Bogleheads.org

My $300 Accutron looks much better than a Rolex.

Salary reduction goal is to reduce cost by 20%, so I think HR would chose a method which will result in a 20% reduction. Furlough plan is to go from 5 workdays a week to 4 workdays week. You will earn 4/5 as much after furlough. In other words, 20% temporary reduction in pay. Also, every weekend is ...

This advertising should be removed from the discussion board.

Anyone (plumber, electrician, engineer) can call their self an Investment Advisor or Wealth Manager. There are 2 types of people in the investment business 1) Registered Representative (RR), an individual, representing a stock broker (a firm). 2) Investment Advisor Representative (IAR), an individua...

What is a literature source about the incentives and dis-incentives on the different types of retirement plans. I'm thinking about 1) Incentive to not leave employment with the company 2) greater benefit to owner 3) benefit new employees more 4) benefit old employees more 5) incentive to retire at y...

Smartphones are for people who feel the need to be up-to-date and progressive. It is useful for shopping so you can call your wife and ask questions like "Should I buy yellow pencils or multicolored pencils?" or "Should I get sharp or mild cheddar cheese?". People who are boring ...

I enjoy working on things, so I would try to repair it myself. I took a course on small engine repair and the teacher said about 90% of the time the problem is the carburator. If you cannot fix it, you buy a new mower.

get genworth privlledge choice. genworth and john hancock sell most LTCI.

This may be a silly question but how come I never hear about advisors (whether private practice, investment banks, brokerage houses, etc.) who act as both investment advisors and tax practitioners? I'm assuming this is against the law, IT IS NOT AGAINST THE LAW, I DO IT as it would be a surefire wa...

When you say 6 years of study, do you mean 4 years getting a BS, then 2 more years to get pharmacy degree ???

A woman told me that a man's mid-life crisis is shown by getting a motorcycle and/or a girlfriend. I'm 66 YO and did not have a mid-life crisis.

I use an unlocked telephone and I use H2O service provider at $10 per month. I see no advantage in having a smart phone.

TaxAct almost charged me $187 as a service fee to use a credit card to pay Federal taxes of $7960. This seem outragiously expensive.

Flobes wrote:Rocket, I PMed you the name and private line phone number of a person who in charge of bonds of the deceased at Treasury Department.
She helped me greatly when I was executor of two estates a few years ago. :Flobes

Thanks !!! I will give her a call.

sscritic wrote:They have forms for these sorts of things. Did you find that page at TreasuryDirect? Google can help.

Sure but what does "With ansd WithOut Administration" mean ??

Where do you find someone Face-to-face to give correct information about US Series EE and I bonds ???
The TreasuryDirect website is not user friendly.
I need to convert deceased person (B) bonds to A.
I need to convert A and Bs bonds to A only.

Eagle's Nest and Salzberg were the highlights of my last trip. Rome and Florence were disappointing. Italy has lots of theives. Tour group gets you high value, low cost.

E-3s, and maybe E-4s, are probable are in the 0% tax bracket. In the 0% tax bracket, there is no reason to use a tIRA. ...... However, for a single person, the 0% tax bracket is under about 10k a year salary. There is no 0% tax bracket. The lowest marginal tax bracket is 10%. Then why did you post ...

retiredjg wrote:

rocket wrote: E-3s, and maybe E-4s, are probable are in the 0% tax bracket.

In the 0% tax bracket, there is no reason to use a tIRA. ...... However, for a single person, the 0% tax bracket is under about 10k a year salary.

There is no 0% tax bracket. The lowest marginal tax bracket is 10%.

At what military pay grade does a traditional IRA possible good sense ??? I don't think there is an answer to this question. -whether tIRA is a good idea depends (partially) on your tax bracket; pay grade does necessarily correlate with tax bracket -whether tIRA is a good idea depends (partially) o...

At what military pay grade does a traditional IRA possible good sense ??? -whether tIRA is a good idea depends (partially) on your tax bracket; pay grade does necessarily correlate with tax bracket. -whether tIRA is a good idea depends (partially) on whether you can/want to deduct the contributions...

nisiprius wrote:To some extent, Vanguard itself lets you do this, and doubtless they're not the only ones...... manually enter mutual fund and other holdings in outside accounts ....

MANUAL enter is what I want want to avoid.

At what military pay grade does a traditional IRA or TSP become more beneficial than a Roth IRA or Roth TSP ??? I changed the question. Notes to evaluate question year 2013 E-3 PFC gross $18,192 E-4 $28,836 E-5 $36,768 E-6 $43,800 year 2012 25% marginal tax bracket for single is $35,350 to $85,650 2...

livesoft wrote:Often one cannot find a well-maintained 2-year-old car at a good price. Too often the owner wants too much money for the vehicle.
Why would someone be selling a 2-year-old car anyways? What's wrong with it?

