Search found 273 matches

by wde
Tue Sep 27, 2011 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Required 401k Contribution & Exceeding $16,500
Replies: 13
Views: 1731

ejvyas wrote:Oops sorry for the wrong answer. I have never come across such plans!
No problem, we're all here to learn.
by wde
Tue Sep 27, 2011 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Required 401k Contribution & Exceeding $16,500
Replies: 13
Views: 1731

Re: Required 401k Contribution & Exceeding $16,500

My company requires its employees to contribute 5% of their pay to their 401k. They claim that since this 5% is required , an additonal $16,500 (the IRS limit) of the employee's pay may be contributed. My question is: are they right? For example: Employee makes $100,000. 5%, or $5k is required to g...
by wde
Tue Sep 27, 2011 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Required 401k Contribution & Exceeding $16,500
Replies: 13
Views: 1731

Required 401k Contribution & Exceeding $16,500

My company requires its employees to contribute 5% of their pay to their 401k. They claim that since this 5% is required , an additonal $16,500 (the IRS limit) of the employee's pay may be contributed. My question is: are they right? For example: Employee makes $100,000. 5%, or $5k is required to go...
by wde
Mon Mar 28, 2011 8:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Huntsville, AL Bogleheads Local Chapter Established
Replies: 22
Views: 5415

I'm in on a HSV group.
by wde
Tue Feb 08, 2011 1:39 pm
Forum: Investing - Theory, News & General
Topic: Boeing admits outsourcing strategy backfired.
Replies: 4
Views: 1645

Great article. Thanks for that.
by wde
Mon Feb 07, 2011 2:53 pm
Forum: Personal Consumer Issues
Topic: Panama
Replies: 12
Views: 2099

psteinx wrote:Am I the only one here who sees this thread title and hears musical riffs by a certain hair/hard rock band going through my head?
It will now be in my head for the rest of the day.
by wde
Thu Feb 03, 2011 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should I prepay or not?
Replies: 10
Views: 1662

I'll belabor my point a little more... I'd have: (1) an emergency fund of 1 year's worth of expenses, (2) paid off all debts with interest rates greater than mortgage rate, (3/4) put aside funds for any short term plans: marriage, car, kids, vacations, (4/3) a balanced AA , which does not include em...
by wde
Thu Feb 03, 2011 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I prepay or not?
Replies: 10
Views: 1662

Yes, it does. Thanks.

To me it depends on how much cash you have, in your emergency fund and beyond.

Does your IPS include your emergency fund?

I would not include "mortgage prepayment" as a part of the fixed income portion of my AA.

But that's just me.
by wde
Thu Feb 03, 2011 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I prepay or not?
Replies: 10
Views: 1662

I've read your post a few times and I'm not entirely sure what you're talking about doing. Are you wanting to prepay your mortgage? As in pay down the principal? Do you think there are any disadvantages to not prepaying the mortgage by just simply taking the money I have earmarked for my short term ...
by wde
Fri Jan 28, 2011 7:53 am
Forum: Personal Finance (Not Investing)
Topic: What's the point in paying off my mortgage?
Replies: 12
Views: 2337

Thank you for all of the responses. Looks like I'll keep putting a little extra down since it does lower the amount I'm paying in interest each month. As long as there was some advantage to putting a little more into the payment each month, while knowing there's a 100% chance I'll move before it's p...
by wde
Thu Jan 27, 2011 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's the point in paying off my mortgage?
Replies: 12
Views: 2337

Ah, that's what I was missing. Thanks. I knew there was a reason. :)
by wde
Thu Jan 27, 2011 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's the point in paying off my mortgage?
Replies: 12
Views: 2337

What's the point in paying off my mortgage?

I have 25+ years left on my mortgage. There is a 100% chance I'll be selling the house and buying another one before I'm able to pay it off. Is there any point in making additional payments? Additional payments won't lower my interest. I'll simply get the money right back when I sell, but with no in...
by wde
Tue Jan 18, 2011 5:15 pm
Forum: Personal Consumer Issues
Topic: Scientists trying to clone, resurrect extinct mammoth
Replies: 32
Views: 2949

Hasn't Hollywood already taught us that resurrecting extinct animals is a bad idea? Dr. Ian Malcolm: I'll tell you the problem with the scientific power that you're using here: it didn't require any discipline to attain it. You read what others had done and you took the next step. You didn't earn t...
by wde
Thu Jan 13, 2011 10:23 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

WAR EAGLE!

