Bogleheads.org

If you're in a public company you have to follow SOX compliance (sarbanes oxley). Same as if your company does anything with credit card information, they have to follow PCI compliance standards. Not only changing your password every 90 days, but never email password information or credit card info....

upgrade to windows 8.1 they bring back the start icon and the classic feel you're used to.

Here in NYC weddings are pretty expensive I think average is around 30k + so its almost expected cash gifts to re-coop the cost per plate.

I would NEVER do banking on a shared wireless network. Somone can easily be on that network running wireshark on their laptop sniffing and capturing passwords very very easily. Secure SSL has no protection if the person sniffing the traffic is on the same side of the firewall as you. Its like having...

I was bored and browsing netflix and started watching these documentaries they are pretty much conspiracy theorists. They bring up a few points which are interesting and was wondering what your thoughts are and are some of these claims true. 1. The Federal reserve is privately owned (by J.P morgan, ...

No worries, your infomation is safe and the distuption is usually intermittent! Just makes you feel and warm and fuzzy that all your cash is safe :wink: I guess I don't think the definition of "usually intermittent" is equal to 4 days like last time this happend :annoyed lol yup, the comm...

Ok, this is starting to get a bit old, site loads half way and hangs, does not load at all. I assume its another DOS attack but who knows. Maybe they have to shut down half the servers to save energy to make the .02% interest payments. Last time it took 3 days to gain access again from the midwest....

A popular fundraising idea around here would to be a guest bartender at a bar. Bar owners usually love it because you bring them business and pack the bar and patrons love it cause they like to drink anyway.
If its successful you can do it a few times a month.

I also wouldnt rely on zillow for accurate value. I would look in the nieghborhood for similiar houses for sale and go by that value +/- their house conditions vs the one you're looking at. If you look at enough homes in a certain area, you will be able to judge the value better then zillow.

Thanks! What will I use the attorney for? Draft a contract offer? To make sure the contract is safe and in your best interest. For example, the sellers attorney drafted a contract and I had my attorney review it, he made some changes and added a few things like "no known incidents of bed bug i...

My wife and I are beginning to look for a new home. We have no urgency to buy, but have begun to look. We are only looking in an area of 2 or 3 miles due to a number of reasons, schools, work commute, family etc. We have being looking at homes that come up in the last couple weeks and have a couple...

We have switched the dividend payments to cash from reinvesting (so it is no longer technically a DRIP plan), so at least we aren't compounding (hahahah!) the issue. I don't think average basis is that hard. I was in a GE drip. I got statements every year. I owned a calculator. When I sold the whol...

Hi, so i've been reading about tax nightmares that DRIP can cause in a taxable account. Do I have to keep careful records? I always thought the brokerage would be able to provide all the necessary information at the time of the sale. In this case is it not worth to enroll in DRIP for taxable account...

Any car mechanic recommendations in the NYC area? Honest and price efficient mechanics are so hard to come by, I cant trust just going to a random one.
2000 Lexus

in mid 2012 I purchased a 2000 Lexus GS300 with 85k Miles. My best car experience and I'm sold on lexus for life (used though, new is way too much for my budget)

For my browsers I always go into the privacy tabs and make sure it never remembers any history and delete cookies, history and saved passwords.

The most valuable thing a realtor brings to the table IMO is putting the property on MLS listing.
MLS will drive a lot of traffic to your house than you can do yourself.
Not all realtors have access to MLS, its an expensive fee that they have to pay

Extended market and small cap index are very, very similar. Check out their charts. is it a common alternative to use Vexmx in replace of small cap index? I wanted to start a tilt as well, but would like to limit the amount of funds for easier managment. also what is the typical tilt range that peo...

HSBC online is very secure. To log in you use the typical user name and password, then they have a secondary password that you dont enter by key, but by a virtual keyboard on their website. And you dont fill in all the characters. Lets say the virtual screen password is 9 characters long, random spa...

Walmart.com is cheaper on many items than even Amazon, and their online ordering system + free shipping is almost as good. For many items, like Diapers for my son, I almost exclusively order from Walmart these days because of the price savings. Probably true, but a lot of people order from amazon b...

I think because of potential, they are taking out big box stores like best buy and growth hasn't peaked. Walmart should be afraid of them too, the good thing is walmart has food which people like to buy live, not digitally Or more likely there is probably a ton of short positions, so major instituti...

Nobody liked promethius?

ataloss wrote:Who makes the etrade security device? I have one of the old ones from RSA. RSA was hacked of course.

For Vanguard why not just turn on the trusted computer feature? Then a hacker needs to crack you password and steal your computer.

RSA is the current vendor that provides the device for etrade.

Hi,

I spoke to the loan officer and closing costs would be around $2400. That includes appraisal, app fee, attorney fee, title etc. So I guess it would be 24 months to recover closing costs. I had planned to rent the unit out whenever I planned to move.

Hi, I purchased a coop on aug of 2011 with a mtg rate of 4.65% 125k loan Now my balance is around 121k does it make sense to refi if it would reduce my cost around $100/month? I'm just thinking since i paid around 1.5 years of almost pure interest payments to the bank and to reset it back to 30 year...

I'm assuming its a quarterly so $399 x 4 quarters would be closer that "effective annual yield of 3%" your talking about.
check the other 3 quarterly statements from 2012 and in the end it should add up correctly

You should be setting target allocations to your asset categories and tracking the actual allocations every quarter or two (more often if you really want to). When allocations get off by more than your tolerance bands, you shift things within the IRAs to bring the overall portfolio back into balanc...

