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Re: Reading material on mortgages?

Peculiar_Investor wrote:A missed opportunity for a wiki article?

You must be a genius!
by investor1
Wed Apr 16, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reading material on mortgages?
Replies: 7
Views: 300

Re: apartment rental strategies

Over the years, I've watched the industry change a lot...seems they are now using software programs to assess vacancy or "empty seat" rates (essentially the hotel or airline model) and prices can fluctuate nearly hourly or at least it seems that way. You know something is up when they sen...
by investor1
Wed Apr 16, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: apartment rental strategies
Replies: 10
Views: 594

Re: Reading material on mortgages?

Cool, thanks for the links! Yep, I'm well aware of the "sale/promotion" scam. Either mark the prices up so the sale looks good or move the money where they aren't looking. I can avoid the former by shopping around, and I'm looking to educate myself by knowing where to look to avoid the lat...
by investor1
Wed Apr 16, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reading material on mortgages?
Replies: 7
Views: 300

Re: apartment rental strategies

Are you sure you are looking at prices for the same type of apartment? Often times there will be a number of different layouts/sizes within one building. The smaller units typically have a lower price. It is also possible some of the rooms were recently renovated, so they bumped the price of those u...
by investor1
Wed Apr 16, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: apartment rental strategies
Replies: 10
Views: 594

Reading material on mortgages?

I will likely purchase my first house sometime next year (read: I will likely purchase my first mortgage next year). I'd like to learn more about how mortgages work and how the purchasing process works so I buy what is appropriate for me and I don't get fleeced at signing time. Thanks to another pos...
by investor1
Tue Apr 15, 2014 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reading material on mortgages?
Replies: 7
Views: 300

Re: Can this 4% CD be trusted?

The ad itself states there is a 1.25% APY and a 2.75% bonus. It also states that they require a $15k deposit.
by investor1
Tue Apr 15, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2210

Re: 24, New Job w/ Pension

Both your 457b and Roth IRA are better than your old 401k. Roll the tradditional into the 457b and the Roth into the IRA. As far as using a tradditional versus a Roth goes, if you think your tax bracket in retirement will be higher in retirement, pay taxes now. Otherwise, wait. It is tough to figure...
by investor1
Sat Apr 12, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24, New Job w/ Pension
Replies: 4
Views: 684

Re: Brown bagging in a more formal office

I'm in engineering which isn't as formal as you describe, so take my advice with a grain of salt. Years ago, I decided to buy a set of Pyrex dishes (this one: http://www.amazon.com/Pyrex-Storage-10-Piece-Clear-Blue/dp/B00005B8K5 ). When I BB my lunch I put it in those and usually put those in the ba...
by investor1
Fri Apr 11, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2875

Re: Credit Threatened By Mega Cell Carrier After Bill Disput

Getting your CC company to reverse the charge does mean nothing in terms of whether or not the wireless carrier views the charge as valid. From their perspective, they charged your CC, but the CC company didn't give them the money (or took it back), so the bill is outstanding. You will need to clear...
by investor1
Tue Apr 08, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Threatened By Mega Cell Carrier After Bill Dispute
Replies: 14
Views: 1102

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

StevenNJ1 wrote:Is that the info you guys need to give feedback?


No. See viewtopic.php?t=6212
by investor1
Tue Apr 08, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3547

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

If the MM accounts are only 0.9%, you may as well go with a high interest online savings account. Though a three year CD is going for around 1.4% right now, and I'm guessing savings accounts are about 0.85%. I'd take the extra cash.
by investor1
Mon Apr 07, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3547

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

1. Start contributing to your 401(k). Put in at least the amount your employer will match. If it is a good plan, max it out. 2. If you are going to buy a house in ~5 years (or less), keep the money for a down payment. Put aside at least 20% of what you think you might buy. You will be able to avoid ...
by investor1
Mon Apr 07, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3547

Re: Swamped In Debt - Thoughts?

1. Refi the mortgage 2. Increase retirement savings From there I would want to make my life easier to manage by decreasing my number of debts, so I would attack the $20k student loan since it is roughly the same size as the car loan and the rate is higher. After that, I'd compare the size of the the...
by investor1
Thu Apr 03, 2014 2:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Swamped In Debt - Thoughts?
Replies: 68
Views: 8205

Re: Windows XP to Linux Question with existing HW

I think you will be fine. In my experience, Linux has only provided improved performance when compared to Windows (developed around the same time). You can probably grab the most recent version of your favorite Linux distro and see the same performance you saw with XP.
by investor1
Mon Mar 31, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2283

Re: Frugality regret: What thing do you regret not spending

There isn't much for me yet, but there is still a lot of time. My only regret so far is not buying Netflix stock when it was at $65/share about 1.5 years ago. I was pretty new to investing and still trying to wrap my head around which mutal funds I should buy. Had I bought it, I would have been up a...
by investor1
Sun Mar 30, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 90
Views: 10945

Re: How much water do you drink every day?

