KitKat/Snickers - Had it since I was a kid
Old Spice - passed from grandpa
Was a huge fine of the following..not sure of these brands anymore...:
Samsung
Sony
Search found 47 matches
- Sun May 10, 2015 9:16 am
- Forum: Personal Consumer Issues
- Topic: Brand Loyalty
- Replies: 60
- Views: 6676
- Mon May 19, 2014 9:50 am
- Forum: Investing - Theory, News & General
- Topic: Blog: Vanguard Personal Advisor Services
- Replies: 35
- Views: 15326
Re: Blog: Vanguard Personal Advisor Services
This is great.. highly considering it.
- Sun May 18, 2014 3:05 pm
- Forum: Investing - Help with Personal Investments
- Topic: Pay Off Student Loans or Invest?
- Replies: 35
- Views: 5071
Re: Pay Off Student Loans or Invest?
Questions: 1. Can you refinance the student loan with SOFI or other? 2. What is your tax bracket? 3. What fund options do you have in your 401k? Assuming your tax bracket isn't too high and you can't refinance your loan, I would prioritize: 1. 401k match 2. Loans 3. Roth 4. 401k beyond match I thin...
- Wed Mar 05, 2014 7:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Back door Roth IRA
- Replies: 30
- Views: 2026
Re: Back door Roth IRA
So am I "ok" in converting to Roth IRA considering i filled out 8606 ?? Looks like you are good to go. :beer JW One last question.. read somethign today that confused me even more. Will tax filing be complicated if I contribute to 2013 TIRA (and convert to ROTH via backdoor) in calendar year 2014? ...
- Wed Mar 05, 2014 6:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Back door Roth IRA
- Replies: 30
- Views: 2026
Re: Back door Roth IRA
Ok, checked turbotax records. I filled out Form 8606 for 2008, 2009, 2010, and 2011. Looks I contributed to Roth in 2008 and 2009, later re-alized I was above the income limit and recharacterize to TIRA in 2009. It's confusing because on Form 5498 it says i contributed $3412 to Roth but on Form 8606...
- Wed Mar 05, 2014 1:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Backdoor Roth IRA Contribution - How To in Taxes?
- Replies: 11
- Views: 2596
Re: Backdoor Roth IRA Contribution - How To in Taxes?
Did you contribute for 2012 in 2013 and reporting 2013 taxes?
This may help: http://thefinancebuff.com/backdoor-roth ... -easy.html
This may help: http://thefinancebuff.com/backdoor-roth ... -easy.html
- Wed Mar 05, 2014 10:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Back door Roth IRA
- Replies: 30
- Views: 2026
Re: Back door Roth IRA
Easier than what? If you have not filled out the Forms 8606 for each year, you have to do that anyway, no matter what you decide to do with the money. It is the only thing that documents that you have already paid tax on that money. It is the Form 8606 that keeps you from getting taxed a second tim...
- Wed Mar 05, 2014 9:16 am
- Forum: Personal Finance (Not Investing)
- Topic: Back door Roth IRA
- Replies: 30
- Views: 2026
Re: Back door Roth IRA
With your IRA how much did you put in versus the 19k it's worth because that will be the taxable amount there. $5000 for 2010, $5000 for 2011. In 2009, I had to re-characterize Roth IRA contributions (total was around $9000). It's a mess.. sigh and I had to get Form 5498 from Vanguard for all years...
- Tue Mar 04, 2014 5:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best Credit Card Promos 2014 *Updated*
- Replies: 36
- Views: 82085
Re: Best Credit Card Promos 2014
Barclay's World is good .. but I think they have have increased min spend.
Chase Sapphire PReferred is also good
Chase Sapphire PReferred is also good
- Tue Mar 04, 2014 5:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Back door Roth IRA
- Replies: 30
- Views: 2026
Re: Back door Roth IRA
With your IRA how much did you put in versus the 19k it's worth because that will be the taxable amount there. $5000 for 2010, $5000 for 2011. In 2009, I had to re-characterize Roth IRA contributions (total was around $9000). It's a mess.. sigh and I had to get Form 5498 from Vanguard for all years...
