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Pacing is vital in a race. Nearly everyone starts out much too fast, and it's tempting to at least keep up with them. Ignore that feeling. Ignore those other runners. Run your own race. Many will pass you at the beginning because of this. Don't worry. But try to remember them, because you'll see mo...

As usual, it looks like the excellent bogleheads wiki has this covered: http://www.bogleheads.org/wiki/529_Cost_Comparisons

Apparently, NY recently lowered their expenses, becoming the cheapest plan: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=96256

Has anyone tried using a Raspberry Pi as a streaming video server? Mentioned in this thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=110322 Brian I use this to play videos stored on my windows computer (using samba). It has good hardware support for videos, so it has no problem wit...

If you really want the cheapest, try a raspberry pi loaded with raspbmc for $35, perhaps a few extra $ for cables, etc. I use this for streaming video from my main computer, or from the internet using the free cable plugin.

Thanks! That concrete example explained to me exactly how a fund calculates its return rate, and I was able to duplicate your calculation. If what the OP wanted is to calculate the rate at which a dollar invested in their portfolio 26 years ago would have grown, it seems like the geometric average o...

You can get an approximation using Excel's IRR function. Here is an example of how you could do it. I've simplified your layout to cover just five years with $100 added each year and a $10 gain each year. (1) Col: A B C D E F (2) G Row Year Start Add End $ Gain % Gain Date --- ---- ----- --- --- --...

Also, do remember, you deduct 401K contributions at your marginal rate, but upon withdrawal, you fill up lower tax brackets first, making the average rate much lower. This is one of the greatest tax arbitrage opportunities few understand very well outside this website. grap The finance buff has a g...

The math here doesn't seem too difficult if you assume your tax rate now is the same as your tax rate later. (It seems quite similar to the question of whether to use a roth 401k). Suppose you have $100 of income and you want to decide whether to put it in your 401k or use it to pay off your loans. ...

Dave, Most people here (myself included) view owning individual stocks as uncompensated risk. See the philosophy for an overview: http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Moving on to your question... There have been a few threads on tax gain harvesting: http://www.bogle...

Yes, I see I was confusing duration and maturity. Thanks for the link, I'm continually impressed with the wiki.

The final factor, of course, is that the total return to the investor is the sum of the interest paid and the change in value of the bonds. Bonds can lose value but the investor might more than cover the loss in interest paid or might not. The concept of duration serves to quantify that in that it ...

Here's a concrete example (hopefully I got the math right). Suppose your asset allocation calls for $1,000 in bonds. You can either: 1. Put $1,000 in bonds in the Roth. This means you have $1,000 more in stocks in your taxable account. 2. Put $1,000 in bonds in the taxable account. This means you ha...

Since the risks are not the same between different bond categories, I am concerned that these risks should be diversified. Or is it just a matter of going after the highest yield for ones desired duration and desired credit quality? I guess it depends on what risks you're trying to diversify. From ...

Your desired withdrawal rate is low enough that you could come close with bonds. Yes but would 100% bond portfolio provide greater 40yr survival rate after inflation than a portfolio that has a mixture of stock & bonds? Keep in mind that the $250K/yr withdrawal will go up each year with inflati...