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Re: Please help with 401k Allocations (New job, poor options

Most 401k plans waive the loads but your funds seem fairly bad and that might not be the case. No one hasked about the stable value fund .These normally offere a fixed rate for at leasta 6 month or one year period and if that rate is say 3% it could bea good choice provided that you are invested ou...
by tjstogner
Sat Feb 22, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocations (New job, poor options)
Replies: 14
Views: 750

Re: Please help with 401k Allocations (New job, poor options

Find out if loads are waived for your 401k. How do I find that out? I looked in my 401k book that was provided, there was no mention of load fees. I would not move your old 401k into this account. Either leave it where you have it or roll it into an IRA at Vanguard. By using the one fund I mentione...
by tjstogner
Sat Feb 22, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocations (New job, poor options)
Replies: 14
Views: 750

Re: Please help with 401k Allocations (New job, poor options

Thanks for the replies so far. Does anyone else have some input ?
by tjstogner
Sat Feb 22, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocations (New job, poor options)
Replies: 14
Views: 750

Re: Please help with 401k Allocations (New job, poor options

Laura wrote:You might also consider using just one fund. Oppenheimer Portfolio Active Alloca. Fund (1.41) could possibly fit the bill.
Laura


Thanks Laura, I will definitely look into it.
by tjstogner
Fri Feb 21, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocations (New job, poor options)
Replies: 14
Views: 750

Re: Please help with 401k Allocations (New job, poor options

I would go: Oppenheimer Main Street Fund - 40% Oppenheimer Main Street Sm & Mid Cap Fund - 40% Invesco Global Health Care fund - 20% EDIT: Didn't realize the international ones were all A funds, don't do those. Thanks for your advice. Hopefully one day after being in the company for some time I...
by tjstogner
Fri Feb 21, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocations (New job, poor options)
Replies: 14
Views: 750

Please help with 401k Allocations (New job, poor options)

Starting new job, but 401k options are all high ER's. Where would you direct your funds and at what percentages if you were me? Thank you so much for your help in advance. Age: 26 Desired Asset allocation: 90/10 Current portfolio: $18k from previous 401k Funds available in Oppenheimer based 401k: St...
by tjstogner
Fri Feb 21, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocations (New job, poor options)
Replies: 14
Views: 750

Best place to get inexpensive glasses

My sister needs new glasses and asked me the best place to get inexpensive glasses. I don't wear them, so I figured I'd ask here on the forums. She's 19 and doesn't have vision insurance, what would you recommend she do? Thanks
by tjstogner
Thu Jul 04, 2013 3:07 am
 
Forum: Personal Consumer Issues
Topic: Best place to get inexpensive glasses
Replies: 15
Views: 1716

Re: What should I reply to my HR Dept?

Thanks everyone for the great replies! It sounds like I should just leave it alone..
by tjstogner
Mon Jun 24, 2013 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should I reply to my HR Dept?
Replies: 12
Views: 1661

Re: What should I reply to my HR Dept?

livesoft wrote:What are the international funds available in your plan?


FID WORLDWIDE (FWWFX) 1.11%
HARBOR INTL INV (HIINX) 1.15%
MATTHEWS PAC TIGER (MAPTX) 1.11%

PS Thanks for the funny story :beer
by tjstogner
Fri Jun 21, 2013 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should I reply to my HR Dept?
Replies: 12
Views: 1661

Re: What should I reply to my HR Dept?

TRC wrote:I would delete this post if I were you. At least her emails.


Is it that big of a deal..? I will if it is..
by tjstogner
Fri Jun 21, 2013 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should I reply to my HR Dept?
Replies: 12
Views: 1661

Re: Whart smartphone should I get?

Just get the iPhone. Apple's products are always industry standard in terms of quality, and everything else for that matter. Samsung is the South Korean company that wants to be better than the American company by copying the iPhone in every way.
by tjstogner
Fri Jun 21, 2013 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 110
Views: 22505

Most affordable Individual insurance plan?

I don't want to go full time at one of my jobs, but need health insurance. Received a letter from Cobra, which would cost $6000 a year out of pocket :moneybag :oops: What are my other alternatives? I just need basic healthcare and dental.
by tjstogner
Fri Jun 21, 2013 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most affordable Individual insurance plan?
Replies: 4
Views: 411

What should I reply to my HR Dept?

