Search found 265 matches

by TenS2XS
Sun Mar 15, 2015 1:14 pm
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 56
Views: 7891

Re: Poll: Your Max. REIT Allocation

Has, or is anyone considering reducing their REIT allocation considering the potential for increasing interest rates?
by TenS2XS
Sun Mar 01, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 322
Views: 71361

Re: If your networth is over $3 million, how did you do it?

I'm curious as to how people calculate their network. Liquid network that excludes home equity, households items, etc.? Do you include the full balance of your 401k? I look at my 401k as a joint account with the IRS since they will get a portion of it when I get to the withdraw phase. Do you include...
by TenS2XS
Sun Mar 16, 2014 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Retirement vehicle for 2014 AGI over $160,000
Replies: 9
Views: 1243

Re: Retirement vehicle for 2014 AGI over $160,000

If you exceed the MAGI for making Roth contributions you can use the so called "backdoor" method of contributing to a non-deductable traditional IRA contribution and then convert it to a Roth. Another place to put money to have it grow tax-deferred is Series I Savings Bonds.
by TenS2XS
Fri Jul 12, 2013 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Inherited "stretch" IRA and backdoor Roth contrib.?
Replies: 2
Views: 328

Inherited "stretch" IRA and backdoor Roth contrib.?

A relative of mine has in past years made contributions to a Roth IRA by first contributing to a traditional non-deductable IRA and then converting, a.k.a. the backdoor method. Now they have an inherited IRA that will be distributed via annual RMDs based on their age. Anyone know or have an opinion ...
by TenS2XS
Sun Nov 04, 2012 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: PenFed Credit Union - 1 year CD = 1.26 APY
Replies: 6
Views: 1143

Re: PenFed Credit Union - 1 year CD = 1.26 APY

I could not find any indication that their certificates are NCUA protected either.
by TenS2XS
Sun Aug 05, 2012 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Bye Retail Mutual Funds
Replies: 5
Views: 578

Re: Bye Retail Mutual Funds

With all due respect, it would seem you've executed part of a plan without having a plan. I would suggest that if your proceeds are sitting in a vehicle earning 1 percent or less that you're losing quite a bit now to inflation like you were to fees in the MFs. But, I can see where you might want to ...
by TenS2XS
Tue Jul 17, 2012 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs. Roth 401k
Replies: 2
Views: 1609

401k vs. Roth 401k

My wife and I are 5 years from our target retirement date. We may want to work longer but for planning purposes that's the target. We are maxing out our 401k contributions. My wife's plan has a Roth 401k option that we're currently not taking advantage of. Although we have accumulated a decent amoun...
by TenS2XS
Mon Mar 26, 2012 8:30 pm
Forum: Personal Consumer Issues
Topic: Junk removal companies - any recommendations?
Replies: 14
Views: 1816

Junk removal companies - any recommendations?

I'm thinking about using "Got Junk" or one of their competitors but I don't have any experience with them. Does anyone have any input on their service, value for the cost, etc?

Thanks.
by TenS2XS
Sat Feb 18, 2012 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you start feeling old?
Replies: 110
Views: 10565

Re: At what age did you start feeling old?

I felt older when our child announced his engagement, but not old. I felt older when a parent passed away, but not old. I felt older at the milestone of 30 years with my employer, but not old. I think I will feel old when I can no longer do something independently that I more or less take for grante...
by TenS2XS
Sat Jan 21, 2012 11:29 pm
Forum: Personal Consumer Issues
Topic: What's Your Favorite Username?
Replies: 89
Views: 4984

Re: What's Your Favorite Username?

When you think about it, this thread is typical of BH behavior...having a little fun with a very low ER.
by TenS2XS
Sat Jan 21, 2012 7:22 pm
Forum: Personal Consumer Issues
Topic: What's Your Favorite Username?
Replies: 89
Views: 4984

Re: What's Your Favorite Username?

