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Ohhh think i finally get it guys- thanks for the info! I will try plug this stuff into taxact which is the program i used last year. Was getting a bit confused because i thought the federal tax bracket income tiers excluded capital gains income. Yea might sell the stock in bunches over the next few ...

thanks for the input guys- really appreciate all your words of wisdom. this is stock shares from the dissolution of a trust so I believe that the cost basis is from the time of purchase. and just to clarify- so because i'm in the 10% federal tax bracket, all 100k+ LTCG will be taxed at the 0% capita...

Hey everyone, I tried searching for the answer but i was probably using the wrong phrasing. Real basic question- do significant long-term capital gains (in excess of 100k) bump you up tax brackets? I am lucky to be inheriting a significant amount of stock shares that have done well over the last few...

Thanks for the responses everyone. Langkawi- haha, can you tell that I'm an iphone user? I bet if TD starts using ibond instead of I Savings Bond, the debt problem would be solved. So much sleeker and refined-sounding.... sscritic- damn, you basically did everything for me. Thank you so much! Its gr...

Hey everyone, I'm having some trouble locating banks in my area that offer paper ibonds. I've found a few that sell to non-account holders, but the maximum is only 1k. I don't relish taking a day off just to drive around to 5 different banks to purchase the 5k max. I've heard about the mail order th...

i swear it's karma or divine intervention telling me to stay the course. Just today i was driving home along the highway and a rock came down and smashed into my front grill. It was large enough that if it went over my hood, it definitely would've shattered my windshield, possibly injuring me and if...

okay, time to be serious. I still plan to follow my IPS when my CD matures in a few days. A little bit glad the funds came off their year long highs due to the oil price drop, but I would've bought regardless of what happened- i don't know much about investing but I know the perils of market timing ...

wow, so many great responses. Thank you for all your input and I'm glad to know that some of you have also struggled with this in the past. I've always tried to place a far greater emphasis on experiences/skills acquired in life rather than material possessions, but cars are definitely my Achilles h...

was kind of curious if anyone on this board has had the urge to make a fairly significant purchase primarily based on the prestige accorded, rather than the utility you could derive from the object. The most common example that comes to mind is buying a luxury car. The boglehead doctrine shuns such ...

Im planning on purchasing 10k of ibonds this may. I was wondering what the issued date is for i bonds purchased at a bank since they mail you the actual bonds. I was planning on purchasing them at the very end of the month in person but dont want to accidentally miss out on a months interest.

:D Make lists for the grocery store. AND stick to it. Theres supposed to be a gene that if it remains "wanting" food, keeps you alive longer. So I stay hungry (sort of). Rarely go out to eat. Only buy sales, discounts, and never impulse buy. Never carrying cash helps too. Agree accept for...

greenspam wrote:so, when the new inflation rate kicks in, what will be the new total rate for my vintage 2001 i-bonds (3% fixed rate) ???



7.669% ??? sweeeeeeeeeeeeeeeeeeeeeeeeeeeet. (ps thanx mel)

pure awesome incredibleness. wish I had bought some ibonds when i was 13.

thanks for the feedback everyone. will go out and buy as much ibonds this may as I can afford. this forum is really the best- i'm lightyears ahead of most of my college buddies and I'm certainly learning a lot from the suggesting reading list, the bogleheads wiki, and just perusing these threads fre...

wow, i didn't realize they could be used for school expenses as well. They definitely do seem to be more versatile than a tips fund and I did forget about the fund's operating costs and the difference in interest between a tips fund and an i bond is pretty much negligible. how do you guys think of m...

Hey everyone Im currently trying to figure out my bond allocation and having roughly 10% in total bond market (im 23) im looking to add around 10% more. Since im in a taxable account only (fulltime student entering med school this year) it was suggested i look into ibonds- state tax free and i can p...

Thanks for the links to the cpi. Is there any way to try and estimate what the fixed rate will be around?

Im just curious how you feel if i went half total bond market and half i bonds/tips fund? Seems like this allocation would be helpful if interest rates go up and will be good if they stay the same for a while. How is the tax efficiency of a tips fund in comparison to a total bomd fund? Should i go w...

Hey guys thanks for the response. I think i like ibonds mainly because they would in essence be taxfree for me. The federal standard deduction covers all my dividend and interest income and ibonds are exempt from state taxes, right? I should probably cash them out before 30 years though, correct? Il...

Hey everyone, I have a question about my bond allocation for my portfolio, which due to school and no investing knowledge when I was working part-time, has lead to it being exclusively in taxable accounts at vanguard. Currently I am ~10% of my total portfolio's value in Vanguard's Total Bond Market....

wait until May 1, when new purchases will earn over 3% for the next six months. More like 4.6% on May 1. It is still sounds too good to be true but looks like really true. 8) could you please cite your source or describe how you came across this number? I'm not calling you out or anything, but I've...

Just bumping this thread for hopefully a response.

could someone please link mr. swedroe's article where he explains using a mid cap value fund? I've been wondering if there's perhaps some sort of value premium that only exists in large cap or mid cap companies and if I should tilt to large/mid value as well as with small value. Thanks in advance

man, this thread really hits home.... I had to put my 21 year old cat to sleep earlier this afternoon, who I've had for the last 18 years. She was my oldest friend and made the bad times manageable and the good times all the better. She was such a major part of my life growing up and my house defini...

it's great to see there's so many doctors on this site! And ones who are actually encouraging about med school. I think classes are also a little easier now since so many schools are pass/fail. Not saying I'm going to start slacking off, but I won't have to kill myself studying to fend off all the n...

Hey everyone. Didnt think my post would stun everyone into silence. Once again any feedback would be greatly appreciated even if its a simple agreement with my plan or a complete renunciation of it. Thanks!

hey emergdoc, thanks for the response! Well, I'm in an extremely fortunate circumstance with fairly affluent parents and grandparents, who built up a well-established financial position over the years and while they're definitely savers rather than spenders, they have given me numerous and sizable m...

-Age 23 -$0 Earned Income (1st year med school student) so everything is in TAXABLE ACCOUNTS -Have 12+ months emergency funds (plus the ability to leech off of my family if I need too, i.e. live at home, plus a generous med school scholarship (along with a stipend that I will DCA into my funds) make...