Bogleheads.org

.... email accounts from Hotmail... Hotmail is no more and has been re-branded as Outlook. So long as you have an up-to-date browser, I recommend Gmail. I found it to be a bit strange at first. I paid for email before and not having folders to sort email through me off until I understood their labe...

Cobalt chrome, stainless steel, tungsten , titanium, and palladium are all hypoallergenic, silvery, durable, and much cheaper than gold/platinum. I would advise staying away from tungsten. I heard stories of issues with the metal as a ring, but thought I could make mine last. It lasted about 2 year...

Speaking as a weather forecaster, Valuethinker nailed all angles of it. There are some really high spec standard units out there (the Germans are very good at this, although I do not know if they understand hot damp climates). They seem to understand reasonably well... but not well enough to want A/...

I agree and suspect it is the same as my experience with USAA (will likely move it to Vanguard soon now that other assets have finished moving).

You can see the market value from your primary screen, in my case USAA. To be able to make changes though, you have to log into upromise.

Which online banks are the easiest/quickest/cheapest to transfer funds? I'll take the highest rate but I also care about website ease of use and timely cash transfers. I feel like most of us here have stated that Barclays has been quick and easy for us to use... and cheapest? I've never paid for a ...

Your credit rating is a function of the ratio of credit limit to outstanding debt. If you cancel cards you reduce the limit, and that can reduce your credit score - as I understand it. This is correct, but as others have hit on, the amount of hurt is very subjective Closing your oldest credit card ...

At what military pay grade does a traditional IRA or TSP become more beneficial than a Roth IRA or Roth TSP ??? There is no clear cut answer, but I think retiredjg summed up most of the points regarding this. Another factor to consider is using a Trad IRA/TSP to increase tax return/earned income ta...

Just for another data point, Mint.com has all my Vanguard mutual fund information, but it does not include anything in my brokerage (stock, ETF) account. I'm not sure if that is a bug, just a problem with my account, or by design. I think you have to add the Vanguard brokerage account separately. A...

Do you mean to refer to their FDIC-Insured savings account at 1.00%? I recently switched to it from ING/Capitol One. I found it reasonably easy to set-up, link to my primary checking account, and fund. Some how, I messed up my name in setting up the account and a phone call fixed it within 24hrs. I ...

Lastly, does anyone know how Lending Club returns are taxed? Are they dividends? Capital gains? Bank interest? They will send you a 1099-OID and you’ll report it on Schedule B, Line 1. Some circumstances dictate that you receive a 1099-B or MISC. Now the tricky part... if you, like many, are invest...

That URL doesn't seem to work for me (I get a time out error). Same thing with the other Wiki spreadsheets. Is it just me? If not can it be put at a different source? It is just you -- possibly ISP/DNS. If this happens in the future, you can double check with this: http://www.downforeveryoneorjustm...

I've been filling on my own for the past decade, but I'm not a tax pro. Some of what you asked was a bit too deep and I didn't touch them. It's my first time doing my own taxes so I'm completing them in TaxAct and TurboTax to see which I like more , and to ensure I'm getting the same results. [...] ...

It's interesting that the top selection in the poll is a better Portfolio Watch. I don't really need the tool (I have my own spreadsheet), but I would like to see it improved anyway. Almost every time someone posts about Portfolio Watch, I follow up with a note about the inaccuracies, recommending ...

24 including worksheets.

Next year, it should be a few less with portfolio simplification.

(rant on) I'll just express my frustration with people believing every rumor that comes around in email. Not just financial rumors, but crazy political rumors. What has happened to our school system today? Does no one read newspapers on the web or otherwise? How about checking information through r...

STC wrote:Here is what I would write:
[snip]

Great talking points, thank you.

FireProof wrote:Peope on this forum have FATHERS who are younger than 59?

Yes, hello! Late 20s, no debt, taxable income never exceeds 30K, low six-figure net worth, and future multi-millionaire if everything goes smoothly.

