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Re: I don't understand whether there are costs to rebalancin

One way to mitigate the issue would be to not re-invest dividends and accumulate them to purchase the index you need more of.
by user5027
Wed Apr 16, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't understand whether there are costs to rebalancing
Replies: 16
Views: 1138

Re: Post earthquake rebuilding fund (CA bay area resident)

I Shares WOOD. It will spike after the big one. :sharebeer
by user5027
Wed Apr 02, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Post earthquake rebuilding fund (CA bay area resident)
Replies: 3
Views: 293

Re: Is it ethical to put this on your resume?

When I first heard that HR professionals are using screening software to filter resumes I told my son to list leisure activities on his résumé; walking through HARVARD and STANFORD squares. :twisted:
by user5027
Thu Mar 20, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ethical to put this on your resume?
Replies: 27
Views: 2857

Re: No Foreign Transaction Fee, No Annual Fee

Capital One and Discover.
by user5027
Wed Mar 12, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fee, No Annual Fee
Replies: 24
Views: 1428

Re: Customer service - Vanguard vs Fidelity

I've only had to call Vanguard a few (maybe 3) times. I've never had an issue with the service and they were always professional.
by user5027
Sat Mar 08, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Customer service - Vanguard vs Fidelity
Replies: 80
Views: 6590

Re: Safest Way to Send Money to IRS?

Brinks. :oops:

But I usually send a check by pony express via Istanbul. Love the float! :beer
by user5027
Sat Mar 08, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Safest Way to Send Money to IRS?
Replies: 35
Views: 1580

Re: IRAs

May be a dumb question but here goes nothing! Can you contribute $5,500 to a Roth and $5,500 to a traditional IRA in the same year? Thanks! Maybe this is a trick question. You can do it the same year but they cannot be for the same year. Currently you can contribute for 2014 and you can also contri...
by user5027
Tue Mar 04, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRAs
Replies: 6
Views: 360

Re: Negative air pressure?

Negative air pressure is used when sandblasting a bridge for painting. Older paints contained lead and poses a hazard when being removed. The structure is enclosed by a containment system and the air is sucked out of the containment and filtered. Negative air prevents the dust from escaping unfilter...
by user5027
Sat Mar 01, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Negative air pressure? [Room ventilation]
Replies: 16
Views: 754

Re: Negative air pressure?

My thought is the bedroom doors are not air tight enough to cause an issue.
by user5027
Sat Mar 01, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Negative air pressure? [Room ventilation]
Replies: 16
Views: 754

Re: Verizon wireless to T-Mobile

Do you know anyone on T-Mobile? See if they can let you check if their service is good for your locations. We just switched from T-Mobile to Verizon Wireless. We mainly switched for the service. Verizon is better in general and especially if there is a wide spread power outage. We live in an area th...
by user5027
Wed Feb 26, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Verizon wireless to T-Mobile
Replies: 11
Views: 615

Re: Canceling Verizon Service

Which Verizon?

I just switched from T-Mobile to Verizon Wireless. Went to a Verizon Wireless store to pick the plan and phones. They ported the numbers and set up the phones (transferred the contacts). New phones were working and old phones were off before we walked out.
by user5027
Tue Feb 25, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Canceling Verizon Service
Replies: 18
Views: 1684

Re: The role of a construction manager

Construction Managers manage the construction. :D

They work for the owner of the project, help select and coordinate the contractors but share in none of the risk.
by user5027
Sat Feb 22, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: The role of a construction manager
Replies: 8
Views: 530

Re: First Roth IRA

Have you considered a traditional IRA? At the 15% rate whatever you contribute up to the pre-tax maximum, only costs you 85%. The other 15% is funded by the IRS.
by user5027
Tue Feb 18, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Roth IRA
Replies: 18
Views: 1214

Re: IRA contributions & tax impact

Yes.

