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Re: Aio Wireless

I am a current ATT customer and am considering porting over my Samsung S3 and my wife's iPhone 4s over to Aio Wireless. Currently I pay $100 for 550 mins, no text, 300 MB with ATT. It seems that after this switch, I should pay ($35*2 - $10 for autopay) = $60 per month for unlimited everything + 500M...
by slbnoob
Wed Apr 16, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 26
Views: 1340

Re: New homeowner: lawn care advice

You asked for advice, so here you go: I highly recommend finding alternatives to maintaining artificial (non-native) cool season grasses in an arid, drought-prone, and overpopulated area like Texas. I am a big proponent of using water to grow edible plants vs. maintaining cultural oddities (esp. in...
by slbnoob
Mon Apr 14, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3797

Re: First Trip to India

Apply to the India consulate nearest to your city. The information here is complete and all you need to apply. The process is without hassles if you follow the instructions. As you see, the service is offered through a third party. Drink bottled water only. Do not drink water from other sources in r...
by slbnoob
Mon Apr 14, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 47
Views: 3626

Re: New homeowner: lawn care advice

Wonderful responses. Now I have starting points to do my research and figure out what suits me. Thanks again everyone !
by slbnoob
Mon Apr 14, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3797

Re: New homeowner: lawn care advice

Thanks for all your responses. I live in the Houston area. I am planning on watering deeply and infrequently (twice a week in the summer). To begin with, I am checking reviews on lowes. The Kobalt site directed me there. What are some general good (and reasonably cheap) brands for electric blowers, ...
by slbnoob
Mon Apr 14, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3797

New homeowner: lawn care advice

I am going to be a new homeowner. With a house, come lots of responsibilities - lawn care being one. I seek some boglehead'ish advice on what equipment to buy. My suburban TX house will 2700 sq ft. on a 7000 sq ft lot. This would mean my lawn would be about 4000 sq ft or less. I am interested in an ...
by slbnoob
Mon Apr 14, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 54
Views: 3797

Re: TMobile $30 plan...

I think you can get the phone unlocked after you've satisfied your contract. Actually, only unlocking the phone doesn't make it good to play with any carrier. For example, Verizon uses the legacy CDMA technology while the ATT phone uses GSM. So most likely, the phone wouldn't play with each other, ...
by slbnoob
Mon Apr 07, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 46
Views: 2639

Re: TMobile $30 plan...

Don't want to hijack the thread but I have a related question. What are the other options for current ATT customer? I ask because I would want to bring my own ATT phone to a different service after my ATT contract.

H2O is linked above. Any other options where I can use my ATT GSM phone? Thanks.
by slbnoob
Mon Apr 07, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 46
Views: 2639

P2P Lending Fund

It was a matter of time before such a peer to peer lending club fund was instituted. I am not aware of a similar "fund". I wonder how much value this fund will bring to investors which is different from the premium services already offered by the lenders themselves. The ER is way too high ...
by slbnoob
Tue Mar 04, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: P2P Lending Fund
Replies: 5
Views: 421

Re: Cutting cell phone expenses

Ting seems interesting.

I can't wait for my contract with ATT to get over !
by slbnoob
Mon Mar 03, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Cutting cell phone expenses
Replies: 20
Views: 1789

Re: How has frugality impacted your marriage/LTR?

What I don't understand is the mentality of some people who go beyond frugal to cheap - we live in NewEngland and have friends that invite us over for a weekend when temps are near 0F - they wear layers of sweaters and polar fleece and leave the thermostat at 50F all the time in the Winter - cheap ...
by slbnoob
Fri Feb 21, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 2818

Re: REITs in taxable

From EmergDoc's post, viewing a 401K as a 0.75 * Roth (since I'm in the 25% tax bracket) was an eye opener. I never thought of it that way. I will have to revisit the asset allocation for my specific situation again when I plan to increase my bond buying next year in my 401K.
by slbnoob
Wed Feb 19, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: REITs in taxable
Replies: 37
Views: 2036

Re: Just got a free consultation by Personal Capital. Though

Out of curiosity, why would you recommend having the bonds in my Roth vs. my 401k? I assumed as long as the bonds were in some tax advantaged account I'd be fine. Yes, bonds in tax advantaged account is fine. However, it is probably preferable to hold them in the 401K. You can try to keep the Roth ...
by slbnoob
Wed Feb 05, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Just got a free consultation by Personal Capital. Thoughts?
Replies: 49
Views: 4831

Re: Is it bad to have Many Bank Accounts?

