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Re: What do you splurge on?

VictoriaF wrote:If time is money, I splurge my time on the Bogleheads Forum.

Victoria

+1 !
by newbogleb
Mon Dec 15, 2014 1:18 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 22815

Re: roth IRA conversion q

Thank you!
by newbogleb
Mon Dec 15, 2014 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: roth IRA conversion q
Replies: 2
Views: 536

Bonds and Beta

My understanding of Beta is a measurement of volatility and difference from the stock market. I was taught that the more volatile a financial instrument is (risky) went alongside with the potential for a higher reward. So I'm a bit confused about the following statistics when I was comparing some of...
by newbogleb
Wed Dec 10, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds and Beta
Replies: 2
Views: 258

roth IRA conversion q

Suppose one contributed the max to one's roth IRA, $5,500. Then one learned that next year one would get a raise of a similar amount. One would also like to convert a tiny traditional ira to a roth ira 50. Can one un-contribute the difference to one's ira? Do conversions from traditional to roth cou...
by newbogleb
Wed Dec 03, 2014 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: roth IRA conversion q
Replies: 2
Views: 536

Re: What doyou splurge on?

saladdin wrote:H & B.


What's H&B?
by newbogleb
Sun Nov 23, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 22815

Re: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rat

This is where I ask: So to save [$0.00 to $0.396]* on my taxes I should spend $1 in interest? Are you a loan officer in disguise? :D Yes, I know mortgages are cheap. I know living in apartments in *horrible.* But seriously, please enlighten me. Isn't this more of a lifestyle choice some people like ...
by newbogleb
Thu Oct 09, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 9847

Re: tired of zero hedge, got an alt news site?

Thank you. I just finished reading a collection of 30's New Yorker strips.
by newbogleb
Mon Oct 06, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: tired of zero hedge, got an alt news site?
Replies: 34
Views: 3294

tired of zero hedge, got an alt news site?

What news sites aside from the traditional gamut of nbc/abc/cbs/ local paper/ npr slightly more financed focus (cnbc), permabear (zerohedge) do you folks look at? One person suggested worldnetdaily, but i wondered about others. I'm just tired of gloom and doom on zerohedge or going to the "news...
by newbogleb
Sun Oct 05, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: tired of zero hedge, got an alt news site?
Replies: 34
Views: 3294

Re: Are 20 somethings handicapped bc of inflation and little

For every $1 of Social Security tax paid this year, the benefit that will be paid in the future is $0.75. Source: social security report sent to me a few years ago. You might want to refresh your memory. That is not what the social security report said at all. What did it say? I'll grant you, it wa...
by newbogleb
Sun Mar 09, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10772

Re: Are 20 somethings handicapped bc of inflation and little

Life "today" always feels harder than "yesterday". Just consider yourself lucky that you weren't born in a time where the draft existed. If the biggest problem you face in life is a delayed retirement, you are doing well. Save 20% of your income into a reasonable asset allocatio...
by newbogleb
Wed Feb 26, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10772

Re: Inflation question

I'd like to *bump* this thread because I think the last poster asked a good question that I do not know the answer to. The other reason I'd like it answered is because I went on a tour of one of the gov't printing offices, and the tour guide admitted how much currency was being eliminated each month...
by newbogleb
Wed Feb 26, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Inflation question
Replies: 30
Views: 2719

Re:

From... The Cross-Section of Expected Stock Returns: A Tenth Anniversary Reflection(6/02) Ten years ago this month, Eugene Fama and Kenneth French fired the shot heard ’round the world. Its echoes still plainly reverberate today in boardrooms and trading floors. And although most investors are unaw...
by newbogleb
Mon Feb 17, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: CEO of DFA moving to Austin, Texas
Replies: 55
Views: 16457

Re: What to do in Austin, TX

1. Do you get a nice souvenir on the tour the Collings plant? Do they let you strum a guitar or give lessons/coupons? 2. Is part of the Austin river shaped into a lake which is why they call it lake Austin? Really :confused Is there a Ladybird lake? 3. What makes visiting the John Mueller Meat Co so...
by newbogleb
Mon Feb 17, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: What to do in Austin, TX
Replies: 44
Views: 3983

Re: roth ira in foreign stock fund

thank you again!
by newbogleb
Sun Feb 09, 2014 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira in foreign stock fund
Replies: 6
Views: 316

Re: roth ira in foreign stock fund

That's what I thought, but thank you for confirming!

