Search found 1321 matches

Return to advanced search

Re: New Investor Portfolio/Advice

I would split the $600 evenly between paying off the student loans and building up the emergency fund. Sounds good. Once I get my emergency fund to 7,500 (6 Months) should I put the $600 all towards the loans? Also, any recommendations for the 23k in savings? Thanks for the reply. I would definitel...
by ieee488
Thu Apr 17, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio/Advice
Replies: 6
Views: 294

Re: Use credit cards to pay rent: Amex Serve?

I argue that the miles game is an excellent hobby for someone interested in passive investing. It is a value added proposition that allows you to save (and invest) more of your own money. It is axiomatic that the single most important predictor of future wealth is a healthy savings percentage, and ...
by ieee488
Thu Apr 17, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3427

time off for interview

I have been out of work for nearly seven months. So, today, I was very happy to accept a job, not in my field, which starts on Monday. Coincidentally, today, I receive an email from a hiring manager for a job in my field. From the email, he wants to talk on telephone first which is standard procedur...
by ieee488
Thu Apr 17, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: time off for interview
Replies: 5
Views: 513

Re: Help select laptop

OpenOffice is free and at least for me can totally replace MS Office. You can save files from OpenOffice to MS Office extensions that will be readable by MS Office. Microsoft Office can read OpenOffice files, but the reverse is not necessarily true. I have had some occasions where I had to use Micr...
by ieee488
Thu Apr 17, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 12
Views: 634

Re: Where are the Opportunities now ?

Previous post about your portfolio with some very excellent answers.
viewtopic.php?f=1&t=97616&p=1410429

Any reason why the hunt for "opportunities"?
by ieee488
Thu Apr 17, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 26
Views: 1396

Re: New Investor Portfolio/Advice

What are all the choices for the SIMPLE-IRA (include expense ratios)?

$5K emergency fund is how many months of expenses?

I would split the $600 evenly between paying off the student loans and building up the emergency fund.
by ieee488
Thu Apr 17, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio/Advice
Replies: 6
Views: 294

Re: Draft email to investment advisor re outperforming Total

I am not sure why you are bothering with this?
by ieee488
Thu Apr 17, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Draft email to investment advisor re outperforming Total Mar
Replies: 18
Views: 1326

Re: New Amex EveryDay credit card

The only good thing about it is the bonus rewards. However, it isn't a statement credit. Giftcards with AE gift cards being one.
Otherwise, 2x for groceries.

Being that it is American Express, I tossed it.
by ieee488
Wed Apr 16, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: New Amex EveryDay credit card
Replies: 7
Views: 1036

Re: what should I do with my whole life policy

Also, it is a gift from your parents. The human element is extremely important in family finances. LOL, yes, the insurance policy looks so nice on the dresser right beside his dad's old Rolex. You make a point. That said, I value all gifts given to me by my parents, simply because I love them, resp...
by ieee488
Wed Apr 16, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: what should I do with my whole life policy
Replies: 19
Views: 1272

Re: I don't understand whether there are costs to rebalancin

I re-balance using my tax-deferred accouts thus no tax-consequences.
by ieee488
Wed Apr 16, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't understand whether there are costs to rebalancing
Replies: 16
Views: 1086

Re: Investment help

The Vanguard Target Retirement funds are very good because they adjust the asset allocation for you. Many here use the 3-fund portfolio for their investments. I do as well. http://www.bogleheads.org/wiki/Three-fund_portfolio So you can use a spreadsheet to help you do the math of what your asset all...
by ieee488
Wed Apr 16, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment help
Replies: 3
Views: 337

Re: Use credit cards to pay rent: Amex Serve?

Miles Dividend MD wrote:We are all better off when we share our knowledge openly and unreservedly.

Miles Dividend MD

[OT comments removed by admin LadyGeek]
by ieee488
Wed Apr 16, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3427

Re: Use credit cards to pay rent: Amex Serve?

