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Re: Windows XP

I am constitutionally opposed to spending hundreds of dollars and large amounts of time upgrading software and hardware unless it is clear to me that it is necessary. Then you are saying your personal data and personal information is worth $0 since that is what you are prepared to pay to protect it...
by ieee488
Mon Oct 20, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 41
Views: 1765

Re: Windows XP

I have older machines, used for non-critical tasks that continue to run XP. If you keep the anti-virus program up to date, and browse with reasonable care you are very unlikely to have problems. I have never updated an operating system to a new version. Problems are likely with drivers and the mach...
by ieee488
Mon Oct 20, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 41
Views: 1765

Re: Windows XP

I have used Windows XP for years and have had no problems after cutoff date. I plan to continue to use it unless or untill I start having problems. The problem is that after you are infected. It is too late. A few years ago my PC running Windows XP was got infected by a malicicious Javascript progr...
by ieee488
Sun Oct 19, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 41
Views: 1765

Re: Windows XP

I have a Windows XP laptop which I used to burn DVDs of videos recorded by Magnavox DVD recorder.
This laptop is not connected to the internet.

I mainly use Ubuntu Linux 12.04 LTS.
Otherwise, I use Windows 7.
by ieee488
Sun Oct 19, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 41
Views: 1765

Re: "I've had it" at work - how often

Almost every day. I love the type of work I do. Increasingly it is the people aspect that is attached to it that I hate. You need to learn the art of Ignoring a person--even when looking at the person in his/her face. At the dysfunctional company where I currently work as a contract employee, I can...
by ieee488
Sun Oct 19, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 148
Views: 10892

Re: "I've had it" at work - how often

Almost every day.

I love the type of work I do.
Increasingly it is the people aspect that is attached to it that I hate.
by ieee488
Sun Oct 19, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 148
Views: 10892

Re: Couch Surfing

investor1 wrote:Look you don't want to do it, we get it. Other people are more reasonable, and find CS'ing very enjoyable.


Most people are reasonable and find it enjoyable until that bad thing happens to them.
Once a rape or something even worse happens, it cannot be undone.
by ieee488
Fri Oct 17, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5096

Re: Making an offer today

So after asking for advice whether you should or not with the general consensus being no, you ignored the advice.

[OT comment removed by admin LadyGeek]
by ieee488
Fri Oct 17, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 19
Views: 2369

Re: New Here- Retirement Portfolio Review

Spartan Intl index fund (0.17%) spartan total market index fund (0.07%) Spartan US Bond Index (0.17%) Are the only 3 funds I would consider. I would suggest simplifying your Roth IRA funds as well. Many here use the 3-fund portfolio. http://www.bogleheads.org/wiki/Three-fund_portfolio Use a spreads...
by ieee488
Thu Oct 16, 2014 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1038

Re: New Here- Retirement Portfolio Review

Congratulations on paying your mortgage down to $34K!

Yes, way too many funds. One fund per Roth IRA should be enough.

What are the choices in both of the 401Ks (include expense ratios)?
by ieee488
Thu Oct 16, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1038

Re: -11.33% YTD, asking for some guidance

fortytwo wrote:The part that I don't get is that I would be -7% (still better than -11%) if I picked "S&P 500 Index Separate account" correct ? How folks are able to make money with their 401k I'm still at a loss.

two words ... company match.
by ieee488
Wed Oct 15, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3369

Re: -11.33% YTD, asking for some guidance

I'm confused about the rollover part. The rollover just mean transfering the current funds from my employer 401k to their 401k ? But then I keep seeing rollover to an IRA (which I thought was an extra on top of 401k for 7k or so if my memory is correct), so then what would happen to the 401k money ...
by ieee488
Wed Oct 15, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3369

Re: Couch Surfing

Again, not the lottery I would want to win. Just to secure the upside of a nice chat. I'm curious. Do you drive a car? Fly in airplanes? Eat food at restaurants? Take public transit? Walk out in public? Or, does your "death vs nice chat" outlook on life only apply to those things you've n...
by ieee488
Wed Oct 15, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5096

