Search found 213 matches

by dgrdfd
Sat Dec 01, 2012 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Graduate Student Loans
Replies: 24
Views: 3272

Re: Graduate Student Loans

An alternative, why don't you drag the 16 month program into 36 months or so such that the employer 5k/year will cover it all? You would have to do the analysis to see if the potential raise by getting the degree early would would offset you paying out of pocket.
by dgrdfd
Sat Oct 06, 2012 8:19 am
Forum: Personal Investments
Topic: Made after tax 401k contribution, left employer and was sent
Replies: 4
Views: 707

Re: Made after tax 401k contribution, left employer and was

Thanks very much guys. We are going to give the money away to someone whom needs it more than us so we're excited!
by dgrdfd
Sat Sep 29, 2012 2:13 pm
Forum: Personal Investments
Topic: Made after tax 401k contribution, left employer and was sent
Replies: 4
Views: 707

Made after tax 401k contribution, left employer and was sent

I made an after tax 401k contribution in my previous employer's 401k. I have since changed jobs and was mailed this check. We are only talking about $1,000. All before tax 401k contributions (significantly more than my after tax) were mailed to Vanguard to be moved into a traditional 401k. Can I spe...
by dgrdfd
Thu Mar 08, 2012 8:47 am
Forum: Personal Investments
Topic: 24 year old.. HELP!
Replies: 49
Views: 4521

Re: 24 year old.. HELP!

What's the advantage of the three fund portfolio versus a simpler life cycle fund?
by dgrdfd
Tue Mar 06, 2012 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Working Full Time + Part Time Job (Software Engineering)
Replies: 11
Views: 3091

Re: Working Full Time + Part Time Job (Software Engineering)

3. Can anyone recommend how one would go about finding a job such as this? Would you respond to a direct posting from a company for the job or are the contracting companies you could offer your services to and they place you? I was recommended to a recruiter by a former colleague for a part-time po...
by dgrdfd
Mon Mar 05, 2012 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Working Full Time + Part Time Job (Software Engineering)
Replies: 11
Views: 3091

Working Full Time + Part Time Job (Software Engineering)

Often times I get bored with my normal full time job and am interested in having another job where I worked 10 to 20 hours a week on the side. Some extra money would be nice plus just something different would be interesting for 3 or 6 months at a time. I am a software engineer and I would need said...
by dgrdfd
Mon Mar 05, 2012 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Wealth of 1.8 million Americans tops $2M
Replies: 40
Views: 7386

Re: Wealth of 1.8 million Americans tops $2M

But explain this to me: why are there so few rich widowed men? One possible answer: they remarry, so they are no longer classified as widowers. Another: In a marriage the male is likely making most of the money so they mistakenly assume they need less life insurance on the female. Why is it a mista...
by dgrdfd
Mon Mar 05, 2012 11:09 pm
Forum: Personal Investments
Topic: 24 year old.. HELP!
Replies: 49
Views: 4521

Re: 24 year old.. HELP!

Welcome raza! I was 5 years ago at age 22 in a very similar situation as you. The first rule of investing is to never do anything you don't understand. So read, ask questions and take your time. It's a marathon and not a sprint. The first thing is to determine your asset allocation. This is based on...
by dgrdfd
Sat Mar 03, 2012 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Wealth of 1.8 million Americans tops $2M
Replies: 40
Views: 7386

Re: Wealth of 1.8 million Americans tops $2M

sscritic wrote: But explain this to me: why are there so few rich widowed men? One possible answer: they remarry, so they are no longer classified as widowers.
Another: In a marriage the male is likely making most of the money so they mistakenly assume they need less life insurance on the female.
by dgrdfd
Sat Mar 03, 2012 9:12 am
Forum: Personal Finance (Not Investing)
Topic: How much is Joe's emergency fund?
Replies: 25
Views: 2940

Re: How much is Joe's emergency fund?

I would say a risky 10k + (potentially) what's in the Roth IRA if he's in a bind.
by dgrdfd
Thu Mar 01, 2012 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: General interview tips?
Replies: 14
Views: 1109

Re: General interview tips?

