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There's a line in Office Space which sums me up perfectly... it says something like "It's not that I'm lazy, it's that I just don't care..." .

Are you saying we're fighting The Boxer within ourselves while making our investment decisions...

Somewhere around the middle :-)

Sarcasm? What sarcasm? I have absolutely no idea what you’re talking about… ;D

Not really... Instead of getting screwed by the boss... well, I'll let you use your imagination :o

My company started marketing interest only 40yr mortgages because people couldn't qualify with the 30yr or even 2yr arm payments anymore. And we even allow people up to 55% debt to income ratios. It's spooky out there... ::) -Jay

Soup, I enjoy your posts and their replies, because you and I have similar goals and risk tolerance. My only concern with this strategy is if tax rates go up (which many believe is almost a certainty) then taxes will eat up any advantages you might gain. The qualified dividend rate of 15% is a...

I've been made fun of for years for eating PB&J's for lunch 9 out of 10 days at work instead of going out for $10/day. It used to bother me ever so slightly in the beginning... but now I almost enjoy it. When they start making their comments I sorta smile inside knowing they just don't get it...

80 degrees here in FL today. Nice ocean breeze off my back porch, a cold six pack in the frig, hardly a cloud in the sky... too bad I was at work and had to miss it. :'( My desk doesn't even have a window view, which is of the interstate BTW >:( -Jay

It seems Vanguard is always 3-5yrs behind the curve when it comes to opening useful funds (ie., not another large cap fund-of-funds.) I doubt they will open one before the year 2016. -Jay

I agree that Vanguard can be annoying at times... but with the few hundred $'s a year I'm saving in ER's with them I can stand a little annoying ;) -Jay

You can also purchase the Emerging Markets ETF (VWO I believe) without the 0.5% purchase fee, but you will pay a brokerage commission.

You're not alone. Many others are having the same problem. Below is a link to the Morningstar boards talking about the same thing. http://socialize.morningstar.com/NewSocialize/Asp/FullConv.asp?forumId=F100000015&convId=163525

That lock is not to keep you out, rather it's to keep the rest of us poor suckers in! :'( Have fun ;D

When I was in Australia they don't have pennies and round to the nearest nickel. They also use coins for $1 & $2. The smallest bill is $5. I like this method and say we move toward this in the US. Considering a US $1 only lasts about 6mths, and you see coins from the 1960's all the time, it...

Although I've only been in the corporate/office setting for 8 years it seems to me that most managers who take their frustrations out on employees either have emotional problems, are just jerks or both. They would vent on you or any other warm body in front of them. I wouldn't take it...

Just saw that play at a community theater last week.  Live!! Live!!   ;)

Welcome! :D What part of the world are you in now? -Jay

Those who are in their 20's and already have built up a good chunk of assets would prefer a flat period rather than a huge drop, thank you very much! ;)

I think this is the most important piece of legislation our government has seen in decades (HR 25 I believe.)  This would create a boom in our economy and make the US the tax haven of the world. There is a related site www.fairtax.org which also explains the plan. In short, I think this is...

There is an In-Town Suites on the Southside of Jax, on the corner of Beach Blvd & St. John's Bluff Blvd. It's about 10-15 min from the beach as well. -Jay

I actually live in Jax (about 5 min. from the beach.)  While it has really changed over the last 10 years, and not always for the better, it is still nicer than many of the cities I have been to.  I am looking to move out of Duval county though... probably to Clay county. St. Augustine is also...

A coworker of mine just passed last week. He was only 32 yrs old and had a stroke. It really does make you think about things. I'm sorry for both of your losses.

I'm not even 30 yet and already called a cheap old b*stard  ;)  My wife & I could live on that salary with no problem assuming health coverage is available through the employer.  I have pretty heavy Rx costs...  :rant:

Exactly what I was getting at.  Anything less than $600, and really anything less than $700, will not be on the efficient frontier of comfort...  8)