Search found 63 matches

by nukephd
Thu May 04, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Pension vs 401k
Replies: 33
Views: 2859

Re: Pension vs 401k

Just to answer some of the questions that have come up: - The pension does have an annual COLA equal to 100% of CPI up to 2%, 75% of CPI from 2-4%, and a max of 6%. - If I leave early, my payout is all of my contributions grown at a 6% interest rate per year It's a tough choice because I think the p...
by nukephd
Thu May 04, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Pension vs 401k
Replies: 33
Views: 2859

Pension vs 401k

I am looking for advice for deciding between my new employer's two retirement plan options: 1. A pension plan that pays 0.025 x years of service x highest average 36 months salary (I'm 33, so if I work until 65, that would be about 80% of my ending salary). If I die in early retirement, my spouse ge...
by nukephd
Mon Dec 03, 2012 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bank?
Replies: 27
Views: 3156

Re: Best online bank?

joe8d wrote:
Rexindex wrote:
midareff wrote:
crowd79 wrote:Ally. Best rates and best customer service. Very, very happy with them.


+1 Excellent in all areas


+2


+3

+4
by nukephd
Wed Oct 19, 2011 12:00 pm
Forum: Personal Consumer Issues
Topic: Any cities that fit most/all of these criteria?
Replies: 75
Views: 5759

Re: Any cities that fit most/all of these criteria?

Another vote for Atlanta, GA. It's diverse, has a low cost of living, and has tons of activities (several museums, nearly all travelling exhibits come through there, nearly all major concert tours will stop through their, pro and college sports, tons of restaurants, and much more). Another big plus ...
by nukephd
Wed Oct 12, 2011 11:44 am
Forum: Personal Consumer Issues
Topic: Do you have kid(s), or at least want to have kid(s)?
Replies: 273
Views: 14638

we childfree see having kids as a purely negative experience. We see having less money, the loss of peace and quiet, the loss of personal freedom, and the addition of stinky diapers in our lives if we had kids. We know in advance that we would not like having kids and if they were in our lives 24/7...
by nukephd
Fri Oct 07, 2011 3:47 pm
Forum: Personal Consumer Issues
Topic: Does television streaming online make cable obsolete?
Replies: 17
Views: 2761

I'll give you 4 letters that spell why a significant group of people don't cancel cable for online: E-S-P-N If ESPN can move all of their coverage to the web in a reliable interface people will be cancelling TV service left and right. Then the cable companies will find a way to block the ESPN web in...
by nukephd
Thu Oct 06, 2011 3:33 pm
Forum: Investing - Theory, News & General
Topic: Scrooge McDuck Versus John C. Bogle?
Replies: 16
Views: 2726

This reminds me of the Family Guy episode where Peter tries to dive into gold coins like Scrooge McDuck:

http://www.youtube.com/watch?v=cSkIizzA4aQ
by nukephd
Wed Oct 05, 2011 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: I Caused The Market To Bottom!
Replies: 23
Views: 3006

Well I've realized that I control the weather, at least in our part of the state, and my wife has had to admit it is true. Regardless of forecast, when I put down grass seed we can expect weeks without rain; when I paint or seal anything outside rain comes that night. I should try doing both at onc...
by nukephd
Sat Oct 01, 2011 6:14 am
Forum: Investing - Theory, News & General
Topic: Paying off the mortgage in 12 months
Replies: 15
Views: 1701

(2) Instant 6.5% return. Aren't 30 year fixed mortgages typically amortized such that more interest is paid in the beginning and less at the end? If he is in year 19 of a typical 30 year loan at 6.5%, it will probably be less than a 6.5% return, however I still agree with your conclusion that he sh...
by nukephd
Fri Sep 09, 2011 2:54 pm
Forum: Personal Consumer Issues
Topic: How many friends do you have?
Replies: 52
Views: 7499

3 great friends - Wife, best friend since middle school, and good friend since college A few work friends that I can genuinely talk about non-work stuff with (4 or so) I easily could have 20+ friends, but I choose not to. It's too much of a pain in the a-word to keep up with that many friends. I hat...
by nukephd
Wed Sep 07, 2011 8:07 pm
Forum: Personal Consumer Issues
Topic: Money and Happiness
Replies: 36
Views: 4108

