Search found 642 matches

by ajcp
Tue Oct 13, 2015 7:57 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheet for rebalancing via [contributions]
Replies: 13
Views: 2211

Spreadsheet for rebalancing via [contributions]

My dad has asked for help consolidating his many stocks, bonds, and mutual funds into something easier to manage. He also asked me to create a spreadsheet to tell him how much to add to each fund as he transfers money over. I created the following spreadsheet, but it's not clear to me how to fill in...
by ajcp
Wed Sep 17, 2014 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 5643

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

And in case anyone is wondering about the calculation itself: For 2007 and later years, the amount for year X equals $15,000 times the ratio (rounded to 4 decimal places) of the sum of the year X-1 third quarter CPI-U over the sum of the 2005 third quarter CPI-U. For the Section 401(k), 403(b) and ...
by ajcp
Thu Sep 11, 2014 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 3888

Re: Trying to get my company to switch to Vanguard 401(k)

You might want to try Fidelity. I convinced my company (200 employee) to switch about 3 years ago from ING to Fidelity. Fidelity told me that they generally are not competitive for plans with less than 200 employees. The plan I'm currently in has only ~120 participants. In any case, I have all of m...
by ajcp
Tue Sep 09, 2014 6:42 am
Forum: Personal Finance (Not Investing)
Topic: take the quiz--test your 401(k) knowledge
Replies: 12
Views: 1532

Re: take the quiz--test your 401(k) knowledge

11/12, missed the "in today's dollars" in the 401k calculator question. But I call shenanigans because they didn't define the assumed rate of inflation :D
by ajcp
Thu Sep 04, 2014 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 3888

Re: Trying to get my company to switch to Vanguard 401(k)

- 30 basis points (average weighted) for the recordkeeping system (which is Ascensus, which Vanguard doesn't really tell you). Ascensus's recordkeeping platform has some severe limitations that simply aren't present with the Mass Mutual recordkeeping system. - 30 basis points (average weighted) for...
by ajcp
Fri Aug 22, 2014 7:40 am
Forum: Personal Consumer Issues
Topic: How to install an SSD HD into laptop without a Win7 disc?
Replies: 17
Views: 2203

Re: How to install an SSD HD into laptop without a Win7 disc

If you want to do a clean install, use the Windows 7 USB/DVD Download Tool to put the setup on a USB flash drive: http://wudt.codeplex.com/ You should be able to find a Windows 7 product key on the bottom of your laptop. Make sure to select the edition (i.e. Home, Professional, etc.) listed on the ...
by ajcp
Mon Aug 18, 2014 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Weird implications of a credit card trick
Replies: 11
Views: 3386

Re: Weird implications of a credit card trick

People have already thought of this, the processors know about this, and they will shut you down for it.
by ajcp
Wed Aug 13, 2014 11:15 am
Forum: Personal Consumer Issues
Topic: OptimumWifi
Replies: 1
Views: 668

Re: OptimumWifi

Optimum Wifi isn't like cell service with coverage areas and levels of service. It's just a wifi hotspot, exactly like the one you have in your house. You have great service in your house, maybe ok service if you walk to your neighbor's property, and you're out of range if you go down the street. Ma...
by ajcp
Thu Aug 07, 2014 9:24 pm
Forum: Personal Consumer Issues
Topic: Legality of sending personal information via email
Replies: 38
Views: 3560

Re: Legality of sending personal information via email

Legality aside, it strikes me as extremely imprudent and showing very poor judgment. Unless the email is encrypted on both ends, I would take my business elsewhere and let the attorney know why. Maybe notify the state bar association as well if this appears to be standard operating procedure for th...
by ajcp
Thu Aug 07, 2014 9:21 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8426

Re: Which Lenovo or Asus desktop computer to buy?

1) Does the desktop come with reinstall media? Many modern desktops store the recovery files on a partition on the original hard drive, which will be of no use to you in this scenario. Anyone with a Windows 8 key can get the iso from here and put it on a dvd or flash drive. Windows 7 isos are also ...
by ajcp
Thu Aug 07, 2014 3:48 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 3352

Re: Vanguard's Facebook presence

ab80 wrote:I honestly believe it's harder to steal money if you don't know where to look.
Kind of like saying is easier to win the lottery if you buy two tickets instead of one. It's true, but... :wink:
by ajcp
Wed Aug 06, 2014 9:36 pm
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 12388

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

They might not even know. Being vulnerable to SQL injection implies a very low level of expertise. It sounds like they do know: Hold Security would not name the victims, citing nondisclosure agreements and a reluctance to name companies whose sites remained vulnerable. At the request of The New Yor...
by ajcp
Wed Aug 06, 2014 9:19 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8426

Re: Which Lenovo or Asus desktop computer to buy?

