Search found 27 matches

by frankr
Wed Jun 28, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 63
Views: 7164

Re: Do you buy phone outright or pay it off monthly...

Verizon screws over the sales rep with 0 commission if the customer buys the phone outright. For this reason I let them do the monthly payments (there is 0 finance charge, mathematically it is actually better anyways). For me, the automatic 1 year extended warranty from American Express is valuable...
by frankr
Wed Jun 28, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Married But Filing Separately With IBR Student Loans
Replies: 5
Views: 896

Re: Married But Filing Separately With IBR Student Loans

Roth becomes unavailable, but you still have options. My spouse and I are in a similar boat and we come out way ahead MFS from a payment perspective especially considering the substantial Public Service Loan Forgiveness in the future. Sadly the sort of job she is in is very needed from a social pers...
by frankr
Wed Jun 28, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: DCA to fund or to sweep and then invest on low days
Replies: 33
Views: 1909

Re: DCA to fund or to sweep and then invest on low days

Thanks everyone. I'll just auto invest and not over think this one. Better to focus on my business anyway as this is such a small sideshow at the moment. I take enough risk owning a company with employees :shock:
by frankr
Wed Jun 28, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 63
Views: 7164

Re: Do you buy phone outright or pay it off monthly...

neilpilot wrote:...Well, maybe. I know my Lookout Security & Antivirus app hasn't been updated since.......yesterday.
Google Play Store-based app updates are not the same as Android operating system updates that include important security enhancements that the carriers never distribute.
by frankr
Wed Jun 28, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 63
Views: 7164

Re: Do you buy phone outright or pay it off monthly...

I'm truly amazed that the OP is considering 3 phones for $2k, or even more if the OP chooses to finance. I guess I just have trouble understanding why a $650+ iPhone is worth so much more than my Samsung Galaxy Express, that costs $65 as an ATT Gophone. As far as I'm concerned, I have all the funct...
by frankr
Wed Jun 28, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 63
Views: 7164

Re: Do you buy phone outright or pay it off monthly...

I buy phones and computers upfront with the American Express and pay it off from the savings I had set aside over the years for such purchases. This gets an automatic 1 year warranty beyond the manufacturer. Amex has given me $980 towards replacing a 4 year old Macbook Pro when a major component fai...
by frankr
Wed Jun 28, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: DCA to fund or to sweep and then invest on low days
Replies: 33
Views: 1909

Re: DCA to fund or to sweep and then invest on low days

Thanks everyone. I'll admit that when I hear the term market timing, my thought was an investor making decisions to jump in and out of positions with thousands of dollars or more rather than what I was thinking in terms of smaller amounts of regular contributions. As for the taxable, I'm open to sug...
by frankr
Wed Jun 28, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 8568

Re: Unable to Escape from Quicken Island ...

I've been getting started with GnuCash. It's an open source double entry accounting system that's been around for decades now. Still under active development and works on Windows, Mac, and Linux.
by frankr
Wed Jun 28, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: DCA to fund or to sweep and then invest on low days
Replies: 33
Views: 1909

DCA to fund or to sweep and then invest on low days

I've started up investing in VBINX in a taxable account for mid term savings - house repairs, car replacement, etc. I'll upgrade it to admiralty once I get $10k (presuming that once it is open it does not require that minimum at all times). Suppose that I'm going to be making additional investments ...
by frankr
Wed Jun 14, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Non-retirement savings investing considering public service student loan forgiveness
Replies: 2
Views: 367

Non-retirement savings investing considering public service student loan forgiveness

Right now all of my investing is in my own business and the basic, everyday Simple IRA and Roth IRA retirement accounts. My wife and I are not yet maxing out our retirement because we have debt to pay down, but I am starting to wonder what to do with setting aside funds for a 10 year time frame. The...
by frankr
Mon Mar 31, 2014 9:34 am
Forum: Investing - Help with Personal Investments
Topic: After Roth IRA?
Replies: 1
Views: 439

After Roth IRA?

A lot of the advice that I see calls to put aside at least 15% of ones income into retirement. The Roth IRA is great, but $5500 is only 15% of the first $36,666 one makes each year. After that is maxed out, what's next? I run a software development company that has employees. At this point we have a...
by frankr
Wed Apr 24, 2013 10:24 am
Forum: Investing - Help with Personal Investments
Topic: House downpayment savings when time is not known?
Replies: 5
Views: 812

Re: House downpayment savings when time is not known?

Thanks guys. And kenyan, I appreciate your signature line. It sure is a marathon, not a sprint.
by frankr
Tue Apr 23, 2013 9:27 am
Forum: Investing - Help with Personal Investments
Topic: House downpayment savings when time is not known?
Replies: 5
Views: 812

Re: House downpayment savings when time is not known?