It has to do with the the diminishing marginal utility of money. If you're interested, you can read up on utility functions. Here is a very short wikipedia excerpt on it: m This reminds me of the article stating that after $75k, things don't get much better: m Our ultimate goal in life is to be happ...
by nukephd
Sun Sep 04, 2011 12:43 pm
Forum: Personal Consumer Issues
Topic: Grandson of BCS
Replies: 487
Views: 39622

Great games last night. Oregon's turnovers in on Special Teams, and LSU's ability to capitalize on them cost them the game. BSU manhandled Georgia on what was essentially a home site for UGA, although it will go down as being a neutral field. I was really impressed with LSU's defense and Special Tea...
by nukephd
Sun Sep 04, 2011 6:19 am
Forum: Personal Consumer Issues
Topic: Best showerhead?
Replies: 38
Views: 9299

I have Speakman heads in both of my showers. Love 'em. Very basic, very reliable, and a good price. They aren't removable show heads, which was a plus because I have always had problems with those, I don't like how their hose hangs down in the shower, and I never use the removable feature.
by nukephd
Wed Aug 31, 2011 3:26 pm
Forum: Personal Consumer Issues
Topic: mpg: 65 vs 75 mph
Replies: 39
Views: 5229

When will the answer be posted?

I get about 30 mpg on my Accord V6 when going 75-80 on interstate.
by nukephd
Tue Aug 09, 2011 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: My portfolio, your advice?
Replies: 25
Views: 2439

Re: My portfolio, your advice?

benlo wrote:I will find a way to reduce my living expense first, in order to achieve that maximum contribution. One question here: for this $16,500 amount, does it include the company contribution or it's just what I put down?

It's just what you put down, so with an employer match, it's more than $16.5k.
by nukephd
Mon Aug 08, 2011 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 12
Views: 1345

Re: 401k asset allocation help

nukephd, Does your 401k offer Target Date funds? Sadly, no. The only funds offered are those that I listed. Here's an idea to consider. Total Portfolio = $52k. Note that percentages refer to percentage of portfolio, not percentage of account. Option 1 His Roth IRA 38.5% ($20k) 14.5% VG Total Stock ...
by nukephd
Mon Aug 08, 2011 10:29 am
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 12
Views: 1345

No accounts for your spouse? She's 23 and in nursing school. Being in school, she doesn't have income to invest. I just lumped the small amount of her Roth IRA (about $5k or so) in with mine. I might be able to max out her Roth IRA (will be able to in a year or so), but I just assumed that I wouldn...
by nukephd
Mon Aug 08, 2011 9:25 am
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 12
Views: 1345

Have you considered posting your information to get a suggestion from people here? See link below. Here is my info in that format: Emergency funds: 3 months of expenses and growing Debt: Mortgage $179k 30 year at 4.75% Tax Filing Status: Married filing Jointly Tax Rate: 25% Federal 0% State Tenness...
by nukephd
Mon Aug 08, 2011 8:50 am
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 12
Views: 1345

Look at everything as one portfolio. I don't know how much you have in the Roth but consider dumping TR2050 and buying S&P500 in the 401(k) and Midcap idx and SC Idx (or extended mkt?) to replicate total market idx at lowest possible cost. Another possibility is to hold the 500 index and a bond...
by nukephd
Mon Aug 08, 2011 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Mark Cuban Repost - "How to Get Rich"
Replies: 15
Views: 3828

Mark Cuban shouldn't post while drunk.
by nukephd
Mon Aug 08, 2011 7:31 am
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 12
Views: 1345

Sorry. No, I have emergency funds in an FDIC-insured savings account (3 months salary and growing ... I have a very secure position at work), and I have a Roth IRA with Vanguard. All of my Roth IRA funds are in the Target Retirement 2050 fund.

I'm 27 years old.
by nukephd
Mon Aug 08, 2011 6:28 am
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 12
Views: 1345

401k asset allocation help

My goal in my 401k is to have: 80% in equities and 20% in Bonds. Ultimately, I want 20% to emulate VBMFX, 55% to emulate VTSMX, and 25% to emulate VGTSX. The funds available to me are: Fund Name - Symbol (net expense ratio) Wells Fargo Advantage Ttl Return Bond I - MBFIX (0.42%) American Funds Ameri...
by nukephd
Sun Aug 07, 2011 7:00 am
Forum: Investing - Theory, News & General
Topic: Unemployment rates - Fault financial habits of pre-retirees?
Replies: 40
Views: 3175

