Search found 311 matches

Return to advanced search

Re: Bad 401K better than nothing?

placeholder wrote:For a temp job load it up since you can move it when you go.


If you need/want more tax-advantaged space, this is a great way to get it (as others have said). Bad 401(k)s have a habit of becoming good IRAs -- especially after a temp job!
by Clever_Username
Wed Apr 23, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Bad 401K better than nothing?
Replies: 7
Views: 530

Re: Typical fees for an account with Morgan Stanley ?

I have a friend who's been with Morgan Stanley since 1998. Last year, LAST YEAR! 2013 they managed to net an annual loss of 10K on his 250k portfolio. :oops: How did someone lose 4% last year? I'm wondering if I'd even be able to do it if I started January 1 2013 with full knowledge of what has hap...
by Clever_Username
Sun Apr 20, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Typical fees for an account with Morgan Stanley ?
Replies: 20
Views: 1626

Re: POLL: why carry cash?

I also always pay cash for gas. All the stations here charge a higher price for cc purchases. The station price situation is the same here, but the prices are usually 1% higher, while my CC gives me 3.3% back on gas purchases, so I come out paying less via credit card (plus the convenience). Might ...
by Clever_Username
Sat Apr 19, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7498

Re: Amazon.com prices change quickly

If you think Amazon's prices change quickly (with Amazon as the seller), watch out for those 3rd party sellers! ;) Amazon’s $23,698,655.93 book about flies http://www.michaeleisen.org/blog/?p=358 Huh. And I thought that the Blu-Ray of the fourth Pirates of the Caribbean movie going up $2 or so yest...
by Clever_Username
Sat Apr 19, 2014 2:34 am
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 53
Views: 4714

Re: POLL: why carry cash?

I almost never use cash. Maybe once a month I'll go to a family-owned restaurant near me that asks customers to pay cash if the bill is under $10 or so. They'll take CCs for any amount, but ask otherwise. When I go with friends and the bill is easily over $10, I pay with CC. Groceries, online orders...
by Clever_Username
Sat Apr 19, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7498

Re: Losing job-financial advice

Boglemama wrote:Any additional advice?


Depending on the school where the tenure isn't being granted, consider applying to next-tier schools. It isn't uncommon for someone who is denied tenure at, say, a U. Cal school to apply to Cal State schools if there is still the desire to stay within academia.
by Clever_Username
Thu Apr 10, 2014 2:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 1909

Re: Anyone else very reluctant to buy right now?

cfs wrote:Just a few months ago we were talking in a different language.

"Why Bonds at all? . . ."

"Why not one hundred percent in equities . . . "



I wonder if we'll ever get a series of posts by people asking if the new general rule should be age plus something in bonds.
by Clever_Username
Mon Apr 07, 2014 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12211

Re: "78%" Of course ?

And, of course, 78% of all internet-posted statistics are made up. GD: Where did you find the "78%" figure? Thank you and best wishes. Taylor I quote: "78% of all internet-posted statistics are made up." - Abraham Lincoln. That ought to put a bow on this little debate. And Abe d...
by Clever_Username
Fri Apr 04, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Please help identify quote: I'm richer than he because...
Replies: 28
Views: 2782

Re: Is transfering my savings to a mutual fund a good idea?

Thanks, Duckie. I thought I had to include it, even without going for saver's credit. Less work for me to worry about next year.
by Clever_Username
Fri Apr 04, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Is transfering my savings to a mutual fund a good idea?
Replies: 16
Views: 1820

Re: Laid off today... TODO list?

To be eligible for unemployment, you have to be honestly looking for a new job correct? Not that op has indicated plans to do anything fraudulent, but a couple of the responses have been kind of murky. I contemplated something like that last summer. I was laid off last June, but had a job lined up ...
by Clever_Username
Thu Apr 03, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9702

Re: Cutting ties with Cable

There are plenty of great live sports you can watch without a cable subscription. For reference, my television set has an antenna (not a great one), a desktop computer, a Roku, and an Xbox hooked up to it. I've had exactly one year of my adult life in which I had cable. * Football (Spring/Summer): C...
by Clever_Username
Thu Apr 03, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Cutting ties with Cable
Replies: 43
Views: 2462

Re: Is transfering my savings to a mutual fund a good idea?