- Tue Mar 04, 2014 9:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Back door Roth IRA
- Replies: 30
- Views: 2026
Re: Back door Roth IRA
Sorry for responding to an older thread.. but i have a similar question: a) I have about $19K in TIRA, spouse has about $30K in rollover IRA (from previous employer's 401K) b) When I contributed to my TIRA , my income was high (and still high for current year). I was not able to deduct the contribut...
- Sun Feb 16, 2014 4:44 pm
- Forum: Personal Consumer Issues
- Topic: VZW Customers Check Out New Plans
- Replies: 24
- Views: 3371
Re: VZW Customers Check Out New Plans
Ugh.. weak plans by Verizon.
- Fri Feb 14, 2014 3:55 pm
- Forum: Investing - Help with Personal Investments
- Topic: Student Loans paid off - now I want to focus on investing
- Replies: 10
- Views: 1249
Re: Student Loans paid off - now I want to focus on investin
Duckie - responses to your comments..: [*]His 401k for rebalancing. Okay [*]Do you have children? If not, why do you have a 529 plan? (And it's not part of the retirement portfolio.) yes I do, I will remove 529. Sorry about that. [*]TISM is perfect for taxable because it allows you to take advantage...
- Fri Feb 14, 2014 3:51 pm
- Forum: Investing - Help with Personal Investments
- Topic: Student Loans paid off - now I want to focus on investing
- Replies: 10
- Views: 1249
Re: Student Loans paid off - now I want to focus on investin
If she's not going to reach $17,500, then sure, you don't need to worry about exceeding that limit. But the other point still remains: You should not contribute a single retirement dollar to taxable if you haven't first maxed out her 401k. So if that means putting literally 100% of her income from ...
- Fri Feb 14, 2014 3:25 pm
- Forum: Investing - Help with Personal Investments
- Topic: Student Loans paid off - now I want to focus on investing
- Replies: 10
- Views: 1249
Re: Student Loans paid off - now I want to focus on investin
Can you estimate how much you will add to each of her two retirement accounts? You mention the total but it would be important to split between the two so she can receive maximum matching funds. Please include the matching funds in the total amount going into each of your accounts (I assume you rec...
- Thu Feb 13, 2014 5:45 pm
- Forum: Investing - Help with Personal Investments
- Topic: Student Loans paid off - now I want to focus on investing
- Replies: 10
- Views: 1249
Re: Student Loans paid off - now I want to focus on investin
1) Don't include the 529 when calculating percentages. It's not retirement money. 2) Don't put retirement money into taxable before you've maxed out tax-advantaged accounts. You've listed a 401k and a 403b for her, but noted contributions to only one of them. She should contribute 4% to whichever o...
- Thu Feb 13, 2014 4:08 pm
- Forum: Investing - Help with Personal Investments
- Topic: Student Loans paid off - now I want to focus on investing
- Replies: 10
- Views: 1249
Student Loans paid off - now I want to focus on investing
Hi all, I paid off all our student loans (over $250K, woohoo) and I want to focus solely on retirement planning and investing. Emergency funds: $50,000 cash Debt: $220,000 mortgage @ 3.25% Tax Filing Status: Married Filling Jointly Tax Rate: 28% Federal, 7% State State of Residence: NJ Age: 32 Desir...
- Wed Nov 06, 2013 10:56 am
- Forum: Personal Finance (Not Investing)
- Topic: 250k Student Loan Payment Schedule
- Replies: 67
- Views: 10639
Re: 250k Student Loan Payment Schedule
I was in a similar boat.. here is what I did: 1) Min contribution to 401k (min = whatever the company matches) 2) Pay off as much as you can (bonus money, beer money, etc.) 3) Once paid off.. max 401k, ira, save, invest, etc. Note: this is assuming you have a emergency account It's painful, it was s...
- Wed Jul 24, 2013 5:40 pm
- Forum: Investing - Theory, News & General
- Topic: Best online portfolio viewing site?
- Replies: 48
- Views: 9336
Re: Best online portfolio viewing site?
