Search found 55 matches

by ExcelJunkie
Sat Oct 07, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 2204

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

Sure, your career trajectory may slow down a bit. There's no way to know for sure, but you should ask yourself if later you may regret not taking the 12 weeks. That's the question I asked myself when we were expecting our first. My company also allows 12 weeks Paternity leave and I wrestled with wha...
by ExcelJunkie
Fri Feb 21, 2014 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving a small amount of student debt for child to pay off?
Replies: 45
Views: 3769

Re: Leaving a small amount of student debt for child to pay

This is really a 'to each their own' type of question. Some parents (like mine) choose the route of leaving the loans for their children to pay off. My siblings and I were fortunate in that they also equipped us with an understanding of how to achieve wealth - pay down debt and invest early/often. T...
by ExcelJunkie
Fri Feb 14, 2014 11:32 am
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 2268

Re: People Search - paying for data?

I have a close friend who used an online service (not sure which one) to find a long lost sibling. He paid ~$20 for the contact info and was given an address and phone number. Both were correct and he was able to get in contact. If you Google the name of the site you are considering using you may fi...
by ExcelJunkie
Tue Jan 28, 2014 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Successful out-of-state job search strategy?
Replies: 3
Views: 720

Re: Successful out-of-state job search strategy?

Quick post to bump this thread. I am beginning an out of state job search in a couple months. I will be doing the following: 1. Identify the top companies I would like to work for and scan their careers page to identify openings in my field. If openings are available I'll apply and follow-up. If no ...
by ExcelJunkie
Fri Jan 03, 2014 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio
Replies: 4
Views: 573

Re: Overall Portfolio

You've done a great job getting to where you are and this site can help you clarify where you want to go next. I'm sure other posters (such as nordlead above) will give you more actionable advice on your portfolio and questions, so the purpose of my response is to simply say - be careful of lifestyl...
by ExcelJunkie
Sun Dec 15, 2013 10:21 pm
Forum: Personal Consumer Issues
Topic: Good book for gift to high school senior?
Replies: 31
Views: 3650

Re: Good book for gift to high school senior?

Would highly recommend 'How Will You Measure Your Life?' by Clayton Christensen. Offers good advice on personal and professional life.
by ExcelJunkie
Thu Jul 18, 2013 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: College Grad Investing Help
Replies: 2
Views: 322

Re: College Grad Investing Help

So I just recently graduated from college with a degree in computer science with $10,000 in student loans at a blended interest rate of approximately 3.7%. heyheyha - Welcome to the forum. Can the loans be separated so that each can be paid separately? If so, you may wish to explore if some loans h...
by ExcelJunkie
Thu May 16, 2013 11:27 am
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 38
Views: 3704

Re: Airfare keeps going up. Buy now or wait?

Victoria - I'm a strong believer that the process of purchasing airline tickets is currently broken and is a field ripe for disruption in the coming years. In the meantime we have a lack of visibility and are left hoping we got the best deal at the time of purchase. One thing that may help is to del...
by ExcelJunkie
Tue Mar 12, 2013 9:54 pm
Forum: Personal Consumer Issues
Topic: Amazon Item Price Change
Replies: 17
Views: 2949

Re: Amazon Item Price Change

For higher consideration purchases on Amazon I leverage http://camelcamelcamel.com/ This site allows me to understand how the price of an item has changed over time. If the item regularly goes on sale I set a price alert and get an email the next time the price drops. Not sure the savings is always ...
by ExcelJunkie
Sat Feb 09, 2013 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff
Replies: 5
Views: 1566

Re: Student Loan Payoff

Congratulations. Hopefully you and your wife find happiness in the flexibility that having less debt provides.

Your post is inspirational as we work down our own student loan debt.
by ExcelJunkie
Sun Jan 20, 2013 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: [Should I Buy a] House?
Replies: 11
Views: 1305

Re: House?

I'm a little more conservative than some on this board, but I would NOT take money out of retirement to purchase a home OR buy a house w/o putting 20% down. This 20% protects you against the risk of unforseen life changes/market changes, etc. that leave you the flexibility to sell and leave the hou...
by ExcelJunkie
Fri Aug 03, 2012 5:01 pm
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 44
Views: 17789

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

I would agree with the Costco recommendation, and add that Lands End has quality no-iron shirts that regularly go on sale for under $30.
by ExcelJunkie
Wed Apr 25, 2012 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult mother financially
Replies: 65
Views: 5706

Re: Helping adult mother financially

To the OP - I wish you the best of luck in this situation. As many other posters said this seems to be a no-win scenario. I would encourage you to turn to your wife in this situation and listen closely to her thoughts and feelings. It's interesting how our spouses sometimes know more about us than w...
by ExcelJunkie
Mon Apr 23, 2012 2:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1489737

