Search found 159 matches

Return to advanced search

Re: Vacation - Hawaii, Mexico, other ideas?

If I missed this in previous posts, my apologies, but from where are you departing? For only a week's vacation, that can have a significant impact on how you'll feel when you arrive at your destination, as well as how you'll feel when you land on your return. A week's vacation in Hawaii from the ea...
by Mandrale
Wed Feb 19, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3720

Re: Vacation - Hawaii, Mexico, other ideas?

If you want to stay inside the US you may also want to consider St. Thomas USVI. I completely second the USVI's! We just booked our 3rd trip there for June. ballpark prices... Airfare - ATL to st thomas- 400 a person renting a villa -1,000-1500 for a week car rental (if you want) -400 for a week. Y...
by Mandrale
Wed Feb 19, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3720

Re: Vacation - Hawaii, Mexico, other ideas?

Thank you for the replies everyone - Lots of great information. After hearing from a couple friends, as well as other information online, I am leaning more towards Hawaii. For this trip I do definitely want to stay within the US or the Americas, but am not opposed to going outside those at some poin...
by Mandrale
Wed Feb 19, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3720

Vacation - Hawaii, Mexico, other ideas?

Hello all, Looking to take my first trip in quite some time in the April/May timeframe. Ideas currently in my head are Hawaii, Mexico, or Vegas. If price is not an issue for these trips, what would you guys suggest as the best spot for a 25 year old to vacation for ~ a week? I will be travelling wit...
by Mandrale
Tue Feb 18, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3720

Re: What interest rate did you get on your car loan?

I don't necessarily agree with the rule of pay cash or don't get the car. Say a car is $25K and you have that amount saved up. You are offered a 0% 60 month loan. Why would you pay the face amount for the vehicle up front, rather than just making payments that will have the vehicle paid off in exact...
by Mandrale
Tue Feb 04, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4387

W4 - Tax Withholding

Is there a great resource available to help with the understanding of this line on your W4 form? Possibly a calculator which will help me determine what filing would be best for me? Within the Wiki all that I could find is a very general blanket statement about making sure to claim the right amount ...
by Mandrale
Tue Jan 28, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: W4 - Tax Withholding
Replies: 5
Views: 338

Re: If you use credit cards...you are using leverage to inve

What's your point? My point is that everyone has an optimal amount of leverage that they should capitalize on that is considered safe . Meaning, if you have $1million in assets, $100 000 a year income....you should have no problem buying another $100K on margin to invest. The chance of the stock ma...
by Mandrale
Tue Jan 21, 2014 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: If you use credit cards...you are using leverage to invest.
Replies: 59
Views: 2746

Re: If you use credit cards...you are using leverage to inve

What's your point? My point is that everyone has an optimal amount of leverage that they should capitalize on that is considered safe . Meaning, if you have $1million in assets, $100 000 a year income....you should have no problem buying another $100K on margin to invest. The chance of the stock ma...
by Mandrale
Tue Jan 21, 2014 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: If you use credit cards...you are using leverage to invest.
Replies: 59
Views: 2746

Re: Am I the only scifi fanatic who thinks that Gravity is l

I was a big fan of how she randomly stops spinning uncontrollably, when in space.... you would never actually stop, would you?
by Mandrale
Mon Oct 28, 2013 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Am I the only scifi fanatic who thinks that Gravity is lame?
Replies: 102
Views: 5474

Re: Free Wharton MBA Classes

Well, some people might be interested in taking the free classes to <gasp> learn . Agreed, and that's fine. But if you're taking this course to learn, there's not much reason to get excited about the Wharton branding. The content is unlikely to be much different from what you could learn from a Uni...
by Mandrale
Tue Sep 17, 2013 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Free Wharton MBA Classes
Replies: 26
Views: 2710

Free Wharton MBA Classes

Just ran across this article on Yahoo Finance and found it extremely cool that Wharton was offering free MBA level classes.

Did anyone else read this article or enroll in the classes?

http://finance.yahoo.com/news/wharton-p ... 55193.html
by Mandrale
Tue Sep 17, 2013 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Free Wharton MBA Classes
Replies: 26
Views: 2710

Re: Should I pay off zero percent car loan?

There is a current deal with Toyota in my area that is as follows: $1,000 Cash Back - or - $750 Cash Back with 0% financing for 60 months. In this case, the second option, to me, would be a smarter decision. I would not pay the loan back early unless you are extremely opposed to holding some debt. I...
by Mandrale
Wed Aug 28, 2013 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off zero percent car loan?
Replies: 31
Views: 4620

Re: At what point is your credit score "high enough"?