Be careful though not to come accross as trying to control the interview. I get terribly nervous when I go on interviews, but I have had a lot of success and I attribute it to "controlling" the interview. I have a handful of talking points I want to make sure I get to every interview so I...
by dgrdfd
Fri Feb 17, 2012 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Can anyone recommend a book to learn how businesses work
Replies: 4
Views: 523

Can anyone recommend a book to learn how businesses work

As I am advancing more in my career, it's high time I really learned the basics of how businesses work. Simple stuff such as: 1. What's the difference between a CEO and president? 2. What does a CEO, CIO, CFO, CxO, etc actually do in a typical organization? 3. How are budgets structured? 4. What doe...
by dgrdfd
Sun Feb 12, 2012 11:37 am
Forum: Investing - Theory, News & General
Topic: Improved Net Worth by Age [and plot]
Replies: 250
Views: 47282

Re: Improved Net Worth by Age [and plot]

I apologize but the 27 year old with 3.75M in assets should actually be 150k. I thought the number you wanted was current assets * 25. This is cell G382. [Edit]And I didn't think people would actually read the comments, but my "Assets" in column G represents 401k+cash+IRA+Pension(that can ...
by dgrdfd
Sat Jul 23, 2011 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn and Life Insurance
Replies: 23
Views: 3125

Newborn and Life Insurance

I'm terribly confused about life insurance. My wife and I are in our 20s with a newborn. Before our first child was born, I had a 1x salary insurance policy at work for myself and a very small one at work for my wife (enough to cover burial expenses). But now that we are parents it's become much mor...
by dgrdfd
Sun Dec 19, 2010 10:29 am
Forum: Investing - Theory, News & General
Topic: Building Your "Snowball"
Replies: 17
Views: 3309

When I was in sixth and seventh grade I sold cinnamon sticks. You use cinnamon oil (about $3.00) and toothpicks (maybe $1.00) and let them soak overnight in a jar. They then taste like big red flavored toothpicks. I could make them for less than a penny and sell them for 10 cents a piece (3 for a qu...
by dgrdfd
Thu Jul 09, 2009 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Are dual monitors at home worth it?
Replies: 36
Views: 5919

I have 2 22 inch monitors and can't imagine ever going back to a single monitor. It almost causes me to feel claustrophobic. I wouldn't go with something as big as 23s or even 22s. 19s at least used to be much cheaper and provide the same effect. I have so much wasted real estate with the 22s it's r...
by dgrdfd
Tue Jun 30, 2009 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: When Is It Cheaper to Ditch a Home Than Pay?
Replies: 112
Views: 13111

As I said, we brought $10,000 to a home closing as the seller in the 1980s. I hated it at the time, but felt obligated. 10k in 1985 was something like 20K in today's dollars. We aren't talking about small change like that. We are talking about people who are 100k or 200k or more in the hole (someth...
by dgrdfd
Sun Jun 28, 2009 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Heath Care: Can lawyers sue?
Replies: 42
Views: 5478

What would you do under these circumstances? I would order the MRI. Once again though, it's costing more than it had to for the insurance company because in my particular instance the entire cost of the surgery was only like 3k (so the $500 each they spent for 9 patients who really needed the surge...
by dgrdfd
Sun Jun 28, 2009 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Heath Care: Can lawyers sue?
Replies: 42
Views: 5478

[quote="dgrdfd SURPRISE! I had a torn meniscus and had surgery within 2 weeks. Was that test REALLY necessary?] I'm a dentist not an orthopedic surgeon, but I would think it would be to the doctor's advantage to know exactly where the tear was, how big it was, is there any colateral damage, wh...
by dgrdfd
Sun Jun 28, 2009 8:10 pm
Forum: Personal Consumer Issues
Topic: Billy Mays found dead
Replies: 49
Views: 8239

Jeez. First Ed McMahon, then Michael Jackson, then my dog, and now Mr. Mays? This has been a terrible week. :( My condolences on your dog. I'm sure that one will have the most effect on your life. Brad dgrdfd, So sorry to hear of your dog's passing. Losing pets is among the most difficult things I'...
by dgrdfd
Sun Jun 28, 2009 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Heath Care: Can lawyers sue?
Replies: 42
Views: 5478

Did the ortho own the MRI machine? If not how did he make money from it exactly? I do not dispute that doctors order unnecessary tests, just that doctor's themselves RARELY profit from them. I honestly don't know who owned the machine. I do know that he profited from another office visit to interpr...
by dgrdfd
Sun Jun 28, 2009 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Heath Care: Can lawyers sue?
Replies: 42
Views: 5478

This is just one simple example of the dilemma. These types of medical dilemmas are as common as dirt. And it extends beyond medicine really. For computer networks consider the following hypothetical examples: 1. At a cost of 100 trillion dollars we can provide network availability of 99.99999999% ...
by dgrdfd
Sun Jun 28, 2009 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: If you were underwater 50% on your home....
Replies: 28
Views: 4837

Being underwater by 40% and $200K, with other family and economics stresses ... it's got to be tough. Not to mention they aren't getting raises at work. In fact, they have furlough days and are getting salary decreases. And they see company's freezing pensions. And raising insurance rates. And larg...
by dgrdfd
Sun Jun 28, 2009 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Heath Care: Can lawyers sue?
Replies: 42
Views: 5478

