Search found 57 matches

by GeneralPerson
Wed Oct 24, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7850
Views: 1610653

Re: U.S. stocks in freefall

So, you fed your machine future data to get future data? :happy I ran all of the historical and future data through my Illudium Q-36 Explosive Space Modulator using the latest string theory to unify growth and value (see footnote). This is what the data predict the market will do over the next mille...
by GeneralPerson
Mon Sep 17, 2018 9:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle Bobblehead
Replies: 24
Views: 2979

Re: Jack Bogle Bobblehead

I’ll buy one
by GeneralPerson
Thu Mar 29, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: Renting car when you lose your D/L out of state
Replies: 30
Views: 2563

Renting car when you lose your D/L out of state

Upon landing, I realized that my wallet is missing. I’m suppose to rent a car for my two-week road trip. The car rental company says I can’t without the drivers license. There must be something better than flying back home thousands of miles without the roadtrip? Any experience or suggestions?
by GeneralPerson
Wed Sep 06, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8268

Re: Do I need an Amazon Echo??.....

financeidiot wrote:
Wed Sep 06, 2017 4:06 pm
It's like a smart radio that tries to steal your money.
I suspect that you picked up this line from the Echo project's functional specifications.
by GeneralPerson
Thu Jul 20, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Scripters/Coders - Wanting to Learn
Replies: 17
Views: 1910

Re: Scripters/Coders - Wanting to Learn

Please look at the following book:
https://automatetheboringstuff.com
This might be very close to what you are looking for.
by GeneralPerson
Tue May 02, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Optum HSA Website Issues
Replies: 3
Views: 467

Optum HSA Website Issues

Has anyone experiencing issues with accessing their Optum HSA account. For my account I'm not able to login at all. Yesterday DW was not able to login in morning, was able to login in the evening but now its not working again. There is a terribly long hold time for contacting the customer services. ...
by GeneralPerson
Tue Dec 13, 2016 9:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 11523

Re: Boglehead's newest millionaire

Watty wrote: After about two seconds of mental math I said, "I guess that means you are making more than I did when I retired." and he just got a big grin on his face.
Proud moment for you, Watty. Thank you for sharing this story.
by GeneralPerson
Mon Aug 15, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: ITunes app for kids gadget time limits
Replies: 9
Views: 932

Re: ITunes app for kids gadget time limits

Have you looked at the "Guided Access" feature? It's part of iOS and if you enable it, you can restrict usage in a limited way. It won't work for all your use cases but its better than nothing. Here is an article with more information: http://blogs.wsj.com/personal-technology/2015/11/03/how-to-make-...
by GeneralPerson
Thu Apr 07, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with Vanguard vs Brokerage Firms
Replies: 24
Views: 3813

Re: Investing with Vanguard vs Brokerage Firms

This is very very good advice. I have quite a bit of experience and i have used etf's for my portfolio for many years. I ultimately gave in favor of simplicity and changed to mostly a mutual fund portfolio. With the way vanguard admiral mutual funds are structured, you can convert them to etf later ...
by GeneralPerson
Tue Feb 16, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: Investing Website You Follow
Replies: 16
Views: 2754

Re: Investing Website You Follow

The Finance Buff, the Oblivious Investor and the White Coat Investor.
by GeneralPerson
Sun Dec 13, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: Few hours in Paris - what do to?
Replies: 13
Views: 1533

Few hours in Paris - what do to?

I have a stopover in Paris with about 12 hours between flights. I'm guessing that I can have good 6 hours to get a feel of Paris. Any suggestions for how to best use this time ?
by GeneralPerson
Mon Aug 17, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Colorado Circle Tour
Replies: 28
Views: 2888

Re: Colorado Circle Tour

OP here.. Thank you for the great response. I'll reply back after incorporating some great suggestions. Meanwhile, I have two questions: 1. I'm thinking about driving up to the Pikes Peak (14'er). Thought of heights and no guard rails is giving me goosebumps :). I have rented a standard-size car. Do...
by GeneralPerson
Sun Aug 16, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: Colorado Circle Tour
Replies: 28
Views: 2888

Colorado Circle Tour

We are planning a Colorado circle tour in late August/early September. We have 9 days and we fly into Denver and leave from Denver as well. We are planning our trip like this: Day 1: arrive Denver early in the morning. Drive to Colorado Springs. Visit Gardens of the Gods. Stay in Colorado Springs. D...
by GeneralPerson
Tue Aug 11, 2015 10:18 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri Launching A Robo Advisory
Replies: 31
Views: 8313