Buyhighsellow
Rick Ferri
megomatic
worldbfree
mydawgblue
myusername
freebeer
ShiftF5
Phineas J. Whoopee
by TenS2XS
Sun Jan 15, 2012 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: VG Tax-managed G&I
Replies: 9
Views: 564

Re: VG Tax-managed G&I

Yes. Sorry for that outburst.

I don't usually see institution-only funds when comparisons. I guess it's the way I searched.
by TenS2XS
Sun Jan 15, 2012 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: VG Tax-managed G&I
Replies: 9
Views: 564

Re: VG Tax-managed G&I

Actually, I was thinking "Investor" shares not "Institutional" shares vs. Admiral, so maybe it's typical that the institutional version generally does have a lower ER.
by TenS2XS
Sun Jan 15, 2012 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: VG Tax-managed G&I
Replies: 9
Views: 564

Re: VG Tax-managed G&I

From what I've seen, it's generally the other way around. In exchange for the higher commitment you get a lower ER.
by TenS2XS
Sun Jan 15, 2012 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: VG Tax-managed G&I
Replies: 9
Views: 564

Re: VG Tax-managed G&I

vtglx and vtmix
by TenS2XS
Sun Jan 15, 2012 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: VG Tax-managed G&I
Replies: 9
Views: 564

VG Tax-managed G&I

Any idea why the institutional shares have a lower expense ratio than the admiral shares?
by TenS2XS
Tue Oct 25, 2011 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: I splurged this weekend!
Replies: 71
Views: 8230

Re: I splurged this weekend!

It's all good as long as you didn't sacrifice some needed retirement savings for it. Good pick - enjoy! Right. I wouldn't do it till I was FI. Agreed. I did debate this for a while, but at the end decided that I rather be driving this car when my knees and body can take the everyday "abuse&quo...
by TenS2XS
Mon Oct 10, 2011 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much is short-commute worth?
Replies: 57
Views: 7334

My circumstances at the time may not relate to yours but I'll share my experience anyway. After 3 years at my first job out of college I started looking around and ended up getting two good offers on the same day. The commutes were similar, both kind of long. The money at offer A was about 20% more ...
by TenS2XS
Tue Sep 27, 2011 9:22 pm
Forum: Personal Consumer Issues
Topic: kitchen counter brand/materials?
Replies: 11
Views: 1514

We decided to go with Quartz about 18 months ago. So far so good.
by TenS2XS
Tue Sep 27, 2011 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for a family SUV Round#2: Kia Sorento vs GMC Acadia
Replies: 16
Views: 3013

Buy American.
by TenS2XS
Tue Sep 27, 2011 9:16 pm
Forum: Personal Consumer Issues
Topic: Has anyone survived a bear attack?
Replies: 157
Views: 18640

Opponent Process wrote:turns out I couldn't survive a cougar attack.


Nice.
by TenS2XS
Mon Sep 19, 2011 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Stock certificates - defunct companies?
Replies: 6
Views: 1701

The AlliedSignal shares are now Honeywell shares, one for one. Still working on the Mack shares.
by TenS2XS
Fri Sep 09, 2011 7:52 pm
Forum: Personal Consumer Issues
Topic: How many friends do you have?
Replies: 52
Views: 7482

I'm not sure. I'll know when I'm in need and I'm on the receiving end of self-less acts.
by TenS2XS
Wed Sep 07, 2011 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Stock certificates - defunct companies?
Replies: 6
Views: 1701

Thanks. I'll provide updates as things progress.
by TenS2XS
Wed Sep 07, 2011 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Stock certificates - defunct companies?
Replies: 6
Views: 1701

Stock certificates - defunct companies?

I have several stock certificates of Allied Signal, Inc (merged with Honeywell in 1999) and Mack Trucks (now owned by the Volvo Group).

How can I determine if they have any value? Thanks.
by TenS2XS
Tue Aug 23, 2011 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Master's of Information Management?
Replies: 13
Views: 1326

Re: Master's of Information Management?

