Search found 243 matches
- Thu Apr 21, 2011 1:28 pm
- Forum: Personal Consumer Issues
- Topic: This is an amazing story - unguided couple drives the Congo
- Replies: 21
- Views: 4183
- Thu Apr 21, 2011 1:17 pm
- Forum: Personal Consumer Issues
- Topic: gas prices what are you doing to fight it
- Replies: 208
- Views: 24698
i'm going to start shifting late to use up "unreasonable" amounts of gas. going 80 in a 55 is not unreasonableBabakhani wrote: Actually, what is elitist is all the people who drive an F150 or an Escalade or Suburban who don't need to. How often do you see a huge car with 1 person in it? I bet 90% of the time, they drive like that. Also people going at 80 mph on 55 limited highway. They are consuming unreasonably causing the gas prices to go up for all the people you mentioned.
- Thu Apr 21, 2011 11:43 am
- Forum: Personal Consumer Issues
- Topic: Deleted
- Replies: 87
- Views: 9266
- Thu Apr 21, 2011 10:52 am
- Forum: Personal Investments
- Topic: Are the fees in this unmatched 401(k) too high?
- Replies: 10
- Views: 1663
- Thu Apr 21, 2011 10:43 am
- Forum: Personal Consumer Issues
- Topic: This is an amazing story - unguided couple drives the Congo
- Replies: 21
- Views: 4183
This is an amazing story - unguided couple drives the Congo
Warning: If you start to read this it'll probably take about 3 hours of your time to get through it, and once you start you probably won't be able to stop.
http://www.expeditionportal.com/forum/s ... hp?t=50799
This couple from belgium are driving a lot of the world, they want to drive through the congo, an epic adventure.
http://www.expeditionportal.com/forum/s ... hp?t=50799
This couple from belgium are driving a lot of the world, they want to drive through the congo, an epic adventure.
- Wed Apr 20, 2011 4:46 pm
- Forum: Personal Consumer Issues
- Topic: gas prices what are you doing to fight it
- Replies: 208
- Views: 24698
- Wed Apr 20, 2011 3:02 pm
- Forum: Personal Investments
- Topic: portfolio balancing help
- Replies: 29
- Views: 2200
I think you need to figure out your AA and strategy before even deciding Lump sum vs. DCA.bungalow10 wrote:I have another question for all of you...
as I move a portion of my portfolio into bonds (we're looking at about $50,000-$70,000), do I spread that move out over a period of time (similar to dollar-cost averaging), or bite the bullet and do it all at once.
My gut is telling me spread it out, but I'd love to hear other thoughts and suggestions regarding timing.
What bond funds are you looking at? Are you getting TIPS? What type of duration are you looking at? Do you dislike treasuries as much as bill gross (PTTRX Pimco total return which is similar to an intermediate bond is actually holding negative treasuries)
- Wed Apr 20, 2011 2:08 pm
- Forum: Personal Investments
- Topic: portfolio balancing help
- Replies: 29
- Views: 2200
- Wed Apr 20, 2011 11:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Retirement Income
- Replies: 8
- Views: 1655
- Wed Apr 20, 2011 10:21 am
- Forum: Personal Consumer Issues
- Topic: New home build...anything youd want/change/splurge on...
- Replies: 95
- Views: 15648
- Tue Apr 19, 2011 4:25 pm
- Forum: Personal Investments
- Topic: Windstream (TV, internet, phone): $99.99 for life. Really?
- Replies: 21
- Views: 4264
- Tue Apr 19, 2011 4:06 pm
- Forum: Personal Investments
- Topic: Portfolio Rebalancing & Funds with Weird Allocations
- Replies: 2
- Views: 583
- Tue Apr 19, 2011 1:57 pm
- Forum: Personal Consumer Issues
- Topic: Oil Change Irritation - UPDATE 4/25 7:29 AM
- Replies: 84
- Views: 13565
Few things of note: I switched my car to synthetic a few years ago.
1) once you go synthetic you should not go back to regular dino oil.
2) synthetic is more expensive
3) Synthetic generally last longer, usually i go 5-6k w/ no problems
but even at synthetic, you shouldn't be paying more than 40-65 for synthetic (castrol and others seem to be cheaper on the scale, and mobil1 on the high end)
I don't change the oil in my current car because: my buildings garage is not conducive to it and 2, my WRX is a pain in the butt to change the oil (moreso than my previous cars)
1) once you go synthetic you should not go back to regular dino oil.
