Search found 19 matches

by brokeboy
Mon Dec 18, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Large Cash Poisition from Sale of House
Replies: 5
Views: 722

Re: Large Cash Poisition from Sale of House

yes if I repay the loan, it would be paid in full from cash. Would leave me with my primary residence without a loan and leave me with no debt. I would still have an emergency fund too if I paid the loan off. Market is overvalued for both housing and likely stock, that is what is making the decision...
by brokeboy
Mon Dec 18, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Large Cash Poisition from Sale of House
Replies: 5
Views: 722

Large Cash Poisition from Sale of House

Hi Gurus, Currently have a large cash position due to timing of the sale of house (could not time purchase and sale so wound up with a loan). This leaves me with an unexpected cash position, but loan at 3.5%. Options currently have: 1. Loan at 3.5%, but can invest this cash into market with my inves...
by brokeboy
Mon Jan 02, 2012 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed Cash Rewards CC dropping cash back to .25%
Replies: 58
Views: 8428

Re: Penfed Cash Rewards CC dropping cash back to .25%

just a thought for the switchers to a rewards program. if any of you have airline credit card reward miles or thankyou/reward points type cards, there is point inflation. the airline miles get worse and worse every year, so whats to stop penfed from doing this to customers? straight cashback is wort...
by brokeboy
Fri Aug 26, 2011 3:29 pm
Forum: Investing - Theory, News & General
Topic: kindle 3 web browser .....
Replies: 11
Views: 2118

works fine. they didnt want to make it too great because amazon is eating the 3g charges.

works for me so far on my travels, i can email and gtalk (awkwardly) but its free since its 3G international too, which is why i got it.
by brokeboy
Thu Nov 11, 2010 10:28 am
Forum: Personal Finance (Not Investing)
Topic: HSA - Am I missing something
Replies: 38
Views: 6839

like stated above, there's a HUGE risk your first year. if you dont have money accumulated yet, you will pay up the nose. first handexperience. never really saw any docs and fit, til a sports injury landed me in rehab and ER. it is very costly to pay until the deductible is hit. bad: first year on h...
by brokeboy
Mon Jul 19, 2010 10:17 am
Forum: Personal Consumer Issues
Topic: living in a 89 square foot house
Replies: 62
Views: 11831

http://blog.cleantechies.com/2010/04/29 ... -24-rooms/

this guy has 24 room types in his 300 ft apartment. although it cost a buttload to alter to do that...

after having some physical items, i decided, reduced clutter and simple living is better for me.
by brokeboy
Mon Jun 21, 2010 9:15 pm
Forum: Investing - Theory, News & General
Topic: "CDs That Pay 12 Percent?"
Replies: 4
Views: 1665

i too saw this headline.

then i skimmed and thought the guy was blowing hot air.

i then gave a horrible email review of it back to them.
by brokeboy
Fri Jun 11, 2010 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Best rewards credit card
Replies: 20
Views: 3321

http://www.flyerguide.com/wiki/index.php/Credit/Debit/ATM_Cards_and_Foreign_Exchange for travel cards, big banks often jack up the fees.... my vote goes to penfed and as a backup probably the fidelity 2% and then one of the cards listed in the above wiki if you travel alot and dont want to be ripped...
by brokeboy
Mon May 31, 2010 7:14 am
Forum: Personal Finance (Not Investing)
Topic: How many Bogleheads started out with "Nothing"?
Replies: 90
Views: 11888

started with 0 or negative depending on what you think of student loans. Maybe $10K of cash from parents in undergrad to cover unexpected expenses then, but other than that I've been working/saving longer than many of the people I know.

luckily i stumbled across this site at a young age :)
by brokeboy
Thu May 20, 2010 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: To buy a house now
Replies: 23
Views: 2899

wow. didn't think my lowly question would spark so much debate so fast :) The reason I'm struggling so much is because I basically own very few things. I've definitely experienced life from traveling but i really am similar to where i was as an undergrad. plus my rent is 400 bucks! so under every sc...
by brokeboy
Wed May 19, 2010 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: To buy a house now
Replies: 23
Views: 2899

To buy a house now

I'm 29 single, have cash of 50K and no debt and a decent chunk in retirement savings and live in TX where housing is relatively cheap. I've read alot and can't commit to buying a house. Since I live like a student, renting is still < buying. However rates I have been quoted are: 15yr: 4.125% and 30 ...
by brokeboy
Sat Apr 24, 2010 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Home Ownership -- Pros & Cons
Replies: 54
Views: 7368

http://lifehacker.com/5522318/try-a-pha ... -ownership

lifehacker ran an article on this and i thought it'd be relevant.

i am currently in this situation myself. [/url]
by brokeboy
Mon Apr 13, 2009 2:56 pm
Forum: Investing - Theory, News & General
Topic: Longer Unemployment for Those 45 and Older
Replies: 48
Views: 6536

i'd say this is one non discriminating recession. young ones (me and friends), have been hit pretty hard too. while we're cheap relative to more experienced individuals, its very rare we know upper management or key hiring individuals; whereas the more experienced should have a larger more diverse s...
by brokeboy
Thu Mar 12, 2009 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Eating Cheaply
Replies: 179
Views: 37777

i'm not a farmer and i dont have a plot of land so i just goto a farmer's market. the rest i pickup breads and meat from walmart.

i basically eat just shakes, salads, and sandwhiches. its pretty cheap to make all of them, pretty easy, and inexpensive except for salad leaves
by brokeboy
Thu Mar 12, 2009 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Pop Quiz Bogleheads: You got 10 grand. What do you do?
Replies: 72
Views: 10721

An extra $10,000? It'd go into my Dollar Savings Direct account and wait until I'm done with my master's and then it'd form with its friends into a down payment for a place. since i'm the same boat, just saying that there are better rates than DSD right now...their rate even went down. alliant cred...
by brokeboy
Fri Oct 24, 2008 6:36 pm
Forum: Investing - Theory, News & General
Topic: Tips on answering the question - What Should I Do?
Replies: 163
Views: 228917

Re: 1929-1932 and thereafter..

From my CRSP Data Set. Looking for a good MicroCap Fund :-) Trev H Templeton became a billionaire by pioneering the use of globally diversified mutual funds. His Templeton Growth, Ltd. (investment fund), established in 1954, was among the first who invested in Japan in the middle of the 1960s.[9] H...
by brokeboy
Sat May 10, 2008 10:49 am
Forum: Local Chapters and Bogleheads Community
Topic: DFW meeting on Saturday, May 10th: 12:30pm
Replies: 8
Views: 4420

double post. sorry :(
by brokeboy
Sat May 10, 2008 10:48 am
Forum: Local Chapters and Bogleheads Community
Topic: DFW meeting on Saturday, May 10th: 12:30pm
Replies: 8
Views: 4420

there's 6 or so central markets in dallas? which one is it at?
by brokeboy
Sat May 05, 2007 7:11 am
Forum: Wiki and Reference Library
Topic: Suggestions for the Librarians
Replies: 255
Views: 199137

Tools: trowe price freebie mstar xray version: http://www.troweprice.com/common/index3/0,3011,lnp%253D10002%2526cg%253D1270%2526pgid%253D8277,00.html http://easyallocator.com/ http://www.nytimes.com/packages/html/national/20050515_CLASS_GRAPHIC/index_01.html NY TImes wealth estimator http://www.bank...