Total Portfolio 50/40/10 equities/fixed income/gold This is actually what I target as well, although I do it across all accounts.  I also hold the fixed income (bonds) portion as a barbell rather than a bullet.  Meaning I shoot for roughly 20% cash/20% LT bonds, although I do have some intermediate...

My Fidelity 401k and Vanguard Roth IRA have commission free trading for US Treasuries. I'm also curious if keeping the maturity between 25-30 years makes any difference vs. 20-30. Look at the modified duration for the different bonds.  This will tell you the expected % change in price of the bond f...

VTI is more "pure PP", but I think either will be fine at the end of the day.  Pick whichever you'll be less inclined to mess with later; or do a little of both.

^^Agreed. Very well stated.

If you're really worried about timing the market I would suggest rebalancing early vs. replacing funds.  This will allow you the opportunity to catch gains on the low side as well.  I think maximum volatility should be the goal in the various asset classes.

For those of you who do NOT use a mainstream nationwide broad coverage carrier such as Verizon or ATT:  If you look at the over all value you receive from your non-mainstream carrier, how would you rate them on: Value = An optimum overall balance considering: * Cost of monthly service, * Voice Qual...

One other question:  Anyone see a problem with using the Paul Merriman "Ultimate Buy and Hold" index funds (http://paulmerriman.com/vanguard/) for the 25% stock portion or is it more "faithful" to PP to use VTI or its equivalent? For simplicity's sake, I would suggest sticking w...

I thought I was free from my ex-employer's 401(k). I was all ready to roll it to my brokerage firm. Turns out if I want a pro-rata share of any 2015 profit sharing, I have to be in the plan on 1/1/2016 !!! Son of a $%*(!<! That sucks, but I think it's pretty typical with big corporations. :( More 4...

Thanks for bringing this back to the top.  I'd been considering, or meaning to consider anyway, a homemade sports drink using dextrose and salt.  Didn't know about the potassium chloride being beneficial.  I see Morton makes a salt balance that appears to be 25% potassium chloride and 75% sodium chl...

I have a friend on republic wireless who seems pretty satisfied.  Wifi calling is integrated.  There are different tier levels depending on what kind of data you want.  You will have to buy one of their phones.

I'm sorry for your loss; you and your family are in my prayers.

Krebs has an article on this if you want more information.

If I had to guess, I'd say that there are a lot of people out there who have a very, very hard time with the line of reasoning that goes something like this: "Climate change is clearly happening (as it always has), and human activities may be affecting its magnitude. However, it is unlikely to...

Yes, I do enjoy braunschweiger.  My grandfather used to always have some in the fridge growing up; we would usually spread it on ritz crackers as an afternoon snack.  I bought some a few months back.  I'd say if you enjoy braunschweiger, try the recipe I linked to.  Very similar taste and texture, a...

Why go to such extremes to eat inherently disgusting animal parts when it's simply not necessary?  Are y'all expecting some kind of magical elixir to happen just because you're getting a huge dose of Vitamin A, bile and toxins from eating liver?  That's aka snake oil. Hmm. I wouldn't say making pat...

It's finally here and I'm surprised MG hasn't jumped on the opportunity to say "I told you so". How do those that have less than the suggested gold allocation feel about the only asset that is currently offsetting losses? A couple of days like this and I will be 25x4 without needing to re...

Based on the last couple posts, I decided to skip mixing the liver in with my burgers.  I did however make a pate with the recipe I linked to previously.  I have to say it's excellent.  I used grass fed butter as the fat, and I did soak the liver briefly in heavy cream before cooking it.  I probably...

Be careful about using white vinegar as a rinse aid.  There are some parts (gaskets etc) that will eventually be corroded by the vinegar, and are expensive to replace.  The Bosch dishwasher I just got, though, went even further:  there is some kind of chemical sensor that will only detect their pre...

If you try grinding it up in a bunch of ground beef, let me know how the taste-dispersion method works.  I don't want to ruin 8 hamburgers if I can just choke down some liver every 2 weeks :). Haha. I think I will give it a try just for you.  I'll see if I can cut a small chunk off and incorporate ...

Every once in a while I buy liver and try to do something tasty with it.  I ... And serve it with a big pile of caramelized onions. Yes! I "marinaded" it for 1.5 hours in whipping cream (didn't have milk... I cut back significantly on dairy but still like my cream in my coffee). Then frie...

Whether you do the "gap" meditation, the three breath meditation, or similar, they are very helpful.  I would encourage you to try several of them (including doing the 3 breath meditation for longer periods) and which every one you like best, do it e.g. mid morning and mid afternoon.  The...

The last I shopped around for HSA's, HSA Bank appeared to be the best option. 

Average maturity is 2.4 yrs, average duration 2.3 years.  So 1% increase in interest rate will yield 2.3% loss.  I'd rather be in treasuries than corporate paper, I want check-writing privileges, and my money is at vanguard.  This seems to be the best option. What happened in 1991?  When the treasur...

So you're looking to buy an ETF? If you wanted to DIY, I'd think your best bet would be to get a list such as the Dividend Aristocrats, then perform a shareholder yield type analysis on those to find the highest yielding (lowest price).  Use 5yr avg Free cash flow (calculated yourself) and market ca...

VFISX is good. I use this for cash for all VG holdings and have for a few years.  You can get check-writing privileges out of that fund, so it works well for emergency funds, too.