Bogleheads.org

http://www.kitces.com/blog/archives/509-Is-Capital-Loss-Harvesting-Overvalued.html An interesting article for some of the more beginner investors on this forum (including myself) about tax loss harvesting. The benefits of tax loss harvesting may not be worth the hassle if your investment isn't larg...

One of my best friends just went from making no money at all to close to a triple digit salary at a management consulting firm, and I am trying my best to share with him everything I've learned. His understanding of personal finance is very slim, and he has his heart set on putting his investment mo...

Thanks for the responses. It still makes me wonder however, why a large investment bank like Goldman or broker like Fidelity doesn't have their own tax department, merge with one, or simply buy one out. I work at a tax form for high net worth individuals (some ridiculously high) and the margins aren...

This may be a silly question but how come I never hear about advisors (whether private practice, investment banks, brokerage houses, etc.) who act as both investment advisors and tax practitioners? I'm assuming this is against the law, as it would be a surefire way to attract clients, both big and s...

Bogleheads, by contrast, has fantastic moderators, strict principles, and subject matter that attracts a potentially more respectful user base. Many of the stackexchange forums share these bogleheads qualities, yet employ excellent and phenomenally useful ratings mechanisms -- evidence that civiliz...

I am proud/ashamed to admit that other than Rick's and Mike's finance blogs, Bogleheads, Vanguard, and Morningstar, I don't use many other sources for finding data or reading articles (/"noise). I am trying to broaden my horizons. It seems like people on this forum, especially the veterans, are...

Vanguard got this fund right -- you don't want currency exposure in your bond portfolio under traditional approach to investing. Stocks are growth assets with high expected returns and high relative risk. Adding non-US stocks to a US portfolio provides a diversification benefit (different companies...

I finally came across Effective Diversification in a Three-Factor World . Highly recommended for anyone who hasn't read it yet (its short too). Let's assume that same [size & price premium] relationship will continue in the future. (Note that since size and price are risk factors, we do not know...

Make sure you understand the tax implications of investing in REITs. The legal structure and payout requirements for REITs are certainly something you should be familiar with before investing in them.

The boglehead wiki has a good section on Tax-Efficient Fund Placement that includes info on REITs

Currency risk seems to be a very significant consideration (and actually somewhat of a deterrent from what I gather) when investing in international bonds. I seem to have caught myself blindly accepting that international equity currency risk doesn't exist because I don't hear/read about it, and bec...

They look very new, and are offering a free membership until 2014, as they start adding more and more services and website features and presumably continue to build their adviser team. They are part of LPL Financial, which I also know nothing about, but according to this article , "NestWise wil...

Here is my question. How many people are going to get suckered into buying this stock or subscribing to this huckster $445 newsletter when he is paid by companies to write glowing recommendations? Unfortunately, probably hundreds if not thousands of people will take the bait. I'm not buyin' it. I'l...

Fund Name: Eat Your PEs

Long:
TJX Companies (TJX)
Take-Two (TTWO)

Short:
Best Buy (BBY)
Barnes & Noble, Inc. (BKS)

1526.13

I recently came across this article (note the two charts), and although I completely understand how past performance doesn't predict future returns, the concept of the small cap premium also makes sense to me. My time horizon for retirement is around 45 years. Perhaps I don't understand enough about...

Congratulations on your windfall dogpatch09. If you divide your windfall by about 10, our situations are eerily the same. I am just beginning to implement my investment plan now, months after making my first post on this forum about my own windfall. I have come to learn from the vast wisdom and expe...

$50 in hopes that this site is active for a long, long time!

You're a good man Mel

Thank you for the helpful responses. I do have a sufficient emergency fund with my bank (Ally). Based on the advice, I will cash out of my tech stocks to max my 401k this year, since cash will be a little tight without some stock sales. Once I receive the inheritance, I will put aside $5.5k for 2013...

OK, $5k each for 2011 and 2012? but how did you get to $11k?

$1k in growth

Sounds like I will just max out the 401k and call it a day.

Thanks again!

Thank you for your time and response Paul. What is this money invested in, and have you held for more than 12 months? My taxable is invested in tech stocks, with minimal gains/losses, all with long-term treatment at this point. How did you get 11k into a Roth IRA in one year? I funded $10k early thi...

