Bogleheads

The 2009 Yahoo! Rock Paper Scissors World Championship was just won in Toronto. Tim Conrad "combined a scissors-exclusionary strategy with a lethal Avalanche - Bureaucrat combination" to be ...

EMH needs to prove its own case on its own merits.

1) There are green spiders on Venus. (Fama)
2) Show me a green spider on Venus (Reporter)
3) Prove to me there are not green spiders on Venus (F ...

What is the "main risk" if "mortgage must be repaid ahead of schedule." I never heard of a residential "mortgage that must be repaid ahead of schedule?"

well, the cas ...

I'm happy with push-style electronic bill pay. I'll only do automatic billing to a credit card.

I want to see and approve each charge before money leaves my account.

For instance, I feel sorry for those that did pour all their extra money into paying their mortgage to be debt free and ended up losing their jobs and having an 3-6 month emergency savings that was no ...

Now the bulk of the 100k could be invested in other things that could equal the after tax return on the mortgage, even without a great amount of risk.

Can you be more specific? If you invest in b ...

I'm almost ready to refinance my mortgage to a 30-year and lock in a 4.75% rate. It would not really have anything to do with saving money because of a lower interest. It may sound crazy, but I am w ...

Not at all unlikely if the money you would otherwise be using to pay off the mortgage is invested in long-term municipal bonds. Admiral shares of Long-Term Tax-Exempt are yielding 3.83%, and your 29- ...

Check the fine print in your employment and/or options agreements. Some or all forms of hedging your employers stock may be expressly disallowed.

from an ongoing maintenance standpoint we'll be better served in most cases by plain text with light or no markup; a big chunk of complex html with embedded CSS directives (like the quoted forum page ...

After solving the legal problems of claiming ownership, they could simply send out a robotic probe to measure and assay what's in the asteroid, and issue certificates of ownership.

That is, actuall ...

I just signed up as a wiki editor. I definitely have techie skills (I've done surgery on the guts of mediawiki for a private wiki I set up at work).

I'd encourage less-technical people to feel fre ...

Debt: 7200 student loans ($160 a month)

What's the interest rate on this loan and how much does the balance go down each month (how much of the $160 is principal and how much is interest?)

I wou ...

Regarding the asteroid: The extraction costs would of course be extreme, and transportation of something so large would be nigh-impossible, so what I wrote earlier about NASA was tongue in cheek... bu ...

You can invest the cash in Long-Term Tax-Exempt Admiral Shares at a 3.82% yield tax-free, which is better than the 4.5% taxable return you would get from paying off the mortgage, and has very little ...

I heard there are no additional fees. The selling point is that those card users who only pay the minimum on their bill would be credited for 12 months for their finance charges.
They're attempting t ...

Disappointing how often misleading information about PBGC coverage is posted here and in the news media.
we don't have enough information about this specific case to assign blame; it seems likely t ...

The thread subject is misleading -- this is not an official IEA forecast, but the view of a dissenter within IEA.

One way to make the system as fair as possible would be to have a defined benefit pension plan. Everybody gets the same investment return out of the same pool of invested money with no choices to scr ...

Can you elaborate on what you mean by "Call Risk"?
CD's are (conceptually) like bonds -- they are a promise by the bank to pay you interest over a certain period, and then pay you back your ...

This spring, I successfully used http://www.dasautoshippers.com/ to move my car from the Boston, MA area to San Jose, CA.

Because of where their terminal locations were, I dropped it off at one of ...

Perhaps this would be of use?
http://www.mediawiki.org/wiki/Extension:PHPBB/Users_Integration
that seems like a good idea, and I've seen mediawiki (the software used by the bogleheads wiki) work w ...

Any other thoughts or suggestions out there?
I suggest reducing barriers to entry.

I've seen incorrect stuff in the wiki but have never gotten past the entry barrier of registering in order to fi ...

Just got married this summer.

We each have individual accounts at local credit unions and a joint account at "my" credit union which we set up before the wedding.

We have a budget sp ...