I am not sure about this but I don't think you even need to report the Roth contribution because you are not deducting anything. The mutual fund company will report it for you to the IRS. You report the Roth contributions so that the IRS knows what portion of your Roth IRA is a contribution, in cas...
by Clever_Username
Thu Apr 03, 2014 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Is transfering my savings to a mutual fund a good idea?
Replies: 16
Views: 1820

Re: which fund for 23yr old

ps56k wrote:BTW - [different topic] wouldn't that also be true at the other end of the spectrum -
in let's say early retirement - with NO earned income, you could no longer fund an IRA ?


In any year with no earned income, you cannot fund an IRA.
by Clever_Username
Thu Apr 03, 2014 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: which fund for 23yr old
Replies: 10
Views: 620

Re: Laid off today... TODO list?

I worked for a company whose policy was the moment you tendered a resignation armed security was called, you were escorted back to your desk to remove personal items and then you were walked out. A real walk of shame in front of everybody. Consequently I and most others chose to leave like thieves ...
by Clever_Username
Thu Apr 03, 2014 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9702

Re: Mr. Money Mustache: Hero or Foolish?

My second summer job paid $20/hour Maybe in construction during the housing boom? Interned at a company that does defense contracting. This was in the first decade of the GWOT, although I was at a civilian branch of the company. , and my third north of $30/hour. Ok, now that's just impressive, doin...
by Clever_Username
Wed Apr 02, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 252
Views: 27920

Re: Mr. Money Mustache: Hero or Foolish?

I hear you on the increasing cost of college (brutal), but it's not too tough for a college kid to get a summer job making $15+/hour. That seems unlikely unless they already had a career before going to college. I didn't have a career prior to college unless you count private tutoring. My first sum...
by Clever_Username
Wed Apr 02, 2014 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 252
Views: 27920

Re: Warning: Stocks Will Collapse by 50% in 2014

I remember hearing this about 2013. I'm glad I didn't sell that January!
by Clever_Username
Mon Mar 31, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Warning: Stocks Will Collapse by 50% in 2014
Replies: 21
Views: 2809

Re: Mr. Money Mustache: Hero or Foolish?

That said, if someone in his family comes down with a health condition, or his kid decides to go to college, it could be a struggle. Health insurance has been addressed in this thread already; I won't rehash it. As for college, do you really see a kid raised by him wanting to go to a super-expensiv...
by Clever_Username
Mon Mar 31, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 252
Views: 27920

Re: Poll: how did you decide on stock/bond allocation?

I'm not sure which option this falls under. I was just shy of 30 when I started taking this seriously (finishing graduate school in my late 20s may have been part of it). In Scott Adams' The Way of the Weasel , he suggests 30% bonds / 70% stocks (no longer a constant he stands by, I believe) and, co...
by Clever_Username
Sun Mar 30, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Poll: how did you decide on stock/bond allocation?
Replies: 35
Views: 1863

Re: [Poll] Which of These Types of Investments do you Own?

Basic three fund portfolio, plus a muni bond fund used towards an intermediate term purchase. Will be buying I-Bonds in the near future, too, but I didn't click the choice for those (will do once I own \geq 1% of my portfolio in them)
by Clever_Username
Sat Mar 29, 2014 1:54 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2217

Re: getting employer to change 401k

dansnad wrote:2. Is it even worth investing if my wife won't retire for 20-30 years? Which option?


Does your wife intend to stay with this particular employer for that entire time? I ask because bad 401(k)s have a nice habit of becoming good t-IRAs upon separation.
by Clever_Username
Thu Mar 27, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: getting employer to change 401k
Replies: 10
Views: 514

Re: What happened to SoCal Chapter?

What goes on at these meetings anyway?

I'm interested just the same.
by Clever_Username
Thu Mar 27, 2014 1:38 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What happened to SoCal Chapter?
Replies: 7
Views: 727

Re: Phone calls trying to sell me stocks

I'll be sure to gather the name of callers if it happens in the future. Right now, I have only the phone number I was called from. Are there any formal complaints I can file with just that information?
by Clever_Username
Sun Mar 23, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2004

Re: Mutual Fund Help and Advice

I'd suggest reading Asking Portfolio Questions and editing your post accordingly. That will allow us to give you a meaningful response.
by Clever_Username
Sun Mar 23, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Help and Advice
Replies: 7
Views: 368

Re: Phone calls trying to sell me stocks

Have a cheap phone with caller ID and an answering machine and simply do not pick up. There is no reason to know what unknown people are trying to sell you. I have caller ID on my phone (mobile is my only one). One of these days, I'll learn to not pick up the phone for unknown numbers. I used to ge...
by Clever_Username
Wed Mar 19, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2004

