not scan your emails for ads. This concern is overblown. I agree with the technical bits, but disagree with your overall perspective. Chicago a year ago told Google, give us everything you have on this suspect[0]. And as we know, Google keeps everything possible about you, not just email...

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So that’s twelve separate bonds? 4 x $1000, 1 x $500, 1 x $200, and 6 x $50? Considering I plan to hold on to these for decades, that’s not really ideal. It's not so bad. I have photographs of the bonds (for the serial numbers) electronically stored in two safe places, the serial numbers are stored...

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Congrats. This will be quite hard behaviorally. By not listening to the BH advice, you've created even more outsized gains. But - at what point do you lock them in? Hold until retirement? Sell all now? Half now? Tough decisions. Easier for me as I don't hold single stocks. The FOMO isn't that great,...

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Lets tease it out more - no inheritances allowed, higher education must be self-funded (scholarships are fine, but parents footing the bill is a large monetary gift), no gifted home down-payment, etc, and rerun the numbers... I'd wager that would increase the median boglehead age a bit and again, a ...

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Just wear layers, save money and the planet. Some things, like winter, require accommodation and acceptance. The winter I spent in Juneau was snowy. The first time we shoveled the roof I complained, but by the second time, I had accepted it as a reality and was much happier (less miserable). This. ...

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Savings rate.

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Capiltal One 360 is offering $400 checking bonus with easy to meet qualifications
https://www.capitalone.com/bonus400/

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Oh, HECK NO!
Lose all that PTO and pension?

Work-life BALANCE -- as in work shouldn't exceed 50%

Additionally - health insurance costs? Possible retiree healthcare?

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Assuming the car I want is the exact same price in July as it is now (I know we don’t know for sure but just for discussion sake) do I gain anything from waiting? For example if I want Netflix and I don’t get it until July then I save 6 months of monthly fees. It’s easy to calculate the savings. Do...

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I just used my 12 word phrase to get me into my blockchain wallet again. However, the .05 bitcoin that I have the address for and is mine is not in my blockchain wallet. My wallet shows that I have zero bitcoin. Any ideas would be appreciated. Maybe it fell out of the wallet - did you check on the ...

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RE: 2020 was a great year for individual stock pickers

This just in: My brother always wins at blackjack when he tells me how he did.

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My camping clothes would smell of smoke. Then I washed them. Smoke smell gone. Works for wood campfire smoke - is a housefire that different? Sure plastics, etc might burn and have a worse odor. But it was confined to the dishwasher. I'd invest in some air filter/purifiers with activated carbon and ...

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I have 6 accounts of $1k each that earn 5% Netspend + Brinks account for 5 DFCU for #6 DW has the same. That gets us a good chunk of E-fund covered. Now we've been moving the rest from Ally / All America to I bonds. Not sure if those 5% accounts are still available to new customers, and/or if you ca...

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I'm 40.

Every day I regret that I am not retired. Unfortunately we don't have the money to FIRE yet.

Why would you work a single day more than you had to? There is an entire world to see and things to do.

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I have never talked to a financial rep and hope to continue that streak *shrug* Phone calls are so annoying. Luckily 99% of things can be done without them. Usually cancelling a CC after getting a bonus is what causes me to interact with a human from a call center located in another time zone or cou...

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No one has mentioned this yet: You have a 2 hour commute Only once per two weeks. That should provide a HUGE circle of area to look for a more affordable, larger home, right? If you really can't find a better location and its down to the one home or your current - add a 3/4 bath. Or maybe even a gue...

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alec wrote: ↑Thu Jan 07, 2021 5:49 pm I bonds.

https://www.treasurydirect.gov/indiv/re ... ibonds.htm

+1

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The average U.S. mortgage rate for a 30-year fixed loan fell two basis points this week to 2.65% – the lowest rate in the Freddie Mac’s Primary Mortgage Market Survey’s near 50-year history. This week’s mortgage rate broke the previous record set on Dec. 24. That data is lagging, though. If you're ...

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I always give my number as ###-867-5309

I think only 1 has been smart enough to get it.
Most email back saying "I tried your number and it doesn't work" - yes, that's the point. Email only.

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another reason to hate GCs

Just give cash. Want more security? Send cash via Venmo, Paypal, Zelle, etc.

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(cross posting from the LenderFI thread, b/c I shopped a few lenders yesterday and today) Still in process, but I believe we're going with Loan Depot. LenderFI came in great with 2.5%, no cost. Beating Owning.com (2.75% $1200 cost), Interactive Mortgage (2.625% $0), Loan Cabin (2.375% $0 or 2.5% $3...

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(cross posting from the LenderFI thread, b/c I shopped a few lenders yesterday and today) Still in process, but I believe we're going with Loan Depot. LenderFI came in great with 2.5%, no cost. Beating Owning.com (2.75% $1200 cost), Interactive Mortgage (2.625% $0), Loan Cabin (2.375% $0 or 2.5% $3...

