Bogleheads

On a shop with that many passengers and crew, I would be more concerned about the danger of contaminated food, water, etc. or of a contagious illness - than I would about lifeboats or sinking.

A small organization I manage has a web site currently hosted by hostway.com. They offer email as part of the package, but we are not using that email now. I am considering/planning to switch to the h ...

There are (or may be) several reasons for these "odd" terms for CDs:

1. The institution has a known need for funds at that maturity. Perhaps they have loans coming due in that time, or so ...

We have gone on two cruises to Bermuda in the past 15 years. Now, I notice that the ships that can (or could) go into Hamilton or St. Geoge's are being phased out - replaced by larger ones that have ...

Just wanted to mention not to overlook credit unions for short term cash reserves. In my area they have rates far exceeding the local banks and are competitive with some on line accounts. Rates here a ...

Using some other insurance related situations:

1. I could argue that a parent (who is an essential provider of income to the family) of young children should not buy life insurance because the chan ...

In the Washington DC and Baltimore MD areas, there is an organization UBS (united Buyers Service) that directs you to a dealer and an individual at that dealer when you have the car picked out. This s ...

I am looking at my liabilty exposure. I have half interest in a farm that seems to be fully exposed to liability claims even if I declared bankrupcy.
The farm has a tax value of $400,0000.

I have ...

Are IRA's, 401Ks, and TSP accounts exposed to personal liability claims?

I am looking at getting an umbrella insurance policy to protect any of my exposed assets.

It deends on the nature of the ...

Unless things have changed a lot in the last several years, my understanding is that a change in your participation must be consistent with the life changing event. In other words, the change you make ...

Buysider, there's also a link @ the SEC which says practically the same thing.

And it has less to do with worrying about the commingling of assets and more to do with it following FDIC rules for ...

Am I in this situation you describe?

I manage investments for an entity that currently has about $1 million in laddered brokered CDs at Vanguard Brokerage Services. The account is in the name of th ...

I wish poster would specify their location. In Wisconsin, Milwaukee county, I haven't been refused any

Washington DC area.

I don't have the problem ... YET. Since I will be eligible for Medic ...

As I approach Medicare age, I am concerned about two conversations I had over the weekend with friends/acquaintences. One person related the difficult search for a phycician (or physicians) who would ...

The question then is -- is this a certified check? I mean if I get a check for say $90k that's not certified, I think it'll take another 5 days to clear when depositing at another bank, no?

" ...

My parents say the real estate agents were telling them that they can remove me and my brother from the deed in one year or so, when they can qualify for a loan themselves. That sounds sketchy to me. ...

Whole life never makes sense, never, never, never........

I'm no expert on insurance, and certainly not a fan of whole life, but I'm not sure I'd go this far. How about last to die policies? The ...

It is my understanding that the dealership (and/or various folks at the dealership) make less on a cash sale than on a financed sale, because the dealer (and/or flks there) get a cut on selling the fi ...

Yes, it happens.

A few years ago, the benefits director of the local Catholic Diocese and her sister (not a participant in the health plan) went out west (we are on the east coast) and each had cos ...

From little research what I have done, it seems new ceramic heater are safer than coil based heater.

I like these small, ceramic heaters for supplemental heat. Maybe I am missing something, though, ...

My credit is kinda poor and I am thing about paying off some debts with a personal loan. Are there any pitfalls that I should be aware of? Or a better route to take?

You can not borrow your way ...

Contract is supposed to be a negotiated agreement or understanding. To commit to something without the opportunity to discuss or view would very unlikely be held up in court in my opinion.

I do not ...

Generally, I lean towards fixing rather than replacing.

Questions to ask:

1. Are you (primarily your wife) happy with the car (once it is fixed)?
2. Will it be reliable enough for your needs?
...

I'm working with a lender on a mortgage (ING Direct's Easy Orange product), and noticed that Truth-In-Lending says the following:

Please read through your mortgage contract documents for additional ...

On Wednesday, I had a minor car accident. I was waiting to take the last right turn before I get to my office, and I let my foot off the brake and idle into the bumper of the person in front of me. ...

That's never happened to me.

