Bogleheads.org

So what year/make/model did you pick out?

I decided on a 2009 Subaru Outback.

I would pay it in all cash if I could but I need the car to get to work, which pays me the $.

Then after this time period and some decision making on your part will you are ready to really focus on buying. In my experience this usually takes around 2-4 weeks to do all this visiting and deciding on what cars you can afford and what is available in the market. Then you can get serious about r...

I'm currently in the process of getting a pre-approved loan from my credit union to purchase a used car. I'm getting offers for warranties and other stuff that I'm not too familiar with (first time car buyer). I turn to the collective wisdom of the Bogleheads forum to seek guidance on what you all t...

re: comparing philly to cambridge,
UPenn med is in philly (another poster said it was in hershey; that is penn state, not upenn),
but
HMS is in Boston (Mission Hill/Longwood), not Cambridge..

Oh c'mon...Longwood is a hop, skip, and a jump away (i.e. bus ride or T ride) from Cambridge.

$200K is a lot of money, but I think you'll be fine. 1) You're seeking advice on the Bogleheads forum and 2) you're clearly ahead of your peers. I'm a graduating MBA student in Boston and I'm not too familiar with the Philadelphia area, but I would say you'll be among the best and brightest in busin...

I took a look at my portfolio's performance the last couple years since I left my job for school and it's had a cumulative return of about 10% since July 2011 "dragged down" by bonds and international stocks, but hey, its the portfolio I chose and am sticking with it. What do you tell your...

Took an entire semester on negotiations in business school and Getting to Yes was the book to read. Also took a private equity class where the professor who spent 20 years in PE after graduating from Harvard Business School said it was the most influential book that's helped him negotiate that he's ...

...was the highlight of my day.

http://thewizardofaahs.com/ Contact this guy directly, you can get a great suit for about $350. It's absolutely critical you spend take the shipped product to a good tailor and get it altered to make you look great in it. As for style, flat's better for slim to average build, pleats for heavier buil...

Can you provide a link to your blog?

Edit: Nevermind, found it!

I just signed up for this card and got it in the mail but was disappointed to see such a low initial credit limit. I called customer service to try to raise it and the rep said I should wait at least a month or two or else I'll get dinged since I was just very recently approved for said limit. Can a...

This about sums it up:

http://theoatmeal.com/comics/sriracha

Warning: some offensive language.

No one has asked this but what was the category? "Buffet Talks Business" If you're a passive investor, you're fine with this type of fund that gets its name because it tracks an aggregation, such as the S&P 500 Triple Stumper http://www.j-archive.com/showgame.php?game_id=3989 If it's ...

He acknowledged that the forum is a very knowledgable group of people. I'm confident that the foundation of my investment knowledge from when I first started years ago is a good one! The very first book I read could have easily been "Rich Dad Poor Dad" instead of "Common Sense on Mutu...

I asked him if he participated on the forum. He said no!

I'm currently sitting in Zvi Bodie's Investments MBA class and got to talk to him during the break and mentioned I belonged to a forum that helped me learn a lot about investing. He asked if it was the Bogleheads by name and I was very surprised he knew about it. Was a very cool moment.

Any predictions about when this technology will hit most major metro areas?

I agree with most of the comments made above. My order of importance for a work outfit: 1) FIT. You can spend $2000 on a suit and it'll look sloppy if it's not perfectly fitted. 2) SHOES. Ditto previous line. There's a saying/rule of thumb: spend half the budget on shoes. Not only do quality shoes l...

Some of you may have seen this article floating around the internet the last couple weeks and I thought it was a good lesson in frugality for the readers here. It's not a cost-benefit analysis of pursuing an MBA and there aren't answers to questions like "How do I pay down $100k debt with a $40...

Do you think doing an MBA program is much different from going into a civilian sector? 90% of your classmates will have come from 4-5 years working experience from the private space. As for your candidacy, I don't think having gone to the school as an undergrad really helps you get into their busine...

I just took a semester-long course on economics (heavily focused on micro) and I would say no. Great class, but didn't make me think about changing my investing philosophy.

Has anybody tried this company's service? It seems like a pretty good deal. The youtube ad is pretty hilarious.

http://www.dollarshaveclub.com/

*I am not affiliated with the website.*

Nothing?

