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Easy way is when you are in the account , it will show a tab called: Year To Date Change

There is a "Your Contributions" field in that

beachplum, I agree, in general downtown universities in Boston/Cambride/in west coast LA(USC)/Portland, it is expensive to live outside. Most other colleges have this opportunity of cheaper places outside or a 10 min public commute. The difference between 1 bed/ 2 bed/3bed in apartment complexes was...

I finished college 3 years ago and 2 more cousins making their way. Just a couple of thoughts on college costs 1) Living a block outside the college and not in dorms - saves a lot of money. This is straight forward 30-40% expenses saved. Besides one get to deal with landlords, managing utility bills...

California considers capital gains as regular taxed income but supports tax losses and carry forward from what I was reading. At 25% federal, 9.3% state that's a straight 1029$ savings. I plan to TLH if loss > 600$. I figured the benefit must greater than twice of what Turbo tax charges to be worth ...

Thank you, grabiner and randomwalker for the examples. TLH is indeed great usage with plenty of tax quirks.

I am learning more now on TLH and have a few questions to above discussion Are TLH benefits very small for accumulators since the cost basis losses are high only on the year/before it got contributed? Out of experience how many years of contributions you made had their cost basis went red during 200...

I was 23 year old, not a wise sage as above but early lesson of life :happy 1) Cannot win stock market: Got a gift of 10K from grandpa to help with school(had 30k school loans). Invested, bought everything on CNBC. 10K->25k->8k->10K sold and paid off loans. Best chickened out decision. Found boglehe...

Age: 27

50 % TSM
30% Total international
20% 5 yr treasury

30% at 27. Investments are set . Time to attack my discretionary spending

How does banks like bofa/chase etc who offer next to 0.01% on savings/CD's attract investors? I always thought for a bank to make profit, they have to attract deposits and loan at higher rates to make money...or atleast how they used to be 20 years ago. How does it work today? How low can be persona...

Thanks for the links on 1986 tax reform, harikaried. Never knew there was a time with both sales and state taxes. Tj, I agree that allowing deductions or not allowing them all would be a fairer one. The argument of whether state taxes paid forms income/not is a very interesting argument. One of scho...

hello all. A job opportunity came to me where I have a chance to move to a state without state income tax. As I went comparing expenses, something stuck me a bit wierd. Why does federal law allow tax deduction on sales/state/property taxes? What is the reason behind it. Why does it allow only state ...

I am still close to starting point. I dont have a specific number but a goal to make 1 mill in less than 20 years and have it compound for another 10- 15 years. I have started with good chunk of debt. Projections show i am on target as I finished debt payoff and this year being the first year hittin...

I came across similar situation which baffles me on the right course. In Philippines CD are probably 6-10% with inflation 4+% and it has been and will be in near future too. So comparing US inflation with Philippines, if Philippines is retirement country, the investments are losing on growth. Histor...

same question...couple of years ago here :) http://www.bogleheads.org/forum/viewtopic.php?f=10&t=79436 Look at grabiner brilliant examples. Edit: Expanding a bit on what I concluded before I decided paid off my loans: The term "guaranteed" comes from the fact that your 401k contributio...

1554.34

80:20 - 16.4%
Rebalanced from 60-40 to 80-20 during lows in June...lucky time I guess

Ahh, so it should in the year planned.
So the only thing is to use the > 7.5% AGI deduction rule on taxes then.
Thank you.

This might be lame, but I am wondering if it is possible to pay for monthly payments of medically necessary and approved surgery etc over multiple years using the FSA payments. This would help one of my friend who had a recent financial shock.

Thanks

40% VTI
40% VXUS equivalent from Blackrock
20% US treasury intermediate

As of now, all my funds are in 401k. %'s vary by 1-2 % as VTI made good gains this year.

Thanks for the thoughts. I am surprised by how many less people know about I-bonds in real world. This is the only place where I read them, apart from magazines/books. This almost gives an illusion that no one thinks they are good instruments for savings. I just love them and use them off as emergen...

Why I bonds yield almost 1.5 percent higher than CD rates, with the risk being the same.
The CD rates are backed by FDIC, which is full faith of US government. Any reasons for this disparity.

Also feel free to add any inputs to my assumption here - "risk is almost the same"

Bogleheads: For the record, and because this is the Boglehead Forum, this is Mr. Bogle's opinion about "gold": Gold Just ‘Speculation,’ Has No ‘Intrinsic Value’ Best wishes Taylor Thanks for the article. I am always looking for wisdom from different perspectives on Gold as I am still sear...

Blackrock collective investment trust US debt at (0.02 + 0.04) % with my employer.

Thanks all @mikeyd As other's mentioned, they give pretty good deals. For ex: Macys had 20% off this weekend for card members.(I got to admit I almost signed, but then I was just buying a pair.) they often send 25% off some weekends and 10$ off 50$ etc in mail. same with GAP/banana/Oldnavy. If I can...