Re: What Book Are You Currently Reading? Part V

Colorado13 wrote: I just finished "The Power of Habit: Why We Do What We Do in Life and Business" by Charles Duhigg. The author discusses a bit of brain science, memory and habit. He describes how habit led to one woman's gambling addiction, how retailers analyze our buying habits to increase our s...
by ExcelJunkie
Wed Apr 11, 2012 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Career counseling
Replies: 17
Views: 1467

Re: Career counseling

I'm nearing the end of a similar "re-visioning" of my career path and what I found the most helpful (in addition to talking to my wife and my mentors), was reading. There are a lot of great books regarding career-pathing. Whether your friend is looking to change the field he's in, or just move compa...
by ExcelJunkie
Tue Feb 28, 2012 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Average Household Income - Where can I find Data
Replies: 5
Views: 671

Re: Average Household Income - Where can I find Data

Try here: http://www.census.gov/hhes/www/income/data/historical/household/2010/H08_2010.xls It's even in excel already 8-) Dave ps. actually 2 data sets here, one in constant dollars, one in 2010 dollars. Thanks a bunch Dave, and I appreciate the quick reply. You just helped me win an argument at w...
by ExcelJunkie
Tue Feb 28, 2012 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Average Household Income - Where can I find Data
Replies: 5
Views: 671

Average Household Income - Where can I find Data

I'm looking to compare Average Household Income in the United States 2005 vs 2010.

Does anyone know where I can get a good source for Average Household Income by year? Median income also works. Thanks!
by ExcelJunkie
Thu Feb 23, 2012 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for kids
Replies: 66
Views: 5976

Re: Roth IRA for kids

Wow- quite a fire storm over this. Thanks for questioning my trust in my kid and my ethics since none of you know me at all. My ethics are above reproach. I know all of you are perfect, but if everyone can get off of their soapbox for a minute, let me throw a scenario out there..... a great kid get...
by ExcelJunkie
Wed Dec 28, 2011 6:06 pm
Forum: Personal Consumer Issues
Topic: Best Films of 2011
Replies: 21
Views: 2270

Re: Best Films of 2011

Crazy, Stupid, Love <--- very good movie to watch with your significant other. You both will likely enjoy it
by ExcelJunkie
Wed Jun 22, 2011 4:33 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 13252

Objective data thus far: 1. The OP lives in a city who has ruled the Pit Bull as a "dangerous dog". 2. His insurance is going up $300 more per year due to this dog. 3. He now needs to take out an extra umbrella liability policy because of this dog. $$$$ 4. From the reaction on this board, his neigh...
by ExcelJunkie
Wed Jun 22, 2011 9:47 am
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 13252

First off, thank you for all the replies. Especially to those who shared personal experiences and linked articles. I'll try to reply to some questions/comments directed at me, though I can't get to them all. I hope the OP gets back to us after speaking with his insurance carrier. It is quite possibl...
by ExcelJunkie
Tue Jun 21, 2011 3:36 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 13252

Thoughts on Pit Bulls

My wife are looking into getting a dog and are leaning towards the American Pit Bull Terrier. We love many things about the APBT and the breeder we are considering - history of good health, medium to high energy, relatively intelligent. We want a dog that we can do many things with - go on jogs, hik...
by ExcelJunkie
Tue May 03, 2011 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12395

mathwhiz, I think you may be approaching Love with the same analytical mindset that you view your finances with. When I treated my fiance with this outlook things didn't go so well. After all, she's a human being, and putting a person's thoughts, personality, and feelings into Excel is awfully diffi...
by ExcelJunkie
Mon Apr 04, 2011 10:53 am
Forum: Personal Consumer Issues
Topic: Software "Upgrades": RANT
Replies: 45
Views: 5616

Oh quit being a Luddite! (kidding of course) You bring up a couple very interesting points. The one I'd like to focus on is how 'upgrades' do more harm than good. Switching from one version of a program to a different version generally comes with some 'bumps' (to put it lightly). It doesn't always h...
by ExcelJunkie
Wed Mar 30, 2011 4:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin Bogleheads Meeting
Replies: 32
Views: 10207

Cannot make this meeting....turns out planning a wedding and buying a home are very time consuming. If the meeting was closer to Madison I'd have a better shot of attending, but I'll likely not be able to make a meeting this summer. Best of luck and I look forward to hearing about the success of thi...
by ExcelJunkie
Tue Mar 22, 2011 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: are you male or female?
Replies: 119
Views: 12467

Very cool idea for a poll.

