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Re: ok made some changes to our Roths....?

luberhill wrote:??? Is that directed to me ??

Yes, I added more info.
by investor1
Tue Apr 22, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 45
Views: 1748

Re: ok made some changes to our Roths....?

????? I posted the symbols....just Google for the exp ratios...they are all below 1% That isn't a very good way to ask for help. If you want people to help you, make it easy for them. Read the stickied thread on how to ask questions: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 If y...
by investor1
Tue Apr 22, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie ? Roth Ira
Replies: 45
Views: 1748

Re: Paranoia or just hard to adjust? [High Price of Real Est

You should probably compare the value of your current to that of the new place in terms of price per square foot and decide if the difference (if there is one) is worth it to you. As far as price per square I'd be moving down, quite a bit but to a much larger apartment. View there is river front an...
by investor1
Mon Apr 21, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2005

Re: Whats the best mattress out there

You bump a 2.5 year old thread to post your spam???
by investor1
Mon Apr 21, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Whats the best mattress out there
Replies: 29
Views: 2489

Re: Paranoia or just hard to adjust? [High Price of Real Est

You should probably compare the value of your current to that of the new place in terms of price per square foot and decide if the difference (if there is one) is worth it to you.
by investor1
Mon Apr 21, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2005

Re: Town home, good or bad idea?

I would not buy a house with a family member. Even if you really trust them, it is just too complicated and expensive. In most cities, a good number of people will rent out a room in their house. Typically, it is much cheaper to rent from a private home owner than from an apartment company, and you ...
by investor1
Mon Apr 21, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Town home, good or bad idea?
Replies: 21
Views: 1513

Re: paydown strategy for mortgage

First, our interest rate is quite low at 2.75% on our fixed mortgage. The amount of interest we pay a year is decreasing, reducing the difference between standard deduction and itemized deduction . We currently have $299K left on our mortgage for a house worth close to $1M. We are blessed with a gr...
by investor1
Sun Apr 20, 2014 12:41 am
 
Forum: Personal Finance (Not Investing)
Topic: paydown strategy for mortgage
Replies: 40
Views: 3022

Re: paydown strategy for mortgage

I assume your mortgage rate is low, so the straight mathematical answer would likely be to pay the minimum and invest the rest since the returns on the investments will likely outpace the interest rate of the mortgage you started in 2010. This could mean you could pay off the house earlier given the...
by investor1
Sat Apr 19, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: paydown strategy for mortgage
Replies: 40
Views: 3022

Re: Trying to clean up personal finance

The interest rate on those loans seems high. Can you consolidate and get a lower rate? 1. Save an emergency fund. Start with at least three months expenses (most BHs have at least six months). 2. Save enough money to pay off the CC debt. 3. If the student loan is already collecting interest, pay it ...
by investor1
Fri Apr 18, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to clean up personal finance
Replies: 17
Views: 1659

Re: Asset allocation over time

Target date funds shift the AA by 5% every 5 years, so that's what I do :) . It has been a few years since I spent considerable time studying Vanguard's shifting of Target Date funds, but at that time they did the shifting a little all the time not just every 5 years. The different funds are 5 year...
by investor1
Thu Apr 17, 2014 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1230

Re: Asset allocation over time

Target date funds shift the AA by 5% every 5 years, so that's what I do :)
by investor1
Thu Apr 17, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1230

Re: Let's compare 2013 effective tax rates

What if you calculated your effective tax rate after backing out the self employment tax (1040 line 56)? Effective tax rate = Gross Income / (total tax - self employment tax) That sounds good. How about 1040 line 55 divided by line 37 with state taxes and payments included in the numerator in a sep...
by investor1
Wed Apr 16, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2149

Re: Keep passwords in USB thumb drive: good idea?

That is a good idea...
by investor1
Wed Apr 16, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2020

Re: Keep passwords in USB thumb drive: good idea?

investor1 wrote: It is never a good idea to store login information in plain text anywhere on your computer. But if the information is in a thumb drive, it would be opened, info copied, closed and removed from the computer. It would never actually be on the computer. Right? Am I missing something? ...
by investor1
Wed Apr 16, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2020

Re: Keep passwords in USB thumb drive: good idea?

It is never a good idea to store login information in plain text anywhere on your computer.
by investor1
Wed Apr 16, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Keep passwords in USB thumb drive: good idea?
Replies: 43
Views: 2020

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: 9
Views: 509

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: 12
Views: 1176

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: 9
Views: 509

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: 12
Views: 1176

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: 9
Views: 509

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: 2419

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: 704

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: 3075

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: 1123

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: 3648

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: 3648

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: 3648

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: 8238

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: 2355

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: 112
Views: 14295

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: 2855

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: 690

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: 3536

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: 922

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: 922

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: 4601

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: 4601

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: 9131

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: 1651

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: 1707

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: 25052

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: 4931

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: 1707

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: 9131

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: 2832

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: 2832

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: 2832

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: 2832

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: 2832
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