Search found 482 matches

by Clever_Username
Wed Sep 02, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: Watching NFL Games Via Webstream
Replies: 16
Views: 1952

Re: Watching NFL Games Via Webstream

As a Browns fan my team is never on national TV. We're a bunch of sorry sad sacks. Sunday ticket or no game for me. Without looking, I suspect the Eagles have quite a few national games this season. They can score. Your team has two national regular-season games this year, same number as my Cardina...
by Clever_Username
Wed Sep 02, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Watching NFL Games Via Webstream
Replies: 16
Views: 1952

Re: Watching NFL Games Via Webstream

I agree. I believe direct tv is the only licensed carrier for live NFL games. Anything else live streaming is not legal and usually of poor quality. With direct tv my brother was able to play a live game of our choosing last year in good quality on his phone while we were sitting in port waiting fo...
by Clever_Username
Fri Aug 28, 2015 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 76
Views: 5411

Re: Take a 0.74% car loan or pay with cash?

Does the loan require you to have insurance at a level you otherwise wouldn't have?
by Clever_Username
Mon Aug 24, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 6780

Re: Who's selling now?

I was planning to sell about $40k worth of stocks in taxable at the end of the week (I made these plans a week or two ago) to pay down my mortgage before a refinance. Now I'm a little hesitant, even though I recognize that (1) my desire to pay down the mortgage (as a means of towards a future down p...
by Clever_Username
Sun Aug 23, 2015 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Not a market timer but......investing vs student loan payoff
Replies: 14
Views: 1124

Re: Not a market timer but......investing vs student loan payoff

Eliminate the debt :happy Let's say I do eliminate all the student loan debt in the next 2-3 years. Are you also advocating attacking mortgage next? Haven't run the numbers to determine my tax-adjusted mortgage interest rate, but I suspect it's in the 2s. If you're doing backdoor Roths, you're in a...
by Clever_Username
Sat Aug 22, 2015 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Woot woot! Company is moving 401k Plans!
Replies: 12
Views: 1434

Re: Woot woot! Company is moving 401k Plans!

I can't wait until my employer switches out of voya. They don't offer a match and the fees are ridiculously high. I herd rumors we will be moving to fidelity but I haven't heard anything since the last all hands meeting. I think the match is a company plan item, not related to who manages it. In fa...
by Clever_Username
Sat Aug 22, 2015 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: 5-Year BS/MS programs computer science
Replies: 15
Views: 1217

Re: 5-Year BS/MS programs computer science

Assuming you have no intention of doing a research-based MS or a Ph.D., but do want the bump from the MS, and can spare the year, I think it's great. You can usually get better graduate level courses than the students coming in for just that degree, too.
by Clever_Username
Fri Aug 21, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11284

Re: With Stock Market heading south

Sorry if this upset someone or there was a post started already. I was wondering what people thoughts are and what they maybe doing? Thank you for the input. I don't think you upset anyone, beyond that it gets discussed a lot. Most people will have the same reaction -- "I'm not doing anything ...
by Clever_Username
Fri Aug 21, 2015 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Woot woot! Company is moving 401k Plans!
Replies: 12
Views: 1434

Re: Woot woot! Company is moving 401k Plans!

That's awesome news. Who was it before? Did you have a hand in their decision to change?
by Clever_Username
Wed Aug 19, 2015 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Refinance a few years before sale?
Replies: 9
Views: 822

Re: Refinance a few years before sale?

So your new rate would be 3.25% and your current rate is 3%? And increasing your rate would cost you $2,000? And the new one would be an ARM as well? I don't see any positives in this refinance and would just stick with the mortgage you have now. The new one would be a 5/1 ARM, so the rate would st...
by Clever_Username
Wed Aug 19, 2015 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Refinance a few years before sale?
Replies: 9
Views: 822

Re: Refinance a few years before sale?