I've been trying for my HR dept to add a fund to the Fidelity 401k list of funds, which already include good spartan options... however not a good international option. So, I've been requesting the Spartan International ex-US fund to be added for about a year now. Here are some of the emails she sen...
by tjstogner
Fri Jun 21, 2013 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should I reply to my HR Dept?
Replies: 12
Views: 1661

Commission free alternative to fidelity's ACWX...

Hello, I recently noticed that fidelity started charging $7.95 for trading ACWX... the whole appeal to it previously was that it was commission free. Are there any alternatives through fidelity? Thanks
by tjstogner
Tue May 14, 2013 3:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Commission free alternative to fidelity's ACWX...
Replies: 2
Views: 247

Re: Bank question

I use Ally for my savings, and the local credit union for checking. Hassle free. If I need the money from Ally, I just transfer it into my checking account, which takes a couple of days. It makes it easier for me to keep my hands out of the cookie jar.
by tjstogner
Thu Feb 07, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank question [Online or Brick and Mortar?]
Replies: 19
Views: 2101

Re: Would you buy a previous loaner vehicle?

I rarely drive like an idiot. However, the one time I had a loaner vehicle I made sure to mess around as much as possible. (i.e. burnouts, pulling on the e brake, just in general driving like a jerk in empty parking lots) Based on my own experiences, I would never purchase a loaner car. The driver h...
by tjstogner
Wed Jan 02, 2013 4:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a previous loaner vehicle?
Replies: 9
Views: 970

Tax advisor question..

Is one better than another? If so, how do I find he/she? How do I ensure that I am getting all that I am entitled to?
by tjstogner
Fri Dec 21, 2012 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax advisor question..
Replies: 17
Views: 1109

Re: Free monthly credit report viewing ?

annualcreditreport.com is the website to go to, once a year to get all 3. creditkarma, uses transunion to calculate your score, and you can update it daily creditsesame, uses experian, and you can update it once a month http://en.wikipedia.org/wiki/Comparison_of_free_credit_report_websites I use all...
by tjstogner
Sun Dec 16, 2012 1:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Free monthly credit report viewing ?
Replies: 10
Views: 1722

Re: Should I apply for a Amex Blue Cash Everyday card?

I got the amex BCE and the Fidelity Amex 2% at around the same time. I use my 2% for everything, because it goes right into my roth ira. Haven't used the BCE ever since, though I carry it as a backup. If you do chose to go with BCE make sure you find out if they have any sign up bonuses. I received ...
by tjstogner
Fri Dec 14, 2012 1:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I apply for a Amex Blue Cash Everyday card?
Replies: 14
Views: 2949

Where to put money beyond emergency fund?

I hope you guys can recommend me a strategy. I am 25 years old. I have $12k saved in an emergency fund in ally, earning 0.95%. 33% of each paycheck goes there. I only need $10k for the emergency fund, so anything in addition to this, would go toward my goals... i.e. house downpayment in 10 years. I ...
by tjstogner
Sat Dec 01, 2012 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Where to put money beyond emergency fund?
Replies: 4
Views: 882

Re: NetFlix vs Amazon Prime vs Hulu Plus

After figuring out that I only watch a couple tv shows (the daily show..) and some movies, I decided to get rid of cable completely. I've been living with Hulu plus and Netflix for about 2 years now, and instead of $130/month, it's $50 for internet, and $8 a piece for netflix and hulu. All the new t...
by tjstogner
Tue Nov 27, 2012 3:06 pm
 
Forum: Personal Consumer Issues
Topic: NetFlix vs Amazon Prime vs Hulu Plus
Replies: 40
Views: 10536

Are there any other finance forums?

Besides bogleheads, do you guys recommend any other finance forums? I've seen fatwallet mentioned before, just wondering if there was anything I was missing.
by tjstogner
Tue Nov 27, 2012 6:19 am
 
Forum: Investing - Theory, News & General
Topic: Are there any other finance forums?
Replies: 7
Views: 1477

Re: Fidelity Amex question

I just signed up for this card and got it in the mail but was disappointed to see such a low initial credit limit. I called customer service to try to raise it and the rep said I should wait at least a month or two or else I'll get dinged since I was just very recently approved for said limit. Can ...
by tjstogner
Tue Nov 20, 2012 1:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Amex question
Replies: 25
Views: 2616

Fidelity Amex question

Being that it is issued by FIA (bank of america), what does AMEX actually have to do with this card? My concerns are the benefits of AMEX, such as great chargeback protection, warranty protection, etc, instead will be a hassle to report a claim if need be.
by tjstogner
Mon Nov 19, 2012 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Amex question
Replies: 25
Views: 2616

