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Re: November 1 2014 I Bond Inflation Component

I Bond Earnings Rate of 1.48% includes a Fixed Rate of 0.00% The earnings rate for Series I Savings Bonds is a combination of a fixed rate, which applies for the life of the bond, and the semiannual inflation rate. The 1.48% earnings rate for I bonds bought from November 2014 through April 2015 app...
by dyeusdi
Mon Nov 03, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: November 1 2014 I Bond Inflation Component
Replies: 28
Views: 4314

Re: Cheapest way to own and operate a car

I love that this is currently listed right under the Tesla S thread on the home page.
by dyeusdi
Tue Oct 22, 2013 6:54 am
 
Forum: Personal Consumer Issues
Topic: Cheapest way to own and operate a car
Replies: 18
Views: 2243

Re: Apparently I am slow [Lump sum investing]

I think not. The general advice is to decide your AA and invest accordingly. You're right in that I should not be so general. I also cringe whenever someone speaks for all Bogleheads --we are a diverse community. The specific advice I refer to is from the Windfall page and related section of the Bo...
by dyeusdi
Sun Sep 22, 2013 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Apparently I am slow [Lump sum investing]
Replies: 65
Views: 5018

Re: Apparently I am slow [Lump sum investing]

Lets try some reframing: The general windfall advice from this board is to put it somewhere safe for 6 months and not touch it. I assume this means bonds or cash. This is, of course, a behavioral strategy. It also immediately changes your asset allocation towards reduced risk. There's no such thing ...
by dyeusdi
Sun Sep 22, 2013 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Apparently I am slow [Lump sum investing]
Replies: 65
Views: 5018

Re: Anyone have experience with Harvard Extension school?

if you are really motivated to learn- take a class on Coursera, free and 100% better quality. Harvard Extension school is a joke No need to be a troll --it's about the piece of paper. For a BA at least, Harvard Extension is accredited, affordable, and quality. These values are completely in line wi...
by dyeusdi
Sun Sep 08, 2013 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Harvard Extension school?
Replies: 22
Views: 2483

Re: Boston this weekend

Voting up some of the previous responses: The Isabella Stewart Gardner museum is one of my favorite places in the city. It and the MFA make a good pairing as they are completely different in atmosphere and presentation. The Atheneum might be interesting too, but I've never actually gone as it's only...
by dyeusdi
Fri Sep 06, 2013 6:52 am
 
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 1948

Re: Google Chromecast Streaming HDMI Media Player

Got mine over the weekend. Very easy and quick to set up at home. Random thoughts: - Watched a ton of YouTube due to the extreme ease of queuing/browsing during playback, using a iPad mini. Might set this up, in a side room, for social viewing during my next party. - No wired LAN support, so quality...
by dyeusdi
Mon Aug 05, 2013 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7998

Re: Anyone have experience with Harvard Extension school?

I don't know about the accounting classes, but Harvard Extension is generally low cost and high quality. It is much better than community college. Of the 4 classes I've taken there, 3 have been taught by Harvard faculty. Michael Haselkorn, a Bentley professor, is teaching a section and seems to get...
by dyeusdi
Sat Jul 27, 2013 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Harvard Extension school?
Replies: 22
Views: 2483

Re: At Cost Cafe Home delivery

Reminder for Boston folks, the At-Cost Cafe truck will be in town starting tomorrow morning for a few days. Edit: At 26Ā¢,I think this qualifies as a Personal Finance post :beer. You can find it at the Government Center Station until Thursday, 6/27. https://www.evernote.com/shard/s169/sh/cc545408-f0f...
by dyeusdi
Mon Jun 24, 2013 3:19 pm
 
Forum: Personal Consumer Issues
Topic: At Cost Cafe Home delivery
Replies: 23
Views: 1893

Re: Buy Nexus 4? Or wait for Nexus 5?

re: sim cutting, post-iphone-life I'm still on my iPhone 2 unlimited plan after all this time, even though I recently upgrade my Galaxy Nexus to the Nexus 4. Was able to walk into an AT&T store and replace my original SIM with a micro SIM, free of charge. Happy with the new phone, better resolut...
by dyeusdi
Thu Jun 20, 2013 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Buy Nexus 4? Or wait for Nexus 5?
Replies: 54
Views: 5931

Re: Jargon help for a BH noob - results/strategy

I interpret as you did. Akin to my real life experience:

> CEO (company meeting): Our strategy is to be profitable.
> Me (aside): That's a goal, not a strategy.

He proceeded to motivate the programmer geeks with sports metaphors.
by dyeusdi
Thu Jun 06, 2013 7:14 am
 
Forum: Investing - Theory, News & General
Topic: Jargon help for a BH noob - results/strategy
Replies: 12
Views: 747

Re: Brand New to Investing- Lost

re: tax-advantaged I wouldn't stress too much about the differences in tax-advantaged spaces. For simplicity, if you assume your tax bracket will be the same in retirement, then money in a 401k and money in a Roth are exactly the same. They grow at the same rate if you give them the same allocation,...
by dyeusdi
Wed May 01, 2013 6:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3310

Re: IT Professionals - Applying For Job Without Requested Sk

Am I wasting the employer's time (or my own) by even applying for this position? If they entertain my application, am I setting myself for an awkward or embarrassing interview? I am fully confident in my ability to learn and excel at PHP, but would that confidence mean anything to an employer? A wa...
by dyeusdi
Mon Apr 01, 2013 6:42 am
 
Forum: Personal Finance (Not Investing)
Topic: IT Professionals - Applying For Job Without Requested Skills
Replies: 34
Views: 2332

Re: What asset classes to put in a Roth?

If all other things like tax rates are equal it doen't matter. You may pay more in taxes with the higher asset in the tIRA but the after tax return is the same. Minimizng taxes is the wrong way to look at the question. The important thing is after tax returns. OK - thanks to the posts below, now I ...
by dyeusdi
Tue Mar 19, 2013 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: What asset classes to put in a Roth?
Replies: 61
Views: 4754

Re: Why do people care about the Dow?

Speaking of timely, NPR's Planet Money radio show takes a good dig at the Average, for many of the aforementioned reasons. No transcript yet, but the podcast is available for listen. http://www.npr.org/blogs/money/2013/03/12/174139347/episode-443-dont-believe-the-hype And even if it does hit a real,...
by dyeusdi
Wed Mar 13, 2013 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why do people care about the Dow?
Replies: 50
Views: 3633

Re: Ibonds as Emergency Fund AND Bond allocation

papito23 wrote:FWIW I am in my late 20s and am moving my 90/10 port to a 100% stock Roth with an iBond complement. If I'm in a bind, I'll use iBonds first, then replenish them first when I'm ready to contribute again.


If the value of the Roth fell dramatically -- would you rebalance by buying stocks in taxable?
by dyeusdi
Sat Feb 02, 2013 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ibonds as Emergency Fund and Bond allocation
Replies: 29
Views: 3052

Re: What's the ratio of retired/not retired on this forum?

Speaking as a two-year lurker: Mid thirties, underwater due to a separation, new to financial planning, and now afloat again. I am extremely grateful for the abundance of approachable information on this forum, and the generous people who contribute and maintain it. The experiences shared here from ...
by dyeusdi
Fri Feb 01, 2013 7:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What's the ratio of retired/not retired on this forum?
Replies: 41
Views: 3705

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