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by StormShadow
Fri May 22, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Roth IRA or pay student loans?
Replies: 13
Views: 932

Re: Fund Roth IRA or pay student loans?

Attending here, 1 year out of training. My thoughts: Was also in IBR with same salary, and initially my monthly payments were only $340/mo (all interest). Midway through training, got married to DW who made more money and auto monthly payments bumped up to $1,300 (some to interest and some to princi...
by StormShadow
Thu May 21, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3702

Re: Put money down on new car, dealer wants color change

To the OP - buying cars sucks so don't feel bad if you are not able to get all of your money back. You've learned a lesson about giving a dealer money before the purchase, consider it tuition. Everyone on this board has paid this kind of tuition in various walks of our financial life. That's why we...
by StormShadow
Thu May 21, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3702

Re: Put money down on new car, dealer wants color change

...My wife was set on this color, especially since the last vehicle we purchased 4 years ago had the same thing happen and she was talked into a different color. Is this common? These are the only two vehicles we have every bought new. Can we cancel the deal with this dealer? If we could agree to s...
by StormShadow
Sun May 03, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9194

Re: Will you buy self-driving car?

Eventually, yes... as the price comes down and the technology improves. For one, DW is terrified of driving, and was ecstatic when she heard that self-driving cars were finally coming to the market. Also, at some point most of us will lose the ability to safely control a motor vehicle. I don't think...
by StormShadow
Sat Apr 11, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116757

Re: What Movie Have You Recently Watched?

Last 5 Redbox rentals: Imitation Game (superb film) Big Hero 6 (definitely enjoyable, but not one of Disney's best) Interstellar (if you liked Contact and 2001, you'll love this... otherwise, you might want to pass) Foxcatcher (solid film) Mockingjay (only reason I saw this is because I saw the prio...
by StormShadow
Sun Mar 22, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9470

Re: Whats a good Pistol to buy?

+1 for the S&W or Ruger revolver. Just go to a range and rent a few. I personally like Glock and Sig Sauer, but if you're not used to shooting then a semi-auto may not be ideal as a first (only?) handgun to get. Agree with others that you should take a shooting/safety course. Know the four rules...
by StormShadow
Fri Mar 20, 2015 11:56 pm
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4862

Re: How does one increase their typing speed and accuracy?

I clock about 90 wpm. Good days 95+. My secret was AOL instant messenger. Typing games helped too. First you gotta start with the basics and have the correct fingers reaching for the appropriate keys. "T" with your left index, "Y" with your right index, "X" with left ri...
by StormShadow
Sat Mar 07, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for an aspiring MBA applicant
Replies: 1
Views: 389

Re: Investment advice for an aspiring MBA applicant

My 2 cents: Get the job first. Work hard and do well. Have your job pay for your masters.
by StormShadow
Sat Mar 07, 2015 12:52 am
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3624

Re: Anyone hold precious metal

Prague wrote:Does anyone hold precious metal in their portfolio? If so, do they stick with silver or gold and in physical or paper certificate?

Gold and silver bullion coins. More of a hobby, for me. It constitutes 1-2% of my investment assets.

I like to think of it as a currency/inflation hedge.
by StormShadow
Tue Mar 03, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 76
Views: 12661

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Valuethinker wrote:It is sad to see anyone go. I remember David Halberstam went like this and it seemed so wrong, that we would not read more words by him.

Closer to home this one hits, too.

Not to mention Patton.

Though, I imagine Patton wasn't as pleasant to talk with.
by StormShadow
Sun Mar 01, 2015 1:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Strikes Back With Lower Target-Date Fees
Replies: 13
Views: 4179

Re: Vanguard Strikes Back With Lower Target-Date Fees

If these funds are like other Vanguard institutional funds, they will have a $5,000,000 minimum. Too rich for my blood. :( "...Vanguard's new offerings, directed at retirement-plan providers, will require a $100 million minimum initial investment for investment-only clients, though recordkeepi...
by StormShadow
Fri Feb 20, 2015 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1204

Re: In our situation, how much would you put in your 2014 Ro

Woah, everyone is saying to max both of them. That's unexpected. And it's extraordinarily scary. Spend $11,000 in one shot? That's coming up on our entire year's budget. Chopping our liquid cash down by that much scares me. Kind of strange, because the thought of our current Roths being 90/10 doesn...
by StormShadow
Fri Feb 20, 2015 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1204

Re: In our situation, how much would you put in your 2014 Ro

WHL wrote:At your income level, is a Roth IRA even the right choice?