I usually use Fidelity Full View. That's more out of necessity than anything, as my 401k is through Fidelity and I'm not sure why, but our options in the 401k aren't mutual funds with ticker symbols. The exact wording is: "The fund is invested in a stock portfolio that mirrors the S&P 500® Index. T...
- Sat Jul 20, 2013 10:24 am
- Forum: Investing - Theory, News & General
- Topic: Best online portfolio viewing site?
- Replies: 48
- Views: 9336
Re: Best online portfolio viewing site?
Personal Capital is one..There are also others: SigFig, Betterment, Wealthfront, JemStepGleevec wrote:Are there any free portfolio sites that sync your portfolio only to your iphone/ipad as well (that has charting etc)
I have not found a good one
- Sat Jul 20, 2013 7:23 am
- Forum: Investing - Theory, News & General
- Topic: Best online portfolio viewing site?
- Replies: 48
- Views: 9336
Re: Best online portfolio viewing site?
Personal Capital for me.. and Mint for non-investment expenses.
- Tue Jul 16, 2013 6:43 pm
- Forum: Investing - Help with Personal Investments
- Topic: First 401k & Portfolio Review
- Replies: 12
- Views: 1646
Re: First 401k & Portfolio Review
400K and 24? Good job! Keep it up for starting early.... you'll retire soon!
- Mon Jul 08, 2013 9:49 am
- Forum: Personal Consumer Issues
- Topic: Saving money on car repairs
- Replies: 25
- Views: 3616
Re: Saving money on car repairs
Thanks guys. Good advice. I agree with "... you have to want to do it". I want to start "low" by changing oil, wipers, etc. and then do reading and adventuring into the next tier of self repair. I got disappointed by a ~$700 bill (labor/parts) for replacing all brake rotors and all brake pads. Any g...
- Mon Jul 08, 2013 8:15 am
- Forum: Personal Consumer Issues
- Topic: Saving money on car repairs
- Replies: 25
- Views: 3616
Saving money on car repairs
So.. how does everyone here save money on car service and repairs - oil change, parking light change, brake rotor/pad replacement, spark plug replacement, etc? While I currently get everything serviced at STS Auto. I am researching how I can at least do an oil change myself and save a few $$. I'm no...
- Thu Jul 04, 2013 2:41 pm
- Forum: Personal Consumer Issues
- Topic: Best/Favorite ipad Apps
- Replies: 34
- Views: 4970
Re: Best/Favorite ipad Apps
Mint
Personal Capital
Kindle
Flipboard
Personal Capital
Kindle
- Sun Jun 30, 2013 7:06 pm
- Forum: Investing - Theory, News & General
- Topic: What do you wish you had learned sooner?
- Replies: 104
- Views: 16905
Re: What do you wish you had learned sooner?
Not taking out student loans at all.
While I did not read any of the classic investing/finance books, I was lucky enough to read lot of finance sections in the news papers

While I did not read any of the classic investing/finance books, I was lucky enough to read lot of finance sections in the news papers
- Sun Jun 30, 2013 3:18 pm
- Forum: Personal Consumer Issues
- Topic: Computer question [How often to do a shutdown?]
- Replies: 39
- Views: 3832
Re: Computer question
Keep it on Hibernate and you should be good to go. Only reboot if a new software or update requires it.
- Sun Apr 21, 2013 3:49 pm
- Forum: Forum Issues and Administration
- Topic: EMail when new threads are created?
- Replies: 3
- Views: 1095
EMail when new threads are created?
Is there a way to get notified when a new thread is created in any forum? I saw an option to get alerted on new replies to an existing thread, but not new threads.
- Sun Apr 21, 2013 3:46 pm
- Forum: Investing - Help with Personal Investments
- Topic: Pay off all debt first and come back here in 2 years?
- Replies: 64
- Views: 6412
Re: Pay off all debt first and come back here in 2 years?
Stop the presses for a minute. People are giving advice to someone that lives in an equitable distribution state. What does that mean? That means that while the people involved are not married (?), the OP might feel that their debt is joint debt (at least that's how it appears). To be clear, debt e...