What is his stock allocation, actually? Maybe what he is saying, even if he doesn't know it, is that it is too high for his risk tolerance. Making a huge sudden change downward doesn't seem like a good idea, but maybe reducing stock allocation is--and it's hard to argue that this is an obviously ba...

His comment about Printing Money indicates a disconnect. That's usually one thing behind high INFLATION. And that's NOT what we have this decade. I sense a combination of misinformation and distrust. No way to fix this using a long stick, sorry... Concur. It is mostly ignorance and a little distrust.

My father is in his mid-50s. I agree with others on keeping the money in the 401k. It's not just a 10% penalty, it's all the taxes plus a 10% penalty. He could switch to a bond fund, stable value or money market within the 401k. It sounds like he's nearing retirement and is worrying about a loss tha...

I just received a message from my father speaking of withdrawing his 401k for fear of a market crash: From what I am hearing, the stock market is currently high as it is being falsely pushed up by the printing of money. At this rate, it cannot sustain itself and is due for a correction of a drop of ...

Nice. How did you come upon this?

It looks like something I can use as a good reference piece when teaching coworkers some of the basics.

I think this is where "Staying the Course" comes into play. I've decided that "Age in Bonds" is too conservative for me. I've also decided that "Age -20" is too aggressive for me. Regardless of returns, I've assessed what levels of risk I am okay with and have chosen an...

But it also gets around something that's really unfair to consumers, which is that when they buy an ebook, it should belong to them, but it sort of doesn't. If I buy something from B&N and I don't de-DRM it, I'm out of luck if B&N goes out of business. Okay, chances are that I wasn't going ...

Drain wrote:So...can one mention DeDRM here? As far as I know, it's legal for personal use.

It is legal for personal use/back-up, but the ease of use for piracy is why I won't go further here.

Clearly_Irrational wrote:We're on the edge of town and often head into the boondocks to do horseback riding so adequate rural coverage is an issue.

Virgin uses the Sprint network. In rural areas (where I was anyways), I was able to get a signal, just not 3G.

You aren't just getting old. That's insanely high. We had a similar bill and finally I said "no" and ditched the iPhones for PrePay smartphones: http://www.virginmobileusa.com/cell-phone-plans/beyond-talk-plans/overview/ Based on the user profiles you provided, maybe looking at $45, $45, $...

Buy Once, Read Everywhere Exactly what I want to do. Will it work on Kindle? I would like to click on the Amazon link and purchase the "Bogleheads' Guides.." on Kindle so a referral fee will to go to support Bogleheads. BUT I only want to purchase once and read everywhere. What's holding ...

1210sda wrote:There is a place called "The Chandlery" where you can buy Vanguard logo stuff.

Employee only as confirmed by Bonnie, Vanguard social media rep, on Vanguard's FB.

You have emergency savings and are contributing to a 401k up to match and maxing out the Roth. Awesome. That said, why would you want a taxable investment? Why not just put more in your 401k? What is your goal here? Talk of backing out with a drop makes me think you have a purpose in mind and makes ...

This situation is really concerning to me, and I can't really speak my mind because it's an in-law, not one of my relatives. Does the person being an in-law really change anything? Not so much. Family is family. Would you treat your own blood differently? If not, then you are being object and you c...

in the meantime I'm 100% in equities (mostly S&P500 index funds), and have been since the beginning. Then I come here, and lo and behold, I keep seeing that the basic rule of thumb for bond holdings is your age in bonds. It's a good rule of thumb, but a bit conservative for me. So I guess what ...

dkturner wrote:Who is Ric Edelman, and why would anyone who doesn't already know care?

Barron’s has three times named Ric Edelman the #1 Independent Financial Advisor in the Nation (2009-2010, 2012) and nine times (2004–2012) among America’s 100 top financial advisors.

So yes, what greg24 said.