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from last year, https://ritholtz.com/2019/04/buy-yourself-a-fking-latte/ It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’” I disagree, and have repeatedly done so over the...

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Replaced my own 3 years ago and installed it myself. $600 at Home Depot plus $25 disposal fee at the dump. You don't need to be a brain surgeon. Lots of help on You Tube. This. DIY Took me a better part of the day, as the newer model was slightly different sized and the old one didn't drain complet...

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Replaced my own 3 years ago and installed it myself. $600 at Home Depot plus $25 disposal fee at the dump. You don't need to be a brain surgeon. Lots of help on You Tube. This. DIY Took me a better part of the day, as the newer model was slightly different sized and the old one didn't drain complet...

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As long as the teen isn't a driver, why would you be adding them?

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corn18 wrote: ↑Mon Jan 04, 2021 1:03 pm Quick page 5 poll: How many BHs have changed their mind based on this thread?

I'd like a pizza right now - does that count?

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conGRATulations on being "ultra wealthy" ?

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The Yelp reviews of TreasuryDirect website all say the website is a nightmare. Is there any other way to buy iBonds, like through a bank or brokerage? Has anyone here had a user-friendly experience w/TD? If one buys paper bonds with their tax refund, is the idea to keep the paper bonds in a safe pl...

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jhawktx wrote: ↑Tue Dec 29, 2020 8:09 pm
iamblessed wrote: ↑Tue Dec 29, 2020 11:01 am We compare spending every year on the forum. It goes back many years. It's almost a tradition.
Why?

It makes some people feel better about themselves, some people experience jealousy, some indifference, etc - you know, it's a tradition - like thanksgiving.

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Ugg . .. this is depressing. $271k broken out as follows: $24k mortgage $55k investments $60k expenses (food, utilities, entertainment, car lease, cell phones etc) $17k landscaping project $18k kids college $8k property taxes $6k insurance (auto, home, umbrella, etc) $10.5k FICA/Medicare $10k state...

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Another 787,000 Americans filed for unemployment benefits in the week before Christmas, the last snapshot of 2020’s appalling jobs market before the New Year. Unemployment claims have been rising again in recent weeks to their highest levels since the autumn as surging coronavirus rates have slowed...

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During our recent mortgage refi's we had to adamantly demand that the deed be corrected to continue our same holding as "community property with right of survivorship". This is in CA, where it can actually have a measurable tax advantage. The title processor didn't know the difference and...

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heidim wrote: ↑Thu Dec 31, 2020 10:29 am What's the importance of re-titling accounts to be CPWROS?

Review the links in posts 3 and 4 of this thread.

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Do I have enough to retire at 50 or should I wait to 55? I own my house and don't have expensive taste. I think $100K a year would be more than enough to survive on. We (40 y/o couple) pay a mortgage in a HCOL area and don't spend $100k/yr. Are you sure of your expenses and or the definition of exp...

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Nate79 wrote: ↑Tue Dec 29, 2020 3:50 pm Relatively low net worth? Compared to who, the Vanderbilt's?

I just came in here to see if "low" was over $1mm. Yep.
Check.
Bias confirmed.

Not to mention $2620 monthly pension and SS income.

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During our recent mortgage refi's we had to adamantly demand that the deed be corrected to continue our same holding as "community property with right of survivorship". This is in CA, where it can actually have a measurable tax advantage. The title processor didn't know the difference and ...

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Tell them that you're going to buy some lottery tickets instead?

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Assumptions: 1. This is mid-west or a VLCOL area 2. Much harder to replicate with today's interest rates "15-24% return" oh "and higher" was mentioned in the OP. I just don't see this being a strategy for going forward, unless it is quite risky. I can tell you guys how I made mo...

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Assumptions: 1. This is mid-west or a VLCOL area 2. Much harder to replicate with today's interest rates "15-24% return" oh "and higher" was mentioned in the OP. I just don't see this being a strategy for going forward, unless it is quite risky. I can tell you guys how I made mon...

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RE the Pacifica Hybrid - it is a plug-in which qualifies it for the tax credit. There are usually additional rebate opportunities also: Looks like you can also get a $500 PA rebate and $50 PECO rebate. (kinda low vs what our state and utility offered in CA for a Prius Prime) If $8000 in credit/rebat...

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I was browsing on-demand streaming options last night and ran across the Penn & Teller Showtime series Bull$#*!. They did an episode on this very topic about 15 years ago. Watching it now, so no opinion yet, but others may be interested. https://www.imdb.com/title/tt0771117/ BS is great! They h...

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No matter which you use (NADA, KBB, edmunds, etc)

1. Determine the "trade in" value (or carmax type 'cash')
2. Determine your private party value

Price it in-between and at least high enough to be worth the effort of selling it yourself.

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