Bogleheads.org

We're also accumulating and I add the money to the biggest deficit below the target, basically to the under performer. In our all equity portfolio internationals have so far taken well over half our '13 contributions to date.

OP's issue, as he states, is that the wife's 403b will never reach Admiral status as it's not an option.

The Dependent Care FSA seems like a good deal, we don't take advantage of it because my wife's currently staying at home (apparently can't be used if there's a stay-at-home parent, which was a surprise to me). We put the max, $5K, in a year and then get it back with reciepts from daycare. That's co...

Just an update: I first e-mailed asking for a refund of the difference. They responded that yes, they would refund it. They credited $6.97 to our gift card balance. They then sent a form e-mail saying I qualified for a refund of $6.97 for the pre-order guarantee. They credited $6.97, for a second ti...

Thanks, I already wrote them less than 2 hours ago and received the following e-mail, in part: Hello, Thanks for contacting us about the recent price change on item. I recognize you have a choice of retailers and appreciate that you prefer to order from us. Since the price of the item has changed wi...

Thanks! That site says it dropped to it's current price at 3:44am on May 20, which makes sense as the Best Buy ad lists it for the same price in Sunday's ad.

I'll send amazon an e-mail when I get a chance.

Thanks!

I preordered a DVD a few weeks ago and it arrived yesterday. It had pre-sale guarantee (or whatever they call it) that if the price went down before the end of the first day of release they'd refund the different. Stupid me didn't look yesterday (the release date), but today's it about $6.50 less th...

Glad the site is back! Reminded me of after Hurricane Sandy, I had to find something else to do with my time

Does this speed things up? I ordered two smoke detectors after we burned popcorn badly in a microwave and they didn't go off.

Ordered May 11, stated should be delivered May 16 to 22, and they're not shipped yet.

I use firstname.lastname@gmail.com. The major downside is that you get lots of email for those who share your first name and last name. I think spammers oftentimes use common firstname.lastname combos. So, there's that too. Otherwise, no problems. If your firstname lastname is still available, then...

Another pro for mutual funds over ETFs, you can sell and by the same end of day.

I know that if something happens to my parents I am to look in a certain container in a certain location in a certain place for a packet with the information I would need. I know nothing more than that and am ok with it that way. (parents are a bit younger than OP)

We were going to go to a park so our 3 year old (only grandkid) could run around. Instead, though it was 75 most of last week, it's now 40 with 5 minutes of hail this morning and cars off the roadway on the way home just now as if there had been ice:( Just staying inside at the sister in law's inste...

Savvy wrote: He uses an adviser because, fairly, all of his investments are a bit complicated since they're in many funds.

This sounds like a viscous circle. Guessing an adviser got him into many funds, now he stays because he's in many funds.

We bought our first/only house in May, 2007. In hindsight I'd still do it again. It was the right time in our lives, we don't plan to ever move, etc. Yes, we could have rented an apartment for a couple of more years and gotten a house cheaper, but also would have wanted to delayed having a family, e...

That worked! That's so much for the suggestion dbr

Thanks LadyGeek, but it still didn't work.

I copied the cells to a blank document, made the 12/31/13 figure constant, moved the XIRR function to the spot below the last value and it's still 0.00

This is in Microsoft Excel 2010.

Anyone have another suggestion?

I put together a XIRR formula for each of our MF/ETR holding in January and they each appear to be working correctly. On April 12 we started every 2 week contributions to a 457 for my wife. I copy/paste/changed an XIRR formula for this fund but it always shows a return of 0.00% I don't know what I'm...

also look at fine print that you'd be doing a refi on an existing PenFed mortgage. I believe you'd have to take out 10K in additional principal or something like that but don't quote me.

gkaplan wrote:Why not just do an Edit - Find?

+1

And we're being the OP, start replies with "I'm the OP" or similar

When you put in the order you'll see this on the page you submit on:

Requests received after the close of regular trading on the New York Stock Exchange (usually 4 p.m., Eastern time) will be priced at the next business day's close.

No problem with IE8, though it did ask a security question which I was surprised at, as I log in from that computer regularly and didn't clear the history or cookies.

As I'm debt adverse, I would probably put extra towards the mortgage first, as I'm guessing it's a higher interest rate, even after tax deduction.

Only 11, didn't spend a lot of time and don't really know much about buying on margin, etc. especially being young and 100% equities.

My wife, who acts uninterested in our finances but listens at least a bit to me talk about them then takes the quiz and beats me with 12 right! Got to love her!