Re: Credit score for a mortgage?

annualcreditreport.com, you will get all three bureaus for free, once annually
by tjstogner
Thu Nov 15, 2012 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit score for a mortgage?
Replies: 16
Views: 1374

Re: Seeking opinions on Ally Bank

I just switched from ING to Ally, and I like it better. 24/7 live customer service, daily interest accrued (instead of monthly..), and higher interest rate (0.95%). You can still have savings 'buckets' like with ING. Money magazine last month named them the best online savings bank. a couple additio...
by tjstogner
Sat Nov 10, 2012 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Seeking opinions on Ally Bank
Replies: 16
Views: 2716

Should I become a real estate broker ??

An Indian friend of mine would like to involve me in a business venture, selling real estate. However, although proficient in sales, neither one of us have any of the experience or licensing necessary. The goal is to start with residential, but ideally to be working with corporate real estate, not o...
by tjstogner
Thu Nov 08, 2012 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become a real estate broker ??
Replies: 1
Views: 337

Re: Death to ING Banking.... dang you Capital one....

I just switched from ING to Ally, and I like it better. 24/7 live customer service, daily interest accrued (instead of monthly..), and higher interest rate (0.95%). You can still have savings 'buckets' like with ING. Money magazine last month named them the best online savings bank. Edit: a couple a...
by tjstogner
Thu Nov 08, 2012 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death to ING Banking.... dang you Capital one....
Replies: 46
Views: 8917

What percentage of your money do you save?

EXCLUDING retirement savings, what percentage of your money goes to regular savings every month, and why? (regular savings for vacation, emergencies, presents, downpayments, etc etc)
by tjstogner
Sat Oct 20, 2012 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your money do you save?
Replies: 24
Views: 3070

Re: I ditch Bank of America :-)

BoA is the devil. I hope they go the way of the dodo bird. For online savings I use ING... never had a problem. Direct deposit goes right in, and interest is earned at the end of each month (0.8%). They have the "take a picture of a check and deposit it" function.... and their smartphone a...
by tjstogner
Tue Oct 16, 2012 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3903

Re: Cash Back Reward Credit Cards

The BEST cash back card, is the PENFED visa platinum rewards card... 5% on gas, 3% supermarket, 1% everything else...no annual fee, but you need EXCELLENT credit history to be considered. I will get one once I can (they are very selective) You don't have to be in the military to get one, do a searc...
by tjstogner
Tue Oct 16, 2012 1:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash Back Reward Credit Cards
Replies: 55
Views: 5004

Re: Cash Back Reward Credit Cards

I just got the AMEX Blue cash everyday card... no annual fee, 3% supermarkets, 2% gas (and specific stores like kohls, sears..) and 1% back on everything else. It seems to be one of the best cards in the market for cash back, and if you have a family I would consider the preferred version, which giv...
by tjstogner
Mon Oct 15, 2012 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash Back Reward Credit Cards
Replies: 55
Views: 5004

Re: Online banks

Why don't you keep your checking at a local credit union?
by tjstogner
Wed Oct 10, 2012 3:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Online banks
Replies: 12
Views: 2191

Re: Amex Blue Cash Everyday VS Amex Fido 2% cash back...

What I'm considering doing, is using the BCE card for 6 months and having AMEX change my card to the Fido variety. Not sure if you will be able to do that. The Fidelity Amex card is actually a FIA Card Services Card. (Part of Bank of America). It's not a true American Express Card. I hate Bank of A...
by tjstogner
Wed Oct 03, 2012 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Blue Cash Everyday VS Amex Fido 2% cash back...
Replies: 40
Views: 10203

Amex Blue Cash Everyday VS Amex Fido 2% cash back...

After applying, and getting declined TWICE in the past year for the Fidelity 2% cash back, I decided to apply for the amex blue cash everyday card. I got approved. Not sure why I got declined for Fido and approved for BCE.... (my credit score is ~740) My question is, which is the better card? What I...
by tjstogner
Wed Oct 03, 2012 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Blue Cash Everyday VS Amex Fido 2% cash back...
Replies: 40
Views: 10203

Re: So I just inherited $15,000...

Thanks for all of the insightful replies! Paying off the car, tomorrow. Then I will be debt-free!
by tjstogner
Tue Sep 18, 2012 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: So I just inherited $15,000...
Replies: 27
Views: 3826

What's the best way to "ladder" an emergency fund?

