Bogleheads.org

Recently I decided to check on the tuition at my old college (a private Jesuit college in NJ). When I attended from 1963 to 1967 tuition was $900 and there were no dorms. I lived at home with my widowed mother and walked there. Now tuition and fees top $30,000 a year. That is a real money saver liv...

Ever notice the tax free states many times have wilder weather. It is like tax free is the carrot to get you to move there.

16k In MA that is very good. That is one of the best budgets I have heard for MA. SS would cover a lot of your bills. I can hit 16k but I live in the midwest.

I am not from Chicago I was just was wondering is Evanston a good area? How does it compare to Park Ridge? Evanston is okay for now. Its is a mixed bag since Chicago trucked alot of its section 8's over to the southern parts of Evanston. Shootings, gang bangers and more. I'd buy close to Northweste...

I am not from Chicago I was just was wondering is Evanston a good area? How does it compare to Park Ridge?

investor wrote:free even of State Taxes ?

The Fed's tax them but not the states as far as I know.

Or a person could invest in all treasury notes they are tax free in all states as far as I know.

It looks like you have about 90k in income you can prove. I think with that kind of income you might get a loan for 180k to 270k if you have no other debt. I am guessing you are going to need cash for most of the house price. I don't know if the bank will count a Required Minimum Dispersal. Even if ...

At our local credit union for $5.01 that is all is takes to have a savings and checking account. It takes $5 in savings and checking is .01 There will be no fee's at this level. This is just a small example why I am a credit union fan they just seem to be better in every area.

As of Friday April 19th, there's a new option that might be considered a middle ground between holding individual bonds and a bond mutual fund. The iShares target-date bond ETFs are now available. These are similar in structure and concept to the Guggenheim Bulletshares, but with an expense ratio o...

BL wrote:

Usedmavin wrote: when my son reaches 18 and we lose his and his mother's SS benefits.

U.

I believe you lose mother's benefit when "child in care" turns 16.

If the kid is in school does that push the age up to 18?

We need all your numbers to give you the best answers Usedmavin. Don't be shy you are with a bunch of friends here. I love it here.

By the way what kind of things do you get for 700k a year? Your expenses are as interesting as your portfolio. If you started a thread on your expenses I think we could help on those too.

You are a very Blessed man. Your question is like my lotto investing ideas. With this kind of coin you don't have to take much risk if any. I thought about a simple three fund portfolio if I won the lotto. Something like Vanguard Short-Term Tax-Exempt Fund Admiral Shares Vanguard Total Stock Market ...

It sounds like you are doing good so far. Your son would be able to go to community college free with that income.(At least around here he would) What are your assets?

I think my local credit union would finance a classic vehicle they just say cars older than 9 years pay a higher Interest.

Well here is Hamlet free

http://www.youtube.com/watch?v=bXId5jOTxdg

And I thought $25 for two was on the high side.

I shred my stuff every few years at the credit union. I figure they are going to handle my stuff like their own.

The money is on the business banking side. Services provided on the accounts of some corporations and government entities can bring in millions in fees from a single client. With the fractional banking system they need very little in reserves in order to borrow the money to loan from the Fed and as...

Ubiquity and oligopoly. I remember my folks moving to an apartment in the city and trying to decide which bank to use. The block with their apartment had a bank on the corner, and another bank diagonally across from it... and, my mom said, "I said to your dad that on really cold day it would b...

How do big banks attract depositors? Well I guess that was me before I found out about credit unions. I noticed that all the credit unions in our town pay better than BOA. Of course it took me several years to see that.

Abe wrote:Where I live Walmart will replace the battery free if you buy it from them.

Our Walmart use to do this but I guess they messed up some watches. They did several for us with no problems before this happened. Of course I don't show up with a Rolex.

I don't sign up for, use, accept or have anything to do with store credit cards. Just another avenue for ID theft, plus it adds bulk to my wallet. Whatever the special offer, I turn it down. I'm curious how that helps with reducing the risk of ID theft. It at most reduces the visibility of ID theft...

One more thing Munchkin Man if you want a good credit score use less than 10% of your credit line.

gkaplan wrote:I have had this very inexpensive Casio watch for years, and I never have had to replace the battery.

Casio watch batteries can last a very long time I have had some go 12 years.

I don't use Department Store Credit Cards because you need one in each store you go. I have two credit card and feel that is enough I think too many cards is a pain. At one time when I was younger I had ten cards and hated it. Not boosting but my score is great with just the two cards. I like only t...

My wife is a Dept of Defense employee and we have access to the above Credit Union. In my research, their high yield savings accounts are at 1.6% with balances of $100,000. Does anyone have experience with this CU and is there any reason we shouldnt jump in with both feet? Please tell us more about...

Credit Union Members Beware: Your Credit Union May Drop Federal Deposit Insurance http://www.depositaccounts.com/blog/2009/09/credit-union-members-beware-your-credit.html For state-chartered credit unions, only nine states allow their credit unions to have ASI as their primary deposit insurance. The...

Thanks for posting we should post every credit union that drops federal insurance. Here in MO just about all our credit unions are state chartered. That kind of makes you sleep with one eye open. That is wild they dropped the insurance but are a five star credit union. http://www.bankrate.com/rates/...

Question if one person is over 64 and one person under is that still counted as 2 people in the family or just 1 on the Calculator?
Also do we count the income of the person that is over 64?

Looks like mine will be free.
http://laborcenter.berkeley.edu/healthp ... alculator/

Another good reason to keep my windows open as much as I can.

This is my favorite one http://www.cnbc.com/id/100000105

That makes the US bubble seem tame. WOW

Munchkin Man I feel as if a long lost friend has returned God Bless You. I hope you stick around here for a long time. A while back we voted for our favorite Bogleheads poster I always vote for you. You brighten my days.

I was sorry to see Tom go he did a good job. He moved his family to FL for NBR. I thought that they should have kept him.

They look strongly at income too. What kind of income does your family have? The good news is CA has some cheap community colleges.

Read library religious books instead of buying them. Our library taxes are $77 dollars a year but I get a lot more than that saved each year by using the library.

I have asked around Fidelity, Vanguard, and Schwab come up. It looks like Vanguard and Schwab have better yields. Schwab's cost is $1 per $1000 bond. They might be better for bonds under 40k over 40k looks like Vanguard is the best. I just comparing the cost right now Kevin. You are right CD's are w...

What is the best broker for buying secondary treasury bonds?

I think the Camry is more plain jane than the Accord. But both are great cars. I am more of a plain jane guy so I like the Camry.

It has been the best selling for many years. Both Honda and Toyota are very reliable in most of these surveys.

What is the best broker for buying secondary treasury bonds?

P.S. Ms. Indiana was great. Good education, job, nice person, and of course, gorgeous. Our relationship ended quickly when she told me she volunteered at an abortion clinic and I told her I was a conservative Irish Catholic. Not all-beauty queens' beauty is skin deep. Just too different politically...

I had suggested (strongly) to a colleague at work that he should take out his first dates to a nice restaurant that he has a 50% discount coupon for. Whip out the coupon when he pays the check and anyone who responds negatively is automatically out. Frankly, I would rather go to a restaurant with P...

Thank You

I will have no other income.

Texas tuition is even better than Missouri.

This is my email and their response last October when I inquired about higher rates: Reference Account: SAVINGS #XXXXXXXX I saw Ally is paying .95% on saving accounts and was wondering if USAA would competitively match this rate. Since I have been a USAA customer for 20+ years I thought I would ask...