Search found 196 matches

by TA_Lurker
Tue Nov 01, 2011 2:03 pm
Forum: Personal Investments
Topic: Should I hold a rental property as a college fund?
Replies: 12
Views: 1910

Re: Should I hold a rental property as a college fund?

What happens if the resale value of the property doesn't keep pace with the cost of tuition?
by TA_Lurker
Mon Oct 31, 2011 3:56 pm
Forum: Personal Consumer Issues
Topic: Enforcing no drunk driving policies at your party
Replies: 19
Views: 1842

Re: Enforcing no drunk driving policies at your party

Hi All, This topic seems particularly timely with the holiday season shortly upon us. As responsible adults, it's usually not an issue....Combined with his love for booze and a distinct sense of independence, we're all forced to admit he's surely driven illegally some nights leaving our and our fri...
by TA_Lurker
Wed Oct 26, 2011 2:30 pm
Forum: Personal Investments
Topic: 401k advice - 27yo/single
Replies: 6
Views: 919

Re: 401k advice - 27yo/single

Two things: Most everyone here would suggest you add bonds to your portfolio for diversity. I'm 30 y/o and have ~20% of my portfolio in bonds. The next thing to focus on is savings rate. Given the size of your portfolio, spending an hour this week figuring out how to save an extra 2% in your 401k ne...
by TA_Lurker
Wed Oct 26, 2011 2:08 pm
Forum: Personal Investments
Topic: Does my plan seem reasonable?
Replies: 2
Views: 475

Re: Does my plan seem reasonable?

1. Will this cost me any money in transaction fees by switching out of the target retirement fund and into other no load index funds? No it will not. 2. If I want to allocate 7.5% of my money toward VEIEX, would it be reasonable to take 2.5% out of VTSAX and 5% out of VGTSX? 3. Would this potential...
by TA_Lurker
Wed Oct 26, 2011 1:46 pm
Forum: Personal Investments
Topic: Advice for a 22 year old engineer
Replies: 47
Views: 7099

Re: Advice for a 22 year old engineer

First work towards saving enough money to cover a minimum of six months of living expenses. Set this aside as your emergency fund. I keep mine in an ING Direct account. Second work towards contributing $5,000 into your Roth IRA. You have until April 15, 2012 to meet this goal. You can keep your mone...
by TA_Lurker
Sun Oct 23, 2011 7:50 am
Forum: Personal Consumer Issues
Topic: How often do you clean?
Replies: 45
Views: 4233

Re: How often do you clean?

rustymutt wrote:Glad I'm married.
Is this a generation gap thing? I imagine I will still share the cleaning with my wife when I'm married. I also cook and do the laundry. Ladies in quite the catch. 8-)
by TA_Lurker
Sun Oct 23, 2011 7:47 am
Forum: Personal Consumer Issues
Topic: Mint.com - how are you using it?
Replies: 28
Views: 4029

Re: Mint.com - how are you using it?

I have all my credit cards & store cards linked to the site. I added my ING accounts after they created a seperate read only access for sites like mint. I use the site to categorize my credit card spending and to monitor seldomly used cards to make sure to pay them off in full when they're due. ...
by TA_Lurker
Sun Oct 23, 2011 7:21 am
Forum: Personal Consumer Issues
Topic: How often do you clean?
Replies: 45
Views: 4233

Re: How often do you clean?

Single 30 y/o guy here sharing a 2 bed 1 bathroom apt with another single guy. We sweep, dust, mop, and wipe down every surface once a week. We have a google doc with a check list and rotate the whole list of chores on a two weeks on, two weeks off basis. Other things are cleaned on a voluntary, whe...
by TA_Lurker
Tue Sep 27, 2011 10:58 am
Forum: Personal Consumer Issues
Topic: What are your favorite podcasts?
Replies: 31
Views: 3784

One I haven't yet seen in any of these threads is This Week with Larry Miller . It's a half hour weekly comedy podcast featuring stories from Larry's life and done in a style similar to a program from the glory days of radio. If you don't recognize Larry Miller by name Google him, you'll recognize h...
by TA_Lurker
Sun Sep 11, 2011 2:19 pm
Forum: Personal Consumer Issues
Topic: Any new ideas in cutting cable?
Replies: 49
Views: 9087

