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Re: Free Investing Books

Fyi Bewitched COmplete Seasons are priced $0.00 right now. Maybe it's a mistake. Don't know. http://www.amazon.com/dp/B001Q5JXHE/ref=nosim/?ascsubtag=FWbsiipf&tag=fatwalletcom&linkCode=as1 i think it says 0 because you actually can't buy the season. i clicked on season and won't work I boug...
by xram
Sun May 19, 2013 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Free Investing Books
Replies: 15
Views: 692

Re: Free Investing Books

Fyi
Bewitched COmplete Seasons are priced $0.00 right now.
Maybe it's a mistake. Don't know.

http://www.amazon.com/dp/B001Q5JXHE/ref ... nkCode=as1
by xram
Sun May 19, 2013 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Free Investing Books
Replies: 15
Views: 692

Free Investing Books

Has anybody used these? List of free amazon kindle investing books. http://www.amazon.com/s/ref=sr_nr_n_7?rh=n%3A133140011%2Cn%3A%21133141011%2Cn%3A154606011%2Cp_36%3A0-0%2Cn%3A154821011%2Cn%3A154940011&bbn=154821011&hidden-keywords=-domain+-breakthrough+English&ie=UTF8&qid=136078391...
by xram
Sun May 19, 2013 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Free Investing Books
Replies: 15
Views: 692

Re: UTAH 529 Plan versus other options

NY 529 question

https://www.nysaves.com/nytpl/fundperfo ... Perform.do

So you Can you mix and match the different Individual portfolios?

They All have 0.17% ERs.

Thanks
Xram
by xram
Sun May 19, 2013 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: UTAH 529 Plan versus other options
Replies: 10
Views: 307

Re: How much do you spend on the Lottery?

Mrs.Feeley wrote:Zero. There's no difference between playing the lottery and giving money away.


I get your point but technically not true.

There is a very very very small chance of a big return on the "investment."

Ask that person in Florida.

thanks
by xram
Sun May 19, 2013 7:46 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on the Lottery?
Replies: 61
Views: 1544

Re: Netflix?

Very much worth it for my family.

Have two little ones.

They can watch cartoons etc anytime we want.

Our new TVs have a built in Netflix app.

Works via Wi-FI.

Messes up once in a while.

Not often.

8 bucks a month....hard to go wrong.

Good Luck
by xram
Sun May 19, 2013 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Netflix?
Replies: 42
Views: 1550

Re: New To Taxable Investing - Start With ETFs?

Hello. Here are a few links to get started. I am not one of the "experts" on here, but I think these links are pretty useful. At least they were for me. Good Luck. Really good short introduction videos to Boglehead Philosophy http://www.bogleheads.org/wiki/Video:Bo ... philosophy Page rega...
by xram
Sun May 19, 2013 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: New To Taxable Investing - Start With ETFs?
Replies: 18
Views: 696

Re: How much do you spend on the Lottery?

I spent 20 bucks.

I did not win.

I rarely play the lottery.

Maybe 2-3 times per year.

And only when the value gets crazy high and I hear folks start talking about it.

I am not against gambling.

I would love to find a weekly or bi-weekly poker game in my "new" town.

good luck

xram
by xram
Sun May 19, 2013 7:26 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on the Lottery?
Replies: 61
Views: 1544

UTAH 529 Plan versus other options

A year or two ago I researched all the 529s and ended up going with the UTAH 529 plan. My expense ratio is 0.258%. Have not been contributing much to it. Will start contributing significantly more in very near future. Really do not feel like doing all the research over again. WIll not qualify for my...
by xram
Sun May 19, 2013 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: UTAH 529 Plan versus other options
Replies: 10
Views: 307

Re: Help with retirement- 401k plan

Hello. Here are a few links to get started. I am not one of the "experts" on here, but I think these links are pretty useful. At least they were for me. Good Luck. Really good short introduction videos to Boglehead Philosophy http://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment...
by xram
Sun May 19, 2013 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with retirement- 401k plan
Replies: 5
Views: 366

Re: Just Getting Started

Hello. Here are a few links to get started. I am not one of the "experts" on here, but I think these links are pretty useful. At least they were for me. Good Luck. Really good short introduction videos to Boglehead Philosophy http://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment...
by xram
Sun May 19, 2013 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Getting Started
Replies: 8
Views: 380

Re: Who is the next Jack Bogle?

I guess if you would ask who is the next Jack Bogle, you might have to accept that Jack Bogle was possibly the next to someone else. I think that all great men stand on the shoulders of giants, not in their shadows. That said, I nominate Gus Sauter. Keith Never heard of this Gus character. Now the ...
by xram
Sun May 19, 2013 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Who is the next Jack Bogle?
Replies: 18
Views: 1566

Re: Getting Serious About Getting Investing Right

Hello. Here are a few links to get started. I am not one of the "experts" on here, but I think these links are pretty useful. At least they were for me. Good Luck. Really good short introduction videos to Boglehead Philosophy http://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment...
by xram
Sun May 19, 2013 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting Serious About Getting Investing Right
Replies: 6
Views: 464

Re: Help with funds.