Doing more tests, etc. makes more money for doctors. There seems to be a profit motive there (whether or not conscious), not just fear of litigation. So how exactly do I as a anesthesiologist make more money ordering a EKG on a patient or a cardiology consult? I always hear this, by I NEVER hear a ...
by dgrdfd
Sun Jun 28, 2009 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: If you were underwater 50% on your home....
Replies: 28
Views: 4837

I don't get it. Why wouldn't I go on paying? Imagine the person who bought a home a few years ago for 400k at at least 7% interest (combining first and second mortgages). Their largest expense is their mortgage, which they were struggling to pay in the beginning and only did so because it was a gre...
by dgrdfd
Sun Jun 28, 2009 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: When Is It Cheaper to Ditch a Home Than Pay?
Replies: 112
Views: 13111

Re: Ditching a home

okay; here is a real world situation, what would you advise? my daughter and son-in-law in their mid 30's - bought a home in rural VA with a fixed mortgage rate that is something like 7% because they did not have great asset value - but did have a clean credit history. we gave them cash towards the...
by dgrdfd
Sun Jun 28, 2009 12:41 pm
Forum: Personal Consumer Issues
Topic: Billy Mays found dead
Replies: 49
Views: 8239

Jeez. First Ed McMahon, then Michael Jackson, then my dog, and now Mr. Mays? This has been a terrible week. :(
by dgrdfd
Sun Jun 28, 2009 12:37 pm
Forum: Forum Issues and Administration
Topic: Idea for a new feature...(Re: political posts and banning)
Replies: 0
Views: 1102

Idea for a new feature...(Re: political posts and banning)

When someone is creating a topic or post if the word "administration" appears in it, a popup window will come up reminding them of the board rules regarding political posts. In all seriousness, why aren't people who have hundreds of posts banned when they post blatantly political topics or...
by dgrdfd
Sat Jun 27, 2009 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: When Is It Cheaper to Ditch a Home Than Pay?
Replies: 112
Views: 13111

Re: I promise to pay

Bogleheads: If I make a promise to pay, I will do it if I possibly can. There was a time, and still is with many people, when a handshake is all that is needed. Yep, everyone was wholesome and altruistic in the past. But those days are gone. My company's word really means nothing with regards to pr...
by dgrdfd
Wed Jun 24, 2009 8:13 am
Forum: Personal Investments
Topic: I am starting a website for my business for the first time
Replies: 18
Views: 3033

Maxwell Smart wrote: I have sent you a PM with some resources.
What is so top secret it can't be posted in this thread?

OP watch out for people PMing you with offers to help for fees.
by dgrdfd
Tue Jun 23, 2009 10:54 pm
Forum: Personal Investments
Topic: I am starting a website for my business for the first time
Replies: 18
Views: 3033

My best advice would be to get educated on exactly what you need and want. In other words, do you basically want to show up in a search engine with a picture of you smiling and saying call me or do you want to allow people to schedule appointments online, ask questions, view and change appointment t...
by dgrdfd
Sun Jun 21, 2009 8:39 am
Forum: Investing - Theory, News & General
Topic: Are we nitpicking our investments too much?
Replies: 30
Views: 4481

Too many people want to tweak and seek higher returns, but fail. Better to follow a path based on an investment policy. Go with simplicity. Too many "people", or too many men . I've noticed that a lot of the conversations about maximizing MM returns or whatever are not from women. Do you ...
by dgrdfd
Fri Jun 12, 2009 8:51 pm
Forum: Personal Consumer Issues
Topic: Airbus and fly-by-wire
Replies: 96
Views: 14761

Paladin - yes. Like I said, it's incredibly, incredibly remote. But the possibility still exists.
by dgrdfd
Fri Jun 12, 2009 8:43 pm
Forum: Personal Consumer Issues
Topic: Airbus and fly-by-wire
Replies: 96
Views: 14761

and there is no way a computer can ever be given ultimate responsibility for passengers who place there lives in his hands. Isn't the software is already given full control of all lives on board? What happens 10 seconds after takeoff if the fuel metering software in the FADEC decides to not give th...
by dgrdfd
Fri Jun 12, 2009 8:07 pm
Forum: Personal Consumer Issues
Topic: Airbus and fly-by-wire
Replies: 96
Views: 14761

and there is no way a computer can ever be given ultimate responsibility for passengers who place there lives in his hands. Isn't the software is already given full control of all lives on board? What happens 10 seconds after takeoff if the fuel metering software in the FADEC decides to not give th...
by dgrdfd
Fri Jun 12, 2009 8:01 pm
Forum: Personal Consumer Issues
Topic: Airbus and fly-by-wire
Replies: 96
Views: 14761

Most aircraft crashes can be, at least in part, due to pilot error: ( http://www.planecrashinfo.com/cause.htm ) The Black Swan events will always need to be handled by an experienced pilot. But the more responsibility we can offload to computers the safer our skies will be. As a software guy, I have...
by dgrdfd
Thu Jun 11, 2009 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Mortgage Tax Credit
Replies: 16
Views: 2811

