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Re: fidelity bond fund vs vanguard bond fund

Thanks. But beside ER di they pretty much follow the same index?
by genjix
Thu Jul 24, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: fidelity bond fund vs vanguard bond fund
Replies: 6
Views: 735

fidelity bond fund vs vanguard bond fund

Hi all, Looking for some comparison advice on bond funds. Is Fidelity's US Bond index fund just as diversified as Vanguards Total bond market? In my 401, Fidelity expense ratio is .07% so I was thinking about using that bond fund instead of vanguards total bond market fund Spartan® U.S. Bond Index F...
by genjix
Wed Jul 23, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: fidelity bond fund vs vanguard bond fund
Replies: 6
Views: 735

Re: Investing in a carwash

I had a neighbor. During the 2008 downturn I would see him leave for work in the morning. I was glad to see that he stayed employed. Over the summer I found out he owned/ran a carwash down the street. I "figured" it was one of those invinicible things like car repair. (people will get the...
by genjix
Thu Jan 23, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in a carwash
Replies: 36
Views: 3576

Re: 'Play' Money

yes, i do a combo of buy and hold and swing trade.

Its worked out well for me 2013 I made a 90% gain in the brokerage account, and used part of it to fully fund my 2014 Roth contributions, my primary is still index investing.
by genjix
Sun Jan 19, 2014 11:54 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 7044

Re: Finished Basement Ideas

like someone mentioned above, maybe put all the wiring through carflex or something you can easily replace, as cables are always improving for better quality/speed. Maybe put a drag line in there too in case you want to pull additional cable
by genjix
Sun Jan 19, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2448

Re: Need help with 403b bond fund

retiredjg wrote:
genjix wrote:MML Managed Bond Fund
Total Annual Fund Operating Expenses
.65%

I think this is the best choice on that list.


Thanks for the advice, appreciate the help
by genjix
Tue Jan 07, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with 403b bond fund
Replies: 2
Views: 147

Need help with 403b bond fund

Hi All, Its now to the point where I'm running out of space in my Vanguard account so I'll have to start reallocating future funds in my 403b My 403b is currently 100% Equity Index fund, but now I'll have to start making it 80% equity index fund and 20% Bonds. All my current bonds are in Vanguard wh...
by genjix
Tue Jan 07, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with 403b bond fund
Replies: 2
Views: 147

Re: Anyone own any small cap stock ETFS? Thoughts on VBR Vs.

So if history shouldn't have any effect in the decision making process why does the wiki use the term "historically" and "based on past performance" and why tilt at all? Shouldn't large cap have an equal chance of high returns as small caps given that nobody has a crystal ball. ...
by genjix
Thu Jul 25, 2013 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone own any small cap stock ETFS? Thoughts on VBR Vs. VBK
Replies: 6
Views: 430

Re: Anyone own any small cap stock ETFS? Thoughts on VBR Vs.

So if they were down 20% this year, you wouldn't be buying them? Think you need to determine what your plan looks like long term (and no it doesn't mean choosing investments that have had high historical returns, unless you have a time machine) I often see this argument and can understand it, but t...
by genjix
Thu Jul 25, 2013 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone own any small cap stock ETFS? Thoughts on VBR Vs. VBK
Replies: 6
Views: 430

Re: Is it important to frequently change passwords?

If you're in a public company you have to follow SOX compliance (sarbanes oxley). Same as if your company does anything with credit card information, they have to follow PCI compliance standards. Not only changing your password every 90 days, but never email password information or credit card info....
by genjix
Thu May 02, 2013 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Is it important to frequently change passwords?
Replies: 37
Views: 2791

Re: Windows 8/7

upgrade to windows 8.1 they bring back the start icon and the classic feel you're used to.
by genjix
Thu May 02, 2013 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4998

Re: wedding gift - tacky or not ....

Here in NYC weddings are pretty expensive I think average is around 30k + so its almost expected cash gifts to re-coop the cost per plate.
by genjix
Wed May 01, 2013 5:39 pm
 
Forum: Personal Consumer Issues
Topic: wedding gift - tacky or not ....
Replies: 57
Views: 3209

Re: Unsecured wifi

I would NEVER do banking on a shared wireless network. Somone can easily be on that network running wireshark on their laptop sniffing and capturing passwords very very easily. Secure SSL has no protection if the person sniffing the traffic is on the same side of the firewall as you. Its like having...
by genjix
Tue Apr 30, 2013 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Unsecured wifi
Replies: 66
Views: 6423

Anybody watch Zeitgeist documentary?