Would it be wiser for me to move the roth ira into a domestic fund and put taxable money or a traditional ira into the foreign fund?
by newbogleb
Sun Feb 09, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira in foreign stock fund
Replies: 6
Views: 316

roth ira in foreign stock fund

If I have a roth ira that is invested (partly) in a foreign stock mutual fund, would I get to have a credit for paying foreign income taxes?
by newbogleb
Sun Feb 09, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira in foreign stock fund
Replies: 6
Views: 316

Re: house & community property state questions

Couple live/marry in AZ, buy house in AZ (House 2). House 1 in Maryland. Houses were not put on trailers, but left in the original spot of purchase (land) because a local in maryland wanted to rent the house. Income to pay mortgage comes from salary earned in AZ for both houses. I find it hard to be...
by newbogleb
Fri Jan 24, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: house & community property state questions
Replies: 3
Views: 438

Re: 100% Equities until age 55-58

Gekko wrote: "Dear Future Self - .... Good luck - Your Past Self" Dear Self: When I lose money I'm sad. :? When the price of stocks/bonds go up I'm sad too because I have to spend more $ to buy the same amount of shares as the day earlier. :oops: If only I was like Mark Twain who was able...
by newbogleb
Thu Jan 23, 2014 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: (UPDATE: Scratch This Plan) 100% Equities until age 55-ish
Replies: 106
Views: 7023

house & community property state questions

I apologize if this has been asked elsewhere. Suppose male person 1 gets a mortgage on a house in a non-community property state. It is only titled in his name. Later he gets married to female person 2 in a community property state. q 1) husband dies before mortgage is paid off. Does wife owe anythi...
by newbogleb
Wed Jan 22, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: house & community property state questions
Replies: 3
Views: 438

Re: International REITs anyone?

two key points.....and lose FTC (roughly 10% of div yield).So have to decide how much you think diversification is worth.


What is meant by lose FTC (roughly 10% of div yield)?
by newbogleb
Wed Jan 22, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: International REITs anyone?
Replies: 55
Views: 8642

Re: Where to put emergency funds?

Suppose one has an IRA for 4 years at bank/brokerage company A. Then they decide to move it all to bank/brokerage company B. Can the person withdraw from company B after 1 year, or after 5 years? Lets assume person is 60 years old when contemplating the withdrawal. They were slow to discover the wis...
by newbogleb
Wed Jan 22, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put emergency funds?
Replies: 29
Views: 2095

Re: Cell Phones and Service Plans

Is there a list somewhere of the number of times these companies pull one's credit? I noticed mine was pulled more than once while having service and thus do not like AT&T as much. By the way I was current on all bills.
by newbogleb
Sat Jan 11, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell Phones and Service Plans
Replies: 1
Views: 462

Re: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep

How about retired contractors / civilians too? Do you think the NCUA would try to get them in hot water if they tried that? Yes, i know the link is from a year old and the rate is not current anymore.
by newbogleb
Fri Jan 10, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep 23
Replies: 30
Views: 3666

Re: VTSMX or VFINX?

Thank you Taylor. I had never thought of doing that. I clearly need to log into this site more often.
by newbogleb
Fri Jan 10, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX or VFINX?
Replies: 22
Views: 3364

Re: How low to go on selling a rental property?