Re: Rick Ferri Launching A Robo Advisory

Is this service live? What is the web address for additional information?
by GeneralPerson
Tue Jun 30, 2015 11:07 pm
Forum: Personal Consumer Issues
Topic: Quebec City Suggestions
Replies: 19
Views: 2561

Quebec City Suggestions

I'll be soon visiting Quebec City for three night. I'll be staying in the Marriott in old town. I haven't planned anything else. I'll be traveling with family (elementary school age kids). What would you suggest for things to do? How walkable is the city? I'll be driving so what are good options to ...
by GeneralPerson
Fri Jun 26, 2015 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Any brokerage that offers commission free Vanguard mutual funds?
Replies: 21
Views: 4781

Re: Any brokerage that offers commission free Vanguard mutual funds?

PS after posting the above: Out of curiosity, I looked up TD Ameritrade's fee list. They don't charge for a partial transfer of assets, but they charge $75 if you transfer out an entire account. TD Ameritrade will not charge account transfer fees if your combined account balance is over $100K. That...
by GeneralPerson
Wed Jun 24, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plan and GST
Replies: 0
Views: 721

529 Plan and GST

When I opened a 529 plan, I named myself as the beneficiary as I thought I might take out some money for my own education and then change the beneficiary to my older kid. When she is out of college, I'll change the beneficiary to the younger one to pay for her education. If anything is left over, I'...
by GeneralPerson
Wed Jun 24, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 vs. Michigan 529
Replies: 8
Views: 3073

Re: Vanguard 529 vs. Michigan 529

I'm surprised because I thought this was not the case. TFB has a very timely post on this topic:

http://thefinancebuff.com/529-plan-deduct-and-run.html

As per this post, Michigan does not recapture any state tax deductions.
by GeneralPerson
Wed Jun 17, 2015 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 vs. Michigan 529
Replies: 8
Views: 3073

Re: Vanguard 529 vs. Michigan 529

In the latter case, Michigan will require you to pay back the past tax breaks. The plans are of comparable quality, so there is no point in switching if you don't get tax breaks from either state. Thank you for your reply. I agree that the plans are of comparable quality, both in terms of diversifi...
by GeneralPerson
Wed Jun 17, 2015 7:21 am
Forum: Investing - Help with Personal Investments
Topic: RSU vs Stock Options
Replies: 10
Views: 1818

Re: RSU vs Stock Options

Thank you everyone for your helpful replies. I really appreciate.
Based on the feedback and on my personal situation, I have made a decision to go for RSU.
by GeneralPerson
Mon Jun 15, 2015 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: RSU vs Stock Options
Replies: 10
Views: 1818

RSU vs Stock Options

For an employee of a large mature company, will RSU be a better choice than stock options? What are the key factors in making such a decision?
by GeneralPerson
Mon Jun 15, 2015 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 vs. Michigan 529
Replies: 8
Views: 3073

Vanguard 529 vs. Michigan 529

Is there any significant advantage in rolling over my 529 plan from TIAA-CREF managed Michigan's 529 plan to Vanguard managed Nevada's 529 plan?
by GeneralPerson
Sat May 02, 2015 7:43 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 5866

Re: Forum is now back ONLINE!

Wow the threads look great on my mobile phone. Thank you for this.

Now if you can just fix the home page :wink:
by GeneralPerson
Mon Sep 15, 2014 10:49 am
Forum: Personal Consumer Issues
Topic: FLICKR
Replies: 7
Views: 1208

Re: FLICKR

SpringMan wrote:I just finished uploading several thousand photos to flickr.
What tool did you used to upload thousands of photos? I'm trying to find a automated way to upload a large number of photos.
by GeneralPerson
Tue Aug 05, 2014 7:16 pm
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 34
Views: 5750

Re: O Canada! Questions about traveling to Canada :-)

"if you like hiking and spectacular views, Algonquin Park, the Bruce Peninsula" +1 for this suggestion. I have been to these places and they are VERY beautiful. From Tobermory, you can also take a boat ride to the Flowerpot Island. It's very good. Algonquin in the fall season is highly recommended. ...
by GeneralPerson
Mon Jul 14, 2014 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Mimimize expenses vs. Maximize Roth contribution
Replies: 13
Views: 1816

Re: Mimimize expenses vs. Maximize Roth contribution

BL wrote:Where are your bonds located?
A little bit that I have is in the 401K account with my current employer.
by GeneralPerson
Mon Jul 14, 2014 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Mimimize expenses vs. Maximize Roth contribution
Replies: 13
Views: 1816