Re: Phone calls trying to sell me stocks

That sounds like them, yes. Too bad the CT thing expired almost two years ago, or I'd let them know of what happened.
by Clever_Username
Wed Mar 19, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2004

Re: Phone calls trying to sell me stocks

First, thanks to everyone who told me what's going on. As far as coincidences go, it was: my cousin's first name is Alexander and lives in NY (I don't think that uniquely identifies him), and sure enough, a Google of the phone number brings up that this is Alexander Capital in NY. They called from a...
by Clever_Username
Wed Mar 19, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2004

Phone calls trying to sell me stocks

So this was a new experience this morning. I got a call a few minutes ago from a number I didn't recognize. I picked up anyway, and got this call: "Hello, [my name]. This is [missed the name] with [my cousin's first name, who lives in the area code being called from, probably a coincidence]&quo...
by Clever_Username
Wed Mar 19, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2004

Re: KissTrust--trust accounts for the middle class?

jasc15 wrote:Before I looked up what the Kiss Trust was, I thought Gene Simmons was involved. Would not have surprised me if he was.


Nah, he's got the KISS pro football team to worry about now. But I think I'm more likely to go to them than the trust.
by Clever_Username
Tue Mar 18, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: KissTrust--trust accounts for the middle class?
Replies: 30
Views: 9684

Re: How much do you make a year in Dividends?

Er... 2013, about $1000 in taxable, plus whatever in tax advantaged. I know, because I had to look it up for taxes recently, but I don't care. Dividends let me re-balance, or at least move closer to my target allocation, since taxable holds two types of stock, one of which also exists in my tax-adva...
by Clever_Username
Mon Mar 17, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 5736

Re: What "annual" retirement income are you hoping to achiev

I put $50k, although I'll probably need less than that.

I do have to ask: why is annual in quotes? Are years changing? ;-)
by Clever_Username
Mon Mar 17, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: What "annual" retirement income are you hoping to achieve?
Replies: 70
Views: 4164

Re: Next investment to diversify my Roth?

I would suggest making a portfolio post: see this link for how to do so. Among other things, I don't suggest having the 2045 fund and other funds. If the 2045 fund has your desired asset allocation, make it 100% of your portfolio.
by Clever_Username
Sun Mar 16, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Next investment to diversify my Roth?
Replies: 2
Views: 186

Re: What to put in a taxable account.

I think this specific article might be the one you're looking for: http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement As for me, I have total international (VTIAX) in my taxable, along with total domestic (VTSAX). I also have domestic in my Roth IRA and my t-IRA/rollover IRA, ...
by Clever_Username
Sat Mar 15, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: What to put in a taxable account.
Replies: 9
Views: 909

Re: Maxed out.. what is next.?

If you've already maxed out the Roth IRA, you can't do a normal IRA -- that annual limit is for all IRAs, combined.

The next step is non-tax-advantaged accounts.
by Clever_Username
Fri Mar 14, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxed out.. what is next.?
Replies: 6
Views: 793

Re: Car Fund

I use VCAIX; I used to not consider it part of my bond allocation. Now I do. I don't expect to need or want to replace my car for many years. The fund is going to reach $10,000 later this month -- too bad Admiral shares are a higher threshold!
by Clever_Username
Fri Mar 14, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Car Fund
Replies: 9
Views: 1130

Re: Are 20 somethings handicapped bc of inflation and little

Alternatively, they are cash redistribution schemes from employees who don't have kids and don't go to the gym, to employees who have kids and do go to the gym. Is IT disproportionately full of people who are happily married and work out every day? The stereotype would seem to be the opposite. Mayb...
by Clever_Username
Fri Mar 14, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10284

Re: How did you decide how much to save?

I save about 85%. I assume that's sarcasm. You may not feel deprived but obviously no one needs to save 85%. I don't get the people on this forum sometimes. It's not just them. I've heard many people say that Carson Palmer has a savings rate over 85%. I doubt he'll have financial trouble after he r...
by Clever_Username
Thu Mar 13, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: How did you decide how much to save?

I do the opposite, pretty much -- I figure out what I want to spend, and then I save the rest. Fortunately for me, I really enjoyed my life when I was in graduate school, and I continue to live a similar life. Sure, I'll play golf a bit more often now, and go to upscale courses a bit more often, and...
by Clever_Username
Thu Mar 13, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: No, They're Not!

