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Re: Considering IRA rollover - some questions

Yes, Vanguard or any other institution will take rollovers to the same rollover account.

I'm not very familiar with in service rollovers... but what's the expense ratio on his 401k funds?
by skibbi9
Fri Feb 15, 2013 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering IRA rollover - some questions
Replies: 8
Views: 358

Re: Investing Help for a 30 year old...

any reason why you're not taking advantage of your 401k more for tax advantaged space (vs. your large taxable positions? down payment or just haven't thought about it or limited as a HCE [doubtful though]
by skibbi9
Thu Feb 14, 2013 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Help
Replies: 8
Views: 560

Re: Starting a New Chapter! Moving to VG....

Didn't realize how terrible some of ameriprise can be.

Good work so far, but yes, post the breakdown and get your ER%s down.
by skibbi9
Thu Feb 14, 2013 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting a New Chapter! Moving to VG....
Replies: 5
Views: 667

Re: Mulling Over Whether I Should Retire

When does your pension kick in? Its tough to make any real suggestions without knowing your expenses, how much you want to contribute to your kids schooling (sounds like nothing stashed away specifically for that yet)? value of property? is your wife working? does she have additional savings? It sou...
by skibbi9
Tue Feb 12, 2013 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mulling Over Whether I Should Retire
Replies: 15
Views: 1767

Re: 401K with "No Out of Pocket Expenses"

Could trick the layman, but they aren't charging the company an amount or loads to the employees.

That's not terrible overall, but a little review seems to like http://www.employeefiduciary.com/
by skibbi9
Tue Feb 12, 2013 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K with "No Out of Pocket Expenses"
Replies: 5
Views: 783

Re: What identifies a Boglehead?

I'd go with "Fiscally Prepared"

Highlights of the philosophy seem to be driven by prodigious Accumulation of Wealth (millionaire next door) via High savings rate and Non-speculative investments or optimization of Risk-Reward


I think these 5 possibly best summarize.
by skibbi9
Tue Feb 12, 2013 1:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What identifies a Boglehead?
Replies: 36
Views: 1565

Re: Non-governmental 457b Question

Doc,

Another thing to consider is maxing your Ibonds with treasury direct
You can both contribute 10k tax deferred each year.

Mel recently talks about it here
http://blogs.forbes.com/thebogleheadsview/
by skibbi9
Tue Feb 12, 2013 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-governmental 457b Question
Replies: 5
Views: 349

Re: *fired my advisor* need help with investments

noob, reading the bogleheads guides are a great first step and won't require too much time/money

http://www.amazon.com/The-Bogleheads-Gu ... 772&sr=8-1
by skibbi9
Tue Feb 12, 2013 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: *fired my advisor* need help with investments
Replies: 27
Views: 3034

Re: *fired my advisor* need help with investments

Is that a typo or do you really have a $725k mortgage? Are you comfortable with that much debt? What is your plan for paying that down/off? Why do you have a $100k emergency fund? How much is necessary? It looks like your uninvested cash and non-retirement account cash add up to $725k. If it was me...
by skibbi9
Mon Feb 11, 2013 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: *fired my advisor* need help with investments
Replies: 27
Views: 3034

Re: I'm playing an investment game. How do i make $50k from

There are probably enough Arb event opportunities but may not settle in time. (plus the game probably can't execute exchange tenders). Can you do options? If i'm just picking I'd load up on GKK and BRK.A/BRK.B I was hoping this was a lose 95% in the next 6 months... that would be fun (triple leverag...
by skibbi9
Mon Feb 11, 2013 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm playing an investment game. How do i make $50k from $1 m
Replies: 49
Views: 3573

Re: ETF more tax friendly than mutual funds?

