Bogleheads.org

Google "permanent and total disability student loans". Note you only have to be disabled for 5 years for this to be applicable. You can cancel your federal student loans based on a permanent and total disability. All federal loan borrowers are eligible for this discharge. Parents with PLUS...

Maybe this "Optimal lazy portfolio rebalancing calculator" will be helpful. I found it useful in initially setting up my portfolio. http://optimalrebalancing.tk/ BTW I am an investing newbie too and know how intimidating everything can be and yes, getting it as close to "right" a...

Dear Mr. Bogle,

The dedication to The Bogleheads' Guide to Investing says it best:

To John C. Bogle...While some mutual fund founders chose to make billions, he chose to make a difference.

Your choice has made all the difference for me, and countless others. I can't thank you enough.

I decided against a "smart" TV partly due to privacy concerns as detailed in this article: http://www.nbcnews.com/technology/your-tv-watching-you-latest-models-raise-concerns-483619 Is your TV watching you? Latest models raise concerns Samsung’s 2012 top-of-the-line plasmas and LED HDTVs o...

$250-300 a month for groceries only, one person. No sundries included, rarely eat out. Almost everything is organic including the non-vegetable items. Food is one of the few areas where I do not stint on costs (within reason) as I believe food is directly related to health. I did not find a vegan di...

Parts of the show were a great vindication of the Bogle(head) Philosophy (which I am eternally grateful to have stumbled across when I needed it), even if it wasn't spelled out as such. I was happy to see the mention of index funds, but wish the overall impression had not been left that investing is...

Had Liberty Mutual for many years, just switched to AARP Hartford. Very pleased with rate and total package (auto-renter's-umbrella).

Thanks for your informative replies, everyone. Very helpful for better understanding how the 911 and cell phone systems interact.

If your area has E911 location capabilities, this can often be better than the Smart911 profile. With location abilities, they can tell where you are whenever you call 911, which can happen when you are away from home with cell phones. In fact, I've only called 911 once from home in the past decade...

Evidently, when you call 911 using your cell phone, usually your exact location such as street or apartment number is not pinpointed. Smart911 allows you to create a profile with 911 that you can personalize with address and directions to find, medical info, etc. The profile must be updated every 6 ...

I use a combo rice cooker/veg steamer that is almost foolproof. It makes cooking very easy. There are many kinds available and some are quite fancy. I like this one: http://www.amazon.com/Stainless-Steel-Cooker-Model-Formerly/dp/B000I5UEQM If it is not super easy and almost "not-cooking" I...

I did this last year and got an old insurance refund sent to me--about $170. Free money! I found several different databases to check.

I have found the reps very courteous and helpful. I also like the website and find it easy to use and informative. I guess I am not too picky.

63,retired. 30/70 stocks/bonds: 20% Total Stock Market 10% Total International 35% Total Bond 35% TIPS/I Bonds Plus I have a hefty dollop of ready cash earning a little interest which I don't count as part of the above portfolio, for now. I am a newbie investor and this is my psychological cushion I...

My apt is under 500 Sq feet and has everything I need. It is modern and cute, in a desirable location with a view out the huge windows. I did have to get used to the size but now quite like it. It is 2 rooms plus kitchen and bath and the price is right. I had to pare down my possessions which I need...

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I have a question about unequal shares for the grandchild on SSDI--isn't this a case for a special needs trust? An outright inheritance could stop all support from SS and any state support? As long as we are talking solely about Social Security Disability Insurance (not SSI--Social Supplementary In...

Latecomer,

When deciding if I needed a Medicare supplement I found previous threads on the BH forum to be enlightening. Good luck on your quest.

I use Rotten Tomatoes and IMDB (Internet Movie Data Base), but do not generally watch current movies. IMDB is also good for reviews of the premium cable shows which I watch a lot of on DVDs from the library.

I used to read Roger's reviews on the Chicago Sun Times.

Bacchus01 wrote:Interesting, I've moved $400K to Vanguard since Jan 1 and not a single welcome phone call.

They sent me a nice Thank You card

The internet is a wonderful thing. Forget using supermarket boxed color; I order professional hair color online and researched until I learned how to mix it for a beautiful, natural result. I save gobs of money and cover my gray. The key to this is to keep it simple and not try for fancy highlights,...

Escape from Camp 14 by Blaine Harden. The true story of Shin Dong-hyuk, born and raised in one of North Korea's political prison camps and and how he escaped in 2005 against overwhelming odds. A horrifying story of the unbelievably evil regime that exists right this minute.

I sold my old car within a few hours on Craigslist, describing everything I knew to be wrong with it. If it runs at all, around here it will easily go for $500 minimum. After the sale I immediately went to my state DMV website and registered the sale (be sure you get the buyer's name and address) to...

Maybe the Fairmark forum: http://www.fairmark.com/forum/

So happy to see you back Munchkin Man, and with such great news too. Your absence here was noted with sorrow and concern among your many fans, but all is well now!