As an update: I looked into the refinance and added the details into the original post in this thread. I'm as confused as ever about whether or not this is a good idea. If anyone can provide some more insight now that I have some numbers to look at, I'd appreciate it.
by Clever_Username
Tue Aug 18, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Should you "weight" pre-tax and post-tax money differently when you AA?
Replies: 55
Views: 2351

Re: Should you "weight" pre-tax and post-tax money differently when you AA?

For instance, instead of having $10k international total market in the 401k and $10k domestic total market in taxable... flipping them so domestic is in 401k and intl is in taxable is more efficient. Doesn't this depend on your tax bracket, due to International's difference in tax credit (benefit) ...
by Clever_Username
Tue Aug 18, 2015 3:22 pm
Forum: Investing - Theory, News & General
Topic: The future of bonds? (Charles Ellis)
Replies: 11
Views: 1122

Re: The future of bonds? (Charles Ellis)

How much is Charles Ellis worth? How much is Warren Buffet worth? How much are you worth? Got it? What's good for a very wealthy individual may be substantially different than one who is worth low seven figures or even less than that. Exactly. There's a fancy term for it, even, something like "...
by Clever_Username
Thu Aug 13, 2015 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio is Only For Gains?
Replies: 14
Views: 1485

Re: Expense Ratio is Only For Gains?

ER is the expense incurred as a fraction of the total value of the fund. They don't deduct the ER from your initial investment. There are funds with purchase fees (and some with loads), but those aren't ERs. I suppose if dividends were less than the expenses they need, they might have to figure som...
by Clever_Username
Thu Aug 13, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: "If your bank knew you did this they'd freak!"
Replies: 22
Views: 5771

Re: "If your bank knew you did this they'd freak!"

I always assumed they lead to the old -- and, in case anyone doesn't know, incorrect -- trick of writing "paid in full" in the memo section of the check you use to pay a mortgage (or a credit card, etc). There used to be people saying that if the debtor accepted and deposited a check with ...
by Clever_Username
Thu Aug 13, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: More Individual Municipal Bond Shenanigans [Edward Jones SEC overcharge settlement]
Replies: 27
Views: 2110

Re: Edward Jones fined for overcharging muni bond customers

Surprisingly useful information, actually -- might help folks convince others out of going to EJ. What's been the biggest regulatory controversy with Vanguard? I think once they were investigated for charging too little. Far better than being fined for overcharging :-)
by Clever_Username
Thu Aug 13, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3710

Re: Is 401K Match included when someone asks you how much you make per year?

To me, it's a benefit, although the total compensation package is something to look at when evaluating a job. I found out recently that I'll be making about $2000 more in 2015 than I previously expected. My mind went immediately to the extra matching dollars than the extra cash in hand. I'm not sure...
by Clever_Username
Wed Aug 12, 2015 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio is Only For Gains?
Replies: 14
Views: 1485

Re: Expense Ratio is Only For Gains?

So is it only on dividends? For example if I invest 25K in a fund will it actually put 25K in the fund or deduct the ER from that initial investment. ER is the expense incurred as a fraction of the total value of the fund. They don't deduct the ER from your initial investment. There are funds with ...
by Clever_Username
Tue Aug 11, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: Interesting comment from a gold/silver dealer today
Replies: 27
Views: 2324

Re: Interesting comment from a gold/silver dealer today

Kinda like the shoe shine boy talking about stocks. I remember the Police Squad! television show. The shoe shine boy knew everything. First they look at gold, and see that it has decreased since its bubble-ish highs. Then they look at silver becuase of all the new TV adverstising. No telling what w...
by Clever_Username
Mon Aug 10, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11258

Re: Retirees: Questions you hate being asked

I think we're on the same page too. I was just trying to point out the inconsistency of considering someone who works his butt off volunteering for no pay as being successfully retired while considering someone who gets a few bucks for doing something he enjoys as being a retirement failure. I thin...
by Clever_Username
Mon Aug 10, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 8687

Re: Who are you able to share good financial news with?

