Search found 36 matches

by serocs
Tue Apr 19, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 14391

Re: University of Virginia vs University of Miami

I read through most, and skimmed the rest, of the comments and I think I can provide a unique prospective. Both my wife and I attended UVa (graduating just a few years ago). One of the strengths of UVa is the strength in a wide range of subjects. In my time there, I went through several declared maj...
by serocs
Tue Nov 26, 2013 11:12 am
Forum: Personal Consumer Issues
Topic: Living in Boston/Cambridge
Replies: 31
Views: 3204

Re: Living in Boston/Cambridge

Just to be clear, Mapnificent is for transit times only, it does not do driving calculations.
by serocs
Mon Nov 25, 2013 1:56 pm
Forum: Personal Consumer Issues
Topic: Living in Boston/Cambridge
Replies: 31
Views: 3204

Re: Living in Boston/Cambridge

What kind of housing are you wanting? Most rentals around here are 2-story homes split into two apartments with each apartment on its own floor, but you can find condo-style apartments also. Unfortunately the redline (which is the main T line to serve Cambridge and north-west) does not extend too fa...
by serocs
Thu Sep 05, 2013 10:28 am
Forum: Personal Consumer Issues
Topic: Goodbye Sprint, Hello Ting
Replies: 29
Views: 4125

Re: Goodbye Sprint, Hello Ting

GV and Ting is a somewhat complicated issue. You can absolutely port a number from GV to Ting. However, you should confirm that you actually ported over to GV and didn't just "integrate" GV and Sprint, otherwise you can just "deintegrate" the two and port the number from Sprint to Ting, which is act...
by serocs
Fri Aug 16, 2013 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

Looking at some other posts, I think International is supposed to be a percentage of total stocks independent from domestic. Thus, I think my desired allocation within stocks would be 33% international, 44% domestic, 22% small cap (or 25%/33%/17% in overall portfolio).
by serocs
Fri Aug 16, 2013 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

Thanks. I think my big question at this point is whether or not international is considered part of TSM or somehow split between TSM and value?
by serocs
Thu Aug 15, 2013 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

@Bob's not my name: You're a freakin gold mine. :sharebeer You make two points that really hit home for me: I had no idea that assisted living was deductible. That in itself is a big reason to delay taxation, but you are also right that "Things don't always work out as you plan." I certainly don't k...
by serocs
Thu Aug 15, 2013 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

Do both if you can :D but you already have over $40,000 in Roth accounts, almost half of your total savings, so prioritizing 401k for a while hardly kills your Roth game. Here are three short articles that may be useful to you: http://thefinancebuff.com/how-to-build-a-time-machine-with-iras-part-1....
by serocs
Thu Aug 15, 2013 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

Building on your numbers: His 401k (35% of portfolio) 18% Northern Trust Collective Russell 2000 Index Fund (0.05%) 17% Northern Trust Collective All Country World Index (ACWI) ex-US Fund (0.09%) His Roth IRA at Fidelity (27% of portfolio) 09%, Vanguard REIT ETF (VNQ), er = 0.10% (I had no idea VNQ ...
by serocs
Thu Aug 15, 2013 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

I hope you don't mind, but I'm going to pick this apart and try to understand. Therefore $11,000 of Roth IRA contributions are costing $5,500 of unnecessary taxes Why is the tax unnecessary? It will be taxed eventually and I believe taxes will go up eventually. Sure, our income will be lower during ...
by serocs
Thu Aug 15, 2013 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

I'm busy at work today, so I'm going to respond in pieces instead of all at once. I have lots of questions, so it may take me awhile to get through it all. Thanks for everyone's help so far! [quote=""serocs"]Age: 24 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 3...
by serocs
Wed Aug 14, 2013 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

The TIPS are paper bonds, so I guess that they are taxed in a sense. Because they are such a small percentage, I have not really considered their tax implications. I would love to simplify, but I'm not really sure how to do that. Do you have any recommendations?
by serocs
Wed Aug 14, 2013 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Re: Portfolio Review - Help with Allocation

ieee488 wrote:
serocs wrote: 2. Should we put more towards 401k instead of roth?
I would with the low expense ratio funds that you have available in both 401Ks.
Good point, I'll keep that in mind.
by serocs
Wed Aug 14, 2013 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Help with Allocation
Replies: 26
Views: 2390

Portfolio Review - Help with Allocation

My wife and I work at the same company with approximately equal salaries. I’ve been working 1.5 years, my wife 1 year, and we have spent most of the past two years building up our emergency fund and paying back student loans. I was not too concerned last year about our allocation because of the fact...
by serocs
Tue Jul 02, 2013 9:24 am
Forum: Personal Consumer Issues
Topic: DuckDuckGo or Tor Browsers
Replies: 28
Views: 6679