These responses have been great... Thank you everyone. It seems like a commonality between opinions is that anywhere north of 750 will get you the "deals" that you want, and to maintain that level it is really just about continuing to use and pay your bills/charges on time. Thanks for the ...
by Mandrale
Wed Aug 28, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is your credit score "high enough"?
Replies: 50
Views: 4092

At what point is your credit score "high enough"?

Obviously having a perfect score is the best possible outcome. At the same time, that is extremely hard to achieve. So, for a person that wants a base line on a good credit score, at what point is your credit score " high enough " that you realistically could achieve anything you would lik...
by Mandrale
Tue Aug 27, 2013 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is your credit score "high enough"?
Replies: 50
Views: 4092

Re: New job with new commute, worth it?

Let's say 40 extra minutes/day round trip and you work 300 days per year.

40*300 = 12,000 extra minutes per year

12,000 / 60 = 200 extra hours per year

$60,000 / 200 hours = $300/hr.

Yeah, I'd do it.
by Mandrale
Tue Aug 27, 2013 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: New job with new commute, worth it?
Replies: 31
Views: 2075

Re: Boglehead Beer

A couple of local breweries top my list:
- Fulton Sweet Child of Vine
- Fulton Lonely Blonde
- Indeed Daytripper
- Misc. Indeed taps
- Lift Bridge Farm Girl
- Surly Furious
- Surly Bender
- Angry Planet Ale
- Summit IPA/EPA
- Devotion by Lost Abbey Brewery
- Anything by Dangerous Man
by Mandrale
Wed Aug 21, 2013 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 48845

Re: Fantasy Football Strategies and Tips

Don't draft a defense, you can usually play a week to week match up and do just fine. Kickers shouldn't be taken until the last round or two. An elite fantasy football site is http://www.leaguesafepost.com/ -- It will give you great advice, and there is also a mock draft they did on there for like R...
by Mandrale
Fri Aug 09, 2013 10:53 am
 
Forum: Personal Consumer Issues
Topic: Fantasy Football Strategies and Tips
Replies: 10
Views: 692

Re: Am I saving enough that I can spend some of it?

Take the trip while you can. You are already doing so well, I doubt that one trip is going to offset you. On the same note of not being able to predict the future, what if something bad were to happen to you and you were never able to take the trip due to physical/emotional reasons? Live while you'r...
by Mandrale
Thu Aug 01, 2013 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I saving enough that I can spend some of it?
Replies: 38
Views: 4153

Re: Next Logical Step For My Portfolio (24 years old)

Currently I am maxing out the Roth IRA, yes that is correct. This is being invested into the Target Retirement 2040 fund just for easy, passive investing. Are you aware that the 2040 fund is only 10% bonds? Earlier you posted you wanted 20% bonds. If that is still the case you would be better off i...
by Mandrale
Tue Jul 30, 2013 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: Should I get a MBA?

Why not make out a list of what you've accomplished/improved within your current role, show it to your supervisor, and explain to him WHY and HOW you could help out another area of the business? What would make you a better candidate than ALL the other people that would apply for that position? Use ...
by Mandrale
Tue Jul 30, 2013 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I get a MBA?
Replies: 37
Views: 3177

Re: Next Logical Step For My Portfolio (24 years old)

Mandrale , congratulations on being debt free and investing in your Roth IRA (I assume to the $5.5K max). For the extra $700 a month: ⋅ Contribute more to the 401k. This will also reduce your taxable income and therefore your taxes. ⋅ Make sure your emergency fund is up to about...
by Mandrale
Tue Jul 30, 2013 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: Next Logical Step For My Portfolio (24 years old)

I see that you have access to MNDCP. Are you under a MAPE contract? If so, if you put money into the MNDCP, MAPE will match up to $100 per year. Can't you contribute to the MNDCP with after-tax money? Sorry Juan, I forgot that was in a post -- I have since switched jobs to a new company where I hav...
by Mandrale
Mon Jul 29, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: Next Logical Step For My Portfolio (24 years old)

Just another update on this topic: Since my last edit near the end of May, I have actually paid off my student loans entirely. The question now, being debt free, is more to the tune of what to do with the excess cash I have now + the $700/mo. I was putting toward student loans. I think that if I wat...
by Mandrale
Mon Jul 29, 2013 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: A Boglehead in the NFL????

The guy is a tightwad and is living seriously below his means (at least we assume so from the one example given). That's not what a Bogleheads is about....it is about investing intelligently - diversifying, keeping investing costs down, managing taxes wisely, being passive, setting an appropriate A...
by Mandrale
Fri Jul 26, 2013 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: A Boglehead in the NFL????
Replies: 13
Views: 1824

A Boglehead in the NFL????

