Search found 181 matches

by BenAiken
Fri Dec 10, 2010 4:31 pm
Forum: Personal Consumer Issues
Topic: Old / high mileage cars as primary vehicles for Bogleheads?
Replies: 94
Views: 11881

Bought a 2000 Nissan sentra in 2006 and it is still running strong for my wife, it still has less than 100k. I bought a 2003 Honda civic in 2004 with 11k on it. I was planning on driving it until it died of natural causes. Unfortunately, some idiot pulled an illegal u-turn so it died of unnatural ca...
by BenAiken
Wed Dec 08, 2010 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: If this bond sell-off continues, what should I do?
Replies: 46
Views: 10487

Step 1 Look at your Financial Plan Step 2 Assess the situation. Step 3 Are you doing what your Financial Plan says? Yes, then keep doing what you're doing. no, change investments to meet financial plan. Step 4 Ignore the markets as market timing on average does not work. Step 5 Remind yourself that ...
by BenAiken
Tue Dec 07, 2010 12:15 pm
Forum: Personal Consumer Issues
Topic: Trip to Grand Canyon
Replies: 48
Views: 5210

If it were we me and I had the time I would definitely drop in on the fantastic Shakespeare festival in Cedar City, UT. The plays are always great, and they have a replica of the Globe Theater. It's a convenient base camp for Bryce and Zion. Hi, I agree about the USF in Cedar City: http://www.bard....
by BenAiken
Mon Dec 06, 2010 1:01 pm
Forum: Personal Consumer Issues
Topic: Trip to Grand Canyon
Replies: 48
Views: 5210

From a local: (I grew up in Kanab, UT the hub of the parks as we like to joke) North Vs south rim= You will spend more money in the south rim. Half a day at both is plenty. The point is to see the canyon which you can do at both observation points. North rim has a great restaurant overlooking the ca...
by BenAiken
Thu Dec 02, 2010 12:53 pm
Forum: Personal Consumer Issues
Topic: Spanish woman claims ownership of the sun
Replies: 37
Views: 4604

I am writing this letter to ask you to stop furnishing your services as they are no longer wanted.

If you continue to supply your service of sunlight to me it will be considered a gift as my request has asked you to stop.

Thank you
by BenAiken
Tue Nov 30, 2010 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Acct. Rep. compensation/behavour
Replies: 31
Views: 6087

I guess I'll chime in as a former Fidelity Employee. Fidelity as the company specifically believes that active management can beat passive management. It was hanging on my wall in a lot more words. We did on occasion push but it was usually for people to get into the portfolio advisory service group...
by BenAiken
Wed Nov 24, 2010 7:55 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer Suggestions
Replies: 44
Views: 4635

Ben Aiken In addition, several websites like extremetech, techspot, tomshardware, and many more will do all the dirty work and tell you exactly what components to buy in order build a single machine in case you don't have the time or the know how. Ben could you please clarify the above? That is, if...
by BenAiken
Wed Nov 24, 2010 9:58 am
Forum: Personal Consumer Issues
Topic: Desktop Computer Suggestions
Replies: 44
Views: 4635

the days of buying components and building it yourself, or picking out components as a local chop shop and hoping they'll all work and there are no hidden bottlenecks like the mother board, or hard drive speed, etc. are over, i believe. it's like DIY car maintenance... those days are gone. the engi...
by BenAiken
Wed Nov 24, 2010 9:48 am
Forum: Personal Consumer Issues
Topic: Windows 7: Worth the upgrade from XP
Replies: 47
Views: 6183

The last reason to upgrade is that windows will no longer provide security updates for XP.
by BenAiken
Wed Nov 24, 2010 9:47 am
Forum: Personal Finance (Not Investing)
Topic: CFP okay for completing tax returns? Or go with CPA?
Replies: 15
Views: 1698

For me I would look at the cost. does the CPA cost the same as the CFP. If so go for the CPA. I would also look to see if the CFP graduated with an accounting degree and what formal training he has in the way of taxes. My one problem with a CPA is they they usually don't take into account the risk f...
by BenAiken
Tue Nov 23, 2010 9:23 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer Suggestions
Replies: 44
Views: 4635

Zaplunken A custom built pc by a local shop is probably a little more expensive (tho maybe not, they may actually save you by not selling you stuff you don't need) and the components will be far superior to the crap Dell or probably all large pc manufactures use. I have great respect for LadyGeek, ...
by BenAiken
Tue Nov 23, 2010 8:39 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer Suggestions
Replies: 44
Views: 4635

an I-3 is perfect for video playback and you shouldn't need any more than that in a desktop. (a laptop is a different story) I do however recommend you get a computer with a non integrated graphics card. You can try a local computer shop. You will want one that has been around for more 5 years. The ...
by BenAiken
Fri Nov 19, 2010 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Windows Vista to 7
Replies: 20
Views: 2359

