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Health insurance from the company I work for uses a high deductible plan (couples pay the first $3000) and gives access to an HSA account. My wife's insurance uses copays. Do you think it would be worthwhile for me to contribute the max to my HSA and use those funds for medical costs in...

I'm in the process of choosing funds for megacorp's 401k. The account is with Schwab and their high expense ratios (ER) :P. To my surprise, I came accross a couple of funds that had no ERs listed. RELAX and GWGFX. Is there something I'm missing here?

If you had to choose to buy one of the 3 vanguard funds below today, which would it be? Why? Energy Fund (VGENX) REIT Index Fund (VGSIX) Emerging Markets Stock Index Fund (VEIEX)

I would like some exposure to commodities and I'd rather keep all of my investments with VG. Do you think the VG energy fund (VGENX) is appropriate? Are many of its holdings included in other funds, such as S&P 500, Lg. Cap. Value...?

Well, I graduated in December and I received a job offer from a local actuarial consulting firm. Here are the stats for my wife and I: Non-retirement accounts: ~96k Retirement: ~21k Student loans: ~5k Initially, we will be able to save around 2,500 a month in non-retirement + max out our...

The world's countries are currently dependent on oil for continued economic growth. Could this over reliance on a single resource cause the collapse of today's economy? (ie. oil depletion = another great depression?) It is estimated that at the current rate of consumption, known world oil...

Do you think it would be wiser to buy ETFs instead of mutual funds for IRA acounts? I only buy once a year for IRAs, with lower expense ratios, it might be worth it. For taxable accounts, DCA makes ETFs a bad choice.

Has anybody else seen this? Truly shocking :o If you haven't seen it yet, let it claim your next free 1.5 hours, its worth it. http://video.google.com/videoplay?docid=-8260059923762628848 PS: I apologize if this has already been mentioned here.

Could you recommend a deep discount online broker through which I could buy individual stocks? This would be for an IRA.

How important is it for your international allocation to be divided equally among Europe, Pacific and emerging? For instance, if you were investing with VG funds, instead of going with the Total Int'l Index (58% Euro, 28% Pacific, 14% Emerging); how important is it to divide equally among Euro...

Is there a fund or a group of funds that cover commodities at Vanguard? They offer PCRIX and PCRDX, but both have a 1.24% expense ratio :P. I'm thinking of adding commodities for greater diversification in the future. If not VG, some other low-fee mutual fund Co? PS: I asked a similar question...

There was a dramatic increase in early retirees from 1950 (where less than 30% of 65 yo men were retired) to 1985 (where more than 65% of 65 yo men were retired). For men, this trend seems to have evened out since 1985. However, since 1985, the percentage of older (55+) women who still work...

From information I've garnered from this site and books (4 pillars, stocks for the long run, lazy person's guide to investing...) I came up with the following portfolio. Its all with vanguard funds. Please let me know what you think. So far I have 70k vested in it (though I don't have all of the...

Hi everyone, great to be onboard. I found this forum about 6 months ago going over retireearlyhomepage.com, what an eye-opening experience its been :o Retiring early has been one of my goals since I took my first job when I was 14 :P, my plan at the time was to ladder CDs and live off of the...