Bogleheads.org

I use an iPod Touch as my smart phone. It's not quite a smart phone, but I have one too that I use for things that don't need a connection, like a Chinese-English dictionary, music, photos, and contacts. I also have a prepaid dumb phone for telephone calls. When I need the internet, I can always go...

According to the wiki, reinvested distributions are not subject to purchase fees: http://www.bogleheads.org/wiki/Purchase_fee Reinvested has the requirement of re, as in back from whence it came (e.g., compare turn and return). At least that's my understanding of English. If you look at your choice...

A lot of people used to buy shares in Prime Money Market with their dividends and capital gains (you didn't think Prime Money Market was a fund, did you?), but you have always been able to use your dividends and capital gains to buy any fund you already own. I have used my dividends and capital gain...

burma7734 wrote:When does the Treasury typically announce the new bond rates?

I think this information can be found at treasurydirect.

marci2013 wrote: three days (settlement date)

Is this for a mutual fund like Total Stock Market Admiral shares?

Agree. Just look at the hit Vanguard California Intermediate-Term Tax-Exempt took today as a result.

nisiprius wrote:I fancy they are talking about:

• the little chart you get when you click on "Balances over time" and
• the data and charts displayed when you click on "Personal Performance."

I fancy your fancy.

The boglehead way is not to spill food on your wool pants. Wool is very tolerant of most other things. Dry clean once after 10 years, then again after another 10. Amortize your costs.

I put this in forum issues. I even made a point of referring to forum issues. Was that too subtle?

Just askin'. This is forum issues after all.

No, Stockton is not the name of my new Afghan hound.

I don't know what a portfolio history is. I know what a transaction history is, and I know what a performance history is. Where do you find a portfolio history? What is in it? Does it show all your purchases and sales, i.e., the history of the changes in your portfolio? I can see all my purchases an...

How about a quick search of bogleheads?
viewtopic.php?f=10&t=113965

livesoft wrote:I don't see a problem, but I would not wash all 3 simultaneously.

Yes, better to ruin them one at a time rather than all at once.

I would think worst case would be if you both die this year and you don't collect a single penny. But then you don't have to worry about outliving your other money.

I received a refund for tax year 2009. And the question remains the same: which federal return did it go on assuming it was taxable? Is that the year for which you are amending your return? Perhaps you need to slow down: I paid overpaid state taxes for year X. I received a refund of overpaid state ...

A state refund you received in 2009 was for 2008, not for 2009. Which federal return did it go on?

The instructions tell you what to do. Part of those instructions is to read other instructions (actually, the form tells you to read other instructions). I will tell you this, a state refund sometimes is taxable, and sometimes it is not. It makes a difference. P.S. I would use the 2009 forms rather ...

You must use up at least $3000 of them against income like dividends, wages, etc. But only if you have income. If you only have $2000 of income, you don't have to use $3000 of your losses.* Of course, actually filling out the forms (the Capital Loss Carryover Worksheet and Schedule D) will give you...

MBMiner wrote:If you are your parents

I am still working on this. I will get back to you once I decide whether this is legal or biologically possible.

kitteh wrote:Does anyone know why this thread was locked (and then unlocked)? Was a moderator napping and think it was about Afghanistan?

Yes and then no, but apparently some readers slept through the whole thing.

but still higher than if he took the benefit before he died (assuming before 70).

I think it depends on his name and whether he has ever been locked (up).

There have been several threads on this issue (dividends of international funds). My thought is that the Q1 and Q3 payments are small, the Q2 payment is larger, and the Q4 payment is largest. You know that dividing by 4 doesn't work. 9/2012: $0.343 12/2012: $0.493 Why would you expect that dividing ...

Archie Sinclair wrote:What is VTINX?

Something that changed recently.

What do the words "junky" and "junkyard" have in common? Hint: look at the first four letters. We'll come to you! Once you accept our offer, you will be contacted directly to schedule a speedy and convenient pick-up time that works with your schedule. Get paid instantly on the sp...

Look up the term underwriter.

Ok I set up a duplicate spreadsheet with the new values without Cola (except for my Pension which I assigned a -3.5% per yr going forward). Now If I have my projected Investment Portfolio growth average going forward as say 4.5%... Don't I need to account for an inflation rate going forward that wi...

