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Re: iOS 8 update available today

That's it?

Health icon that none of my apps connect.
Recents. It's ok.

I don't see anything else for the almost 1GB update.
by imgritz
Wed Sep 17, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 13
Views: 1197

Re: Roth help

twees52 wrote:financial advisor claims we will have to pay a load of 5.75% on top of the taxes, does this make sense? Mark

Run Forrest Run!

Move the account to Vanguard. Start buying index funds at no cost.
by imgritz
Wed Sep 17, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 525

Re: Friend needs guidance or financial planner?

Vanguard can create a plan and manage investments. I believe the cost is 1/3 of a percent.
by imgritz
Wed Sep 17, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs guidance or financial planner?
Replies: 3
Views: 364

Re: Traditional 401k vs ROTH 401k? (hear me out!)

If you are nervous about losing the side business income, I suggest you beef up your emergency fund.
by imgritz
Tue Sep 16, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional 401k vs ROTH 401k? (hear me out!)
Replies: 2
Views: 264

Re: IPhone 6 and AT&T Contract Extension

My purchase told me the exact minutes and data I had in my plan. Unless you requested something different, I guess that your plan will remain the same.
by imgritz
Tue Sep 16, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1026

Re: IPhone 6 and AT&T Contract Extension

What did the screen say when you selected your carrier? When I purchased my 6, it told me exactly the plan I had from Verizon.
by imgritz
Tue Sep 16, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1026

Re: How to add to my portfolio monthly without crazy fees

Leeraar wrote:Open an account directly with Vanguard. For mutual funds only.

+1

This is an easy decision. :-)
by imgritz
Tue Sep 16, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 29
Views: 1527

Re: Most cost effective means of protecting physical assets

I have a ninja cat. So far, nobody has messed with my home.

Image
by imgritz
Tue Sep 16, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 43
Views: 3140

Re: Good hobby for a bright/obsessive 9 year old?

I vote for coin collecting. Take your kid to a destination and collect coins of the country.
by imgritz
Tue Sep 16, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 2874

Re: After Roth IRA : Next Step In Investing

You can start a Vanguard taxable mutual fund account. Put money in Total Stock Market Index Fund and let it sit there until you retire. :D
by imgritz
Tue Sep 16, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Roth IRA : Next Step In Investing
Replies: 7
Views: 395

Re: Meetings over the lunch hour, taboo?

You can retrain the client. Simply tell them your available hours. I used to work with people that did not check calendars for group meetings. They simply thought their request was the world. I simply rejected any conflicting meeting requests. When they asked why I wasn't attending their meeting, I ...
by imgritz
Mon Sep 15, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 37
Views: 2816

Re: Am I in over my head?

I am 19 and received $250,000, currently have a paid off car and no job but I basically live for free. Everyone keeps telling me I should just speak with Financial Advisors and find one who has been doing it for a long time. I feel like I could just make a Vanguard account and do something like 40%...
by imgritz
Mon Sep 15, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4369

Re: Should I step in to help my in law pay off credit card d

Will there be any consequences to her if she does not address this debt or should I just pay this off for her? (E.g. will her SS be garnished? Will this possibly impact me and my husband in any other way?) Or will the consequence just be her credit gets shot and she never pays it back? No assets an...
by imgritz
Mon Sep 15, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2496

Re: Where to start?

Tempest: Hi and welcome.... ...credit card debt is expensive to have, try to make an effort to pay more then the minimum if you can. Then start an emergency fund. At 21 it would be nice to start investing in index funds but first things first. At 21 you have plenty of time to invest...get your fina...
by imgritz
Fri Sep 12, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to start?
Replies: 8
Views: 815

Re: Angry when stock market is down

My emotions are gone when I figured out the right asset allocation for me. I no longer worry, loose sleep, etc. anymore. If the market dips, I get cheaper prices.
by imgritz
Fri Sep 12, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3864

Re: How should I invest the money in my taxable account?

Vanguard Total Stock Market Index Admiral Shares in a taxable account.
Vanguard Total International Index Admiral Share in a taxable account.
by imgritz
Thu Sep 11, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I invest the money in my taxable account?
Replies: 20
Views: 2555

Re: I need a personal scheduler

Use your iCloud account to type in schedules if you don't like typing on your iPhone.
by imgritz
Thu Sep 11, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: I need a personal scheduler
Replies: 24
Views: 1721

Re: Would you quit over the pretend boss

I am in the same type of structure. Everyone wants my help and Owner only wants me to work on his projects.

