Search found 28 matches

by central nj
Sat Feb 15, 2014 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Buy order, etf on weekend?
Replies: 7
Views: 1369

Buy order, etf on weekend?

I’m interesting in changing my bond allocation to include vanguard TIPS and a tiny bit of international. The money is in a retirement account at fidelity (spartan total bond index if you must know). I work full time, and don’t have easy access to a computer during the day. Ideally I’d like to place ...
by central nj
Sat Jul 27, 2013 7:30 pm
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 52
Views: 19159

Re: Building new house - central vacuum worth it?

Also, with a central vac, 100% of vacuumed air including all smells and dust is exhausted outside, no special filter needed, and no way for the air to recirculate.
by central nj
Fri Jun 21, 2013 8:06 pm
Forum: Personal Consumer Issues
Topic: Live next to gas station?
Replies: 44
Views: 11137

Re: Live next to gas station?

Just like a stock, there is a price at which i would buy just about anything. Would anyone pay the same price, as a home next to a park?
by central nj
Mon Jun 17, 2013 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 41
Views: 5918

Re: Lease vs Buying a Car

Along the insurance lines, you only need to fix what you want fixed. I had a generous sized scrap on two of the door panels, and trim. The body shop insisted that i had to redo two panels, and paint entirely----I literally had to beg them, just clean up a stripe down the center of both panels and ma...
by central nj
Mon May 13, 2013 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: SF BayArea - Buy Home or not
Replies: 45
Views: 3747

Re: SF BayArea - Buy Home or not

Keep in mind that prop 13 is the law of the land in CA, and perhaps unfortunately it won't be repealed. You are stuck with a new higher rate (compared to the seller), but the rate of increase is capped. You might be very happy in 20-30 years.
by central nj
Sun May 12, 2013 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Small Medical Practice Valuation?
Replies: 19
Views: 2255

Re: Small Medical Practice Valuation?

You also should never talk directly to him about the offer. Just do your job and let him view you as a nice guy. Let your lawyer do the heaving lifting and take all the blame, that what s/he is paid to do.
by central nj
Sat May 04, 2013 6:42 am
Forum: Personal Consumer Issues
Topic: Natural Lawn/Weed care
Replies: 25
Views: 2193

Re: Natural Lawn/Weed care

I read a book by the guy responsible for fenway park grass. He claims it is impossible to have great grass without lots of chemicals. I do one 1/2 dose fertilizer run each year and live with a crappy yard.
by central nj
Thu May 02, 2013 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Considering stepping down
Replies: 18
Views: 3695

Re: Considering stepping down

Are you taking on too many unnecessary tasks in your management position? Could you modify how you lead your team (aka the One Minute Manager), to reduce your workload? Set your expectations, offer to help with big ideas, but expect the team member to solve the problems as they arise.
by central nj
Wed May 01, 2013 6:14 am
Forum: Personal Finance (Not Investing)
Topic: BigMoney Jobs(high school student wants to be rich some day)
Replies: 102
Views: 10367

Re: BigMoney Jobs(high school student wants to be rich some

Well certainly let them follow their passion, but within reason. Film school? (1 in my family--unemployed) Professional musician? (not teacher, but performance). Harder to get struck by lightning.
by central nj
Tue Apr 30, 2013 6:09 pm
Forum: Personal Consumer Issues
Topic: wedding gift - tacky or not ....
Replies: 57
Views: 4377

Re: wedding gift - tacky or not ....

A++++ gift!
by central nj
Sun Apr 21, 2013 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ a $55M portfolio?
Replies: 51
Views: 8279

Re: Help w/ a $55M portfolio?

25 million will disappear into thin air if you die today (depending on spouse, location etc). You can't possibly be worried about the minutia of investing with that hanging over your head.
by central nj
Thu Apr 11, 2013 11:11 pm
Forum: Personal Consumer Issues
Topic: Would appreciate Bogleheaded advice on a vehicle purchase
Replies: 48
Views: 4397

Re: Would appreciate Bogleheaded advice on a vehicle purchas

I hate thinking this, having driven small or medium cars my whole life. But unfortunately stability control has fixed the main safety issue with suv's--the roll-over. Look at the iihs.com website---first at insurance loss. Compare by switching the input from mid size car--to mid size suv. Personal i...
by central nj
Mon Apr 08, 2013 7:47 pm
Forum: Investing - Theory, News & General
Topic: 2012 IRA DEADLINE IS APRIL 15--Only one week away.
Replies: 12
Views: 2332

Re: 2012 IRA DEADLINE IS APRIL 15--Only one week away.

Unless you file for an extension, says my tax person.
by central nj
Tue Mar 26, 2013 7:00 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Three Fund Portfolio
Replies: 29
Views: 6124

Re: Jack Bogle - Three Fund Portfolio

As an outsider, it seems painfully obvious to me that this is the correct approach. Why does it seem that the majority of posts on this form are by people talking about small/value investing?
by central nj
Sat Mar 16, 2013 7:28 am
Forum: Investing - Theory, News & General
Topic: Fidelity's ETF Fee Spurs a Backlash
Replies: 28
Views: 4472

Re: Fidelity's ETF Fee Spurs a Backlash

Thank you for posting this.