If you got a range of 50-60K difference from those sources below, how would you feel about the house? Let's assume it really was the cheapest house on the block. By the way, I appreciate knowing about some other sites to determine house value. Clearly_Irrational » Wed Jan 08, 2014 1:55 pm If you wan...
by newbogleb
Thu Jan 09, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How low to go on selling a rental property?
Replies: 33
Views: 2447

Re: Notary made me raise my right hand and swear...

Watty » Fri Nov 22, 2013 11:34 pm
It was a few years ago when I needed it but my AAA office will notarize things for free for members.


Which AAA office are you near and Is that true for all AAA offices? I haven't been a AAA member in a while.
by newbogleb
Fri Nov 22, 2013 11:43 pm
 
Forum: Personal Consumer Issues
Topic: Notary made me raise my right hand and swear...
Replies: 14
Views: 2727

Re: Asset protection and annuities/life insurance?

Does anyone have any personal experience with the lawyers listed on this page? Feel free to PM me.
by newbogleb
Tue Oct 22, 2013 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Asset protection and annuities/life insurance?
Replies: 4
Views: 1500

Re: Want income but preserve capital

Is there a median time that Non-trade REIT's wait until they go public? I can afford to wait a while, I just need to know for my A.A. Re: Want income but preserve capital by PacNorWest » Thu Oct 17, 2013 5:17 pm I'm not sure that this online forum is the best place to obtain ALL the information that...
by newbogleb
Thu Oct 17, 2013 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want income but preserve capital
Replies: 40
Views: 3266

Re: Early payoff of the mortgage

I have a similar question.... Suppose one has a rental property that one owes a mortgage on (4%). One is living in a rental due to work in a different area. Assuming no other debt exists and one doesn't mind investing in the market based on their A.A. is there any particular benefit in paying off th...
by newbogleb
Wed Sep 25, 2013 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early payoff of the mortgage
Replies: 22
Views: 1856

Re: Choice Of Weapon For Personal Home Self Defense

by Professor Emeritus We built our house with multiple layer internal protection. We have full solid exterior doors and hardware on the only door to the upstairs. Our bedroom and the children's bedroom all have solid reinforced doors with exterior hardware. Do you mean locks for hardware? The only ...
by newbogleb
Sun Aug 25, 2013 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 6533

Re: VTSMX or VFINX?

livesoft » Sun Aug 18, 2013 4:26 pm I prefer VTSMX because it has more stocks, large, mid, small. But I don't own any shares of it. <snip> 2. I had to sell Vanguard Total Stock Market Index fund when it lost money and I wanted to tax-loss harvest it. I had to buy something else for replacement shar...
by newbogleb
Sat Aug 24, 2013 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX or VFINX?
Replies: 22
Views: 3364

Re: Paying for second home with cash prior to marriage...

This post is intended to be entirely without sarcasm. Is it possible to write a prenup that says approximately: Both parties to this agreement waive all future right to sue for divorce because their values require that marriage is a life time commitment. Both parties understand that there will be ar...
by newbogleb
Fri Aug 23, 2013 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for second home with cash prior to marriage...
Replies: 39
Views: 3057

Re: math for buying a house?

Thank you all. I went from renting to owning to renting,and possibly will own again all because of work. Before I go back I wanted some advice about doing it more prudently and not just owning for the sake of owning. One other question. When saving up for the down payment, it's best to have it separ...
by newbogleb
Fri Aug 23, 2013 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: math for buying a house?
Replies: 15
Views: 1601

math for buying a house?

Suppose the house is $100,000; one has saved up 20k put 20% down. The expected mortgage payment is about $100 less than current rental payments. To justify buying the house one should live in it for 16-17 years before one breaks even? $20,000 / 1200 = 16.67 (100 $ / month savings * 12 months/ year)....
by newbogleb
Fri Aug 23, 2013 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: math for buying a house?
Replies: 15
Views: 1601

Euro currency question

I was wondering why the USD ($) buys less when converted into a Euro? I expected with all the Euro meltdown rumors, and "haircuts" that 1 USD would be more valuable than 1 euro or am I reading the currency converters wrong? I guess its just proof that much of the finance news is just noise...
by newbogleb
Sun Aug 04, 2013 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Euro currency question
Replies: 13
Views: 693

Tax question ( w2 vs 1099 )

Are 1099 contractors required to pay income tax to the government on a quarterly basis like some companies or does one just pay one's taxes on April 15 each year?
by newbogleb
Mon Jul 22, 2013 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question ( w2 vs 1099 )
Replies: 9
Views: 638

Asset protection and annuities/life insurance?