Re: Unemployment rates - Fault financial habits of pre-retir

So what's holding back new job creation in the U.S. this past decade? I'll give you a hint. Since 2000, tens of millions of new jobs have been created to make all the stuff that Americans need and want, but most of those jobs are NOT in the U.S. Global Wage Arbitrage 90% of the new jobs created sin...
by nukephd
Fri Aug 05, 2011 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Where do you save your travel money?
Replies: 25
Views: 3144

I put it in my SmartPig account. It typically has a slightly higher interest rate than saving accounts at other online banks.
by nukephd
Fri Aug 05, 2011 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Setting up Mint.com -- Asset Allocations
Replies: 8
Views: 2066

I've been personally using Mint for quite some time. I find it GREAT for tracking my spending and budget. I find it entirely lacking for tracking anything that has to do with investing (this includes their goal tracking). I'm still on the lookout for something that can easily monitor my goal progre...
by nukephd
Thu Aug 04, 2011 2:08 pm
Forum: Personal Consumer Issues
Topic: Grandson of BCS
Replies: 487
Views: 39622

I don't understand the love for FSU, and I'm an ACC homer. Maybe they're top 15, but top 5 ... really?
by nukephd
Thu Aug 04, 2011 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: If you are a millionaire... [Poll]
Replies: 70
Views: 10840

In the southeast, anything above $100k is a great salary. Otherwise, you're doing something wrong.
by nukephd
Thu Aug 04, 2011 1:05 pm
Forum: Personal Consumer Issues
Topic: Difference between $25,000 car and $50,000 car
Replies: 79
Views: 8636

I drive an Accord and my wife drives a BMW. Her 325 is a great car, but I would have never gotten it if we didn't get a great deal on it used. Driving the 325 is an experience. My wife loves it, but after a while it's not that thrilling anymore. We will be Honda people in the future, but she won't b...
by nukephd
Thu Aug 04, 2011 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How did you find a job compatible with happiness?
Replies: 105
Views: 12374

Re: 26 year old perspective

When I graduated from a "prestigious" Ivy League college, I decided that I wanted to be a high school coach, and in order to do that, I had to teach. So I got a quick masters at a state school and landed a job as an English teacher and head coach at 23. Most of my college classmates thoug...
by nukephd
Wed Aug 03, 2011 4:01 pm
Forum: Personal Consumer Issues
Topic: Grandson of BCS
Replies: 487
Views: 39622

It's hard picking this early. The MNC participants will be either Oklahoma, Oregon, the Big10 champ, or the SEC champ (probably from the SEC west). The Big 10 (twelve) and SEC are looking very stout this season. The ACC always chokes (sadly .. b/c I'm an ACC guy) ever since Y2K, and the Big East is ...
by nukephd
Wed Aug 03, 2011 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 36
Views: 4796

One factor that is often misunderstood regarding a Roth 401k is that your employer's contribution is still traditional. So let's say you're contributing 6% of your salary and your employer is contributing 4%, you are essentially putting 60% into a Roth and 40% into a Traditional. I use a traditional...
by nukephd
Sat Jul 30, 2011 8:23 am
Forum: Investing - Theory, News & General
Topic: What's your current rate of return for this year?
Replies: 82
Views: 7892

2.28% on my IRA 20% Vanguard 500 20% Vanguard Small-cap 20% International Explorer 20% International Value 20% Intermediate-term treasury 5.61% on my 401k on Monday 0.68% on my 401k today ... LOL 20% Wells Fargo Advantage Ttl Return Bond 55% SSgA S&P 500 Index Fund 20% American Funds Euro Pacifi...
by nukephd
Fri Jul 29, 2011 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Young poker player, lots of cash and variable income
Replies: 42
Views: 8420

By mid six figures in the bank, do you mean $500k? If so, you are VERY well off for your age. Congrats! I know people twice your age that wish they had just $100k.
by nukephd
Wed Jul 27, 2011 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: We may as well start the thread --Staying the Course
Replies: 64
Views: 6324

BigD53 wrote:Watch the 2011 Academy Award-winning documentary "Inside Job", written and directed by filmmaker Charles Ferguson.