What I am afraid of in a lot of hotels/motels is the "courtesy" snacks and drinks (such a $5 for a bottle of water). I never consume those, but am often afrai ...

I heard a local investment advisor on the radio yesterday. He stated that bonds are ok but as they come due people should invest in other vehicles like private riets.

This was a statement to the ...

I loaned my son more than $13000 this year. I did a wire transfer from my account direct to his. The bank person said they would have to report it to the IRS for gift tax purposes. So, are you sayi ...

No reporting unless the transfer involves cash currency. It's called a Currency Transaction Report.

Opening up two accounts to break a transaction into smaller pieces to avoid scrutiny could be in ...

A friend of mine thought he would get the first time buyer's credit this year. Much to his disappointment, he was told by the IRS that he did not qualify because he bought the home from a relative.
...

Is there a symbol that mirrors the prime rate ?

I am interested in charting it vs various bond funds, ETFs, and the inflation rate. Preferably beginning before 1980.

thanks

http://www.wsjprim ...

The problem/risk in giving advice and assistance in such situations, in my opinion and experience, is that the person will only hear (or remember) part of the information. If, for example, you suggest ...

My wife took out a CD of about 5K for her IRA in a local, regional bank. Six months into the CD duration they announced a $75 fee to cover their costs.

Can they just keep charging whatever amount ...

$16 plus about $3 tip at Hair Cuttery - about every 5-9 weeks or so.

On the other hand, an "in trouble" bank may actually need to attract funds (through higher rates on brokered or other CDs) to survive. In that case, purchasing a higher rate CD from a somewh ...

One thing. Never assume you have a right to early withdrawal. You might or you might not. Terms vary. Be sure you have read the terms and conditions for the specific CD and be sure you know what it sa ...

The current FDIC federal insurance backing is $250,000 until 2013, when it drops back to $100,000. I's bet that Congress will make the $250,000 permanent before then. This is the same backing for fede ...

Isn't it interesting that we've decided certain things are "tipable"
and others aren't.

The biggest confusion I have is when you bring your food to the table
and a server brings somethi ...

I rarely get take out from a regular restaurant.

Normally, I would have said no tip required.

However, I have noticed how this coffee shop/diner where I often eat lunch/dinner handles take-outs ...

I rarely get take out from a regular restaurant.

Normally, I would have said no tip required.

However, I have noticed how this coffee shop/diner where I often eat lunch/dinner handles take-outs ...

Don't do it!!

Hypothetical example:

Purchase price: $100,000
Down payment: $20,000
Other expenses (spread over a few years $15,000)

Split down payment and ownership. YOU pay $10,000 of expe ...

Who cares about Liz Ann Sonders view on anything.

Now the view of Liz Ann Sonders is a different story. Very Happy

I could not agree more!!!

I think there needs to be more word spread on Doggie, Kittie and Bunny Heaven.

If I had a bunny that needed $200 for just about anything, "Bunny Heaven" would be imminent.

I have Vonage for a 2nd line.

I don't understand OOMA. How can they provide this service indefinitely for no added charge?

"If it sounds too good to be true, it probably is."

Or a ...

I remember her from Wall Street Week.

Liz Ann Sonders could talk me into anything. Smile

I have Vonage for a 2nd line.

I don't understand OOMA. How can they provide this service indefinitely for no added charge?

"If it sounds too good to be true, it probably is."

Or a ...

Try these - not on Metro, but ask about shuttle. MUCH lower in price.

http://book.bestwestern.com/bestwestern/productInfo.do?propertyCode=09101

http://www.tripadvisor.com/Hotel_Review-g30242-d23 ...

My wife and I differ. She tells me she would like the standard, traditional arrangements. Viewing, embalming, calling hours/wake, and funeral, burial, regular casket, etc.

I want something very in ...

I would use a lawyer who specializes in estate planning. If you are looking for someone to draw up your documents, use someone who does it every day and they will be able to do it faster (and for les ...

Hello forum,
My wife and I are trying to figure out if it is a good or bad idea to try and pay off our car loan so that we are able to qualify for a bigger home loan.
We currently have around $3 ...