Bogleheads.org

Has anyone here had their tatto removed? If so what is the best process to get this done?

Where would be a good place to purchase commercial signs for windows and interior? I am looking to have my company logo printed for my new studio office space.

Thank you so much for the advice everyone. I am excited to start the new year with a revised portfolio and new goals

Emergency Funds: one year $80,000(not included in retirement assets listed below) Debt: Mortgage remaining - $176,000 at 3.25% and Car lease - $6,500 remaining Tax Filing Status: Married Filing Jointly (one child - 1 yr old) Tax Rate: 28% federal, 6.65% state State of residence: NY Age: both 30 Desi...

His face didn't come out clear in the video. But i will file a report tomorrow with the police

I was expecting a package from Amazon today. It was scheduled to be deliver by UPS and the package status shows that it was delivered and left at front door. When I came home from work the package was gone. Luckily I have a home surveillance camera system. After viewing the DVR with the approximate ...

Hi All,

I came across this product that produces blue light. It claims that it helps promote energy. Has anyone experience this, what are your thoughts on this product?

http://www.usa.philips.com/c/light-ther ... 32_60/prd/

Thanks for your suggestions, my current unit does not have a flame roll out switch. Can this be added to this unit after it's fully repair?

My water boiler for my home recently broke and I wanted to get some advice before going with my next steps. I had a plumber inspect and gave me some suggestions, what do you think I should do? My current water boiler is a Burnham Boiler, 175,000 BTU. It was replace about 7 years ago from the previou...

Hi,

I am a wedding photographer and I would like to improve my marketing skills. What would be a good book for my situation? Most of my inquiries are through my website and I would think a strong online marketing would be best? I do not have a store front for my business and work out of my home.

Hi,

What are some investments that can be use for tax purposes? For example, a college 529 for New York, we can file up to $10,000 for tax. An iBond, we can file upto $5000 for taxes.

Hi, I owe about 12k left on my car loan. My current car loan is at 2.49% apr, if I was to pay of the 12k balance. I will save about $700 in interest. Currently I am building my emergency funds with my wife. Our goal is to reach $80k with the emergency funds. We are currently at $70k, should I take t...

I've pass a few store and notice these "cash for gold" businesses. What are your experience with these business? I dont need cash but I have an old Platinum ring which is just sitting in my safe. Should I sell it? If so would you recommend selling it locally or online?

Hi Bogleheads, If my parents wish to gift me $40k, what is the best way to handle this money? I live in New York City, if I deposit $10k or more in cash they will run a IRS check on me. There's nothing to hide, but I do not want to pay taxes for a gift from my parents. Should I split the deposit int...

From what I understand, a Roth IRA is better if my income increases in the future and puts me in a higher tax bracket. Let's say I am at the highest tax bracket now at age 30 and when I retire at 65 can I be at a lower tax bracket by not working that year and not having any income? Will that bring m...

Johm221122 wrote:Just Google savings bond wizard,why do you want to cash?hold for 10 more years.its as good as gold

What does holding it for another 10 more years do? Just accumulate interest?

My wife received a $100 EE Bond about 20 years ago from winning an event at school. How do we find out how much interested this EE Bond has earn and can I deposit it into our savings account just like a check?

We have the life insurance in place for both me and my wife. So for tax advantages we should start with a 529 plan. I live in New York City currently. Which 529 plan do you recommend? Thank you!

Hi all,

I will be a new dad this July and my wife and I would like to start a small investment or savings account for our child. What do you recommend we should start investing for our child? We have about $5000 to invest for our child. Should we start a savings, 529 plan, or bond savings?

I narrowed my choices between the Steelcase Leap Chair and the H.M. Aeron Chair. After sitting on both at different clients (a few hours at each location over one week), I decided on the Steelcase and don't regret it. I found a site (in Brooklyn) that buys/sells used leather Steelcase and Aeron cha...

Hi, Recently my standard Staples office chair has lost it's padding on where I sit and if I sit in the chair for 2-3 hours or more my tail bone will start to hurt. I find this chair so uncomfortable. Does anyone here own a Herman Miller chair? Is it worth it to spend so much money on a chair? I work...

Since we're transferring from one bank to the new one, we have to pay an assignment fee for the transfer right?

Our original mortgage is a 15 year, $200k at 4.6%. We have about 13 years and about $180k left. My wife just went to Citibank and they quoted her for a 10 year refinance for 3.125%. They can lock in this rate for the next 90 days. I've never refinanced a home before, what should we ask the bank and ...

I keep about $1500-2000 cash in hand just incase I need a small amount of cash fast.

I would like to purchase I-Bonds from treasury direct. Can I use my Amex online savings to transfer funds to TD? Or do I need to have the money from a checking account to purchase the I-Bonds from TD?

