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Re: Rebalancing with new contributions

We're also accumulating and I add the money to the biggest deficit below the target, basically to the under performer. In our all equity portfolio internationals have so far taken well over half our '13 contributions to date.
by runner9
Sat May 25, 2013 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing with new contributions
Replies: 5
Views: 108

Re: Lowering Expense Ratios

OP's issue, as he states, is that the wife's 403b will never reach Admiral status as it's not an option.
by runner9
Sat May 25, 2013 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lowering Expense Ratios
Replies: 5
Views: 260

Re: Kid on the way - financial decisions

The Dependent Care FSA seems like a good deal, we don't take advantage of it because my wife's currently staying at home (apparently can't be used if there's a stay-at-home parent, which was a surprise to me). We put the max, $5K, in a year and then get it back with reciepts from daycare. That's co...
by runner9
Fri May 24, 2013 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Kid on the way - financial decisions
Replies: 12
Views: 985

Re: Price on Amazon.com yesterday?

Just an update: I first e-mailed asking for a refund of the difference. They responded that yes, they would refund it. They credited $6.97 to our gift card balance. They then sent a form e-mail saying I qualified for a refund of $6.97 for the pre-order guarantee. They credited $6.97, for a second ti...
by runner9
Thu May 23, 2013 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Price on Amazon.com yesterday? (Pre-order Guarantee)
Replies: 14
Views: 1582

Re: Price on Amazon.com yesterday?

Thanks, I already wrote them less than 2 hours ago and received the following e-mail, in part: Hello, Thanks for contacting us about the recent price change on item. I recognize you have a choice of retailers and appreciate that you prefer to order from us. Since the price of the item has changed wi...
by runner9
Wed May 22, 2013 10:59 am
 
Forum: Personal Consumer Issues
Topic: Price on Amazon.com yesterday? (Pre-order Guarantee)
Replies: 14
Views: 1582

Re: Price on Amazon.com yesterday?

Thanks! That site says it dropped to it's current price at 3:44am on May 20, which makes sense as the Best Buy ad lists it for the same price in Sunday's ad.

I'll send amazon an e-mail when I get a chance.

Thanks!
by runner9
Wed May 22, 2013 9:15 am
 
Forum: Personal Consumer Issues
Topic: Price on Amazon.com yesterday? (Pre-order Guarantee)
Replies: 14
Views: 1582

Price on Amazon.com yesterday? (Pre-order Guarantee)

I preordered a DVD a few weeks ago and it arrived yesterday. It had pre-sale guarantee (or whatever they call it) that if the price went down before the end of the first day of release they'd refund the different. Stupid me didn't look yesterday (the release date), but today's it about $6.50 less th...
by runner9
Wed May 22, 2013 8:41 am
 
Forum: Personal Consumer Issues
Topic: Price on Amazon.com yesterday? (Pre-order Guarantee)
Replies: 14
Views: 1582

Re: reloaded

Glad the site is back! Reminded me of after Hurricane Sandy, I had to find something else to do with my time :wink:
by runner9
Tue May 21, 2013 9:05 pm
 
Forum: Forum Issues and Administration
Topic: reloaded [Forum and wiki were offline]
Replies: 74
Views: 4010

Re: Great new Amazon delivery option

Does this speed things up? I ordered two smoke detectors after we burned popcorn badly in a microwave and they didn't go off.

Ordered May 11, stated should be delivered May 16 to 22, and they're not shipped yet.
by runner9
Fri May 17, 2013 11:00 am
 
Forum: Personal Consumer Issues
Topic: Great new Amazon delivery option
Replies: 29
Views: 3352

Re: Using full name for email - bad or good idea?

I use firstname.lastname@gmail.com. The major downside is that you get lots of email for those who share your first name and last name. I think spammers oftentimes use common firstname.lastname combos. So, there's that too. Otherwise, no problems. If your firstname lastname is still available, then...
by runner9
Wed May 15, 2013 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 20
Views: 1248

Re: 3 day wait for rebalancing

Another pro for mutual funds over ETFs, you can sell and by the same end of day.
by runner9
Wed May 15, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 day wait for rebalancing
Replies: 7
Views: 609

Re: How much do your adult children know about your investme

I know that if something happens to my parents I am to look in a certain container in a certain location in a certain place for a packet with the information I would need. I know nothing more than that and am ok with it that way. (parents are a bit younger than OP)
by runner9
Tue May 14, 2013 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do your adult children know about your investments?
Replies: 30
Views: 2190

Re: Mothers Day Ideas

We were going to go to a park so our 3 year old (only grandkid) could run around. Instead, though it was 75 most of last week, it's now 40 with 5 minutes of hail this morning and cars off the roadway on the way home just now as if there had been ice:( Just staying inside at the sister in law's inste...
by runner9
Sun May 12, 2013 10:25 am
 
Forum: Personal Consumer Issues
Topic: Mothers Day Ideas
Replies: 6
Views: 720

Re: Trying to Help My Dad (Mortgage Payoff?)