In 2012 is not the same as for 2012. Contributions in 2013 are not in 2012, while contributions in 2013 may be for 2012.

In support of Mike, the answer to your second question is no.

My wife recently received her inheritance, which thanks to her father's hard work, and her mother's frugality, is substantial. She would like to place a large portion of it in an appropriate investment to use to supplement her retirement and if possible to pass on to her children, so perservation o...

If his income is low enough (I didn't look), he could play the "top up the 15% bracket" game and take the capital gains at 0% tax to set some money aside each year for the house that may never come.

If however you will have to sell some of your investments to buy this house than you want to avoid a stuation where you are selling low to fund the purchase of a home. If a house in the next few years is likely I think your down payment and closing costs should be invested in CDs , i bonds or a sho...

If you gave them $100k, you would have to file a gift tax return. If they give you $100k, they will file a gift tax return. Note the absence of the word "income" from either of the scenarios.

P.S. Filing a return doesn't mean taxes are due.

What about 50% Total, 40% 500, and 10% Extended going forward?

MKP wrote: Quit nit picking-the worst decision you can make is no decision. Look up-analysis paralysis.

What is no decision in this scenario? Do you think he will just keep all his money in his checking account and never invest again?

You could also follow the wiki's example. It uses Morningstar on investor shares, but you can do Admirals.

Edit: I guess you did. I need to read more carefully.

Here is my favorite line. There is a similar line on your 1040.

Under penalties of perjury, I declare that I have examined this certificate and to the best of my knowledge and belief, it is true, correct, and complete

Form 2210 is one of my favorites (I have trouble deciding between it and 709 as my number one). Look at line 1 and line 3 if you must. See how much easier that was to read than the long list posted by lwfitzge?

If you do a really good job of not having any taxes withheld, you will be hit with a penalty for the underpayment of estimated taxes at the end of the year.

I don't look things up for people anymore, but my memory is pretty good. Let's say you started last year and gave $50,000. That $50,000 is split in 5 parts, $10,000 each for 2012, 2013, 2014, 2015, and 2016. This year, the annual exclusion is $14,000. You have already given $10,000, so you can give ...

I don't know Colorado specifically, but title to real property specifically devised in a will often vests in the designated beneficiary(ies) at the time of the testator's death. Knowing what is required is key. See the previous post on the role of executor, that is, to carry out the terms of the wi...

Take a gander at Schedule E. What expenses can you see? If you aren't sure of the meanings, read the instructions.

Thanks for the grab tip. I'm new to mac and been trying to figure that out :) well maybe you are not talking about a mac. when I click Command F, can't find grab? Why would he think you have a Mac? Is part of your photo a giveaway? P.S. I use spotlight to search. Put in grab, and grab is the first ...

This doesn't seem to be the full story as the VTIAX Q1-Q3/2012 dividend made up more than 50% of the 2012 dividend. And what part of that was for Q1? P.S. You didn't give us these choices: "many international stocks pay only twice a year" or "many international stocks pay irregular d...

natureexplorer wrote:1. Are international stocks mostly paying its dividends annually?

I vote for choice 1.

Did you ever wonder why Vanguard's international funds used to pay only once a year?

Answer: so as to avoid questions about why the quarterly dividends were so unequal.

My wife and I are ready for a change If you and your wife are looking for an adventure before finally settling down, rent downtown in a big city for a year or two. I did it for three, from 63 to 66. It was quite different from what I was used to. There were good points (easy walking to top restaura...

Where was the S&P 500 on March 29, 1983? Where is it today?

Note: I understand recency. Picking the historic high as the end point is cheating, but what choice do I have?

I hadn't really noticed it before. I have these funds for a long time, but for some reason I noticed it yesterday. Look at the distribution tab for your funds. What happened last year? If you keep your own records, look to see what happened in 2009, 2010, and 2011. You can also read the prospectus ...

Google Medicare and You. It is the official U.S. government Medicare handbook. You will be sent one later when it is time to enroll, but you can read the pdf now.

letsgobobby wrote:How cumbersome!

Got our $5k I bonds today:

$500x1
$200x1
$1000x4
$50x6

Is this true for everyone else?

It better be. Those are the rules, but you have them out of order. The correct order is
$50x5
$1000x4
$500x1
$200x1
$50x1