Re: T Mobile Free 200MB Data Per Month Global iPads

How much does these iPads cost?
by ieee488
Wed Oct 15, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: T Mobile Free 200MB Data Per Month Global iPads
Replies: 14
Views: 1045

Re: Aca insurance/medicaid

Not sure what u mean about working a regular job. This is not a regular job - his client is a company that hires sub contractors in diff areas. Each job is negotiated with a different price Etc - some days work in the area other days not - he olso does work for another company either 1 or 2x a week...
by ieee488
Tue Oct 14, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Aca insurance/medicaid
Replies: 13
Views: 1190

Re: What's the best Comcast phone and cable deal?

I guess I'm lucky that AT&T and Comcast strongly compete in my area Verizon FIOS and Comcast are the two competitors. I don't see much difference in prices. I am sticking with Comcast's limited basic cable and economy plus internet. $48/month. I don't think I'll get anything cheaper unless I ge...
by ieee488
Mon Oct 13, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 968

Re: lump sum now vs pension later?

Frugal Al wrote:
ieee488 wrote:It seems that it makes sense to start taking the pension at age 55

There's more to the decision than just the rate of return. This income will be taxable to the OP, so that will be a consideration as well.

Ah! Forgot about the taxes!
by ieee488
Mon Oct 13, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: lump sum now vs pension later?
Replies: 36
Views: 3160

Re: Everything related to 1099 worker - tracking expenses et

Nyc1967 wrote:So then the easier write offs are gas mileage - toll, parking and any supplies? I guess cellphone - what else? Will,also open a simple Ira

Why don't you start reading the IRS regulations?
http://www.irs.gov/Businesses/Small-Bus ... s-Expenses
by ieee488
Mon Oct 13, 2014 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Everything related to 1099 worker - tracking expenses etc
Replies: 27
Views: 1468

Re: Aca insurance/medicaid

"How exactly were you proposing to take income earned and reduce it down to 0 so that you have a "loss"?" I can't answer for the OP but for some start-ups the costs of setting up a new biz can exceed the receipts for the 1st year, esp. if the 1st year of doing business is not a ...
by ieee488
Mon Oct 13, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Aca insurance/medicaid
Replies: 13
Views: 1190

Re: lump sum now vs pension later?

#Cruncher wrote:
Code: Select all
Age             45         55        65
Per month     $490     $1,080    $2,159
Return        4.96%      5.85%     5.42%


It seems that it makes sense to start taking the pension at age 55.
by ieee488
Mon Oct 13, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: lump sum now vs pension later?
Replies: 36
Views: 3160

Re: What's the best Comcast phone and cable deal?

Clark Howard had an interesting discussion recently about a potential new service that will allow much cheaper cable-like tv watching. Hoping it will be good, as the upcoming merger will NOT be good for consumers. Clark howard post: http://www.clarkhoward.com/news/clark-howard/technology/cheaper-tv...
by ieee488
Mon Oct 13, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 968

Re: What's the best Comcast phone and cable deal?

What about just internet? I figure if I can attach an external antenna, I could probably get good enough OTA. Paul Just internet will end up costing about the same as just internet with basic cable. Basic cable = OTA TV channels I live half-way between NYC and Philadelphia, so I get both sets of br...
by ieee488
Mon Oct 13, 2014 8:28 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 968

Re: Please help with asset allocation and investments.