Re: Windows Vista to 7

I have an IBM computer with Vista. Can I easily convert it to Windows 7. Has anyone here done it? Vista can be upgraded easily to Windows 7. You can check at Microsoft web site. Here is the link: Windows 7 Upgrade Advisor - Find out if your PC can run Windows 7 Yes, use the upgrade adviser as it wi...
by BenAiken
Thu Nov 18, 2010 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Closing costs
Replies: 5
Views: 1013

Closing costs

I'm looking to refi a 123,000 mortgage note but the closing costs seem too high to me. I was thinking it should be about 2000 to 2500 dollars but the good faith estimates have all been between 3400 to 5500. Am I looking at the wrong companies or is my expectation of about $2250 in closing costs wrong?
by BenAiken
Thu Nov 18, 2010 3:26 pm
Forum: Investing - Theory, News & General
Topic: Historic stock data downloads?
Replies: 8
Views: 1323

This is a fabulous site for data as well.

http://mba.tuck.dartmouth.edu/pages/fac ... brary.html
by BenAiken
Thu Nov 18, 2010 3:21 pm
Forum: Investing - Theory, News & General
Topic: Historic stock data downloads?
Replies: 8
Views: 1323

Try the FRED for other economic indicators and treasuries.

research.stlouisfed.org/fred2/
by BenAiken
Wed Nov 17, 2010 9:34 am
Forum: Personal Finance (Not Investing)
Topic: What should I do with a -$500 escrow balance?
Replies: 13
Views: 1572

Check with the county to see if the second payment has posted. CA is great as most counties will list online the installments that have been paid. Call you mortgage company and tell them that the second payment has posted (as it will automatically post to the 2nd installment), or that the first paym...
by BenAiken
Mon Nov 15, 2010 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Small business: which company for 401k?
Replies: 3
Views: 831

with 5 employers I'd look into a SEP, simple, or another small 401k type of account
by BenAiken
Mon Nov 15, 2010 3:37 pm
Forum: Personal Consumer Issues
Topic: Windows 7: Worth the upgrade from XP
Replies: 47
Views: 6183

I recommend getting a windows 7 64-bit home premium. Don't get the 32-bit as more and more software is beginning to move to 64 bit and hardware already has. ( think of having a single line of people walking through a single door = 32 bit. 64 bit means you have a double line of people walking throug...
by BenAiken
Mon Nov 15, 2010 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones Recommended Mutual Funds?
Replies: 20
Views: 7832

Some of the replies are focusing on the individual "adviser" however the question is more of a company to company question. So in short the answer is yes. Deals will be made to share in the expense ratio fee and/or 12-b1 fees. This money goes directly to the company itself (Edward Jones) and not dir...
by BenAiken
Mon Nov 15, 2010 11:29 am
Forum: Personal Consumer Issues
Topic: synchronize files from my desktop computer to my laptop ???
Replies: 14
Views: 2051

If you have the ms office suite Groove sync is included and can be used for that.
by BenAiken
Mon Nov 15, 2010 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Series 66 Question
Replies: 2
Views: 543

Good question, I would visit the SEC website and look at the rules.
by BenAiken
Mon Nov 15, 2010 11:10 am
Forum: Personal Consumer Issues
Topic: New PC Monitor/Old Graphics Card Compatible?
Replies: 19
Views: 3422

Will it work with the new monitor? Yes Will the monitor perform at its optimal output? probably not Should you upgrade your computer? No, as it is too out dated Should you buy a new computer? Maybe Does the current computer still perform to you expectations? How much should you spend? If you don't d...
by BenAiken
Thu Nov 11, 2010 1:16 pm
Forum: Personal Consumer Issues
Topic: Are Macs that much easier than Windows Machines?
Replies: 238
Views: 21735

The specs are not equal, and can never be. Condisdering that apple no longer produces there own CPU (they use the same intel chips as PC's) The graphics card or chip is produced by either nvidea or amd. The only real difference is the RAM and the mother board. But mac might only use marginally bett...
by BenAiken
Thu Nov 11, 2010 1:08 pm
Forum: Personal Consumer Issues
Topic: Are Macs that much easier than Windows Machines?
Replies: 238
Views: 21735

I am thinking of getting a Mac for security reasons. I am tired of all the security software I need with windows. I am tired of worrying about the computer being hijacked or ruined by virus, trojan, malware of all sorts. No offense but you've been dupped by bad rumors. All those are readily found o...
by BenAiken
Wed Nov 10, 2010 3:28 pm
Forum: Personal Consumer Issues
Topic: What is next for the home PC users after Windows 7?
Replies: 29
Views: 3193

