Bogleheads.org

jon-nyc

I initiated the purchases today, 7k in each of mine and my wife's IRA. I also initiated the max (deductible in NYS) contribution on my 529 today, another 10k.

jon-nyc

“Stocks appear to have reached a permanently high plateau”

- Irving Fischer, October 16th, 1929

jon-nyc

alpenglow wrote: ↑Sun Jan 14, 2018 3:30 pm I worked for the trading arm of Datek Online. Ah, the good old days.

I worked for Waterhouse securities. As a consultant. I was there when TD was sniffing around and when they bought them.

jon-nyc

CAsage wrote: ↑Wed Dec 13, 2017 12:58 pm Beat to death, and also explored well, in depth, etc:

viewtopic.php?f=2&t=233726

Thanks. Out of habit I tend to stay in this sub forum, so I totally missed it.

jon-nyc

Lets say you were interested in accelerating certain deductions from 2018 and even future years into this year. Please, lets not talk about why you might you might want to do that, as that would likely violate the forum rules. For the sake of this thread, just take it as a given that someone might w...

jon-nyc

My GE stock is getting close to that point! :( Ha - GE is the only single stock in my portfolio. I bought in in 09, so the capital gains have prevented me from selling it. Based on advice from this forum, I decided several years ago to transfer it over time to a donor advised fund. So unfortunately...

jon-nyc

2529.88

jon-nyc

1968.9

jon-nyc

0.5% for the year, according to XIRR.

jon-nyc

It depends on how much you have won by. If you are just a bit above the winning point, that is one thing, and, if you are way, way above the amount you can conceivably think you will ever need, that is another. For the former, maybe 50/50 or 40/60 makes sense, but, for the later, 10/90 or 20/80 cou...

jon-nyc

Thanks for the replies, all.

jon-nyc

My assumption is, if you partially redeem an iBond, you are considered to have withdrawn principal and interest in proportion to what the makeup of the total bond balance is. In other words, say you had a 10k bond with 5k of interest accrued, so the balance is 15k. You redeem 3k. I assume it is cons...

jon-nyc

Ive had two different home inspectors say that, around here anyway, water heaters tend to last around 10 years. I moved in to a house with one that was 10 years old. I fully intended to swap it out before it went. Then it went before i got around to it. On thanksgiving night, when i had 6 overnight ...

jon-nyc

Mine will be smaller than usual. It's kind of full already. So I won't go beyond the 10k that the state of NY subsidizes.

jon-nyc

I got 7.38% using XIRR.

I'll take it.

jon-nyc

1968.0

jon-nyc

No such guarantee exists.

at least theoretically all the bonds could default right after you buy the fund.

jon-nyc

I wasn't born to rich parents, far from it, but they valued education and the house was swarming with books. Lots of traits that help you do well in life also have reasonably high heritability (e.g. Intelligence, time preference, etc). So you can be part of the lucky sperm club even if your parents ...

jon-nyc

High salary, LBYM, a fortuitous IPO at a young age, and Boglehead investing. Or as Dandy says - Luck. Good for you. :sharebeer Plenty of luck involved, of course. Starting with being born to the right parents in the right place at the right time, all the way through surviving 9-11 because of a sche...

jon-nyc

High salary, LBYM, a fortuitous IPO at a young age, and Boglehead investing.

jon-nyc

Hey everyone, I understand the Fannie Mae and Freddie Mac bought mortgages from banks to open up credit in the market. But where did they get the $ to do so? I read that they get the $ by repackaging the mortgages and selling them out to other people, but I dont really know what that means. If some...

jon-nyc

Fortunately I maxed out my 2014 purchases when it was at 0.2%. And half of 2013s allocation as well. I feel lucky to have 30k worth at that amount.

jon-nyc

I guess that's no surprise.

http://www.treasurydirect.gov/news/pres ... atespr.htm

(forgive me if there's a thread on this already, I didn't see one)

jon-nyc

Thanks for all this info. There's a lot for me to investigate. I wish there was a consultant I could hire to do this... does anyone know?