Vanguard 500 Index Signal (VIFSX) 0.05 and Vanguard Total Intl Stock Index (VGTSX) 0.22 are the only choices in your 457b I would consider.
Make up the lack of bonds in your Roth IRA.
by ieee488
Sat Oct 11, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation and investments.
Replies: 24
Views: 1783

Re: Aca insurance/medicaid

Ok we had to purchase insurance thru the exchange in May when husband lost his job. We went with emblem silver we received a subsidy and were paying for husband and I 170 a month 500 deductible. I then called them a month ago to let them know we got approved for unemployment so that would give us a...
by ieee488
Sat Oct 11, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Aca insurance/medicaid
Replies: 13
Views: 1190

Re: inheritance

Why VOO? That is limiting.
I would buy VTI.
by ieee488
Fri Oct 10, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: inheritance
Replies: 5
Views: 808

Re: it will take me about 38 years to reach $1M at this rate

You don't have a 401K at work to save even more before-tax money?

Even my contract job has a 401K. Granted there is no company match.
by ieee488
Fri Oct 10, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: it will take me about 38 years to reach $1M at this rate
Replies: 25
Views: 3133

what goes with a gift card?

It is that time of the year again. We participate in the holiday gift wish drives. Many of the teenagers ask for gift cards. In years past, we've bought a big box of chocolate, put the gift card inside its envelope, and tape the envelope securely to the top of the chocolate box. Then we gift wrap th...
by ieee488
Fri Oct 10, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: what goes with a gift card?
Replies: 2
Views: 325

Re: Need help with 401k Allocations

I would only use the Spartan 500 in his new 401K. Make up bonds in your 401K with the bond index. And use the other index funds in your 401K to round out your asset allocation. As was suggested, use your Roth IRAs for your international. I find using a spreadsheet is very easy to track the percentag...
by ieee488
Fri Oct 10, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k Allocations
Replies: 18
Views: 986

Re: Need help with 401k Allocations

What is HHI? You need to post what is available in your husband's current 401K besides FUSVX which I had to look up. We don't memorize fund symbols. As for his old 401K, you can either roll it over to an IRA or keep it there. If you keep it there, I would only keep the Spartan funds. For our 401K, I...
by ieee488
Fri Oct 10, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k Allocations
Replies: 18
Views: 986

Re: Small Moneysavers Which Add Up

dolphinsaremammals wrote:
ieee488 wrote:two words = basic cable


No cable.


Are you substituting with an OTA antenna?

Or are you substituting with TV via internet?
by ieee488
Thu Oct 09, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6832

Re: Portfolio review for upper 60s widow/er

Condolences on your loss.

Your parent's situation was my mother five years ago.

I would definitely start simplifying the traditional IRA into one or two funds .
by ieee488
Thu Oct 09, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for upper 60s widow/er
Replies: 9
Views: 1150

Re: Late start, low income - what to do first?

Are you planning on mingling your money with his when you marry?

It sounds like where this is really where all of this is heading.

It sounds like you with your last post that you are going to get offended if someone suggests a pre-nuptial.
by ieee488
Thu Oct 09, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2617

Re: Small Moneysavers Which Add Up

skylar wrote:we borrow DVDs from the library

I would rather pay the $5.34 for the two DVD rentals from Netflix.
I'd probably spend about gallon of gas to get to/from the library.
And lthe library DVD rental period is only 1 week.
by ieee488
Thu Oct 09, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6832

Re: Small Moneysavers Which Add Up

FullYellowJacket wrote:I
No subsidized kindles*! Don't be cheap, spend a little extra on the non ad supported model in order to save money in the long run.


Are you talking about the app or the e-reader itself?
I wasn't aware of this.
by ieee488
Thu Oct 09, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6832

Re: 401k plan choices

Why is your 401K rebalancing?

Colmbia Large Cap Index Fd Class Z - 0.20 is the only fund I would be in
by ieee488
Thu Oct 09, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k plan choices
Replies: 11
Views: 567

Re: What have you done to cut costs this year?

