Bogleheads.org

Do you want to sell? If you were to sell, what would you do with the equity? What your tenant wants to do is a "wraparound mortgage." Does your existing mortgage allow this or would it trigger a due-on-sale or acceleration clause? Why does your tenant want to do this? Does your tenant have...

I haven't had an issues purchasing from the apple refurbish store (mbp, ipad, etc).

WendyW wrote:Since the couple is asking for money, you should make it clear to them that you won't be offended when they immediately hock the coin for actual spendable cash.

Why would someone be offended if you spend the gift?

Have you checked out something like liveops.

traditional IRA is tax deferred.

abuss368 wrote:I am not sure if any Bogleheads would pay fees of 1% of assets.

How uncertain are you? I'm pretty sure Bogleheads wouldn't

Both Dave and Suze give good, level-headed advice on living below your means and about the dangers of debt. They provide good strategies and a roadmap for getting out from under seemingly overwhelming consumer debt & for many people, the advice is timely and pithy.

This was precisely the sort of "investing" exposure I got back during high school - trying to come out ahead during a single semester. The ideas of long-term investing, attention to costs, or diversification just weren't there. When I attended high school 20 years ago, this is exactly the...

I am aware of that. Just trying to give to OP some incentive. Don't be so negative. Negative about OP investing in securities at this stage in his life, yes. But I like to think that I'm steering him in the right direction. OP's wisest investment this year would be in a well-tailored dark-colored s...

I believe there are vendors on the internets that supply templates, but I've got a hard time understanding why your friend would want to skimp on paying $150 for a lawyer to help her, or to make alternative arrangements to have the closing documents faxed or couriered over to her location.

If I were you, I would continue to invest in your Roth and then invest the rest in taxable and ignore the 401k until your company implements matching or lower expense ratios are offered. Without a match, there isn't really a huge advantage to 401k. Sure you can defer your taxes, but it feels like t...

1)Just a priori, is it possible to have a one ounce silver coin that is real, yet weights 10 percent more???? Old US coins are 90% silver (so called junk silver), as pure silver is soft. However I would think a .999 pure ingot shouldn't be .900 pure. When I google the subject, I see no evidence of ...

Might be fake. Read here:

http://blog.oregonlive.com/breakingnews ... s_sen.html

I've often been warned about buying fake silver bullion (rounds and bars), but you can usually feel the difference in both how it weighs and also the heat absorbency in your hands. Do you have other bars to compare it against?

Paul, I think the situation is even worse. Defined Benefit (DB) plans are disappearing, and they cost employers about 15%. The 10-15% quoted above is (I believe) what employees should save in a Defined Contribution plan like a 401k in addition to a DB plan. If there is no DB plan, the savings perce...

He should file ASAP even if he can't pay the whole amount, he should send what he can until he's caught up.

I'm sure they'd be able to track who you worked with and use this as a training opportunity. You're not doing anyone any favors by venting on a public forum while not providing feedback to the people who can actually effect change.

Purchasing a home is usually less of a financial decision and more of a personal one. Why do you want to move? Do you have landlording experience? Do you want to be a landlord? I jumped into landlording and found that there's been a pretty steep learning curve. As far as the financial aspects go, is...

SurfCityBill wrote:The letter further stated that my donated vehicle has sold and the sales price did not exceed $500. Please retain this letter, as required by IRS regulations to claim a vehicle tax deduction.

I read that to mean that it sold for less than $500.

Thank you, elbowman. Why do people prefer balanced or value over growth funds?

The best advice you can give him is "start" -- the longer you delay the harder it is.

Start off saving $200 a month. He'd be able to save enough to buy Vanguard STAR in 5 months ($1000 minimum).

I'm new here and just coming onboard to the bogleheads philosophy. I am trying to decide which fund to buy for international. My two options are FDIKX Fidelity® Diversified International Fund - Class K: 1 Yr +19.61% 3 Yr +4.31% 5 Yr -3.83% 10 Yr +8.85% ER: 0.84% VTRIX Vanguard International Value Fu...

If you're trying to get the most net-money from the sale of the house, you'll want to appeal to the widest range of qualified buyers (including owner-occupant and investors) and I think most owner-occupants will not buy a house that comes with tenants.

Are you talking a few hundred dollars or a few hundred thousand dollars? For a few hundred bucks, you'd almost always lose whatever gains in trading fees. I'd sooner buy a few hundred bucks worth of lottery tickets. At least my kids could have some fun scratching them off.

