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Re: Accidentally forgot a credit card for three months HELP!

It might have been easier if you had NOT paid your bill off right a way. You could call the credit card company and negotiate a payoff and a deletion of the derogatory mark. They might not do it if it is paid off already. You might get lucky by speaking to an upper manager there. This does NOT soun...
by mptfan
Fri Jan 30, 2015 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Accidentally forgot a credit card for three months HELP!
Replies: 27
Views: 2332

Re: Accidentally forgot a credit card for three months HELP!

I don't think there is anything you can do about your credit report other than let time pass. With each passing month, the delinquency will count less and less against your score until eventually it will have very little impact, and eventually after seven years, it will disappear completely. By the ...
by mptfan
Fri Jan 30, 2015 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Accidentally forgot a credit card for three months HELP!
Replies: 27
Views: 2332

Re: Where do you think the stock market heading this year?

I think the stock market is going to fluctuate this year.
by mptfan
Sun Jan 25, 2015 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1561

Re: Why are people buying 10 year Bunds?

What is a Bund? lol
by mptfan
Thu Jan 22, 2015 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Why are people buying 10 year Bunds?
Replies: 14
Views: 1401

Re: Debt payoff or retirement savings?

Contribute to the IRA. Once the deadline passes for contributing to the IRA for 2014, you can never get it back.
by mptfan
Thu Jan 22, 2015 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt payoff or retirement savings?
Replies: 8
Views: 644

Re: Closing unused credit cards - should I do it?

Close em. Stop worrying about what FICO does and do what is right for you. If you use credit wisely and pay your bills on time, you do not have to worry about your credit score, it will take care of itself. I like to call your credit score a "debt score" because you only need it if you are...
by mptfan
Wed Jan 21, 2015 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing unused credit cards - should I do it?
Replies: 16
Views: 1287

Re: When your spouse isn't quite as frugal as you

Given the high number of conservative investors on this site I'm surprised more of them aren't frugal (at least what I consider frugal, which admittedly may be more strict than what others think). You are missing the point. Those who suggest letting it go are not saying that because they are not fr...
by mptfan
Sat Jan 17, 2015 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8691

Re: Eliminating the "Face Palm" Icon

We should also get rid of the :sharebeer smiley since every time I see it I get an irresistible urge to go get a beer.... uh oh, there it goes again.... :beer
by mptfan
Fri Jan 16, 2015 5:42 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2057

Re: When your spouse isn't quite as frugal as you

3FundFan wrote:Telling the OP to "get over it" probably won't work.

She asked.
by mptfan
Thu Jan 15, 2015 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8691

Re: Help with starting a retirement account for my fiance?

ny_rn wrote:
Twins Fan wrote:I actually think it would be better for you not to contribute to her IRA at all. I know you plan to get married and all, but things happen. Or, at least wait until it's official...


I agree with this.

+1
by mptfan
Thu Jan 15, 2015 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with starting a retirement account for my fiance?
Replies: 13
Views: 1003

Re: When your spouse isn't quite as frugal as you

Since you asked, I think you are being unreasonable and you just need to roll with it. Based on what you said, he has come a long way and made many positive financial changes, and you are in a position to save 2 to 3 thousand per month! That is great! You really should let the small stuff go and pic...
by mptfan
Wed Jan 14, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8691

Re: Edward Jones Fees

From what I have read, EJ also charges fees to close the account.
by mptfan
Tue Jan 13, 2015 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Fees
Replies: 24
Views: 2103

Re: Poll - How much is enough / what's your number?

If my number is $2 million, which option should I select? I'll go ahead and assume you'll earn $0.01 of interest on that money the next morning, so you can choose $2M - $5M I don't think that the poll results are meaningful because a person who wants to respond with $2M does not know whether to sel...
by mptfan
Mon Jan 12, 2015 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7552

Re: Poll - How much is enough / what's your number?

If my number is $2 million, which option should I select?
by mptfan
Mon Jan 12, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7552

Re: Need help informing my father he is making a mistake

The first question is, did your father ask for your advice? If the answer is no, then stop. Do not do anything. It is not your money or your business. If he did ask for your advice, then give it and let him make his decision. It's not more complicated than that. +1 investor I'm not sure that I agre...
by mptfan
Mon Jan 12, 2015 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4917

Re: Need help informing my father he is making a mistake

clayr361 wrote:I hadn't really thought about just not doing or saying anything about the situation.

You should.
by mptfan
Mon Jan 12, 2015 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4917

Re: Need help informing my father he is making a mistake

The first question is, did your father ask for your advice? If the answer is no, then stop. Do not do anything. It is not your money or your business. If he did ask for your advice, then give it and let him make his decision. It's not more complicated than that.
by mptfan
Mon Jan 12, 2015 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4917

Re: Wait, contributions to an IRA are tax deductible?