They make $25k per year. At that income level, how is a Roth IRA NOT the right choice? With the standard deduction, their income tax rate is literally 0%! In this situation, I'd max out a Roth no questions asked.
by StormShadow
Thu Feb 19, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 11552

Re: What video games are you currently playing?

Love this thread! Unfortunately, DW hasn't let me buy/play a video game since she became... DW. :oops: Last games played were: Call of Duty Modern Warfare 2 and StarCraft II Wings of Liberty (prior to expansion). Loved 'em both! I love FPS and most Blizzard games (though never started WoW... <--- pr...
by StormShadow
Sun Feb 15, 2015 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8834

Re: Expecting a big inheritance - Should it change my life?

Plan your life as if you weren't going to get any of it.
by StormShadow
Sun Feb 15, 2015 1:41 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 4346

Re: Does anyone like the new Toyota/Lexus grilles?

2011 Camry owner here. Hmm... yeah, I'm not a big fan of the new design. The bumper grille is too much. At least the interior is nice. I like the leather covered shifter. http://assets.nydailynews.com/polopoly_fs/1.1975018!/img/httpImage/image.jpg_gen/derivatives/article_970/2015-toyota-camry-interi...
by StormShadow
Sun Feb 15, 2015 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 3196

Re: Just no petroleum or defense?

If it means this much to you, then you'd have to hand-pick all of the individual stocks. A bit more legwork on your part, but not impossible. Pick at least 10-15 companies to diversify your investments in, spread across several different industries. Looking at the components of the Dow Jones Industr...
by StormShadow
Fri Feb 06, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9517

Re: How to make this fair: gifting to kids with different me

"Your kids a quite different - one went in a "traditional" track and makes quite a bit of money and saves a lot (kid A), one had more trouble settling down and makes enough to have a perfectly decent life but you'd like to encourage that one to save more (kid B)." Speaking for m...
by StormShadow
Sat Jan 31, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 68
Views: 5675

Re: Play money- what is your process?

Precious metals. 8-)
by StormShadow
Sat Jan 31, 2015 9:35 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6795

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by StormShadow
Fri Jan 30, 2015 6:51 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6795

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by StormShadow
Fri Jan 30, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: A Gift - tax consequences
Replies: 16
Views: 1067

Re: A Gift - tax consequences

No advice here. Just wanted to say, this is one very generous and thoughtful gift. Kudos! :beer
by StormShadow
Thu Jan 29, 2015 9:51 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6795

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar?

Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument.
by StormShadow
Wed Jan 28, 2015 6:53 pm
Forum: Investing - Theory, News & General
Topic: Does college tuition indeed keep up with inflation?
Replies: 15
Views: 1306

Re: Does college tuition indeed keep up with inflation?

OP, you're kidding right?

College tuition has spiraled out of control. It is the current economic bubble.
by StormShadow
Mon Jan 26, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Wisdom of transferring current assets to Vanguard?
Replies: 15
Views: 1884

Re: Wisdom of transferring current assets to Vanguard?

You answered your own question.

Run, do not walk, to Vanguard.
by StormShadow
Mon Jan 26, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 4224

Re: wife's purse

my wife wants a good purse and she mentioned a Coach purse. Any recommendations? She would keep it for probably ten years or more. She wants good things and keeps them forever. It would be an every day purse and said she needs the shoulder strap. SHe has been using these Vera Bradley purses, which ...
by StormShadow
Mon Jan 26, 2015 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with stock allocation (Europe)
Replies: 14
Views: 1299

Re: Help with stock allocation (Europe)

MountainTop wrote:This is the HB Permanent Portfolio in a nutshell: 25% TSM, 25% LT BONDS, 25% GOLD, 25% CASH for prosperity, deflation, inflation and recession. ...

