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Re: How Much (est) For A Home Addition?

About your local value price per SF * 1.3
by Ted Valentine
Thu Oct 24, 2013 3:08 pm
 
Forum: Personal Consumer Issues
Topic: How Much (est) For A Home Addition?
Replies: 17
Views: 1860

Re: Pay off home?

Pay it off. If you don't like it, you can always go get a mortgage.
by Ted Valentine
Thu Sep 12, 2013 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off home?
Replies: 63
Views: 4487

Re: The Reformed Broker- "Memo to the Passive Investing Tali

I decided to look up taliban because I was suspicious that the word actually means something. The meaning of the word taliban is student. If he is saying that Swedroe et al are students of Jack Bogle or Ben Graham, I would say that is an accurate. However, the more likely explanation is that he is ...
by Ted Valentine
Mon Aug 12, 2013 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Reformed Broker- "Memo to the Passive Investing Taliban"
Replies: 28
Views: 3220

Re: On Shopping And Receiving Change

MunchkinMan - Have you considered carrying $2 bills? I had lunch with a friend yesterday and he had several in his wallet. I made a comment and he explained that he got them in a stack of $500 from the bank. Using $2 bills will lighten your wallet load by 50%. Plus there is the uniqueness factor, wh...
by Ted Valentine
Fri Aug 02, 2013 11:41 am
 
Forum: Personal Consumer Issues
Topic: On Shopping And Receiving Change
Replies: 56
Views: 3122

Re: Should I Roll My Trad IRA?

Unless you are going to be making big big bucks in the future, I think the 25% bracket is boarderline high. Personally, I think you're probably going to be better off deferring the taxes at that rate. However, its impossible to really know which way will turn out better in the long run. Too many var...
by Ted Valentine
Thu Aug 01, 2013 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Roll My Trad IRA?
Replies: 3
Views: 244

Re: Transfer IRAs from American Funds to Vanguard?

I did what you want to do for me and my wife 6 years ago. You can do it all online and it happens automatically. Just pull the trigger and don't look back. You cannot combine the accounts into a single account, but there is nothing to stop you from investing as if they were "combined". For...
by Ted Valentine
Wed Jul 31, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer IRAs from American Funds to Vanguard?
Replies: 6
Views: 458

Re: Age 24: Starting my 401k

My advice is don't over think it and don't be too aggressive. The next 10 years your savings rate will be your largest source of growth, not your allocation. There are no magic bullets. Remember the greatest enemy of a great plan is the dream of a perfect plan.
by Ted Valentine
Tue Jul 30, 2013 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Age 24: Starting my 401k
Replies: 16
Views: 1865

Re: Best way to sell deceased parents' "stuff"

I kept the coffee cups because whenever one of the us showed up, she offered coffee and we sat and talked, so they are a good reminder of her. Once I came back with my two, there was a steady stream of my brothers heading over for just that item. I generally use them on weekends, and keep using one...
by Ted Valentine
Tue Jul 30, 2013 10:23 am
 
Forum: Personal Consumer Issues
Topic: Best way to sell deceased parents' "stuff"
Replies: 27
Views: 3737

Re: Traditional vs. Roth IRA

I think your overall tax rate is pretty high right now. I would probably go with traditional. If you have the cash to pay the taxes with no other needs, then it wouldn't be the worst decision convert it to a roth. Still I'd probably use that cash to pay down debt first, rather than taxes I don't nee...
by Ted Valentine
Tue Jul 30, 2013 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional vs. Roth IRA
Replies: 25
Views: 1584

Re: What is my financial advisor doing?

Is there a name for this type of investing? Is it a hedge fund? The way it was explained to me is that he buys large of amounts of certain stocks and puts different amounts into different people's accounts based on their portfolio value, risk tolerance, etc. Thoughts? First, for the underlined part...
by Ted Valentine
Mon Jul 29, 2013 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is my financial advisor doing?
Replies: 49
Views: 3305

Re: Falling behind the age / salary curve?

You sound like me but a few years down the road. I am in engineering and have a relatively stress free job. I have changed employers twice and those are the only times I ever got anything more than a 3% base increase. Nobody pays for loyalty. I have a family and small children. I value fewer work ho...
by Ted Valentine
Fri Jul 26, 2013 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Falling behind the age / salary curve?
Replies: 31
Views: 3622

Re: If I had retirement accounts to asset allocate over agai

Certainly methods like this have been back-tested. If it paid off, I would think a strategy such as this would be widely touted. Another thought. Doesn't regular investing a certain percentage of wages over time according to a set asset allocation, which is how the vast majority save for retirement,...
by Ted Valentine
Thu Jul 25, 2013 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: If I had retirement accounts to asset allocate over again
Replies: 7
Views: 1327

Re: Google Chromecast Streaming HDMI Media Player

Price is $62.99 on Amazon right now. What happened? Supply and demand. I just refreshed the page and its now $89.99. Am I live blogging the Chromecast bubble? Those are basically resellers selling their recently bought $35 purchase at a profit. if you can wait, the big sellers (Amazon, Best Buy, an...
by Ted Valentine
Thu Jul 25, 2013 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7208

Re: Google Chromecast Streaming HDMI Media Player

Sidney wrote:
Ted Valentine wrote:Price is $62.99 on Amazon right now. What happened?