This was a really funny/interesting story to read about. If you follow the NFL at all you would know that Alfred Morris had a spectacular rookie season, which earned him a ton of money. Really cool to see him staying true to his roots, at least for now. http://sports.yahoo.com/blogs/nfl-shutdown-cor...
by Mandrale
Fri Jul 26, 2013 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: A Boglehead in the NFL????
Replies: 13
Views: 1824

Re: Nutrition Bars

I second the Larabars. The ingredients are along the lines of "almonds, dates, pecans." They are kinda high in sugar, but at least the sugar is from dried fruit and not from corn, coy or sucralose. If you want to make your own (and it isnt' that hard) check out this: http://www.marksdaily...
by Mandrale
Wed Jul 24, 2013 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Nutrition Bars
Replies: 41
Views: 3553

Re: CFA Results

How long were you guys involved in the FA field before deciding to take the exams? I have been in the field a little over a year and this is something that really interests me in pursuing.

Thanks!
by Mandrale
Wed Jul 24, 2013 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: CFA Results
Replies: 30
Views: 3395

Re: 25 Years Old - New Job - 401k Advice

Thanks for the response! I have the $30,000 in there because I've been doing a lot of home improvements over the last couple years to raise the LTV on my house to get out of MIP. Now that I've refinanced the improvements have slowed down, so I will probably take the advice and start to pay down the...
by Mandrale
Thu Jul 11, 2013 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old - New Job - 401k Advice
Replies: 5
Views: 667

Re: 25 Years Old - New Job - 401k Advice

Seems to me that your 401 plan does have higher expense ratios than most. Being in a similar situation as you, my main goal was to pay down my student debt regardless of the interest rate... Just a peace of mind idea for myself. What is usually recommended is 401k up to the match, max out Roth/Trad ...
by Mandrale
Thu Jul 11, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old - New Job - 401k Advice
Replies: 5
Views: 667

Re: Cancel Term Life Insurance?

I currently have the insurance locked in at the lowest possible rates with the company. Do you all see a point to keeping the policy since I do have the lowest rates locked in? The face amount is ~15x income, How much $$$ insurance, how long is the lock? Are you sure the rates remain lowest? Have y...
by Mandrale
Wed Jul 03, 2013 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Term Life Insurance?
Replies: 13
Views: 1633

Re: Cancel Term Life Insurance?

Why did you apply for it in the first place? If you're 24 it must be really cheap at Preferred Plus rates even for 30-year term. $1M of 30-year term is about $50/mo at your age, 20-year term is about $35/mo. I'd keep it if you are intent on getting married and having kids in the near future. You ca...
by Mandrale
Tue Jul 02, 2013 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Term Life Insurance?
Replies: 13
Views: 1633

Cancel Term Life Insurance?

Hello everyone, I know that this topic has been posted multiple times, but just looking for a little reassurance from all the wise people on these boards. I am 24 years old and single, but currently sitting with some term life insurance that I pay for on a monthly basis from a company outside of my ...
by Mandrale
Tue Jul 02, 2013 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Term Life Insurance?
Replies: 13
Views: 1633

Re: Accepted into an investing education program, worth it?

I would do it in a heartbeat. I am also a 23 year old, and in the finance field working as an Analyst at a Fortune 20 company. There is no doubt in my mind that having that experience, along with two great degrees, could get you into almost any job you wanted. Looking back at my college career, I fi...
by Mandrale
Fri Jun 28, 2013 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accepted into an investing education program, worth it?
Replies: 17
Views: 1599

Re: credit score and 1 year credit card use

It really depends on what you want and your situation. What's the main advantage of those 30,000 points? Why cancel it after a year? First credit card? Do you need more credit history? I just think there are too many questions to give you a straight answer, and ultimately, the decision is just based...
by Mandrale
Wed Jun 26, 2013 2:55 pm
 
Forum: Personal Consumer Issues
Topic: credit score and 1 year credit card use
Replies: 12
Views: 889

Re: Next Logical Step For My Portfolio (24 years old)

I decided to break out my 401(k) contributions to the following, to be replicate the 3 fund portfolio (I believe): VANG INST INDEX PLUS ---- 81% VANG MD CP IDX IS PL ---- 6% VANG SM CP IDX IS PL ---- 13% Just so you're aware that the above three funds make up just the US stock portion of the "...
by Mandrale
Wed Jun 19, 2013 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: Next Logical Step For My Portfolio (24 years old)

Just an update -- I have decided to contribute 6% to my 401(k) as I will still be able to fully fund my Roth IRA and also put $700/mo. towards my student loans. I decided to break out my 401(k) contributions to the following, to be replicate the 3 fund portfolio (I believe): VANG INST INDEX PLUS ---...
by Mandrale
Tue Jun 18, 2013 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: Next Logical Step For My Portfolio (24 years old)

mnvalue wrote:Also, what is the stable value yielding right now?


If you're referring to the UHG STABLE VALUE FD? The return on that YTD is a measly 1.70% with an ER of .26%.