I was thinking of this today when I found out that some overtime I'll be doing in the near future pays more than I previously expected (by a non-trivial margin). I'm not sure who I'd share that with, but it's obviously good news (even though it means I'll be able to realize fewer capital gains this ...
by Clever_Username
Fri Aug 07, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: 24 Year Old just starting to plan for retirement... Need Advice!!
Replies: 17
Views: 647

Re: 24 Year Old just starting to plan for retirement... Need Advice!!

How did you get set up with this financial advisor? Whole Life is an occasionally useful tool for various matters, many of which relate to estate planning. None of these affect you. Start by making sure you're getting the maximum 401(k) match at work. Then, determine whether or not accelerating debt...
by Clever_Username
Tue Aug 04, 2015 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Quitting after maternity leave
Replies: 8
Views: 1158

Re: Quitting after maternity leave

One thing I'd check first: assuming the maternity leave is paid, see what obligation(s), if any, it brings for return. For example, and I know it isn't a perfect comparison, I know some companies pay holidays only if you work the workdays before and after.
by Clever_Username
Tue Aug 04, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11258

Re: Retirees: Questions you hate being asked

Tried concentrating on golf but that wore thin pretty quick since my normal playing partners were at work and I was over a decade too young for the local senior games. All credit to you guys for developing interests outside work. My plan if this happens to me is to find other matches. If this were ...
by Clever_Username
Tue Aug 04, 2015 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Help with American Funds please!
Replies: 18
Views: 1262

Re: Help with American Funds please!

And I do have another question if you would be kind enough to help again. Would it be best to go into the bank and tell them to sell the funds and return to cash and then transfer OR contact Vanguard and then let them take care of changing the funds over to theirs. I'm not sure how this transfer wo...
by Clever_Username
Mon Aug 03, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: Retiring in 10 years
Replies: 24
Views: 2618

Re: Retiring in 10 years

My friend recently asked me (finally!) for some suggestions on what she should be doing to prepare for retirement. She wants to retire in 10 years, but isn't in a position financially to do so. Thus, she's taken some dramatic steps (sold her house) and wanted to start a rental house business for ex...
by Clever_Username
Fri Jul 31, 2015 10:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard TR funds hold investor class shares?
Replies: 11
Views: 777

Re: Vanguard TR funds hold investor class shares?

ResearchMed wrote:Our large-employer 403b plan has "Investor" share class for the "core" Total Stock/International/Bond funds, and not Institutional.



I'm similarly confused that my 403(b) through Vanguard -- I also work for a large institution -- has investor-class shares. :shrug:
by Clever_Username
Thu Jul 30, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: Waiting for the dip to add funds? Good luck!
Replies: 9
Views: 1597

Re: Waiting for the dip to add funds? Good luck!

grettman wrote: If anyone knows a way around this manual process with VAnguard ETFS, I'd love to hear it.


My way around it has been using the mutual fund instead of the ETFs. I guess this depends on why you chose ETFs over the Mutual Fund structure itself. Any particular reason?
by Clever_Username
Wed Jul 29, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Refinance a few years before sale?
Replies: 9
Views: 822

Re: Refinance a few years before sale?

One other question: what do I consider when calculating the break even point? Any money I save in the reduced payments would simply be applied to the balance of the loan; the amount I'm going to pay each month isn't going to change. All that changes is the required amount and possibly the amount app...
by Clever_Username
Tue Jul 28, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: Rick’s Top Ten List of When Not To Invest
Replies: 16
Views: 4183

Re: Rick’s Top Ten List of When Not To Invest

His observation was that winners don’t do anything special; they just make fewer avoidable errors than the losers. In investing, what separates winners from losers is the number of unnecessary mistakes we make. So very true in so many things. I got better at golf playing this way too. Great list, a...
by Clever_Username
Tue Jul 28, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Refinance a few years before sale?
Replies: 9
Views: 822

Re: Refinance a few years before sale?

Thank you both for your responses. If you are going to move in 3 years, plus or minus a year, I think I would be sure that all of my closing costs would be paid off in well less than two years. My son refinanced his home 13 months ago, and was ahead after about 8 months. Shop around, some institutio...
by Clever_Username
Tue Jul 28, 2015 1:27 am
Forum: Investing - Help with Personal Investments
Topic: Refinance a few years before sale?
Replies: 9
Views: 822

Refinance a few years before sale?