Supply and demand.


I just refreshed the page and its now $89.99. Am I live blogging the Chromecast bubble?
by Ted Valentine
Thu Jul 25, 2013 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7208

Re: Google Chromecast Streaming HDMI Media Player

Price is $62.99 on Amazon right now. What happened?
by Ted Valentine
Thu Jul 25, 2013 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7208

Re: Home Visit for Life Insurance Medical Exam

They will also take your height and weight and measure your waist and chest. Probably ask a bunch of medical history questions.
by Ted Valentine
Wed Jul 24, 2013 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Visit for Life Insurance Medical Exam
Replies: 10
Views: 1824

Re: 30y - on track for retirement?

Your assumption seems reasonable based on the past, but nobody knows the future. You will know more in 10 years. Hate to say it, but you can work longer if you have to. The good news for you is it appears you are very good at saving and living on a tight budget based on information provided.
by Ted Valentine
Tue Jul 23, 2013 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: 30y - on track for retirement?
Replies: 9
Views: 1097

Re: Change in Company Expense procedure

If your credit is already good then this is nothing to be concerned with. I wouldn't go quite that far. The OP's question was regarding his credit score and that is what I was referring to. Utilizing all of his available credit and paying it monthly is not going to affect his credit score in a way ...
by Ted Valentine
Tue Jul 23, 2013 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Change in Company Expense procedure
Replies: 22
Views: 1193

Re: Take the Pension Fund Candy or Wait

Roll it out to an IRA. VTSAX is a safer place to hold it than a Fortune 500 company over that period of time, and has a higher expected return than the pension. I wouldn't recommend putting it all into VTSAX, but rather just incorporate it into one's normal asset allocation. Agree. My point was all...
by Ted Valentine
Tue Jul 23, 2013 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Take the Pension Fund Candy or Wait
Replies: 27
Views: 2560

Re: Rental Car problem

We have since settled the matter with Hertz in exchange for no further complaints.


I am interested in this process and exactly what you received. How did you address your problem after the fact and what satisfaction were you given?
by Ted Valentine
Tue Jul 23, 2013 10:53 am
 
Forum: Personal Consumer Issues
Topic: Rental Car problem
Replies: 13
Views: 1378

Re: Change in Company Expense procedure

Assuming you pay it off every month it will probably raise your score. If your credit is already good then this is nothing to be concerned with.
by Ted Valentine
Mon Jul 22, 2013 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change in Company Expense procedure
Replies: 22
Views: 1193

Re: Take the Pension Fund Candy or Wait

Roll it out to an IRA. VTSAX is a safer place to hold it than a Fortune 500 company over that period of time, and has a higher expected return than the pension.
by Ted Valentine
Mon Jul 22, 2013 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Take the Pension Fund Candy or Wait
Replies: 27
Views: 2560

Re: How many fundraisers are your kids ask to participate in

Question: Do mandatory school supply lists that are 90% "community items" count for this purpose?
by Ted Valentine
Thu Jul 18, 2013 2:30 pm
 
Forum: Personal Consumer Issues
Topic: How many fundraisers are your kids ask to participate in?
Replies: 12
Views: 603

Re: Roth IRA Question

I would not pick those funds if I were you. I would choose VTSAX and VTIAX. JVN83 - I believe Ted is suggesting you use the Admiral shares of the same funds. They have lower expense ratios thereby leaving more return for the investor (in this case, you ). They have higher minimum initial purchases ...
by Ted Valentine
Thu Jul 18, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Question
Replies: 5
Views: 300

Re: Can we afford private school?