I'm going to use the old 80/20 rule for my guess. 80% male, 20% female.
by ExcelJunkie
Mon Mar 21, 2011 12:16 pm
Forum: Personal Consumer Issues
Topic: Disney World - Any tricks on pricing?
Replies: 36
Views: 5759

Thank you for all the excellent advice. I very much appreciate the thoughts on what parks or rides you liked and didn't like. I'm picking up a copy of "The Unofficial Guide Walt Disney World" from my library and looking forward to checking it out. A bit more info: -We will NOT be staying on site. So...
by ExcelJunkie
Sun Mar 20, 2011 12:50 am
Forum: Personal Consumer Issues
Topic: Disney World - Any tricks on pricing?
Replies: 36
Views: 5759

Disney World - Any tricks on pricing?

Going to Disney World has been a dream of my wife's since she was a little kid. So this summer when we are in the Orlando area we plan to visit at least one (and hopefully a few) of the Disney World theme parks. After looking up prices online I about had a heart attack. Is there any tricks to gettin...
by ExcelJunkie
Tue Feb 22, 2011 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Life change, Financial Plans, Mortgage and More
Replies: 7
Views: 1294

I do plan on concentrating my efforts on the student loans. As mentioned, there is about $100K that needs to be paid of quickly as the interest rate is currently at 6.8% and has the ability to rise, however the largest chunk is at 2.8-3.8%. Obviously, paying it off quickly would be ideal, but I'm n...
by ExcelJunkie
Sat Feb 19, 2011 10:00 am
Forum: Investing - Help with Personal Investments
Topic: What to do with big tax refund?
Replies: 17
Views: 1776

I'd recommend boosting your Emergency fund a bit. If you feel that 6 months is too much then have 4 months expenses saved. Then over the next few months/year I'd eliminate the credit card debt. Once the credit cards are gone it should be relatively easy to save up for decent used car. Best of luck i...
by ExcelJunkie
Fri Feb 18, 2011 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How important is a large downpayment?
Replies: 38
Views: 4229

dsmil - I understand exactly what you are going through as my wife and are in a similar place and are also in our early 20's. It is very difficult to look around and see your friends purchasing a home, and at the same time hearing from them and others that you should be getting a house. It is very e...
by ExcelJunkie
Wed Feb 16, 2011 2:26 pm
Forum: Investing - Theory, News & General
Topic: Misleading advertising?
Replies: 15
Views: 1487

No matter how many people are in a room, there will always be someone who is taller than the average! But what if only one person is in the room? Or what if the room is empty? Or what if the room isn't even a room at all...oh man! Which weighs more a pound of gold or a pound of feathers? That's eas...
by ExcelJunkie
Tue Feb 08, 2011 12:03 pm
Forum: Personal Consumer Issues
Topic: History of Russia - Book Recommendation
Replies: 24
Views: 2664

History of Russia - Book Recommendation

I've been in a history mood as of about 7 minutes ago so I've been requesting books from my local library. Does anyone have a good recommendation of a book discussing the history of Russia. Something covering the last 300+ years would be great. Feel free to throw out other books on the history of co...
by ExcelJunkie
Sat Jan 22, 2011 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Cage Match: Student Loans vs Roth IRA vs E-Fund
Replies: 7
Views: 1267

I think $1000 should go into her Roth to open STAR fund (that can be switched to another fund of your choice once it gets above $3000). And then you could put $500 into the student loan debt. I really like this idea, as well as the others presented here. Any idea on how to lower student loan intere...
by ExcelJunkie
Fri Jan 21, 2011 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Cage Match: Student Loans vs Roth IRA vs E-Fund
Replies: 7
Views: 1267

Cage Match: Student Loans vs Roth IRA vs E-Fund

My beautiful wife and I are having a discussion regarding where our tax refund should go. We will be getting about a $1500 refund in early February. In 2010 we put $4,330 towards my Roth IRA, and nothing towards a Roth for her. Emergency funds = 1 month Debt: Student Loans ~55k @ 7% Tax Filing Statu...
by ExcelJunkie
Wed Jan 19, 2011 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my Mother
Replies: 4
Views: 719

The first step may be to help her establish goals. Is she currently retired? If not, when does she want to retire? As she is working on laying out her goals you can spend time educating yourself about investing. check out: http://www.bogleheads.org/readbooks.htm I am new to investing and have found ...
by ExcelJunkie
Fri Jan 14, 2011 11:22 am
Forum: Investing - Theory, News & General
Topic: Why Active Equity Management Stinks [Article]
Replies: 8
Views: 1360

Why Active Equity Management Stinks [Article]

Very interesting article found on Yahoo Finance (unlikely, I know) which discusses a study done by State Street Global Advisors on performance of actively managed funds. Sorry if this was previously posted. http://finance.yahoo.com/news/Why-Active-Equity-Management-usnews-1460826030.html;_ylt=ApBZCZ...
by ExcelJunkie
Wed Jan 05, 2011 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Youth and Social Security
Replies: 84
Views: 7292