I've had renters pay by credit card. They used Paypal and they (the renter) was required to cover all fees, which I believe are about 2.9% of the transaction amount. Amazon payments is an option, but to be honest if your intention is just to generate a credit card transaction, you don't really need...
by ieee488
Tue Apr 15, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3427

Re: Asset Allocation Assistance

If you want to stay with Schwab and want to utilize a 3-fund portfolio with Schwab, read http://www.bogleheads.org/wiki/Three-fu ... hree_funds
by ieee488
Tue Apr 15, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Assistance
Replies: 8
Views: 527

Re: problem with Amica, what to do next?

Unless Amica records their customer calls there really is no way to know what happened, except that someone made a mistake.

If you are unwilling to leave it at that, then you may want to consider USAA if you are eligible since USAA is equally as highly-rated as Amica.
by ieee488
Tue Apr 15, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: problem with Amica, what to do next?
Replies: 18
Views: 1339

Re: Investment help

VTHRX
VEXMX
VGTSX
what are these?

90/10 asset allocation seems kinda risky to me
For someone your age, 80/20 may be better
by ieee488
Mon Apr 14, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment help
Replies: 3
Views: 337

Re: Student, New to Index Investing - Portfolio and IRA advi

Domestic Equities: Vanguard Total Stock Market ETF (VTI) – (ER=0.05%) Domestic Bonds: Vanguard Total Bond Market ETF (BND) – (ER=0.10%) International Equities: Vanguard Total International Stock ETF (VXUS) - (ER=0.14%) Other: 3% Vanguard REIT ETF (VNQ) – (ER=0.10%) 3% Vanguard Globa...
by ieee488
Mon Apr 14, 2014 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medical Student, New to Indexes - Portfolio and IRA advice?
Replies: 11
Views: 754

Re: Asset Allocation/Reallocation help

Fidelity Brokerage: 1. Company ESPP plan - 25% discount, no min hold time, $39.99 selling fee. (I hold onto this for 6 months before selling to lessen the selling fee blow). How much less is the selling fee after you hold it 6 months? Seems to be quite a bit of risk to take for $39.99. 1. 401K up t...
by ieee488
Mon Apr 14, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: what should I do with my whole life policy
Replies: 19
Views: 1272

Re: Save for 25 years = $1million?

The answer is that it depends on the interest rate. Per Vanguard, if your nephew invests $2,000/year from ages 25 to 35, he'd have $314,870 at age 65. https://personal.vanguard.com/us/content/SiteWide/FlashPgs/SWFlshPwrOfCompContent.jsp https://www.investor.gov/tools/calculators/compound-interest-ca...
by ieee488
Mon Apr 14, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 3965

Re: Use credit cards to pay rent: Amex Serve?

I've had renters pay by credit card. They used Paypal and they (the renter) was required to cover all fees, which I believe are about 2.9% of the transaction amount. Amazon payments is an option, but to be honest if your intention is just to generate a credit card transaction, you don't really need...
by ieee488
Mon Apr 14, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3427

Re: Use credit cards to pay rent: Amex Serve?

I've had renters pay by credit card. They used Paypal and they (the renter) was required to cover all fees, which I believe are about 2.9% of the transaction amount. Amazon payments is an option, but to be honest if your intention is just to generate a credit card transaction, you don't really need...
by ieee488
Mon Apr 14, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3427

Re: Wife to work as a Contractor - Advice needed

Been contracting for over 7 years....most likely its not the MegaCorp that is lowballing her but the recruiting company that placed her there. MegaCorp is probably paying Recruiting Company somewhere around $60/hr or more. The recruiting company's take is usually about 2x. When I was contracting in...
by ieee488
Mon Apr 14, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife to work as a Contractor - Advice needed
Replies: 30
Views: 2015

Re: Help with Improving my Portfolio

Alana888 wrote:It seems that much of the focus or the responses has been on the fact that I have $500,000 in cash and what to do about that and I appreciate that that is important in the larger scheme of things.