I thought the ETF vehicle is able to shelter more of the dividends.. but can't remember the details/
by skibbi9
Sun Feb 10, 2013 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF more tax friendly than mutual funds?
Replies: 5
Views: 762

Re: 'Won the Game' but is this portfolio too conservative?

too much in Int'l (and developing intl) seems like you're using the guise of protecting against USD fx instead of what seems as a chasing yield play. If you were worried about USD:CAD longterm rates wouldn't you look into a specific CAD:USD type fund, Oil/Energy (to play on canada's petro link curre...
by skibbi9
Sun Feb 10, 2013 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'Won the Game' but is this portfolio too conservative?
Replies: 30
Views: 3916

Re: Advice on moving ETFs out of TradeKing

money wrote:Vanguard could be one option, however, I would probably get hit with a $50 account closing fee by TradeKing... I am wondering if there is another option.

schwab is 'refunding' relocation fees with $$ and free trades for the next few months... its a option.
by skibbi9
Sun Feb 10, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on moving ETFs out of TradeKing
Replies: 8
Views: 676

Re: Super Bowl pools

Very poor investment option. Risk $5 and likely lose it all with a 1% chance of winning In terms of gambling options, it's actually great. Total payout is 100%, the house takes nothing. Can't get that in Vegas. yes, before the numbers are picked your expected return is 1 for every dollar you put in...
by skibbi9
Thu Feb 07, 2013 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Super Bowl pools
Replies: 17
Views: 1617

Re: Ibonds as Emergency Fund AND Bond allocation

Hi all, So my fiance and I have already maxed out our ROTHs for the year, and are working on maxing out 401k space with match. I've been toying around with what to do with additional savings, and the idea of buying Ibonds seems appealing, even though we are only 25/26. I see several strong advantag...
by skibbi9
Wed Feb 06, 2013 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ibonds as Emergency Fund and Bond allocation
Replies: 29
Views: 2975

Re: argument against indexing on morning star...

don't feel like digging up my login... feel like quoting the article?
by skibbi9
Tue Feb 05, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: argument against indexing on morningstar...
Replies: 44
Views: 3283

Re: Our cable bill is over $200 !!! WT*

Is $2500 a year for cable/phone/internet crazy? Let's see: If you bought a $50 antenna and canceled the cable & phone, you could buy a big new flat screen 60" HDTV this year with the savings. Then next year you could buy another TV that will be bigger and nicer. Then the year after that yo...
by skibbi9
Tue Feb 05, 2013 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Our cable bill is over $200 !!!
Replies: 89
Views: 8643

Re: Ambit Energy

Sounds like a terrible iea
by skibbi9
Mon Feb 04, 2013 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Ambit Energy
Replies: 8
Views: 680

Re: 30 years old - Should I invest my Roth401k Option?

I don't know that there is a cut and dry answer, but you're contemplating the right questions.

I'm personally very similar and only do about 6% of my 17k in contributions as Roth, as I'd like to have a bit more roth space but can't contribute to Roth IRA
by skibbi9
Mon Feb 04, 2013 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30 years old - Should I invest my Roth401k Option?
Replies: 17
Views: 1232

Re: Is the market nearing a new high?

no reason to think we are doomed to a correction now. based on the fundamentals (Lets go with Schiller PE), we're only a little about historical average. Could easily have a lot more upside (+50%?) before a big correction. But that's the beauty of a passive portfolio, not needing to sweat (and fail ...
by skibbi9
Mon Feb 04, 2013 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Is the market nearing a new high?
Replies: 56
Views: 5755

Re: 2 Years Out of College, MBA Plan

(if you're a white US male with a traditional backround you're going to need a 680+ for top5 program). at least you are not an asian US male with a traditional background which will require 750+ :( I understand your point but once you're over ~720 its all approximately the same. becomes more fit fo...
by skibbi9
Thu Jan 31, 2013 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Years Out of College, MBA Plan
Replies: 23
Views: 2856

Re: Need Bourbon Advice

I love this article from a couple years ago: http://www.grantland.com/story/_/id/6667949/pappy-van-winkle What I'm drinking: Eagle Rare (I enjoy this a lot) Bulleit Rye (pretty good drink) Buffalo Trace (same distillery, but nothing like pappy) Hudson Bourbon (made in NY, so not really bourbon, its ...
by skibbi9
Thu Jan 31, 2013 10:45 am
 
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 6116

Re: 2 Years Out of College, MBA Plan

Waiting to hear back on my MBA applications (top 12 schools) You'd be on the young end of MBAs at the upper schools. Do you have a good undergrad? Are you community involved? Have you taken the GMAT yet (if you're a white US male with a traditional backround you're going to need a 680+ for top5 prog...
by skibbi9
Thu Jan 31, 2013 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 Years Out of College, MBA Plan
Replies: 23
Views: 2856

Re: Term life vs. whole life (universal) new twist?