Re: Youth and Social Security

In an ideal world SS would be an opt-out program so I could keep more of my money and invest it as I saw fit (Boglehead Style) What your expectation for real return on your investments based on boglehead style investing? When estimating how much I will need to save per year to get to my 'number' I ...
by ExcelJunkie
Wed Jan 05, 2011 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Youth and Social Security
Replies: 84
Views: 7292

Re: Youth and Social Security

For the Generation Y people out there who are saving for retirement, do you factor in social security income at all? I am 24 and do not factor Social Security into retirement planning and plan to live off the money that my wife and I will invest. That being said, I do expect Social Security to stil...
by ExcelJunkie
Thu Dec 30, 2010 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Strategizing my 2011's bonuses
Replies: 2
Views: 887

Hi CSAstor - welcome to the forum. Congratulations on the new job and your upcoming graduation. I think you'll find some great advice on these boards (better than what I can provide anyway) Assuming you max out your Roth and contribute to get the employer match on your 401k I would use the bonuses t...
by ExcelJunkie
Wed Dec 29, 2010 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Don't you wish we could talk about money?
Replies: 167
Views: 21019

Congrats rrosenkoetter! This year I reached the 'one-comma' milestone and your achievement is an inspiration for me to keep going. If only the second comma would come as fast as the first one did. :D Maybe take the wifey out to her favorite restaurant to congratulate you both for the hard work and p...
by ExcelJunkie
Thu Dec 23, 2010 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: New to the site - basic investment advice needed?
Replies: 27
Views: 3984

Hi Ryebrook, welcome to the boards :) Opening up a Roth for each of you is a great choice if you are looking to invest this money towards retirement. You could dump 10k (5k each) into Roth this year, and then the other 5k into one of your Roth accounts in 2011. Another option is to throw the extra 1...
by ExcelJunkie
Thu Dec 23, 2010 12:35 pm
Forum: Personal Consumer Issues
Topic: The Santa Brand Book
Replies: 0
Views: 385

The Santa Brand Book

Ever wonder how much thought goes into the branding of Santa?

http://www.quietroom.co.uk/santa_brandbook/

Merry Christmas Boggleheads :)
by ExcelJunkie
Wed Dec 22, 2010 8:52 am
Forum: Investing - Help with Personal Investments
Topic: New Investor AA
Replies: 7
Views: 1130

Thank you noobvester and Laura. I'll throw all my investments in the target retirement funds until I have an amount that allows for me to setup the AA myself. Also thank you for the link to the Vanguard Study on International Allocation. I've got a lot of learning to do and look forward to reading j...
by ExcelJunkie
Tue Dec 21, 2010 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor AA
Replies: 7
Views: 1130

pkcrafter wrote:Are you really risk averse as you stated?

Paul
I corrected my statement in the opening post as well as saying that I am good with a high risk portfolio -“A ship is safe in harbor, but that's not what ships are for.” :D
by ExcelJunkie
Tue Dec 21, 2010 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor AA
Replies: 7
Views: 1130

Excel junkie, welcome to the forum, I did not get too far into your post before the red flags went up. Overall I am very risk adverse (averse) Desired Asset allocation: 90% stocks/10% bonds These two statements are strongly opposed. I think you are going to have to get a better handle on risk and a...
by ExcelJunkie
Tue Dec 21, 2010 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor AA
Replies: 7
Views: 1130

New Investor AA

Hi all – I’m new to investing and have been reading this forum daily for a couple months and plan to continue my education by reading the books suggested in the wiki. Right now I’m looking for some advice on my AA and which funds to invest in. I am perfectly fine with the ups and downs of the market...
by ExcelJunkie
Tue Dec 14, 2010 5:46 pm
Forum: Investing - Theory, News & General
Topic: A lottery story with a cryptic passage
Replies: 10
Views: 1682

FredPeterson wrote:Just because it says "Financial Advisor" doesn't mean its someone taking a comission or load.
I support Fred, if only because he is also from Madison.
by ExcelJunkie
Tue Dec 14, 2010 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Load Fees & Active Investing
Replies: 15
Views: 1460

dbr wrote:Can you identify the fund by name and ticker symbol, and is this man working for or affiliated with a brokerage or what?
I will have to ask my friend to determine the fund name (or grouping of funds). The man he goes through works for a brokerage.
by ExcelJunkie
Tue Dec 14, 2010 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Load Fees & Active Investing
Replies: 15
Views: 1460

Thank you for the quick replies - I think he doesn't know his own fund well enough. When I asked these questions he insisted that there was no yearly fee or any fees other than the 5% load. My instinct was that he was mistaken, but I'm not knowledgeable enough about investing (yet) to rely on my own...