Bogleheads.org

Faxes are totally secure. Just ask this guy; he'll tell you.

Bitcoin is a digital currency/commodity, not an investment. Bitcoin was never intended to be an investment. Speculators and misguided "investors" are destabilizing the value and slowing the adoption of Bitcoin as a currency. If you do not intend to use Bitcoin as a medium of exchange for g...

I was surprised at how cheap b/w laser printers are. I don't print much so I'm not sure a laser is right for me. Laser is great for infrequent printing, as the toner never dries up from non-use like ink cartridges do. If you don't print a lot, the starter cartridge may last you several years, and a...

I don't see why we can't just move to an Amazon.com opt for selling cars, which would allow deep discount pricing. There would still be physical lots where "Amazon" buyers could go to get "hands on" with vehicles, staffed by a cadre of drones whose only function is to show you t...

I just bought this printer and now realize I should have gotten some kind of wireless set up. Is there any kind of device I can add to revert to using this as a wireless printer? (maybe this is a stupid question...lol) Does it have an Ethernet port? If so, you should have several options. The print...

1. Their expected return is higher because we don't have to pay any annual fee for holding them. I think you're not considering bid/ask spreads and other additional up-front costs with the individual stocks. 2. Their expected return is higher because we receive the dividends exactly when the compan...

One thing I haven't seen mentioned: hot sauce (or any sort of very spicy sauce or powder) is supposed to work well. Birds can't taste it, but mammals can.

Here's an alternate idea -- put a squirrel feeder at ground level, so it's easier to access than the bird feeder.

http://www.amazon.com/Accoutrements-Big ... 008C0OBCI/

From what I understand regarding Renter's Insurance , it's not so much to cover your own personal belongings in case of theft, but more so to protect you from litigation if it's proved that YOUR apartment/room/house was the cause of disaster such as a fire. Say you're in a large complex, and a fire...

promising investment opportunity

Did anyone else become mildly nauseous when reading that?

drewswan wrote:A landlord confiscating a renter's possessions may find the police asking questions.

This is a good point. Now that your child is above 18, you can't legally do anything to them that you couldn't do to any other renter.

I'm planning on dumping Rewards Checking in the near future. These things don't last long. Over the course of about a year, mine went from 5% on $25,000 (with 1% above) to 3% on $15,000 (with 0.25% above). If you open one of these accounts, expect the terms to change for the worse every few months. ...

I'd say that that the principle should be the same in both cases: If you don't feel that an advisor is providing $X worth of value, you shouldn't deal with that advisor. If you don't feel that a charity is providing $X worth of value (which could take the form of personal satisfaction, making the wo...

I gave up on inkjet printers years ago. They are just terrible and disgusting. Unless you do a lot of photo printing, I would recommend a blank & white laser. There are affordable black & white lasers marketed to home use, with prices comparable to color inkjets, with long-term costs being m...

But how is the seller able to cancel the sale if you bought the note from him or her already? And isn't Lender's Club aware of this fraudulent leak in the system? Purchases of notes take a certain amount of time to fully process, and if the note receives a payment during that time, Lending Club aut...

I will post this warning in every Lending Club thread: absolutely do not use Lending Club if you live in a state where you're not allowed to purchase new-issue notes . Residents in many states are restricted to using the note-trading platform only. Don't do it, for many reasons (see previous threads...

Wouldn't that be the same thing as a quant fund? http://en.wikipedia.org/wiki/Quantitative_fund Vanguard has them. They closed some of them in 2011: http://www.marketwatch.com/story/vanguards-fund-closures-teach-a-valuable-lesson-2011-03-06 Structured Large-Cap Growth has an average annualized retur...

This proves that Vanguard's fees are ‘worth a hill of beans’. I’m glad I 'Sanka' lot of money into Vanguard's mutual funds. I can imagine the marketing folks at Starbucks exclaiming “for Peet’s sake.” Mike On what grounds do you make such an assertion? Did you filter all the available information? ...

Statistical analysis has proven it with a very high degree of confidence and consistency. Placing an $X bid in the last second is much more likely to result in winning, and at a lower price, than placing the same bid earlier in the auction. Even if you don't understand why, that's the observed phen...

I completely fail to understand what advantage you supposedly gain from waiting until the last few seconds. Statistical analysis has proven it with a very high degree of confidence and consistency. Placing an $X bid in the last second is much more likely to result in winning, and at a lower price, ...

My most expensive are VNQI at 0.32% and VSS at 0.25%, but they're 5% slices so I'm not too bothered.

I just stumbled across this problem again - I think there are two major points that are overlooked... in the wiki and other forum info - the M* charts are actually TWO web elements - #1 - the chart graphic is in PNG format with a linkable URL #2 - the chart legend is plain text layered above the im...

My main concern is liquidity. Right now it is very easy to dump a note when you see it start to have issues. I would guess I've sold six so far. A recent example would be a note that made maybe 5 or 6 payments and then didn't batch through with the rest of the notes due that same day. I went to the...

If there were a way to get that live & in real time, it would make an awesome screen saver.

nisiprius wrote:Gold advocacy comes with ideological and political baggage

I only see this as a concern if you believe that humanity will have less ideological and political baggage in the future.

