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Re: Have 20k to invest.. trying to time it.

What happens if you wait 2 weeks and it went up 5%? would you still put the money in?

based on the last 12 months, going up a few percentage in the next 2 weeks is possible.
by bogleblitz
Sun Feb 15, 2015 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have 20k to invest.. trying to time it.
Replies: 7
Views: 1071

Re: Why would I want to contribute to Trad. IRA over Roth?

Roth is always better than a Non deductible traditional IRA. So once you go over $96,000, Roth is better than non deductible traditional IRA.

http://www.bogleheads.org/wiki/Non-dedu ... tional_IRA
by bogleblitz
Sat Jan 31, 2015 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 571

Re: Filed your 2014 Federal Taxes yet?

still waiting on Vanguard brokerage which is mid Febuary.
by bogleblitz
Sat Jan 31, 2015 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4278

Re: Silly question.. can I write a check to myself?

Yes you can. I even take a picture of the check and deposit the checks online.


Please note that there will be two $30 bounce check fee if there are insufficient funds :D
by bogleblitz
Fri Jan 30, 2015 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Silly question.. can I write a check to myself?
Replies: 6
Views: 654

Re: iphone upgrade dilemma

As others already mentioned, buy from Costco. It is cheaper, tax free depending on state, and free car charger and car holder. Next plan is cheaper if you get the 10gb or higher plan. Next plan gives you a $25 discount. Next plan is more expensive if you get less than 10gb. You are probably on a leg...
by bogleblitz
Fri Jan 30, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2416

Re: T-Mobile to Launch New 'Simply Prepaid' Plans

$40 is too expensive.

Most bogleheads would like a $10-$20 plan.
by bogleblitz
Thu Jan 15, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: T-Mobile to Launch New 'Simply Prepaid' Plans
Replies: 4
Views: 1080

Re: What was your costliest investment mistake?

Buying Direxion Daily Financial Bear 3X Shares (FAZ) and Direxion Daily Financial Bull 3X Shares (FAS) then keeping these stocks for long periods like few weeks/months. These stocks should only be held less than 1 day. otherwise you lose all your money. also lost about 90% on a few other individual ...
by bogleblitz
Tue Jan 13, 2015 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 13731

Re: Bilingual households

I taught my kid multiple language the same as my parents taught me. For english, everyone will learn that at school. So at home, there will be no english on TV and no english music. Everything we watch at home is the native language, this way the child will never forget the native language. We only ...
by bogleblitz
Wed Jan 07, 2015 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Bilingual households
Replies: 39
Views: 5279

Re: [Annual POLL] What was your 2014 return?

8% according to fidelity 401k website. 60% stock / 40% bond
by bogleblitz
Thu Jan 01, 2015 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14953

Re: What are you up YTD?

How do you see one's YTD in vanguard.com?

I guess I need to wait as vanguard only shows YTD up to Nov 30th.
by bogleblitz
Thu Jan 01, 2015 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39180

Re: How to make more money?

I'm a computer programmer so don't be envious. I'm envy of my cousins who live paycheck to paycheck but party every weekend. A computer programmer can make up to 100k in a low cost of living area or 150-200k in the bay area. What ever you study, make sure you have a passion for it. Don't go just for...
by bogleblitz
Wed Dec 31, 2014 1:46 am
 
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 5689

Re: Have you ever hoped for a correction?

Yes, was hoping for a 10-20% correction this year 2014. I don't like seeing the market at an all time high every month.
by bogleblitz
Wed Dec 24, 2014 1:19 am
 
Forum: Investing - Theory, News & General
Topic: Have you ever hoped for a correction?
Replies: 52
Views: 3732

Re: Humidifiers?

Get a humidity meter no mater which humidifer you get. Something like this: http://www.amazon.com/AcuRite-00611A3-Wireless-Thermometer-Humidity/dp/B001B35APA Set the humidity depending on the outside temperature rough estimates based on google search: 40 degree = 45 humidity 30 degree = 40 humidity ...
by bogleblitz
Mon Dec 15, 2014 2:13 am
 
Forum: Personal Consumer Issues
Topic: Humidifiers?
Replies: 14
Views: 1059

Re: Best Boglehead Unlocked Phones

Since you had a Nexus 4, then keep with the Nexus line. Nexus 5 for $350 is very bogleheadish. Nexus 6 is quite expensive $600+ and not recommended right now. I think it will drop in price down to $400 in a few months. Motorola E,G,X are all good choices as well. My family and I all have iphones, ip...
by bogleblitz
Sat Dec 13, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Best Boglehead Unlocked Phones
Replies: 9
Views: 1604

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

indexfundfan wrote:These are the same prices that Vanguard is offering to its Flagship clients. Is this a pricing error?


the link is for affiliate customers (flagship clients, new customers, etc). if you go to turbotax.com without clicking the link in the OP, you will see normal prices.
by bogleblitz
Sun Dec 07, 2014 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 4462

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

found this deal from another website. I bought premier downloaded version.
by bogleblitz
Sun Dec 07, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 4462

Re: Back-up Drive - Local or Cloud? Which?