- Sat Apr 20, 2013 5:30 pm
- Forum: Investing - Help with Personal Investments
- Topic: Help w/ a $55M portfolio?
- Replies: 51
- Views: 8221
Re: Help w/ a $55M portfolio?
Dang.. can I have .01% of your portfolio to pay off my student loans? 

- Sun Nov 04, 2012 8:42 pm
- Forum: Investing - Help with Personal Investments
- Topic: 5 year performance at Vanguard
- Replies: 41
- Views: 4894
Re: 5 year performance at Vanguard
6.6%.. not sure of the math behind it
- Sat Sep 08, 2012 7:07 pm
- Forum: Personal Consumer Issues
- Topic: Where to go for computer problems?
- Replies: 33
- Views: 2882
Re: Where to go for computer problems?
I would search on craigslist.org to see if you can find a techie who can fix your computer (cost is pretty cheap too)
- Sun Aug 12, 2012 4:09 pm
- Forum: Personal Consumer Issues
- Topic: what can i do with an apple tv?
- Replies: 9
- Views: 2392
Re: what can i do with an apple tv?
Apple TV allows you to run "apps" over your T.V. Apps like hulu, mlb, nba. You can send content (movies for e.g.) from your iDevice to your TV via Apple TV. So yeah, it's like hooking up your PC to your TV.. but for the average folk 

- Sun Aug 05, 2012 12:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: Asset location investing question
- Replies: 7
- Views: 537
Re: Asset location investing question
Edit just look back at PINGO portfolio suggestion on prior post Hmmmm. Maxim730 you seem to be a moving target. What you have in one thread is not the same thing you have in another thread. :D It's hard to offer accurate help in a situation like that. What's going on? Ha, maybe I confused a lot of ...
- Sun Aug 05, 2012 12:48 pm
- Forum: Investing - Help with Personal Investments
- Topic: Yet another student loan
- Replies: 27
- Views: 2315
Re: Yet another student loan
I personally would pay down the loan as fast as possible since (I assume) you have no other debt (renting or staying at parents). It will be a good feeling once the loans are off the books. You can then focus exclusively on saving for a house/investing/etc.
Good luck.. student loans are painful
Good luck.. student loans are painful

- Sun Aug 05, 2012 12:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Asset location investing question
- Replies: 7
- Views: 537
Asset location investing question
Hi all, I have read the tax-efficient wiki at http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement. I have some questions on how to make this "work". For example, say I have $5000 in my 401k (83%), $1000 in Roth IRA (17%), and $1000 available to invest (either Roth or a taxable)...
- Thu Aug 02, 2012 8:15 pm
- Forum: Investing - Help with Personal Investments
- Topic: financial advisor's portfolio for me..........yes or no?
- Replies: 37
- Views: 3778
Re: financial advisor's portfolio for me..........yes or no?
I honestly don't know how to transfer this over from td ameritrade and edward jones to a tax deferred or a taxable account. How do you have that option? Or, do you transfer it over and then place it where you want it? What are you trying to transfer? You can keep whatever you have with TDAmeritrade...
- Thu Aug 02, 2012 8:03 pm
- Forum: Investing - Help with Personal Investments
- Topic: Vanguard Transaction Error?
- Replies: 7
- Views: 2346
Re: Vanguard Transaction Error?
Any chance this could be related to Knight Capital fiasco?
Vanguard also stops trading with KC - http://www.foxbusiness.com/news/2012/08 ... t-trading/
Vanguard also stops trading with KC - http://www.foxbusiness.com/news/2012/08 ... t-trading/
- Mon Jul 30, 2012 11:28 am
- Forum: Investing - Help with Personal Investments
- Topic: Loan against my 401k to pay off student loan?
- Replies: 12
- Views: 1408
Re: Loan against my 401k to pay off student loan?
I am in the same boat too and I did not take a 401k Loan to pay off my student loan simply because if i did lose my job I would have to pay back the loan.
