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Buying jewelry 'value', not brand?

Hi bogleheads, I was wondering if you guys have any tips suggestions on buying jewelry where you can get the best value for the metal content? Most name brand jewelry stores never tell you what is scrap metal value of any jeweler you buy because I think they sell jewelry at a ridiculous markup. I ca...
by Houston101
Sun Apr 06, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying jewelry 'value', not brand?
Replies: 1
Views: 279

Re: Bitcoins as investment

http://online.wsj.com/news/articles/SB10001424052702304607104579212101356897382 Investors should think of bitcoins as a long-term speculation rather than a short-term trade or a long-term investment, says Mr. Pal. If you decide to take the risk, you shouldn't base your buying and selling on the gyr...
by Houston101
Sun Nov 24, 2013 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10560

Re: Bitcoins as investment

Can a bitcoin be tested by biting?

Victoria


I haven't been able to bit VTI but I believe it has value. :happy
by Houston101
Sun Nov 24, 2013 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10560

Re: Best Internet price?

Can you guys please share any tips/ideas? A wifi card with a good antenna near a neighbor with an unsecured router. :D Seriously though, what speeds of internet are you looking for? I believe there are some cheap dial up services out there, but if you're looking for decent speed your options can be...
by Houston101
Thu Aug 01, 2013 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Internet price?
Replies: 9
Views: 1012

Best Internet price?

I have been trying to find a cheaper internet service than the AT&T $29/month but haven't had any luck.

Can you guys please share any tips/ideas?
by Houston101
Thu Aug 01, 2013 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Best Internet price?
Replies: 9
Views: 1012

pkcrafter wrote:Lack of diversification, mainly.


Paul


Of course, but who cares if it works. I am just not sure if there is any sector specific risk that I am not considering?
by Houston101
Sat Jun 25, 2011 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Investing only in Consumer Staples ETF (VDC)??
Replies: 5
Views: 685

Investing only in Consumer Staples ETF (VDC)??

What would be the disadvantage of investing in consumer staples ETF only ?

It is dull, boring & has consistent returns.

Any thoughts?
by Houston101
Sat Jun 25, 2011 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Investing only in Consumer Staples ETF (VDC)??
Replies: 5
Views: 685

I understand that the bubble popping thing. Generally the theory for indexing is that as long as the companies are producing earnings and you are selecting the whole market the index portfolio should rise by the risk premium and inflation. The japan equity index show a declining curve even after the...
by Houston101
Mon Mar 28, 2011 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Why Japan equities have underperformed for the past decade?
Replies: 47
Views: 4806

The GDP growth rates are quite similar between US & Japan but the stock market returns are not. http://www.google.com/publicdata?ds=wb-wdi&met=ny_gdp_mktp_kd_zg&idim=country:JPN&dl=en&hl=en&q=japan+gdp+growth#met=ny_gdp_mktp_kd_zg&idim=country:JPN:USA
by Houston101
Fri Mar 25, 2011 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why Japan equities have underperformed for the past decade?
Replies: 47
Views: 4806

Re: Couple of dumb questions about VTWSX, if I may...

Scott S wrote:Slightly-higher fees are one aspect keeping me from the simplicity of VTWSX -- there is the 0.25% purchase fee and the 0.5% ER.


Once someone has paid the initial $3,000 do we have to pay the 0.25% on each additional $100 also that we contribute or is the 0.25% assessed only on the first $3,000?
by Houston101
Fri Mar 25, 2011 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Couple of dumb questions about VTWSX, if I may...
Replies: 10
Views: 2720

Ozonewanderer wrote:I'm not really sure what the difference is between VGTSX and VEU now except that I don't think there is an ETF version of VGTSX.


Yes there is VXUS.

https://personal.vanguard.com/us/funds/snapshot?FundId=3369&FundIntExt=INT
by Houston101
Sat Mar 19, 2011 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% VEU = ?% VWO + ?% VEA
Replies: 12
Views: 3523

Why Japan equities have underperformed for the past decade?

I am really curious as to why Japan equities have underperformed for the last 5 / 10 year period? While Japan is different from U.S. it is quite similar in many ways (well regulated equities market, developed economic powerhouse, companies that dominate the world). Can someone please shed some light...
by Houston101
Sat Mar 19, 2011 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why Japan equities have underperformed for the past decade?
Replies: 47
Views: 4806

Simba this is indeed a gem, thank you very much.