I wouldn't advise cloning an HD to an SSD. Better off to start fresh. Life's too short to waste that much time reinstalling windows, all the windows updates, all the apps, and migrating data. If the computer is working well and no viruses, why not clone? I can see using a fresh install when someone...
by ajcp
Wed Aug 06, 2014 4:39 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8426

Re: Which Lenovo or Asus desktop computer to buy?

Question on the SSD. If I buy the computer I proposed and later want to add the SSD drive how do I get the operating system on the SSD drive? Particularly when one is not supplied the operating system CD with this particular computer? If I'm perceiving the problem correctly are you really advising ...
by ajcp
Wed Aug 06, 2014 3:53 pm
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 12388

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

It's disappointing that whoever these companies are don't reveal the password breach to their customers. They might not even know. Being vulnerable to SQL injection implies a very low level of expertise. It sounds like they do know: Hold Security would not name the victims, citing nondisclosure agr...
by ajcp
Wed Aug 06, 2014 3:38 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8426

Re: Which Lenovo or Asus desktop computer to buy?

Question on the SSD. If I buy the computer I proposed and later want to add the SSD drive how do I get the operating system on the SSD drive? Particularly when one is not supplied the operating system CD with this particular computer? If I'm perceiving the problem correctly are you really advising ...
by ajcp
Wed Aug 06, 2014 8:09 am
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 3352

Re: Vanguard's Facebook presence

Folks, I have never used Facebook at all. I am a senior citizen who is trying to go high tech. Over the last several years I have become somewhat computer literate, however I still have reservations about using Facebook because I do not want to increase my vulnerability to hackers. Earlier I saw Va...
by ajcp
Mon Jul 28, 2014 6:06 am
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 39
Views: 5627

Re: Rules of thumb that shouldn't be

So yes if you have one of these super plans that are about as common as left handed screwdrivers, take advantage. But I'm happy with the rule of thumb. +1. You shouldn't follow it if you have unusual circumstances, but institutional funds or a backdoor Roth that maybe 5% of people have to worry abo...
by ajcp
Fri Jul 25, 2014 10:23 am
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 39
Views: 5627

Re: Rules of thumb that shouldn't be

So yes if you have one of these super plans that are about as common as left handed screwdrivers, take advantage. But I'm happy with the rule of thumb. +1. You shouldn't follow it if you have unusual circumstances, but institutional funds or a backdoor Roth that maybe 5% of people have to worry abo...
by ajcp
Tue Jul 01, 2014 6:46 am
Forum: Personal Consumer Issues
Topic: NY Yankees seats - best value?
Replies: 12
Views: 1715

Re: NY Yankees seats - best value?

I think the bleachers are a ton of fun. Last time I went I only spent 15 or 20 buying on stubhub. Obviously you can't see the game as well out there, but you obviously don't feel as obligated to stay in them all game either. I remember going to a Yankees game in their old stadium, and the crowd in ...
by ajcp
Wed Jun 18, 2014 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Stepped up basis question
Replies: 7
Views: 828

Re: Stepped up basis question

I'm not an expert, so maybe I'm wrong here, but this sounds like tax evasion to me.
by ajcp
Sun Jun 15, 2014 7:57 am
Forum: Personal Finance (Not Investing)
Topic: HSAs in California
Replies: 108
Views: 37628

Re: HSAs in California

Alternatively, you can just invest your HSA in something tax-efficient, and pay the small tax bill. I live in NJ and have all my bonds in my employer plan, so my HSA is invested in a stock ETF. I pay NJ taxes on the dividends, and would pay NJ taxes on any capital gains realized by the ETF (unless ...
by ajcp
Wed Jun 11, 2014 11:35 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2014!
Replies: 385
Views: 98443

Re: Roll Call for the Retirement Class of 2014!

The average retirement age of those who posted their ages is 59.52. Folks sure are retiring earlier and earlier. That's largely a function of people on this board tending to be above average earners and savers. According to Gallup, the average US retirement age is now 62 and has been trending up fo...
by ajcp
Thu Jun 05, 2014 7:17 am
Forum: Personal Investments
Topic: What would you do with 1million
Replies: 17
Views: 2666

Re: What would you do with 1million

The Wizard wrote:$28M is a lot for a person your age. Earned assets or inherited?
For your age? It's a lot for any age, but if I had to pick an age that it was most likely, I'd think it'd be in the area of 58, no?
by ajcp
Tue Jun 03, 2014 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 8019

Re: Two Comma Club!

Cut-Throat wrote:
Medviersi wrote:Very impressive, you are in a great position.