I’m not sure I’m interpreting what you’ve written correctly but if you are saying that the majority of your investing is going to the 403 and 100% of the 403 contributions are going into a single 500 index fund then [likely] your AA will fairly quickly be dominated by that 500 index fund. This is m...

Hi, My 403b only has 1 index fund and it follows the s&P 500 index (the rest are managed high fees). I will max out my 403b this year all into this one fund and use ROTH IRA to approximate TSM with VEXMX. I would use my rollover IRA account to balance Bonds, international market fund and REIT. M...

Hi,

I wanted to do 10% REIT in my portfolio like some suggest. I'm assuming the proper way to do this is 10% of the stock portion of my portfolio, not overall portfolio like how we would calculate total international stocks?

I have both a vanguard and etrade account. A month ago, my etrade account got hacked into, but their security is pretty good, so since there was a suspicious login from a different state, etrade asked 5 security questions and locked the account since they got the questions wrong. However they did m...

For all the E*TRADE guys and gals PLEASE if you are at all interested in protecting your money just go to the Customer Service tab at the top of the page and select - REQUEST A DIGITAL SECURITY ID TOKEN, its free! You will sleep better at night! fd Yup, I got a digital security token now. its great...

I might note that my Vanguard password is not very secure, because of their password requirements. . Yes, I have about a half dozen passwords that I am able to carry in my head. The most secure is an 8-digit random string of upper and lower case letters, but contains only one numeric digit. The nex...

I have both a vanguard and etrade account. A month ago, my etrade account got hacked into, but their security is pretty good, so since there was a suspicious login from a different state, etrade asked 5 security questions and locked the account since they got the questions wrong. However they did m...

Having done that, I then logged in and went to My Accounts->Account maintenance-> Security Profile/Computer Access Restrictions and selected the preference "Restrict unrecognized computers from accessing my account." Computers crash, browsers get updated, cookies get purged, and so on. Wh...

I have both a vanguard and etrade account. A month ago, my etrade account got hacked into, but their security is pretty good, so since there was a suspicious login from a different state, etrade asked 5 security questions and locked the account since they got the questions wrong. However they did ma...

Taylor Larimore wrote:Yes. The ticker symbol is VAIPX. However, the minimum investment is $50,000.

Best wishes.
Taylor

ohhhh... ok nm, i thought it was the typical 10k. Thanks for the info guys

does vanguard have admiral TIPS?
I was going to rebalance today and upgrade to admiral tips but i didnt see it on the list?
Thanks

do you have an option to build an extension on the current house?
some of my neighbors have built a 3rd floor and other neighbors extended the back of their house to almost double (but not extending the ground floor so they still have a decent yard, its on pillars. )

brak wrote:Thank you all for your thoughtful replies. Anyone care to summarize the findings?

LOL, there is no clear right or wrong answer. You're supposed to read every reply on the thread you started and formulate your own opinion based on the thoughts everyone has took time to express.

Good point. As insurance I'd say gold probably isn't volatile enough for 2% to give you a significant level of protection. Options, while not ideal for a variety of reasons are probably a better choice for that. Once again, I think you're caught in your small pond thinking. Your portfolio as you ha...

Why conveniently compare the last 5 years only? why not 100 years? Did gold perform as well as this? http://stockcharts.com/freecharts/historical/djia1900.html In that case, why conveniently compare the last 100 years only? Why not 2,000 years? How much are those shares in the Roman stock market wo...

This entire debate over cubes and farms and buying 16 Exxon Mobiles is silly and distracting from the main point. Here is a 5 year chart of the S&P 500 Index vs. the GLD ETF: http://tinyurl.com/8jgwncr Now can anyone on this forum see that chart and look at me with a straight face and say that ...

Hi, I have about 5k in cash that I would like to put into taxable TSM fund some time this year. should I keep it in my bank account until I'm ready or in prime money market even though this has an expense ratio of .20% blame me for trying to time the market, but I just feel that it is too high right...

I don't think his point is farmland or Exxon, but generally stocks over gold. I'm sure everyone has a reason to purchase or stay away from precious metals and at the end of the day a personal preference. He's using farmland and Exxon to "prove" his point and convince people that only look...

A century from now the 400 million acres of farmland will have produced staggering amounts of corn, wheat, cotton, and other crops - and will continue to produce that valuable bounty, whatever the currency may be. Exxon Mobil will probably have delivered trillions of dollars in dividends to its own...

If you can wait three months there will be great deals on laptops for Black Friday. i second the black friday notion, and I usually only willing to pay max $500 for a laptop. I would rather buy a $500 laptop now, and another $500 laptop in 2-3 years and sell the older laptop on ebay. the 2nd laptop...

download malwarebytes and boot into safemode (restart computer and press f8, choose safemode)
run malwarebytes and do a full scan. also create a new profile in windows and log into the new profile.

I put 40k as a down payment on an apartment last year. If you're paying rent, maybe an apartment would be a good alternative. Its still like a new toy, and potential returns.

Warren buffet shared his view on why gold is not a good investment. It definitely made sense to me and personally I will not invest in metals. "Today the world's gold stock is about 170,000 metric tons. If all of this gold were melded together, it would form a cube of about 68 feet per side. (P...