I would pay whatever they wanted in order to keep NFL football and the NFL Network. They have me by the balls there. I would pay $500 a month just to have football and I mean that. DirectTV has an online streaming option for their NFL Sunday Ticket. You can stream all season from their website or t...
by TA_Lurker
Mon Aug 08, 2011 3:23 pm
Forum: Personal Consumer Issues
Topic: Suit up (i.e. buying new suits for a new job)
Replies: 33
Views: 6218

wjo wrote:At the minimum, two more suits and five shirts with 10 ties.
Unless you do your own ironing or are very good at getting to and from the dry cleaner I'd suggest having a few more shirts. Otherwise this is great advice.
by TA_Lurker
Sun Jun 19, 2011 8:02 am
Forum: Personal Finance (Not Investing)
Topic: am I being unreasonable? Trying to "sneak" savings
Replies: 158
Views: 23593

Is there a an actual financial problem? If you are saving 25% of gross I think you are fine. One spouse prefers less consumption and more savings which is a matter of taste as much as anything. You present this at a cheapskate forum so people tend to agree with you. I think you understate your part...
by TA_Lurker
Tue Jun 07, 2011 8:01 pm
Forum: Personal Consumer Issues
Topic: Porn on the web and your kids
Replies: 29
Views: 4901

Let me start off by saying that I am not a parent but I am 30 year old man and this allows me to speak authoritatively as a member of the last generation of teenagers who can remember life before the Internet. Though my surfing was hampered by 36.6k modems, busy signals at America Online, and having...
by TA_Lurker
Fri May 06, 2011 12:44 pm
Forum: Personal Consumer Issues
Topic: Will I burn my building down?
Replies: 2
Views: 929

Will I burn my building down?

I own a clothing steamer ( I think this model ) and a week or two ago I noticed it wasn't working normally. The power light would come on the moment I plugged the device in -- before I even flipped the power switch (well, it's more like a pedal as seen in the link above). I moved the unit for the fi...
by TA_Lurker
Fri May 06, 2011 7:55 am
Forum: Personal Investments
Topic: Young Investor Just Starting Out
Replies: 21
Views: 2788

Re: Young Investor Just Starting Out

Since I have another year of high school and then four years of college, I want to start by making a five-year plan. I would like to find investments that I could hold for the five year time period. After that, I should be able to make whatever changes I need to make based on whatever job I have, m...
by TA_Lurker
Thu May 05, 2011 7:48 pm
Forum: Personal Investments
Topic: Young Investor Just Starting Out
Replies: 21
Views: 2788

…and there are no tax issues until I withdraw the money at age 59 1/2. That's the part I think you are not following. Because this is a non-spousal beneficiary IRA the tax treatment is the same on your 19.5, 29.5, 39.5, 49.5, 54.7, and 73rd birthdays. That money has to be distributed annually and i...
by TA_Lurker
Thu May 05, 2011 12:17 pm
Forum: Personal Investments
Topic: Young Investor Just Starting Out
Replies: 21
Views: 2788

kerplunk - once again thanks for the information. This account is an IRA and the money has to stay in it until I take it out for retirement. I could start to take it out at age 21 but then there would be taxes, etc. I plan to just let it sit where it is. You are a non-spousal beneficiary of your fa...
by TA_Lurker
Thu Feb 10, 2011 7:46 pm
Forum: Personal Investments
Topic: Good for a 23 year old?
Replies: 14
Views: 2471

Re: Good for a 23 year old?