I tell everyone the owner is the priority. IF there project is important, please go to the owner and plead your case.
by imgritz
Wed Sep 10, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you quit over the pretend boss
Replies: 33
Views: 2951

Re: $1000 to Invest - Need Help!

Put as much as you can in the target retirement fund. Good job on saving early in life.
by imgritz
Wed Sep 10, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1000 to Invest - Need Help!
Replies: 17
Views: 1101

Re: Protecting your investments

A trust isn't about your net worth. It's a set of instructions in case you can't speak for yourself. If you are unable to speak, who directs your health care? When you pass away, who gets your money? When do you want to distribute your assets to your heirs? Do you have kids? If so, a trust is a must...
by imgritz
Tue Sep 09, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting your investments
Replies: 11
Views: 1391

Re: Poll: Which iPhone 6?

I would keep my iPhone 4 forever. My eyesight is arguing with me. I think it is the plus version for me.
by imgritz
Tue Sep 09, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 2960

Re: How much insurance do I need?

Liability insurance is inexpensive. I think it is around $250 a year for a one million dollar umbrella policy at state farm.
by imgritz
Tue Sep 09, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much insurance do I need?
Replies: 5
Views: 465

Re: Allocation Model

Vanguard is attractive due to their low fees and functionality but I don't know how to package my investment to attract the least amount of taxes going forward. Vanguard Total Bond Index fund in a tax-deferred account. IRA Vanguard Total Stock Market Index fund in a taxable account. Vanguard Total ...
by imgritz
Tue Sep 09, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocation Model
Replies: 3
Views: 313

Re: Do you consider your emergency fund part of your portfol

I debated this question with a Vanguard CFP. I consider it my emergency fund. On the other hand, I wanted it to grow at least by the rate of inflation in case I don't use it for emergencies.
by imgritz
Tue Sep 09, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3038

Re: pimco total return

It's a good fund. Do you have other options that are equal to this fund at a lower expense ratio?
by imgritz
Tue Sep 09, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: pimco total return
Replies: 7
Views: 533

Re: Is My Car Insurance Plan Enough? - the Bogle way!

Insurance is to protect you against the accidents in life. You are under insured. Let's say you get into a major accident where people and property are damaged. Attorneys will evaluate your insurance, assets and earnings. It's possible your assets can be used and your income could be garnished. I wo...
by imgritz
Tue Sep 09, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1348

Re: Anyone have a Nest learning thermostat?

I use a programmable thermostat. I base the heating/cooling around my work schedule.
by imgritz
Mon Sep 08, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1568

Re: need help choosing options at TIAA-CREF

glosing wrote:We are planning to hold our entire bond/fixed income allocation at T-C.

Why?

I would hold the Total Bond Market Index fund at Vanguard.
by imgritz
Mon Sep 08, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: need help choosing options at TIAA-CREF
Replies: 34
Views: 1510

Re: Vanguard Lost $50k

eucalyptus wrote:Never, ever forget this. Vanguard is not your friend, they are not a charity, and your "ownership" of Vanguard means nothing.

You shouldn't invest in a company that you don't have faith.

I've always had good service with Vanguard.
by imgritz
Mon Sep 08, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10687

Re: Proper Way To Wear Suspenders

No belt.

Image
by imgritz
Fri Sep 05, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 1805

Re: Salary Info double standard?

I'm thankful employers use salary as a possible screening tool. I wouldn't want to work at a place where personnel are under compensated for their skill set.
by imgritz
Fri Sep 05, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4195

Re: What Movie Have You Recently Watched?

Guardians of the Galaxy
by imgritz
Wed Sep 03, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 84
Views: 3632

Re: Jack Bogle on CNBC

Instead it has been the "remarkable" strength of corporate America that has been driving the market, he said. However, low interest rates have helped businesses grow.