I don't buy that MIM is the hot new degree in IT. In my experience (16 years) degrees mean little in most IT work. This is a "doer" industry where people are rewarded based on their ability to get stuff done. That being said something like a MIM might be worthwhile if it helps you make a ...
by TenS2XS
Sat Aug 20, 2011 8:52 pm
Forum: Personal Consumer Issues
Topic: Life Expectancy Calculator
Replies: 53
Views: 5370

Isn't the world ending in 2012? These calculators must not be taking that into account.
by TenS2XS
Sun Aug 14, 2011 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Calculator
Replies: 32
Views: 6728

I prefer the retirement calculator from the Motley Fool. It allows you to not just enter 401k / IRA but also taxable savings if that is applicable to you. m I like the variables that you can enter in this one as well. I had some curious results in a few of my scenarios however. In a couple of cases...
by TenS2XS
Sun Aug 07, 2011 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody remember slide rules?
Replies: 54
Views: 4269

http://www.hpmuseum.org/srcyl.htm

Saw one of these on one of those estate auction shows on TV. Very interesting. I wouldn't mind having one as a converation piece but in good condition they apparently can sell for $500 or more.
by TenS2XS
Sun Aug 07, 2011 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: In the spirit of staying the course & ignoring the noise
Replies: 0
Views: 328

In the spirit of staying the course & ignoring the noise

A topic other than the downgrade! I'd like to get a sense of how "taxing" it is to do your taxes when one is invested in a MLP. I've read a few articles online and it does sound complex, relatively speaking. Anyone have experience with using Turbotax and can comment on whether it reduces t...
by TenS2XS
Sat Aug 06, 2011 6:43 pm
Forum: Personal Consumer Issues
Topic: iFreeTV?
Replies: 0
Views: 623

iFreeTV?

Anyone use this service? It's not free but at $2.95/month for supposedly thousands of sporting events streamed live, it might be worth it. Using it requires downloading an executable file onto my PC so with the absence of some word-of-mouth endorsements or one from CNET, I'm a little afraid to try it.
by TenS2XS
Mon Jul 25, 2011 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: New investor starting out
Replies: 4
Views: 720

New investor starting out

My 20-something son has accumulated enough in his CD based IRA to meet the minimums to venture into a few funds. We've had conversations covering the concepts of Asset Allocation, low-cost investing and having an IPS. I'm encouraging him to education himself and started him off with a copy of The Ne...
by TenS2XS
Thu Jul 21, 2011 9:43 pm
Forum: Personal Consumer Issues
Topic: Dead grass pattern - mystery
Replies: 37
Views: 5905

http://www.historicaerials.com/ Look there for your address and see what was there in the past. Some areas have better resolution than others. Thanks. I can see there was some kind of structure on that spot as late as 1962. The resolution is too fuzzy to tell what it was. Where our house and the ne...
by TenS2XS
Thu Jul 21, 2011 7:57 pm
Forum: Personal Consumer Issues
Topic: Dead grass pattern - mystery
Replies: 37
Views: 5905

The reason it's brown in that one area is simply because it's a different type of grass. This seems like the best call so far. I don't see why grass would care about concrete 8" down. I drove a metal rod into the ground 6 places along the brown grass rectangle. For each test I hit an impenetra...
by TenS2XS
Wed Jul 20, 2011 10:44 pm
Forum: Personal Consumer Issues
Topic: Dead grass pattern - mystery
Replies: 37
Views: 5905

stratton wrote:
FrugalInvestor wrote:Crop circle created by square aliens?

The flashing lights have mesmerized the original poster so he will forget they landed.

Oops, that's the TV! :P

Paul


That's not it. The aliens always land in the back yard.
by TenS2XS
Wed Jul 20, 2011 10:43 pm
Forum: Personal Consumer Issues
Topic: Dead grass pattern - mystery
Replies: 37
Views: 5905

What are the overall dimensions of the rectangle? My first thought was septic tank, but ours has a flat top, so the grass wouldn't be affected just around the edges. Also, if something is affecting it from below, I would expect it to quite shallow. I second the recommendation of probing the ground ...
by TenS2XS
Wed Jul 20, 2011 8:32 pm
Forum: Personal Consumer Issues
Topic: Dead grass pattern - mystery
Replies: 37
Views: 5905