I was bored and browsing netflix and started watching these documentaries they are pretty much conspiracy theorists. They bring up a few points which are interesting and was wondering what your thoughts are and are some of these claims true. 1. The Federal reserve is privately owned (by J.P morgan, ...
by genjix
Mon Apr 29, 2013 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Anybody watch Zeitgeist documentary?
Replies: 3
Views: 652

Re: Wells Fargo Down Again

No worries, your infomation is safe and the distuption is usually intermittent! Just makes you feel and warm and fuzzy that all your cash is safe :wink: I guess I don't think the definition of "usually intermittent" is equal to 4 days like last time this happend :annoyed lol yup, the comm...
by genjix
Tue Mar 26, 2013 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Wells Fargo Down Again
Replies: 20
Views: 1756

Re: Wells Fargo Down Again

Ok, this is starting to get a bit old, site loads half way and hangs, does not load at all. I assume its another DOS attack but who knows. Maybe they have to shut down half the servers to save energy to make the .02% interest payments. Last time it took 3 days to gain access again from the midwest....
by genjix
Tue Mar 26, 2013 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Wells Fargo Down Again
Replies: 20
Views: 1756

Re: Fundraising ideas for coworker with cancer

A popular fundraising idea around here would to be a guest bartender at a bar. Bar owners usually love it because you bring them business and pack the bar and patrons love it cause they like to drink anyway.
If its successful you can do it a few times a month.
by genjix
Sun Feb 03, 2013 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: July 20 Update: Fundraising ideas for coworker with cancer
Replies: 13
Views: 1508

Re: Would you buy a house with mold in the basement?

I also wouldnt rely on zillow for accurate value. I would look in the nieghborhood for similiar houses for sale and go by that value +/- their house conditions vs the one you're looking at. If you look at enough homes in a certain area, you will be able to judge the value better then zillow.
by genjix
Fri Feb 01, 2013 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Would you buy a house with mold in the basement?
Replies: 23
Views: 2768

Re: Do I need a realtor??

Thanks! What will I use the attorney for? Draft a contract offer? To make sure the contract is safe and in your best interest. For example, the sellers attorney drafted a contract and I had my attorney review it, he made some changes and added a few things like "no known incidents of bed bug i...
by genjix
Wed Jan 30, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need a realtor??
Replies: 19
Views: 2089

Re: Do I need a realtor??

My wife and I are beginning to look for a new home. We have no urgency to buy, but have begun to look. We are only looking in an area of 2 or 3 miles due to a number of reasons, schools, work commute, family etc. We have being looking at homes that come up in the last couple weeks and have a couple...
by genjix
Wed Jan 30, 2013 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need a realtor??
Replies: 19
Views: 2089

Re: DRIP tax question

We have switched the dividend payments to cash from reinvesting (so it is no longer technically a DRIP plan), so at least we aren't compounding (hahahah!) the issue. I don't think average basis is that hard. I was in a GE drip. I got statements every year. I owned a calculator. When I sold the whol...
by genjix
Sun Jan 27, 2013 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: DRIP tax question
Replies: 7
Views: 715

DRIP tax question

Hi, so i've been reading about tax nightmares that DRIP can cause in a taxable account. Do I have to keep careful records? I always thought the brokerage would be able to provide all the necessary information at the time of the sale. In this case is it not worth to enroll in DRIP for taxable account...
by genjix
Sat Jan 26, 2013 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: DRIP tax question
Replies: 7
Views: 715

Any car mechanic recommendations in the NYC area?

Any car mechanic recommendations in the NYC area? Honest and price efficient mechanics are so hard to come by, I cant trust just going to a random one.
2000 Lexus
by genjix
Thu Jan 24, 2013 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Any car mechanic recommendations in the NYC area?
Replies: 1
Views: 264

Re: What kind of car are you driving?

in mid 2012 I purchased a 2000 Lexus GS300 with 85k Miles. My best car experience and I'm sold on lexus for life (used though, new is way too much for my budget)
by genjix
Thu Jan 24, 2013 3:35 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21584

Re: Vanguard Security

For my browsers I always go into the privacy tabs and make sure it never remembers any history and delete cookies, history and saved passwords.
by genjix
Thu Jan 24, 2013 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Security
Replies: 19
Views: 776