2) synthetic is more expensive
3) Synthetic generally last longer, usually i go 5-6k w/ no problems
but even at synthetic, you shouldn't be paying more than 40-65 for synthetic (castrol and others seem to be cheaper on the scale, and mobil1 on the high end)
I don't change the oil in my current car because: my buildings garage is not conducive to it and 2, my WRX is a pain in the butt to change the oil (moreso than my previous cars)
- Tue Apr 19, 2011 8:21 am
- Forum: Personal Finance (Not Investing)
- Topic: Net Worth vs Number of Posts on Bogleheads
- Replies: 12
- Views: 2169
- Mon Apr 18, 2011 8:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: Tough Decision: Move or Stay???
- Replies: 18
- Views: 3674
I would stay right where you are and plead poverty every chance you get until the divorce is final. Nothing is more personal than divorce and your to be x can go ahead and think she is satisfied she has made you live with your parents. Perception is important. Keep paying down your bills as fast as you can IMHO. Better days are coming, I went through the same thing in the early 80's. Life gets better, much better. I agree, I recall your circumstance. Stay home* and plead poverty to everyone, except maybe your providers. Get your divorce finalized ASAP. Save up as much as you can and become debt free. NEVER remarry without a pre-nup. Good luck! great advice :rolleyes: pre-nups are largely useless. he probably had no net worth before the mar...
- Mon Apr 18, 2011 12:31 pm
- Forum: Personal Investments
- Topic: portfolio review
- Replies: 8
- Views: 1258
- Mon Apr 18, 2011 12:13 pm
- Forum: Personal Investments
- Topic: portfolio review
- Replies: 8
- Views: 1258
- Fri Apr 15, 2011 8:53 am
- Forum: Personal Consumer Issues
- Topic: Lone Travel Destination Needed Fast!
- Replies: 35
- Views: 8127
Where have you been? I don't want to suggest places you've been before. You mentioned North America, Europe and Australia. (australia on 9 days is almost a waste)
Europe is still a good idea for 9-10 days, travel time will not kill you, its relative safe, and the weather is fine. I enjoyed Amsterdam for a couple days (rent bikes, see the sights, didn't enjoy boat rides), Spain would be a lot of fun as well.
I just got back from South Africa and Botswana, while you could get the necessary immunizations in time (at this point of the year you just need hep a, typhoid, we didn't go to the delta, so malaria and yellow fever weren't needed) but I also think it would be tough to do SA as a single.
Europe is still a good idea for 9-10 days, travel time will not kill you, its relative safe, and the weather is fine. I enjoyed Amsterdam for a couple days (rent bikes, see the sights, didn't enjoy boat rides), Spain would be a lot of fun as well.
I just got back from South Africa and Botswana, while you could get the necessary immunizations in time (at this point of the year you just need hep a, typhoid, we didn't go to the delta, so malaria and yellow fever weren't needed) but I also think it would be tough to do SA as a single.
- Thu Apr 14, 2011 3:16 pm
- Forum: Personal Investments
- Topic: Advice for soon to be investor...
- Replies: 4
- Views: 854
some of my friends who are doctors have sweet 401k plans (hospitals match 200% (33k))
Since you will make more than 60k you will not be able to contribute to a deductable IRA, and you will make more than the roth limit as well. If you do the research on a backdoor roth you should be able to tax advantage 5k, but you will likely need to move that rollover IRA before you can do that.... it's something to research.
Since you will make more than 60k you will not be able to contribute to a deductable IRA, and you will make more than the roth limit as well. If you do the research on a backdoor roth you should be able to tax advantage 5k, but you will likely need to move that rollover IRA before you can do that.... it's something to research.
- Thu Apr 14, 2011 10:01 am
- Forum: Personal Investments
- Topic: Mututal funds/tips for a newbie investor.
- Replies: 14
- Views: 1630
- Thu Apr 14, 2011 9:56 am
- Forum: Personal Investments
- Topic: Thank you Bogleheads, what else needs to be done...