Looks like you can afford to do just about whatever you want. Congrats.
by Ted Valentine
Thu Jul 18, 2013 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 6756

Re: Roth IRA Question

I would not pick those funds if I were you. I would choose VTSAX and VTIAX.
by Ted Valentine
Thu Jul 18, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Question
Replies: 5
Views: 300

Re: Help: Want to undo an actively managed fund IRA purchase

FYI, I think the lowest minimum initial investment at Vanguard is $1000 per fund on select funds. The details you can read here: https://personal.vanguard.com/us/whatweoffer/mutualfundinvesting/accounts . It is very easy to open an account online at Vanguard.com and have it transferred automatically...
by Ted Valentine
Thu Jul 18, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Want to undo an actively managed fund IRA purchase
Replies: 6
Views: 452

Re: Selling your used car online

Craigslist. I sold a 1999 Subaru on craigslist last month. It took about 5 weeks. Make sure your ad is clear about the basic facts and has good pictures. Clean the car up. Price it based on Bluebook. I started mine at the top of the private party value and wasn't getting calls. I changed my ad weekl...
by Ted Valentine
Thu Jul 18, 2013 11:27 am
 
Forum: Personal Consumer Issues
Topic: Selling your used car online
Replies: 18
Views: 1572

Re: buy and hold no matter what?

Impressive savings rate. Great job. Why not write into your investing plan: "If the market shoots up 20% or more over a 3 month period, I will take 50% of the gains to cash." I'm not sure if that's the best thing, only you know that. I'm sure you know there is no correct objective answer b...
by Ted Valentine
Tue Jul 16, 2013 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: buy and hold no matter what?
Replies: 26
Views: 2295

Re: 501(c)(3) can you require fundraising?

This seems to answer your question: https://en.wikipedia.org/wiki/501(c)_organization#General_compliance_issues a 501(c) organization is subject to tax on ... but not including selling donated merchandise or other business or trade carried on by volunteers, or certain bingo games Also are there not ...
by Ted Valentine
Tue Jul 16, 2013 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: 501(c)(3) can you require fundraising?
Replies: 13
Views: 865

Re: Young mid-20s, is I-Bonds for Emergency Fund a good idea

Emergency funds need to be easily liquid. So make sure you have other means to access the money before you can run to a bank to cash the bonds. This is one of those issues that there is disagreement on. My view (and that of many others), is that there are a range of "emergencies". These e...
by Ted Valentine
Fri Jul 12, 2013 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Young mid-20s, is I-Bonds for Emergency Fund a good idea?
Replies: 12
Views: 1329

Re: Young mid-20s, is I-Bonds for Emergency Fund a good idea

Emergency funds need to be easily liquid. So make sure you have other means to access the money before you can run to a bank to cash the bonds.
by Ted Valentine
Thu Jul 11, 2013 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young mid-20s, is I-Bonds for Emergency Fund a good idea?
Replies: 12
Views: 1329

Re: How to get over finance envy

Can someone help me with my finance envy over the OP that makes 2x what I do and is younger? :wink:
by Ted Valentine
Wed Jul 10, 2013 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 16919

Re: Reducing water flow to sump pump

Its probably illegal to send water from your downspouts to the city's sewer system. You can probably find out for sure on your locality's web site. The reason is this increases the volume of water in their system and causes their system to overflow. When their system overflows this releases raw sewa...
by Ted Valentine
Fri Jul 05, 2013 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2812

Re: At what age did your health start to limit your hobbies?

Count me among the "hasn't happened yet" category. What I'm amazed by is how many people (not those posting in this thread) voluntarily choose poor health at an early age, thereby setting the stage for a very physically limited later life. We all know people who hit their 30s and complain...
by Ted Valentine
Fri Jul 05, 2013 12:24 pm
 
Forum: Personal Consumer Issues
Topic: At what age did your health start to limit your hobbies?
Replies: 95
Views: 8064

Re: Having a baby -- [PPACA]

I googled "obamacare maternity coverage 2014" and the first link says that maternity will be covered by plans under the law. The new ObamaCare health care law states that health plans offered in the individual and small group markets, both inside and outside of the Affordable Insurance Exc...
by Ted Valentine
Fri Jul 05, 2013 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Having a baby -- [PPACA]
Replies: 23
Views: 2275

Re: Best websites like Bogleheads

Youtube has some great stuff for situational things like repairing a faucet, fixing a lawn mower, removing a wart, etc Agree, but I hate having to wade through all the bad and unrelated videos and youtube's suggestions they are promoting for $$. If there was a video share site that was edited for q...
by Ted Valentine
Fri Jun 28, 2013 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Best websites like Bogleheads
Replies: 27
Views: 5771

Re: Is this a good day to buy some more?