I'm local.

I did want to use google drive but it takes forever to upload my 20gb pictures. I'll be fully online cloud soon.
by bogleblitz
Mon Nov 24, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 3745

Re: Daycare payments - a way to get further discount?

Good Luck (and $2,500 per month for two sounds like you might be better served with a nanny, just sayin') 2,500 is a good deal for 2. At first I thought $2500 for 1 as I've seen brighthorizon.com charges that much. I rather my kids go to a daycare center and play with other kids than stay at home w...
by bogleblitz
Fri Nov 21, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1642

Re: Send text messages from PC to Cell Phone

Sunny Sarkar wrote:
jebmke wrote:Google Voice

+1



+2

https://www.google.com/voice
by bogleblitz
Fri Nov 21, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3571

Re: Humidifier: How much condensation is too much?

It seems alot of people in this thread are confused about what type of humidifier the OP has and don't understand what the "Auto" mode is. The humidifier knows exactly what the temperature it is outside so it doesn't matter if it is too cold outside and it doesn't matter where the OP lives...
by bogleblitz
Fri Nov 21, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 3214

Re: Daycare payments - a way to get further discount?

If you want the most discount, get the 2% back one from citibank. here is the thread http://www.bogleheads.org/forum/viewtopic.php?f=2&t=145785 If you want free credit score every month, you can use creditkarma.com or mint.com Yes, paying off every month will improve your wifes credit score in t...
by bogleblitz
Fri Nov 21, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1642

Re: My grown up Christmas wish-A Warm House

I had a thought of using a space heater in the basement to allow the heat to "trickle up" through the first and second floors. I know this is probably not very efficient, but has anyone tried this or have any opinions on whether it would work? Any other ideas? space heater is good for the...
by bogleblitz
Fri Nov 21, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 3700

Re: Fidelity 2-Factor authentication fail...

I may be wrong but a phone call is very safe in my opinion. All phone calls are recorded and logged. phone numbers can not be spoofed and the police can trace a phone number back to a home address. So a hacker will not call fidelity because the phone call will be traced back to the hacker's home add...
by bogleblitz
Fri Nov 14, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1223

Re: Electricity costs going up

I also live in MA and use National grid. I have tried to switch to other 3rd party suppliers/distributors in the past. My experience were not good with other suppliers/distributors. When issues occur, I had to call both National grid and the 3rd party supplier/distributor. I was stuck in a 2 year co...
by bogleblitz
Thu Nov 06, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 4073

Re: made it through volatile October , hope to stay the cour

I'm disappointed that it didn't drop more and stayed there longer. I learned I can tolerate a 10% drop which means I make nothing for year 2014.

I can probably handle another 30% drop which means I made nothing for 2012-2013.
by bogleblitz
Wed Nov 05, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: made it through volatile October , hope to stay the course
Replies: 19
Views: 1437

Re: What do you set your thermostat to (in F)?

I used to keep it less than 70 and feel a bit cold.

I'm a landlord and see all my tenants turn it up to 75. So I try to keep it above 70 this year.
by bogleblitz
Tue Nov 04, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 5083

Re: Viewing forum on iPhone - font too small

Reading this on iPhone 6 landscape. Using pinch zoom most of the time. Works ok
by bogleblitz
Sat Oct 25, 2014 12:02 pm
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 2913

Re: Mr. Market turns on Amazon

as of right now, amazon has a P/E of 822.97. Is that correct? How can it be that high when the average is 15.

Does that mean amazon stock can drop 98% to get to a P/E ratio of 15?
by bogleblitz
Thu Oct 23, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4663

Re: Credit Score Question

buying home and auto insurance requires good credit score for the best rate.
by bogleblitz
Thu Oct 23, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question
Replies: 6
Views: 443

Re: Fraud charges on CC again...

Chase calls, text, and emails me when there was a fraud. Did they call you or you found out yourself?

Get the new credit card with EMV chip in it, it is much harder to duplicate. So it is safer.

https://www.chase.com/credit-cards/smart-chip-faq
by bogleblitz
Thu Oct 16, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1656

Re: U.S. stocks in freefall

My YTD porfolio is very close to 0% Oct 13th. i made nothing and lost nothing for 10 months.

75% stock/ 25% bond
66% US / 33% International
by bogleblitz
Mon Oct 13, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1261
Views: 241439

Re: Anyone buy inverse ETFs during a correction or crash?

sadly, i bought these before I became a boglehead, recommended from a friend of a friend. I held them for more than a day, sometimes weeks not knowing it should be less than 1 day. Heads, you lose. tails you lose. I still don't understand how one can win in this game. I would stay far far away from ...
by bogleblitz
Mon Oct 13, 2014 7:10 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone buy inverse ETFs during a correction or crash?
Replies: 13
Views: 1062

Re: The more I research, the more confused I become... help!

Vanguard 2035, fidelity, or t Rowe 2035 are all good. Just pick one.

People on this forum prefer vanguard more.

Your asking if one should buy a Toyota, Honda, or Nissan car. They are all good.
by bogleblitz
Wed Oct 08, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: The more I research, the more confused I become... help!
Replies: 15
Views: 1757

Re: Anyone ever get a roundtrip violation [at Fidelity]?