WAR EAGLE!
by wde
Mon Jan 03, 2011 4:00 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 36859

1359.1
by wde
Mon Nov 29, 2010 5:30 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

If he plays well against South Carolina, he's pretty much a lock. How many times have I heard this phrase... "If Cam beats <blank>, then I'd vote for him." Not you in particular, Kyle. Just in general from every announcer and paper in the country. Verne Lundquist said during the first half of the I...
by wde
Mon Nov 29, 2010 5:27 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

As for this year, there's little doubt BSU could beat South Carolina, LSU, and Arkansas. I don't know about Alabama or Auburn. Ranked opponents (both of them): BSU wins: #15 VA Tech BSU loss: #17 Nevada SEC: #1 Auburn #7 Arkansas #10 LSU #16 Alabama #19 South Carolina #22 Mississippi State I'm thin...
by wde
Mon Nov 29, 2010 5:19 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Bet you’ve never heard a Cam Newton - Danny Ferry comparison before. I had to Google Danny Ferry. What does Danny Ferry have to do with anything? People will come up with a theory for any argument. Draftability is a good one. Ingram won it last year and he's still at Alabama. Tebow won it and stuck...
by wde
Mon Nov 29, 2010 4:56 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Of course, we'll never know because most SEC teams refuse to schedule any difficult OOC games like teams in every other conference do. That's because we don't have to go OOC to find tough teams. We go OOC to find easier teams. Couldn't resist. Truthfully, I'd love it if we played more big OOC teams...
by wde
Mon Nov 29, 2010 4:44 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

As for this year, there's little doubt BSU could beat South Carolina, LSU, and Arkansas. I don't know about Alabama or Auburn. Ranked opponents (both of them): BSU wins: #15 VA Tech BSU loss: #17 Nevada SEC: #1 Auburn #7 Arkansas #10 LSU #16 Alabama #19 South Carolina #22 Mississippi State I'm thin...
by wde
Mon Nov 29, 2010 4:33 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

As a completely non-biased 3rd party (I'm neither an Auburn nor a Stanford fan) I would give the nod to Luck over Newton. Many, many more pass attempts than Newton and only one more interception. He's clearly the better passer. He's a better on-field leader, too. And Auburn's SOS was only marginall...
by wde
Mon Nov 29, 2010 4:23 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

That said, Boise State is still the real deal and they would still do well in the SEC... And I mean come on, does anybody really think BSU would be worse than Vanderbilt or (usually) Kentucky? No, I don't think they'd be worse than Vanderbilt and I think Kentucky would give them a decent game. But ...
by wde
Mon Nov 29, 2010 4:14 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Luck for Heisman. Give it a rest already. Luck: 3489 yards, 31 touchdowns 3051 passing yards 28 passing touchdowns 438 rushing yards 3 rushing touchdowns Newton: 3590 yards, 43 touchdowns 2254 passing yards 24 passing touchdowns 1336 rushing yards 18 rushing touchdowns 42 receiving yards 1 receivin...
by wde
Mon Nov 29, 2010 4:05 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

I'll decide on who to cheer for pending how all my Auburn friends make out... If they show class, I'll cheer for them, but this is unlikely so I'll probably have to be a duck! Class. Alabama denied Auburn a Tiger Walk, when Auburn's players enter the stadium down a path lined with fans. They claime...
by wde
Mon Nov 29, 2010 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: $4 prescription drugs - How do they do it??
Replies: 35
Views: 4712

This response is completely unresearched and I am nowhere near an expert in this or any related field, but... Pharmaceuticals, once researched, developed, tested, and approved are very, very cheap to manufacture. Very true (as best I understand). BUT - why do large insurance companies (presumably w...
by wde
Mon Nov 29, 2010 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: $4 prescription drugs - How do they do it??
Replies: 35
Views: 4712

