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by genjix
Fri May 01, 2015 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 4984

Re: Feel like I made a mistake with buying a house: apprecia

Homes in up and coming neighborhoods have more upside in price value but they may be in a bad school district and things loke that. It may be hot area for young artists or young corporate but not to raise a family. Depends what your looking for. Id rather have less appreciation upside if it means im...
by genjix
Tue Mar 24, 2015 2:29 am
Forum: Personal Finance (Not Investing)
Topic: converting TSA [Tax Sheltered Annuity] to IRA
Replies: 3
Views: 392

Re: converting TSA [Tax Sheltered Annuity] to IRA

Sorry for the confusion. The current custodian is )ill just call it companyx). Im allowed to roll over 10% to an external ira annually and ill be rolling it over to vanguard. The remaining 90% I would like to convert from tsa to ira within companyx to avoid having to go the the plan admin every year...
by genjix
Mon Mar 23, 2015 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: converting TSA [Tax Sheltered Annuity] to IRA
Replies: 3
Views: 392

converting TSA [Tax Sheltered Annuity] to IRA

Hi all My plan from previous employment was in a tax sheltered annuity. It only allows me to rollover 10% per year to my vangaurd account. I would like to convert from tsa to ira which would free me from contacting my previous employers HR dept to sign off on the annual 10% rollover to my vg acct. A...
by genjix
Mon Mar 09, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: what can I do if I cant contact former plan admin
Replies: 3
Views: 374

what can I do if I cant contact former plan admin

Hi all Im trying to rollover my 401k from my former employers plan to ira however the plan administrator from my former company wont reply to my phone calls or emails. I need their signature to complete rollover. Are there any other options? The 401k company said I need the signiture and gave me no ...
by genjix
Tue Feb 10, 2015 9:13 am
Forum: Investing - Help with Personal Investments
Topic: old 403b plan administrator screwed me
Replies: 5
Views: 491

Re: old 403b plan administrator screwed me

Ahh sorry I meant they counted a contribtion made in december 2013 towards January 2014.
by genjix
Tue Feb 10, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: old 403b plan administrator screwed me
Replies: 5
Views: 491

Re: old 403b plan administrator screwed me

Can they do that? Contribute the difference and they give them back money?
I think they got confused and thought I contributed 10500 when I actually contributed 8750
by genjix
Tue Feb 10, 2015 7:50 am
Forum: Investing - Help with Personal Investments
Topic: old 403b plan administrator screwed me
Replies: 5
Views: 491

old 403b plan administrator screwed me

My old job had a lazy way (or perhaps it normal) of sending our 403b contributions. They did it once a month rather than after each paycheck so when we make our final contribution in 2014, it doesnt get deposited to our 403b until late January. So since the 2014 contributions was one number accordin...
by genjix
Wed Feb 04, 2015 5:42 am
Forum: Investing - Help with Personal Investments
Topic: rollover to IRA or to company 401k?
Replies: 8
Views: 707

Re: rollover to IRA or to company 401k?

Thanks for taking time to respond and all tye freat feedback. The amount im considering is is a little above middle 5 figures which represents about 25% of my portfolio. The biggest differences in fees is .20 in my ira to .07 in fees in my 401k although I will dig in now from your suggestion if ther...
by genjix
Mon Feb 02, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: rollover to IRA or to company 401k?
Replies: 8
Views: 707

rollover to IRA or to company 401k?

Hi all Recently got a new job and they seem to have a good 401k plan. They have funds at better fees than I can get at my personal ira plan same funds. Question is where to roll over. 401k but plan can change and not in my control or personal ira where fees slightly higher but more in my control on ...
by genjix
Thu Jul 24, 2014 8:53 am
Forum: Investing - Theory, News & General
Topic: fidelity bond fund vs vanguard bond fund
Replies: 6
Views: 769

Re: fidelity bond fund vs vanguard bond fund

Thanks. But beside ER di they pretty much follow the same index?
by genjix
Wed Jul 23, 2014 7:12 pm
Forum: Investing - Theory, News & General
Topic: fidelity bond fund vs vanguard bond fund
Replies: 6
Views: 769