What do you guys think? Please be brutally honest...

Thanks!

How are you investing in the gold?

Bullion, GLD ETF, gold mining stocks... ?
by StormShadow
Fri Jan 23, 2015 11:06 pm
Forum: Personal Consumer Issues
Topic: Anyone else love reading textbooks?
Replies: 82
Views: 3003

Re: Anyone else love reading textbooks?

Negative, ghostrider.
by StormShadow
Fri Jan 23, 2015 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2254

Re: Young Couple Need Advice

Due to my car being a gas hog, I usually drive the lady's vehicle when I can. This is difficult, however, since it is in such bad shape cosmetically and I don't really want patients + physicians seeing me in it. Kind of silly, but the way they treat you is much different. I want to avoid this. Atte...
by StormShadow
Fri Jan 23, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2254

Re: Young Couple Need Advice

Due to my car being a gas hog, I usually drive the lady's vehicle when I can. This is difficult, however, since it is in such bad shape cosmetically and I don't really want patients + physicians seeing me in it. Kind of silly, but the way they treat you is much different. I want to avoid this. Atte...
by StormShadow
Thu Jan 22, 2015 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I open a Roth IRA ?
Replies: 25
Views: 2055

Re: Should I open a Roth IRA ?

The income limits to contribute to a Roth IRA are based on the calendar year you plan to contribute to it. If you plan to contribute to a 2014 Roth IRA, then the income limit is based upon how much you made in 2014. (Btw, you have until April 15, 2015 <tax day> to contribute to a year 2014 IRA.) For...
by StormShadow
Tue Jan 20, 2015 11:54 pm
Forum: Investing - Theory, News & General
Topic: good time to invest in a Reit Index fund?
Replies: 40
Views: 4879

Re: good time to invest in a Reit Index fund?

I tilt to REIT's in my tax deferred accounts due to their historically low correlation with most other stocks and bonds. Made the decision several years ago right around the time they took clobbering from the '08-'09 subprime mortgaging disaster. Performance was pretty rocky at first, which I expect...
by StormShadow
Mon Jan 19, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Taking advantage of the Euro's decline
Replies: 8
Views: 880

Re: Taking advantage of the Euro's decline

Traveling in Europe should be cheaper for Americans at least for the time being.

If you really want to roll the speculation dice on Europe/Asia... load up on Russian roubles. Giddiyap.
by StormShadow
Sun Jan 18, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: "Wining and dining" in medical community
Replies: 35
Views: 3673

Re: "Wining and dining" in medical community

Drug rep dinners. That's about as close to the "wining and dining" I get.
by StormShadow
Sun Jan 18, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116757

Re: What Movie Have You Recently Watched?

Guardians of the Galaxy. A mix of Firefly and Star Wars gone bad. I would classify this as a slasher film, as the music from '70s and '80s was hacked in ways that would make the original composers turn over in their graves.* The music was also used as background for some the action scenes. Ugh. It ...
by StormShadow
Sat Jan 17, 2015 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Can't purchase Index funds at Ameriprise?
Replies: 11
Views: 1044

Re: Can't purchase Index funds at Ameriprise?

Ameriprise offers actively managed funds so they can justify their exorbitant fees. Makes perfect sense to me.

Now, ask me why you would pay such fees to invest with Ameriprise? I have no clue. I don't recommend it.
by StormShadow
Sat Jan 17, 2015 9:21 pm
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 11107

Re: Why invest in International funds? It's a mystery

NotRetiredYet wrote:Just because a company is selling its products and services to overseas buyers, that shouldn't mean that your portfolio has international exposure. Does it?