I don't understand the rationale in extending this to any homebuyer. If the intent is to reduce inventory, how is A buying B's home, B buying C's home, and C buying A's home helping? Unless they assume there are a ton of people out there looking to buy preexisting new homes or have new homes built?...
by dgrdfd
Thu Jun 11, 2009 7:49 pm
Forum: Investing - Theory, News & General
Topic: High Interest Rates and Inflation Coming
Replies: 55
Views: 8583

Didn't Japan print a lot of money as stimulus in the 80s after the fall of the Nikkei? How much inflation did they have?
by dgrdfd
Thu Jun 11, 2009 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Mortgage Tax Credit
Replies: 16
Views: 2811

I don't understand the rationale in extending this to any homebuyer. If the intent is to reduce inventory, how is A buying B's home, B buying C's home, and C buying A's home helping? Unless they assume there are a ton of people out there looking to buy preexisting new homes or have new homes built?
by dgrdfd
Sat Jun 06, 2009 8:32 pm
Forum: Personal Consumer Issues
Topic: Computer Languages we have known (and maybe loved)
Replies: 122
Views: 18683

C - My first language. To work in programming you must be able to read C, but few people need to write it. A fast and elegant, but outdated language. C takes a long time to write but is fast, generally a language that is quick to write and a little slower is a better choice. Stage: 1 Love: 2/10 Thi...
by dgrdfd
Sat Jun 06, 2009 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Small NJ town faces 500% property increase,$1K a month jump
Replies: 61
Views: 10009

I apologize if I am way off base here, but was this town really set up to avoid paying school taxes? If so, this tax increase serves them right. How selfish can you be? 1. When they were young, their elders were forced to pay school taxes to educate them. 2. They are benefiting from social security ...
by dgrdfd
Sat Jun 06, 2009 10:12 am
Forum: Personal Consumer Issues
Topic: Engineers or software people working overseas
Replies: 20
Views: 4134

I don't think this idea works with software. All you'd accomplish is offshore yourself, doing the same work at a much lower salary and likely worse working conditions. One big (biggest ?) advantage of US-based software engineers is proximity and ease of communication and collaboration with the cust...
by dgrdfd
Fri Jun 05, 2009 11:26 pm
Forum: Personal Consumer Issues
Topic: Engineers or software people working overseas
Replies: 20
Views: 4134

Engineers or software people working overseas

I have seen it casually mentioned here in various threads and on other boards. Can anyone provide information on engineering (computer or software) related jobs overseas? I seem to recall these positions being in harsh or dangerous positions and paying quite well for this additional risk. But I am n...
by dgrdfd
Wed Jun 03, 2009 5:55 pm
Forum: Personal Consumer Issues
Topic: Airbus and fly-by-wire
Replies: 96
Views: 14761

Does anyone by chance know what computer language Airbus writes their avionics software in? Boeing was using Ada for a lot of their military work. I don't know about the Boeing Commercial though. Paul I have written avionics software for Boeing and it was in C and (very minal amount of) assembly. I...
by dgrdfd
Thu May 14, 2009 9:13 pm
Forum: Investing - Theory, News & General
Topic: Another sad GM bondholder story
Replies: 17
Views: 3367

6. Don't be stupid. I know this is going to be a minority opinion, but I actually think these stories are kind of funny. People thought they were somehow smarter than everyone else making shrewd investments. Then it blew up in their face. These people, like the Madoff folks, would be quick to point ...
by dgrdfd
Thu Apr 23, 2009 7:28 pm
Forum: Personal Investments
Topic: advice as to how to avoid capital gains tax on selling home
Replies: 5
Views: 1390

Could you be bothered to use punctuation?
by dgrdfd
Sat Apr 18, 2009 7:01 pm
Forum: Investing - Theory, News & General
Topic: Year-over-Year Deflation is Real
Replies: 45
Views: 6594

Do people avoid buying a new computer now because they can get one next year that's faster and cheaper? Actually, I hear that conversation routinely. People ask if they should buy now or wait for six months or whatever because they can get the latest/fastest hardware/software for a better price. It...
by dgrdfd
Sat Apr 18, 2009 4:46 pm
Forum: Investing - Theory, News & General
Topic: Year-over-Year Deflation is Real
Replies: 45
Views: 6594

I have had a difficult time understanding why deflation is (or would be) such a bad thing. Wouldn't it be nice to pay less for something than we paid last year? Then I heard an economist (who seemed to know what he was talking about) explain that if consumers knew (or believed) that deferring buyin...
by dgrdfd
Thu Apr 09, 2009 7:22 pm
Forum: Personal Investments
Topic: Do we jump back in again after bailing out???
Replies: 46
Views: 7508

What was your asset allocation when you sold?