Yeah, you should learn something more modern like Ruby or C# or even Java. Big money there. I'm going to echo this. I made $20/hour when I was still an undergraduate - a decade or so ago, programming part-time or as an intern. I made as much as $35/hour as a programmer (same situation) before I fin...
by Clever_Username
Wed Mar 12, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10284

Re: What video games are you currently playing?

Just a side note...your avatar picture appears to be redundant. :D It should be either, "May the F be with you" or "May the m*a be with you." The way it reads now is, "May the force force be with you." Yes, I'm a nerd. As a physics major and former physics teacher, I'm...
by Clever_Username
Wed Mar 12, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4236

Re: Cannot invest with only $5500 in ROTH?

Is there a target date or lifestyle fund that has your target allocation? Grab that -- it's within a Roth, so it'll be easy to change out when the account grows sufficiently. Also, if you earned money in 2013, you can contribute for that year's IRA (if you haven't already) and 2014's to get up to $1...
by Clever_Username
Wed Mar 12, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cannot invest with only $5500 in ROTH?
Replies: 9
Views: 779

Re: "The Average Investor Should Use a Financial Adviser"

teacher wrote:inbox, I think Flagship investors with $1M+ have free access to a Vanguard financial planner.



I believe the free access starts at Voyager Select, at $500,000. Anyone at Voyager ($50,000+) can get a similar planner (same set?) for $250.
by Clever_Username
Wed Mar 12, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: "The Average Investor Should Use a Financial Adviser"
Replies: 51
Views: 6993

Re: How did you get through the market crash in 08-09

I got through the crash by not knowing what was going on. I had some retirement savings, but wasn't entirely sure what they were in (turns out I was close to 100% stocks). I also wasn't sure how to check the balance regularly. I knew I wanted to buy stocks, since I knew they were down, but I was als...
by Clever_Username
Wed Mar 12, 2014 1:30 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5454

Re: I Bonds - buy now or wait for May?

No way to have it automatically follow them? Oh well, it doesn't appear too tough to do manually.

Thanks for the information!
by Clever_Username
Wed Mar 12, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - buy now or wait for May?
Replies: 25
Views: 4444

Re: What video games are you currently playing?

If you haven't played through Red Dead Redemption, you're really missing out. That's a truly beautiful gaming experience. It's nothing like the Mass Effect series (which I also love), but it will suck you in in a different way. I'd also encourage anyone to check out XCOM (not the lame, quasi-FPS on...
by Clever_Username
Tue Mar 11, 2014 1:40 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4236

Re: I Bonds - buy now or wait for May?

Does the rate of existing bonds change in May/Nov, or just new issues? The fixed rate at the date of issue is the rate for the life of that I Bond. Old bonds will get the newly-announced inflation adjustment on their next six-month anniversary after the May/Nov. announcement. Ah! So if the current ...
by Clever_Username
Mon Mar 10, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - buy now or wait for May?
Replies: 25
Views: 4444

Re: I Bonds - buy now or wait for May?

Does the rate of existing bonds change in May/Nov, or just new issues?
by Clever_Username
Mon Mar 10, 2014 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - buy now or wait for May?
Replies: 25
Views: 4444

Re: How Many Funds Do You Have in Taxable?

It depends. If you are giving her a real gift, then sure. If you are giving it to her and expecting her to repay it then it's tax fraud. Good point. If I do it, it'll be a real gift, not an attempt to sneak something by anyone. Just interesting to me that this option of giving a gift exists -- I ha...
by Clever_Username
Sun Mar 09, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4902

Re: How Many Funds Do You Have in Taxable?

Is there a good strategy to get rid of funds that have a large gain, and i am in a high tax bracket? Please don't suggest donating to charity. Sure, give them away to your relatives and friends. They will get your basis (so let them know that), but they will be able to sell in their tax brackets wh...
by Clever_Username
Sun Mar 09, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4902

Re: On shaving expenses

House Blend wrote:And that there's not much point in lusting after Institutional shares if you have Admiral shares.


Maybe not for domestic stock, but for VTIAX (14 bp), the institutional (12 bp) and institutional plus (10bp) share classes have more than a one basis point difference ;-)
by Clever_Username
Sat Mar 08, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: On institutional versus admiral shares
Replies: 15
Views: 1185
Next

Return to advanced search