1-1.5 gallons
by investor1
Fri Mar 28, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2834

Re: Another Salary Negotiation Post...(Total Compensation)

All I know is that my old employer made me signup for health insurance through them. They said something about being required to have everyone that works for them signed up through them being part of their agreement with the provider. I already had health insurance through other means. Your employer...
by investor1
Fri Mar 28, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Salary Negotiation Post...(Total Compensation)
Replies: 4
Views: 675

Re: Asset Allocation - near retirement

I didn't read all of the posts, so I may be parroting what others have said... 1. Simplify your portfolio. There are too many accounts. For each his and her's if the active 401k is a good plan and there are no barriers to rollovers, rollover all of the tax deferred assets from the other accounts. Do...
by investor1
Fri Mar 28, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 3428

Re: Vanguard webcast?

Woo hoo! I did the timezone math incorrectly in my head! Thanks!
by investor1
Thu Mar 27, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard webcast?
Replies: 8
Views: 915

Vanguard webcast?

There was a VG webcast this morning on ETFs that I wanted to attend, but I got busy and missed it. I don't think I have ever watched one, but I noticed there are "replays" of other webcasts available through their website. Do they post the recordings of all webcasts? If so, about how long ...
by investor1
Thu Mar 27, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard webcast?
Replies: 8
Views: 915

Re: Bogleheads Stance on Home Buying

swaption wrote:There is also another alternative, which is to not have use of a car at all. In that case, the implication might be lack of availability of employment opportunities, and other practical inconveniences.

That's what makes it a cost of having those opportunities rather than an investment.
by investor1
Tue Mar 18, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 4564

Re: Bogleheads Stance on Home Buying

Don't go over a 15 year mortgage. You don't want to be in debt for the majority of your working career. You'll want to have time to save more and enjoy life. If your career is 30-40 years, you'll spend no more than half of that in debt due to housing. The mortgage rates also tend to see a bump beyon...
by investor1
Tue Mar 18, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Stance on Home Buying
Replies: 61
Views: 4564

Re: Bogleheads.org Home Page Updated

investor1 wrote:I think there should be a character limit that is displayed on the HP when listing usernames. Say, 15 characters. A month or so ago someone with an uber long UN started a thread and made the HP much less readable for me.


The current state of the homepage is why I would like this.
by investor1
Wed Mar 12, 2014 7:10 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9044

Re: Poor 401k, profit sharing plan options, how to allocate?

With an 80/20 AA, you are paying about a 0.99 ER over the account. You might be able to save a little bit by using one of the target date funds. Otherwise, I think you should buy the cheapest fund and use that until you reach your AA across your portfolio. After that, buy the next cheapest fund in t...
by investor1
Wed Mar 12, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poor 401k, profit sharing plan options, how to allocate?
Replies: 9
Views: 547

Re: T-Mobile's response to a weak signal

You can't control their network. Live with it or switch to another carrier. If you want to switch and your phone is locked onto T-Mobile's network, Google around for how to unlock it if you want to take it with you to AT&T or another carrier that supports that phone. You aren't married to you ph...
by investor1
Tue Mar 11, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: T-Mobile's response to a weak signal
Replies: 16
Views: 1644

Re: Buying a home while in college

In regards to the TSP, I've heard from many people that it's simply not worth the investment because the government doesn't match your contribution, and that having a Roth IRA at my age/income was enough. It's hard to filter out good advice from bad sometimes. Anyone care to convince me why I shoul...
by investor1
Tue Mar 11, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a home while in college
Replies: 29
Views: 1689

Re: William Bernstein-When you've won the game, why keep pla

It is difficult to plan 25 years into the future. You don't know what will happen. What if you get ill and have higher medical costs than expected? What if a loved one needs help? What if you decided you want to devote your new found free time to traveling the world or something else that is expensi...
by investor1
Tue Mar 11, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 24360

Re: Money issues - people take me for granted

I don't understand why you are thinking about moving? Do you not like your place or do you just not like having people in and out all of the time? It seems simple enough to solve the latter without having to move. I also don't understand why you are thinking about renting out rooms. Is it because it...
by investor1
Tue Mar 11, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 4909

Re: Buying a home while in college

A typical mortgage isn't paid off in four years. Having a couple of roommates while you are there may cover the month to month bills, but it most likely won't pay off the mortgage (not even close). I don't know how much you are thinking of spending and how much you are thinking of putting down thoug...
by investor1
Mon Mar 10, 2014 2:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying a home while in college
Replies: 29
Views: 1689

Re: Bogleheads.org Home Page Updated

Why even have a link to each page in the thread on the homepage? Why not limit it to something like page: 2, 3, 4, 5, LP ? I can't think of anytime I came to the site and thought, "Gosh, I really want to look at page #17 of this thread, but if I can't do it from the HP, I have other things to d...
by investor1
Fri Mar 07, 2014 8:23 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9044

Re: HELP! Medical costs

To OP, As noted by another person. You are being charged for hospital services (everything but the physician) and physician services. Depending on the arrangement, you might get two bills, or all in one bill as in your case. When you look up on the website for a level 3 visit (or moderate severity)...
by investor1
Tue Mar 04, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