Savvy wrote: He uses an adviser because, fairly, all of his investments are a bit complicated since they're in many funds.


This sounds like a viscous circle. Guessing an adviser got him into many funds, now he stays because he's in many funds.
by runner9
Sun May 12, 2013 6:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help My Dad (Mortgage Payoff?)
Replies: 9
Views: 778

Re: My soon-to-be worst investment ever

We bought our first/only house in May, 2007. In hindsight I'd still do it again. It was the right time in our lives, we don't plan to ever move, etc. Yes, we could have rented an apartment for a couple of more years and gotten a house cheaper, but also would have wanted to delayed having a family, e...
by runner9
Sat May 11, 2013 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My soon-to-be worst investment ever
Replies: 56
Views: 17615

Re: XIRR question - beginner

That worked! That's so much for the suggestion dbr :D
by runner9
Sat May 11, 2013 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR question - beginner
Replies: 57
Views: 2186

Re: XIRR question - beginner

Thanks LadyGeek, but it still didn't work.

I copied the cells to a blank document, made the 12/31/13 figure constant, moved the XIRR function to the spot below the last value and it's still 0.00 :(

This is in Microsoft Excel 2010.

Anyone have another suggestion?
by runner9
Sat May 11, 2013 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR question - beginner
Replies: 57
Views: 2186

Re: XIRR question - beginner

I put together a XIRR formula for each of our MF/ETR holding in January and they each appear to be working correctly. On April 12 we started every 2 week contributions to a 457 for my wife. I copy/paste/changed an XIRR formula for this fund but it always shows a return of 0.00% I don't know what I'm...
by runner9
Sat May 11, 2013 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: XIRR question - beginner
Replies: 57
Views: 2186

Re: Refi or Not??

also look at fine print that you'd be doing a refi on an existing PenFed mortgage. I believe you'd have to take out 10K in additional principal or something like that but don't quote me.
by runner9
Wed May 08, 2013 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Refi or Not??
Replies: 9
Views: 436

Re: Any way to highlight the original poster in a thread?

gkaplan wrote:Why not just do an Edit - Find?


+1

And we're being the OP, start replies with "I'm the OP" or similar
by runner9
Sun May 05, 2013 8:37 pm
 
Forum: Forum Issues and Administration
Topic: Any way to highlight the original poster in a thread?
Replies: 10
Views: 643

Re: When are Mutual Funds traded?

When you put in the order you'll see this on the page you submit on:

Requests received after the close of regular trading on the New York Stock Exchange (usually 4 p.m., Eastern time) will be priced at the next business day's close.

by runner9
Sun May 05, 2013 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: When are Mutual Funds traded?
Replies: 6
Views: 440

Re: Problem with Vanguard website

No problem with IE8, though it did ask a security question which I was surprised at, as I log in from that computer regularly and didn't clear the history or cookies.
by runner9
Wed May 01, 2013 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 10
Views: 869

Re: Payoff Car loan 0.9%?

As I'm debt adverse, I would probably put extra towards the mortgage first, as I'm guessing it's a higher interest rate, even after tax deduction.
by runner9
Wed May 01, 2013 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Payoff Car loan 0.9%?
Replies: 34
Views: 1924

Re: Can You Ace FINRA's Financial Literacy Quiz?

Only 11, didn't spend a lot of time and don't really know much about buying on margin, etc. especially being young and 100% equities.

My wife, who acts uninterested in our finances but listens at least a bit to me talk about them then takes the quiz and beats me with 12 right! Got to love her! :D
by runner9
Mon Apr 29, 2013 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 4649

Re: What home gym equipment do you have?