Re: Mimimize expenses vs. Maximize Roth contribution

You can keep the money in the old 401k and reduce or eliminate the high cost holdings by consolidating to the low cost S&P 500 fund. Use space outside the 401k to get your international and small cap stocks. No need to hold mid cap fund at all. Where else do you have assets? Taxable account, Roth I...
by GeneralPerson
Mon Jul 14, 2014 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Mimimize expenses vs. Maximize Roth contribution
Replies: 13
Views: 1816

Re: Mimimize expenses vs. Maximize Roth contribution

indexfundfan wrote:Roll the 401(k) over to a Solo 401(k). Link to Boglehead wiki:
http://www.bogleheads.org/wiki/Solo_401(k)_plan
Indexfundfan, I don't have a business. This will probably not work for me.
by GeneralPerson
Fri Jul 11, 2014 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Mimimize expenses vs. Maximize Roth contribution
Replies: 13
Views: 1816

Re: Mimimize expenses vs. Maximize Roth contribution

You said weighted average. What are the lowest cost fund options? My investment selections are: S&P 500 index fund (30%): 0.10% expense ratio US small cap (20%): 0.34% expense ratio US Mid cap (20%): 0.80% expense ratio International stock fund (30%): 0.85% expense ratio Other available funds are e...
by GeneralPerson
Fri Jul 11, 2014 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Mimimize expenses vs. Maximize Roth contribution
Replies: 13
Views: 1816

Re: Mimimize expenses vs. Maximize Roth contribution

New employer has worse investment selection with higher expense ratio. Can't move investment there.
by GeneralPerson
Fri Jul 11, 2014 1:30 pm
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 50
Views: 17998

Re: Tapatalk Integration

+1 for Tapatalk integration or a mobile-friendly design
by GeneralPerson
Fri Jul 11, 2014 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Mimimize expenses vs. Maximize Roth contribution
Replies: 13
Views: 1816

Mimimize expenses vs. Maximize Roth contribution

I have 350K in a 401K account with my ex-employer. Weighted average of expense ratio in this account is 0.51%. I have an option to move this amount to a IRA account with Vanguard and use a fund with expense ratio of 0.05%. But if I do so, my understanding is that, I won't be able to make back-door r...
by GeneralPerson
Wed Oct 30, 2013 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today [401(k)]
Replies: 76
Views: 10088

Re: Hit a milestone today [401(k)]

Madbrain, congratulations on the milestone. Your post was inspiring and amusing. I also liked the 401K spreadsheet that you have maintained. I would love to have a spreadsheet like yours but over the years, I have changed 401K providers with my employers and I don't think I have old contribution and...
by GeneralPerson
Fri Mar 29, 2013 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor contribution for 2012 - can I do it now?
Replies: 3
Views: 514

Re: Backdoor contribution for 2012 - can I do it now?

Thank you, mhc and retiredjg. I appreciate your help.
by GeneralPerson
Thu Mar 28, 2013 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Department Store Credit Cards
Replies: 29
Views: 7445

Re: Department Store Credit Cards

Is it possibly to auto-pay Kohl's charge?
jeffyscott wrote:The only store card we have and use is Kohl's. They give 15-30% off nearly all the time, to get some of these deals you have to use their card. Their store is very conveniently located for us and we buy most of our clothes and some other things there.
by GeneralPerson
Thu Mar 28, 2013 8:58 am
Forum: Personal Consumer Issues
Topic: Windows 8 photo managing/simple editing suggestions?
Replies: 21
Views: 2242

Re: Windows 8 photo managing/simple editing suggestions?

I would suggest to give Picasa another try. It is very good and has more capabilities than anything you can buy for that price.
by GeneralPerson
Thu Mar 28, 2013 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor contribution for 2012 - can I do it now?
Replies: 3
Views: 514

Backdoor contribution for 2012 - can I do it now?

Hello, I'm learning about the backdoor Roth contribution and I have a question. Is it possible to do backdoor contribution for both 2012 and 2013 now? Here is what I would like to do: March 2013: 2012 Non Deductible IRA contribution for $5,000 April 2013: 2013 Non Deductible IRA contribution for $5,...
by GeneralPerson
Mon Feb 18, 2013 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't contribute 401K to the max - can I fix it?
Replies: 11
Views: 4041

Re: Didn't contribute 401K to the max - can I fix it?