Back in the 70's and 80's cloud was big and faded away. It is very possible that cloud computing could be part of a cycle that comes and goes. However, with the ability of devices to connect to the internet or networks and more to come cloud computing can only grow. Especially if you think of the ne...
by BenAiken
Wed Nov 10, 2010 12:21 pm
Forum: Personal Consumer Issues
Topic: Are Macs that much easier than Windows Machines?
Replies: 238
Views: 21735

Before this thread degenerates into a Mac vs PC debate, I would just advise her to go into an Apple store and play with them for a while. If she has absolutely no computer knowledge, I don't think the learning curve for either are much different. There are differences in navigating the windows 7 OS...
by BenAiken
Wed Nov 10, 2010 12:16 pm
Forum: Personal Consumer Issues
Topic: Windows 7: Worth the upgrade from XP
Replies: 47
Views: 6183

As a huge fan of XP and a Hater of Vista I will say that windows 7 is great. It has some great features that improves usability, it also has improved security and the performance is better than vista. Some of the new features takes some getting used to but you will find they are an improvement from ...
by BenAiken
Wed Nov 10, 2010 11:57 am
Forum: Investing - Theory, News & General
Topic: Adam Bold's Mutual Fund Stores?
Replies: 83
Views: 64517

Re: The Mutual Fund Store

I've listened to his radio show, and his general financial advice seemed okay. But, the one thing I didn't really like was that he was always touting active funds and talking about investing with the best fund managers, and implying that your investments were something that needed constant managing...
by BenAiken
Wed Nov 10, 2010 11:54 am
Forum: Personal Consumer Issues
Topic: How can I do a clean reinstall of Windows 7?
Replies: 9
Views: 1174

You can always find a torrent that will will allow you to download a none bloat ware copy of windows 7 and use you cd key. For that download and install utorrent then go to torrentz.com and search example: windows 7 OEM home 64 bit Choose one of the links and then choose download torrent. Open that ...
by BenAiken
Tue Nov 09, 2010 3:23 pm
Forum: Investing - Theory, News & General
Topic: Dollar hedging
Replies: 32
Views: 3345

In the short term quantitative easing will affect the dollar, however in the long term market forces trump government meddling. As of right now I am worried about my long term gains in international markets as I expect the dollar will eventually gain in value.
by BenAiken
Wed Nov 03, 2010 9:50 am
Forum: Investing - Theory, News & General
Topic: Gold 10,000!!!
Replies: 31
Views: 4553

Re: Gold 10,000!!!

hsv_climber wrote:
Indices wrote: Pension fund manager predicts gold will hit 10,000 an ounce.
I believe him. I think it will happen on March 13, 2078. Please mark your calendar and then post in this thread to confirm that I was correct.
2078 or later
by BenAiken
Fri Oct 29, 2010 2:09 pm
Forum: Personal Consumer Issues
Topic: Windows Vista: How to Remove "STARTUP" Programs?
Replies: 15
Views: 2416

Free program's (which are nearly impossible to find on a mac due to its closed architecture and almost always available for free on linux)

A good free program for managing your Windows startups is Ccleaner. Works good for cleaning your computer too.
by BenAiken
Fri Oct 29, 2010 2:04 pm
Forum: Investing - Theory, News & General
Topic: Market-timing advisors.
Replies: 34
Views: 4583

I was at Fidelity at the time in October 08 and March 09. Regardless of what you said people sold. They were in panick mode and thinking the market was going to crash. Just because you are an adviser does not mean you can stop people from selling out of everything. If someone wants to sell they will...
by BenAiken
Fri Oct 29, 2010 1:48 pm
Forum: Investing - Theory, News & General
Topic: How To Make 7% More Than Index: The Insider Trading Anomaly
Replies: 17
Views: 3058

Insiders buy stocks for one reason; and that is to make some gains. (unless a contract encourages purchases of the stock) However, the reasons to sell are many. Are they cashing out to buy a house or do they think the stock is going down? Either way it is a lot of work to constantly track buys and s...
by BenAiken
Wed Oct 27, 2010 3:48 pm
Forum: Personal Consumer Issues
Topic: Sketchers Sneakers
Replies: 10
Views: 1759

The study

My mom and wife conspired against me so I now have a pair of shape ups. The test study they quoted said participants lost about 1.31% of their weight compared to .3% of those that didn't wear the shoes. However, I was unable to find if it was statistically significant. In addition, this article by N...
by BenAiken
Wed Oct 27, 2010 10:48 am
Forum: Investing - Theory, News & General
Topic: Equation for deciding to invest in an annuity
Replies: 0
Views: 453

Equation for deciding to invest in an annuity

Those who have worked in the finance or insurance field get fed the line that if there is a product then someone is suited for it. So is it true? Hypothesis: Will investing in a tax differed variable annuity be better then investing in a regular account? Scenario: 401k Maxed out and IRA maxed out. i...
by BenAiken
Wed Oct 20, 2010 11:29 am
Forum: Personal Consumer Issues
Topic: Forgot the title of a book please help
Replies: 7
Views: 1528

Thanks that was the clue I needed. Found it using Google books.