Yes, larger scheme of things. The big picture. You are still bogged down in the little picture.
by ieee488
Mon Apr 14, 2014 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Improving my Portfolio
Replies: 45
Views: 2565

Re: IRA advice needed

I have several traditional IRAs that are currently invested in bank CDs that are getting ready to mature. If I roll them over for a 5 year term, I will only get 2% interest. I'm considering transferring these IRAs to Vanguard and investing them into mutual funds so I can hopefully get a better retu...
by ieee488
Sun Apr 13, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA advice needed
Replies: 2
Views: 208

Re: LED bulb prices

Never used dimmers. I have several LED lights with motion detector that runs on AC at strategic places in the house. Probably not as elegant, but does the job of providing light when I walk into a room. edit: http://www.homedepot.com/p/GE-Motion-Sensing-Chrome-LED-Night-Light-11242/203766660 I bough...
by ieee488
Sun Apr 13, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8087

Re: Use credit cards to pay rent: Amex Serve?

It's still amazed me that money is still throwing around without requiring you to expend much energy by opening and closing bank account, ie. Wells Fargo and Chase. I had to expend a lot of energy with Chase after opening a new checking account with them earlier this month. It is fine until you get...
by ieee488
Sun Apr 13, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3427

Re: 33/34 Simplifying Portfolio & 401k Options Advice

Way way too many funds for my taste.

Consider very carefully the simplicity of a three-fund portfolio.
by ieee488
Sat Apr 12, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 33/34 Simplifying Portfolio & 401k Options Advice
Replies: 23
Views: 1416

Re: Use credit cards to pay rent: Amex Serve?

I would like to find some way to get credit card points for paying my rent (and other bills), but my landlord doesn't accept credit card payments. My understanding is that Amex Serve might allow me to do this: I fund my account using a credit card, and then I write checks from the account. Does any...
by ieee488
Sat Apr 12, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3427

Re: I have a cell phone and am in search of a carrier

I believe the only thing you can do with a used clean ESN Sprint phone is use it on Ting. Sprint phones are on CDMA, the absolute worst network in the known universe and don't have replaceable SIM cards. Hi Clubby and that is good to know though how I could have been forewarned is a puzzle to me. S...
by ieee488
Sat Apr 12, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1221

Re: I have a cell phone and am in search of a carrier

I think some of the people answering are confused. Sprint which is CDMA is the new phone. The old phone which is out of the picture so to speak was on AT&T. Can a brand new Sprint phone be used on anything other than Sprint? That is the question here. I am not familiar with how this sort of thi...
by ieee488
Sat Apr 12, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1221

Re: I have a cell phone and am in search of a carrier

I think some of the people answering are confused. Sprint which is CDMA is the new phone Samsung Galaxy Note 3. The old phone which is out of the picture so to speak was on AT&T. Can a brand new Sprint phone be used on anything other than Sprint? That is the question here. I am not familiar with...
by ieee488
Sat Apr 12, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1221

Re: LED bulb prices

I put the 60W Cree into use in the family room where a 100W CFL was used.
Unfortunately, it is not bright enough, so the 100W CFL will go back.
Will have to wait for when the 100W LEDs go on sale as this one did.
by ieee488
Sat Apr 12, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8087

Re: Taxes with New Accountant ... Is this for real??? Invest

He needs to file taxes where his employer said he worked and withheld taxes for on his W2 (assuming he is not self employed). If the income was sourced to NJ, that's where he files, if to NY, then file in NY. He may also need to file where he is a legal resident which sounds like NJ since he rents ...
by ieee488
Fri Apr 11, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 1892

Re: Wife to work as a Contractor - Advice needed

Not an expert on this, but: How is MegaCorp hiring this person as a contract worker, when she is not in fact an Independent Contractor, at least in the eyes of the IRS. She is working only for one firm, and they have set out the conditions of work, hours, and location. Around here, many such cases ...
by ieee488
Fri Apr 11, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife to work as a Contractor - Advice needed
Replies: 30
Views: 2015

Re: Taxes with New Accountant ... Is this for real??? Invest

He needs to file taxes where his employer said he worked and withheld taxes for on his W2 (assuming he is not self employed). If the income was sourced to NJ, that's where he files, if to NY, then file in NY. He may also need to file where he is a legal resident which sounds like NJ since he rents ...
by ieee488
Fri Apr 11, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 1892

Re: Taxes with New Accountant ... Is this for real??? Invest

niceguy7376 wrote:The OP is worried if he wants to contribute or not to IRA while we are worried about his tax filing method.

