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I am, more or less, a Boglehead style investor. I have purchased cheap broad market Vanguard index funds for my equity and bond allotments. We also have access to TIAA CREF funds, and have been investing in TIAA Traditional and Real Estate accounts. Overall I try to maintain an 80/20...

Any thoughts on potential economic fallout from the first indictment? Or is it already priced into the market?

I got a call about a week ago from the Small Business Administration. "Hi. I'm calling about an Economic Injury Disaster Loan your name is on." I told them I was unaware my name was on any such loan application. A bit of back and forth quickly determined they were looking at a falsified...

My 17 year old daughter has about $4k she wants to put into an IRA. I am thinking of advising her to open a simple vanguard lifecycle plan in an ira. FYI: As part of this decision making process we discussed compound interest (that really caught her attention) and i asked her to read a couple...

I was at a presentation by a Realtor discussing our local market. Like many, it is really hopping. Home values going up $15k every two weeks, limited inventory, offers with no contingencies going $50k over asking on first bid. The realtor discussed her thoughts on why-Covid making our rural...

I run a small nonprofit recovery community center for folks dealing with addictions and mental health issues. We have recently come to believe we're being embezzled from. Looks to be a significant 5 figure amount (When you are a small nonprofit, ANY 5 figure amount is significant). Without...

This story might make you laugh: Over the weekend my garage door was vandalized. Someone wrote "shut your dog up" in permanent marker. Mortified that my dog had been a nuisance (first complaint we've heard in about ten years), I checked with a few neighbors to see how bad. All claimed not to...

I bought a cabin in the woods. Nice little place on 0.5 acres, with a stream. Located in the Blue Mountains. Built in 1972, it was owned by one owner until it went into foreclosure about ten years ago. Unused since. Plan is to fix the outside this year, and update the interior next year...

I'm looking at my portfolio today and realized I'm about evenly split with a 50/50 mix of TIAA Traditional and Vanguard Total Bond Market/TIPS inflation protected bonds. TIAA Traditional is a unique investment, but I've always thought of it like a unique bond since it has an income minimum...

My family health insurance is via a high deductible health plan my wifes employers offers, that includes a Health Savings Account. Her employer funds it to the individual maximum of about $3k, though as a family we could fund it to about $6k. I recently went to work for a small nonprofit that...

I've found this to be an unusually level headed board. Curious how you all would handle this situation: Until recently we have had two family get togethers per year, involving my family, my brothers family and our parents. My family hosted one, my brother the other. One day my brother...

Report: More Americans Putting Off Retirement Until Final Few Moments Before Death Report: More Americans Putting Off Retirement Until Final Few Moments Before Death | The Onion - America's Finest News Source "WASHINGTON—According to a report released Monday by the Bureau of Labor Statistics...

My family is considering purchasing a small cabin, worth $70-80k. I'd like your thoughts on financing. Pertinent background information: In my early 40s with kids around 10 years old Income around $80k Currently have mid six figures in retirement accounts Paid off residence Have approximately...

I have had some unexpected expenses this year. This results in me not being able to fill both spouse and my IRAs out of regular cashflow. I do have enough in taxable to easily fill both. All money in taxable savings has been there over a year. What are the advantages and disadvantages of...

Am reading a great book called Quiet. It is all about the many strengths of introverts. It has caused me to wonder if this board leans one direction or the other. Please post on what advantages you feel your intro/extroversion has given you in pursuing FIRE. I will hazard a guess that we...

Wife and I are considering purchasing 5 acres for $50k. This property is currently considered agricultural. We have no current plans to develop it. It is in the boonies near national forest and park land. It is a place we would go with our camper. We are in our early forties. Debt free...

I am currently looking at the "your portfolio" tab on firecalc. Please help me understand why I get dramatically different results for each of the options. (All pre-sets from other tabs remain the same for each option I list below.) For Total Market option: I have it set to 1927, fixed...

It's 95f out and I'm not happy! In honor of W2Rs very successful cold climate thread. What about the folks that prefer things a little cooler. Aside from the obvious, what don't you like about the heat? For me: Bugs! Tend to be lots of people. I tire more easily. Lets hear about the bad...

I hear advertisements for gold all the time. They always say it is beating the market and a great inflation hedge. How good is it? I think I'll take this opportunity to educate myself. Here is what I found. In 1980 gold was $850/oz. Gas was $1.25/gallon. Today gold is $1645.24/oz. Gas is...

I am trying to figure out how to best use the Your Portfolio tab of the calculator. Specifically, I'd like to use the mixed portfolio option. I am an indexer, using a portfolio similar to what is suggested in The 4 Pillars of Investing. I have Vanguard index funds for : Total Market Small...

My wife and I have a friend that is going through a nasty divorce. She is financially strapped, and is thinking about downsizing her home so she can improve cashflow. She currently owns a large-ish home, with an attached one bedroom mother-in-law apartment. She is trying to sell it for $285k...

Have just read The Bogleheads Guide to Investing, and am looking at restructuring my portfolio. I am currently 38 years old, with a before tax household income in the upper mid 5 figures. 2 kids. No debt. Lower to mid six figures invested. Currently have money invested in IRA's for self...

I know, I know, lots of threads on this subject. But I think my situation is a little different then the others I've seen addressed. The facts: A. Currently have a mortgage on my house at 6% for $49k. (Realize that is high, when we looked at refinancing we were told it really wasn't worth it...

The route started in Moscow, ID, went through north central Idaho, northwestern Montana, and through central Montana. It ended about 40 miles south of the Canadian border in Havre, MT. This travelogue may seem long. But I think anyone wanting to get a taste of what this famously beautiful part...

Branching off of an earlier post. What would the average age of your fleet of vehicles be? Example: I have 3 vehicles, a 1976 Monte Carlo, a 1990 Toyota Pick-Up and a 2002 CRV. The average age of my fleet is 20.66. What's your average, and how many vehicles do you own?