I hope this indicates a very long bull market.
by imgritz
Wed Sep 03, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC
Replies: 6
Views: 1315

Re: Online Savings Accounts

Ok, I understand that banks make loans but those loans are not risk-free. If 2008 happens again and nobody repays their HELOC's, how is the bank going to return my deposit (especially if the bank is making loans on borrowed money)? Would I have to rely on the FDIC's protection in that case? You wil...
by imgritz
Wed Sep 03, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Online Savings Accounts
Replies: 26
Views: 2719

Re: My early 30's Ameriprise portfolio

You need some help. The good new is you can make your portfolio simple, low-cost and tax efficient using the methods describe on the boglehead wiki. A Vanguard simple three-fund portfolio can accomplish everything. Total Bond Market Index in a tax-deferred account such as an IRA. Total Stock Market ...
by imgritz
Wed Sep 03, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3383

Re: Advice for a recent college graduate

I like the advice you are getting so far. You will need an emergency fund and start investing. You can do both with a Roth IRA.
by imgritz
Wed Sep 03, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a recent college graduate
Replies: 9
Views: 480

Re: 18 and Need Help Starting

You have short time span. My suggestion is work hard, live way below your means, invest all in a Total Stock Index fund and marry a wealthy person at 32 if you don't meet your goal. :happy
by imgritz
Wed Sep 03, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: 18 and Need Help Starting
Replies: 30
Views: 2006

Re: How much life insurance do I need?

I had a financial adviser when I purchased my term policies. He simply stated "Who will take care of the baby if one of you die? You would probably need a nanny or need to quit work to stay home to raise the child." We figured we needed a minimum of a one million dollar policy on each pare...
by imgritz
Wed Sep 03, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do I need?
Replies: 22
Views: 1630

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

I talk to my daughter about saving money. She became a saver around 8 I think.
by imgritz
Wed Sep 03, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6798

Re: No 401k plan

Roth IRA
by imgritz
Tue Sep 02, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: No 401k plan
Replies: 10
Views: 708

Re: Reinvest dividends and capital gains?

I believe in the power of compounding.

We all have seen how credit card debt can suck the life out of you. A maxed balance and interest rates compounding monthly.

I believe that same compounding concept will take my investments to a higher level. I reinvest my dividends and capital gains.
by imgritz
Tue Sep 02, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends and capital gains?
Replies: 44
Views: 3772

Re: Suggestions for a Western States road trip?

Look for the jackalope when traveling. I know they are out there. :happy

Image
by imgritz
Tue Sep 02, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for a Western States road trip?
Replies: 20
Views: 1617

Re: Debt Payoff Strategy

I've been in debt and climbed out of it. I probably don't follow conventional wisdom by paying off the highest interest rate first. I pay off the accounts with the smallest balance first. Then I add that loan payment to the next smallest account. Then the next... Do you see the snowball rolling? By ...
by imgritz
Tue Sep 02, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Strategy
Replies: 8
Views: 764

Re: Fantasy football debt owed

The leagues I participated collected the fees up front before anything started. You were kicked from the league if you didn't pay up beforehand.

I would consider the money lost and a lesson learned.
by imgritz
Tue Sep 02, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 1969

Re: Philosophy Differs From Strategy

I’ve been writing and presenting on this philosophy for decades and continue to do so with a passion. However, my learning curve about teaching this approach to investing was slower than my knowledge of strategy. At first, I approached the concept from the product perspective – just buy index funds...
by imgritz
Tue Sep 02, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Philosophy Differs From Strategy
Replies: 33
Views: 3273

Re: Just Starting Out - First Job After College

I see you are a financial genius at an early age. Congrats on the 15% savings. Stick with that percentage forever (or more if you can afford it) and you will be very happy in your financial future. I will suggest an easy two-step approach at this time in your life. 1) Create an emergency fund. Figur...
by imgritz
Fri Aug 29, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Starting Out - First Job After College
Replies: 12
Views: 1030

Re: Help out family without compromising my own retirement?

There are a lot of social programs to help out such as Food Banks, Welfare, Social Security. Your parents and siblings should check them out. You can find them online and give the information to the family members.
by imgritz
Fri Aug 29, 2014 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5602

Re: Does anyone have 'Lazy Portfolios'?

My portfolio is soooo lazy it snores. :D
by imgritz
Fri Aug 29, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6512

Re: Help out family without compromising my own retirement?

Are both your parents and siblings living in your condo, or do your parents live elsewhere? If they live elsewhere, they could double up in the condo. Both my parents and siblings live in my condo. I thought just your parents were living in the condo. I'll reiterate what I've seen on Suze Orman mul...
by imgritz
Fri Aug 29, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5602

Re: Help out family without compromising my own retirement?

The family's financial situation is getting worse and my brother now wants me to help out with the parents' living expenses. I refused and told him I was already making my share of contribution by letting them live rent free in my condo. I feel I need to draw the line somewhere because I don't want...
by imgritz
Fri Aug 29, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5602
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