Bogleheads.org

I'd love to see your material too, ThePrune. Having children aged 21, 17, and 15, I've always wanted to teach them financial management. Recently my daughter graduated from college. I have thought about putting up some basic info together for tennagers. My ideas are starting with asking them some in...

Where and how to buy I bonds? The interest is the same everywhere?

I am interested in commercial real estate. However, my real estate experience is only on residential rentals. What is the mimimum amount cash to get in the door? I don't have inheritance so all I have is the money accumulated over the years.

How did you get the 2%? From where?

But, but
Every single fund I have has at least 9% YTD return except the bond fund which is 1.2%.

Oh, I remember now - I traded 83% of this 401K from the bond fund to another stock index fund on 2/4/2013. Do you think that's why?

THERE MUST BE SOMETHING WRONG WITH MY CURRENT EMPLOYMENT 401K - PERSONAL RATE OF RETURN FROM 01/01/2013 to today IS 2.6% ONLY PERSONAL RATE OF RETURN FROM 01/01/2012 to 04/05/2012 was 5.5%. First of all, I don't know if I need to continue this post because my info has been posted in the beginning, ...

Hi, MnD
The best post ever...
Very curious how the OP's thought about that?

I showed my husband the DVD 'The Smartest Guys in the Room' which was suggested by our fellow bogleheads. That worked for him - he used to own a large amount of one single stock. After watching that film, he sold half of that stock. You can borrow it from your local public library.

I am posting this one to thank everyone of you - My DH finally agreed on selling half of his current company stock (19%) and all of the other prior employer stock (15.6%) last Thurday. Grt2bQutdoors, Postmon, JW Nearly Retired, fh2000, Aptenodytes, Watty, Buckybadger, Peter Foley, and Blacktupelo: Y...

being careful not to push family assets above the protection limit.

I am wondering what you mean by 'not to push family assets above the protection limit'? I have one in college and two more to go.

Hi, ps56k I found your chart so powerful. Just wondering if you will do this every year around the same time, like now. I have been always wondering about their performance before, during and after the crash but can't figure out what I am looking for. Your chart is exactly what I have been looking f...

SSSS, I was shocked too when I received 1099R in the mail last week. My husband and I file 'married joint tax' and 'Marginal AGI' was aruond the broader line of 17,500 for 2012. Therefore, I tested the water by transfer 500 from my checking account to Traditional IRA, then transfer to Roth IRA. Both...

Thanks, Larry. I am getting the books for my husband tonight. Hopefully he will be willing to read them. I will read them for sure.

I was smiling while reading your post, JW. My DH is 'in love' with his company stock. He has experienced 'splits' twice, one with his current company and the other with prior employer. At this point in time, he did gain profits $$ 'on paper' on both cases. Like you've said, hopefully others here wil...

Hi, fh2000
My DH and I have numerous discussions on this. He is expecting the stock price will go up again...

Thanks for the info, Aptenodytes. I will share it with him tonight. Another strong arguement he has is 'he is waiting for the split so he will be having more than 4000 shares over night'. Is there any theory as far as how to predict some stocks will split or will never split? This sounds a very funn...

This is Sumnig - the OP. I am wondering if my bond fund investment and contribution on PIMCO is too way too high. There is another post : Moving from Total Bond to Short Term Investment Grade. And the more I read it, the more I want to move toward that direction. Please help me, bond experts here.

Peter Foley
Where do I find the Callan table?

BuckyBadger, You are not negative at all. This is the reason that I can't sleep well and the reason why I posted it here. Many earlier posters also point it out and I knew it. I just don't know how to solve it. That's why I need some real examples instead of some hypothesis. For example, he refused ...

grt2bOutdoors,
Thanks for the examples. I will call couple of our friends who are still working at GE tonight. How about the 150 years old company? Do we allow to say that company name here? Please forgive me if the answer is no.

Watty,
We both are US citizens and plan on 'paying tax in US'. We will come to visit our children each year. Does that consider we are living in the US and traveling in other countries?

Regarding the allocation %, what is your suggestion? My goal is to accumulate to 'two comma' by year 2021.

JW, I've just spoken to him and the answer is ' no. they are all good companies and their stock are all rising now'. grt2bOutdoors,my DH will totally agree with you. Honestly, I do too. However, it's not Apple or Microsoft. It (37%) just not a good thing. Aptenodytes, I will show the link to my DH t...

Thanks for everyone's reply. I've always learn so much from this forum. Regarding my DH company stock issue, I guess I need to find a better way to convince him. Especially when the stock market is rising, he simply wishes that he had not listened to me for the last 4 months. That way, he would have...

Hi, I am pretty new to the forum. Reading some financial magazine in my son’s orthodontics office while waiting, I wrote down the website name and started my learning journey about a year ago. This is the first post that I try to use the format. Please let me know if I need to provide more info and ...