And of course the best initial ROI on any investment vehicle is to pay off a student loan completely, but that would increase the must save before buying a house amount to $58,000, which increases the timeline by another year or two. Of course a much smaller monthly payment keeps SallieMae happy for...
by frankr
Tue Apr 23, 2013 9:21 am
Forum: Investing - Help with Personal Investments
Topic: House downpayment savings when time is not known?
Replies: 5
Views: 812

Re: House downpayment savings when time is not known?

And yes, I think this situation is somewhat similar to the question posed in http://www.bogleheads.org/forum/viewtopic.php?t=83927.
by frankr
Tue Apr 23, 2013 9:18 am
Forum: Investing - Help with Personal Investments
Topic: House downpayment savings when time is not known?
Replies: 5
Views: 812

House downpayment savings when time is not known?

I have read previous threads wherein the original poster asked about savings accounts vs various taxable investments for the purpose of saving for a downpayment on a house. In almost all circumstances, the first question is *WHEN* are you going to buy. What should someone do when the when is not mea...
by frankr
Fri Mar 22, 2013 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Roll Roth sharebuilder funds into Vanguard Roth IRA?
Replies: 1
Views: 756

Roll Roth sharebuilder funds into Vanguard Roth IRA?

I have some funds in a Roth IRA that I have had for years with Sharebuilder. The total value is not large, less than $4000. Some of the funds have performed well enough, including the "ING GLOBAL EQUITY DIVIDEND" which has apparently had a 124.58% gain over my base contribution from 2007. I am consi...
by frankr
Thu Mar 21, 2013 8:05 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

Re: What to add after target date fund?

For my occupation, my primary source of income is working with software startup companies (though I am not yet an angel investor outside of my own business). I am more interested in how much more you expect to save for retirement per year...and where. ... Ultimately my goal is 15 - 20% of my person...
by frankr
Wed Mar 20, 2013 9:35 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

Re: What to add after target date fund?

My thought was that the target date fund is a safer investment that should stay steady over time. Nope! Vanguard's target funds start off with a 90% stock allocation. In other words, if you have one that is many years away from its target date, it is already pretty aggressive, not "safer," and it w...
by frankr
Wed Mar 20, 2013 9:32 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

Re: What to add after target date fund?

Thanks everyone. You have given me some good things to think about. I know I am still the green guy here and have a lot to learn.
by frankr
Wed Mar 20, 2013 9:31 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

Re: What to add after target date fund?

If you are also investing in taxable accounts, I would shy away from Target Date funds there. The bonds they hold are not tax efficient. Total Stock Market or Total International make good funds for taxable accounts, as do any of the Tax Managed funds. Nope. Not doing taxable fund investments yet. ...
by frankr
Wed Mar 20, 2013 8:43 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

Re: What to add after target date fund?

In my 401K I have a 65/45 stock bond allocation That's some allocation: so you have 110% of your money in the 401k plan? :confused Color me impressed. :D That's quite an arrangement. Newsletter, perhaps? That is pretty impressive 8-) Maybe you should figure out how to get that extra 10% first and t...
by frankr
Wed Mar 20, 2013 8:42 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

Re: What to add after target date fund?

You shouldn't. Target Date funds are intended to be one-stop shops. Owning more than one fund defeats the purpose. If you want to add funds, you should just go ahead and own each constituent fund separately because expenses are lower that way (once you reach $10,000 in each fund). +1 I'd add that t...
by frankr
Wed Mar 20, 2013 8:40 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

Re: What to add after target date fund?

BBL wrote:
Grt2bOutdoors wrote:
stemikger wrote:In my 401K I have a 65/45 stock bond allocation
That's some allocation: so you have 110% of your money in the 401k plan? :confused

Color me impressed. :D That's quite an arrangement. Newsletter, perhaps?
That is pretty impressive 8-)
by frankr
Wed Mar 20, 2013 8:36 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

Re: What to add after target date fund?

My thought was that the target date fund is a safer investment that should stay steady over time. That it would be the base and then one would have additional investments alongside it. I don't know - something seems wrong about having one's entire portfolio in a single basket. When the person is jus...
by frankr
Wed Mar 20, 2013 8:09 am
Forum: Investing - Help with Personal Investments
Topic: What to add after target date fund?
Replies: 27
Views: 2150

What to add after target date fund?

Hi All, Mentally, I am a pretty aggressive investor who doesn't mind seeing swings up and down. For my occupation, my primary source of income is working with software startup companies (though I am not yet an angel investor outside of my own business). So I want to be somewhat more conservative in ...
by frankr
Sat Jan 05, 2013 2:25 pm
Forum: Personal Consumer Issues
Topic: Windows 8 opinions, buying a new laptop
Replies: 19
Views: 2334

Re: Windows 8 opinions, buying a new laptop

Hi, I am new here, but thought I would respond. I primary use a MacBook Pro for my computer for my job as a software developer who works with internet-based startups. For software compatibility testing purposes, I have a copy of Windows 8 Pro in Parallels and like it more or less. I am not sure if I...