- Replies: 20
- Views: 2798
Are those IRAs regular or Roth? Are you able to contribute to ROTH IRAs? I didn't see any IRA contributions for this year... Seems like you have somewhat limited tax advantaged space.
Overall this looks pretty good, I just noticed off the bat that you have more than twice as much in taxable than tax advantaged.
Overall this looks pretty good, I just noticed off the bat that you have more than twice as much in taxable than tax advantaged.
- Wed Apr 13, 2011 1:43 pm
- Forum: Personal Investments
- Topic: Minimum requirements for starting the Roth 5-year period
- Replies: 7
- Views: 868
- Wed Apr 13, 2011 1:21 pm
- Forum: Personal Investments
- Topic: Quick Asset Allocation Rebalancing Review
- Replies: 9
- Views: 1350
- Wed Apr 13, 2011 12:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: options on where to park $10k?
- Replies: 20
- Views: 2684
- Wed Apr 13, 2011 12:05 pm
- Forum: Personal Investments
- Topic: A Newbie and His Wife
- Replies: 8
- Views: 1722
- Wed Apr 13, 2011 11:24 am
- Forum: Personal Investments
- Topic: Dodge and Cox Funds
- Replies: 17
- Views: 4406
- Wed Apr 13, 2011 10:50 am
- Forum: Personal Investments
- Topic: 20 year horizon....want to get it right!
- Replies: 7
- Views: 929
- Wed Apr 13, 2011 7:13 am
- Forum: Personal Investments
- Topic: Contributing to 401k as well as traditional IRA
- Replies: 7
- Views: 1378
- Wed Apr 13, 2011 6:42 am
- Forum: Personal Investments
- Topic: Zipcar IPO
- Replies: 40
- Views: 5748
- Tue Apr 12, 2011 9:36 am
- Forum: Investing - Theory, News & General
- Topic: Do you hold actively managed funds at all?
- Replies: 44
- Views: 5541
- Tue Apr 12, 2011 8:20 am
- Forum: Personal Investments
- Topic: money to invest but unsure of how to invest it..
- Replies: 3
- Views: 952
0.5) [edit] you don't mention an emergency fund? this should be established/(might be the 50k)... this is the money used for... 'emergencies' many people keep 9-12months of expenses in here. many people put these into a high yielding moneymarket/checking account (although not too much yield anywhere. ing/ally/etc) 1) Insurance... the main question is what is the insurance used to protect? In some cases later on there might be tax savings/estate planning, but for now, what are you protecting? At this point you don't have a home loan that would cripple your wife should you die, and you don't have kids. It would probably be smart to look into 10/15/30 yr term life insurance once you're having children. This board tends to dislike whole life (m...
- Mon Apr 11, 2011 4:20 pm
- Forum: Personal Investments
- Topic: "portfolio" of a friend - seriously
- Replies: 11
- Views: 2301
- Mon Apr 11, 2011 12:45 pm
- Forum: Personal Investments
- Topic: 403b question
- Replies: 2
- Views: 399
- Mon Apr 11, 2011 12:11 pm
- Forum: Personal Consumer Issues
- Topic: replacing only the front two tires.
- Replies: 23
- Views: 5870
I strongly suggest checking your owner's manual just in case there are special tire considerations. For example, for my Subaru (which is all wheel drive) I have to replace all 4 tires at once or risk screwing something up. This is true. In the case where you have AWD or 4WD having tires with different wear/sizing (even if its matching type but new vs. worn) can screw up your car.. here's from cartalk: Car Talk: Shortcut on tires will end up being very costly Dear Tom and Ray: I recently had four half-worn snow tires on my '04 Honda CR-V with all-wheel drive. Living in upstate New York, I was driving in snow on back roads much of the time (as a rural letter carrier for the U.S. Postal Service). I had the bright idea to buy two new snow tire...
- Mon Apr 11, 2011 12:05 pm
- Forum: Personal Investments
- Topic: Need to open an IRA - What's the best way to start?
- Replies: 24
- Views: 3773
- Fri Apr 08, 2011 1:55 pm
- Forum: Personal Investments
- Topic: Oakmark or Vanguard?
- Replies: 22
- Views: 4993
- Fri Apr 08, 2011 1:54 pm
- Forum: Personal Investments
- Topic: Help in the beginning.