Fidelity let me open a tiny sep-ira with only a few hundred dollars last year. It doesn't meet the minimum for any of there funds---so i bought one of the free etfs----i will need to switch it over to one of their free ones for when i need to sell it.
by central nj
Sat Mar 09, 2013 8:10 am
Forum: Investing - Help with Personal Investments
Topic: 4 million dream safe portfolio
Replies: 7
Views: 2395

4 million dream safe portfolio

Hi, I appreciate the wake up call on my asset allocation from a previous post. I'm my early 40s, at 80/20 stocks/bonds. I was just hit with a lightning bolt that I have enough money, so why take undue risk. Rather than the thinking that i don't need the money (i'm happy at work), so i was sort of bl...
by central nj
Wed Mar 06, 2013 5:47 pm
Forum: Investing - Theory, News & General
Topic: Fascinating 60 Minutes piece on Chinese Real Estate market
Replies: 64
Views: 6885

Re: Fascinating 60 Minutes piece on Chinese Real Estate mark

A completely worthless video, like most of 60 minutes. What percent of total real estate is unoccupied? ("whole cities" are unoccupied) there are 1 billion people in China. How many unoccupied cities compared to inhabited/functioning exist? What percent of middle class/upper income assets are invest...
by central nj
Fri Mar 01, 2013 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: One million "excess" house; allocation
Replies: 39
Views: 3711

Re: One million "excess" house; allocation

To each and every one of you--THANK YOU. I've read all the comments carefully. I definitely need less equity exposure, maybe dramatically less. Still thinking of things.
Steve
by central nj
Wed Feb 27, 2013 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: bond options in old school brokerage?
Replies: 3
Views: 270

Re: bond options in old school brokerage?

Da_n! I bet you are right. Thanks.
by central nj
Wed Feb 27, 2013 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: bond options in old school brokerage?
Replies: 3
Views: 270

bond options in old school brokerage?

Hi, For family reasons I need to keep about 5% of my investment assets at an old school Morgan Stanley brokerage account. It is currently, and stupidly in a single (as in one) stock. I'm in the process of trying to increase my bond holdings to 40%. I don't have room in tax deferred accounts. So I wa...
by central nj
Tue Feb 26, 2013 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: One million "excess" house; allocation
Replies: 39
Views: 3711

Re: One million "excess" house; allocation

Bolderboy--the house is 2 million, 1 million buys a great house for a couple in my area. I though investments were for the long term, minimum 5 years, in my case 15-20 for retirement. Maybe it isn't part of the portfolio---but maybe it would make me more tolerant of risk? Perhaps 80/20 is ok in my s...
by central nj
Tue Feb 26, 2013 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: One million "excess" house; allocation
Replies: 39
Views: 3711

One million "excess" house; allocation

Hi, I read and really didn't follow entirely previous posts about home value and asset allocation (most people seemed to suggest the home was more of a consumption item, and shoudn't be included.) Our house was purchased after the market crash of 08, is a McMansion, and is 1 million more than any re...
by central nj
Mon Feb 25, 2013 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: what bond fund in taxable?
Replies: 12
Views: 1467

Re: what bond fund in taxable?

Thanks for the comments.
by central nj
Sun Feb 24, 2013 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: what bond fund in taxable?
Replies: 12
Views: 1467

what bond fund in taxable?

Hi, I'm in the top federal and nj tax brackets, and have run out of room in tax sheltered accounts. Is vanguards NJ LT tax exempt an ok replacement? I realize it exposes me only to new jersey--but it lets me avoid substantial nj taxes. The other fund i've seen others mention is "intermediate tax exe...
by central nj
Wed Jan 23, 2013 6:06 pm
Forum: Personal Consumer Issues
Topic: Knives set recommendations
Replies: 43
Views: 5376

Re: Knives set recommendations

It makes almost no difference, as long as they can be sharpened. The "steel" included in a set doesn't sharpen, only hones/realigns the blade. I've stopped by countless friends houses with expensive sets of knives---invariably the knives are dull as butter knives. Buy a chef's choice electric sharpe...
by central nj
Wed Jan 16, 2013 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity extended market capital gain?
Replies: 3
Views: 391

fidelity extended market capital gain?

Hi, Can anyone tell me why fidelity distributed .79/share in capital gain, but the corresponding vanguard fund didn't? It annoys me, and makes me wish i used vanguard from the start years ago. (all my new money goes into a total market fund, but i needed this one to balance out an old investment in ...
by central nj
Sun Oct 07, 2012 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medical specialty, longer residencies worth it?
Replies: 55
Views: 9721

Re: Medical specialty, longer residencies worth it?

A minor point about physician salaries is that 25-35% of them go back to the government as taxes. So at least as far as medicare expenditures, 10% towards physician salaries becomes 7 or 8%.
by central nj
Fri Sep 28, 2012 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 5097

Re: Apple Computers & Laptops

Everyone including my wife loves laptops. While using it their neck and head are pointing down at a 45 degree angle for hours on end. I can't imagine that that is good for your neck over 20+ years. Or if the screen is at eye level, their arms wrists are the opposite of neutral position. How about a ...