Insurance is insurance. Investments are investments. Don't commingle the 2. There are times where it makes sense to combine the two, but usually not for the regular person. 1 SPIAs are constantly touted here as good longetivity protection 2 There are plenty of option/hedges that you can get for che...
by skibbi9
Thu Jan 26, 2012 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life vs. whole life (universal) new twist?
Replies: 67
Views: 3523

Re: Good walking hiking shoes?

Have Keen boots and love them

http://www.keenfootwear.com/
by skibbi9
Tue Jan 17, 2012 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Good walking hiking shoes?
Replies: 27
Views: 2276

Re: One leg shorter than the other?

Its also a common way that chiropractors get you to keep coming back when they really don't have a fix for it.

$$$

i think its one of the more common 'ailments"
by skibbi9
Mon Jan 16, 2012 10:59 am
 
Forum: Personal Consumer Issues
Topic: One leg shorter than the other?
Replies: 13
Views: 2475

Re: terrible family finance---need advice

Well done on working to make yourself financially secure. I don't see any reason why you can't contribute to a Roth. The limit is $5,000 per year (if you can't contribute new money this year, consider moving some from your other account). Only if you are making a lot of money will the ability to co...
by skibbi9
Wed Jan 11, 2012 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: terrible family finance---need advice
Replies: 12
Views: 1600

Generally people aren't getting their email 'hacked' , they're getting a worm with keylogger on their system, and that system uses the email login to send emails. Malwarebytes and such should be a good start. Did you log in other computers with that email? it might not be the first computer
by skibbi9
Sun May 15, 2011 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo email hacked
Replies: 36
Views: 6432

BigMike wrote:
mamster wrote:Anyway, where are you planning to go?


Right now, thinking of either the Galapagos Islands or an African safari. It would pretty much be the trip of a lifetime, hence the need to save up! :D
recently back from 2 weeks in South Africa, did few days of safaris, probably ran ~4000 per person
by skibbi9
Sat May 14, 2011 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a vacation in 10 years -- where to put the money?
Replies: 20
Views: 1919

Re: Very Slow Computer

Igglesman wrote:Without more info, run Ad-Aware or Malwarebytes or Spybot. This may clean it up so the machine is fast again.


Mostly agree, Run MalwareBytes first then maybe spybot. i dont like adaware
by skibbi9
Fri May 13, 2011 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Very Slow Computer
Replies: 33
Views: 3326

Two good rules I live by: 1. Don't mix banking and investing. 2. Dont' mix insurance and investing. Follow those two rules and you'll do fine. you're missing a few: 3 Don't mix beer and then liquor 4 Don't mix oil and water (they don't mix) 5 Don't pick a fight with anyone with califlower ear 6 AAA...
by skibbi9
Wed May 11, 2011 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to deal with bank wanting to "help" me with my
Replies: 42
Views: 5991

usually travel with a couple hundred bucks per person in US (good for taxis and other messes when you get back anyway.)

Never needed to get paranoid in western europe, don't know which crazy western european country GRT2Boutdoors went to.
by skibbi9
Wed May 11, 2011 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency cash when traveling to underdeveloped locations
Replies: 17
Views: 1660

how much do you want to spend? there is generally a: -So cheap the motor is underpowered and break - Little more expensive, first of the ones that are ok - The good ones (but expensive) if you're just looking for a protein shaker: http://www.bodybuilding.com/store/active-ventures/turbo-shaker.html i...
by skibbi9
Wed May 11, 2011 11:10 am
 
Forum: Personal Consumer Issues
Topic: Looking For A Good Blender
Replies: 28
Views: 2955

Few things I'm questioning: Can you give a rough portfolio size? (usually people suggest something like : low/mid/upper 6's) Is there a Pension? You mention working but I don't see any 401k/403b/SEP, do they have some pension or non work retirement aid. You also might want to move more of your inves...
by skibbi9
Mon May 09, 2011 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to allocate inheritance
Replies: 2
Views: 626

Will the 8% max out both IRA accounts? the 8% is not for the IRA , its for 401k, and Total contributions for both cannot exceed 16,500 (for his part, company can contribute more). Given that he's just out of school it's unlikely that 8% pretax and 8% posttax of his salary = 16,500 unless he's got a...
by skibbi9
Mon May 09, 2011 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Great Salary with $8k in Student Loans and $12K in savings.
Replies: 28
Views: 3069