[OT comments removed by admin LadyGeek] Seems to me like your beef is really with the hospital for charging the level of service that they did. But citing the above (laceration on the face--OP never said how deep it was or its size, nor how many layers were required to be closed, all of which drast...
by investor1
Thu Feb 27, 2014 12:12 am
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

That's correct -- an HDHP holder does pay the negotiated rate. Sounds like you got bad advice at the Urgent Care, and there's really not anything else you can do. Sue the assailant in small claims if you want to try it, but you'll have to prove what the DA doesn't feel they can. Yep, but not the DA...
by investor1
Thu Feb 27, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

I thought (perhaps incorrectly or not applicable to HDHP) that services provided to a policy holder would be (or should be) for the same charges that the insurance company would pay the provider if the deductible had been met. In other words, leaving aside the issue of the ER being the "correc...
by investor1
Thu Feb 27, 2014 12:02 am
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

[OT comments removed by admin LadyGeek] Seems to me like your beef is really with the hospital for charging the level of service that they did. But citing the above (laceration on the face--OP never said how deep it was or its size, nor how many layers were required to be closed, all of which drast...
by investor1
Wed Feb 26, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

[OT comments removed by admin LadyGeek] Seems to me like your beef is really with the hospital for charging the level of service that they did. But citing the above (laceration on the face--OP never said how deep it was or its size, nor how many layers were required to be closed, all of which drast...
by investor1
Wed Feb 26, 2014 11:41 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

Erwin007 wrote:
investor1 wrote: I'll try to offer them a lesser lump sum (that's still a lot for the service I received).


[OT comments removed by admin LadyGeek]

[Response to OT comments removed by admin LadyGeek]
by investor1
Wed Feb 26, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

Yes, the charges went through my insurance company. No, they didn't pay for it. They may have negoitated rates, but they didn't pay any of it. I recieved an EOB from my insurance company. It says the amount I owe is the same as the total bill I received from the hospital which makes sense because it...
by investor1
Wed Feb 26, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

freddie wrote:You could sue the assailant for causing the damage. I am guessing that is going to cost more than 1400 dollars though.


My thoughts exactly. I feel like I got assaulted, and now I'm getting robbed. What a messed up system.
by investor1
Wed Feb 26, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

The cost seem outrageous to me. Either I wasn't billed correctly or that particular hospital is charging MUCH more than other hospitals (at least according to FHC). Given the care that I was treated with, the bill seems very high to me.
by investor1
Wed Feb 26, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

From what they told me, it was lack of evidence. Apparently, he gave them a different story and there were no witnesses.
by investor1
Wed Feb 26, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

Would this have been any different if you broke a bone doing a sport or recreation? Sadly this is a part of life and many people would have gone home and washed the cut out and decided to be more careful where they traveled. Once again Im sorry for the pain you endured and the costs others caused y...
by investor1
Wed Feb 26, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

Also I doubt it matters, but I no longer have a HDHP. I assume that won't apply since I had one at the time of the visit, and my insurance provider already reviewed the charges.
by investor1
Wed Feb 26, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: HELP! Medical costs

I should add that I really don't want this to go to collections and negotiate with the debt collector as I am looking to buy a house in the next year or so and am trying to maintain excellent credit.
by investor1
Wed Feb 26, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

HELP! Medical costs

A few months ago, I was assaulted and initially went to the Urgent Care near my home for a cut that I had on my face. I was told by the nurse there that since the issue was related to an open police investigation (I reported the assault), I had to go to the ER or I wouldn't be able to recoupe the co...
by investor1
Wed Feb 26, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 2827

Re: Any indoor seed starters?

I came here to say use an egg carton. Don't put it too close to the window since it tends to get cold (depending where you are) at night. Just put it somewhere it can easily get plenty of sunlight.
by investor1
Tue Feb 25, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1439

Re: Best Stereo Headphones under $100

Sony MDR-V6 and MDR 7506 are almost the same thing, but I'm not sure if there is a price difference between the two. I would consider those two and the Seinheisser HD280 at your price range. The V6 is the DJ version, and the 7506 is the studio version. The DJ version means it has enhanced bass. The...
by investor1
Mon Feb 24, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1712

Re: Best Stereo Headphones under $100

For over the ear, I recommend the Sony MDR-7506. The sound quality on these is better than any pair that I have used. For on the ear, multiple people have told me great things about the Grado SR-60i, but I have never actually used them myself. I recommend having an idea of what you might want, then ...
by investor1
Mon Feb 24, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1712

Re: Skip IRA for 1 year to buy engagement ring

You mentioned that you told her once you got a job, you would look at rings. Then you ended up getting a job with less pay than you expected in a HCOL area. Talk to her again. If she is has the finanical sense you posted about earlier (sorry, but I didn't read the whole thread), she'll want to wait ...
by investor1
Fri Feb 21, 2014 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7155

Re: I received my federal tax refund this morning

I scheduled my payment for April, 15th :)
by investor1
Mon Feb 10, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: I received my federal tax refund this morning
Replies: 13
Views: 2411
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