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We're planning a trip later this year and doing all of the reservations ourselves without any packages. I've already read through a lot of the threads on here about travel insurance, so I have some feel for things like we don't expect to need evac insurance (since we'll be in Sedona, AZ). I've...

Annual open enrollment for benefits is coming up. I have the choice to get either no additional disability benefits (other than what gov't normally pays for disability), or I can purchase supplemental disability insurance that provides 80% of my pay and costs me approximately 1% of my income...

Just went in for an oil change at a chain automotive store. Asked how long it would take, they said 1 hour. I said sure, since I knew we would go get lunch in the meantime. Wife and 11 month old in tow. When we come back, they have our cabin air filter on the counter (to show us how bad it...

I have a taxable account with Vanguard and am planning to move those assets into a Roth (with Vanguard) at the beginning of next year. Is there any way to make the transfer without incurring a taxable event? (I assume the answer is no.) Has anybody done something like this with Vanguard, and...

Does anybody out there invest in socially responsible funds? If so, what draws you to them knowing that returns are usually not as strong and expenses are higher? Any favorites? I recently signed up to receive a ton of prospectuses (prospecti?) for socially responsible mutual funds that I...

Last night I received a powerpoint presentation showing how after about 30 years eagle's beaks begin to curl and their feathers begin to wear. Then they go to a rock, bang their beak on it until it breaks off and grows back new, and then they pluck the feathers and those grow back until they...

Just moved two states away and have to get a new insurance agent because my auto and homeowners cannot be transferred. I've been with State Farm for 14 years, but would prefer a local agent and am considering American Family Insurance. Does anybody have experience with American Family...

For the purchase of our home, I'm looking at two mortgage programs - and I'm fully aware I'm comparing apples to oranges. However, I also know that from a strictly financial perspective there is a way to compare these... I think I'm just getting my head spinning around so much that I'd like...

My family and I are moving into our first home -- we own a condo and lived in it for a few years, but knew we'd be moving soon so we didn't put a lot of effort into making the condo efficient. We now live in an apartment, but will be making an offer today very soon which we expect to purchase...

Andy, I love to post spreadsheets, but the forums won't let me attach XLS files... so I have to rename them to .txt and then tell the users to rename them back to XLS. Any way we can enable XLS attachments? :)

I'm considering teaching a small local intro to personal finance class, and was interested in what topics others thought might fit into the class. Here's a few things I've thought of so far: - Attitudes/Limiting Beliefs about Money - How to create a budget - Debt Management and leveraging (not...

My wife and I are still looking to move to the Pacific Northwest, and we are looking at the possibility of renting our condo to somebody we know and trust and then renting a similar condo to live in. This would at least get us moved to the area we want to be in, even though the market around...

I've noticed that nobody on here but me seems to mention Freecycle. Is it that none of you know about it, or just don't use it? I've found it useful for all sorts of free stuff... mostly for our son. Free baby clothes and a stroller for starters, but we see all sorts of things go by. Anyway...

In a couple weeks I'm headed out on a business trip and one of my many stops will be Atlanta. I'll get in late one evening, and then have the entire following day and evening totally free, then the day after is my business meeting. So.... what's there to do? As a side note, I was born in...

Inspired by this thread on not using TP for a year I am wondering -- in which ways do you conserve resources? I'm sure this isn't an exhaustive list, but here's a few things we do: - Use half the amount of laundry detergent and dishwashing detergent - Sometimes rinse off just-used plates and...

My family (me, wife, son) is generally healthy, and when we use medical services they're usually out of pocket so we have to cover the deductible anyways. I'm wondering... Has anybody here chosen high-deductible health care & an HSA even though they had a good medical plan through work? Right...

Just curious if anybody uses FolioFN for their trading. I guess for those who like to do a lot of trading and rebalancing, or want to own small shares of stocks (i.e. .25 shares of Berkshire Hathaway) it's good, but I'm not sure whether or not the $200-$400 annual fee cuts into the returns...

I figure if anybody would be interested in a free movie, it'd be those who love to LBYM! And considering the movie is my namesake, I had to pass the word along. 10 Free Tickets per Person to opening weekend of "Peaceful Warrior" compliments of Universal and Best Buy. I saw this movie several...

Just curious for all us youngin's -- how much disability coverage do you carry, and is it through your company or a private institution? I recently dropped all of the term life insurance I had through my company and bought it privately because I found it was not only less expensive, but if I...

Delete me.

Background: - A year and a half ago, I bought a Whole Life policy. Current cash value is maybe a few hundred bucks at most. - I intend to retire in my 40's (I'm 29 now). - I contribute heavily to 401k, Roth IRA, and also to Vanguard Total Stock Market Index fund, as well as some other bond-like...

No, I don't mean a coward... I mean... for a newborn. I'm guessing a CD or bond of sorts, but considering the bond part of my portfolio is in private LLC investments with significant minimum investments, his money isn't going there. Basically, here's the deal: We save all of our change, and...

Just curious - anybody else out there consider their healthy choices as a sort of "investing" for their retirement? For example -- do you choose to eat organic knowing it costs you additional, and would you consider that additional cost as "saving" for retirement? Reason I ask is I've recently...

Just curious -- which professionals do you have on your "team of experts" for purposes of life/financial planning? Currently, I have my insurance agent and my real-estate agent (have yet to invest, but may do so near the end of this decline). Right now I feel like my finances are simple enough...

One of the things in 2006 I would like to do is diversify a bit with my investments. Particularly, I'm looking for some equities to invest in with taxable accounts. Here's my current situation to give you an idea where I'm at: 401k: Focused heavily on domestic/foreign equities. Very good...