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Re: Newbie 24 year old investor, portofolio and finance Q's.

Wow wow wow debt debt debt! In my opinion you should not be contributing to 401k plan or OR IRA because you think of these as cash savings vehicles. These are retirement plans! I would stop contributing to both while you get out of debt. IF you stop thinking of the 401k as a loan vehicle THEN you ma...
by PS241
Sun Apr 20, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 24 year old investor, portofolio and finance Q's.
Replies: 21
Views: 1173

Re: 22 y.o Health Savings Account!?

0. You provide very limited details, you will likely need to provide more info for better answers. I would build up your cash position to a 3-6 mo emergency fund first. 1. I wouldn't mess with individual stocks, and also wouldn't have so much in small caps. Read the wiki for more info. 2. If you don...
by PS241
Sun Mar 09, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22 y.o Health Savings Account!?
Replies: 4
Views: 359

Re: Can you identify the view in this painting?

It made me think of the lake/mountain from this video:
https://www.youtube.com/watch?v=AxDYx4oPflc

I don't think it is right, as the mountain doesn't quite look right and the lake is too small. Beautiful view though.
by PS241
Wed Mar 05, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: Can you identify the view in this painting?
Replies: 8
Views: 1350

Re: LED bulb prices

I have been buying Philips 423798 LED bulbs on amazon. Look to be a little more expensive than the ones your suggesting, but I am very happy with the quality of color and distribution of light from them.
by PS241
Mon Mar 03, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 109
Views: 8460

Re: 529 contributions and future tuition costs

In 18 years college might look vastly different than it does today. As the rest of the world continues to grow in their education, U.S. wages are likely to remain stagnate or even decrease. With that being the case, there is going to be severe pressure on the universities to decrease costs as the ed...
by PS241
Sun Mar 02, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 contributions and future tuition costs
Replies: 46
Views: 2270

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1989 - Birth year
by PS241
Thu Jan 02, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10653

Re: Robbing the emergency fund to start a Roth...?

OP has very nearly the same situation as ours albeit a few years older and appears to be payed slightly more. For ourselves, I think we will hold our emergency fund in traditional bank accounts. Why?.. we are not close to maxing tax advantaged accounts so I am not worried about "saving" th...
by PS241
Sat Dec 28, 2013 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Robbing the emergency fund to start a Roth...?
Replies: 23
Views: 2304

Re: Can someone explain why Bitcoins are allowed as a curren

If you're not trying to pass it off as US currency and you're not declaring your house a sovereign nation, I don't see why the government would care if both parties agree to its value. You could build wooden chairs for example and try to buy everything by exchanging your wooden chairs for what ever ...
by PS241
Mon Dec 16, 2013 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Can someone explain why Bitcoins are allowed as a currency?
Replies: 15
Views: 1040

Re: What percentage of your income are you saving?

24. About 16.5% I've only read the beginning of boglehead's guide to retirement (the free trial on amazon) but I believe it suggests 15-20%.
by PS241
Fri Dec 13, 2013 12:30 am
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 11714

Re: Water line, sewer line, in-house plumbing insurance

Don't you have an emergency fund? Self insure on things you can reasonably cover with an emergency fund.

25 years x 200+ per year.. looks like you got the $5000 back.
by PS241
Tue Nov 19, 2013 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Water line, sewer line, in-house plumbing insurance
Replies: 11
Views: 984

Re: Interest Earned on Emergency Fund

I leave it in and figure it's a (slight) hedge against inflation.
by PS241
Tue Sep 17, 2013 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interest Earned on Emergency Fund
Replies: 8
Views: 813

Re: Should we take (small) early withdrawal penalty?

Thanks for the replies everyone. The math in Bob's not my name is especially helpful. I've already got an account at vanguard with my Roth IRA (just haven't funded any this year) and I was trying to irrationally justify throwing away money :oops: to not have to deal with an account we won't likely h...
by PS241
Sun Jun 30, 2013 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we take (small) early withdrawal penalty?
Replies: 8
Views: 670

Should we take (small) early withdrawal penalty?

I have a fairly trivial question with respect to the amount of money affected, but thought I would check with the forum to see if I am missing something obvious. My wife recently quit her job to be a stay at home mom. She was enrolled in the company 401k but never had any matching funds vested. Her ...
by PS241
Sat Jun 29, 2013 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we take (small) early withdrawal penalty?
Replies: 8
Views: 670

Re: Do the Bogleheads here tithe based on net or gross salar

We don't tithe but rather give as we feel led. That being said I do roughly monitor giving to be around 10% of gross. I think last year on taxes we reported 11 -12% actual with cash probably closer to 14%.
by PS241
Thu May 02, 2013 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do the Bogleheads here tithe based on net or gross salary?
Replies: 49
Views: 3408

Re: Stopping Junk Mail

About a year ago I noticed on a credit card offer that the credit reporting agencies were selling my and my wife's name, and I could request them to stop by calling a number. Took about 5 minutes. We were getting 2 or 3 credit card offers every day. Now I get about 1 a month. It's worth a shot if th...
by PS241
Wed Feb 06, 2013 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk Mail
Replies: 51
Views: 3621

Re: Cheapest way to go from laptop to TV.

Lots of DVD / blueray players are WiFi-enabled these days. You could probably get one for $100 -150. Haven`t researched it enough to know if they are junk. You could try a Google chromebox from Samsung. The "desktop" is $300 I think and laptops are$250.
by PS241
Mon Feb 04, 2013 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest way to go from laptop to TV.
Replies: 23
Views: 2623

Re: Where now equity cow?

nedsaid wrote:I hope the reward comes sooner rather than later.

I hope later than sooner..but that's coming from a young person with only a little in the market. Then again maybe I've got the math wrong on that...
by PS241
Sun Jan 13, 2013 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Where now equity cow?
Replies: 7
Views: 1055

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1565.64
by PS241
Wed Jan 02, 2013 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15104

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