Bogleheads.org

At least for today.

Interesting theory on the accumulating watchers on a low auction. A combination of early bidding and sniping may be optimal. I typically only snipe to avoid price hunters that do not know what they really want to bid on an item and just want to "win". If there are no bids or very low bids ...

Sorry, I meant collision coverage (edited in OP). Collision is $151 and comprehensive is $26 for a 6 month duration. The 10% guideline is per year? Total collision + comprehensive is $354/yr.

I have a 2000 Honda Accord, and I am currently paying a little over $80/month in insurance. I am wondering if it is time for me to change the policy to remove *collision coverage. I do not like the idea of dropping that coverage, but I feel like I am paying too much for car insurance for an older ca...

Interesting question. How do you pay less for your medication at Walgreens without insurance?

^ nice.

I used to get tires at Costco, but I found it is not worth it, and I just recently bought them from America's Tire. The service at Costco is terrible and I always dreaded going to get my tires rotated since it took a very long time (few hours) and required advanced planning. I heard the rotation lin...

This certainly causes me some psychological warfare. I really hate that the market has run up like it has in 2013 right now because last week I maxed my 2012 Roths, my 2012 HSA, and my 2012 ESA. I felt a lot better lump summing in prior years. In 20 years from now it won't make any difference. I se...

Another reason to do this: Using an experienced 3rd party removes you from all responsibility. "Never do business with friends or relatives, as you will lose your friends and you can't get rid of your relatives." If things go wrong, you will get blamed. It doesn't matter what caused it, o...

Agreed. Congrats to the OP, that is a very impressive accomplishment. I think this thread is an indication of the problems within the medical industry, where this is a difficult decision because of the money involved in general. As someone who unfortunately has had to deal with doctors more than I h...

I am hearing about real estate being hot as well in northern CA from family and colleagues. Dozens of offers and $900+k on fixer-uppers. I do not understand how the market prices remained relatively high during the past 5 years. It is frustrating since I ideally would like to own my own home, but th...

Cut-Throat wrote:I like the Strange Denominations like this $3 Gold Coin.

Nice. What is the approx. value of such a coin?

Can you TLH bitcoins?

KyleAAA wrote:Bitcoins dropped 60% today. Probably a good thing you didn't buy any.

It is back up again as of this writing, just a really bad day. I thought we are supposed to ignore the noise. Stay the course.

Good point. I was also thinking the development of the dollar was probably very fluid and organic and any number of activities could have simultaneously encouraged it spread and use, no matter what was the official "intent" of creating the currency.

I never received an allowance or money for grades, so those concepts seem odd to me. I am not sure of the pros/cons of using money as an incentive for youth and the impact of their attitude toward work and being productive, however, I do not see it as being necessary. I think kids learn through obse...

Cryptocurrencies are an interesting phenomenon, which I read people try to compare to other fads in the past and I feel that most of the analogies are strained or do not apply. For certain it is a relatively new "financial instrument" that is not well understood. There are also many "...

I do not understand why people get "snobby" about certain types of assets. Given a long enough timeline, any investment could end up being junk in the end. I am interested in gold, but it seems to still be over-hyped and in a bubble, but unfortunately so do other major investment instrumen...

Thanks to everyone else who tried to answer my question. This is not a thread about bitcoin mining strategies... I think we are trying to understand what a bitcoin is since the thread title is "Bitcoins Purpose in a Portfolio". But then again, if you titled it "Please console me abou...

Interesting, which pool is he participating in and what kind of GPU is he using?

Do you have an allocation to dollars, yen, and euros? What about pounds, yuan, and Botswana pula's? What makes the bitcoin currency more appealing to you than these? Yes, mainly cash in USD is a significant portion of my portfolio. I have a very small amount in Euros. I also have 100 Trillion Zimba...

I took a brief look at a bitcoin oriented forum in their speculation area. It sounds pretty wild. Are there people really buying whatever amounts they can, and essentially going all-in? In general, if you were to include something *like* bitcoins in a portfolio, I don't know what it could be compare...

What is the best way to create and store a wallet? How do you report earnings in the future for taxes? It seems like we are overdue for somebody to create an ETF that takes care of all the hard work for us. I would invest in bitcoins if it was as easy as buying stocks. I was thinking the same thing....