Will it be correct to assume that the gains are calculated without taking into account dividends?
by Houston101
Wed Mar 16, 2011 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 587
Views: 351631

purchase the Fund Version of VXUS (VTIAX). This way I don't have to worry about a discount/premium value when buying. Yeah but you have to deal with capital gains/distributions with VITAX even you are only accumulating and didn't sell anything. If it wasn't for this drawback I would want to do the ...
by Houston101
Tue Mar 15, 2011 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Which is better for taxable account: VXUS or VEU?
Replies: 11
Views: 2121

purchase the Fund Version of VXUS (VTIAX). This way I don't have to worry about a discount/premium value when buying. Yeah but you have to deal with capital gains/distributions with VITAX even you are only accumulating and didn't sell anything. If it wasn't for this drawback I would want to do the ...
by Houston101
Mon Mar 14, 2011 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is better for taxable account: VXUS or VEU?
Replies: 11
Views: 2121

Which is better for taxable account: VXUS or VEU?

I have seen the threads here: http://www.bogleheads.org/forum/viewtopic.php?t=67790 http://www.bogleheads.org/forum/viewtopic.php?t=70171 I want to buy and hold an etf for the long run in an taxable account. Would you guys suggest that VXUS has a higher probability of being kept open and being impro...
by Houston101
Mon Mar 14, 2011 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Which is better for taxable account: VXUS or VEU?
Replies: 11
Views: 2121

Vanguard ETFs or Mutual funds for accumulation?

I want to setup an automatic transfer of approximately $500 every month to be invested 50% in VEU / VFWIX 50% in VTI / VTSMX I have two concerns 1) If I do auto-investing through Vanguard for low volume ETFs like VEU how will I know I am getting a good price? 2) My monthly amounts are less than the ...
by Houston101
Sun Mar 13, 2011 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETFs or Mutual funds for accumulation?
Replies: 5
Views: 947

Brokerages required to withhold estimated taxes/penalty?

I am just curious if I decide to take an early withdrawal from 401K and/or Roth IRA are the brokerages required to withhold estimated taxes and penalty or is that something you take care of yourself when you file the taxes?
by Houston101
Sat Mar 12, 2011 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Brokerages required to withhold estimated taxes/penalty?
Replies: 3
Views: 703

I have already added her name to my credit card. Will her name also be reported to the credit bureaus?

For all the secured credit cards you have to pay a annual fee of $18 - $30. I don't want to pay fees for establishing credit!
by Houston101
Mon Feb 07, 2011 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Establish Credit History: Best method for a newbie to U.S.?
Replies: 17
Views: 1409

Establish Credit History: Best method for a newbie to U.S.?

My wife just moved to the US and I was wondering what is the best way to establish credit history for her? She has a social security number etc. I had heard something about a prepaid credit card, where it is actually more like a prepaid debit card but the issuing co. reports it as credit card. Pleas...
by Houston101
Fri Feb 04, 2011 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establish Credit History: Best method for a newbie to U.S.?
Replies: 17
Views: 1409

I called my employers HR department and this is what she said: 401(k) Contribution: Pre tax contributions Roth 401(k) Contribution: After tax contribution The maximum that I contribute in total for both is $16,500. So, if I am maxing the 401(k) & Roth 401(k) out does that mean I can still contri...
by Houston101
Tue Jan 18, 2011 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Confused: Co. Roth 401(k) vs. Personal Roth IRA
Replies: 12
Views: 1634

Confused: Co. Roth 401(k) vs. Personal Roth IRA

I am confused what is the difference between my employer sponsored Roth 401(k) vs. Personal Roth IRA? I understand what Roth's are (the after tax contribution & contribution limits etc) but what is the advantage of having one from your employer where I can do the same on my own? Also does it mea...
by Houston101
Sun Jan 16, 2011 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confused: Co. Roth 401(k) vs. Personal Roth IRA
Replies: 12
Views: 1634

MrsO wrote:I was told that a payment is only made if over $50 has accrued. Could it be that you haven't accrued that amount yet?


Thank you, that's exactly what it was. :D
by Houston101
Sun Dec 26, 2010 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% cash back-stopped auto rewards credit??
Replies: 15
Views: 2984

Fidelity 2% cash back-stopped auto rewards credit??

I haven't received my automatic cash back from FIA card services for fidelity 2% rewards card automatically into my fidelity account for the past two months. When I logged into the FIA websites it shows an option for check redemption. Does that mean they have stopped the auto credit of rewards to th...
by Houston101
Sun Dec 26, 2010 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% cash back-stopped auto rewards credit??
Replies: 15
Views: 2984

Bill Gross: QE II may mean 20 percent dollar drop

Nothing new here http://www.reuters.com/article/idUSTRE6A055R20101102 The dollar is in danger of losing 20 percent of its value over the next few years if the Federal Reserve continues unconventional monetary easing, Bill Gross, the manager of the world's largest mutual fund, said But I don't unders...
by Houston101
Tue Nov 02, 2010 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross: QE II may mean 20 percent dollar drop
Replies: 35
Views: 5811

nisiprius wrote:How old are they?