As far as I know (which isn't much), (most) banks do not do a hard pull on the credit history for opening a bank account. For example, you can sign up at http://www.creditkarma.com and monitor your credit for free. After signing my wife up for that, I had her open a Roth IRA account at Vanguard, a C...
by slbnoob
Thu Jan 23, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Is it bad to have Many Bank Accounts?
Replies: 41
Views: 3329

Re: Which loan if any should I get for solar panels?

I'm no expert on any of the topics concerning you but am giving my opinion (since you asked) :) Congratulations on choosing a more sustainable way of life. I like many of the steps you've taken and would like to do them myself. Of the 3 options you mention, option 2 seems very complicated and I pref...
by slbnoob
Thu Jan 23, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which loan if any should I get for solar panels?
Replies: 4
Views: 382

Re: Honda Fit

This new test should not be a cause for concern to owners/drivers of smaller cars. Nothing has changed. Next cycle models should take this test into account in their design. On a different note however, I have come across people who openly said they feel more powerful and aggressive when driving in ...
by slbnoob
Thu Jan 23, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit
Replies: 35
Views: 3290

Re: Newbie - Help on Investing $100K

You contribute to Roth because the growth is tax-free on withdrawal. Also, the contributions to Roth can be withdrawn anytime. So essentially, at least the contribution is not locked away for years. Some even consider that as part of an EF.
by slbnoob
Wed Jan 22, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Help on Investing $100K
Replies: 21
Views: 2380

Re: Auto insurance

+1 for Geico.
For some reason, all other quotes that I got from other companies were outrageous for a hybrid sedan. Thankfully, Geico didn't try to penalize me for driving a hybrid.
by slbnoob
Mon Jan 20, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto insurance
Replies: 35
Views: 2415

Re: World Stock Market's Greatest Hits

techcrium wrote:I don't get it.

The chart said it took Austria 89 years, from 1915 to 2003 to return it is original levels...

So that means in Austria in 1915's stock market was valued to its 2003 stock market???

The article definitely says so. Note it also accounts for inflation.
by slbnoob
Thu Jan 09, 2014 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: World Stock Market's Greatest Hits
Replies: 26
Views: 1673

Re: Planning, IPS, and bonds in taxable/tax-advantaged accts

Typically, the advised sequence for contributing to investment accounts is: 1. 401K to get full employer contribution 2. Maximize Roth IRA to 5500 3. Maximize 401K to 17500 4. Open taxable Some people prefer investing in their Health Savings Account (HSA) around #2 and #3 above, depending upon their...
by slbnoob
Wed Jan 08, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning, IPS, and bonds in taxable/tax-advantaged accts?
Replies: 3
Views: 232

Re: Moving from taxable to HSA

Thanks for your response. It is along the lines of what I was expecting, sadly :|
by slbnoob
Thu Jan 02, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from taxable to HSA
Replies: 2
Views: 292

Moving from taxable to HSA

Hi, I follow the advice here on maxing out employer contribution to 401K, maxing out IRAs. Due to extraordinary expenses this year, I did not go back to the 401K and contribute up to the maximum allowed. Instead, I opened a taxable account and bought a small speculative position (minimum) into a VG ...
by slbnoob
Thu Jan 02, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from taxable to HSA
Replies: 2
Views: 292

Re: Fees for Vaugard account?

It is free if you allow electronic (instead of paper) notifications, statements, etc. The $20 fee will not be levied in that case.
by slbnoob
Tue Nov 12, 2013 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fees for Vaugard account?
Replies: 4
Views: 384

Re: House Downpayment Saved...but not buying for 8-12 months

If you do decide to leave it with Ally, you can put it in the 5 year CD for slightly higher APY. The penalty is only 60 days of interest and this pays out after 3-4 months.
by slbnoob
Tue Oct 15, 2013 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: House Downpayment Saved...but not buying for 8-12 months
Replies: 4
Views: 577

Re: Vgpmx down 40%, time to buy?

I have a related thread at Tax efficient placement of VGPMX

Would like some advice on my planned process to hold this position in tax-advantaged space !
by slbnoob
Sun Oct 13, 2013 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Vgpmx down 40%, time to buy?
Replies: 27
Views: 4195

Re: Tax efficient placement of VGPMX

sibnoob wrote: Having learnt the basics of investing from this forum, this fund has no space in my retirement account AA. This is purely a speculative play and I want to see if this gets any far with some extra money. With all due respect, I wonder if you have really learnt the basics because I don...
by slbnoob
Sun Oct 13, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient placement of VGPMX
Replies: 10
Views: 968

