Bogleheads.org

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While we're looking backwards, comparing these two: http://quote.morningstar.com/fund/chart.aspx?t=VTENX&region=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22Vanguard%20Target%20Retirement%202010%20Inv%22%2Cids%3A%22FOUSA05HZC%7C0P00005XLA%7CCU%24%24%24%24%24USD%7C1%7C1%7CFO%7...

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Another data point for the lower earners and renters - I'm projecting for 35 [2015].

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... So fellow Bogleheads, if you were about 50 and still working because you wanted to and not because you had to , ... Thoughts? This is the key. He can afford to pay someone to manage his money. Like washing a car or landscaping, etc. This isn't someone who's debating whether or not a certain AA ...

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I HIGHLY, HIGHLY recommend following the above advice to use a Fumoto valve.

All you have to do is seal it (the threads) good, once, and you're set for the life of the car now. Cheap, simple solution.

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Money isn't everything. I work 9 hour days, get every other Friday off - a 3-day weekend twice a month minimum is HUGE . I would have to have a very, very large pay increase to give that up. I don't work any overtime. No stress - leave when the day is done, whether the work is or not. I doubt people...

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OP: do you drive?

Using a CC at the pump is faster and guarantees you'll fill up your tank vs guessing with cash and coming up short, or going back for a refund. Besides, who wants to wait in line behind people to say "$40 on #1"? What a waste of time.

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The year is 2014.

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Podcasts. Music gets boring easily while podcasts keep you awake as its close to being in a conversation. (For me at least) Your preference may vary, but these are the ones I like to listen to daily: Bill Handel (AM 640 in LA) Adam Carolla This American Life WNYC Radiolab WTF - Marc Maron Enjoy the...

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Saving $3 million for which you have no use or plan for is more than a little overshoot. It wasn't listed as an option but I would have retired 10 years earlier in this scenario. This. But if I did have $3 million and pensions/SS covered all my bills... I'd start flying first-class. Okay, I would i...

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Regarding gas mileage, I think anything at 25+ mpg is acceptable. He doesn't need a pick-up, but does require trips every so often where the ability to tow/carry would be helpful. He could either go with a car and a Harbor Freight utility trailer if the tow/hauling would be locally, or if its cargo...

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Sure, you could make a study that proves this [insert statistical method here] works. That's looking BACKWARDS, though. Good luck timing it properly going forwards.

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I will be using my 457 to bridge the gap from retirement on a small pension (due to early retirement) to Roth withdrawals (at least if needed, who knows what 17-22 years ahead will look like). Wish I had realized this a year or two earlier and started contributions sooner. My lowest ER is 0.95, so d...

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All you have to do is to read your owners manual which comes in the glove compartment of your new car. That tells you the intervals that maintenance is required. If the dealership deviates from that, you ask them to show you why additional service is requires (leaking fluid, etc.). Again, the maint...

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Time is money, right? I pay myself by not working whenever possible. The time you loose today, you never get back.

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Its is clearly not marketed towards Bogleheads.

Could be useful to teach people how a little bit of savings can add up easily and how you won't even notice the money 'gone'.

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In my newb-ish investor opinion: no one knows the future - returns, taxes, whatever - so its hard to say for certainty what would be the better option. By max'ing out your Roth, and 401k, though (especially starting in your mid 20s), you are setting yourself up for a good, stable retirement. :shareb...

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I've found that most of the "recommended" things they try to talk you into paying for are actually not based on anything close to what's in the manufacturer's maintenance schedule. ^this. I DIY. You guys are most likely paying too much for too often of service on certain items. Air filter...

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OP - you guys are set. Any choice you make won't bankrupt you if it turns out to be "wrong". You should decide based on whether you would like to spend the extra income while you're both young and happy and together. More vacations (or better hotels); stuff like that. I think this decision...

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I used this to analyze whether to keep my AMEX card or not - after the first free year, I simply don't spend enough to offset the $75 fee. It was pretty much even, so I was going to ditch it. Although for the second year I called them and asked about waiving the fee and got a $25 statement credit, s...

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Let it ride - if it won't affect any % matching throughout the year, as pointed out earlier, you'll have some of the money in the market longer. Realistically, not much difference either way.

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We magically have 27 paychecks in 2014, so I have $648.15 going into my 457b each check. It won't vary when/if I get my raise in July. Max is max - simple math

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Buy the 2014 Forester. Safe, good reviews, decent value and MPG. It doesn't sound like you will be towing - so why worry about how a CVT behaves when towing? Its like worrying that your new 'vette isn't good offroad. Test drive it and see if you like it - don't base your impressions of something off...

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Roll over that previous employer's 401k to Vanguard and put it all in Wellesley https://personal.vanguard.com/us/funds/snapshot?FundId=0527&FundIntExt=INT Look at the 10 year chart - if you had cash and left it alone it would roughly have done the same as VWIAX from 2004-2009 (that BIG hit), but...