Hello. Here are a few links to get started. I am not one of the "experts" on here, but I think these links are pretty useful. At least they were for me. Good Luck. Really good short introduction videos to Boglehead Philosophy http://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment...
by xram
Sun May 19, 2013 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with funds.
Replies: 10
Views: 447

Re: How much do you spend on the Lottery?

20 bucks
by xram
Sun May 19, 2013 1:55 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on the Lottery?
Replies: 61
Views: 1544

Re: CFP or straight to Vanguard?

RE: the lump sum v. dollar cost averaging- I would encourage you to do what you are most comfortable with. There is the math argument re: going all in at once and then there is the psychological reality of how a big change would affect you, would you be tempted to pull out again, etc. If you decide...
by xram
Sun May 19, 2013 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: CFP or straight to Vanguard?
Replies: 44
Views: 1594

Re: Look at all the pretty colored [BOND] boxes.

This table makes it crystal clear what would be good investments in a long term falling rate environment. Save it for your kids to use in another 20 or 30 years when rates are back over 10%. For now, it's like looking at a chart of stock performance from the early 1980s when P/Es were well under 10...
by xram
Sun May 19, 2013 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 17
Views: 1428

Re: Vanguard Mobile "Portfolio Analysis" is awful

Mobile? why would an asset allocation issue be so urgent that it needs to be done via cell? Mobile prob includes iPad as well. I do everything in my iPad. I hate when I gotta open up the big old clunky laptop for anything. Don't even own a desktop anymore. And will probably never buy a desktop agai...
by xram
Sun May 19, 2013 11:11 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile "Portfolio Analysis" is awful
Replies: 10
Views: 1018

Re: Vanguard Mobile "Portfolio Analysis" is awful

I entered all my info for my schwab 401k PCRA into the vanguard website.

The values are correct on the main screen but completely incorrect in the portfolio analysis tool.

FYI.
by xram
Sun May 19, 2013 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile "Portfolio Analysis" is awful
Replies: 10
Views: 1018

Re: CFP or straight to Vanguard?

Paying $6000 the first year, and a similar amount every year thereafter, for a CFP is, pardon me for being blunt, stupid. You framed the issues clearly, and that means you have the intellect required to manage this money. I'm not flattering you, one could probably train a clever 10 year old to do i...
by xram
Sat May 18, 2013 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: CFP or straight to Vanguard?
Replies: 44
Views: 1594

Re: Betterment investments

Hang around here for a few more days and you'll figure out you can do it yourself without paying them a management fee on top of the underlying ETF expense ratios. Info on their asset allocation is here: https://www.betterment.com/about/investments/ +1 short video introduction to boglehead philosop...
by xram
Sat May 18, 2013 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Betterment investments
Replies: 4
Views: 571

Re: CFP or straight to Vanguard?

Ameriprise employs more CFP's than any other company. Their own website says so. http://www.ameriprise.com/financial-planning/ameriprise-financial-advisors/?link=nav Meh, you think that makes any of us want to choose Ameriprise? Put it in Vanguard. Qualify for Vanguard Select ($500k+). Get a compli...
by xram
Sat May 18, 2013 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: CFP or straight to Vanguard?
Replies: 44
Views: 1594

Re: Look at all the pretty colored [BOND] boxes.

The Wizard wrote:Would be amusing to compare the VG total bond fund return for each of the last 10 years as well.
Not sure if that can easily be done at M*...


I think it tracks the BAGG that is included in the list.

https://personal.vanguard.com/us/FundsS ... IntExt=INT
by xram
Sat May 18, 2013 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 17
Views: 1428

Re: Look at all the pretty colored [BOND] boxes.

Most of those pretty colored boxes have positive return numbers because rates have been falling over that time period. How will you feel about the pretty little boxes when all of the return numbers have minus signs in front of them? I wish I had the pretty colored boxes with the return numbers for ...
by xram
Sat May 18, 2013 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 17
Views: 1428

Re: Whart smartphone should I get?

As a true boglehead, I suggest you shun all phones and request an old tin can and some used string.

Check out my blog on the subject.

http://www.stringsandcansforphones.com

good luck
by xram
Fri May 17, 2013 11:59 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 96
Views: 5786

Re: Who is the next Jack Bogle?

Image
by xram
Fri May 17, 2013 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Who is the next Jack Bogle?
Replies: 18
Views: 1566

Re: Look at all the pretty colored [BOND] boxes.

$10,000 invested before 2002 and left to ride through 2013 YTD would have grown to the following for each category: (ill double-check the numbers tomorrow, too tired tonight) EM - $33,003.39 <---------EMB (I think) HIGH-Yield - $24,777.50 <--------- PHIYX (I think) Long Treasuries - $23,823.15 US TI...
by xram
Fri May 17, 2013 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 17
Views: 1428

Re: Look at all the pretty colored [BOND] boxes.

they added 2013 results YTD

Image
by xram
Fri May 17, 2013 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 17
Views: 1428

Look at all the pretty colored [BOND] boxes.