This response is completely unresearched and I am nowhere near an expert in this or any related field, but... Pharmaceuticals, once researched, developed, tested, and approved are very, very cheap to manufacture. The research, development, testing, trials, and federal approval process is the expensi...
by wde
Fri Nov 05, 2010 8:26 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Bond said the former teammate told him other schools had already offered $200,000, but since Newton really liked Mississippi State and had a relationship with head coach Dan Mullen dating to when both were at Florida, Mississippi State could get him for $180,000. Wow. What a surprise. Someone has c...
by wde
Fri Nov 05, 2010 8:23 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Re: Auburn halloween party

This is your Heisman candidate, Cam Newton? 1573 Passing Yards 1122 Rushing Yards 15 Passing TDs 14 Rushing TDs 1 Receiving TD 4 (or 5) games to go... Yep. :) How bout Lamichael James Season Team G Att Yds Avg Lng TD Rec Yds Y/G Avg Lng TD 2010 ORE 7 170 1210 7.1 76 14 5 119 17.0 23.8 84 1 LaMichae...
by wde
Thu Nov 04, 2010 11:57 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Re: Auburn halloween party

tat2ng wrote:This is your Heisman candidate, Cam Newton?
1573 Passing Yards
1122 Rushing Yards

15 Passing TDs
14 Rushing TDs
1 Receiving TD

4 (or 5) games to go...

Yep. :)
by wde
Fri Oct 29, 2010 4:52 pm
Forum: Personal Consumer Issues
Topic: laptop help please
Replies: 12
Views: 1988

Try screen at different angles and in different light (might be flex to screen or backlight). Try connecting an external monitor... may need to connect it, wait until it reboots, then hit f7. If it works OK on external monitor then it is LCD related. Make sure you try SDB's suggestion. (1) Turn off...
by wde
Thu Oct 28, 2010 12:05 pm
Forum: Investing - Theory, News & General
Topic: 2011 401(k) Limits Announced Yet?
Replies: 22
Views: 6621

Re: 2011 401(k) Limits Announced Yet?

Apparently, Congress met either last night or today and made a decision: http://www.irs.gov/newsroom/article/0,,id=229975,00.html Thanks for the update. It looks like they raised the income limits on Roth IRA contributions. Married filing jointly: $167,000 to $169,000. All other: $105,000 to $107,000
by wde
Thu Oct 28, 2010 11:53 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

arthurdawg wrote: If Auburn and Oregon play, my prediction is someone would win 71-70 in the highest scoring title game ever! (Auburns "D" is better than credited, the front 7 are salty against the run, although the other teams have been passing a lot, too.) For as long as I can remember, Auburn, n...
by wde
Tue Oct 26, 2010 4:51 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

If you feel that you don't know what I'm talking about and nothing has happened in this thread to warant what I'm saying, then please just ignore my remarks. I'm not really sure what you're referring to, but I'm not going to ignore your comment. Everything I've said has been in good fun and in the ...
by wde
Tue Oct 26, 2010 11:19 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Obviously humans develop the computer algorithms, as KyleAAA clearly states. I think his point, which I happen to agree with, is that once the algorithms are set, "wins and losses, total defense, yards per pass attempt, etc." they are applied objectively. Most if not all of the models have a streng...
by wde
Tue Oct 26, 2010 10:29 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

It's based on the current rankings, not the rankings at the time they played them. ESPN's schedule page has the rankings at the time they played, not the current rank. Current rankings have more information going into them. I know about ESPN's rankings as shown - I admitted my numbers were based on...
by wde
Tue Oct 26, 2010 10:19 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

sscritic wrote:You are forgetting that in the mind of an SEC fan, every SEC team is a top 25 team. :)
Ha...I can't argue with that. :) Well, maybe not Vandy... ;)
by wde
Tue Oct 26, 2010 10:18 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Answers: Boise - 1 Oregon - 1 TCU - 1 Michigan State - 1 Auburn - 5 What are your numbers based on? When I look at ESPN, from each team's page showing their schedule and results, I get this information (based on rankings when the game was played): Boise St - 2 (#10 Virginia Tech, #24 Oregon State) ...
by wde
Tue Oct 26, 2010 9:12 am
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