I also look at the deduction from today's taxable income as a match from the taxman. If you contribute $5,000 to an ira and your tax rate is 30%, it only "costs" you $3,500 and the taxman matches with $1,500.
by user5027
Sun Feb 16, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: IRA contributions & tax impact
Replies: 19
Views: 730

Re: Simple tax questions (I hope)

Charitable gifts of $250 or more do not require a separate form. You must have a letter from the charity acknowledging the gift and that you received no goods or services in return for your gift.

An audit will require receipts, cancelled checks or credit card statements to document all gifts.
by user5027
Tue Feb 11, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple tax questions (I hope)
Replies: 6
Views: 665

Re: Fujitsu Scansnap (portable) - worth it to upgrade to big

I have had good luck with this model at my office... http://www.newegg.com/Product/Product.aspx?gclid=CM6Nwa-dxbwCFbB9OgodCBwA2g&Item=N82E16838115095&nm_mc=KNC-GoogleAdwords&cm_mmc=KNC-GoogleAdwords-_-pla-_-Document+Scanners-_-N82E16838115095&ef_id=UqD3tQAABcZEu6rY:20140211233003:s $...
by user5027
Tue Feb 11, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Fujitsu Scansnap (portable) - worth it to upgrade to bigger?
Replies: 9
Views: 701

Re: Websites similar to Mint and Personal Capital

Yahoo Finance allows you to track your portfolio just as you describe.
by user5027
Tue Feb 11, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Websites similar to Mint and Personal Capital
Replies: 4
Views: 497

Re: the sky is about to fall!

Remind me to buy on March 31st. :beer
by user5027
Tue Feb 11, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: [MarketWatch: Scary 1929 market chart gains traction]
Replies: 43
Views: 4425

Re: Strange Home Rental Situation

I would move on.
by user5027
Tue Feb 11, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Strange Home Rental Situation
Replies: 23
Views: 1891

Re: becoming a snowbird

+2 on Swampy and jcpt

Rent for a season or two first before considering a purchase.
by user5027
Tue Feb 11, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: becoming a snowbird
Replies: 21
Views: 3295

Re: How can I purchase vanguard ETF with mutual fund?

You should be able to buy the etf in the brokerage account. The funds will sweep in from the prime money market fund. When you sell they will sweep back.
by user5027
Wed Jan 29, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: How can I purchase vanguard ETF with mutual fund?
Replies: 7
Views: 406

Re: Cheap Flights to Europe, where do you find them?

I recall that years ago, sometime in the late 1980's and thru the 1990's, there were a couple of outfits which offered you airfares to various destinations, incl Europe, for free or a very nominal amount in exchange for giving up your baagage allowance in exchange of carrying clients' stuff, e.g. d...
by user5027
Wed Jan 22, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Flights to Europe, where do you find them?
Replies: 43
Views: 3064

Re: Cheap Flights to Europe, where do you find them?

I've heard you want to book international flights 11 to 12 weeks ahead to catch lowest fare.

http://articles.chicagotribune.com/2013 ... st-tickets
by user5027
Tue Jan 21, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Flights to Europe, where do you find them?
Replies: 43
Views: 3064

Re: How do you buy a toy car?

When I saw the title of this topic I was thinking Toys-R-Us.

I see that is not the toy$ you are discussing. :happy
by user5027
Tue Jan 21, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: How do you buy a weekend car?
Replies: 18
Views: 1641

Re: unknown credit cards on my credit report

rkhusky wrote:Sometimes when you buy something on credit, i.e. "no payment for 6 months", it shows up like a credit card.


+2

Bought a John Deere lawn tractor this way and it appeared on my credit report.
by user5027
Thu Jan 16, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: unknown credit cards on my credit report
Replies: 21
Views: 1358

Re: Car insurance - hail claim - challenge $$ or deposit the

Take it to a body shop and get an estimate. There is another thread about diminished value. May not be applicable in your state. How picky is your daughter? Obviously this situation is not her fault but this discussion reminds me of a friend that would not repair all the dents and dings his children...
by user5027
Thu Jan 16, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Car insurance - hail claim - challenge $$ or deposit the che
Replies: 1
Views: 259

Re: How do you "Stay the Course"?