Hello again all. Executive Summary: I currently live in a condo. In about 2-3 (I hope absolutely no more than 4) years, I plan to buy a house. I'm currently a little over nine years into a 30-year adjustable-rate mortgage on a condo and am seeking more information about refinancing. The condo and th...
by Clever_Username
Mon Jul 27, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA with Vanguard- Assist with fund choices
Replies: 6
Views: 410

Re: Roth IRA with Vanguard

I'm helping a friend open a Roth IRA. She is 58 years old and plans to retire in 2 years. With extra cash on hand and under the full contributory limit she wants to invest in an IRA. I recommended Vanguard funds. Good recommendation. Which funds would be the most tax efficient or does it even matte...
by Clever_Username
Sun Jul 26, 2015 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing capital gains towards a shorter-term goal
Replies: 12
Views: 659

Re: Realizing capital gains towards a shorter-term goal

It looks like my choices are short-term savings (either the limited-term federal fund we discussed earlier or a MM/savings account/appropriate-term CD, and accepting that this is a lower effective return rate than my current mortgage, although in exchange I gain some liquidity) or paying down the m...
by Clever_Username
Sun Jul 26, 2015 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing capital gains towards a shorter-term goal
Replies: 12
Views: 659

Re: Realizing capital gains towards a shorter-term goal

If you have a bond fund with a five-year duration, and bond rates rise by 2%, you will lose 10% of your investment. But since the yields rose by 2%, you will earn 2% more every year, so if you hold the fund for five years, you break even. If you hold for less than five years (or hold for five years...
by Clever_Username
Sun Jul 26, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing capital gains towards a shorter-term goal
Replies: 12
Views: 659

Re: Realizing capital gains towards a shorter-term goal

Can I get you to clarify something for me? Your bond holdings should not have a significantly longer duration than your time horizon; if rates rise, you will lose money and not have time to make it up from the higher yields. Thus, while CA Intermediate-Term Tax-Exempt is a good fund for a CA investo...
by Clever_Username
Sun Jul 26, 2015 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Alert. Scam with callers posing as IRS agents...
Replies: 46
Views: 4296

Re: Alert. Scam with callers posing as IRS agents...

I use 800-call-notes or similar websites to check unknown numbers. If a number is associated with a scam, I just add it to the "scammer" contact list and set the ring tone to "crickets" so I don't even hear the ringing unless I'm in a very quiet room. It's surprising how rarely ...
by Clever_Username
Sat Jul 25, 2015 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: What should I put in my Roth IRA if TDF's are "bad?"
Replies: 24
Views: 981

Re: What should I put in my Roth IRA if TDF's are "bad?"

I've been hearing from different sources (research and people) that a target date retirement fund isn't the greatest fund to have your Roth IRA. I just opened a Roth IRA and have maxed it out at 80% VFFVX (2055 tdf) and 20% (VGSTX) STAR fund. I'm still young, 26, and will likely be able to put abou...
by Clever_Username
Fri Jul 24, 2015 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing capital gains towards a shorter-term goal
Replies: 12
Views: 659

Re: Realizing capital gains towards a shorter-term goal

It's $5000 of net capital gains. If you have tax software (even last year's; the numbers have changed slightly), you could fill out a mock tax form to see how the forms work out. There should be a worksheet for computing Modified AGI for IRA eligibility I use an EA; it started when I had a fairly c...
by Clever_Username
Fri Jul 24, 2015 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing capital gains towards a shorter-term goal
Replies: 12
Views: 659

Re: Realizing capital gains towards a shorter-term goal

According to IRS Publication 590-A, Contributions to IRAs , the modified AGI for Roth IRA contribution does not need to be adjusted for tax-exempt interest. Thus, if you are trying to keep your income below the Roth IRA eligibility limit, putting the money in municipal bonds will help. (Another alt...
by Clever_Username
Fri Jul 24, 2015 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Realizing capital gains towards a shorter-term goal
Replies: 12
Views: 659