Re: Selling house (estate) - when to use RE agent

The most valuable thing a realtor brings to the table IMO is putting the property on MLS listing.
MLS will drive a lot of traffic to your house than you can do yourself.
Not all realtors have access to MLS, its an expensive fee that they have to pay
by genjix
Thu Jan 17, 2013 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling house (estate) - when to use RE agent
Replies: 24
Views: 1835

Re: Determining Small Cap Tilt

Extended market and small cap index are very, very similar. Check out their charts. is it a common alternative to use Vexmx in replace of small cap index? I wanted to start a tilt as well, but would like to limit the amount of funds for easier managment. also what is the typical tilt range that peo...
by genjix
Thu Jan 10, 2013 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Determining Small Cap Tilt
Replies: 10
Views: 1100

Re: How good is vanguard website security?

HSBC online is very secure. To log in you use the typical user name and password, then they have a secondary password that you dont enter by key, but by a virtual keyboard on their website. And you dont fill in all the characters. Lets say the virtual screen password is 9 characters long, random spa...
by genjix
Wed Jan 09, 2013 6:31 pm
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 15698

Re: Why is Amazon such an expensive stock?

Walmart.com is cheaper on many items than even Amazon, and their online ordering system + free shipping is almost as good. For many items, like Diapers for my son, I almost exclusively order from Walmart these days because of the price savings. Probably true, but a lot of people order from amazon b...
by genjix
Tue Jan 08, 2013 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is Amazon such an expensive stock?
Replies: 16
Views: 1502

Re: Why is Amazon such an expensive stock?

I think because of potential, they are taking out big box stores like best buy and growth hasn't peaked. Walmart should be afraid of them too, the good thing is walmart has food which people like to buy live, not digitally Or more likely there is probably a ton of short positions, so major instituti...
by genjix
Tue Jan 08, 2013 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is Amazon such an expensive stock?
Replies: 16
Views: 1502

Re: Best Movies of 2012

Nobody liked promethius?
by genjix
Mon Jan 07, 2013 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2012
Replies: 58
Views: 5002

Re: How good is vanguard website security?

ataloss wrote:Who makes the etrade security device? I have one of the old ones from RSA. RSA was hacked of course.

For Vanguard why not just turn on the trusted computer feature? Then a hacker needs to crack you password and steal your computer.


RSA is the current vendor that provides the device for etrade.
by genjix
Mon Jan 07, 2013 5:15 pm
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 15698

Re: When does it make sense to refinance?

Hi,

I spoke to the loan officer and closing costs would be around $2400. That includes appraisal, app fee, attorney fee, title etc. So I guess it would be 24 months to recover closing costs. I had planned to rent the unit out whenever I planned to move.
by genjix
Mon Jan 07, 2013 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to refinance?
Replies: 8
Views: 913

When does it make sense to refinance?

Hi, I purchased a coop on aug of 2011 with a mtg rate of 4.65% 125k loan Now my balance is around 121k does it make sense to refi if it would reduce my cost around $100/month? I'm just thinking since i paid around 1.5 years of almost pure interest payments to the bank and to reset it back to 30 year...
by genjix
Sun Jan 06, 2013 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to refinance?
Replies: 8
Views: 913

Re: Math: How does 3% of $53K=$399?

I'm assuming its a quarterly so $399 x 4 quarters would be closer that "effective annual yield of 3%" your talking about.
check the other 3 quarterly statements from 2012 and in the end it should add up correctly
by genjix
Fri Jan 04, 2013 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Math: How does 3% of $53K=$399?
Replies: 6
Views: 642

Re: How should I rebalance?

You should be setting target allocations to your asset categories and tracking the actual allocations every quarter or two (more often if you really want to). When allocations get off by more than your tolerance bands, you shift things within the IRAs to bring the overall portfolio back into balanc...
by genjix
Thu Jan 03, 2013 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I rebalance?
Replies: 5
Views: 366

Re: How should I rebalance?

I’m not sure I’m interpreting what you’ve written correctly but if you are saying that the majority of your investing is going to the 403 and 100% of the 403 contributions are going into a single 500 index fund then [likely] your AA will fairly quickly be dominated by that 500 index fund. This is m...
by genjix
Thu Jan 03, 2013 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I rebalance?
Replies: 5
Views: 366

How should I rebalance?