War Eagle! Gotta get it in while I can... :) The reason Auburn's picked number one by the computers is strength of schedule. Three non-BCS conference games is a Boise State-esque strength of schedule. Watch out for Chatanooga and that Choo Choo. Boise-esque? Tell me, how many Top 25 teams has Boise...
by wde
Mon Oct 25, 2010 5:16 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

And if it were up to me, I'd have a 6 team playoff. #1 plays winner of #3 and #5. #2 plays winner of #4 and #6. Done in 5 games total. I've never seen a #7 team that everyone thought "man, they should have gone to the championship game..." And never tell an Auburn fan that they don't understand the ...
by wde
Mon Oct 25, 2010 5:08 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Munir wrote: How did this "strength of schedule" get to trump the opinions of all these people? Why have any human polls at all?
Because college football is not American Idol.
by wde
Mon Oct 25, 2010 5:05 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

Did anybody watch Auburn 65 - Arkansas 43? Most points ever scored in a regulation length SEC game? I thought Auburn got a lot of home cooking from the refs on 2 very critical touchdown calls. On the first one, an Auburn running back lost the ball before crossing the goal and it was ruled a TD. On ...
by wde
Mon Oct 25, 2010 4:33 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

BCS Standings: 1 Auburn 8-0 2 Oregon 7-0 3 Boise State 6-0 4 TCU 8-0 5 Michigan State 8-0 6 Missouri 7-0 7 Alabama 7-1 8 Utah 7-0 9 Oklahoma 6-1 10 Wisconsin 7-1 I can't wait until the ultimate Iron Bowl game. Anyone care to predict by what number of points "underdog" Alabama would destroy Michigan...
by wde
Mon Oct 25, 2010 4:32 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 101185

War Eagle! Gotta get it in while I can... :) The reason Auburn's picked number one by the computers is strength of schedule. It's why Alabama's the only top 10 team with a loss. The only reason there aren't 4 or 5 SEC teams in the top 10 right now is because we have to play each other. Arkansas lost...
by wde
Tue Oct 12, 2010 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plans: 2nd kid on the way
Replies: 35
Views: 6679

Correct me if I'm wrong, but... Why would you make a second account for the second child, except for the sake of keeping things separate? If the first child doesn't use all of their funds, the remaining can be transferred to the second child. Not sure if it works the other way around. And is it sti...
by wde
Tue Oct 12, 2010 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plans: 2nd kid on the way
Replies: 35
Views: 6679

Correct me if I'm wrong, but... Why would you make a second account for the second child, except for the sake of keeping things separate? If the first child doesn't use all of their funds, the remaining can be transferred to the second child. Not sure if it works the other way around. And is it sti...
by wde
Tue Oct 12, 2010 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 529 plans: 2nd kid on the way
Replies: 35
Views: 6679

Correct me if I'm wrong, but... Why would you make a second account for the second child, except for the sake of keeping things separate? If the first child doesn't use all of their funds, the remaining can be transferred to the second child. Not sure if it works the other way around. And is it stil...
by wde
Tue Oct 05, 2010 7:31 am
Forum: Personal Finance (Not Investing)
Topic: GAP insurance for a new car - good or bad idea?
Replies: 14
Views: 2804

It is very important that you get an insurance for your car. It will benefit you largely should some accident occur. But you should make sure that you get the best insurance deals. Some companied offer deals and some others, less. If you feel that your insurance is a reliable one which also offers ...
by wde
Fri Oct 01, 2010 9:08 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- Third Quarter
Replies: 17
Views: 2366

Taylor deleted my previous post where I mistakenly said that registration began in December. Apparently it does not begin in December.

Either way, I'm sure Taylor will be conducting another contest for 2011.

Best of luck!
by wde
Fri Oct 01, 2010 7:32 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- Third Quarter
Replies: 17
Views: 2366

I'm right behind you at 83, with a guess of 1217.10.

The S&P actually peaked around 1217-ish back in April...we shall see...
by wde
Wed Sep 29, 2010 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: I actually kind of like Lending Club
Replies: 39
Views: 7032

That's a good point. Maybe it's a method of trading out high interest CC debt for lower interest rates.