Today is a good day to buy some more. Unless tomorrow, or next week, or next month, or next year is better.
by Ted Valentine
Thu Jun 20, 2013 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a good day to buy some more?
Replies: 59
Views: 5294

Re: Best way to legally pay a baby sitter

You should determine if the child care tax credit is a better option than the DCA. Here is a link at the IRS describing you question: http://www.irs.gov/Help-&-Resources/Tools-&-FAQs/FAQs-for-Individuals/Frequently-Asked-Tax-Questions-&-Answers/Child-Care-Credit,-Other-Credits/Child-and-...
by Ted Valentine
Thu Jun 20, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to legally pay a baby sitter
Replies: 24
Views: 2694

Re: Downpayment Money from In-Laws

I would take the money only if it was a gift and no strings. Relations with in-laws can get tense just because. I wouldn't want to complicate that with payment plans or complicated LLC arrangements.
by Ted Valentine
Wed Jun 19, 2013 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Downpayment Money from In-Laws
Replies: 52
Views: 4091

Re: Help with Health Insurance

My employer pays 100% of my insurance. To add my wife and kids would cost about $800 / month. So I keep my work insurance and we have a State Rural Health individual policy and we pay $400 / month for the 40-something adult wife and 4 kids. Go to your "State" Rural Health Agency and "...
by Ted Valentine
Wed Jun 19, 2013 10:32 am
 
Forum: Personal Consumer Issues
Topic: Help with Health Insurance
Replies: 47
Views: 2557

Re: career advice: gov vs. private vs. non-profit (Env. Scie

I worked private consultant -> state gov't -> private consulting. You have a good sense of the difference between the two worlds. I think my experience in government has given me a lot of knowledge that is useful in consulting. If your idealism is very important to you as an environmentalist, stay i...
by Ted Valentine
Mon Jun 17, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: career advice: gov vs. private vs. non-profit (Env. Science)
Replies: 13
Views: 1103

Re: Article about young americans not using credit cards

is it good that people are shunning credit and being forced to live within their means, or bad that they aren't learning self-restraint and how to manage credit?


So by your logic if I don't walk into a whore house once a month without participating I haven't proven I'm faithful to my wife?
by Ted Valentine
Fri Jun 14, 2013 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Article about young americans not using credit cards
Replies: 81
Views: 4934

Re: 34yrs old, recently Laid Off and have a Pension. Lump su

I was in a similar situation at your age and I took the lump and rolled it into an IRA. I felt like there was an unseen layer of risk in keeping the pension, which was with a state government, that it could be taken or reduced or manipulated in that system. I did similar calculations as shown above ...
by Ted Valentine
Fri Jun 14, 2013 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: 34yrs old, recently Laid Off and have a Pension. Lump sum?
Replies: 15
Views: 1762

Re: Lets get rid of car dealerships

I purchased from a dealer recently. I thought the salesperson was great. I never entered the dealership either. He brought the car to me. When I was ready to purchase he also brought the paperwork to me. All price and negotiations were done over text message and email.
by Ted Valentine
Mon Jun 10, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Lets get rid of car dealerships
Replies: 58
Views: 4559

Re: Do I really need a Smartphone?

I used to think like the OP - its a toy. I hardly ever play games on it. I find it a very powerful tool that does a lot of things for me.
by Ted Valentine
Mon Jun 10, 2013 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 26852

Re: One doc's interesting revolt against the payment system

That surgery center in OKC looks awesome. Wish I had one near me! I wonder what the local hospitals think of that place? I wouldn't say awesome. I can give you an example. My daughter is scheduled for Tonsillectomy and Adenoidectomy. Their transparent fee, all included is $3695. Just so happens tha...
by Ted Valentine
Thu May 30, 2013 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: One doc's interesting revolt against the payment system
Replies: 65
Views: 5564

Re: Investing for child w/o affecting financial aid?

How sure are we that financial aid rules will be the same in 15 years as they are today? I think trying to game the system is potentially foolish and possibly dishonest. The money was given to him, invest it for him.
by Ted Valentine
Thu May 30, 2013 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Investing for child w/o affecting financial aid?
Replies: 24
Views: 1454

Re: Possible bullying at work

As others have said, do not send that email. I like the direct approach to a specific action. Do not initiate a broad and general confrontation about past behaviors. Instead, the next time he does something that you do not like, respond by asking him, "Please not do X, it makes me feel Y, and I...
by Ted Valentine
Thu May 30, 2013 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Possible bullying at work
Replies: 87
Views: 7632

Re: Start portfolio investing from 0: lump sump or DCA ?

Long term this is likely not a big deal. Do what you are comfortable doing. Larry Swedroe wrote the following in his book, The Only Guide to a Winning Investment Strategy: “If you had invested the same amount on January 1 of every year for 30 years beginning in 1965, your return would have been 11 p...
by Ted Valentine
Thu May 30, 2013 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start portfolio investing from 0: lump sump or DCA ?
Replies: 3
Views: 284
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