What is the common way of doing it around here?
by tjstogner
Mon Sep 17, 2012 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the best way to "ladder" an emergency fund?
Replies: 13
Views: 3438

So I just inherited $15,000...

I have an outstanding auto loan ~$8100 and the loan is about 5%. I recently depleted my savings. My first instinct was to pay off the car in full, and put the difference in my savings account. Wondering if I should do that, or if I should put the full amount into the savings account and continue mak...
by tjstogner
Mon Sep 17, 2012 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: So I just inherited $15,000...
Replies: 27
Views: 3826

Re: Best online savings account in 2011?

I have ING and I like the interface, however, they have .80% apy, and other online banks are currently around 1.00% - 1.25%.... to me that's a bit unacceptable being that everyone is so low already, at least they should be like gas prices (competitors are maybe a penny difference). I would look for ...
by tjstogner
Fri Sep 14, 2012 2:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Best online savings account in 2011?
Replies: 37
Views: 5855

Re: Beginner Credit Card Question

The more advantageous of the two options you pose, would be option 2. Closing a credit line increases your debt to credit ratio (a bad thing). Closing a credit card is a bad idea if a good credit score is the goal. Yes, it will recover eventually, but so what. Just keep the credit line open. The &qu...
by tjstogner
Tue Aug 28, 2012 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Beginner Credit Card Question
Replies: 5
Views: 486

Re: At what age did you start investing?

Started at age 23 when employer automatically started putting 3% into 401k. Discovered they matched to 6%, started reading about it, and have since added a Roth ira. I'm now 25 and have accumulated about 10k in total and am very pleased :sharebeer
by tjstogner
Tue Aug 21, 2012 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: At what age did you start investing?
Replies: 87
Views: 8873

Re: Poll: When did you 1st learn about a Roth IRA?

When I read a Suze Orman book in 2004... at least I'm being honest :beer
by tjstogner
Fri Aug 17, 2012 3:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Poll: When did you 1st learn about a Roth IRA?
Replies: 54
Views: 6827

Why 20% in bonds?

Why is this *the* number for younger age groups? Why not 10% or 15% or 25%? How did they arrive at 20%?
by tjstogner
Wed Jul 04, 2012 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Why 20% in bonds?
Replies: 34
Views: 4026

Should I request a higher match for 401k?

After contacting the benefits manager who seemed to be eager to help with anything, I got to thinking... my company matches 35% up to 6%...which isn't horrible, but typically companies match at least 50% and sometimes up to the full match. Would it be worth sending and email and if so how should it ...
by tjstogner
Tue Jun 26, 2012 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I request a higher match for 401k?
Replies: 3
Views: 559

Re: Would you ever be a financial adviser?

Tell us about your qualifications/training/experience that make you feel qualified to take over this business. I'm just curious. I would not take this opportunity myself because I would rather do/be something else for higher pay. As of now, just interested. This would be in 5 years, when he retires.
by tjstogner
Mon Jun 25, 2012 11:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you ever be a financial adviser?
Replies: 10
Views: 923

Would you ever be a financial adviser?

I have an opportunity to take over my fathers book in the future (he is a financial adviser). He mostly deals with variable annuities, and is commission based. His income is approximately $100k/yr. I know they are frowned upon on these forums and in finance books, but if you had this kind of opportu...
by tjstogner
Mon Jun 25, 2012 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you ever be a financial adviser?
Replies: 10
Views: 923

Re: Saving for a house in 10 years. What funds do I use?

I asked a similar question here and the popular advice is I Bonds, which are currently yielding poor (but guaranteed) returns. In John Bogles book he recommends anything UNDER 10 years should not be in the stock market, which implies that AT 10 years, why not. I still don't quite understand why it s...
by tjstogner
Mon Jun 25, 2012 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a house in 10 years. What funds do I use?
Replies: 4
Views: 823

Re: one child inherited, the other didn't

The kids IMO should receive equal amounts, whether now or later. If first child has x amount to attend college at 18, second child should have same amount at age 18. What school they attend is their choice, at least they can't argue about favoritism. :beer I say, if you have to take some from first ...
by tjstogner
Fri Jun 08, 2012 4:17 am
 
Forum: Personal Finance (Not Investing)
Topic: one child inherited, the other didn't
Replies: 72
Views: 4608
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