Realizing capital gains towards a shorter-term goal

Executive Summary : I want to sell some stock funds in my taxable account to use towards a goal whose timeframe is such that stocks aren't an appropriate risk level. This is slightly complicated by needing to keep my 2015 AGI within a certain boundary. I'm aware this isn't in the traditional "...
by Clever_Username
Fri Jul 24, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Can I link Vanguard company 401k with my Vanguard personal investor accounts?
Replies: 7
Views: 663

Re: Can I link Vanguard company 401k with my Vanguard personal investor accounts?

I believe it's possible. My 403(b) is through Vanguard and shows up when I log into my personal account. My asset allocation is also shown across all accounts (IRAs, taxable, 403(b), 401(a)), which is pretty neat.
by Clever_Username
Fri Jul 24, 2015 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Performance review for Boss!
Replies: 20
Views: 2294

Re: Performance review for Boss!

If this is part of a 360 review (great tool, BTW), then it should be anonymous. If it isn't, tread carefully, be nice and respectful and gauge your responses as you would in a personal meeting. Ugh, 360 reviews. At a former job of mine, my boss's boss would receive all 360 reviews about said boss. ...
by Clever_Username
Thu Jul 23, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 7121

Re: Greatest money lesson movie

Not surprisingly, one of my favorite movies of all time, Layer Cake (2004) , has some great money lessons. Of course, a large part of the plot revolved around the protagonist preparing for retirement. "What was true then is true now. Have a plan. Stick to it." I guess that's the big one, b...
by Clever_Username
Wed Jul 22, 2015 11:04 pm
Forum: Personal Consumer Issues
Topic: Moving to Los Angeles
Replies: 21
Views: 2101

Re: Moving to Los Angeles

One thing I was thinking was that if we wanted to expedite the process of building a downpayment, we could lower the 401(k) contributions until we purchase. I'm assuming this is a suboptimal strategy. Any opinions on this? I considered and rejected that strategy mostly due to cost. My marginal rate...
by Clever_Username
Wed Jul 22, 2015 6:02 pm
Forum: Personal Consumer Issues
Topic: Moving to Los Angeles
Replies: 21
Views: 2101

Re: Moving to Los Angeles

Meanwhile, I've waffled between paying down my mortgage (figuring the equity in my place could be applied towards the down payment; I don't know enough about contingency offers in real estate to know how good or bad that is), saving in cash, or taking some risk A good real estate agent should be ab...
by Clever_Username
Wed Jul 22, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Moving to Los Angeles
Replies: 21
Views: 2101

Re: Moving to Los Angeles

I can't help you with the "where in L.A." to live parts, despite having lived in Los Angeles for two separate sets of six years each, and am currently three years into my third stint living in the city. But I can try to lend some help in other areas, plus I have a related question I want t...
by Clever_Username
Tue Jul 21, 2015 3:04 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3639

Re: When did you start investing in the Market?

Deliberately and on my own? Summer 2008, I was an intern at Boeing. Even interns can contribute to the 401(k) there (or at least could then -- I haven't checked back since), and got a 6% match if we contributed 8%. I left the money -- I put in a little over $1000 that summer -- in the 401(k) before ...
by Clever_Username
Sat Jul 18, 2015 11:16 pm
Forum: Personal Consumer Issues
Topic: Replacing wireless router - advice needed
Replies: 21
Views: 2170

Re: Replacing wireless router - advice needed

Even though my cable modem is one I bought in June 2006, my wireless access point -- an 802.11N from monoprice -- has worked very well for me. I've had it for almost four years. On that note, I probably should replace my Cable Modem at some point, but making sure I get one that Time Warner will allo...
by Clever_Username
Fri Jul 17, 2015 11:20 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 94
Views: 5646

Re: Pros and cons of adding Roth Option to 401K Plan

livesoft: thank you for the very detailed reply. I really appreciate it.

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