They are 12-15 years.

Thank you everyone for the valuable input, I have got a lot of good ideas from you guys to digest. :D
by Houston101
Tue Nov 02, 2010 7:28 am
 
Forum: Personal Consumer Issues
Topic: Parents: Games for Organization & Future planning skills
Replies: 9
Views: 1082

The fund in it's seven years since inception has slightly underperformed the S&P 500, which leads me to ask myself if they cannot pick these superior companies how am I supposed too. The commentary they publish sounds intellectual, none of the usual CNBC stuff. But if you look at there funds pe...
by Houston101
Mon Nov 01, 2010 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: GMO High Quality Stocks - Portfolio Allocation/Best Vehicle
Replies: 58
Views: 11785

Parents: Games for Organization & Future planning skills

I want my kids to highly organized and plan well ahead in the future, whether it is the school trip next week or personal finances. I want to engage them in games that will enable them to develop that mindset. Can someone please suggest any games or techniques? I thought about checkers, chess etc.
by Houston101
Mon Nov 01, 2010 8:56 am
 
Forum: Personal Consumer Issues
Topic: Parents: Games for Organization & Future planning skills
Replies: 9
Views: 1082

NateW wrote:We get a 5% cash back on groceries (permenant, no promo :) )


What I kind of card is that? Do you have a link where we can check it out?

Permanent sounds good!
by Houston101
Thu Oct 28, 2010 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Be Careful of Chase Freedom's 5% Cash Back Promos
Replies: 26
Views: 6799

After calling Chase I found out that Walmart actually qualifies under multiple categories. So your automotive purchase might not but you regular meat and milk purchases will qualify for the 5% rebate.

Walmart submits transactions based on what you have purchase from them.
by Houston101
Thu Oct 28, 2010 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Be Careful of Chase Freedom's 5% Cash Back Promos
Replies: 26
Views: 6799

It is my fault for not doing the research but I abondened the 2% Fidelity credit card for Chase this month just to take advantage of 5% reward at walmart. I always assumed it was a 'grocery store'.

No one to blame but me. :x
by Houston101
Sun Oct 17, 2010 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Be Careful of Chase Freedom's 5% Cash Back Promos
Replies: 26
Views: 6799

Re: Living in a tax free zone - Tips needed

I wonder if a foreign national and/or resident will have to pay any taxes on earnings and gains generated from U.S. capital markets? No we do not have any taxes on gains from the US capital market. Bahrain is not going to require you to pay any taxes probably but I wonder if IRS is going to ask you...
by Houston101
Wed Oct 06, 2010 7:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Living in a tax free zone - Tips needed
Replies: 10
Views: 1302

Cherokee8215 wrote:My online broker, TD Ameritrade, does. They used to only invest into full shares and would give you cash in lieu of fractional shares, but they did away with that years ago.


Do they charge you a fee for reinvesting the dividends in the respective stocks?
by Houston101
Wed Oct 06, 2010 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Free & automatic dividend reinvesting for individual sto
Replies: 8
Views: 1119

Re: Living in a tax free zone - Tips needed

Jase wrote:I would like to get some tips, about what would be best to start trading in to take advantage of my unique situation.


I wonder if a foreign national and/or resident will have to pay any taxes on earnings and gains generated from U.S. capital markets?
by Houston101
Tue Oct 05, 2010 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Living in a tax free zone - Tips needed
Replies: 10
Views: 1302

Free & automatic dividend reinvesting for individual sto

I know companies like vanguard offer free dividend investing for their ETF's etc.

Are there any brokerages that offer free and/or automatic dividend reinvesting for individual stocks?
by Houston101
Tue Oct 05, 2010 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Free & automatic dividend reinvesting for individual sto
Replies: 8
Views: 1119

FWIW I've gotten my last two jobs via LinkedIn - in fact I get pinged so much I usually update my LinkedIn profile first, and my resume second. It's particularly useful if some / most of your professional contacts have moved - I have several who have emigrated. How does ping work in LI? do you get ...
by Houston101
Fri Oct 01, 2010 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: LinkedIn: Is the paid or free membership worth it?
Replies: 30
Views: 3696

Sidney wrote:Most of the contacts came from personal relationships.