Thanks for sharing the details of your inspiring journey.

Welcome newinvest, I hope you can take comfort in knowing that the loved one who left you this gift would doubtless be proud that you are making the most of your inheritance and going about it the smart way (by coming to the Bogleheads). IMO, fortunate are those find their way here with a windfall ....

I would feel safe enough sending the form to TD via US Priority Mail Flat Rate Envelope (within the US). Fast, includes Delivery Confirmation and costs about $5.

Agree getting the form signed, etc. is a real pain.

One more reason to stay healthy and out of the hospital.

Talking about your own investing strategies and experiences (while keeping the focus on you) might be an indirect way of getting your points across without seeming critical. Not sure there is much you can do if dad does not want advice.

I found my local credit union at http://www.depositaccounts.com/ where I have rewards checking with 2.5% interest on the first $20k. The depositaccounts site has CD rates and more. It is also easy to open a Treasury Direct account for I bonds. You can search the Bogleheads site for other emergency f...

Old enough to know better.

livesoft wrote:Invest in your health.

I could not agree more. Few realize what health is worth until it is gone.

While researching insurance I checked my CLUE report (insurance claim record--see Wiki). To my surprise my call for roadside assistance included in my old insurance was listed as a $47 "claim". (I had left on an interior light causing a dead battery). So I will no longer use any insurance...

While researching insurance I checked my CLUE report (insurance claim record--see Wiki). To my surprise my call for roadside assistance included in my old insurance was listed as a $47 "claim". (I had left on an interior light causing a dead battery). So I will no longer use any insurance ...

Welcome to the forum, ACE. I just increased my insurance coverage and changed carriers after many years with the same company. While you are waiting for someone else to answer your questions specifically (sorry I don't feel qualifed), you could try searching the forum for some of the many inurance t...

From another newb--

Thanks for the support and hand-holding,everyone. I know there are a number of others on the board who have recently gone more or less "all in". I feel like we're in good company on the rollercoaster and I've buckled up for the ride.

This is why a vehicle with a timing chain, not belt, is my preference. Good for life of the car.

I learned this the hard way after a failed timing belt destroyed my vehicle back in the day!

TroutMD wrote:I jumped all in over the past few weeks.

I agree, it was difficult because 'its a high'... but there is ALWAYS another high.

Bite the bullet and do it and forget it!

I just did the same. No regrets. In for the long haul!

Can you post a link to a bulk LEGO set? I greatly enjoyed having a tub (or three) of LEGOs as a child. There was a sheet inside my big plastic tub, and the rule was that I could build anything, but the LEGOs could not leave the sheet. This made clean up really really easy. However, I can't seem to ...

But that's nothing . John Templeton said "In general, we have thought that this very long bull market in bonds must be somewhere near the end." When do you think he said that? Hint: It had to be earlier than July 8, 2008 . Google on that phrase and you can find the posting in which I quot...

Honda Fit :happy +1! Fun to drive, surprisingly roomy interior (two bicycles + car camping equipment + backpacking equipment + fishing gear + luggage for one week for two people easily fit in the back with the seats down), Honda quality all for well under 20k new. I'm hoping to keep mine for at lea...

For what it is worth, I was just in a similar position, having finally received the last part of my inheritance. It is the biggest lump sum I have ever had and there will be no more new money as I am retired. After holding back ~$55k in cash I had $326k to add to my current portfolio. It was hard to...

I agree. That title, plus "The Bogleheads' Guide to Investing" , were the 2 books I found most indispensable as a newbie to investing a few years ago. As a complete novice, I found they presented vital information in a way I could understand and use. I have both books on my shelf for refer...

I too would like to say I would have been absolutely lost without the Bogleheads. I had no knowledge whatsoever of financial matters when I came into a windfall, which to me represented a large sum and life-changing event (even if modest by forum standards). I was afraid and unsure, knowing only tha...

I think this goes back to "The Majesty of Simplicity". But, I was wondering...was the TIPS fund discussed?

My experience at my local School of Dentistry has been highly satisfactory. They are my dentist for life!

Yes, thank you all for this thread! Very helpful, like so many wonderful BH threads.

VictoriaF wrote:Someone I know has bought a Honda Fit with the manual transmission. She has not driven MT before, and I feel competitive.

Victoria

My Honda Fit is my first MT car, too. It is a great choice in the Fit.

The last time I heard about this promotion, you had to have one of the checking accounts that has a monthly fee attached to it, such that you still get free money but not as much; enough that I decided it wasn't worth the bother. Did they change that now? There was a monthly fee if you did not keep...

I did this at Chase last January (although it was for only $150) and maintained the account for about 7 months and then closed it. I just got the Form 1099 a few days ago. I should be eligible to do this again pretty soon so will check in to it! :D They also have a savings account bonus deal but it ...