Thanks for the help mnvalue, that makes complete sense. I appreciate your insight!
by Mandrale
Tue Jun 04, 2013 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: Next Logical Step For My Portfolio (24 years old)

Thanks guys I really appreciate it! Any helpful tips as far as what to do for a split between making loan payments and contributing to the 401(k) without a match? Would it be worth it to just use the emergency fund that I have to completely pay off the student loans? That is a possibility at this po...
by Mandrale
Tue Jun 04, 2013 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: Next Logical Step For My Portfolio (24 years old)

Thanks Twins Fan,

Would there be any problem with choosing some combination between the following? Or am I not hitting each bucket with this combination?

VANG INST INDEX PLUS (VIIIX) 07/07/1997 0.02%
VANG MD CP IDX IS PL (VMCPX) 12/15/2010 0.06%
VANG SM CP IDX IS PL (VSCPX) 12/17/2010 0.06%
by Mandrale
Mon Jun 03, 2013 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: Next Logical Step For My Portfolio

I have updated my current situation due to a new job, so any helpful advice on my now current situation would be much appreciated.

Thanks!
by Mandrale
Fri May 31, 2013 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3041

Re: 20 Year Old Seeking Financial Advice

Hey Charlie, Good to see a fellow young person checking out the forums and really focusing on their future. I myself am 23 years old, so we are in a somewhat similar position. One question I have for you is: "Do you like your line of work?" I know for myself, funding my advanced education ...
by Mandrale
Wed Mar 20, 2013 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old Seeking Financial Advice
Replies: 17
Views: 823

Re: SQL Coding

I am in a financial analyst role within a health care company, what form of computer programming language do you guys feel is most suitable for my industry? [...] Doing a majority of my work in excel but we are starting to use more of SAS enterprise guide. Within EG we have a large amount if report...
by Mandrale
Sat Mar 02, 2013 4:48 pm
 
Forum: Personal Consumer Issues
Topic: SQL Coding
Replies: 32
Views: 2158

Re: SQL Coding

I'm attempting to learn this now due to possible career advancement.. I am in a full time position and have graduated school so I have extra time to be learning and further educating myself. What are your current job responsibilities? Are you in the IT field? I ask because "how do I learn SQL ...
by Mandrale
Fri Mar 01, 2013 5:32 pm
 
Forum: Personal Consumer Issues
Topic: SQL Coding
Replies: 32
Views: 2158

Re: SQL Coding

select * from sql_dialects; :D I find that databases need a different mindset than other programming languages. You need to think in terms of queries and records. In other languages, you think in terms of process flow, e.g. a = b + c; Does the job opportunity really get into the details of coding, ...
by Mandrale
Thu Feb 28, 2013 9:27 pm
 
Forum: Personal Consumer Issues
Topic: SQL Coding
Replies: 32
Views: 2158

Re: SQL Coding

I did a lot of SQL related stuff as a financial analyst for a large growing online retailer. As data gathering becomes easier and cheaper I think SQL is going to be a skill for the future. It is pretty fun if you have an interesting database to work with. I was fortunate enough to have access to on...
by Mandrale
Thu Feb 28, 2013 9:11 pm
 
Forum: Personal Consumer Issues
Topic: SQL Coding
Replies: 32
Views: 2158

Re: SQL Coding

Thank you guys! So my SQL and Microsoft SQL server express are both free to download? My company has been willing in the past to pay for classes in applicable areas, do you guys know any good institutions/companies that have training locations across the country? I am in a financial analyst role wit...
by Mandrale
Thu Feb 28, 2013 7:55 pm
 
Forum: Personal Consumer Issues
Topic: SQL Coding
Replies: 32
Views: 2158

SQL Coding

Does anyone have experience of learning SQL coding on their own? What are some good ways to go about educating myself on learning the language? Any good book recommendations? Is there anyone working in a profession where they are dealing with creating SQL on the daily basis? Any helpful tips to help...
by Mandrale
Thu Feb 28, 2013 5:37 pm
 
Forum: Personal Consumer Issues
Topic: SQL Coding
Replies: 32
Views: 2158

Re: The Perils of financial modeling with Excel

A great program to use for a business in place of Excel is a program called SAS Enterprise Guide, allows you to create models, filters, sorts -- Basically anything that excel can do, but allows you to create a process flow that you can schedule for a specific time/recurring date. The front end point...
by Mandrale
Tue Feb 12, 2013 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: The Perils of financial modeling with Excel
Replies: 42
Views: 3091

Re: Chase Bank new checking account free $200

This must be for only select states? Not finding any information for it here.
by Mandrale
Sun Jan 27, 2013 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Chase Bank new checking account free $200
Replies: 44
Views: 5598
Next

Return to advanced search