Bogleheads.org

My company has been willing in the past to pay for classes in applicable areas, do you guys know any good institutions/companies that have training locations across the country? I am in a financial analyst role within a health care company, what form of computer programming language do you guys fee...

While I agree with most of the above.. we all have a tendency to ignore the fact that anyone with a mortgage is doing exactly what you say and in a lot of cases far more than 110%. I know most will think this is off topic... but is it?

I would recommend this :- * Learn some set theory - yeah it sux but it's where most programmers fail IMO - they fail to think in sets and use row at a time stuff. * Grab a copy of MySQL (Free and easy enough to setup and has a decent implementation of SQL). * Pick a project that interest you... Say ...

Yes but only when everyone else is passive....... since that will never happen the answers is no

The vinyl crowd have got to be nuts. Or maybe they only expect to get one play out of a record before they replace it? Yeah BUT every now and then I throw on one of those direct metal mastered records and it's like a veil lifts between my ears and the music..... I have a VERY good turntable & s...

For those that see no inflation... well... I'm jealous Spending inflation on this end has been out of control for a while and salary has been decreasing in real terms

Entire net worth < 10K and spent almost everything I earned (which was high in the early 90's) but had a great time traveling around the world. Didn't start saving until early 30's..... In some ways I would not swap it and in others I certainly would. BUT I avoided debt and payed for what I was doin...

Goes up and down each year and I am limited to 10% in my 401K. Most years we manage to max out both Roth's and some years we barely get anything into the Roth's. That makes me an outlier in this conversation but I think compared to most in the real world I do okay. It was far higher before we had ki...

This raises an interesting disadvantage to holding individual stocks that I haven't heard discussed much (if ever): lack of ability to completely control the timing of capital gains/losses. Not sure how this is worse then mutual funds that distribute cap gains.... It's at the complete control of th...

Just remember what side HR is on... It's NOT to help you.... despite what they like you to believe.

letsgobobby wrote:I think it's funny. What would they give a select or flagship client?

Not sure but how about
21.5% Total Idx
8.5% Int Idx
70.0% Total Bond

lol

Some random thoughts from someone that uses a Nikon film scanner (5K) a lot.... and have scanned a few thousand slides and negs.... * It's a PITA and you might want to look at offshore scanning shops (e.g. scancafe). * It will take double the time you expect. * Flat bed scanners are faster & ok ...

What about the obvious option... find another provider.... and tell the old one what to do with the missing paper work

Be VERY careful of carbonite (I say that as a long time user)... They throttle the upload speed once you get over x Gb used.... They advertise "unlimited" but that's basically a croc due to the throttle. It's very well hidden in their terms of service so I didn't know about it until after ...

Yeah well.... Safer to uninstall all your browsers and disconnect from the web...... Hardly a practical suggestion as Java is so heavily used. Java script is used for many web pages, so disabling that would be draconian, but Java on the client (personal computer) is not. Javascript and Java are two...

Yeah well.... Safer to uninstall all your browsers and disconnect from the web...... Hardly a practical suggestion as Java is so heavily used.

It's a revenue stream not lawn care

It takes off when there are several good years in a row. Say like from late 2002 to 2007. Yes, before a big sickle comes swooping down to wipe the jubliant smile off your face like the years 1999-2000 did for many who thought they were overnight millionaires with equities that counted "clicks ...

bowlja wrote:I freaked out today when I saw a 2.78% drop when the market reflected a much smaller decline.

Dividend issue aside... Have you thought about what you will do when the fund drops 20%? This stmt seems to show that your expecting more stability then what MIGHT happen.

I use Money 2002 (the last one without quote download timebombs) BUT it just stopped a few month ago and does not do stock quotes any more. * There is a Money version fixed to have no timelimit BUT there is no functionality in it either. * I have been looking at MoneyDance (a name from long ago befo...

So tip toeing along the line trying not to step in the politics mess on the side of the track... Ignoring the tax gain harvesting to use up the zero cap gain tax rate, which is an obvious option for some... Lets ASS-u-me tax laws go nowhere and the cap gains/dividend treatment rates increase for mos...

I would call the lease company and see if they have a better offer (I did this once a long time ago).... The last thing they really want is a car to deal with so they will sometimes make an offer that is lower then the lease purchase option - especially if it's a type of car that is lower in value t...

Double check on the loads... A lot of the 401K plans avoid the load charges, so they look better then they first appear.... not good mind, just better.

EDIT: Sorry... Sarah's response was not on the screen when I responded.... busted post.

Ok... So the question becomes... If you had $x in cold hard cash would you go and invest in your employers stock? If the answer is no then you should sell once they vest. Options are a different animal but RSU's that vest into zero basis stock are exactly that question IMO.

Minor stuff - Want to try other countries where the US tax rules are essentially forcing people - including US citizens - to lie or have their accounts closed..... Your looking the wrong side of the boarder :-/ It's been getting worse for some time but is ratcheting up on the new year. Stopping now ...

I use one, but only because it's the "lesser of two weevils" choice. There's a lack of transparency issue in mine, I can't see exactly what the fund is holding. Also the insurance company could go belly up. I can't find anyone in HR who can answer detailed questions, and I can't locate a ...

If your not trading does it really matter much?