I don't know the answer, but when I got my discount for financing, the guy made it sound like there was a - glitch? loophole? wormhole? in their deal with GMAC and HE suggested that I take advantage o ...

Very insightful article. If other fiat currencies collapse, it will tend to drive the demand for gold, not necessarily the dollar.

Gold is bedrock for me. It isn't so much about a "return on ...

Every week is a good entry point for index funds. The more you save now, the more you'll have later. Just set up an automated weekly or monthly investment and forget about it.

(I'm a little annoy ...

But I can't create money!
You can, but it will typically be short-lived.

Write a check and give it to someone.

The check you wrote can be endorsed from person to person in exchange for goods, ...

I read a while back about how money is "created" in the US (and probably many other countries). Basically, it said that if $10 is deposited into a bank, the bank can turn around and lend, li ...

If she pays extra on the loan each month ( of the 1st 10 years) is the extra payment applied to the principal or does it go to the interest?
Typically it would go to principal. Double check the loan ...

a rhetorical question:

what would you have recieved if the whole life insurance premiums, lest the cost of term insurance during the time when it was actually needed, had been invested conservative ...

Reserve Primary is still charging its hostages 12b-1 fees.

You're right, I checked this month's statement and last. The total went down about $220. This is disgusting after 6 years all I'm paying to the mortgage is $225.
that's the annoying thing about long ...

Many people say you should never have more than a small percentage in one particular stock.
To get to that % do you take your total assets or just those in the stock market?
% in stocks.
Others sa ...

Pro: Lower payment drastically for more flexibility
Pro: More tax savings by maxing out 401k
Pro: Inflation hedge with historical low mortgage rates
Pro: Easier to cash flow if you decide to rent ...

Until recently, i believe NIMH were used in Hybrid cars like the Prius.
the 2010 Prius is still using NiMH. There are reports that Toyota is experimenting with Lithium Ion in prototype plug-in hyb ...

Also ... any way of estimating utility bills in a cold place such as St. Paul, Minnesota?
When I lived in the Boston area, there was way too much variance between houses (due to size, age of construc ...

on the other hand, i think it might be entertaining for bogleheads to set up one or more kaching virtual trading / play money accounts according to boglehead principles (buying, holding, and rebalanci ...

It's an interesting question though, as new media continues to dominate. Will reporting for the sake of advancing one's own agenda continue to replace honest journalism as a search for the truth?
ra ...

Ah, the high-minded free market journalism of the WSJ! They bravely expose these tax loopholes, but you "can't blame a guy for exploiting loopholes that Congress offers." Certainly.
so you' ...

However, the impact of this on TSM holders should be miniscule, unless the SEC has been totally asleep at the wheel and unless there are many other bigger Galleons around.
Stories breaking in the bu ...

I can tell you that I will buy ultra short ETFs on both S&P 500 and Emerging Markets should the current rally continue and the S&P get to 1150.

Bad idea. Leveraged and ultra-short ETF's a ...

Paying off my mortgage yields 3.74 after the tax deduction loss is accounted for. One of my best investments ever at present : )

And it's risk free.

Not if house prices fall, you lose your job ...

So, for starters, half of the investment is just plain old common stock in the bank. Stock in a single company. A single small company that probably doesn't trade on any organized exchange and can't b ...

A federally insured institution (FDIC for banks/thrifts, NCUA for credit unions) attracts deposits to some degree because of the $250,000 federal guarantee to deposit holders. Generally speaking, the ...

I did read the prospectus online on their website.
It does not state clearly the assets that will be held in physical gold.
The description includes promises, futures and the sort to be considered & ...

what about allocations to canned goods, MRE's, ammunition?

How come people do this type of back-testing with historical data but not with some sort of Monte Carlo simulation? Showing that an investment plan would have worked over the last n years is not very ...

Gee, I thought it's bank's job to assess the risk of the loans it's giving out (or buying as packaged securities) to people buying houses they could not afford during a housing bubble using 100% lever ...

rather than 'lump sum in at start of period', what do the returns look like if the investor starts with $0 and adds, say, $100 a week over the course of the period under study? that's more likely to ...