Highly doubt you'll hit 8.4% long term. Geometric Average Stocks , 3mo T.Bills , 10yr T.Bonds 1928-2010 9.32% 3.66% 5.01% 1961-2010 9.67% 5.23% 6.58% 2001-2010 1.38% 2.16% 5.49% if you use 50/25/25 of 1928-2010 avgs i'm getting 6.83%, could be wrong but i wouldn't bet on above avg returns going forw...
by skibbi9
Mon May 09, 2011 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retake on my 50-50 AA
Replies: 5
Views: 947

1) dont worry
2) no right on red in nyc (never)
3) ive seen a few left on reds!
by skibbi9
Fri May 06, 2011 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Right Hand Turns At Red Lights
Replies: 58
Views: 4399

already posted:

viewtopic.php?t=74139
by skibbi9
Fri May 06, 2011 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Watch says TIPS are stupid!
Replies: 1
Views: 845

just to update this thread: since ACQ was posted in the original post, it's down 81 dollars, or -31% in just under 1 month
by skibbi9
Thu May 05, 2011 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment % for speculation investment
Replies: 48
Views: 4157

Thank you for sharing the article, Taylor! :) But considering we have VINIX for .05%, PTTRX for .47%, Blackrock Mid and Small cap indices for .10/.12%, The JPMorgan Smartretirement funds are non-competitive Indeed. Sorry if I gave the impression (with the statement that Taylor quoted) that I was su...
by skibbi9
Thu May 05, 2011 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: "Is a Single Target Retirement Fund Really OK?"
Replies: 25
Views: 4322

good luck on it :D

i went with 4 prong on her engagement ring.
by skibbi9
Thu May 05, 2011 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Diamond ring setting: 4 or 6 prong?
Replies: 20
Views: 3800

I generally think my companies 401k is pretty good (menu should be larger) But considering we have VINIX for .05%, PTTRX for .47%, Blackrock Mid and Small cap indices for .10/.12%, The JPMorgan Smartretirement funds are non-competitive, especially how they grade Smartretire 2010 0.86% 2015 0.93% 202...
by skibbi9
Thu May 05, 2011 11:59 am
 
Forum: Investing - Theory, News & General
Topic: "Is a Single Target Retirement Fund Really OK?"
Replies: 25
Views: 4322

IMHO Bill Gross has a very unsophisticated view of the bond markets, .... I've never seen that written before. Well, in spite of that he's done very well for himself (and his bond funds). :) That's how he did well for himself. He is the Kramer (and coin flipper) of bonds. Studies show that anything...
by skibbi9
Thu May 05, 2011 9:34 am
 
Forum: Investing - Theory, News & General
Topic: More from Bill Gross
Replies: 50
Views: 6650

would be a fun meeting
by skibbi9
Wed May 04, 2011 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Solicitation
Replies: 7
Views: 996

IMHO Bill Gross has a very unsophisticated view of the bond markets, and this view attracts a lot of headlines and thus sales for his overpriced bond funds. aren't they only overpriced if they don't perform better net of fees than their competitors/index? That's a bit of a touchy subject but at onl...
by skibbi9
Wed May 04, 2011 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: More from Bill Gross
Replies: 50
Views: 6650

Thank you beagler, I like reading gross' notes/thoughts. As many people said its not good information for what to do/timing, but i do like it for: this is what has happened and how we reacted to it... kind of short term reflection on what has been happening.

interesting stuff
by skibbi9
Wed May 04, 2011 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: More from Bill Gross
Replies: 50
Views: 6650

You'll get 100 answers, if its particularly nice car than people will probably give you a 1000 products i like mothers' http://www.mothers.com/02_products/02_products_01_line.html but unless its a really nice car and you don't want to deal with potential scratches other things, its probably cheaper ...
by skibbi9
Wed May 04, 2011 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Washing Car
Replies: 14
Views: 1833

this sounds like a nigerian style scam
by skibbi9
Wed May 04, 2011 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Require the collective's experience on possible Grifter(?)
Replies: 20
Views: 1606

how old are you?
by skibbi9
Tue May 03, 2011 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Okay finally investing in 401K
Replies: 29
Views: 2260
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