If you are trading... well..... Manipulation of prices would be illegal/business as usual/futile depending on your views and who you are

I would pick the option with the "best" funds (to me cheaper, consistent style, indexed e.t.c.). You MAY also get some breaks by having more in an acct then split - or maybe not.

Next year makes it 25 years for me in IT.... Bits of paper & certifications are irrelevant but like most have a stack of those but unlike a lot I have avoided management. The real questions is - Would I make the same choice today - for me the answer is no. This depends a lot of industry, company...

A lot of us have been through this, and its best to acknowledge the mistake, and calmly let it go. I still own about a dozen different penny stocks in my old daytrading account, each worth a fraction of a cent, or zero. I keep these around as a reminder of my arrogance in case I ever get the urge t...

I used them a few months ago and it came out at square... It's confusing though because they add fees then offset them. Just be careful that it all matches as they got mine wrong the first time (probably an honest mistake).

I'm pretty sure the 7inch tablet was actually designed for the very aspects you mentioned. I'm an avid blog, news, and graphic novel reader and my 7 inch modified nook color runs circles around my 10 inch tablet in terms of portability, pixel density, and my reading speed (10 inch requires too much...

As far as I know there is no public ruling from the IRS on exactly what that means - most of us assume different funds are close enough to avoid but it's not a guarantee.

Voyager Select now makes you talk to a stupid machine and play the guess the buttons to get a live person. It used to be good as a real live person answered but it's just the same crap you get at any credit card company. I expect you still get decent service with the next level up. You will get bett...

I've lived in several countries and various places in each... and there ain't no easy answers because if your like me you really want a mix that does not exist. I miss each place for various reasons and yet parts about each drove me nuts. As corny as it is - draw a line down a piece of paper and sta...

Check what the look back preior for pricing the value - some can look back further then others and sometimes that will make even a 5% discount useful. I maxed one I had out when it was 15% with a LONG lookback but with a shorter one and only 5%, I would not max it at 10% of your income - not enough ...

I have always wanted to play either guitar or piano well, and would like to study one of them. I understand what it takes to get good at an instrument. I am interested in taking on an instrument that will carry me into my golden years. lol I have one kid really into one and another into the other.....

My 6th grader claims she is the only one in her middle school without a cell phone and that almost everyone has an iPhone. I did in fact witness quite a few of her friends have one. What kind of cell phone and plans are you getting for your pre-teens? I dislike getting into monthly plans and the iP...

I'm certain that if the roles were reversed, the Bank would absolutely do the morally correct and just thing, despite what might best serve their fiduciary responsibilities. Bahahaha - That has to be part of a comedy routine right? :-) Next your going to tell me the BP ads I see about oil spills ar...

I'm a tom tom fan also and for the same reason - it shuts up most of the time. It has made a couple of mistakes but that is part of the deal - the one last week was a newly closed bridge that it insisted I take and refused to recalc :-/ For the most part it's been great and enough buffer so that tun...

Presumably it's on a 1099 basis not W2 right.... Make SURE you know what federal, state and local taxes you have to carry (both sides of social security, state payroll e.t.c.). It varies by location but remember that the employer will not be paying the share that is hidden from most people. Do they ...

Fuel from food sources is a dead end, the research for ethanol extraction and the making of bio-diesel from algae is showing promise. This has always been my issue... with a VERY narrow portion of the world useful for food as we know it and the risk of that band moving due to warming (however you t...

What does "CAPTCHA" mean (to lazy to go to google) ? Thank you and best wishes. Taylor Hi Taylor, CAPTCHA is some text written in a jagged way, or partly shaded, or using different fonts and sizes, or some combination of these -- so that a human can read it but text-recognition software w...

Tax issues aside; I think RSU's are fairly straight forward.... would you take cash now and buy the stock? - if so hold the RSU's otherwise sell and reinvest to your plan. There are plus and minus aspects to that decision but I think that is the decision at play here. In some cases, tax issues might...

Thx for the link but..... Enter a Username. The username must be 8 to 20 letters and/or numbers. The username cannot be your Social Security Number The username cannot be your name User name is available. 8 to 20 letters and/or numbers - cannot be your Social Security Number (SSN) - cannot be your n...

I wonder if anyone has done a study on the long term effects on health with handling money vs. using a credit card. I think that would be interesting. Dunno but I saw somewhere said that most 20 bills in the US have a small trace of coke on them (and I don't mean the soft drink)..... Could well be ...

There is little doubt in my mind we all pay higher prices to cover the wide spread use of credit cards and have to cover the fees the retailer has to pay..... BUT..... it's rare that anyone says they will cut off 5% or 10% if I pay cash..... so I use the rewards credit cards. Give me a 10% discount...

I do not think there is inherently anything wrong with reward cards I have never liked the fact that the merchant is the one who is financing my "rewards" with higher fees. No rewards cards for me; just my opinion. I use to hold a similar opinion. I refused to use a credit card and wished...

There are rumors that Apple is going to release a $299ish iPad2 8GB. I don't know how fast you were looking to buy (or your wife's need for spacious memory), but it is just another thing to consider. IMO, 8 gigs is probably too small for my needs but for web browsing and email it should be more tha...

Why is it that people think all these services are "free"? You really think google is free? FB is the worst at this sort of stuff and far more aggressive then most but it's how they make their money.