Re: DuckDuckGo or Tor Browsers

I tend not to respond to these types of posts (although I find them interesting). I'm surprised no one has mentioned https://startpage.com/ . I have used DuckDuckGo in the past, but I found, as someone mentioned, that google's search results are MUCH better. StartPage actually uses google, but does ...
by serocs
Mon Jun 10, 2013 2:02 pm
Forum: Personal Consumer Issues
Topic: iphone DSLR camera emulator apps
Replies: 6
Views: 1089

Re: iphone DSLR camera emulator apps

Sorry. It doesn't exist. The main issue that you are dealing with is that the camera on the iPhone is simply not complex enough to allow for the features you are looking for. I know the title of this thread includes "emulator", but the fact is that you can't emulate some of the features that you are...
by serocs
Wed May 22, 2013 11:36 am
Forum: Personal Consumer Issues
Topic: Do you pay for access to www.nytimes.com ?
Replies: 30
Views: 3346

Re: Do you pay for access to www.nytimes.com ?

Absolutely. The provide a quality service that I don't want to see dissapear. I'm more than happy to pay the ~$40/month to get my news.
by serocs
Wed May 01, 2013 11:35 am
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 6396

Re: Windows 8/7

Not legally. $79 actually sounds like a pretty good deal.

Edit: Unless you are a student or teacher, then you may be able to find something for cheaper.
by serocs
Fri Apr 26, 2013 11:39 am
Forum: Investing - Theory, News & General
Topic: Do you trust Mint.com or similar services?
Replies: 29
Views: 5510

Re: Do you trust Mint.com or similar services?

The main reason I stopped using Mint when I started making money (after college) is not based on whether or not Mint is secure or not, but on the way that I think financial institutions would handle any losses due to Mint being hacked. I have no reason to believe Mint is less secure than any of the ...
by serocs
Thu Feb 21, 2013 11:03 am
Forum: Personal Consumer Issues
Topic: is window 8 good ??
Replies: 49
Views: 4301

Re: is window 8 good ??

patrick, most likely you have seen the same sources as I have for this. You are correct that a patched version of XP is much more secure than an unpatched XP (where the numbers are drawn from). I didn't go into details because most people just want a computer to work and aren't as concerned about th...
by serocs
Wed Feb 20, 2013 4:39 pm
Forum: Personal Consumer Issues
Topic: is window 8 good ??
Replies: 49
Views: 4301

Re: is window 8 good ??

This article describes my feelings about Windows 8 exactly. I am a techie and love trying new software, but the longer I have used Windows 8 (about two months full time at this point) the more I feel like I am constantly searching for things. Things that used to be one or two clicks in Windows 7 ha...
by serocs
Tue Feb 19, 2013 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Green / Energy-saving home. New build or Reno experience?
Replies: 48
Views: 3489

Re: Green / Energy-saving home. New build or Reno experience

Excellent info BillyG. You are absolutely right. It is important to keep water issues in mind. However, if the wall is designed correctly (with some sort of rain screen as you mentioned), drying to the inside should not be necessary. You may have implied this, but I wasn't sure and just wanted to re...
by serocs
Fri Feb 15, 2013 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Green / Energy-saving home. New build or Reno experience?
Replies: 48
Views: 3489

Re: Green / Energy-saving home. New build or Reno experience

This is in response to the original post. I skimmed through the rest of the posts, but some of them were tomes that I didn't make it through. I am not a professional builder, but I have worked extensively on two homes in Virginia: one was a build-from-scratch energy efficient home (LEED Platinum) an...
by serocs
Thu Jan 31, 2013 1:39 pm
Forum: Personal Consumer Issues
Topic: Update on new desktop PC
Replies: 46
Views: 6803

Re: Update on new desktop PC

As harland mentions, if you think will ever want to OC your computer, make sure you get an unlocked processor. To qualify what ensign_lee said, you will only really have a need for a custom cooler if you are planning on over clocking. The default fan is just fine if you don't plan on overclocking an...
by serocs
Wed Jan 30, 2013 2:23 pm
Forum: Personal Consumer Issues
Topic: Update on new desktop PC
Replies: 46
Views: 6803

Re: Update on new desktop PC

@ensign_lee
OP already said they have a external 2TB drive and want the SSD space for "quickbooks, dental software, and some games". I don't think OP is interested in getting an internal HDD right now.
by serocs
Wed Jan 30, 2013 1:01 pm
Forum: Personal Consumer Issues
Topic: Update on new desktop PC
Replies: 46
Views: 6803