Yes I did get a letter. It was when I just started being boglehead and moved my money around too much.
by bogleblitz
Wed Oct 08, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Anyone ever get a roundtrip violation [at Fidelity]?
Replies: 21
Views: 2179

Re: Chase and security

I have 2 chase cards and I'm pretty happy with their service. I feel pretty safe and I'm not doing anything.

In the past, I had chase called me with suspicious charges and called about replacing my card completely. I'm sure they will call me again if something needs to be done.
by bogleblitz
Sun Oct 05, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase and security
Replies: 3
Views: 619

Re: Those under 35 with a child 5 or under: Costs of child?

I am very fortunate and lucky to have grandparents from both sides helping out with childcare for the first 3 years while we both worked.

sadly I'm over 35 and don't belong to this thread.
by bogleblitz
Fri Oct 03, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 5034

Re: Investment Property

I go by the 10% rule. so a $329k house should get $3,290 in monthly rent. I did own a $330k townhouse and collected $2000 rent for 3 years during 2008 because I couldn't sell it. Sold it in 2011. I think I did well those 3 years but I'm making more money now collecting rent from a multifamily house ...
by bogleblitz
Fri Sep 19, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Property
Replies: 10
Views: 877

Re: When do you have too many credit cards?

Keep them, it helps credit score. Especially the older the card the better it helps the credit score. Cards signed up 20 years ago help credit score meaning you have 20 years of history on that card and no late/defaults = good credits. Signing up a new card reduces credit score because now you have ...
by bogleblitz
Mon Sep 08, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you have too many credit cards?
Replies: 16
Views: 1440

Re: Why does the stock market "always go up"? Will this pers

Thanks for the responses everyone. In this example, excluding inflation, wouldn't a company's stock price stay the same if it was making a profit of 10% a year? My intuition says that perpetual growth isn't sustainable, that eventually, we'd hit a "cap". So I'm still a noob here - what is...
by bogleblitz
Mon Sep 08, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 4406

Re: Why does the stock market "always go up"? Will this pers

Think if the entire stock market is made up of 1 company, Mcdonalds. In this imaginary world, you can only eat at home, eat at local own restaurants, or Mcdonalds. So as long as Mcdonalds is able to make a profit of 10% of year, then stock investors also make 10% a year. You can then expand the enti...
by bogleblitz
Mon Sep 08, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 4406

Re: Six-Figure Incomes—and Facing Financial Ruin [WSJ articl

Great article. What's even better is in the comments section of the article. Sylvia Flores, the person who went backrupted, is responding to alot of comments.
by bogleblitz
Fri Sep 05, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9960

Re: Do I need bonds?

Yes, you need bonds.

I'm 37, have a family, and rental properties just like you. I'm more conservative.

As a diversified investor, everyone should own a bit of cash, bonds, real estate, stocks.
by bogleblitz
Wed Sep 03, 2014 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bonds?
Replies: 43
Views: 3390

Re: Did you reveal to your kids...your savings and salary

Nope. Not only do I not reveal it, my wife doesn't know my salary and savings.

My wife has a rough idea but she doesn't care. She knows we have enough and live below our means. I'll teach that to my kids.
by bogleblitz
Tue Sep 02, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7576

Re: Cell phone plan on cruise - direct experience?

I went on a cruise twice and didn't even know there was a cell phone plan.

I thought cell phones don't work in the middle of the ocean.

I paid to use their computers but it was super slow and super expensive.
by bogleblitz
Wed Aug 27, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone plan on cruise - direct experience?
Replies: 5
Views: 472

Re: Hit a financial milestone at an age milestone

Congrats. I'm only 37 but have a similar estimate milestone as OP.

For the 200k income for my family, roughly

66k taxes
66k spent
66k saved
by bogleblitz
Wed Aug 27, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5359

Re: Want to buy a used Mini Cooper-> Talk me into it?

what I'm looking for is reliability, good gas milage, and low cost of ownership. Talk me into buying a Mini Cooper :P I used to own a mini cooper, great car. I recommend buying it. reliability, mazda 3 or civic is more reliable. good gas milage, Yes it is. so is the mazda 3 or civic. low cost of ow...
by bogleblitz
Wed Aug 20, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 25
Views: 2230

Re: How the rich stay/get richer??

Yes this is true.

Then by the 3rd and 4th generation, the grandchildren and great grandchildren will tap the principal and spend it all.
by bogleblitz
Tue Aug 19, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 5538

Re: Tracking Credit Score

Credit karma https://www.creditkarma.com gives free credit and monthly monitoring.
by bogleblitz
Thu Jul 31, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 19
Views: 1342

Re: Anyone here flip houses?

#1 most important: You have to have a passion for it. already mentioned in previous post but if you don't have passion, don't do it!! Me personally, I hate it and was sorta forced into from parents/spouse. I hate fixing walls, ceilings, floors, kitchens, plumbing etc. I hate calling contractors to d...
by bogleblitz
Mon Jul 14, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 5198
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