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I don't understand why I shouldn't do something with higher expected returns even if the risk is higher for the down payment? Again, worst case scenario I don't buy a house and just continue to rent which is fine. You could go to a casino with the extra cash and try your luck. :D Higher returns com...

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Real estate would be a second job.

You want a "lazy portfolio". 3 fund or similar and let it do its thing.

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OP: You should easily be able to afford it. I make similar pay, contribute to a pension, max my 457 and Roth and have a rent of $1150/month (CA!), which is almost 40% of my take home pay (remember I max my 457 deductions). His lower cost of housing vs mine would completely pay for the car, which mea...

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I'm 33, in the public sector and have all my "bond" allocation (20%) in a FI that is guaranteed 4%. That guaranteed general account is also why we won't switch providers and I'm stuck with poor (0.95 lowest ER!) fund choices in the 457b plan. Win some, loose some. 3% I would split with a b...

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Jeez - tough place to be in, right? I could retire in my mid 30s with that salary and upcoming RSU. You definitely should let someone else manage your funds and you stick to doing the work you're good at. Be careful who you associate with also, as you will end up spending in a similar fashion (if it...

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Deposit via ATM or smartphone app?

(half-serious, as it very well could work)

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feh wrote:I'm going to retire at 50, 15 years before any of my friends/family.

That is the reward.

^ BINGO!

This also resonates more with people. A true, early retirement seems more tangible than 'doing well' when you're 65 and retiring.

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Simple. Simple is good. Set it and forget it. This would help the average investor out way more than someone who tinkers around always changing things, asking "why do I need bonds", "what about REITs", etc. I would be happy if my 457b plan offered low cost target date funds. It d...

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Increase saving while decreasing spending. Guaranteed to increase your returns now and later

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I also recommend a hard look at the new 2014 Forester.

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Put 11k into the 2013 Roths. You won't get that opportunity again. Remember Roth contributions can be taken out, penalty free - use that as a portion of your EF. If a job was lost, then that parent could provide the daycare, so I wouldn't factor that in for the EF. Also it depends on how stable your...

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Welcome to investing [you were trading].

Although you could sell a newsletter and state your trade positions and tell your subscribers to do the opposite of whatever trade you make.

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You should short REITs and go 110% into EM.

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Clearly_Irrational wrote: but I'd be interested if anyone else has a different take on it.

If I knew something that no one else did, I would be wealthy and retired.

How about you?

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This year it took slightly longer than one bottle of beer.

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I'm not sure.
I know if I'm single, I could live off of $25-50k. If I'm not, I assume I'll find someone with similar financial goals, and we'd live happily off of $50-75k. Either way I'm planning on 50-55 y/o for the age

457b, Roth and a pension will get me there.

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Great plan! As long as your friend can time it right

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A cool video on/by Patagonia

http://www.youtube.com/watch?v=z20CjCim8DM

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I'm not 25 (33 y/o), but I will volunteer to be an actual case study for an early retirement and the validity of SWR.

I just need a $2MM donation to get started.

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SierraTradingPost - sign up for their flyer emails and get some outstanding deals on the 'high end' jackets. I just bought a Mountain Hardwear down jacket for ~38% of retail. It will be used for camping mainly, maybe backpacking. Also if you are eco or socially conscious, Patagonia (aka Patagucci du...

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Seems like one of the times when purchasing new isn't all that costlier. Used car purchases are better deals when they're over 75k miles and/or a brand that depreciates quickly. Honda and Toyota vehicles never seem like great buys if they're a couple years old and low miles.

My $.02

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http://www.sbramada.com/resourcefiles/mainimages/santa-barbara-things-to-do-top.jpg Sometimes you do get what you pay for. An evening walk on the beach or hike in the hills after work can be done year-round. The SBIFF (Santa Barbara International Film Festival) is currently in town. Etc... This dec...

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I will continue to max my 457b and Roth IRA contributions annually. These [contribution limits] will index up some years when the IRS determines, so I guess my answer is yes, but I won't be the one making the % and time decisions.

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Increasing your take home pay is a way to open up opportunities - you could save it and retire early, you could gift more, work part time and volunteer the rest, etc. There are many productive things to come of earning more (I'm saying this as a Boglehead that is likely in the 'low end' of earners h...

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Don't forget, California has some beautiful mountains too! Ansel Adams coined the Sierra Nevada the "Range of Light" quite appropriately. Plenty of places for weekend roadtrips from SB - wintertime I head to Joshua Tree, summer, all over the Sierra (climbing!). 6hrs from SF, Yosemite, Vega...

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Just break it down into cost per awesome weather day - kinda hard to beat the value that Santa Barbara offers when you look at it like that! I've lived in SB County my whole life and am happily renting a 1br apt in SB with no thoughts of purchasing. Santa Barbara is great and you should find a 2br c...

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surfstar wrote:My paycheck's 457b contribution will hit Thu, end of day. I expect the markets to rise back up before then

Nailed it!

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