From Bogleheads wiki on roth conversions: If your current marginal rate is lower than your expected retirement tax rate, you should convert in preference to any investment except a matched contribution to a retirement plan. If the rates are equal, max out your Roth contribution in preference to conv...

Barry Barnitz wrote:Hi tycoryj:

Please not that the index return figures in the table are not yield numbers, but rather total returns (yield plus capital change) returns for each calendar year.

regards,

Thank you for pointing out this blatant point . That makes much more sense

I apologize for my very limited understanding on the subject, I searched for TIPS on the forum and pretty much all of the discussions are beyond the scope of my understanding. I've read the TIPS section in the wiki, and most of it makes sense, but it doesn't get very detailed. The historical yields ...

Thanks for all the great responses so far. I believe I will just be inheriting cash only. The estate held a house for an enormous gain which it recently sold for all cash. The rest of the estate was a large sum of cash in a checking account. It sounds like I should just max out the 401k and Roth, an...

I am 24, and in the 25% tax bracket. For a couple years I have put the max $5k into a Roth, and around ~$10k both years into my company's 401(k), with no company match. I also just discovered that a Roth 401k is also offered at my company. My main question is about maximum contributions. Do the rule...

This question applies to other mutual funds/ETFs as much as target date retirement funds. It's my understanding that many target date retirement funds are designed to "work" well after the target date, and typically maintain whatever conservative allocation that existed at the target date....

I have been strongly considering getting into buying and reselling tickets to events, mainly concerts. The margins are ridiculously big and you can buy as many or as few as you want. Doesn't require a whole lot of time except for staying on top of tickets that are likely to sell out in a matter of ...

I have been strongly considering getting into buying and reselling tickets to events, mainly concerts. The margins are ridiculously big and you can buy as many or as few as you want. Doesn't require a whole lot of time except for staying on top of tickets that are likely to sell out in a matter of h...

During my more naive years (every year prior to about 10 months ago, as I have since read several books on the bogleheads reading list and frequent this forum often), I thought it would be cool to invest in a bunch of video game stocks, as I had read everywhere that the video game industry was growi...

I am aware that community property is a very state-specific subject (I live in CA), but I was hoping to clear some confusion about the relationship between inheritence and community property. It's my understanding that property earned/bought/owned prior to marriage stays "separate" as long...

These rental posts are practically taking over craigslist. The prices are always ridiculously low, and there is obviously a catch. What is it? (note: I want no part of this, I am just curious how these scammers make money)
Example: http://sfbay.craigslist.org/eby/apa/3139562457.html

I am not actually in any debt, but I have been hearing about these programs on radio commercials every since the economy tanked in 2008, and am really curious as to how they work. Surely the people who operate these programs are making lots of money and aren't just in it to help out your average joe...

I will be receiving somewhere around ~$150k in a few months, and am in the process of creating a plan I can stick to, and I am still a little confused about the "rules" to Vanguard mutual funds, in particular Admiral shares. I am only 24, no debt, no family obligations, 6 months emergency ...

Mark Ruffalo and Tom Morello launch "Robin Hood Tax" plan to outlaw Wall Street excess http://www.rawstory.com/rs/2012/06/19/mark-ruffalo-and-tom-morello-launch-robin-hood-tax-plan-to-outlaw-wall-street-excess/ Mark Ruffalo (yes, the Hulk!) and Tom Morello (Rage Against the Machine) have s...

What would you suggest doing to study? There are courses offered by Becker as well as buying books and studying on your own. Is one way better than the other? Are there online study guides for CPA exam as well? The general consensus at the CPA firm I work for is that materials are kind of secondary...

Also a big supporter of Wahl. Cutting your own hair when you keep is so short and only 1 length all the way around seems like a no-brainer. I wasted money for years going to a barber every 3 weeks. I bought the 27-piece Wahl 79524-1001 on Amazon a couple years ago and its been amazing.

This might be helpful. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=86433&newpost=1239761 I feel stupid for not having found this in the search engine. This topic has a whole world of discussion on the forum, I have plenty to read (including the books from the reading list). I am gl...

New to the forum, just finished Bogleheads and am about to attack the reading list I just found on this forum, lots of respect for the knowledge and advice you guys have to offer. I am 24, just starting my career as a CPA, and am in line to inherit around $150k in a 3-6 months (grandma recently pass...