Ear plugs to block the noise.
by user5027
Tue Jan 14, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 52
Views: 3214

Re: Mortgage Paid Off - NEXT STEPS

I would call your city/county. It can vary. In our county it is the Recorder of Deeds.
by user5027
Sun Jan 12, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Paid Off - NEXT STEPS
Replies: 17
Views: 1767

Re: Microsoft Office 2013 problems

Check how the doc and xls files are associated with programs to be opened with. Right click on a file and go to properties. Look for "opens with." See if it is correct version and if not see if you can change.
by user5027
Sat Jan 11, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Microsoft Office 2013 problems
Replies: 10
Views: 612

Re: The Winter Blahs

Read Bogleheads. :D
by user5027
Fri Jan 10, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 2980

Re: Mt. Snow Vermont Grand Summit

Sounds like a timeshare. I have never been a fan of timeshares.
by user5027
Thu Jan 09, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Mt. Snow Vermont Grand Summit
Replies: 1
Views: 332

Re: How much life insurance should you carry when retired

Needs are personal and unique. We had a term policy on my wife (stay at home Mom) to cover the cost of childcare. Once the children were grown, we decided to let it lapse. I called the agent to let him know our plans and he asked me one question. "How is your wife's health?" I am approachi...
by user5027
Tue Jan 07, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should you carry when retired
Replies: 47
Views: 2183

Re: Heating sources for conventional loan

The only heating source for our small home (1154sf) was a 2000sf capacity wood stove. It would most certainly heat the home well enough to have every room 50F. +1 to Watty who posted while I was drafting... With only a wood stove, what were you going to do to maintain heat while you were away for a...
by user5027
Tue Jan 07, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Heating sources for conventional loan
Replies: 29
Views: 1033

Re: Buying/Selling at the same time, when is best?

Thanks for your reply. So if I wait til the market goes up to sell my house/buy a new house, interest should be cheaper? Not should be. Supply and demand drives the market. I think back to the last run up in housing. It was fueled by cheap interest. People look at the monthly payment. With a low ra...
by user5027
Tue Jan 07, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Buying/Selling at the same time, when is best?
Replies: 14
Views: 758

Re: Buying/Selling at the same time, when is best?

Fieldsy1024 wrote:Hello,
Should I wait until the market goes up, and if that happens the interest rate will surely go up as well?


I disagree in fact the opposite happens. Cheap mortgages will (and did) take the pressure off house prices.
by user5027
Tue Jan 07, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Buying/Selling at the same time, when is best?
Replies: 14
Views: 758

Re: Credit Reporting

I heard Discover will be providing the FICO credit score on your monthly statement for free. Only their new "It" card at this time as far as I know. From Discover's FAQ... Why didn't I see my FICO® Credit Score on my statement? Discover is rolling out the free FICO® Credit Score benefit t...
by user5027
Sun Jan 05, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Reporting
Replies: 19
Views: 917

Re: Cheap and best MVNO for Nexus 5

For others like me... MVNO = mobile virtual network operator. from wikipedia... is a wireless communications services provider that does not own the wireless network infrastructure over which the MVNO provides services to its customers. An MVNO enters into a business agreement with a mobile network ...
by user5027
Sun Jan 05, 2014 6:26 am
 
Forum: Personal Consumer Issues
Topic: Cheap and best MVNO for Nexus 5
Replies: 8
Views: 1348

Re: Advice on what to do with old employers 401k

The new plan offers Vanguard Institutional funds, which you won't be able to buy if you strike out on your own. The ER differential for Total Stock Market, for example, is really only an issue if you'll be Investor Class (0.17) rather than Admiral (0.05) -- (vs. 0.04 for Institutional) You can open...
by user5027
Sat Jan 04, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on what to do with old employers 401k
Replies: 8
Views: 472

Re: What did you do with unwanted baby gear?

