Bogleheads.org

If it is only 3 years old and working, I'd donate to a charity or give to a friend/family member (but with no tech support strings attached).

5 years or older - e-cycle.

I read Malkiel's book - 10th edition. Did not overweight China. My reason? I couldn't follow the logic. Malkiel is a proponent of EMH, or at least the weak EMH. So if the market is efficient, why in China's case should one tilt because of what's not part of the market. It doesn't compute. The market...

Hi, I've recently moved to Australia for the long term with my US-based company. Paid in US dollars, with housing provided. Plan is to be here indefinitely, but minimum is two years. However, assume a return stateside is probable around ten years out. Had an IPS back in the states. 6 mo cash reserve...

Free to Choose, by Milton Friedman

Before I read anything, Rush was first that popped in my head.

From the looks of it, the buyer is looking for a sweet bargain deal. Don't take his offer. Make him sharpen his pencil. More work now to get additional offers will save the MIL executer time in the long run, especially considering his offer of seller financing. Only in rare circumstances, mostly for...

Please explain further the lack of investment choices in your 401(k). What are the choices? Is there a PCRA option? Are in-service withdrawals allowed?

You sure sound like an insurance agent. My guess is a paid industry promoter and not an agent looking for a direct sale. I have attended enough funerals to know how woefully underinsured most men are today. What do you say to a grieving widow in a receiving line when everyone is in or near tears an...

Quite frankly I'm surprised this thread isn't locked by now. I don't see why someone who would disagree with buying an expensive watch would enter this thread in the first - I guess it's to be judgmental, but I can only guess. This thread is a part of the community history. Reading it is a rite of ...

You should be aware that if you have existing deductible Traditional IRA dollars, then the taxes on the Roth conversion will be prorated between your deductible and non-deductible amounts in the Traditional IRA. As an example, assume you have $10,000 total deductible contributions and earnings and m...

My first thought in late 2008 / early 2009 and last August was actually a lack of confidence in my ability to call market peaks and troughs. Second thought that typically follows is a fear of the opportunity cost in even attempting this. In that regards, my fear actually kept me in the market. With ...

I think this thread must be some sort of rite of passage... I'll take a go. $50 / timex is too much. Mine was $20 and the best gift my wife ever gave me. Probably won't last as long as this thread though. A TIMEX lasts forever . REALLY, Who GAF, about anything except the time..not petro, or readers...

I think this thread must be some sort of rite of passage... I'll take a go.

$50 / timex is too much. Mine was $20 and the best gift my wife ever gave me. Probably won't last as long as this thread though.

I too will let folks know what the resolution is... probably will be a few weeks. Second the motion on the poll. Just following up... its one day short of being three weeks since my refund was ACH'd. Never did receive my paper I-bonds, nor an explanation from the IRS why they didn't come. "Whe...

Updated 4-9-12 @hand: I looked at IRS docs for rental prop capital loss. I am not planning to take more than 25k of losses eventually and as far as I could understand from IRS website, it is allowed. (Agreed that I don’t really understand this part very well). Even if I don’t get that capital loss ...

Updated 4-9-12 @hand: I looked at IRS docs for rental prop capital loss. I am not planning to take more than 25k of losses eventually and as far as I could understand from IRS website, it is allowed. (Agreed that I don’t really understand this part very well). Even if I don’t get that capital loss ...

These are your best choices. Inflation-Protected Bond-----Vanguard Inflation-Protected ------VIPIX-----0.07% Large Blend--------------------Vanguard Institutional Index Instl--VINIX-----0.04% Agreed those two are the best funds in the mix, but the OP should realize that using just these two funds w...

The past few years are likely to be different than the next few years. Be careful chasing performance, in the long run and on average its a proven loser (on average means roughly 80% of the time... not good odds so don't fool yourself if a fund gets lucky). High expense ratio makes it that much mor...

No need to apologize. Information like this could definately provide a light for someone else who later runs into the same situation.

The past few years are likely to be different than the next few years. Be careful chasing performance, in the long run and on average its a proven loser (on average means roughly 80% of the time... not good odds so don't fool yourself if a fund gets lucky). High expense ratio makes it that much more...

What's the magic mix? Let me get out my crystal ball. Seriously though, be careful with your projections as you mix nominal and real values with a growth rate of 6.5%. I wish I could assume a 6.5% real constant growth rate for the future. If I were to base a decision of investing in taxable before t...

Primary: 2005 Altima - 121k miles (just meets the threshold) - bought new for $16k
Secondary: 2000 BMW 323i - 156k miles - bought used for $2k

RIP: 1988 Camry - 365k miles

I bought EE for the first time last year when they were at 1.1%. Only after I had filled up contributions to all tax-advantaged accounts, I-Bonds, and additional to taxable accounts. I saw it as a transfer of some emergency funds from ING savings (0.9% at the time, 1-yr CDs also around 0.9%). Benef...

I bought EE for the first time last year when they were at 1.1%. Only after I had filled up contributions to all tax-advantaged accounts, I-Bonds, and additional to taxable accounts. I saw it as a transfer of some emergency funds from ING savings (0.9% at the time, 1-yr CDs also around 0.9%). Benefi...

30%, but I use I-bonds in place of TIPs right now.
Also, the poll doesn't have a 0% option, and a typo on what would be the 30% option.

Latest edition of Irrational Exuberance. Love the way Shiller thinks: rationally pessimistic.

PIMCO Total Return is the only actively managed fund I own. Its done very well for me. I have the institutional PTTRX, with a very slight discount on the expense ratio on top of that. If I didn't have access to that, I wouldn't own it and would go with the lower cost index fund instead. Yes, do keep...

Tax return and refund in whole dollars. Amount ACH'd to my account was the full amount (including the I Bonds amount) and didn't differ by a penny from the total I reported in the return.

Mike, did the IRS send a letter stating this as the reason for the adjusted refund? I filed Form 8888 for Series I bond purchase and just had the full refund amount ACH'd to my bank account today, including the amount that was allocated to the I Bonds. The refund amount didn't differ from the total ...

I too will let folks know what the resolution is... probably will be a few weeks. Second the motion on the poll.

I also purchased $5000 paper I-bonds via tax refund, and the rest to be direct deposited to my account. Today I received the direct deposit... for the full amount ($5000 + rest of refund)! I then checked http://www.irs.gov for Where's My Refund? and it said the following: "You requested that pa...

My CPA and I recently e-filed my federal tax returns. On Form 1040 I checked the box 74a that Form 8888 was attached. On Form 8888 I had $5000 as paper I-Bonds and had the remainder direct deposited to my bank account. I just double-checked and everything was in order. Today I received my full refun...