For those considering the Cree lightbulbs at Home Depot, they come in two color temperatures -- "warm white" 2700K, and "daylight" 5000K. The 2700K is probably closest to what you're used to, regardless of whether you're used to incandescents or compact florescents, but I recomme...

I'm interested in this too. The best value I could find was the Cree bulbs at Home Depot, but I assume you know about those already.

I would make sure you have documented any damage prior to moving in-including countertops, floors walls, etc. Take dated pictures, put copies with your lease and notify your landlord. In college towns they pretty much keep the damage deposit as a matter of principal, it didn't matter if you left th...

You touched on one of the reasons why total market indexes are preferred over things like the S&P 500.

VBR is the main one: 0.1% expense ratio, $9.4 billion market cap, inception 2004, share class of VISVX, inception 1998. Compare to the others: VTWV (0.32% expense ratio, $84 million market cap, 2010, no mutual fund equivalent) VIOV (0.24% expense ratio, $23 million market cap, 2010, no mutual fund e...

The process to sell the notes through their awful trading platform was lengthy, and involved giving back almost all of the interest in the forms of markdowns. The note trading platform is terrible for buying, too. Residents of many states are not allowed to purchase new-issue notes, meaning it's ei...

I live in a state where Lending Club only allows access to the secondary market note trading platform, not new issue purchases. I am very unsatisfied with Lending Club. Ever after spending many hours studying and attempting to master the horribly-designed and badly-managed note trading platform, I'v...

What are these 401ks where you can contribute up to 50k? I can't contribute that much to my personal IRA. If you have a 401k, you can make $51,000 / year in total contributions. Deductible + Roth contributions can't exceed $17,000. For example, you could have $17,000 in deductible contributions, $3...

eBay might be an option. You should start by looking at similar listings & see how they list the items and how much they typically go for. You could set a reserve price if you're concerned about it selling for too low of a price.

What is most people's approach to this? Do they do it once a year? Do it every two weeks? When? I have the ability to do this through the year and just move it all at once, or I could do this across about 4 paychecks and then move it all at once. Or move it every few weeks (not preferred because of...

Paint over it with brick-colored paint.

I'm a big fan of HDMI but my computer and TV are in the same room so a 25' cable was sufficient. In terms of set-top boxes, you could probably get a Roku box or something similar for about $50. You might already have a usable device. Most video game systems have Netflix support, and many new TVs hav...

JustinR wrote:Is it too late to hit the April 30 deadline?

What I mean is that does TreasuryDirect count your purchase at time of purchase, or when the funds are withdrawn from your bank?

It will probably work if you do it today. It might even work tomorrow, but today would be safer.

26USC wrote:Buy put options on the security

Be careful, as this will typically get you fired (and possibly sued) if caught. Being in any situation where you would benefit from a decline in your own company's stock (via short selling, options, etc) is probably a severe violation of your company's policies.

DCA doesn't make any logical sense to me. If you're not comfortable being fully invested now, what makes you think you'll be comfortable being fully invested in X years? If you're concerned about a market crash the day after your lump sum investment, do you realize that a market crash the day after ...

I had heard that 51k number before so just wanted to confirm and Thank you. A follow-up question, is that 51k limited to 401k. In other words, can I make a 5k non-deductible IRA contribution as well? Yes. You can do $51,000 to your 401k and $5,500 to your IRA, for a total of $56,500. Keep in mind t...

I've seen charts in the past. Based on vague recollection, I think you'd end up with foreign bonds as your largest asset class, then foreign real estate, US bonds, commodities, foreign equity, US real estate, and US equity, with "equity" of course including much more than publicly-traded c...

Looking back over the past ten thousand years or so, has the human race typically become more successful and powerful and prosperous, or less? Once you're looking at thousands of years of data, it becomes harder to argue "recency bias". You could see equity investment as a bet on the succe...

I was expecting a link to Blue Hedge:

http://www.bluehedge.ca/
http://www.bluehedge.ca/options.php

Prerequisites: * A friend * A box * You and your friend will both need some $10 and $20 bills Implementation: Step 1: You and your friend each put $20 in the box. Box contains $40. Step 2: You sell the box to your friend for $30 (he gives you a $20 and a $10, and you give him the box). Step 3: You m...

I don't see any intrinsic value in bitcoins. It's a useful mechanism for exchange. You can send money to anyone in the world, generally for free. You can buy things from merchants without entrusting your credit card number to them. You can donate to charities or individuals without revealing your i...

I'm curious, what would happen to the value of Bitcoins if someone like the U.S. DOE used the Titan supercomputer at Oakridge National Labs (Currently ranked #1 on the list of top 500 supercomputers in the world) to mine for Bitcoins for just a day or two? A week? I'm not talking about the US gover...

How does one short bitcoins? That price chart has bubble written all over it. This form of "currency" seems extremely fragile. There's an option exchange: http://mpex.co/ More information: https://en.bitcoin.it/wiki/MPEx#Options http://polimedia.us/trilema/2013/mpex-btc-usd-options-denomi...

FIFO is the default for securities if you don't identify them at the time of sale. I would think this would apply here as well. I'm still wondering how that would work with fungible securities, though. If you bought 10 bottles of identical wine at different times at different prices, mixed them all...