Did you already contribute anything to some kind of IRA (either traditional or Roth?) Would a contribution to tIRA be deductible for you? If not, can you make a direct contribution to Roth IRA? If not, do you know about the back door contribution to Roth IRA? No I did not contribute to any other ki...
by GeneralPerson
Mon Feb 18, 2013 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't contribute 401K to the max - can I fix it?
Replies: 11
Views: 4041

Re: Didn't contribute 401K to the max - can I fix it?

Is it perhaps possible that I can still do a contribution to tradition-IRA for the leftover amount? Will that be allowed?
by GeneralPerson
Mon Feb 18, 2013 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't contribute 401K to the max - can I fix it?
Replies: 11
Views: 4041

Didn't contribute 401K to the max - can I fix it?

Hello,

I forgot to update my automatic 401K contributions in 2012. As a result, rather than contributing the maximum allowed limit of $17,000 for 2012, I contributed only $11,000. I just realized this mistake. Is there any way, I can fix this now?

Thank you!
by GeneralPerson
Mon Jan 07, 2013 11:57 am
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 50
Views: 46855

Re: Do Whole House Humidifiers Work?

I also have an AprilAir installed but it increased my water bill so much that I had to switch it off. Does anyone else noticed a major increase in their water bills after installing a whole house humidifier?
by GeneralPerson
Wed May 16, 2012 1:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: 1st Detroit Metro Chapter Meeting - Sat. June 9th 10:30 AM
Replies: 12
Views: 2369

Re: 1st Detroit Metro Chapter Meeting - Sat. June 9th 10:30

First of all, thank you for the taking the initiative to set this up. I'll put myself as tentative for now as I have a couple of things going on that day.
by GeneralPerson
Tue May 08, 2012 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Customer Service - Wells Fargo vs. T. Rowe Price
Replies: 12
Views: 1826

Customer Service - Wells Fargo vs. T. Rowe Price

In a recent case of account transfer, I got to experience the customer service and competence level of Wells Fargo and T. Rowe Price. My wife spoke with at least 8 customer server reps at Wells Fargo. According to her, they don't know their stuff and one of them even annoyed her so much that she hat...
by GeneralPerson
Mon Jan 09, 2012 9:53 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax vs. H&R Block vs. TaxAct
Replies: 48
Views: 11725

Re: TaxAct holding company has been acquired

LonePrairie wrote:I see TaxAct has been sold to InfoSpace.

http://techcrunch.com/2012/01/09/infosp ... m-in-cash/
An SEO and advertising company, with products like dogpile... this doesn't give me a good feeling about who I'm handing over my data to.
by GeneralPerson
Wed Jan 04, 2012 10:30 pm
Forum: Personal Consumer Issues
Topic: Question for Smoothie Drinkers
Replies: 20
Views: 2285

Re: Question for Smoothie Drinkers

xerty24 wrote:Isn't K-Tec the blender Jamba Juice uses? Those things have enough horsepower to make cold soup ingredients into hot soup!
Vitamix can also turn the ingredients into soft ice cream or hot soup.
by GeneralPerson
Wed Jan 04, 2012 10:29 pm
Forum: Personal Consumer Issues
Topic: Question for Smoothie Drinkers
Replies: 20
Views: 2285

Re: Question for Smoothie Drinkers

I would suggest that you collect a few ingredients that you like and blend them together. You will probably like it but if not then you can make changes next time and learn as you go. Here are some combinations that I blend frequently: - Banana, spinach, frozen strawberry, water - Banana, spinach, f...
by GeneralPerson
Sun Jan 01, 2012 12:57 pm
Forum: Personal Consumer Issues
Topic: Best non-ipod mp3 device
Replies: 17
Views: 1898

Re: Best non-ipod mp3 device

I have an ipod touch and an Altec Lansing dock that was designed for ipod touch. The dock has an audio-in port so you can connect a sansa device to this dock with an audio cable. The disadvantage is that the dock won't charge sansa and Sansa + Dock is not as pleasant to look at as iPod + dock. As fa...
by GeneralPerson
Sat Dec 31, 2011 9:48 pm
Forum: Personal Consumer Issues
Topic: Best non-ipod mp3 device
Replies: 17
Views: 1898

Re: Best non-ipod mp3 device

I have been using a Sandisk Sansa Fuze for about 18 months. I use it almost everyday for music and audio books. It's very simple to use and works very well. I also have an iPod touch, which I like a lot, but I rarely use it for my music -- it's mostly for apps (including Pandora)! If I had to buy ao...