Re: Tax efficient placement of VGPMX

In taxable, who cares what a "similar fund" would be for TLH purposes? You would just sell it to book the loss and go on with your life. If you buy this fund in tax-advantage and it drops, you will be really bummed out because there is really no way to have others share your loss like the...
by slbnoob
Sat Oct 12, 2013 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient placement of VGPMX
Replies: 10
Views: 968

Re: Tax efficient placement of VGPMX

**bump for advice**
by slbnoob
Sat Oct 12, 2013 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient placement of VGPMX
Replies: 10
Views: 968

Re: Tax efficient placement of VGPMX

You cannot tax-loss harvest VGPMX if held in a tax-advantage account [easily]. Good point. Though I wonder if I could TLH it at all. What would be a similar fund? However, as of now, I hope to not make a loss :). So assuming even a nominal gain, is plan 2 in my OP workable? Or should I simply go wi...
by slbnoob
Fri Oct 11, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient placement of VGPMX
Replies: 10
Views: 968

Tax efficient placement of VGPMX

I have some small play money with which I want to speculate on VGPMX (Vanguard Precious Metals and Mining Inv) for a relatively short period (get out after some gains, hopefully). It is down nearly 40% YTD. I only have VTSMX, VGTSX and VNQ in my IRA and there is no more space. So, I have the followi...
by slbnoob
Fri Oct 11, 2013 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient placement of VGPMX
Replies: 10
Views: 968

Re: Investing Help with Plan

Since you will be buying the TSM and TISM in taxable accounts, you should wait to buy it after the dividends are declared. This way, your dividend distribution would not be taxed. This is referred to as avoiding "buying the dividend". In a tax sheltered account, dividend distribution shoul...
by slbnoob
Thu Sep 12, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Help with Plan
Replies: 9
Views: 706

Re: Where to stash down payment for 1yr?

+1 for Ally Bank 5 year CD. I recently put in my house buying money into it, with intent of taking it out within a year. Comes out better than the no-penalty CD if the time frame is 3+ months.
by slbnoob
Thu Sep 12, 2013 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to stash down payment for 1yr?
Replies: 6
Views: 891

Re: What to do with shares in ESPP?

Bump. I also want to know about the tax implications of selling the shares as soon as they're received. My company also has the 2 year period from the grant date thing. I do understand that I would want to put in the max 10% of my pay to make this whole affair worth it after the fees, commissions, t...
by slbnoob
Mon Sep 09, 2013 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with shares in ESPP?
Replies: 10
Views: 1039

Re: Ally Bank CDs - why choose anything but 5 year for e-fun

The last page on Ally Bank's deposit agreement has been changed as of September 27, 2012 to state: If we consent to the redemption of a CD or IRA CD prior to the maturity date, we will close the CD and impose a penalty. This issue was discussed by Alan Roth here where he was "assured" that...
by slbnoob
Tue Sep 03, 2013 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CDs - why choose anything but 5 year for e-fund?
Replies: 10
Views: 2258

Re: What can I do if I have a bad 401k plan

I don't know what information you have access to online but check this Northern Trust page . Under "Analysis & Research" click on "Visit Northern Institutional Funds" then "Select A Fund" to find out details about the various funds. You'll see some of them follow a...
by slbnoob
Mon Aug 19, 2013 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What can I do if I have a bad 401k plan
Replies: 10
Views: 711

Re: investing for higher interest

The high exchange rate is good for you if you need to transfer the money anyway for whatever reason. But it is not an obvious strategy if you intend to bring it back to the US in the future. For example, the inflation in India is comparable to the interest rates you just mentioned. No gain there. Wh...
by slbnoob
Mon Aug 19, 2013 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing for higher interest
Replies: 9
Views: 1312

Re: What can I do if I have a bad 401k plan

I don't intend to hijack the thread but I wanted to know others' opinions on another issue while evaluating if a 401K is "bad". Everyone agrees to avoid high ERs. How about the quality of the actual fund and the management running it? How can we better evaluate that? For instance, my megac...
by slbnoob
Mon Aug 19, 2013 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: What can I do if I have a bad 401k plan
Replies: 10
Views: 711

Re: Company Discount Stock Purchase

This thread actually made me consider enrolling in my company's DSPP when it comes up for enrollment end of this year. Though my company only offers 7.5%. They are trading rather high right now and if this continues, I would have to sell almost immediately. I figured I would want to contribute at le...
by slbnoob
Fri Aug 16, 2013 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company Discount Stock Purchase
Replies: 33
Views: 1456

Re: At what age you guys started investing ?

Successful investing is counter-intuitive. Quit market timing now or make the same mistake I did. Best wishes. Taylor Thank you for that list. I read them all. You know which way I'm swinging now. I'll read them all before I leave work so that when I get home I finally do open up the accounts that ...
by slbnoob
Tue Aug 06, 2013 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: At what age you guys started investing ?
Replies: 61
Views: 3501

Re: At what age you guys started investing ?