Unlimited wealth: the theory and practice of economic alchemy
by BenAiken
Wed Oct 20, 2010 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance Question - Drop Comprehensive/Collision ?
Replies: 32
Views: 8114

rule of thumb is 8-10 years old drop collision. If you get a lot a rock chips you might want to keep comprehensive for windshield repair if it is a small deductible.

If you have 2-3k in an emergency fund I would drop coverage to liability only.
by BenAiken
Wed Oct 20, 2010 11:02 am
Forum: Personal Consumer Issues
Topic: Forgot the title of a book please help
Replies: 7
Views: 1528

Forgot the title of a book please help

I read a book about 3 years ago about how people have tried to corner the market of natural resources only the fail as technology advancement made it so those natural resources were no longer in as high of a demand. It talked about silver and photographs, when silver got too expensive advancement in...
by BenAiken
Tue Oct 19, 2010 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: My 88yo grandmother has ~$275k lying around....
Replies: 26
Views: 4038

Just make sure you are getting the best deal as there are times when a taxable fund will be better.

Yield of muni fund/ (1-tax rate) = Tax equivalent yield.
by BenAiken
Tue Oct 19, 2010 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Help with Starting Socially Responsible Investment
Replies: 57
Views: 6059

I read this article about corporate governance however I have yet to see a fund that invests in it. I'm sure if there was it would be expensive. Firms with the greatest shareholder rights outperformed firms with the fewest shareholder rights by a risk-adjusted 8.5% per year (0.29 - - 0.42 = 0.71 x 1...
by BenAiken
Wed Oct 13, 2010 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: any love for midcap indices?
Replies: 5
Views: 1266

10 percent of my overall portfolio is in mid cap with an equal percentage in small cap.

As previous poster pointed out it has better returns than the large cap with less volatility than small cap.
by BenAiken
Wed Oct 13, 2010 2:41 pm
Forum: Investing - Theory, News & General
Topic: Who "overweights" large and growth?
Replies: 47
Views: 6694

According to the Sharp ratio Large cap stocks are historically better, However I think value large cap outperforms growth large cap historically. If I expected the trends to continue I would overweight large value not growth. I overweight sectors I expect to outperform and don't mess too much with w...
by BenAiken
Tue Oct 12, 2010 9:31 am
Forum: Personal Consumer Issues
Topic: Do you buy organic foods?
Replies: 148
Views: 14940

I eat organic as much as possible and have for the past 35 years. It is expensive but I look at it as investment. I am 59. I had a recent physical that my doctor told me whatever you are doing, keep doing it. The quality of nutrition of organic and non-organic is night and day. Even the flavor is s...
by BenAiken
Tue Oct 12, 2010 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Persuing Finance degree, somewhat unsure of future
Replies: 26
Views: 4038

you're a sophomore with 2-3 years until you graduate the job market should be better by then.
by BenAiken
Mon Oct 11, 2010 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using BrokerageLink option with Fidelity 401-K?
Replies: 11
Views: 3617

The trick is usually setting up and funding the account. Once that is done it is usually smooth selling. Stay away from the Vanguard mutual funds at Fidelity as they all have $75 fee attached. It is fine as Fidelity has several index funds to choose from as well as a whole range of ETF's Good luck
by BenAiken
Mon Oct 11, 2010 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Any jewelers on the forum? (Engagement ring help!)
Replies: 65
Views: 15185

Fake diamond or other type will depend on the personality and expectations of your girlfriend. Size: same as above. Cut, if you go irregular you can lower your price a bit. Consider a tear drop instead of the standard round or princess. If she likes gold they then you can get a diamond with a little...
by BenAiken
Mon Oct 11, 2010 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Is it possible to re-deposit into an IRA for the same year?
Replies: 19
Views: 2066

why don't you just re-characterize your Roth back to a traditional IRA? That's what you need to do. If your money is at Fidelity their retirement department can review your account and walk you through the process. I'm unsure if Vanguard is as helpful and I don't have any experience dealing with th...
by BenAiken
Fri Oct 08, 2010 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Advisor
Replies: 52
Views: 3849

Re: Advice on Advisor

Greetings! Glad to be here and posting. I have a little problem and need some insight and advice. About two years ago I hired on an advisor - the kind that is a fiduciary. Well about 2 months ago I got a statement from them that said I can request an "ADV Part 2" from them. I wasn't familiar with t...