So, if I put $5,500 into a Roth IRA, I can then deduct the same $5,500 form my taxes and get all of that back in the form of a refund check? So, I would have that $5,500 in retirement and essentially get a free $5,500 refund check? No, you can't deduct Roth contributions. JW what about traditional ...
by mptfan
Sun Jan 11, 2015 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Wait, contributions to an IRA are tax deductible?
Replies: 19
Views: 1985

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2,222.00
by mptfan
Fri Jan 09, 2015 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19743

Re: Changes (mostly bad ones) to my 401k. Who benefits?

Ask yourself this question...who benefits when an investor selects a fund that has a higher expense ratio, compared to a fund with a lower expense ratio? I think the answer is obvious, don't you?
by mptfan
Thu Jan 08, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changes (mostly bad ones) to my 401k. Who benefits?
Replies: 34
Views: 2671

Re: Any men here get their wedding band on Amazon?

I think a key point would be that it doesn't need to be mutually exclusive. It could be that the matching style and look of the band to the wife's ring is available at an online retailer. But again, I think most women (who are not on the Bogleheads) would be aghast at the thought of spending less t...
by mptfan
Wed Jan 07, 2015 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3706

Re: Any men here get their wedding band on Amazon?

I have never heard this, but I suppose it is possible. I randomly asked several (~10) of my female employees in the break room and not a single one cared about or even had an active part in choosing their husband's wedding band. Ok, then I'll be the first to admit that maybe I am old fashioned and ...
by mptfan
Wed Jan 07, 2015 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3706

Re: Any men here get their wedding band on Amazon?

It's totally different than a women's engagement ring. As a man, you are never going to have anybody ask to look at your band...although people are often fascinated by mine because they are unique (and all <$10). This has nothing to do with being cheap and/or a Boglehead, the discussion would be ex...
by mptfan
Wed Jan 07, 2015 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3706

Re: HSA contribution question

Yes, that is correct. Only contributions count towards the contribution limit.
by mptfan
Tue Jan 06, 2015 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA contribution question
Replies: 3
Views: 280

Re: Any men here get their wedding band on Amazon?

*Ha, only on BH could you feel like a big spender getting a $28 wedding ring! :wink: Exactly. If this topic were discussed anywhere except on the Bogleheads, one would be considered super cheap for even suggesting spending such a ridiculously low amount. The rule of thumb out in the rest of the wor...
by mptfan
Tue Jan 06, 2015 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3706

Re: Any men here get their wedding band on Amazon?

*Ha, only on BH could you feel like a big spender getting a $28 wedding ring! :wink: Exactly. If this topic were discussed anywhere except on the Bogleheads, one would be considered super cheap for even suggesting spending such a ridiculously low amount. The rule of thumb out in the rest of the wor...
by mptfan
Tue Jan 06, 2015 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3706

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Almost There, I've gotten the same reaction. People seem almost in disbelief when you raise the issue of how much they're paying in fees. I tell them how much fees can eat of their returns, and they don't want to check because their adviser is a good guy and has done well for them, they say. My fav...
by mptfan
Tue Jan 06, 2015 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2847

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Mel, I do think this forum has played a part in that inflow. Although the Bogleheads are a tiny fraction of the population, I think our message is getting out there and people are listening, perhaps more than we realize.
by mptfan
Mon Jan 05, 2015 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2847

Vanguard sets record funds inflow, has $3.1 trillion assets

[Thread merged into here, see below. --admin LadyGeek] According to an article in the Wall Street Journal today, Vanguard set another record for the most funds inflow in any year with $216 billion of inflow in 2014. Vanguard now has more than $3 trillion (yes, that is trillion with a "t")...
by mptfan
Mon Jan 05, 2015 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2847

Re: [Annual POLL] What was your 2014 return?

If my return was 7.45%, which option should I select?
by mptfan
Thu Jan 01, 2015 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14155

Re: Engaged - marriage penalty & other practical concerns

A few more marriage benefits to add: You are eligible to join your spouse's insurance plans. You can contribute to a spousal IRA even without income. You can fill out one form for both spouses when going through customs and immigration. If you have a joint account with your spouse, it is protected f...
by mptfan
Tue Dec 30, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 3874

Re: Smartest Financial Move Right now for my 1 Year old ?

StevenNJ1 wrote:I was just thinking that if I put away a small yearly amount and let it grow, maybe 18 years later I'll thank myself.

That's true, but money is fungible, so the same small yearly amount will grow at the same rate and be worth the same in 18 years if you put it in your name.
by mptfan
Mon Dec 29, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move Right now for my 1 Year old ?
Replies: 17
Views: 1097

How do you determine your withdrawal rate?