Having read the wiki about Asset protection and some posts about annuities/life insurance I was a bit confused. * To take an example from a wiki: suppose I hire someone to help me garden, and they get injured. Then I get sued. The amount exceeds my home owners/umbrella insurance policies. It's not c...
by newbogleb
Tue Jul 16, 2013 5:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Asset protection and annuities/life insurance?
Replies: 4
Views: 1500

Re: International investing / tax question

Thank you for the reply & directing me to the IRS form!
by newbogleb
Sun Jul 07, 2013 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: International investing / tax question
Replies: 2
Views: 244

Re: Selling Treasuries?

I don't have them yet. I was going to purchase some to have a better mix of bond/stocks. I was also thinking about putting some of my emergency fund in it.
by newbogleb
Sun Jul 07, 2013 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling Treasuries?
Replies: 11
Views: 802

International investing / tax question

Correct me if I'm wrong about this I don't know much about investing and I didn't see it explained in the wiki. If I were to buy shares in a foreign company that pays dividends (somehow through a broker maybe???), that company has to pay taxes on its dividend. Then I get credit when I file my taxes ...
by newbogleb
Sat Jul 06, 2013 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: International investing / tax question
Replies: 2
Views: 244

Re: Selling Treasuries?

Ok, I'll have to use a brokerage account then. thank you.
by newbogleb
Sat Jul 06, 2013 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling Treasuries?
Replies: 11
Views: 802

Selling Treasuries?

How quick can one sell Treasury Bills? I read how one has to print out a form and bring it to a bank or a broker.
by newbogleb
Sat Jul 06, 2013 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling Treasuries?
Replies: 11
Views: 802

ira tax loss harvesting?

My apologies if these are dumb questions. Say one owns 2 individual stocks in an IRA. After a certain time one has lost value & the other stock gained value. One can then do the tax loss harvesting by selling both? Or if one only wants to sell the loser can one use that to lower the amount of ta...
by newbogleb
Sun Jun 23, 2013 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: ira tax loss harvesting?
Replies: 2
Views: 183

Re: 401(k) rollover question

Thank you!
by newbogleb
Sun Jun 23, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) rollover question
Replies: 4
Views: 301

401(k) rollover question

Say a person has 10,000 in a 401(k) and is laid off. If the worker wants to convert it into an IRA can the worker only convert the 5,500/6,500 into an IRA, and just hope that the plan administrator won't be angry by a partial roll over? I guess plan B is to just leave it with the plan and make the r...
by newbogleb
Sun Jun 23, 2013 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) rollover question
Replies: 4
Views: 301

Re: Buying an "investment" condo II

Thanks for the tips!
by newbogleb
Sun Jun 23, 2013 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying an "investment" condo II
Replies: 6
Views: 967

Re: Long term buy/hold investing choices

Sorry for the delayed reply, but I just want to thank you for your advice.
by newbogleb
Sun Jun 23, 2013 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Long term buy/hold investing choices
Replies: 2
Views: 412

Buying an "investment" condo II

I'm a dif person than the one who used a similar title. After reading it I thought I'd ask the oracle of delphi for wisdom. Financial facts about me: 6 month ER funds putting 401k, IRA, etc making 100,000 debt being a $350 car payments and occasionally the difference between the $1200 mortgage on wh...
by newbogleb
Sat Mar 02, 2013 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying an "investment" condo II
Replies: 6
Views: 967
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