Hertz does.

I don't know of one, but you might try searching through DFA's website. http://www.dfaus.com/find_advisor/ Being authorized to use DFA funds (only certain advisors can, and not the public) of course does not necessarily mean they are a good RIA, but I think most good advisors that follow the Bogleh...

Your list is rediculously incomplete. You probably omitted 98%.

If a person where to monitor a few people's investments, with several different custodians, what type software allows me to do that ??
several different custodians = 401K, fidelity, Vanguard

I select traditional or Roth IRA by running my income tax software with and without traditional IRA and compare the amount of current income tax due. For example, If I make a $6000 contribution to traditional IRA and it reduces my income tax by $0, I chose Roth IRA. If I make a $6000 contribution to...

lemming wrote:Hi all,
One complicating factor is that I'm not a US resident (I'm from New Zealand), so Vanguard is not available to me.

What's the deal about Vanguard and non-US citizen ??
Read 4-fund portfolio.

What luxury car has cloth seats ??? I like Toyota Avalon and Hunundai Azera but they have leather seats. I want cloth seats.
I don,t like screaming hot, sweaty seats in the summer. Animal skins are OK with me but not on car seats.

I stated that badly. If I get a state tax refund, why must I report the state refund only if I itemize ???
I got it.
If I itemized last year, I would have deducted the state tax.
If I did not itemize, I would not have deducted the state tax.

Why is it that the IRS does not have you pay tax on a Federal tax refund if you do not itemize ???

From Larry Kotlikoff writing for Yahoo! Finance. Here are the three general rules to higher lifetime Social Security benefits. .......... Spousal benefits are 43 percent higher at full retirement age than at 62. BobK correction .... I do not think you can collect Spousal benefits until FRA (65 or 6...

In our file cabinet, I put all estate planning documents in RED folders. My wife knows this.

These come with leather only upholstery Toyota Avalon Hyundai Azera
I like the Avalon except for the leather.

What's good about a foreign tax cedit??? I do not understand why some people think this is a good benefit. I tend to think any tax is a liability; foreign or domestic. What Is better about foreign tax rather than US tax ?? Having a Credit or Deduction is still a drain on my wealth. What do I not und...

The best day to buy insurance is the day before you become uninsurable. Young people use and need LTC insurance, it's not just for old people. I think people who do not have LTC insurance are usually putting their problems onto someone else, usually their daughter. I would never think it is appropri...

Frequently when people see my home thay notice I have a very small lawn to mow. I can mow my lawn in 5 minutes. I have a larger than average yard, but I have it covered in ground cover, not grass.
I think buyers will like my landscaping. LOW MAINTENANCE yard.

Go see a Certified Financial Planner.

If you must drink drink Jack Daniels, not bourbon. [attempt at humor that could and was easily misconstrued as a personal attack (along with followup) removed by admin alex]

Tell all your friends how much it costs to repair your Lexus. They might think your are very successful, rich, and wise, if they are young and stupid.

[/quote] However, the idea that a person with a high income should also have a lot in bonds is not so. Asset allocation depends on many things at various stages is life and does not necessarily dictate a high bond allocation just because one has high income. [/quote] Just about any typical recommend...

The professional plumbing stores sell water heaters that have features added the extend the life of a water heater. I recall they cost slightly more but it is money very well spend. Lowes & Home Depot tend to sell the lower quality water heaters.

Conflicting priorities -- lower taxes -- asset allocation If a person has income of around $250k per year the typical asset allocation recommends putting a substantial allocation to income generating bonds, but with the high tax rates, this causes an increase in taxes. How does one allocate and mini...

Graduates from the US Military Academy (Army) have a very strong "good old boy" system. Academy graduates have a strong preference for selecting and promoting other Academy graduates. This gets very iritating to people who are better qualified but not selected because of favoritism for Aca...

Alan S. wrote:Why do you want to recharacterize the Roth contribution?
1) Modified AGI too high to qualify?
2) Would rather have the TIRA deduction? But are you sure you can deduct it?

I do not know about AGI being too high. I would like to get a IRA deduction and get a $1250 higher refund.

You can't recharacterize an IRA itself, but you can recharacterize a contribution in some circumstances. What company are you talking about? You'll probably have to call them. I don't think I've seen online recharacterization anywhere. http://www.bogleheads.org/wiki/IRA_recharacterization Feb 2012 ...

How does one recharacterize Roth IRA to traditional IRA ???

there is a limit on how far back in time you can go to amend a return. I have a vague idea it was 3 years.

I pay about $160/month for 2 phone lines, cable TV, and internet thru Knology. I use Basic cable TV (the cheap one).