IS it true that if you use nitro air you pressure will not fluctuate?

Currently I am investing in a Vanguard target 2045 mutual fund and I've ben contributing money to my Vanguard money market account. If I decide to exchange the funds from the money market to the Vanguard target fund which market price does the money get applied to? The ending share price from yester...

Do you clean your own home or hire a maid service to do it for you? In some cases, time is money and if you outsource the cleaning work to someone else, you can put your time into something more valuable like making money. Do you clean your home or pay someone to do it?

Hi, I recently upgraded my old garage doors to a non insulated steel garage doors. The garage door size is 7 1/2 by 7 1/2 feet. I would like to have a garage door opener installed. I do not have any experience in doing this myself. Should I go with purchasing an opener from Sears or Home depot and h...

Hi, Currently my only debt is my car that I financed. I owe $13,500 with an APR of 2.5%. This car is financed for 5 years, and I have about 4 1/2 year left to go. What is the best way to finish paying off the car quickly? 1. Continue to make the minimum payment required, $268.97 and save money on th...

I did not max out for my 401k this year because I switched jobs and at the new job I can not start contributing to 401k until next year. Does this change anything with my side business contribution to a SEP-IRA or 401k? With the contribution is comes from net income only?

Hi, I have a full time job and a side business job. As of right now, the estimate gross pay from my side job after all my expenses will be $10000. What should I do with this money, should I open an individual 401k or a SEP IRA? Between these two options which is better to minimize on income tax from...

I love drinking milk! especially with intake of my meals. I drink Horizon, organic 2% milk daily about 2-3 glasses per day.

I inquired with term4sale and a couple of brokers contacted me about my interest in Term life insurance. If I purchase term life insurance, do I need to go through a brokers?

My wife and I would like to start purchasing life insurance. We have no clue where to start. We expecting our first child next year and I think we should purchase term life insurance. Is there an online site that compares term life insurance quotes?

I welcome any of your experiences. I'm getting married in October in northern NJ, have venue picked, now am tackling the next major expense. We are looking at packages for engagement session + wedding, no ornate extras. We live in NYC and plan to have engagement shoot here and therefore have met wi...

I spent $16,500 for a 1.51 carat two years ago. She loves it very much.

I'm curious to know.

. . . . With the fund choices available below, would you select a Vanguard target retirement or individually select funds? Would I benefit in the individual selections over the Vanguard target retirement fund because of lower expense ratios? Assuming that you have no other investments other than th...

Hi,

If I enroll to have my employer transfer money to Treasure Direct iBonds does it get deducted from my gross pay?

texas_archer wrote:Keep it simple:

100%

Vanguard Target Retirement

or

95% Vanguard Total Retirement 5% REIT

REIT is Real Estate? 5% is a good amount to contribute to that fund? This will add a mix of US index, bond index, international index and real estate index to my portfolio?

Hi, 70% stocks / 30% bonds. With the fund choices available below, would you select a Vanguard target retirement or individually select funds? Would I benefit in the individual selections over the Vanguard target retirement fund because of lower expense ratios? 401K funds available for selecting fro...

I love photography and I consider myself to be at the level between novice - professional photographer. Currently with my blog I am trying to contribute back to the industry with tips and articles about photography. Clearly it hasn't been successful as I am not the best writer. I will try to look fo...

Open two Treasury Direct accounts and purchase Series I savings bonds - $5K in your name and purchase $5K in your wife's name. Go to your bank - purchase $5K with wife as co-owner and $5k with you as co-owner. Must hold for a minimum of 1 year - had you done this prior to October 31st, would have r...

Hi, Currently, I have $80k saved in my emergency fund in an Amex online savings and gaining 1% interest on. This emergency fund is about 14 months for me and my wife. We also have money saved in our personal account and investment accounts as well. Would it be a good idea to take $40k from our emerg...

I'm not an AAA member but I just inquired a quote online for the same coverage and it's more expensive than what I am paying for with Geico. Maybe it's because I live in NYC?

Thanks for clarifying. I was thinking that I get paid twice a month but it's 26 pay period.

Hi, I just started a new job a couple of weeks ago. According to the company's offer letter, my gross monthly pay is $5000. We get paid every two weeks and the last paycheck, for the two week period, was $2375.00 for the gross income. I am not able to contribute to 401k yet so no deductions were mad...

Our wedding anniversary is coming up in a couple of weeks. My wife never wants anything and it's hard for me to find a gift for her. What are some good gift ideas ranging from $100-$200?

Hi, Currently I am working for a private company earning a salary. I also work for myself and have a side business. With my side business, my estimate gross earning for 2011 should be around 25-30K. With that said, can I setup a SEP IRA account and contribute to it for this year? Are SEP IRA's only ...