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I have come into 100K that is sitting in a MM account because I don't know what to do with it. While I generally DCA into Vanguard retirement funds, the market is so hot now that I am paralyzed. What would you do? I don't need the money for at least the next ten years.

We are moving to Hong Kong shortly and we will be paid in HK dollars. I was attracted to the HSBC Premier account - http://www.hsbcpremier.com/1/2....r-benefits - because: 1. it allows us to keep accounts with the same bank in various countries 2. No transfer fees/wire fees, etc. 3. Credit card with...

A friend needs to pay for something electronically in Australia in a few months. They are worried that the Aussie dollar will strengthen in the next few months. Is there a way to buy Australian dollars electronically over the next few months to protect oneself against the dropping Australian dollar ...

I too remember the crash of 87. Although I was in elementary school, I recally my parents shock and horror. While we have 40 years of work ahead of us, and I have been DCA a nice lump sum into 50% TSM, 35% EX US and 15% Total Bond, I must say that I am a little upset that the market hasn't had a rea...

I needed to use BOA if I wanted direct deposit switched jobs they claimed it was cheaper for them.

We recently switched to BOA and I have noticed that it's very expensive to order checks from them. I would like to order checks from some place else (any suggestions?) but the notion of somebody other than my bank issuing checks freaks me out. Is there any advantage to bank issued checks? Thanks in ...

I have been worried about the same issue. Our downpayment money was sitting in Treasury money market but now that we have decided we won't be buying a house for the next 3-5 years, I decided to begin to unload it into TSM, TMB and FTSE ex USA. You are supposed to have a minimum 5 yr horizon on these...

Hi Friends,

The other day I cam across a website that was similar to domania.com but seemed to give much more information. All I remember is that it began with a z...does anyone know the website I am referring to?

Thanks

Thank you very much Ken.

Where can I find the yield on the Ten Year Treasury Note?

Thanks,

trying2blazy

Private school has been raised many-a-time. Let me just point out that class and a better education are not the only reasons ppl choose private schools. Some people of faith want their children raised with the types of values and outlook that is not - and perhaps should not - be available in public ...

RM, thanks for the update. I'm impressed that you didn't have that figure off the top of your head! But you're right, percentages mean little without knowing the total amount.

We're responsible and have no consumer debt at all. Student loans didn't happen b/c we worked our way through city schools. We have been living it big these last few years. Pay increases and job security can be counted on if you're working for the government or other such entity. I also realized tha...

I think the house is very good value. It;s 2500 sqft, 6 bed, large yard, four floors, great mechanicals etc I have only bothered to look at this one house b/c I think it's the only house that has value for price in the area. We are moving to better jobs. The public schools are great, but we have oth...

I just returned from my accountant. And a conservative estimate has the mortgage+taxes+insurance+oil+electric running at 45% of our net monthly income as it currently stands. My accountant is a good friend and he saw the figures and he thinks that the amount we are left with is affordable. If these ...

I am very grateful for all the responses. I will sit with my acct. and crunch the numbers. I also don't think one can give a percentage. Different salaries will provide different percentages. I am sweating it b/c I've never done it before, and I crunch the numbers and I freak. But my old man says th...

Friends, I went to see a house today in a city in the NE. The owner was a gentleman but I am trying to work out whether we can afford it. CNN's house calculator allows a housing payment-income ratio of 28% (conservative) to 36% (aggressive). Does this make sense? Buying this house would leave us wit...

I'm confused. Is that AA for anyone at any point, or for someone older and wiser

Friends, I know that the Diehard philosophy is to disdain market timing. You just buy, hold and do AA. However, I am wondering if the same holds true for buying a home. If I can't time the stock market, then can I also not time the real estate market? Does this mean that if I see a house we like and...

NECB was quite a story. A friend convinced me to do what he does. You deposit small amounts of money in private banks in the hope that they will go public. That's what happened with NECB. They offered the stock a year ago at $10 and and Friday it closed at 12.49. I don't want to sell it yet b/c I ha...

A safe deposit won't work b/c my bank does not have branches in the state where I live. A home safe deposit won't work b/c it's not so safe. We live in an appt. I would also like a brokerage acct b/c it's easy access to the money. If I am in a bind, I can sell the shares and transfer them to a check...

I found this informative. I am now looking for a broker to park a stock certificate / stock certificates. I am not looking for any trading etc. so I don't care how much trades cost etc. All my other stuff is with Vanguard, but at $30/yr to maintain a brokerage acct, I'm hesitant to go with them, des...

A year ago a bank we had an acct with went public and when offered to buy stock before the ipo (i think that's what it's called) we did. The bank, NECB, sent us a stock certificate of ownership in the mail. It's the only stock we own, everything else are Van. fund. While we don't want to sell the st...

No, that actually makes sense. I see what you're saying.

The problem is that I have held the ROTH Midcap growth for less than a year and the Bonds I bought today...

But maybe this is what I'll do...

Sell the ROTH REIT to buyRoth Bonds

Sell the Taxable Bonds to buy Taxable REIT

I was not aware of that about Bonds. However, the ROTH will definitely remain untouched for decades, whereas this money that I recently acquired, may end up being used. I am hoping it will not be used, but it may be used a little sooner than the ROTH. I want some type of safety hedge and that's why ...

Thanks for the kind welcome... The reason I did not ask is b/c I didn't want to become paralyzed by the options. One reason I am with Van and not Fid is that Van only has so many choices (and with funds closed and high minimums, there is even less available to an impoverished newbie like me...) Howe...

I have been lurking as a guest for some time. Recently I came into some money and today I invested it in Vanguard. I never asked people for advice before I invested b/c that would just confuse me more. Now that it's all invested, and I am not going to make any changes for a long long time, I thought...