I have the 10 year total return of the SP500 at about 45% ($14,500 after 10 years on a $10k growth chart of VIIIX, Vanguard's SP500 institutional fund, on morningstar.com) and the SP500 ending today at 1364 when 10 years ago it was 1164 (17% increase).

You're not allowed to allocate more than 33% of your cash into any one security.

I attend a private university so there isn't any in-state/out-of-state tuition distinction. Yes, changing states seems to have created a little bit of a headache. My only consideration for Roth conversion was my own wages as it related to the federal income tax brackets. I did not consider state tax...

Thanks everybody for their input.

sscritic: I was actually doing a lot of digging on the FTB website. Thanks for providing those links for me.

I haven't decided whether or not to return to CA after graduating. Yes, I was converting a small chunk to get that out of the way. Yep, I received a 1098T form that allowed me to get a $2k credit. When I view my TaxACT tax summaries for each state, it looks like I owe taxes on my IRA conversion to b...

I'm in the middle of filing my return for 2011 using TaxACT and I noticed that I need to file both CA and MA state tax returns. Here was my situation in 2011: I worked in CA from January to the end of June. I moved to Boston, MA in the middle of August to start school (am still currently a student)....

Or the fruitcake.

When it comes to investing, the downside is a lot worse than the upside. Just index.

I guarantee that 90% of people won't notice, especially those in their 20's (I'm 27). You'll be fine.

I prefer something with a bit more texture or pattern to be worn as an odd jacket.

I first used the Apple IIe when I was in 5th grade to play Oregon Trail and now type this post on a MacBook Pro 16 years later.

Remembering that I'll be dead soon is the most important tool I've ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure - these things just fall away in the face of death, leaving only what i...

Thank you all very much for your help. I called the IRS and my goodness there was the nicest, most helpful man on the other side of that line. He instructed me to: 1) Respond to the letter and submit a 1040 Schedule D for 2009 with it which will act as my amended return for 2009. 2) File a 1040X for...

I have a little situation that I hope some knowledgable Bogleheads can help me with. Last week I received a letter from the IRS about my 2009 Federal tax return. Apparently, I failed to record the capital gains/losses for a couple funds that I sold that year and they were going to put me on the hook...

ryuns wrote:I thought the investment advice from the previous comic was much more sound and much harder to argue with:

This is pretty good.

How much are you willing to spend? You only need 2 or 3 non-black suits. Navy and charcoal first, then brown, olive, or something to that extent to mix it up. It's ok if you just alternate between navy and charcoal. I think about 6-8 dress shirts should work. Like an above poster said, a couple whit...

How do you determine if it "makes sense"?

Yes, today seemed like a really bad day. I can't recall off the top of my head, but this might have been the biggest open to close drop in the S&P 500 since the flash crash. GLD and SLV were down too. SLV was down over 7%. It looks like bonds are probably the best diversifier. Total Bond ETF wa...

It's funny how some people think today's a buying opportunity but January 2011 was not.

It looks like starting 2012, Vanguard will allow you to choose between average, FIFO, or specific ID of shares.

https://personal.vanguard.com/us/insigh ... _rl=FB3433

Did anybody get it? How do you like it?



No PC v. Mac flame wars please.

pshonore wrote:Anyone who wants real pizza has to come to New Haven CT. Sally's or Pepe's.
Strictly the best

I just saw a TLC show about this the other day. According to them, the locals argue over which is better. Which do you think is better?

I lol'd at your friend's reaction. It's a legit question IMO.

wilked wrote:The best way to drink lots of water is to get a big water container (like a Nalgene) and access to cold water.

This is what I do. I have a 64 oz. Klean Kanteen and fill it with water at home in the morning and drink it throughout the day.

2. regarding the short notice, I have to consider what level of funeral I'm willing to pay for to go home. Dad, maybe brother. that's about it. I'm not paying $3K to see just any dead relative. I think most airline companies will give you 10% off if you provide a copy of the death certificate.

detroitbabu wrote:I do not think Lebron's problem is physical. It is not that he can not post up or he can not play with his back to the basket. The problem is in his mind. At crunch time he defers to others when he has the best chance of making a play.

I agree. He didn't have this mindset in Cleveland though.

wbond wrote:Miami needs to hire a big man coach to teach LeBron how to play with his back to the basket this off season.

Didn't Kobe only do this last year?

Yes, with invested dividends.

Without dividends should be easy enough to figure out?