Where is a good place you have bought or are planning to buy bitcoins? I might buy one since it seems better than a lottery ticket. Or perhaps I should consider it as part of my AA and put a percentage in and hold for the long-run.

Maybe we should start a mining pool. :D I only heard about it recently, and am obviously way late to the party. It is pretty fascinating what is happening with that currency. Currency is just a concept that enough people believe in and this one is gaining traction. Maybe it is good for the world to ...

Assumer should focus on his education and not someone else's finances. His mother is an adult and may have made some bad decisions in life. She should try to get her debt negotiated with some professional representation to avoid BK and try to minimize any current sense of urgency. Once the OP actual...

Wow, what kind of expenses are you incurring for the company? At that level, it seems the company should be handling the charges on their accounts. Constantly charging high amounts on personal accounts for the company seems unfair and unproductive, is it common practice?

I personally would not believe in internal company hype to the extent of risking current cash for potential future gain. Owing more tax due to a big windfall sounds like a good position to be in. Being so tax adverse to even be thinking about this seems to be going too far in the thought process.

Looks like morningstar.com. A tip: check to see if your local library has remote access for full analysis reports (not required for charts).

It looks like the insurance company will be able handle most of the issues involving the car. There is also a funeral benefit where they help pay for up to $3K in expenses for his policy... I thought I would mention it so someone searching can know about it. Thanks for all the help and support. I ma...

*edit - extra info not really relevant anymore

I was informed today that my dad died yesterday while driving a leased car, and it was towed from the scene and currently in storage at the towing company. We do not want anything to do with the vehicle. I am wondering what we should do (children (us) are next of kin). Should we leave it at the tow ...

This question reminded me of reading recently about pets.com and its weak IPO as an example of one of the multiple triggers for the 2000 crash. By 2007 the shadow banking system was making 75% of the loans in the US. And just like any unregulated banking system which therefore lacks deposit protecti...

Yes if I was an investor in the 80's I would agree that movements now are a "blip". However, if you started investing in the 2000's you would have a different perspective on the market. The overall historical market trend is upward, but in the last ~decade there have been major swings. In ...

I have been somewhat following this thread, so I apologize if this has been covered before, but a question comes in my mind, since I recently realized I have way too much of my money in cash... Isn't going all-in on a market high a form of market timing driven by the subconscious? Why did the OP wai...

A few years ago, I opened a bank account in Spain (Deutsche Bank), sort of on a whim, but with some reasons, such as a possible EU/US citizenship in the future, land inheritance in the future, and I like to travel to Europe. I recently got a statement saying my average yield is 4.9% for the savings ...

Awesome Google Docs suggestion for automatic price updates, thanks!

http://support.google.com/drive/bin/ans ... wer=155178

I spoke with TD Ameritrade and they said they would cover the fee if I send in a request for them to reimburse the fee after the transfer is completed. It looks like later, I have the option to do a free partial transfer for the Vanguard ETFs if I feel like I want to have the funds at Vanguard. I wi...

Thanks for the link, some good info there... I also have accounts at TD Ameritrade and Vanguard (edited initial post). TD Ameritrade offers free trades for the Vanguard ETFs I am holding, so that could be an option, but I do not see an offer for reimbursement, and I already have an account there, so...

Vanguard could be one option, however, I would probably get hit with a $50 account closing fee by TradeKing... I am wondering if there is another option.

A few years ago I bought several Vanguard ETFs through free trades at a brokerage that offered 10 free trades and the brokerage subsequently got bought by TradeKing. What would be the best way to move these ETFs to avoid account closing fees and capital gains? I would like to add to these positions ...

I am going to do a rollover of a Fidelity 401k to a Vanguard IRA somewhat soon. I think you can specify that the check go directly to Vanguard and what to invest in when the funds hit the account. Maybe TD also can do this to at least cut-down the delay a little bit. I plan on doing an immediate sid...

Hello, I am trying to figure out what to do regarding contributing to an IRA for the year 2012. I am in the situation where I was covered by an employer sponsored 401K account for most of the year and my income is in the range where only about $500 (according to TurboTax) is tax deductible for a tra...