- Replies: 16
- Views: 1850
- Fri Apr 08, 2011 12:57 pm
- Forum: Personal Investments
- Topic: Do FAs ever charge % of yield instead of % of assets?
- Replies: 22
- Views: 2258
- Fri Apr 08, 2011 10:26 am
- Forum: Personal Investments
- Topic: Rollover my 401k to IRA or not?
- Replies: 9
- Views: 2012
I think the new plan is try to get my new employer to get its act together and set up a 401k for us. If that's successful, I'll sell the Contrafund shares and reinvest the proceeds in some cheaper funds. And it sounds like I'd be well advised to open a separate IRA account, and make additional contributions there. Am I correct that I can contribute just $5k per year to an IRA? And that these contributions must be taxed prior to contribution? Thanks again for your insights. yes... kind of Traditional IRA: max 5k, tax deductable if your AGI is below ~60k Roth IRA: max 5k, contributable if your MAGI is below 120k (fully contributable if your MAGI is below ~105k) Non-deducatable traditional: max 5k, many people who earn over 120k are using thi...
- Fri Apr 08, 2011 9:05 am
- Forum: Personal Investments
- Topic: Inherited $800K. What to do now?
- Replies: 52
- Views: 7022
- Fri Apr 08, 2011 8:51 am
- Forum: Investing - Theory, News & General
- Topic: CAT Bond Fund: Would you buy it?
- Replies: 12
- Views: 3692
Not a bad product for institutions but I suspect that by the time these bonds find their way to a retail investor the risk is significantly underpriced. Oh, and they're not new. They've been around 10 or 15 years at least. I work in reinsurance. They've been around for about 15 years, but largely unknown and small in issuance until about 5 years ago. Many reinsurers brought in IBanking guys and were looking for yield and accelerating balance sheets, so securitizing risk like CAT bonds has been more of the focus [aside: much of it industry is back to basics after taking a bath in the crash, although Berkshire makes great use of 'free' capital]. CAT bonds can be useful, but you're chasing yield and can have bad returns, but it's generally ba...
- Thu Apr 07, 2011 5:11 pm
- Forum: Personal Investments
- Topic: Rollover my 401k to IRA or not?
- Replies: 9
- Views: 2012
- Thu Apr 07, 2011 2:11 pm
- Forum: Personal Investments
- Topic: Inherited $800K. What to do now?
- Replies: 52
- Views: 7022
- Thu Apr 07, 2011 8:24 am
- Forum: Personal Investments
- Topic: Is my portfolio too conservative?
- Replies: 20
- Views: 3164
- Wed Apr 06, 2011 3:39 pm
- Forum: Personal Investments
- Topic: Best option for Roth 403b when leaving job?
- Replies: 9
- Views: 2556
- Wed Apr 06, 2011 9:55 am
- Forum: Personal Investments
- Topic: Invest in Japan?
- Replies: 5
- Views: 920
- Wed Apr 06, 2011 9:52 am
- Forum: Personal Investments
- Topic: Time to Invest. Need Advise.
- Replies: 3
- Views: 696
It would help to add: How much you contribute to your 401k/yr. It looks like you have no IRA/Roth.
Now, depending on your MAGI you may be able to Roth or might have to back door, but many people will come and suggest you maximize your money in tax advantaged space... this will be (if you don't max out your 16.5k in 401k to max that, it'll also be to fund IRA (roth or backdoor roth at your income level)
What funds and expense ratios are in your 401k menu?
Now, depending on your MAGI you may be able to Roth or might have to back door, but many people will come and suggest you maximize your money in tax advantaged space... this will be (if you don't max out your 16.5k in 401k to max that, it'll also be to fund IRA (roth or backdoor roth at your income level)
What funds and expense ratios are in your 401k menu?
- Tue Apr 05, 2011 3:16 pm
- Forum: Personal Investments
- Topic: About to Purchase Roth IRA - thanks in advance
- Replies: 28
- Views: 3339
- Tue Apr 05, 2011 10:12 am
- Forum: Personal Investments
- Topic: Inherited a sizable sum - what should I do?
- Replies: 113
- Views: 18617
- Tue Mar 08, 2011 9:55 am
- Forum: Personal Investments
- Topic: Please help incorporate my new job 401k into my inv strategy
- Replies: 5
- Views: 1314