No sarcasm intended, speaking from a realistic point of view would you agree that gold course and country club memberships etc. actually work & is worth the investment?
by Houston101
Wed Sep 29, 2010 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: LinkedIn: Is the paid or free membership worth it?
Replies: 30
Views: 3696

Since then, I have gotten about a half dozen unsolicited calls from headhunters. Well, the profile is pretty much like a resume anyways. One one hand I want to put my 'resume' out there so I can be reached for a potential job from co-workers/headhunter but at the same time I don't want my resume to...
by Houston101
Wed Sep 29, 2010 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: LinkedIn: Is the paid or free membership worth it?
Replies: 30
Views: 3696

LinkedIn: Is the paid or free membership worth it?

I have seen a lot of professionals (especially in business) use linkedin. 1) Has it ever helped anyone get a great job or any other benefit? 2) Is it really an effective networking tool outside the good old face to face contacts? Can you guys please comment it is worth paying for the membership also?
by Houston101
Tue Sep 28, 2010 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: LinkedIn: Is the paid or free membership worth it?
Replies: 30
Views: 3696

This link was a bit unfair. People have to make forecasts at a point in time with the information they have at the time. When information changes - do you change your opinion? The bloggers have really lost the sense of authenticity and independence that used to be attributed to them. They are becom...
by Houston101
Mon Sep 27, 2010 7:26 am
 
Forum: Investing - Theory, News & General
Topic: The Abysmal Track Record of Moody’s Mark Zandi
Replies: 11
Views: 1693

I use: http://www.emailforeclosures.com/ I provided them with a junk email address in case they decide to sell my address. I get email updates once a week with all of the new listings and price changes. The full address is usually included, but sometimes not. The source is incomplete. The foreclosu...
by Houston101
Sat Sep 25, 2010 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Free Foreclosure listings without getting scammed??
Replies: 4
Views: 873

Free Foreclosure listings without getting scammed??

Everytime I see a foreclosure listing on trulia.com or zillow.com it doesn't give an address and you have to pay to get detail information. Is there a way to get the same information without having to pay for it? There has to be a source where these companies are getting the listing information in t...
by Houston101
Sat Sep 25, 2010 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Free Foreclosure listings without getting scammed??
Replies: 4
Views: 873

I'm guessing it means they'll pay half commission to a broker who steers you to buy that house... That's exactly what it means. It has nothing to do with the ownership interest known as a co-op (cooperative ownership, which is very similar to a condominium ownership interest). In this case, it mean...
by Houston101
Wed Sep 22, 2010 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate: What does 'Will co-op' mean?
Replies: 6
Views: 3340

Real Estate: What does 'Will co-op' mean?

I have seen some good houses in my are for sale (usually by the owner) and it also say 'Will co-op'.

What does 'Will co-op' mean?

What ever that thing is can anyone please share advantages or disadvantages of it?
by Houston101
Wed Sep 22, 2010 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate: What does 'Will co-op' mean?
Replies: 6
Views: 3340

tfb wrote:Call FIA for an auto-pay form. Return with a voided check. FIA will auto debit full balance.


Just did that, thanks tfb.
by Houston101
Wed Sep 15, 2010 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America offering 2% cash back credit card
Replies: 60
Views: 11227

I also have the fidelity/FIA 2% cash back card. The rebate is good but I hate two things about them: 1) There is no e-bill service that I can use. All other credit card companies send automatic e-bill and they get automatically paid through the Bank of America checking account and I never have to wo...
by Houston101
Wed Sep 15, 2010 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America offering 2% cash back credit card
Replies: 60
Views: 11227

Engine oil change at 5,000 to 10,000 miles

I have a hard time believing this (exactly what the author says).

http://www.nytimes.com/2010/09/11/your-money/11shortcuts.html?_r=1&pagewanted=all

Does anyone mind sharing their personal experience?
by Houston101
Tue Sep 14, 2010 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Engine oil change at 5,000 to 10,000 miles
Replies: 109
Views: 15210

craigr wrote:
pteam wrote:How can analyists think stocks are cheap, and then other analyists the same day think stocks are overvalued?


Because what they are analyzing is random noise.


Not necessarily, they are just looking at the opposite sides of the same coin and neither of them are lying.
by Houston101
Tue Aug 31, 2010 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: 2 more reports saying stocks are cheap
Replies: 18
Views: 2719

jace wrote:Pick up anything except a penny showing tails. That's bad luck.


The only badluck is that the penny not in your pocket.

For all those suffering from the badluck syndrome, just send me a PM and I will come and get it. I would hate anyone on this forum to suffer badluck. :)
by Houston101
Mon Aug 30, 2010 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: If you see a coin on the sidewalk, what do you do?
Replies: 116
Views: 19142
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