Bogleheads.org

We just opened a checking account with EverBank and want to be sure that this bank is legit. Does anyone here use EverBank?

I'm considering these High Yield Bond ETFs with my mad money in my taxable account (I'm in the 15% tax bracket): Peritus High Yield ETF HYLD iShares iBoxx $ High Yield Corporate Bd HYG SPDR Barclays High Yield Bond JNK Market Vectors High-Yield Muni ETF HYD What are your thoughts with regard to the ...

Ah ... So 30 days before and 31 days after? Sigh ... I thought I'd found the free lunch!

My understanding is that the 31-day requirement begins after you sell the depreciated share. Won't purchasing the beaten down stock, then sell the depreciated share of the same stock circumvent the 31-day rule?

Fortunately, not tax exempt. I'm not ready for yet more rules.

As for the 1 year rule, something about qualified dividends?

I've read the wiki about tax loss harvesting and want to clarify my thinking: My understanding is that TLH can be used for both stock and bond funds, and for both mutual funds and ETFs. I bought some bond fund ETFs. Should the price go down a predetermined percentage, I would be able to sell the bon...

I'm in an entirely different field but definitely echo what the others have said. Only pursue a PhD if the institution will pay for it via an assistantship (check to make sure that all tuition and health insurance will be included). I do know a friend who pursued a PhD in Physics and his wife and ch...

No. So I should get a wireless router in addition? Will the router enable multiple laptop ethernet connections?

I'm hoping to pick the brains of those more tech-savvy than I am. We currently use Comcast for internet and landline phone and rent their modem. I'd like to buy an Ooma device and get rid of the landline and just pay for Comcast internet. However, I know that I need to get a modem, and this is where...

I just use market order rather than the other types of orders because up till now, I have been buying very few shares every time. My thought is that with market gyrations day by day, tomorrow's share prices may be lower than today's limit order I could place. Am I wrong in my thinking? Having said t...

Thanks! I didn't know that.

I'm trying to understand why the yield for the Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) is 2.02% on the Vanguard website https://personal.vanguard.com/us/funds/snapshot?FundId=0042&FundIntExt=INT but 3.51% on the Morningstar website http://quote.morningstar.com/fund/f.a...

I intend to purchase either the admiral share mutual fund or the ETF of:
- Vanguard 500 index
- Vanguard Extended Market

Is one share class better than the other?

I have some money in a savings account and CDs overseas. I was wondering whether the interest is taxed at the same rate that it would be taxed here (interest in a savings account and CDs here). Could someone shed some light?

I suspect that I might be in the 15% tax rate in 2012. I'm wondering if it would be a good idea to convert my 401K at my previous employer to a Rollover IRA and then to a Roth IRA. On a different note, does the tax consequences wipe each other out if I max out my 401K and convert a Rollover IRA to a...

My effective after-tax mortgage rate for 2011 is probably 3.46% but it could be 3.93% for 2012.

My husband and I bought our house in 2008 and then moved to another state for my job. We're currently renting out our home and renting an apartment in our new state. I've recently come into an inheritance that pays off our house if we so desire. We don't intend to purchase a home in our new state fo...

It's an Employee Stock Purchase Plan. I don't know if there's a holding period. I'll find out.

I guess I'm just wondering what Bogleheads think about this.

My husband just started working part time for Pier 1. He has the opportunity to purchase stock options for up to 20% of his pay and Pier 1 will match 25% of that. So for every 4 shares, Pier 1 contributes 1.

What are your thoughts about this? Purchase to get the 25% and then sell immediately?

Very interesting topic. Sometimes, a commute is a feature of a two-income family. I've just moved from MN to PA. In MN, both my husband and I had a 45-75 minute commute in opposite directions. Fortunately, mine was an academic position, so I went in 3-4x a week and not during vacations. Now, in PA, ...

Thanks much for your replies. I am 40 and don't know how long I'll be here. At this point, I don't see it as being a short term job/have no plans to leave but I'm not adverse to leaving if something better came along. If I left before vesting, I will take my own contributions plus 4% interest. I wou...

I've just been hired in a PA state system university and have to choose between SERS/PSERS (basically, pension) and ARP (basically, 403B). Besides the fact that vesting takes 10 years in SERS/PSERS and immediately in ARP, I'm wondering whether I'd be more likely to do better financially in the pensi...

I've been given to understand that an inheritance from outside the United States is not a taxable event. Am I correct? I am a US permanent resident and I inherited a property (which I will sell) and a sum of money from my father. My father was Malaysian and the property and money is in Malaysia. I'm...

I'm just now beginning to consider purchasing ETFs rather than mutual funds and so am on a learning spree. Why would Vanguard FTSE All-Wld ex-US SmCp Idx VFSVX show a YTD return of -5.78% while VSS's is -6.30%? (I obtained the figures from Morningstar). It seems as if you're paying a "fee"...

My understanding is that Vanguard Small Cap Index (NAESX) and Vanguard Small Cap Index Signal (VSISX) are actually the same index for different groups of investors. Why is NAESX (YTD 7.51%) doing so much better than VSISX (YTD 2.44%)? Edit: Never mind. Just realized that Morningstar hadn't updated N...

After yesterday's event, I realized that I don't know enough about ETFs to be fooling with it. And I only have around 10K in my Vanguard accounts anyway. I think I'll stick with mutual funds.

With Vanguard now offering commission-free ETFs, would it be a good idea to buy ETFs rather than mutual funds if it's in a Roth IRA?

My husband and I started off by investing in American Funds. I very quickly learned a great deal and stopped investing in American Funds and started using Vanguard instead. My husband, however, refuses to stop using American Funds because he likes having access to our financial advisor to ask questi...

I just did a Roth IRA rollover from TIAA-CREF to Vanguard. I started with Vanguard, but TIAA-CREF wanted me to fill out paperwork from them rather than from Vanguard. So I had to refill out the paperwork. It did take a while. Took 40 days from start to finish. But it might be faster if I had filled ...

I'm sure this has been asked before, but I wasn't able to find a relevant thread. I'm wondering (i) How would one decide whether it is better to buy a taxable bond fund or a tax-exempt bond fund to be placed in a taxable account? (ii) What would be a good Vanguard tax-exempt bond fund? Another quest...