There's what looks like a concrete foundation about 8" down. I found some rusted metal parts up against it, probably from an old farm implement of some sort. Unfortunately the old timers from the immediate area are no longer around to ask what was there.
by TenS2XS
Tue Jul 19, 2011 8:38 pm
Forum: Personal Consumer Issues
Topic: Dead grass pattern - mystery
Replies: 37
Views: 5905

Yea, I was looking for something to use earlier but ran out of daylight. I have an old rotisserie rod somewhere and will use that.
by TenS2XS
Tue Jul 19, 2011 8:09 pm
Forum: Personal Consumer Issues
Topic: Dead grass pattern - mystery
Replies: 37
Views: 5905

Dead grass pattern - mystery

When it gets hot and dry for an extended period of time like we're having now, a rectangular outline of dead grass appears in the lawn. The lines of the outline are approx. 8" wide. The corners are very crisp right angles. My theory is that there's a concrete or stone wall/foundation there. I'v...
by TenS2XS
Sun Jul 17, 2011 7:44 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' greeting needed
Replies: 29
Views: 3399

Maybe we should have a line of rings, lapel pins, ties, etc. with the symbol from this site. Then we could identify each other like the Masons can. The profit from the proceeds of the sale of these items could be used to help fund the site.
by TenS2XS
Fri Jul 15, 2011 7:20 pm
Forum: Personal Consumer Issues
Topic: Finger Lakes, NY - Things to see and do - Recommendations
Replies: 22
Views: 2584

We visit every year and stay here.

http://www.t-farms.com/

Have always had a pleasant stay and enjoy their restaurant. I also recommend the Red Newt (Seneca) for lunch and tastings as well as Knapp (Cayuga).
by TenS2XS
Sat Jul 02, 2011 11:09 pm
Forum: Personal Consumer Issues
Topic: Replacing your own watch batteries
Replies: 21
Views: 2698

I bought a tool for removing the watch back from Amazon for about $8. The battery cost me around $5. My local jeweler charges $10 to do the replacement. I own two watches and expect to see come out ahead in about 6 months when the other watch needs a new battery. Obviously not big dollars but also n...
by TenS2XS
Wed Jun 22, 2011 9:46 pm
Forum: Personal Consumer Issues
Topic: How much do Bogleheads pay for their cars?
Replies: 79
Views: 8853

I paid around $18k for my current ride...brand new in 1998. I take good care of them and drive 'em for about 15 years. Just basic transportation models with a few nice options. However, I'm thinking of splurging a bit on the next one. If I don't buy something sporty/luxurious this time around, I mig...
by TenS2XS
Fri Jun 17, 2011 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why does my umbrella policy cost so much?
Replies: 53
Views: 13464

I believe the limits on the underlying policies (auto, home) have an impact on the cost to take the coverage to 1M, 2M or whatever.
by TenS2XS
Sat Jun 04, 2011 5:38 pm
Forum: Investing - Theory, News & General
Topic: Are You Doing Better Than You Think (Comparatively)?
Replies: 39
Views: 5977

nisiprius wrote:If I think I'm doing better than I think, and in fact I'm doing just as much better than I think as I think I am... am I, in fact, doing better than I think?


I think not.
by TenS2XS
Tue May 31, 2011 8:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard app for iPad
Replies: 32
Views: 5567

This is a little off topic, but I have to wonder if we really need access to our accounts from our phones. I can see a tablet device if one uses that instead of a computer. But, if I'm an investor that establishes my portfolio to the specifications of my asset allocation and rebalances as necessary,...
by TenS2XS
Tue May 31, 2011 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Your first year investing ?
Replies: 36
Views: 3357

I was 19. Invested in my first semester of college. That and the remaining semesters were my highest returning monetary investments over the long haul.
by TenS2XS
Wed May 25, 2011 9:01 pm
Forum: Investing - Theory, News & General
Topic: My financial reading list - what's missing?
Replies: 43
Views: 5510

I have to stop replying to individual posts. They are all very good and very much appreciated. Thanks!