I would like to know how Bogleheads calculate withdrawal rates. I can imagine different ways of determining one's withdrawal rate, and I wanted to find out if there was a consensus on this issue. Let's consider a hypothetical case.... Let's say your portfolio balance at the end of 2014 is exactly $1...
by mptfan
Thu Dec 18, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you determine your withdrawal rate?
Replies: 13
Views: 1299

Re: Help me choose a bond fund

I would choose the PIMCO fund, and as a Boglehead, I would choose that fund even over the Vanguard Total Bond Market Fund because it is much close to a "total" bond fund in that it invests in bonds from the entire bond market like high yield bonds and foreign bonds and TIPS while the Vangu...
by mptfan
Wed Dec 17, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me choose a bond fund
Replies: 9
Views: 1372

Re: If you don't need the Soc Sec, when to start taking it?

Passing the breakeven point is an event of absolutely no consequence. There is no reason to insure against it. Running out of money is an event of consequence. It makes sense to insure against that. The odds of the two events are quite different. I see your point, but you are not insuring against &...
by mptfan
Thu Dec 11, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4381

Re: If you don't need the Soc Sec, when to start taking it?

That analogy does not hold because the vast majority of homeowners will never have a fire that destroys their house, whereas EVERYONE WILL DIE, it's only a question of when. And the WHEN is EXACTLY what you're insuring against. The Analogy is Spot on! We will have to agree to disagree. Even if I ac...
by mptfan
Thu Dec 11, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4381

Re: If you don't need the Soc Sec, when to start taking it?

That analogy does not hold because the vast majority of homeowners will never have a fire that destroys their house, whereas EVERYONE WILL DIE, it's only a question of when. And the WHEN is EXACTLY what you're insuring against. The Analogy is Spot on! We will have to agree to disagree. Even if I ac...
by mptfan
Thu Dec 11, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4381

Re: If you don't need the Soc Sec, when to start taking it?

I know this question will probably not help you decide, but as a CPA I get asked that question all the time. My response is: "How long are you going to live?" If someone asked you if they should buy Fire Insurance for their home, would your answer be "Are you going to have a Fire?&qu...
by mptfan
Thu Dec 11, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4381

Re: Poll: Dividend income to match annual salary?

I do not consider my annual salary as part of my analysis of when I can retire...I consider my expenses.
by mptfan
Wed Dec 10, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3823

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

It is difficult to convince a man of something when his livelihood depends on not being convinced.
by mptfan
Sat Dec 06, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 3389

Re: Any regrets going from iOS to Android phone?

C4NT wrote:Has anyone switched to an android system and really regretted it?

Yes, I regret I didn't do it sooner.
by mptfan
Wed Dec 03, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3426

Re: Is there anything between bonds and stocks?

retiredjg wrote:High yield bonds?

High yield bonds are bonds by definition, therefore they are not between bonds and stocks.
by mptfan
Sat Nov 29, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there anything between bonds and stocks?
Replies: 15
Views: 1508

Re: Paying my parents a salary not to touch their nest egg

Too much risk in my opinion. There are too many things that can happen over the next 20-30 years that would result in you not getting an inheritance, or getting less than you expect. What if one of your parents dies and the other names someone else as the beneficiary? What if they remarry? What if o...
by mptfan
Wed Nov 26, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4490

Re: Why should I avoid REITs?

I know it has already been said before, but if you invest in the total stock market fund, then you already have REITs in your portfolio, so the question is should you add more REITs to your portfolio? Only you can answer this question, but I will tell you that my answer is yes.
by mptfan
Wed Nov 26, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 59
Views: 8889

Re: Back-up Drive - Local or Cloud? Which?

If you buy a Chromebook you can get 100GB of free storage for 2 years. I'm not sure if that also applies to Chromeboxes. For what it's worth, I don't have a Windows based machine at home anymore, and I don't store any documents on a local drive...all of my documents are stored in Google Drive or Pic...
by mptfan
Mon Nov 24, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 3679

Re: Laptop/Chromebook recommendation

HP Chromebook 14 (I am typing this message on it).
by mptfan
Sat Nov 22, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Laptop/Chromebook recommendation
Replies: 14
Views: 940

Re: Does investing in a 401k actually save any money?

If my understanding is correct, he'll make withdrawls from the 401k during retirement and pay ordinary income tax (28% bracket) on all the withdrawls. But had he invested this money in a taxable account the whole time, he'd have paid mostly 15% capital gains and dividends taxes along the way, possi...
by mptfan
Fri Nov 21, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Does investing in a 401k actually save any money?
Replies: 75
Views: 10559

Re: Mark your calendar for year-end fund distributions

I predict that when the fund distributions occur, and the NAV drops that day, there will be panicked posts to the effect of...."The price of my mutual fund dropped by 2% today, but the market was up, what is going on????!!!!"
by mptfan
Mon Nov 17, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions
Replies: 4
Views: 1276

Re: Bogleheads not found easily in Google

Same here, I typed "bogleheads" into google and this forum was the first search result.
by mptfan
Thu Nov 13, 2014 2:29 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 4348
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