I've been using it for my own enjoyment and benefit for some time now. It is, in part, because I don't have the time to dedicate to an accredited class in addition to work and spending quality time with my wife and kid. I find it a little frustrating that we, as a society, are so hell-bent on credit...

this would take several days (not sure why, seems like it could be done in 5 minutes). So it's been a week, I just called the person I spoke with before left a voicemail As I understand it, they told you that it would be several days and those several days have just past. I wouldn't focus on trying...

Similar note... new issue/question , but didn't feel a new thread was necessary. This process is not necessary for new accounts. I wish this were the case. I am in it now. I am military overseas and would like to purchase I-Bonds. Treasury Direct is directing me to the pdf form. I've been emailing b...

As an example: Cash value is 1 million, Account value is 700K and market value is 300k my Vanguard portfolio value was (which is the same as the market value) This does not compute with me then. If you said: Account value: 1000K Market value: 700K Cash value: 300K ... then, I would get it. It would...

I use Excel at work and LibreOffice at home (Linux user). Both programs accomplish the same goal and are reasonably easy to do what I need to do. I often find myself googling how to perform a goal that I have in mind. I always seem to be able to accomplish what I need, whether it be formulas to forc...

It sounds like you have a Modified Endowment Contract (MEC). This is a great breakdown of a MEC: https://www.usaa.com/inet/pages/advice_what_is_modified_endowment_contract Here is a piece from a fellow Bogglehead: http://whitecoatinvestor.com/modified-endowment-contract-a-term-you-shouldnt-have-to-k...

What app is this, specifically, and what is your objective? It is hard to answer why two ambiguous values are different without more background. I just thought that what my Vanguard portfolio value was (which is the same as the market value) on the website is what my portfolio is worth. I find it ha...

In a similar vein, Larry Swedroe had an article about bankrupt companies still trading (a good chunk of those are penny stocks). Returns are dismal, since in the aggregate, they were negative. Could you give me the name of that article? I had trouble finding it. Thanks! If you Google search the bol...

Not forums for discussion, but a VERY different approach:

http://www.magicformulainvesting.com/
http://www.magicdiligence.com/

Just a quick update. I received numerous follow ups from a gentleman by the name of Manuel. He left numerous voicemail messages and I was finally able to connect with him one evening a few weeks ago. He apologized many times and was appreciative I had decided to stick with Vanguard. He mailed to me...

If you do not have any of those credits to subtract, your line 10 savers credit is unaffected. I see this as well. However, since my line 13 is smaller than my line 10, line 10 is disregarded and line 13 is carried into line 14. Line 14 (in essence, 13 too) is what I then see applied as the Saver's...

You are reading the form incorrectly. Cap gains does not affect the savers credit beyond it's inclusion in basic AGI. It's just another part of your AGI. Note that line 13 you refer to should be line 13 on the 8880, not on Form 1040. Form 8880 also limits your credit if you have other credits by ap...

With the expected bond returns as low as they are, I do not see a big upside to what you are doing. Current I-Bonds composite rate is 1.76% -- better than a 1.00% FDIC Savings, but no, there isn't a big upside. When I first started down this thought path, the "upside" I was seeing was an ...

I am tracking everything you guys are saying. I do not agree regarding my job/income risk and I see my position as very secure -- it is something that I think one would have to be in my position to fully understand. However, I do agree that a Tax-Exempt Bond Fund shouldn't be considered to be part o...

However, one thing often overlooked is the "Savers Credit", where if your AGI falls below certain thresholds, the govenment gives you tax credits... It's true. The "saver's credit" does get overlooked. Thanks for making the point. :happy My AGI is at the "right" level ...

Note that for EIC purposes, a TIRA contribution will reduce AGI, perhaps down to the amount of earned income, however there is still a 3,200 investment income limitation to apply the credit. If your investment income per the worksheet exceeds 3,200 you won't be eligible for the EIC at all even if y...

Taylor Larimore wrote:What is Passive Investing?

This is blocked for me.

I am making a reasonable assumption that it is this series: Passive Investing Theory