Bogleheads.org

No easement for water? I agree with the other poster, I'm pretty sure that is a legal right.

Except, commodities are often traded in the futures market where traders use a large amount of leverage. A 10% move down would wipeout many.

No, you don't need a tax document before Monday, you don't need any tax document for funding an IRA. Next year you will get a 5498 which lists your year end balance and any contributions, but you won't need that to file your taxes. If you use tax software you should tell the program to track your co...

Inflation is taking away your money everyday. Keeping several years of expenses in cash earning nil is silly.

There's only a few days a year that I can't run outside die to the weather. The treadmill effectively kills everything I love about running. Anyway, if you are a serious runner you need a good one or it will just break. Check out Runners World, they do reviews. Jogging strollers cost less than tread...

I wouldn't go to hawaii to see the aquarium/zoo. They have those everywhere.

Will any of the businesses BRK owns do worse after WEB dies? I doubt it. The stock may get hit, but unless you are a forced seller who cares, the underlying businesses will keep churning out cash.

Why would you consider Atlanta? It would be the last place on my list. Other cities sound nice.

Yes, and options too.

Japanese banks pay interest? I thought it was the other way around. You should report the full amount of interest on your return then I believe deal with tax credits/treaties later. Check out the instructions to confirm. More importantly, how big is this account? If over $10k are you reporting it?

Doesn't matter, with only $600 of interest income there is no tax. Run from the tax advisor she first talked to.

Indochina? I'm pretty sure they've moved on from that era.

TIPS that have already been issued adjust based on CPI and will continue to use CPI for their duration regardless of future changes. If the treasury starts issuing new TIPS with chained CPI, this will not affect existing TIPS, and the new ones will be sold at a discount to reflect lower inflation a...

Yes, except for the part about your future ss income, that part is trivial.

More importantly, you owe taxes on your gambling winnings. $100 from your friends, nobody cares. But enough to cover your living expenses and we should all care.

Ally was the only bank whose cash reserves were too low to pass the Fed's stress test. This was just reported a few days ago. Since Ally is a majorly bailed out bank (it was GMAC before it was Ally) it has to do something to get its reserves up. Giving out lots of money to depositors when the bank ...

Why bother with either. Buy Fidelity Spartan funds or trade the free ishares etfs.

As a depositor under the FDIC who cares? Just means higher interest to bring more deposits.

I'd only be worried as an investor. And I probably still wouldn't worry.

Estimate, it's not an exact science.

BRK has an infinite lifespan, I do not.

If WEB lost 99% of his wealth he'd still have $400m

This is worthless, you can't use the average.

Do you know how much somebody like Warren Buffett skews the average?

I'm 1/3 ibonds, 1/3 int tax exempt, 1/3 long tax exempt

Even if you don't have an online account that doesn't mean your accounts are not online....they just haven't been setup yet.

Worry about other things, like uninsured losses from meteor air bursts.

Donate it all and don't take a deduction, makes it much easier.

I know Ally is FDIC insured...in the unlikely event it ever went under. But, what about if the online bank gets "hacked"? Can funds be withdrawn or taken out or messed with in any way? FDIC doesn't cover that, do they? Lucky3 Why Ally? Every other bank in the world is also online. Do you ...

Don't you have to play with it within the state tax section?

I'm busy plotting all that extra time I'm going to have on Saturdays come August. I figure it frees up about five minutes between going to the mailbox and tossing the junk. Call it four hours per year and 40 over the next decade.

Cancun, In regards to the student loan "bubble," you are absolutely dreaming if you think someone with your income and assets would ever have a loan extinguished from the books in some sort of amnesty program. We have a client who has a $200m trust, but since he has no substantial taxable...

Pay off the student loan and get a new tax attorney. Even better, unless you are going to tax court, don't get a new tax attorney.

I found a 1961 nickel in my laundry coin jar (coins that fall out in the laundry).

I got really excited....turns out the 1961 nickel contains no silver.

At a minimum move that savings to a higher yielding account. You should be able to get close to 1% and FDIC insured. Better idea is to start moving it to I bonds. Living off that extra cash to max out your 401k is a good option as long as you don't need it for a house. Due to tax savings that 65k bo...

I tax gain harvest with my kids utma's. No cost at fidelity with free etfs. The amounts are small but the deduction is use it or lose it every year.

Replacing them with lower yielding securities to avoid the tax? I'd just pay the tax. . . I would keep buying i-bonds and deal with the tax when it comes up 30 years from now. Tax on the gains of 10 or 20 thousand dollars isn't going to be very much. I maxed out the purchase of the bonds every year...

Replacing them with lower yielding securities to avoid the tax?

I'd just pay the tax.

Look at the cost too. Those foam sections can be expensive.

Could just spend it instead.

In 20-30 years you should hope the market is higher than today. And who knows, the market could keep rising for another 5-10 years and you'd miss out.

This isn't like Nasdaq 5000 and the dotcom bubble, for the most part stocks are reasonably valued.

But income is revenues minus expenses. Your revenue is not going to exceed his expenses.

It's not income.

Not income.

Just a reduction in his expenses.

You can link treasury direct accounts with other accounts if they have a routing and account number (checking, savings, mm). I think it's and ach transfer.

They key is to link with an account you will have for awhile because it is hard to change once linked.

Got my kill a watt and it looks like my standby power is pretty minimal so far. Even my big plasma draws nothing when off.

The Apple adapters draw nothing when no device is plugged in.

Escrow accounts in my state pay a high interest rate, it's actually a good deal.

You are not investing in vanguard, you are using them to invest in other companies.

Lock and get a float down option.

Just tell the lender you want the option to float down the rate one time before closing, otherwise you will walk and find a new lender at the 11th hour if the rate drops.

Can anyone recommend a good "kill a watt" or equivalent product?

There is a nice looking Belkin device, but I just want something simple that gets the job done.

Only if you want voluntarily pay taxes on your gains.

I dare anyone to charge me a surcharge to use my credit card. I have too many choices, ill just go somewhere else.

Exactly.

You mean posts like: "I've had a large amount of cash on the sidelines the past few years now I want back it. The market looks safer now."

What if you need the cash? You'd have to sell stock or get equity out of your house somehow.

Also, if you "remortgage" the interest is not tax deductible. That's not a reason not to pay off, but something to think about when doing calculations.

Here's all it says for me. I don't see anything about cash or credit balance awards. Only travel rewards. EARN 40,000 BONUS POINTS AFTER YOU SPEND $3,000 IN THE FIRST 3 MONTHS FROM ACCOUNT OPENING* - That's worth $500 toward travel rewards when you redeem through Ultimate RewardsSM. Cause I have an...