- a pullup bar (boglehead style...made of 1" pipe and slung over the basement I-beam...very cost efficient 8-) ) for pullups, chinups, etc. Please explain. I have a steel i-beam across the center of the basement. Are you talking about the same or wooden i beams instead of solid 2x8s running 16...

$2700? Wow. I'll keep my $368 for a year!

Just bumping this up--the show airs tonight. 10pm on one of my PBS stations, 2am on the other.

We have a set amount for emergency fund and then put everything over that against the mortgage. I agree to suggest that. Make the EF a set amount, be it 8 months, 12 months, etc and then put everything over the top against if that's your goal. (we do max Roths and put $12K a year into a 457 first)

Niko wrote:
This is phenomenal progress is only 7 months! Well done!

+1 for sure!

Same as with mutual funds: it's not deducted separately from the daily price, deducting underlying.

Microsoft Money

There was a segment on Ask This Old House this season where a window had reflected so much sunlight and heat that it melted the vinyl siding. It was an inside corner, the window reflected onto next wall that met it at a 90 degree angle. Not relevent here, just mentioning.

http://www.microsoft.com/en-us/download/details.aspx?id=20738

Here's the Microsoft download, I believe. My only question reading the small print: do you need to have an earlier version installed already?

How often/long are you planning to use it? Some people like running on a treadmill, most of us call it a dreadmill. I bought one used on Craiglist 2 years ago. Knock on wood it's had no issues, I use it maybe 10 times a year for 2-5 miles each time. I can't get myself to run farther than that on it ...

Thanks for the update as well. Interesting, we picked Small Cap Index (VSCIX) which is listed as ER of 0.08 on the vanguard.com site and .14 in the Ohio 457 performance report from 12/31/12. Back and forth several times with Ohio 457 and Vanguard my best guess based on all answers is that vanguard c...

Yesterday was payday: contribution bought share at yesterday's closing price and appear as a balance this morning. I don't think it could be any faster than that! Only wierd to thing is it shows the number of shares balance to 8 spots past the decimal point. Saivng on taxes already: ( deposited $631...

My question about all the same ERs in the list: why list them? Wouldn't it just be simpler in an 'article' titled April ER Changes to only list the funds with changes?

You're quite welcome! Glad I was able to help someone, as so many have helped me here:) When we signed up we did the online application that it says takes 20 minutes where you pick the investments you want right then. It took me about 15 minutes. (I had previously picked a fund that was institutiona...

My wife teaches at an Ohio public college. In her benefit/health insurance packet in December it had a page, half describing the Ohio 457 plan. Based on that I researched them and then called to ask if my K-12 district was automatically a part of it. They said not automatically, what district is it....

Just a few years ago it was 30 years and 66% of final salary's highest 3 year average. Now it's 35 years and 77% of salary's highest 5 year average.

Again, though, please look at the Ohio 457 plan, with ERs as low as 0.04.

Before you write off the 403(b) plan, can you confirm that the expenses and choices are truly that bad? I'm not an expert, but when I google "ohio teacher 403(b)" the first hit is this page: K-12 Educators - State Teachers Retirement System of Ohio If you're a K-12 public school teacher, ...

First, to everyone who's cutting grass and edging....lucky you guys/gals, it's finally feeling like spring here but no growth on trees/shrubs/lawns yet. I have Toro Recycler and have had no issues. Have used the hose washout once, it just sprayed clumps of wet grass all over the driveway. I turn it ...

Click users name on the right of one of their posts.

Click "Search users posts" on the right

I did the same thing I usually do. Went to vanguard.com and put in a VBS buy for a set price. Checked for a couple of days, it was filled early on 3/21 (I could tell based on a quick google quote search). I logged back in, double checked that it was filled. Before 4pm the same day I went to the mone...

The $469.60 came from outside: a brick and mortar bank savings account.

No problem here either, using vanguard and VBS.

Bought 5 VSS for 469.60 on 3/21.

Then bought 469.60 in Money Market, also on 3/21, taking balance from 0 to 469.60.

Sweep to brokerage on 3/26.

No issues.

5% Gas Cash back card and 3% 5/5 ARM. No issues, a few with teh refi but none otherwise. Happy with them and worth the $20 donation for sure.

http://www.bogleheads.org/forum/viewtopic.php?f=11&t=113153&newpost=1649099

I don't know how helpful this will be to your specific questions, but here's a current thread on gardening.

You've given us a link to your actual home address, with photos? Really?

I'd vote for amazon. Huge variety both of cycling and non-cycling stuff I'm sure, plus free shipping.