- Wed Jul 18, 2012 11:08 am
- Forum: Investing - Help with Personal Investments
- Topic: Re-assessing IRA/401K portfolio only
- Replies: 23
- Views: 2081
Re: Re-assessing IRA/401K portfolio only
Mortgage: ~255,000 @ 5.12% (I can't refi since I have a FHA loan, and the house has lost value. I could refi but I have to put a lot of cash down. It is not worth it since we plan on moving out in 1-2 years) You have nearly $90K saved for a downpayment on your next house. Why not park most of that ...
- Tue Jul 17, 2012 5:47 pm
- Forum: Investing - Help with Personal Investments
- Topic: Re-assessing IRA/401K portfolio only
- Replies: 23
- Views: 2081
Re: Re-assessing IRA/401K portfolio only
OP, since you stated you are going to be able to pay these off so soon it sounds like you are putting some pretty serious extra month monthly on these loans. You are not getting much bang for your buck by lowering your 401K contributions to only the match due to your tax rates. I think you are maki...
- Tue Jul 17, 2012 5:18 am
- Forum: Investing - Help with Personal Investments
- Topic: Re-assessing IRA/401K portfolio only
- Replies: 23
- Views: 2081
Re: Re-assessing IRA/401K portfolio only
I may be misinterpreting it, but your reply suggests to me that you're not thinking of your income in calendar years, which is what you need to do. Forget 2013; it is the future and the tax code then is unknowable. What will your combined gross income be in 2012? Over $200,000 even though your wife...
- Mon Jul 16, 2012 8:17 pm
- Forum: Investing - Help with Personal Investments
- Topic: Re-assessing IRA/401K portfolio only
- Replies: 23
- Views: 2081
Re: Re-assessing IRA/401K portfolio only
Can you explain how you're in the 28% bracket and 6.37% NJ bracket? From your prior posts we know that your income is about $110,000. What is your wife's? If you're in the 28% bracket there's a significant probability that you're also in the AMT, which makes our effective marginal rate 32.5%, or 39...
- Mon Jul 16, 2012 5:55 pm
- Forum: Investing - Help with Personal Investments
- Topic: Re-assessing IRA/401K portfolio only
- Replies: 23
- Views: 2081
Re: Re-assessing IRA/401K portfolio only
ofcmetz Getting out of debt sounds like a great plan for you all. It's going to be a lot of work knocking off 200K, but that will only make it all the more satisfying when you finish. I like your portfolio selections. Simple and low cost. A great recipe for success. Good Luck Jeff Thanks!. Student ...
- Mon Jul 16, 2012 6:24 am
- Forum: Investing - Help with Personal Investments
- Topic: Re-assessing IRA/401K portfolio only
- Replies: 23
- Views: 2081
Re-assessing IRA/401K portfolio only
Hi all,
I posted earlier (http://www.bogleheads.org/forum/viewtop ... &p=1431840) and received excellent feedback.
[Personally identifying information removed by admin LadyGeek, 24-Dec-12. Requested by the OP, the help is much appreciated.]
I posted earlier (http://www.bogleheads.org/forum/viewtop ... &p=1431840) and received excellent feedback.
[Personally identifying information removed by admin LadyGeek, 24-Dec-12. Requested by the OP, the help is much appreciated.]
- Wed Jul 04, 2012 9:42 pm
- Forum: Investing - Help with Personal Investments
- Topic: Moving to a lazy portfolio..
- Replies: 10
- Views: 2069
Re: Moving to a lazy portfolio..
Hi all, Thank you very much for responding to my questions! My responses: Taylor Larimore - Tax-Efficient Fund Placement Thank you! That is a great and straightforward explanation. livesoft » Wed Jul 04, 2012 12:30 pm In your situation, I would not use a Roth 401(k) at all. I would put all the money...
- Wed Jul 04, 2012 10:48 am
- Forum: Investing - Help with Personal Investments
- Topic: Moving to a lazy portfolio..
- Replies: 10
- Views: 2069
Moving to a lazy portfolio..
Hi all, I have been investing on my own by researching online and by reading various finance blogs. I think I am in pretty good shape, however, I want to simplify my investment portfolio. I have read most of the posts and wiki entries for the "Lazy Portfolio" and I want move to a "core-four" lazy po...