It was 25 years ago but we handed the stuff around to my wife's three siblings' families. We were all having children and passing it back and forth. The superstition was to keep the bassinet stored in your house for as long as possible after you were done with it. As soon as you passed it along you ...
by user5027
Sat Jan 04, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1227

Re: Advice on what to do with old employers 401k

I would roll it into an IRA that I control at Vanguard.
by user5027
Sat Jan 04, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on what to do with old employers 401k
Replies: 8
Views: 472

Re: Credit Reporting

I heard Discover will be providing the FICO credit score on your monthly statement for free. https://www.discovercard.com/cardmembersvcs/acqs/app/display?gclid=CN_G3vzB5bsCFVLxOgodcRsAeA&pageFileId=paidsearch-creditscore&sc=KB49&iq_id=r19478998141&CMPGNID=ps-dca-google-brand&kwid...
by user5027
Sat Jan 04, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Reporting
Replies: 19
Views: 917

Re: Credit Reporting

They won't give me copies of all 3 reports from the 3 bureaus unless I pay nearly $33, since apparently, I accessed *1* of the 3 last winter, so I guess that means the other 2 are hostage to $33. BFG You are allowed all 3 for free each year. Drop the one you already got from your request. They shou...
by user5027
Sat Jan 04, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Reporting
Replies: 19
Views: 917

Re: Children and education expensess

I am sure you will be able to find some way to equal things out over their lifetimes.
by user5027
Fri Jan 03, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children and education expensess
Replies: 12
Views: 508

Re: Paid off our mortgage, what are our next steps?

Pop the champagne! Congratulations!!

I recall getting the original mortgage marked "Satisfied" or something along those lines. In our area the bank also needs to notify the county recorder of deeds so the lien is removed.
by user5027
Fri Jan 03, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our mortgage, what are our next steps?
Replies: 6
Views: 1131

Re: Investing in a food truck

Food truck is a cash business it seems to me. Every cash business has ways of making money "disappear" especially if you trust any business partners. +1 That's probably accurate, but FWIW, I'd bet the majority of sales at "upscale" food trucks (the ones with the wrapping and all...
by user5027
Fri Jan 03, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2344

Re: Investing in a food truck

livesoft wrote:Food truck is a cash business it seems to me. Every cash business has ways of making money "disappear" especially if you trust any business partners.


+1
by user5027
Fri Jan 03, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing in a food truck
Replies: 24
Views: 2344

Re: How much life insurance?

Don't get too much, only what you need. You want to be worth more alive to your wife. Don't want to see your demise on 20/20 or Dateline, if you now what I mean. :twisted: My wife always makes a crack about calling our agent to check on my policy before I go on the roof to clean the chimney! :oops:
by user5027
Fri Jan 03, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 19
Views: 1132

Re: Can't rebalance-help with new plan

DVMResident wrote:Hello Forum,

Is there any harm is using multiple target date/life cycle funds trying to match desired stock/bond split and rebalancing by moving up and down the "date"?



No. Sounds like it will suit your needs.
by user5027
Fri Jan 03, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't rebalance-help with new plan
Replies: 5
Views: 314

Re: Help! Grandson, age 11, wants to learn investing, buy st

This brings back memories. I was just recalling the other day that when I was 12 I became interested in the stock market and wanted to invest some of my savings. My dad took me to meet his stock broker.
by user5027
Fri Jan 03, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! Grandson, age 11, wants to learn investing, buy stocks
Replies: 25
Views: 1519

Re: Spending money abroad

Get a Discover and a Capital One Visa. Both have no foreign transaction fee.
by user5027
Fri Jan 03, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Spending money abroad
Replies: 46
Views: 2370
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