Thanks for the replies everyone. I contact the university library and got access to some databases of technical journals. Now the key, after selecting one and getting approval, is getting a copy of one of the papers from the original paper's reference list. When I get there I'll try to google one o...

dbltrbl wrote:This is not a big deal. Suggestions about reference librarian are great too but you need to contact them on phone or in person.

Good Luck.

Most schools have one available via Instant Messenger, Chat, Email, Etc.

Check with your university's reference librarian who can orient you to all the journals that your university subscribes to. The reference librarian helps students with these requests all the time.

This is what I've done as well.

I guess you didn't read the article - the line where the administrator interviewed stated "we have a more informed consumer who will not take on debt to finance worthless degrees". Lobby all you want, demand must be there to absorb supply. There's no reference to financing worthless degre...

The millenials (ie baby boomer echo generation) are a large generation, nearly as large as the baby boomer generation itself. So, not only have there been more college-age students the past 10 years but a higher proportion of them are also attending college. Unfortunately for the universities, the ...

You don't invest in the stock market to make money. Work to make money. Anything you make in the market is bonus. IT is alot easier to work your butt off and make a lot of money and you really don't have to worry about how your investments do. ITs the old adage - not "only invest in the market...

What are all those ways you could have potentially grown the money? Maybe investing into another business/franchise or real estate. I rent right now and would prefer to own, although using the money in the stock market with the possibility of doubling it in 10 years seems more attractive to me. Usi...

This is probably my biggest fear: putting six-figures to "work" only to break even more than a decade later. I can handle a down year (or two) but an entire decade of bumps/ridges feels like a lifetime to me. During the tumultuous times, all I would be thinking of is others ways I could h...

My sweet spot "choice" has been the T-series Thinkpad 14" and MacBook Pro 13". I find the popular 15.6" laptops are far too bulky and awkward to transport easily.

So, if I'm understanding this correctly, the intended gift from the parents isn't 30k but rather it's "dread disease insurance." Your friend wants a delicate way of telling his parents that he would prefer to spend their money rather than let them choose how to spend it.

I refinanced several loans this year. Should I be getting a 1098 from each lender that I paid mortgage interest to?

I'm not even sure that the Lenovo's quality is still there. The Thinkpads seem to be okay but some of the Ideapads I've looked at were pretty shoddily made.

I had a talk with my sister and she said she knows exactly who to contact in HR for the information they needed. She's been working there for 10 years and knows the in and out on who to contact. She's angry because she's been asking the loan officer if they need anything from her for a month, but t...

cheese_breath wrote:I think the sweet spot would depend on what you want to use it for.

This ^^^

For me, the weight and size matter the most.

At my employer, all employment verification checks go through human resources.

Now for my last question. Should I just choose the most experienced real estate agent who gives me the most confidence they can sell condo at high price and not worry about negotiating commission down from 6% to, say, 5%? With the two babies, I definitely don't have the ability or time right now to...

A broker's primary job is to market the home. If you already have buyers lined up and are agreeable (you and all the other decisionmakers for the sale), then the only thing left is to find a real estate attorney to handle the transaction (this is probably the least complicated and least expensive op...

Have they asked you for help?

Are they in the US? Will they qualify for Social Security?

Really, the big question isn't what to invest in, but how much can they save?

Are there specific risks or just a generalized one?

I recently moved my roth ira from etrade to vanguard and noticed that after the money was moved, I had a zero balance for a few days, and now there are a few cents in my old Roth. I received what must have been a distribution from a sweep fund. Do I just leave it there at Etrade? Will they charge me...

crumbgrabber wrote:
I highly recommend the eBook "Paperless" if you have an iPad--the author has a lot of very useful suggestions if you're thinking of going paperless.

Who is the author of that ebook "paperless"?

Thanks. I've been using the demo of Acrobat Pro successfully for the last half-day and it looks like it'll meet my needs. $200 well spent.

eta : wow, pro is actually nearly $500. still probably worth it.

It seems like there are several people that use Adobe Acrobat - they sell a Standard and a Pro; is there real advantage to the Pro for my use (scanning searchable PDFs)? I think I will try to sort by date and company, but invariable will have some docs that are filed under miscellaneous. I'd like to...

I've been meaning to start going paperless (or at least have less paper) because I'm terribly unorganized. I have a scanner with a ADF but the software that came with the scanner seems to just do PDFs that are not searchable. What additional software do I need to create PDFs that are indexed and sea...

I just took advantage of the free offer. It's a good read.