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An additional consideration is that you do not have to hold the I-bond for the full 12 months. You can hold the I-bond for 11 months and a few days and still get 12 -3 months interest at redemption. This is due to the fact that if you walk into a bank on the last business day or two of the...

Thanks for the tip, I'll take a look at VTSMX. Also Thanks for the information regarding the reduction in expense ratio. Now that I am re-reading the prospectus it does say investor shares can be converted to Admiral shares if you meet eligibility requirements. That's great as it cuts them by...

Hello all, I'm taking a look at index funds that attempt to track the SP500 today for a taxable account, particularly Vanguard VFINX and T. Rowe Price PREIX (I have accounts with both companies already). Most of the advice online I've read says stick with the index fund with the lowest fees...

Wife and I paid for our own wedding. THe topic of who was paying actually never came up ahead of time and we just went ahead and took care of everything. Worked out fine and we spent on things we wanted and could justify to ourselves. Worked out great.

Line "A" is the clincher for me in comparing the three plans... I strongly feel that everyone must be in for it work. Also, it's not time to give a freebie to corporate America to offload their responsibilities for employee health care to the tax payer. I don't think Obama goes far enough in...

How long have you owned your residence? 7 years, home built in 1954. how much sg ft? 1450 How often have you replaced carpet? 1 time in family room, tore the carpet out of the rest of the house cost per sq ft? We bought stainmaster carpet, my wife works at Lowe's so with the discount it...

We use the VISA for a lot of things and pay it off monthly. Our rewards program is not cash back, but instead is a selection (pretty wide actually) of gift cards and trinkets. We exchange the rewards points for gift cards which works out great, for example, around the holidays. Hey, a $50 Best...

Sure they would (stand again in line for soup)!!! People will do what they have to do to survive - personally I have stood in line for cheese as a child on more than one occasion. I'm quite confident people will adapt and make do.

Same experience as my wife. We traded in a Corolla that she was repeatedly getting stuck with, no issues since we bought the forester.

I guess we got sucked into the AWD pitch too...my wife gets up for work at 4AM and drives up the spine of the mountain about 17 miles along a notoriously foggy and weather struck section of interstate 81 in central PA. Often she is fine on the highway, but she is typically driving down the...

The Civic is a nice car. We evaluated it closely along with the Toyota Corolla. I decided to go with the Corolla - basically on a coin flip. That was 11 years ago and i have 231k miles on the Corolla. I still get 33 miles per gallon (3 speed automatic). Newer models get better gas mileage. I...

No, we're buying Capital Appreciation in tax deferred accounts (IRA rollover from 401(k) and Roth. The 61% cash position is because we are doing a dollar cost averaging in my 401(k) rollover from a previous job instead of a lump sum buy (I've read a lot her about pro's and cons on that, but I...

Yes, I do pretty much the same. Right now I'm using 6%. We were using 8% till 4 years ago, then we reset our expectations. Right now we are allocated a little heavy to cash, (according to Morningstar XRay) 61% cash, 31.5% stocks and the remaining 7.5% in bonds. We are moving some of that cash...

I'm staying on the sidelines right now and probably for the next few months at least. Wife and I find ourselves currently set up in about 55% cash / cash equivalents. We're still dollar cost averaging into the market via 401k's and IRA's, but for other cash, we're staying on the sidelines...

Amen - and that's the answer to what was done under Bush 1, Clinton, etc in terms of long term planning. And it's also the reason why the "market" won't magically work us out of this problem without significant pain and risk that a long term, viable solution can not be found. It's why the...

I'm always amazed by the idea, almost religious belief, that the market can take care of these issues 100% on it's own so sit back and watch innovation happen - no offense to the poster...It's entirely possible that, in this case, with such a complex problem, that events may move too quickly and...

Hard to get excited about Citi here though for me. It seems like a broken business model. Tough to spin off pieces to raise capital when private equity deals have evaporated and all the other financial firms are firefighting their own balance sheet. I'm going to steer clear myself.

Well we've got 5 in Pennsylvania (and one really famous one...) so the rest of the country needs to catch up. :)

Yes, I hear you. We paid our house off last summer (35 years old for me, 33 for wife) and the major motivation had come in 2000 when the mega-corp I worked for at the time laid off 10% of the development staff and then, 6-7 months later, laid off 50% of the remaining staff...fortunately I...

Keep the porn - but where do you get free high speed internet access to get that porn? ;)

Very true. It reminds me of a phone call recently. One of my brothers employees bought an Apple for his wife. She works on Windows PC's all day, but wanted the Mac because she didn't want to continue having problems with malware, adware, etc. So the idea for them was great - if they didn't like...

Well....With Wintel you can install windows or linux for example. On a Mac (which also now uses intel hardware) you can run Windows, OS X or linux, so it seems you have more choice on the Mac than on windows machines. That is also why when I go to developer conferences probably 1/2 the...

It's interesting to read the comments from Jim Alchin, etc - and to see that Steve Balmer himself was in on a number of the emails in this chain. It was clear to a number of folks there that this labeling of 915 video chipset laptops as Vista capable was not in the best interests of...

True, the oil sand deposits in Alberta are huge, to the tune of (according to Wikipedia) 174 billion recoverable barrels per the Canadian government at the "current price". This is out of 1.7-2.5 trillion barrels total. Very impressive. Oil shale is another petroleum option and in that case...

It very well may be and I might be reading too much into it... However, I don't know that those who came close to the old limits are high rollers in all cases - and not just a frugal person living below their means as many here do, but with a lower risk tolerance. It also makes me wonder why...