Boglemama wrote:Appeal property taxes

+1

Apparently, last year when I was out of town, the assessor came by.
Since I wasn't home, the default was finished basement. :shock:
Good thing I went to find out more about my assessed value.
by ieee488
Wed Oct 08, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8074

Re: Small Moneysavers Which Add Up

two words = basic cable
by ieee488
Wed Oct 08, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6832

Re: Getting back into the market

I AM MOSTLY SITTING IN MONEY MARKET FUNDS. AFTER MY RESEARCH I WAS PLANNING ON SETTING MY RETIREMENT PORTFOLIO INTO THREE OR FOUR VANGUARD FUNDS. (TOTAL MKT....INTERNATIONAL ....AND BONDS) MY SPECIFIC QUESTIONS ARE: 1) SHOULD I USE ETF'S OR MUTUAL FUNDS? 2) DO I SET IT UP ALL AT THE SAME TIME ? 3) ...
by ieee488
Wed Oct 08, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 27
Views: 3158

Re: Financial health check-up

That condo is 25% of your net assets.
Not as much diversification there as I would like.
by ieee488
Wed Oct 08, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial health check-up
Replies: 12
Views: 775

Re: Financial health check-up

If the condo is now above water, I'd sell it.
by ieee488
Wed Oct 08, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial health check-up
Replies: 12
Views: 775

Re: Getting back into the market

Unfortunately, past performance is predictive of future performance in Lucy's case.
She won't be back.

The latest gyration in the market has her spooked again.
by ieee488
Wed Oct 08, 2014 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 27
Views: 3158

Re: [Decision on] lump sum

I am 52 years old and my former company offered me a lump sum payout. This is the offer 1) $289,000 lump sum to rollover into their 401K OR 2) $1873 monthly at age 55 OR 3) $4053 monthly age 65 I am single with no children currently employed. My only reservation of waiting is if I lost my job and n...
by ieee488
Tue Oct 07, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Decision on] lump sum
Replies: 11
Views: 975

Re: [Decision on] lump sum

I am 52 years old and my former company offered me a lump sum payout. This is the offer 1) $289,000 lump sum to rollover into their 401K OR 2) $1873 monthly at age 55 OR 3) $4053 monthly age 65 I am single with no children currently employed. My only reservation of waiting is if I lost my job and n...
by ieee488
Tue Oct 07, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Decision on] lump sum
Replies: 11
Views: 975

Re: Getting back into the martket

Would you explain what you mean by "not get into for another 5 yrs"?
by ieee488
Tue Oct 07, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 27
Views: 3158

Re: Initial call for portfolio help

Until you decide what to do about the cash, there isn't any reason not to park it in an online money market account and earn at least 0.8%
Right now, Pentagon Federal Credit Union is offering 1.24% on a one year CD. Certainly short term enough.
by ieee488
Tue Oct 07, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Initial call for portfolio help
Replies: 3
Views: 310

Re: help me help a friend, financially

There have been other posts about people wanting to help friends out with advice.

The general consensus is don't unless they seek you for that advice.

You'll end up getting the blame big time if her 401K "loses" value because of following *your* advice.
by ieee488
Mon Oct 06, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: help me help a friend, financially
Replies: 24
Views: 2367

Re: Pension buyout...take annuity now or later?

I received the package in the mail today. Today, I notice the link to choose what we want to do. It was not there over the weekend. Edit: I plugged in the numbers. If I elect to start receiving 1/2 at age 55, I would get $150 with the annuity that I can purchase with the lump sum. If I don't take th...
by ieee488
Mon Oct 06, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout...take annuity now or later?
Replies: 20
Views: 1446

Re: Grandpa wants me to help invest $800k - Suggestions?

How much does the $800K generate in income now?
Is the $1350 + $1077 enough for him and your step-uncle to live on now?
Would this amount change should your grandfather pass away?

I think it is important to get a good idea on the expenses.
by ieee488
Mon Oct 06, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandpa wants me to help invest $800k - Suggestions?
Replies: 21
Views: 2523

Re: Portfolio setup questions for New Investor

Your employee stock plan. Are you holding as long as required and selling as soon as allowed?
by ieee488
Mon Oct 06, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio setup questions for New Investor
Replies: 13
Views: 754
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