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
Thu Jan 23, 2014 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a carwash
Replies: 36
Views: 3700

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
Sun Jan 19, 2014 10:54 pm
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 7787

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 1:51 pm
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2809

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
Tue Jan 07, 2014 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 403b bond fund
Replies: 2
Views: 151

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 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 403b bond fund
Replies: 2
Views: 151

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
Thu Jul 25, 2013 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own any small cap stock ETFS? Thoughts on VBR Vs. VBK
Replies: 6
Views: 444

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 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own any small cap stock ETFS? Thoughts on VBR Vs. VBK
Replies: 6
Views: 444

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 May 02, 2013 12:49 pm
Forum: Personal Consumer Issues
Topic: Is it important to frequently change passwords?
Replies: 37
Views: 2946

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 12:23 pm
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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
Wed May 01, 2013 4:39 pm
Forum: Personal Consumer Issues
Topic: wedding gift - tacky or not ....
Replies: 57
Views: 3326

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
Tue Apr 30, 2013 12:51 pm
Forum: Personal Consumer Issues
Topic: Unsecured wifi
Replies: 66
Views: 6678

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
Mon Apr 29, 2013 9:38 am
Forum: Investing - Theory, News & General
Topic: Anybody watch Zeitgeist documentary?
Replies: 3
Views: 662

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
Tue Mar 26, 2013 3:43 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo Down Again
Replies: 20
Views: 1773

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 3:25 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo Down Again
Replies: 20
Views: 1773

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
Sun Feb 03, 2013 10:52 am
Forum: Personal Finance (Not Investing)
Topic: July 20 Update: Fundraising ideas for coworker with cancer
Replies: 13
Views: 1574

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
Fri Feb 01, 2013 3:33 pm
Forum: Personal Consumer Issues
Topic: Would you buy a house with mold in the basement?
Replies: 23
Views: 2938

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
Wed Jan 30, 2013 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a realtor??
Replies: 19
Views: 2153

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 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a realtor??
Replies: 19
Views: 2153

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
Sun Jan 27, 2013 12:04 pm
Forum: Investing - Theory, News & General
Topic: DRIP tax question
Replies: 7
Views: 765

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
Sat Jan 26, 2013 8:58 pm
Forum: Investing - Theory, News & General
Topic: DRIP tax question
Replies: 7
Views: 765

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
Thu Jan 24, 2013 2:39 pm
Forum: Personal Consumer Issues
Topic: Any car mechanic recommendations in the NYC area?
Replies: 1
Views: 269

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 2:35 pm
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21924

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 11:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard Security
Replies: 19
Views: 801

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 17, 2013 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house (estate) - when to use RE agent
Replies: 24
Views: 1853

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 10, 2013 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Determining Small Cap Tilt
Replies: 10
Views: 1134

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
Wed Jan 09, 2013 5:31 pm
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 18548

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
Tue Jan 08, 2013 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Amazon such an expensive stock?
Replies: 16
Views: 1521

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 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Amazon such an expensive stock?
Replies: 16
Views: 1521

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
Mon Jan 07, 2013 4:40 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2012
Replies: 58
Views: 5071

Re: Best Movies of 2012

Nobody liked promethius?
by genjix
Mon Jan 07, 2013 4:15 pm
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 18548

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 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to refinance?
Replies: 8
Views: 926

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
Sun Jan 06, 2013 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to refinance?
Replies: 8
Views: 926

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
Fri Jan 04, 2013 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Math: How does 3% of $53K=$399?
Replies: 6
Views: 647

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
Thu Jan 03, 2013 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: How should I rebalance?
Replies: 5
Views: 370

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 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: How should I rebalance?
Replies: 5
Views: 370

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 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: How should I rebalance?
Replies: 5
Views: 370

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
Wed Jan 02, 2013 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: question about stock allocation
Replies: 4
Views: 283

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
Mon Dec 31, 2012 12:29 pm
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 18548

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 12:20 pm
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 18548

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...

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