- a pullup bar (boglehead style...made of 1" pipe and slung over the basement I-beam...very cost efficient 8-) ) for pullups, chinups, etc. Please explain. I have a steel i-beam across the center of the basement. Are you talking about the same or wooden i beams instead of solid 2x8s running 16...
by runner9
Mon Apr 29, 2013 9:03 pm
 
Forum: Personal Consumer Issues
Topic: What home gym equipment do you have?
Replies: 68
Views: 3809

Re: Homeower's Policy Rate Increase

$2700? Wow. I'll keep my $368 for a year!
by runner9
Tue Apr 23, 2013 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeower's Policy Rate Increase
Replies: 22
Views: 1274

Re: Frontline--The Retirement Gamble

Just bumping this up--the show airs tonight. 10pm on one of my PBS stations, 2am on the other.
by runner9
Tue Apr 23, 2013 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 291
Views: 25540

Re: Mortgage Overpayment

We have a set amount for emergency fund and then put everything over that against the mortgage. I agree to suggest that. Make the EF a set amount, be it 8 months, 12 months, etc and then put everything over the top against if that's your goal. (we do max Roths and put $12K a year into a 457 first)
by runner9
Tue Apr 23, 2013 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Overpayment
Replies: 4
Views: 502

Re: Pay off all debt first and come back here in 2 years?

Niko wrote:
This is phenomenal progress is only 7 months! Well done!


+1 for sure!
by runner9
Sun Apr 21, 2013 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off all debt first and come back here in 2 years?
Replies: 64
Views: 4985

Re: Vanguard Prime Money Market Fund

Same as with mutual funds: it's not deducted separately from the daily price, deducting underlying.
by runner9
Tue Apr 16, 2013 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market Fund
Replies: 8
Views: 1333

Re: Tracking our expenses

Microsoft Money
by runner9
Tue Apr 16, 2013 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking our expenses
Replies: 22
Views: 1063

Re: window tinting/films

There was a segment on Ask This Old House this season where a window had reflected so much sunlight and heat that it melted the vinyl siding. It was an inside corner, the window reflected onto next wall that met it at a 90 degree angle. Not relevent here, just mentioning.
by runner9
Sun Apr 14, 2013 2:11 pm
 
Forum: Personal Consumer Issues
Topic: window tinting/films
Replies: 12
Views: 727

Re: How do you track & analyze your portfolio, esp.401k?

http://www.microsoft.com/en-us/download/details.aspx?id=20738

Here's the Microsoft download, I believe. My only question reading the small print: do you need to have an earlier version installed already?
by runner9
Sun Apr 14, 2013 7:37 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you track & analyze your portfolio, esp.401k?
Replies: 20
Views: 2069

Re: Best place to buy a treadmill

How often/long are you planning to use it? Some people like running on a treadmill, most of us call it a dreadmill. I bought one used on Craiglist 2 years ago. Knock on wood it's had no issues, I use it maybe 10 times a year for 2-5 miles each time. I can't get myself to run farther than that on it ...
by runner9
Sat Apr 13, 2013 10:25 am
 
Forum: Personal Consumer Issues
Topic: Best place to buy a treadmill
Replies: 31
Views: 1877

Re: Portfolio Help [Teacher]

Thanks for the update as well. Interesting, we picked Small Cap Index (VSCIX) which is listed as ER of 0.08 on the vanguard.com site and .14 in the Ohio 457 performance report from 12/31/12. Back and forth several times with Ohio 457 and Vanguard my best guess based on all answers is that vanguard c...
by runner9
Sat Apr 13, 2013 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help [Teacher]
Replies: 32
Views: 1683

Re: Portfolio Help [Teacher]

Yesterday was payday: contribution bought share at yesterday's closing price and appear as a balance this morning. I don't think it could be any faster than that! Only wierd to thing is it shows the number of shares balance to 8 spots past the decimal point. Saivng on taxes already: ( deposited $631...
by runner9
Sat Apr 13, 2013 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help [Teacher]
Replies: 32
Views: 1683

Re: [Vanguard Announces Expense Ratio] ER Changes

My question about all the same ERs in the list: why list them? Wouldn't it just be simpler in an 'article' titled April ER Changes to only list the funds with changes?
by runner9
Fri Apr 12, 2013 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: [Vanguard Announces Expense Ratio] ER Changes
Replies: 32
Views: 2294

Re: Portfolio Help [Teacher]