No, its when a company you invest in is not based in the United States, that should mean you are investing in an international company.
by StormShadow
Sat Jan 17, 2015 3:29 pm
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 11107

Re: Why invest in International funds? It's a mystery

I invest in international funds for two reasons. First, as mentioned by others, over the long haul having ~20% of your portfolio invested in international can reduce risk with greater returns. Second, and more simply... have you looked at the stocks that make up the vanguard total international stoc...
by StormShadow
Tue Jan 13, 2015 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: I have to leave Ameriprise
Replies: 22
Views: 3384

Re: I have to leave Ameriprise

Ameriprise IRA Invesco Balanced-Risk Allocation Fund Class C ABRCX 7.69% $67,234.90 Prudential Jennison Equity Income Fund Class C AGOCX 5.02% $43,830.23 Invesco Select Companies Fund Class A ATIAX 3.10% $27,076.92 Federated Capital Income Fund Class A Shares CAPAX 1.08% $9,411.62 First Eagle Globa...
by StormShadow
Tue Jan 13, 2015 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6486

Re: Dazed, Confused and Upset

Next time you visit your advisor in his stately mahogany office, do admire the woodwork and compliment him on it, as well as on his watch and his car. You could add a “You're welcome,” too. After all, you paid for all of it. My advice... don't bother talking to the advisor. You've made him enough m...
by StormShadow
Mon Jan 12, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116757

Re: What Movie Have You Recently Watched?

Quite possibly the greatest movie ever made... Guardians of the Galaxy. :mrgreen: :mrgreen: :mrgreen:
by StormShadow
Mon Jan 12, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Financ[ing] My Son's Law School
Replies: 65
Views: 4639

Re: Financ[ing] My Son's Law School

Sorry if this was already mentioned.

One benefit of directly paying part/all of his school tuition and avoiding student loans... Paying tuition directly does not trigger a gift tax.
by StormShadow
Sun Jan 11, 2015 9:08 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 160
Views: 16370

Re: Bogleheads 2015 Hedge Fund Contest

Thanks for setting this up, Norbert! :beer
by StormShadow
Sun Jan 04, 2015 2:13 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 21412

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Huzzah! Third place! :beer

Could have finished higher, but someone "The Price is Right"-ed me soon after my bid. :annoyed

Prediction: 1930.14 :wink: (incorporates my daughter's birthday)
by StormShadow
Sun Jan 04, 2015 2:06 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 160
Views: 16370

Re: Bogleheads 2015 Hedge Fund Contest

Finally get to participate in this! :mrgreen: Name: Cobra Kai, LLC Company motto: "We believe in striking first, striking hard and without mercy." Long : BKS - Barnes & Noble CVX - Chevron HL - Hecla Mining Short : AVNR - Avanir Pharmaceutical ISIS - Isis Pharmaceutical SWHC - Smith &a...
by StormShadow
Thu Jan 01, 2015 9:21 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11274

Re: Stacked up some more silver bullion today

Stacking seems like it could be a fun hobby and the coins are attractive if stored properly. And who knows you can wake up one day and silver spikes and your hobby actually turns a profit, not many hobbies can actually make money. Maybe I should try it. Exactly, its fun. I used to collect comic boo...
by StormShadow
Thu Jan 01, 2015 12:38 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11274

Re: Stacked up some more silver bullion today

Just got a 20 oz roll of American Silver Eagles. Spot price is $15.69/oz. Who's your favorite vendor? I've only used APMEX so far. Seems to be one of the most popular and recommended online dealers to purchase precious metals. They also accept credit card. I think they charge higher premiums as com...
by StormShadow
Thu Jan 01, 2015 9:57 am
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11274

Re: Stacked up some more silver bullion today

Just got a 20 oz roll of American Silver Eagles. Spot price is $15.69/oz.

If it creeps below $15, I might have to get another 20 oz.

Sure its market timing, but I enjoy stacking! :mrgreen:
by StormShadow
Sat Nov 29, 2014 6:04 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 16922

Re: Documentaries to recommend?

The Bridge (2006) - haunting and controversial film due to the subject matter. Basically, a guy sets up a video camera watching the Golden Gate Bridge for a year looking for jumpers. Film is mixed with interviews of various friends and family of those who died. Some TV documentaries (miniseries styl...
by StormShadow
Sat Nov 29, 2014 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 93
Views: 11717

Re: Life changing decision... advice needed!

It's time for you to decide whether you are more strepto (chained to others) or more coccus (interpretation up to you), and to run with it, and the rest be damned. http://forums.watchuseek.com/attachments/f381/1033730d1365021565-finally-high-end-watch-call-my-own-sticker-375x360.u2.png For the reco...

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