Hey all, I was shopping a bit this weekend and bumped in to this question. How good are these Macy's/GAP cards? I don't have the issue of paying them off immediately. But in general what is bogleheads take on them? I usually shop most of my stuff at Target(they have debit card that debits from your ...

In 2010. When I started making money.
Till then all I thought and know..Just buy what CNBC says. Luckily I never had much money then to waste.

Thanks all, I thought through all these options well and I think preserving the capital is more important for me. As it turns out, dollar deposited CD account back in home country of my gf are offering a sweet 3%. I checked out there currency conversion penalty(aka market vs their rate) comes to 0.0...

Thanks for the links. I always wondered how the bond prices fluctuate. How can we extend that vanguard calculator to a ETF fund? assuming they keep buying bonds continuously, will it average out/still loose the initial value when the bond ETF is sold out? At 28 + 9.3% it is a break even/slightly bet...

@sometimesinvestor I believe the risk with investing in 401k is too much. The 401k tax when withdrawn + 10% penalty will hit hard. I need to figure out taxation rules in my country, but we do not have a pension transfer over agreement with USA.(I will get the match irrespective of my investment to 4...

Hello all, I am a foreign national working in California. I invest in roth ira. My company contributes to 401k 3-6% depending on that year profit but not dependent on my contribution. However I am not planning to invest in 401k. I am planning to have a start up venture in future, in my own country i...

I thought I saw a response to this post. Was it deleted?

There are no details in the article about what exactly they hedged against with what. Sounds more like a Greece haircut effect(just guessing). It will be interesting to know the details and get an idea on what sort of investments are being played from knowledge standpoint.

I haven't thought about rollover. I assumed since the form says distribution, the money is out permanently.

Thanks!

Trade-king will not enter the taxable amount of your distribution in Box 2a of the 1099R. Under the Roth ordering rules for taxing distributions, all of your Roth IRAs are considered to be one total account, and that is why a particular custodian does not know how much is taxable. You must report y...

I have a one year roth IRA(very old 2007 one) where I contributed 3k and left it off. It is at tradeking.com where I don't have any of my current accounts. I started investing again in 2010 after turning to boglehead Philosophy. The current balance in that account is roughly 3050. I am trying to wit...

LynnC: Keep up the good work. There may be a number of new Forum members ( and lurkers) who are not familiar with that feature so keeping it "in our face" is a great idea. Shawcroft +1. I use Adblock everywhere and had never seen the Amazon advert before. I had to dig around the site a bi...

Some of people on their site are sensible good investors. I usually read the most recommended motley fool caps blog. They are individuals who show some really good insight in to how companies and investing stratergies work. In regard to their 67% claim, I had gone through their long list of transact...

Interesting scenario! I would love to see what others suggest. Look at the grabiner response on this thread: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=85997 with fed+state + payroll, aggregate taxes come down to 36%(roughly). Your scenario - 401k plus 6-7 year loan pay off (VS) 3-4 yea...

I am 26. Hold age + 4 at 30% bonds

I don't think the extra return for the risk is worth it beyond 80% stocks.

Emergency funds = 0 Debt: Loan 1: 30k (5.75%) Loan 2. 30k (9.7%) Loan 3. 65k(8%) I was in the same shoes as you are just an year before. If you look at my profile oldest post, you will clearly see I had the same question and the same arguments with the forum (lol). A couple of things that helped: A...

Thank you both. The SEC yield is 0.81 %, so in 9 months you would make $61, less commission to buy and sell of around $14, so you're netting $47, or about $32 after taxes. Instead of sweating this decision, why not keep it in the bank? To make up for your lost earnings, skip going out to lunch on Fr...

Is BSC (Vanguard ST Bond ETF ) http://finance.yahoo.com/echarts?s=BSV+Interactive#symbol=BSV;range=1y a good place to park funds undecided to use (6months-1 year)? (amount is 10k)

In a simple line "I learned the idea of index funds and thereby lot of financial peace and time to enjoy life " Biggest aha moment:when I really understood guaranteed return of debt payoff with zero risk. guaranteed risk seems obvious but understanding the zero risk is the moment. Also the...

My strategy is contribute with my bonus in Jan - full 5k. It will go to a bond fund and then steadily 1k every 3 months in to EM and small value. If I see a >5-10% hit with in a month, I will move 2k instead of 1k. Last year the last 3k went all in during august end. Overall, worked ok.

wow, very interesting post!
though I read wiki page, I think I never got the depth of what it is talking about. Interesting aspect of 401k's

Thanks Paddymac for the details really helpful! I went over the irs doc quickly, too many things at one shot :roll: I have a career opportunity with a startup, and I am thinking of options to save more by contracting with 2 more friends(we make a part of software). Especially when a good chunk of mo...

http://beginnersinvest.about.com/lw/Business-Finance/Personal-finance/Self-Employed-401k.htm based on the above, it allows a maximum of maximum of $46,000per year. I am wondering does it also include employer match from self? In short can I have a 401k plan where I am a independent contractor with ...

Can a family self employed contribute 401k money + company match all the way +profit sharing ?

1350
pretty much 4% with wide fluctuations