Hi, My 403b only has 1 index fund and it follows the s&P 500 index (the rest are managed high fees). I will max out my 403b this year all into this one fund and use ROTH IRA to approximate TSM with VEXMX. I would use my rollover IRA account to balance Bonds, international market fund and REIT. M...
by genjix
Thu Jan 03, 2013 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I rebalance?
Replies: 5
Views: 366

question about stock allocation

Hi,

I wanted to do 10% REIT in my portfolio like some suggest. I'm assuming the proper way to do this is 10% of the stock portion of my portfolio, not overall portfolio like how we would calculate total international stocks?
by genjix
Wed Jan 02, 2013 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: question about stock allocation
Replies: 4
Views: 277

Re: How good is vanguard website security?

I have both a vanguard and etrade account. A month ago, my etrade account got hacked into, but their security is pretty good, so since there was a suspicious login from a different state, etrade asked 5 security questions and locked the account since they got the questions wrong. However they did m...
by genjix
Mon Dec 31, 2012 1:29 pm
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 15698

Re: How good is vanguard website security?

For all the E*TRADE guys and gals PLEASE if you are at all interested in protecting your money just go to the Customer Service tab at the top of the page and select - REQUEST A DIGITAL SECURITY ID TOKEN, its free! You will sleep better at night! fd Yup, I got a digital security token now. its great...
by genjix
Mon Dec 31, 2012 1:20 pm
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 15698

Re: How good is vanguard website security?

I might note that my Vanguard password is not very secure, because of their password requirements. . Yes, I have about a half dozen passwords that I am able to carry in my head. The most secure is an 8-digit random string of upper and lower case letters, but contains only one numeric digit. The nex...
by genjix
Mon Dec 31, 2012 12:01 am
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 15698

Re: How good is vanguard website security?

I have both a vanguard and etrade account. A month ago, my etrade account got hacked into, but their security is pretty good, so since there was a suspicious login from a different state, etrade asked 5 security questions and locked the account since they got the questions wrong. However they did m...
by genjix
Sun Dec 30, 2012 10:37 pm
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 15698

Re: How good is vanguard website security?

Having done that, I then logged in and went to My Accounts->Account maintenance-> Security Profile/Computer Access Restrictions and selected the preference "Restrict unrecognized computers from accessing my account." Computers crash, browsers get updated, cookies get purged, and so on. Wh...
by genjix
Sun Dec 30, 2012 10:35 pm
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 15698

How good is vanguard website security?

I have both a vanguard and etrade account. A month ago, my etrade account got hacked into, but their security is pretty good, so since there was a suspicious login from a different state, etrade asked 5 security questions and locked the account since they got the questions wrong. However they did ma...
by genjix
Sat Dec 29, 2012 7:34 pm
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 15698

Re: does vanguard have admiral TIPS?

Taylor Larimore wrote:Yes. The ticker symbol is VAIPX. However, the minimum investment is $50,000.

Best wishes.
Taylor


ohhhh... ok nm, i thought it was the typical 10k. Thanks for the info guys
by genjix
Tue Dec 11, 2012 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: does vanguard have admiral TIPS?
Replies: 9
Views: 863

does vanguard have admiral TIPS?

does vanguard have admiral TIPS?
I was going to rebalance today and upgrade to admiral tips but i didnt see it on the list?
Thanks
by genjix
Tue Dec 11, 2012 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: does vanguard have admiral TIPS?
Replies: 9
Views: 863

Re: tough choice on housing, need help

do you have an option to build an extension on the current house?
some of my neighbors have built a 3rd floor and other neighbors extended the back of their house to almost double (but not extending the ground floor so they still have a decent yard, its on pillars. )
by genjix
Mon Aug 27, 2012 10:21 am
 
Forum: Personal Consumer Issues
Topic: tough choice on housing, need help
Replies: 9
Views: 696

Re: GOLD

brak wrote:Thank you all for your thoughtful replies. Anyone care to summarize the findings?


LOL, there is no clear right or wrong answer. You're supposed to read every reply on the thread you started and formulate your own opinion based on the thoughts everyone has took time to express.
by genjix
Fri Aug 24, 2012 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: GOLD
Replies: 69
Views: 4129

Re: GOLD

Good point. As insurance I'd say gold probably isn't volatile enough for 2% to give you a significant level of protection. Options, while not ideal for a variety of reasons are probably a better choice for that. Once again, I think you're caught in your small pond thinking. Your portfolio as you ha...
by genjix
Thu Aug 23, 2012 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: GOLD
Replies: 69
Views: 4129
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