By my calculations you should be in the three comma club in 2019 ;)
We'd love to see the math on that one !
Image
by ajcp
Tue Jun 03, 2014 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 53
Views: 7742

Re: Half Milestone Hit!

Nicely done! I'm well on my way to that milestone as well :) ... Do you mean the 1M mark or "half milestone"? I'd be curious to know if it gets any easier as time/accumulation marches on. Currently, our savings rate is roughly 43% and I've always wondered "if we stopped contributing ...
by ajcp
Thu May 29, 2014 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 17932

Re: Pre-nup at only $1M networth, do I need it?

In no way would I want to see her or my child suffer. I can only speak for myself, but there was one thing that always stuck out to me - and I'm a single, low income person so I would have to guess it worries some of the many high income people we have on this board. There's a big gap between not s...
by ajcp
Tue May 27, 2014 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to decide your number?
Replies: 61
Views: 10878

Re: How to decide your number?

I would say if you did the above you would be better off than 75% of all other Americans. I have no documentation to back it but from what I have read else ware the current saving rates are no ware close enough to meet 20X-25X! Oh definitely. I'd actually say more like 95% and wouldn't be shocked i...
by ajcp
Tue May 27, 2014 7:22 am
Forum: Investing - Theory, News & General
Topic: This market is a snoozer, do you like it?
Replies: 45
Views: 5909

Re: This market is a snoozer, do you like it?

It is what it is, I am just hoping my sequence of returns of my investing timeline is good John Amen. It's funny how much luck has to do with it all, isn't it? I don't think sequence of returns matters as much when investing... Start investing in 1940 or 1960 or 1980... buy and hold for 30+ years h...
by ajcp
Tue May 27, 2014 7:11 am
Forum: Personal Consumer Issues
Topic: How to get an iPhone cheap?
Replies: 11
Views: 1799

Re: How to get an iPhone cheap?

and Apple will provide software updates for several years, which is much, much better than Android land. The only real difference (especially now, maybe not so much years ago) is how each company defines "update". Apple updates old phones but may remove features to get the new OS to work ...
by ajcp
Mon May 26, 2014 1:36 pm
Forum: Personal Consumer Issues
Topic: How to get an iPhone cheap?
Replies: 11
Views: 1799

Re: How to get an iPhone cheap?

I would not try to save on a cheap iphone. Apple has only recently made phones for different price points, generally their plan has been to made last year's high tier this year's mid tier and the 2 year old phone this year's low tier. I've known a few people who either bought a new old iphone (e.g. ...
by ajcp
Sun May 25, 2014 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford?
Replies: 16
Views: 2444

Re: How much house can I afford?

What are your expenses like now? Because one thing that jumped out that me is you make 185k and only have 312k saved. Considering your circumstances, unless you only recently got a huge raise, that seems really low to me.
by ajcp
Sat May 24, 2014 4:30 pm
Forum: Personal Consumer Issues
Topic: Fixed income - meaning of the phrase
Replies: 12
Views: 3784

Re: Fixed income - meaning of the phrase

As for the connection of fixed income with low income: CEO pension plans are now worth an average 239 times more than the retirement plans for the employees they supervise, according to data compiled by NerdWallet on the companies with the 10 highest gaps. These CEO pension values will make your he...
by ajcp
Sat May 24, 2014 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Husband just lost job
Replies: 60
Views: 8812

Re: Husband just lost job

There are enrollment times for the ACA, but I suspect losing health insurance is a qualifying event to sign up any time. It definitely is, so that and COBRA are things to look into and see what works best for you. Sorry to hear about your situation, and being stressed and scared is completely under...
by ajcp
Fri May 23, 2014 5:05 pm
Forum: Personal Consumer Issues
Topic: Fixed income - meaning of the phrase
Replies: 12
Views: 3784

Re: Fixed income - meaning of the phrase

I'm with the wizard, when people say fixed income they usually mean low income.
by ajcp
Fri May 23, 2014 4:59 pm
Forum: Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 8307

Re: How much house should I buy? (young person with many ass

If nothing else, this topic has pushed me further into "I think I'm gonna be a lifelong renter" territory. Not because I don't think I could afford it if I really wanted to, but the more I read the more I don't really want to. OP posted this nine minutes after joining the board yesterday a...
by ajcp
Fri May 23, 2014 8:42 am
Forum: Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 8307

Re: How much house should I buy? (young person with many ass

Jeez, what a bunch of grinches :annoyed Pat, if you want a modest house, go ahead and buy it. And if you take the down payment from the IRA (take enough to pay the taxes too) that is just fine. Someone probably left the money to you because they thought you would get more joy from it than they woul...
by ajcp
Fri May 23, 2014 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest option for sending gift cards?
Replies: 16
Views: 2670

Re: Cheapest option for sending gift cards?