(FWIW, my in-laws are in PA, not NY)

jon-nyc

Hi All - I'm in the process of trying to help my in-laws out of some ongoing financial difficulties. They spend an extraordinary percentage of their gross income on Medigap coverage, Medicare Part D premiums, and out of pocket drug expenses. I'm trying to see what I can find in terms of less expensi...

jon-nyc

Hmmm.... Maybe a nice holiday gift for my 5 year old.

jon-nyc

In terms of the war's aftermath, I think there is no greater work than Paris 1919: Six months that changed the world by Margaret Macmillan. (She happens to be the great granddaughter of Lloyd George, FWIW).

jon-nyc

DesertResister wrote:
gkaplan wrote:Barbara Tuchman's The Guns of August
This is an outstanding book.

I think that particular book of hers is horribly overrated.

Even the abridged version of Churchill's WWI memoir offers a far superior treatment of the events leading up to the war.

jon-nyc

I bought a new car last year. About 3 weeks later I got that same letter, except it seems to have been spit out of their computer in error. In place of '2013 Fit' it said '[year, model]' and in place of my name was '[customer name]'.

jon-nyc

I call my MIL by her first name. Other appellations come to mind, but would get me in trouble.

jon-nyc

For two years or so, my wife and I each had family healthcare plans provided by our respective employers, paid for partially by payroll deductions. They were two distinct plans from two distinct national carriers, each covered the entire family. (ignore for now the fact that we wasted money on dupli...

jon-nyc

To the original question, I got my fill in February, like a always do. Last year that hurt me, this year it is helping so far.

jon-nyc

I just ordered 1000 checks for 30.45 at Costco. (costcochecks.com) It incuded tax and shipping. Much cheaper than the other options. Dang, that's a lot of checks. I think a 1000 checks would last me about 50 years. I think i'll get 15 or so out of it at my current rate. But by then maybe we'll fina...

jon-nyc

I just ordered 1000 checks for 30.45 at Costco. (costcochecks.com) It incuded tax and shipping.

Much cheaper than the other options.

jon-nyc

Thanks for all the suggestions, everyone.

jon-nyc

Yeah, yeah, I know... 'what's a check?'

Well, I write quite a few. And I need more.

Obviously I don't care what they look like, I just want to buy them cheap and in quantity.

Any recommendations?

jon-nyc

Tarrytown is a better option than White Plains if for no other reason than the train ride has fabulous scenery. The train goes right along the Hudson, with a view of the Pallisades. You will have no problem parking on weekends.

jon-nyc

Congratulations!

jon-nyc

The folks at xkcd did this cartoon to explain how the bug works.

http://xkcd.com/1354/

jon-nyc

If you don't say yes to this I'm going to disguise myself as you, go into your boss' office, and say yes for you.

jon-nyc

cflannagan wrote:A lot of 20's.

Did they all account for mortgages, student loans, auto loans, etc when calculating net worth?

I did. I had no mortgage, no student loans, and no auto loans at the time. Just assets.

jon-nyc

Examples of payment systems that are not US fiat, widely used already in the US, include: gift cards, paypal, frequent flier miles. People figure out how to charge & get paid in these ways, presumably not just for illicit activities (I've never heard of anyone selling dime bags for United miles...

jon-nyc

The biggest question is who is going to track all of this? The exchanges? The individual? Companies that take it in exchange for other goods and services? If it is truly not a form of "cash", it would make me hesitiate to accept it as a form of payment. RM To your first point, I assume it...

jon-nyc

How do you know if you have a virus? It hurts when you type 'P'.

Seriously, though, thanks for the recommendations and comments all.

jon-nyc

There have been previous threads on this but given the speed with which technology changes I thought I'd start another to get some more recent input. What anti-virus or anti-malware programs can you recommend for the Mac? Our Macs have always gone bareback here but my wife's been nervous lately afte...

jon-nyc

This reminds me of a story from years ago - a friend of mine was a trader in a small regional brokerage. They would berate the research guys over their 'hold' recommendations. His line was 'I've got buy and sell tickets, but I don't have any hold tickets'. (This was before automation so there really...

jon-nyc

Securities lending. But it wouldn't be much. Then again, a passive investor shouldn't cost them much either.

jon-nyc

Man you guys are all pretty dumb. To think I thought the Boglehead crowd was smart.

(totally kidding)

jon-nyc

My gain was in the 7 figures - a decade of Brooklyn gentrification was very very good to me.

I know, I know - first world problems.

jon-nyc

Excellent - i should have avoided the word 'deduction' to avoid confusion with schedule A deductions.

I can reduce my proceeds by the amount of transfer taxes. That's good to know, saves me probably 10k in taxes!

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