PIMCO'S BOND RETURN TABLE http://i39.tinypic.com/vy8hhe.jpg http://i44.tinypic.com/345zbb7.jpg I know the following question is being asked NOT based upon academic research or arguments but rather on a "gut feeling" while looking at the "periodic table of bond returns" above. Loo...
by xram
Fri May 17, 2013 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 17
Views: 1428

Re: "Staying the Course"

It's funny to see how automatically new, as well as some of the more experienced posters, simply assume that they will easily stay the course for 40+ years. I'd like to see some kind of study showing how often people really make changes to their portfolio. I'm definitely in favor of nisiprius' sugg...
by xram
Fri May 17, 2013 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: "Staying the Course"
Replies: 28
Views: 3000

Re: Mountain America Credit Union 5-Year IRA CD

If using "not sure" seems to work fairly well when joining credit unions, has anybody tried this at

Southern gas credit union
http://www.depositaccounts.com/cd/3-year-cd-rates.html

They have 3year cd at 2.35%
by xram
Fri May 17, 2013 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 24
Views: 2195

Re: Mountain America Credit Union 5-Year IRA CD

Eligibility Requirements for Mountain America credit unIon https://www.macu.com/aboutus/join/eligibility/ ELIGIBILITY To be eligible for Mountain America Credit Union membership, you must be one of the following: Resident of: Salt Lake County (UT) Duchesne County (UT) Wasatch County (UT) census trac...
by xram
Fri May 17, 2013 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 24
Views: 2195

Credit report for homeowners insurance

Im told by a state farm rep that One's credit report can only be "dinged" one time within a six week period when shopping around for homeowners insurance?

True?

I hope so


Xram
by xram
Wed May 15, 2013 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Credit report for homeowners insurance
Replies: 4
Views: 296

Re: Mountain America Credit Union 5-Year IRA CD

So I have total bond market in a Roth IRA at Vanguard.

I could "transfer" that Roth IRA to Mountain in order to take advantage of the CD being discussed?

Thanks
Xram
by xram
Mon May 13, 2013 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 24
Views: 2195

Re: Obtaining University Scholarship(s)

OK, with your income and asssets, and her desire not to go into coaching softball or girls sports for a career, there is absolutely no point in trying to go the athletic scholarship route. No point whatsoever. There is no point in going for a need-based scholarship as well. That leaves merit-based ...
by xram
Mon May 13, 2013 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1872

Re: Obtaining University Scholarship(s)

What program of study might she be interested in? A lot of non-prestigious schools have individual programs that are truly spectacular and lucrative (meteorology at the University of Oklahoma for example). She is not 100% sure but (as of right now) wants to eventually go to medical school. I told h...
by xram
Mon May 13, 2013 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1872

Re: Obtaining university scholarship(s)

Our daughter had virtually identical experience and credentials except not being anywhere close to need based aid. She got about 25% off from a few private schools that were a step down from ivy league. Full ride offers to a few schools that she didn't apply to because of being a national merit sch...
by xram
Mon May 13, 2013 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1872

Re: Homeowners Insurance.

by xram
Mon May 13, 2013 11:48 am
 
Forum: Personal Consumer Issues
Topic: Homeowners Insurance.
Replies: 10
Views: 707

Homeowners Insurance.

Buying our first home.

Closing may 31st.

Need homeowners insurance.

Any suggestions?

Companies you like?

Good deals?

Gonna research this myself but never hurts to ask.

Thanks
Xram
by xram
Mon May 13, 2013 11:45 am
 
Forum: Personal Consumer Issues
Topic: Homeowners Insurance.
Replies: 10
Views: 707

Re: Using 529 as a Retirement Account

Thanks for all the replies. Very helpful.
by xram
Mon May 13, 2013 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1823

Re: Obtaining University Scholarship(s)

Thanks for all the replies. Very helpful. We are very much OK with our kids going to reasonable "good" state schools. That's what I did and I am doing "very well" in my career and financially as well. ---- I started at a community college. Ended up graduating "Summa CUm Laud...
by xram
Mon May 13, 2013 10:09 am
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1872

Re: Mountain America Credit Union 5-Year IRA CD

Thank you for the info.
by xram
Mon May 13, 2013 1:23 am
 
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 24
Views: 2195

Re: Using 529 as Retirement Account

Bobby Bell puts $25,000 into two 529 plan. Plan One grows to $60,000 and Plan 2 grows to $40,000. His grandniece has $35,000 of QHEE. He removes $30,000 from Plan One. It will be tax free. (He is not using the money to help her pay for education. He is only following the rules.) I am curious to kno...
by xram
Sun May 12, 2013 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1823

Obtaining University Scholarship(s)

My oldest daughter is about to turn 16. Very high grades. Lots of honors. Will need academic not need-based scholarships. Just starting the process to find academic scholarships. Plays softball. Might win state this year..... Preparing for ACT/SAT. Any advice? Good books? Any Insights? thanks, xram....
by xram
Sun May 12, 2013 11:38 am
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1872

Re: Books that have actually changed your life, in a way.

Atlas Shrugged.
-Ayn Rand
by xram
Sat May 11, 2013 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 8705

Re: Using 529 as Retirement Account

Thanks for the replies.
by xram
Sat May 11, 2013 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1823
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