You're quite welcome! Glad I was able to help someone, as so many have helped me here:) When we signed up we did the online application that it says takes 20 minutes where you pick the investments you want right then. It took me about 15 minutes. (I had previously picked a fund that was institutiona...
by runner9
Wed Apr 10, 2013 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help [Teacher]
Replies: 32
Views: 1683

Re: Portfolio Help [Teacher]

My wife teaches at an Ohio public college. In her benefit/health insurance packet in December it had a page, half describing the Ohio 457 plan. Based on that I researched them and then called to ask if my K-12 district was automatically a part of it. They said not automatically, what district is it....
by runner9
Tue Apr 09, 2013 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help [Teacher]
Replies: 32
Views: 1683

Re: Portfolio Help [Teacher]

Just a few years ago it was 30 years and 66% of final salary's highest 3 year average. Now it's 35 years and 77% of salary's highest 5 year average.

Again, though, please look at the Ohio 457 plan, with ERs as low as 0.04.
by runner9
Tue Apr 09, 2013 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help [Teacher]
Replies: 32
Views: 1683

Re: Portfolio Help [Teacher]

Before you write off the 403(b) plan, can you confirm that the expenses and choices are truly that bad? I'm not an expert, but when I google "ohio teacher 403(b)" the first hit is this page: K-12 Educators - State Teachers Retirement System of Ohio If you're a K-12 public school teacher, ...
by runner9
Tue Apr 09, 2013 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help [Teacher]
Replies: 32
Views: 1683

Re: Lawn Mower Fix or New

First, to everyone who's cutting grass and edging....lucky you guys/gals, it's finally feeling like spring here but no growth on trees/shrubs/lawns yet. I have Toro Recycler and have had no issues. Have used the hose washout once, it just sprayed clumps of wet grass all over the driveway. I turn it ...
by runner9
Sun Apr 07, 2013 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Lawn Mower Fix or New
Replies: 30
Views: 1704

Re: How to search for posts by author?

Click users name on the right of one of their posts.

Click "Search users posts" on the right
by runner9
Sat Apr 06, 2013 10:43 pm
 
Forum: Forum Issues and Administration
Topic: How to search for posts by author?
Replies: 4
Views: 374

Re: VBS users – Be ON ALERT regarding this purchase method!

I did the same thing I usually do. Went to vanguard.com and put in a VBS buy for a set price. Checked for a couple of days, it was filled early on 3/21 (I could tell based on a quick google quote search). I logged back in, double checked that it was filled. Before 4pm the same day I went to the mone...
by runner9
Fri Mar 29, 2013 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBS users – Be ON ALERT regarding this purchase method!
Replies: 36
Views: 3792

Re: VBS users – Be ON ALERT regarding this purchase method!

The $469.60 came from outside: a brick and mortar bank savings account.
by runner9
Fri Mar 29, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBS users – Be ON ALERT regarding this purchase method!
Replies: 36
Views: 3792

Re: VBS users – Be ON ALERT regarding this purchase method!

No problem here either, using vanguard and VBS.

Bought 5 VSS for 469.60 on 3/21.

Then bought 469.60 in Money Market, also on 3/21, taking balance from 0 to 469.60.

Sweep to brokerage on 3/26.

No issues.
by runner9
Thu Mar 28, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBS users – Be ON ALERT regarding this purchase method!
Replies: 36
Views: 3792

Re: Penfed Credit Union

5% Gas Cash back card and 3% 5/5 ARM. No issues, a few with teh refi but none otherwise. Happy with them and worth the $20 donation for sure.
by runner9
Wed Mar 27, 2013 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed Credit Union
Replies: 24
Views: 1827

Re: Setting up my garden, first time.

http://www.bogleheads.org/forum/viewtopic.php?f=11&t=113153&newpost=1649099

I don't know how helpful this will be to your specific questions, but here's a current thread on gardening.
by runner9
Sun Mar 24, 2013 7:40 am
 
Forum: Personal Consumer Issues
Topic: Setting up my garden, first time.
Replies: 14
Views: 1348

Re: House Appraisal Drops Right before Refinancing

You've given us a link to your actual home address, with photos? Really?
by runner9
Sat Mar 23, 2013 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: House Appraisal Drops Right before Refinancing
Replies: 19
Views: 1423

Re: Gift card for cyclist

I'd vote for amazon. Huge variety both of cycling and non-cycling stuff I'm sure, plus free shipping.
by runner9
Sat Mar 23, 2013 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Gift card for cyclist
Replies: 22
Views: 778
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