Re: Update on new desktop PC

Just to revise my link above: the 670 only differs from the 680 by about 7% in performance. So you just have to do a cost/benefit analysis on that one. Link to correct comparison (670 instead of 570): http://www.anandtech.com/show/5818/nvid ... at-evga/20
by serocs
Wed Jan 30, 2013 12:58 pm
Forum: Personal Consumer Issues
Topic: Update on new desktop PC
Replies: 46
Views: 6803

Re: Update on new desktop PC

@neurosphere Of course I meant 680, not 580. Thanks for the catch. Don't get me wrong, I'm not saying the 680 is a bad card by any stretch. It is certainly one of the best cards on the market. I was more implying along the lines of the recent memory conversation: you spend significantly more on a 68...
by serocs
Tue Jan 29, 2013 5:01 pm
Forum: Personal Consumer Issues
Topic: Update on new desktop PC
Replies: 46
Views: 6803

Re: Update on new desktop PC

This is very similar to a computer I just built for myself. A couple of tips: The 580 is an excellent graphics card, but you actually get more for your money with a 570. http://www.anandtech.com/show/4051/nvidias-geforce-gtx-570-filling-in-the-gaps/16 for more details on that. The 570 was released a...
by serocs
Wed Dec 19, 2012 12:29 pm
Forum: Personal Consumer Issues
Topic: Is Mint a security risk?
Replies: 21
Views: 3050

Re: Is Mint a security risk?

The way I look at it, as a computer security analyst, (ignoring the legal implications others have mentioned) is that it broadens the attack space. Mint probably does use the same security as banks, but the fact that there is another option available for attackers to get your password make the likel...
by serocs
Tue Dec 11, 2012 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans or Home Down-payment
Replies: 6
Views: 1334

Re: Student Loans or Home Down-payment

Thanks robocop, your comments have been very helpful. I was hoping for more comments, but I suppose I'll take what I can get. I think what we will probably do at this point is save the money at this point and reconsider our options in a year. I can see the need for a larger EF, which is now a goal o...
by serocs
Mon Dec 10, 2012 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans or Home Down-payment
Replies: 6
Views: 1334

Re: Student Loans or Home Down-payment

Let's see: 4. I agree the rates are pretty high; it is the main reason we are on the fence. 5. Great points that I hadn't thought about. In my case it is very unlikely that my wife will be changing careers in the next few years, though a satisfactory explanation of this is well beyond the scope of t...
by serocs
Mon Dec 10, 2012 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans or Home Down-payment
Replies: 6
Views: 1334

Student Loans or Home Down-payment

Should we pay off student loans before buying a house? I know this question has been hashed and rehashed, but I'm still on the fence with what to do and I think that every situation is different. My wife (24) and I (23) are just out of college; I have been working for ~1 year and my wife for ~4 mont...
by serocs
Mon Nov 26, 2012 5:24 pm
Forum: Personal Consumer Issues
Topic: Electronic Network & Backup of Personal Finance Data
Replies: 23
Views: 2077

Re: Electronic Network & Backup of Personal Finance Data

I'd also support Truecrypt + Dropbox (I use it for all my sensitive documents). The main issue that it doesn't address is using the data on multiple computers at one time (see http://superuser.com/a/274303 ). Technical details: Essentially the files can become out of sync with each other, which is n...
by serocs
Wed May 30, 2012 1:51 pm
Forum: Personal Consumer Issues
Topic: Anti-Spyware & Anti-Virus Program
Replies: 34
Views: 3596

Re: Anti-Spyware & Anti-Virus Program

I do malware research for a living and have to say that the particular virus scanner you use is somewhat inconsequential. Virus scanners only catch ~70% of infections (though this increases another 10% or so 6 months after the virus is in the wild). As others have said, you shouldn't have more than ...
by serocs
Tue Feb 07, 2012 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Tax Education
Replies: 29
Views: 2582

Re: Basic Tax Education

Thanks for all of the great responses. Regarding TurboTax: I will certainly give this a try. As for itemizing, how would I have any idea without giving it a try? archbish, I only made about 10k in 2011, so in that respect I should have no problem qualifying for the free version. But from a "learning...
by serocs
Tue Feb 07, 2012 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Tax Education
Replies: 29
Views: 2582

Basic Tax Education

I have found a lot of good resources on learning to invest, but most of what I can find on taxes says to either hire a CPA, use a program like TurboTax, or do your own. Since I am just out of college and have never had to do my own taxes before I would like to give it a go on my own and figure now i...