My bank has offered them few few in the past, you can check if yours does too.
by ajcp
Wed May 21, 2014 8:31 am
Forum: Investing - Theory, News & General
Topic: When is a taxable account unnecessary?
Replies: 30
Views: 2787

Re: When is a taxable account unnecessary?

No it's not needed, it's just that many on this board are able to max out their tax advantaged and still have more they want to invest. The one advantage is that it can be withdrawn at any time with no penalties, so if you had a shorter term goal or wanted a secondary/backup emergency fund, that cou...
by ajcp
Tue May 20, 2014 6:56 am
Forum: Personal Consumer Issues
Topic: No forward delete on Android keyboard?
Replies: 7
Views: 4781

Re: No forward delete on Android keyboard?

I don't know of any mobile device that has a way to do this.
by ajcp
Mon May 19, 2014 9:21 pm
Forum: Personal Consumer Issues
Topic: Net weight inaccurate on food items ?
Replies: 17
Views: 1735

Re: Net weight inaccurate on food items ?

I'm not a fitness expert either but you could make this much simpler than weighing a package of raspberries. I lost ~40 pounds last year and didn't change a single thing about my diet - my sister actually got jokingly mad at me since I lost so much weight while continuing to eat crap. I just added ...
by ajcp
Mon May 19, 2014 6:24 am
Forum: Personal Consumer Issues
Topic: Net weight inaccurate on food items ?
Replies: 17
Views: 1735

Re: Net weight inaccurate on food items ?

I am neither a health or nutrition professional - but three years ago, I lost 55 pounds in 11 months - and have maintained that approximate weight since then. During that entire time, including the period of maintaining the weight loss - I never actually "counted" calories, letalone ever ...
by ajcp
Sun May 18, 2014 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to have a life if you can't save 6months expenses?
Replies: 20
Views: 2884

Re: How to have a life if you can't save 6months expenses?

1) max out 401k 2) max out roth ... [then] spend the rest. Stop right there. This is complete nonsense. Why should the contribution limits for 401k/IRA magically be just the right amount to save for retirement? +1. Someone making half a million should be saving much more than that. Someone making 5...
by ajcp
Fri May 16, 2014 6:58 pm
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 15100

Re: Apple Stock - Seems great, right?

Never understood the appeal of IPhones vs Android. In features, IPhones don't come close. I've used my Droid as a full fledged 3D GPS with voice for almost 3 years. I saw somebody's IPhone 4S the other day and they still didn't have the ability to do that, and Apple wouldn't allow you to install ne...
by ajcp
Fri May 16, 2014 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: is 2.5% worth the minor inconvenience? [checking account]
Replies: 33
Views: 3134

Re: is 2.5% worth the minor inconvenience? [checking account

Been doing that for at least 4 years with my CU. Requires 12 purchases per month with the debit card used as credit, and one direct deposit per month. At first they offered 3% on balances up to $25K and now it's 2.5% up to $20K; still pretty good. So, it hasn't quickly disappeared at all (cross fin...
by ajcp
Sun May 11, 2014 4:57 am
Forum: Investing - Theory, News & General
Topic: Poll: Do you own Total Bond Market?
Replies: 50
Views: 6108

Re: Poll: Do you own Total Bond Market?

My 401k has intermediate index but not total bond, so no I do not.
by ajcp
Sun May 11, 2014 4:28 am
Forum: Investing - Theory, News & General
Topic: Cheapest Health Saving Account Brokerage/Admin
Replies: 15
Views: 2154

Re: Cheapest Health Saving Account Brokerage/Admin

Spirit Rider covered it, what you're looking for doesn't exist, and $14/quarter isn't actually that bad in the world of HSAs. I'd either leave it with Fidelity or since it's not too high a balance and you aren't able to add to it anymore, use it for medical expenses until it's depleted.
by ajcp
Sun May 11, 2014 4:01 am
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 17008

Re: CNBC - [Among millionaires, 4% are doctors]

Regardless of what this survey does or does not prove, I think it is true that fewer people become millionaires than could, or perhaps should, given their income. As a physician who will probably enter that 4% club in the near future, my opinion is that many people know essentially nothing about in...
by ajcp
Sun May 11, 2014 3:45 am
Forum: Personal Consumer Issues
Topic: Why do these people want to buy my home?
Replies: 24
Views: 15261

Re: Why do these people want to buy my home?

Although I've always ignored them, I've gotten similar stuff in the mail for my car from dealers. What's in it for them is the same..."TOP DOLLAR" is, in fact, a pretty nice discount. Then they can sell it later for a profit.