It is probably because others are noticing that he could be in for a rude surprise if he is ever audited; the IRA contribution would then be the least of his worries.
by ieee488
Fri Apr 11, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 1892

Re: Taxes with New Accountant ... Is this for real??? Invest

He needs to file taxes where his employer said he worked and withheld taxes for on his W2 (assuming he is not self employed). If the income was sourced to NJ, that's where he files, if to NY, then file in NY. He may also need to file where he is a legal resident which sounds like NJ since he rents ...
by ieee488
Fri Apr 11, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 1892

Re: Help with Improving my Portfolio

I don't really see any fund I would want to keep. Thank for your response Can you elaborate on the problem with the T Rowe and Franklin Funds? Do you think it is worth the tax consequences to replace them? I've had them over 20 years, so those might be significant High expense ratios is the problem...
by ieee488
Fri Apr 11, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Improving my Portfolio
Replies: 45
Views: 2565

Re: Improvement needed

You've read everything here about EJ, and you still don't know whether leaving them is the right thing to do? Hmmmm. Thanks to those with responses that don't make me feel like an idiot... No one can change your mind unless YOU want to change it. When someone has a preponderonce of information and ...
by ieee488
Fri Apr 11, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 1672

Re: Help with Improving my Portfolio

Yes o.47 for Pimco Foreign Bond. My apologies. Yes i have read the Wiki forum. I was hoping for more specific suggestions to balance out the funds I plan to keep and to maximize my tax efficiency Thank you I don't really see any fund I would want to keep. Tax efficiency is discussed in a wiki page....
by ieee488
Fri Apr 11, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Improving my Portfolio
Replies: 45
Views: 2565

Re: Taxes with New Accountant ... Is this for real??? Invest

So, for the last 4-5 years, even though my drivers license address was and still in state of NJ (i rent there too), I was showing that I live in New York (also where I currently work). Huh? How are you "showing" that you live in New York? What does that mean? I have 2 addresses. My driver...
by ieee488
Fri Apr 11, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 1892

Re: Taxes with New Accountant ... Is this for real??? Invest

StevenNJ1 wrote:So, for the last 4-5 years, even though my drivers license address was and still in state of NJ (i rent there too), I was showing that I live in New York (also where I currently work).

Huh?

How are you "showing" that you live in New York?
What does that mean?
by ieee488
Fri Apr 11, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes with New Accountant ... Is this for real??? Investing
Replies: 33
Views: 1892

Re: Help with Improving my Portfolio

Unless there is something wrong with my math, when I add up all the percentages, I get 146.82%

I think you meant 0.47% for the PIMCO Foreign Bond.
by ieee488
Fri Apr 11, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Improving my Portfolio
Replies: 45
Views: 2565

Re: Basic Home Theater System Recommendations

I can't find a manul for it on the Sony website. I can't tell what it is. From the pictures, it looks like a Blu-ray player with speakers. Edit: Found the manual. It is Blu-ray player with the ability to drive speakers. It is like a soundbar with a Blu-ray player. That is not what I would think of ...
by ieee488
Fri Apr 11, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 914

Re: LED bulb prices

If anyone is interested Home Depot has 60 watt equivalent Cree A19 bulbs on sale for about half off at $6.97 each. This is the lowest I've seen them. Now if the BR30 model would just come down some more.... K.I.S. Got Cree 60W at Home Depot today for $4.97. Not sure if it is an A19. Can't find a pa...
by ieee488
Fri Apr 11, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8087

Re: Wife to work as a Contractor - Advice needed

Will your wife be working on a W-2 for a contracting company? When I worked contract, I was still an employee. Just not an employee of the company that I was contracting at. I hope that makes sense. That contracting company had a 401K. I don't remember what the 401K match was. Hmmm.. That is a good...
by ieee488
Fri Apr 11, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife to work as a Contractor - Advice needed
Replies: 30
Views: 2015

Re: Basic Home Theater System Recommendations

After doing some searching, the HDMI input option seems very tough to find. One option could be just getting a Blue-ray player with HDMI input and ZVOX for sound. However, the only blueray player with HDMI input that I've found so far is $499. If there aren't any for around $100, I don't mind using...
by ieee488
Fri Apr 11, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 914
Next

Return to advanced search