My dad had opened me a savings account since I was able to sign my name on paper. I've been saving regularly since I started grad school at age 23, since I had an assistant-ship to pay for it. Started investing in 401K as soon as I landed my first job after grad school at age 28, 10 months ago. Howe...
by slbnoob
Tue Aug 06, 2013 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: At what age you guys started investing ?
Replies: 61
Views: 3501

Re: New job, investment help please

Fund selection is good, but I see a starting-up type issue. The max annual contribution to an IRA is $5.5k. But the required initial minimum investment for each of these funds is $3k per fund per account. So with the first year's contribution you will not be able to buy both funds you want initiall...
by slbnoob
Sun Aug 04, 2013 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job, investment help please
Replies: 15
Views: 3312

Re: Asset Allocation Help

One advantage of allocating to the funds separately instead of the TR fund is that those funds become eligible for Admiral shares once they hit $10K each. The ER then goes down substantially. The TR funds don't have Admiral shares. I myself am planning a similar portfolio and have detailed it for ad...
by slbnoob
Sat Aug 03, 2013 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help
Replies: 3
Views: 367

Re: New job, investment help please

So after reading and then reading again everyone's replies and a lot of other posts on this forum, I have decided the following for me and my wife's Roth IRA: His Roth IRA Vanguard Total Stock Market Index Fund Investor Shares (VTSMX, 0.17% ER) 0% Vanguard Total International Stock Index Fund Invest...
by slbnoob
Sat Aug 03, 2013 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job, investment help please
Replies: 15
Views: 3312

Re: investing newbie/medical resident looking for advice

Yes, I have looked at the lifestrategy funds which have the plus side of convenience and autorebalancing. However, its a fixed ER w/ no access to admiral shares. Even if i were to construct the same portfolio as TR 2040 w/ individual funds, I can get access to admiral shares of Total stock US in th...
by slbnoob
Thu Aug 01, 2013 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing newbie/medical resident looking for advice
Replies: 20
Views: 2267

Re: investing newbie/medical resident looking for advice

Hello, I've listed my investment asset allocation below and I was hoping to get your input on how it looks: Roth IRA - 80% stock, 20% bond VTSMX (total US stock) 56% VGTSX (total intl) 24% VBTSX (total bond) 20% Hi, I am also planning a similar AA for my Roth IRA, but slightly more aggressive (90-1...
by slbnoob
Thu Aug 01, 2013 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: investing newbie/medical resident looking for advice
Replies: 20
Views: 2267

Re: New job, investment help please

I really appreciate everyone's help here. What I take out from the conversation so far is: In your IRA you could add a small portion of Vanguard FTSE All-World ex-US Small-Cap ETF (VSS) to make up for that omission in the in the 401k, about 02 - 03% will do that (52% X .79 X .3 X .2 = 2.5%). But tha...
by slbnoob
Tue Jul 30, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: New job, investment help please
Replies: 15
Views: 3312

Re: New job, investment help please

My suggestion would be to use regular mutual funds rather than ETFs to start, and to use broadly diversified funds rather than sector funds when you begin. If you can tell us more exactly whats in that "Aggressively Balanced Fund" in the 401k, like (1) does it include interntional stock, ...
by slbnoob
Mon Jul 29, 2013 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: New job, investment help please
Replies: 15
Views: 3312

Re: New job, investment help please

One question for you: Could you list all of the available funds in your 401K plan and their expense ratios? One specific question is whether any of the balanced funds you've mentioned have any allocation to foreign stocks. I think FNK makes a good point about making the maximum deductible contribut...
by slbnoob
Mon Jul 29, 2013 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: New job, investment help please
Replies: 15
Views: 3312

Re: New job, investment help please

If you have a strong stomach, and given your age, it would be advisable to: 1) Max out your 401 contribution ($17.5K). 3) Not touch anything until you read a Boglehead book or two. I am really not keen to max out my 401 (currently, 6% will make it $6K annually). Given the lack of choices in my 401K...
by slbnoob
Mon Jul 29, 2013 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: New job, investment help please
Replies: 15
Views: 3312

Re: Beginner investment (ETF) plan/advise

Thanks for responding. You have made me really consider my position here. I have now made a new post here following the forum guidelines for personal assistance. Please consider advising me after reading through the info over there. In the absence of further knowledge/experience, I may begin with so...
by slbnoob
Fri Jul 26, 2013 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner investment (ETF) plan/advise
Replies: 7
Views: 541
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