+1

Very well done documentary.
by nukephd
Wed Jul 27, 2011 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision
Replies: 9
Views: 1614

Career Decision

I'm 27 and thinking of making a semi-major career change that would require me to leave my current job and move me out of my house. The results of this career change would mean: a loss of the $8k housing incentive (have only been in my house 2 years so I lose that since I haven't been in the house f...
by nukephd
Wed Jul 27, 2011 1:30 pm
Forum: Personal Consumer Issues
Topic: Kindle a good gift for a 15 year old girl?
Replies: 12
Views: 1625

If she LOVES reading, then get the Kindle. What are her hobbies? I would get her something that supports one of her hobbies.
by nukephd
Wed Jul 27, 2011 10:18 am
Forum: Personal Consumer Issues
Topic: Which chain restaurants do Bogleheads enjoy?
Replies: 124
Views: 15676

Moe's, Jason's Deli, Chipotle, Panera, Chik-fil-A
by nukephd
Tue Jul 26, 2011 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Roulette "System" -- So I made a simulator
Replies: 62
Views: 9813

The only way to consistently win at a casino is by counting cards with Blackjack, but that's cheating, so ...
by nukephd
Tue Jul 26, 2011 9:48 am
Forum: Personal Consumer Issues
Topic: Honda Accord vs Toyota Camery
Replies: 26
Views: 3362

They're both great cars. I have a 2006 Accord, and my wife had a 1995 Camry that we gave to her grandmother. She still drives it. I was in the same shoes as you when I was making the purchase of my 2006 Accord. To me, the Accord build and drive was superior to the Camry. The Camry felt more boat-lik...
by nukephd
Tue Jul 26, 2011 9:45 am
Forum: Personal Consumer Issues
Topic: Khan Academy
Replies: 21
Views: 6538

What amazed me is that Mr. Kahn is the creator and instructor in each of the videos that goes on his website. After seeing how many videos he has posted and all their respective subject areas, it's quite amazing.
by nukephd
Tue Jul 26, 2011 9:42 am
Forum: Personal Consumer Issues
Topic: Who does their own oil changes?
Replies: 51
Views: 5703

How much money do you save by doing your own oil changes as opposed to going to a dealer or lube shop?
by nukephd
Fri Jul 22, 2011 3:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373141

The Hunger Games (I know ... it's teen fiction, but it's pretty good. Takes about a day to read) Did you read the entire trilogy? I thought it was good quick read. I have the entire trilogy on hand, but I just started the first book and then got sucked into A Game of Thrones. I look forward to read...
by nukephd
Fri Jul 22, 2011 3:01 pm
Forum: Personal Consumer Issues
Topic: Need online calendar recommendation
Replies: 14
Views: 1729

Another for Google calendar. It syncs with my phone. I can connect to several other calendars (e.g. sports teams' schedules, US holidays, etc.).
by nukephd
Fri Jul 22, 2011 12:48 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Spotify invite they will send my way?
Replies: 24
Views: 4629

For those claiming it's a trial, I haven't seen this anywhere. There are three tiers: Free, Unlimited, and Premium. I'm on the free tier. The only way you're on a trial is if you're on the Unlimited or Premium tier via a trial membership. If I'm mistaken, could you please post a link to fill me in. ...
by nukephd
Fri Jul 22, 2011 11:33 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373141

A Game of Thrones

and

The Hunger Games (I know ... it's teen fiction, but it's pretty good. Takes about a day to read)
by nukephd
Fri Jul 22, 2011 11:30 am
Forum: Personal Consumer Issues
Topic: TheStreet Article: How a vacation hurts your future
Replies: 111
Views: 11840

nm
by nukephd
Fri Jul 22, 2011 11:28 am
Forum: Personal Consumer Issues
Topic: TheStreet Article: How a vacation hurts your future
Replies: 111
Views: 11840

Here is a new Time Magazine article: Want Happiness? Don’t Buy More Stuff — Go on Vacation http://moneyland.time.com/2011/07/21/want-happiness-dont-buy-more-stuff-%E2%80%94-go-on-vacation/?hpt=hp_t2 A good quote from the article: But other research shows that people’s most common regrets about mate...
by nukephd
Fri Jul 22, 2011 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Monte Carlo Simulations Pros and Cons
Replies: 25
Views: 6846

Sachay wrote:I use Monte Carlo simulation all the time at work

Same here. I use it for radiation transport, you?
by nukephd
Fri Jul 22, 2011 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Vehicles
Replies: 8
Views: 1384

I keep my in Smarty Pig. Great interest rates compared other savings accounts, FDIC, and easily accessible.
by nukephd
Fri Jul 22, 2011 10:53 am
Forum: Personal Consumer Issues
Topic: NYT: Are Hard Surfaces Worse for Runners?
Replies: 47
Views: 4471

Out of convenience I run on a mixture of concrete and asphalt. That's really my only choice. So it's either don't run or consistently run on concrete/asphalt.