Is there anybody here who know websites to purchase good quality 2nd hand clothing?

Hi, texasdiver
I'd like to see your pictures. I am pretty new here. How to get to see them? What is PM?

My husband and I are having pretty much the same SS amounts and similar health situation (his mother died as age of 63, 8 years after diagnosed of diabetics and he has diabetics too). The only difference is he is 2 year older than me. Do I use different strategy? (Sorry, OP. I don't mean to interrup...

At some point you may want to deal with the real estate issue. That will result in a big increase in your taxable holdings.

I don't know why the real estate will result in a big increase in the taxable holdings. The real estate is cash-in-flow from the rental income, isn't it?

Never been to Costa Rica (yet), but I spent some time in Panama a few years ago and it was awesome. From what people have told me, Panama is what Costa Rica was like years ago before all the tourists came. There was lots to do, and it was one of the cheapest vacations I've ever taken. Climber2020 Wo...

This is the OP.
Thanks for everybody's contribution. As far as the budget, texasdiver, would you please provide some rough numbers $$ about those activities? I got the basic idea about how much $$ the rental car and the living place cost.

Hi, my fellow Bogleheads Back in November, I've had posted 'to go or not to go - family trip to Europe'. Those wonderful suggestions are highly appreciated and well kept in my file for the future references. During our outing to Chicago at Christmas, we (including the kids) had a thorough discussion...

Thanks, everyone, for all kinds of suggetions. Every post helps to shape this trip. Caduceus, would you please offer more your experience about 'travel like a student'? And anyone has info about Barcelona, Spain?

I so appreciate everyone's post... Can't say enough to express my thankfulness. My thoughts have been cleared up - you should all see me nodding my head all the way while reading. (I should have used 'experencing' instead of 'educational' :) in my writing.) Sorry about my mistakes. Now I only need t...

I’ve been thinking about a family trip to Europe in summer next year. We have three children, 21, 17, and 15 years old. My daughter will graduate from college next summer and my son will graduate from high school. When they are getting older, I figure we probably won’t have many opportunities to tra...

Very happy to hear the good news!!
- I moved from windy city, Taiwan to another windy city, US about 20 some years ago -
Taiwan is such a friendly country. Can't wait to move back there in retirement.

Please explain what you mean by "floating issue". I am not familiar with it either. Floating means you got a high amount of financial aide from the school for freshman year - $16k in my daughter's case. So we thought we could afford to send her to the school. It's 8K for the 2nd year, and ...

I appreciate so much for everyone's reply.

My oldest daughter is a senior in an ivy league school. Because we didn't know the 'floating' issue, we have had paid so much tuition for the last four years and now we are pretty much out of cash. Then, I realize we have an on-line stock trading account that we could get some cash out. We have not ...

We had jobs with pensions and 401K matching (not federal jobs) early on in our careers and then built up a couple of businesses later on in life. I know of number of people who started something on the side, saved up the side income, and then quit their day jobs when they had enough savings as a fa...

I can't persuade my husband to get term life (probably because he thinks someone else will take care of me and our three teenage kids). Who will be so studpid to do that anyway??? So I bought it last year for myself $500K a 10-year term life with 41 premium a month. Our youngest one will graduate fr...

What is the mutual fund?

The ratio of retirees to active workers in US will be dramatically shifted. As retirees sell stocks and then bonds to support their living, there will be fewer younger investors to buy those stocks and bonds. Anyone has good ideas about how to face the coming demographic change? I guess the retireme...

Thanks so much for the advice. How do I start investing in a mix of low cost index funds? I am new so please let me know what to read and learn. Start with the Wiki: http://www.bogleheads.org/wiki/Getting_Started tlugwig23, do you mean I have to pull extra money from my salary to invest in those lo...

As for you, you have to choose how to invest your money. "Passive income" is no different (except for IRS treatment) from what most Bogleheads do (investing in a mix of low cost index funds). It is just a different investment with a different set of risks, costs, and possible rewards. Risk...

One of my friend is earning much higher than we do (1 million a year at least) and he can claim loss on all of his 8 rentals. Why is that? More likely (and alluded to in CaliJim's post) is, since he earns seven figures, he is probably invested in one or more entities that generate "passive inc...

One of my friend is earning much higher than we do (1 million a year at least) and he can claim loss on all of his 8 rentals. Why is that? More likely (and alluded to in CaliJim's post) is, since he earns seven figures, he is probably invested in one or more entities that generate "passive inc...

We have two rental property in the same subdivision. The first one was bought in 2008 and 2nd one was in 2009. For the personal income tax return filing of 2008 and 2009, we got to claim loss on them. Since I got a good bonus for 2010 and 2011 plus my husband's higher salary, we can not claim any lo...