Do you think that this is a good allocation for somebody my age (80/20), I am not a cowboy and I am looking to save this money for the long term 10+ years. I think you really must be 23 if you think 10+ years is the long term. :D You have a great beginning to your future savings, but be mindful of ...
by TA_Lurker
Sat Jan 29, 2011 11:37 am
Forum: Personal Consumer Issues
Topic: Best Cookbook for Single Guy?
Replies: 62
Views: 12350

On technique and TV: go with Alton Brown. Most cooking shows are food porn for the skilled. Alton Brown's "Good Eats" show is one of the few I've ever seen that explains the necessary skills a cook needs. You can get snippets of his show on Hulu or some "best of" type collections...
by TA_Lurker
Fri Jan 28, 2011 1:39 pm
Forum: Personal Consumer Issues
Topic: Best Cookbook for Single Guy?
Replies: 62
Views: 12350

Re: Best Cookbook for Single Guy?

Does anyone know of a good cookbook or cookbooks for a single guy? I have no cooking experience whatsoever, so it should be easy to understand and start with the basics. Mark Bittman's "How to Cook Everything". It's a lengthy book but the recipes are simple and easy to follow, there an no...
by TA_Lurker
Thu Jan 06, 2011 6:09 pm
Forum: Personal Investments
Topic: Portfolio help mid 30's beginner
Replies: 7
Views: 1859

Re: Portfolio help mid 30's beginner

35K alotment for "gambling" (individual stock picking) - This is money I can afford to lose. I only combined it with the retirement funds recently becuase of tax advantages on the profit made here. Made about 35% last year in gambling only money in taxable account. This part caught my eye...
by TA_Lurker
Tue Oct 26, 2010 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial Agreement drafted
Replies: 177
Views: 19620

Well, I am not the OP and don't have a bride-to-be at the moment, I am just pointing out how much the risk/reward calculus of marriage has changed for men these days. It is very much a worse deal now than for previous generations of men. ...which is true of most changes that did away with the uniqu...
by TA_Lurker
Sun Oct 10, 2010 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Purchase Plan
Replies: 5
Views: 1645

:D I live 10mi outside BOS. Why do you want a house? I don't really want a house today, I'm happy living with my roommate who is a life long friend, but given that it will take someone of my means a couple of years to save for a downpayment I thought I would get my finances in order in case my futu...
by TA_Lurker
Sun Oct 10, 2010 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Purchase Plan
Replies: 5
Views: 1645

First Time Home Purchase Plan

Hi Everyone, I'm here to ask for some guidance and advice on the matter of purchasing a first home. First some details about me: Age 29 Income 44.5k (gross) Single I have a 1 Year Emergency Fund. My 401k and Roth IRA are invested as per Boglehead philosophy and are worth about 72k. I contribute 20% ...
by TA_Lurker
Thu Aug 12, 2010 12:23 pm
Forum: Personal Consumer Issues
Topic: [Are any Bogleheads] Eagle Scouts?
Replies: 65
Views: 8255

Re: Eagle Scouts?

magicmom wrote:Are any Bogleheads Eagle Scouts?
I ended my time in the scouts after I graduated from Weeblos and was told that the next level of scouting didn't participate in the pinewood derby. I <3'd the pinewood derby as a boy.
by TA_Lurker
Thu Aug 12, 2010 9:48 am
Forum: Personal Consumer Issues
Topic: The Best Man Speech
Replies: 31
Views: 5219

The Best Man Speech

My friend is getting married this weekend and as the best man I'm giving a speech. I've taken two days off of work to write this thing and while I think I can write something brief and heartfelt, if not entertaining, I would love any suggestions or advice the community can provide. What're the basic...
by TA_Lurker
Mon Jul 26, 2010 2:39 pm
Forum: Personal Investments
Topic: NPR Radio
Replies: 9
Views: 2514

There are these stations on Shortwave that just broadcast streams of numbers. It was finally admitted a couple of years ago that yes, indeed, they are broadcasting to spies. A way the US and British government communicate with overseas agents apparently. These stations were written about shortly af...
by TA_Lurker
Fri Jul 23, 2010 1:13 pm
Forum: Personal Consumer Issues
Topic: NY Times: The Web Means the End of Forgetting
Replies: 31
Views: 4364

In any case, unless you have a common name, it's probably a good habit to google yourself once in a while just to make sure there's nothing you don't want people to see. For most of us, there's probably nothing to worry about, but it doesn't hurt to be proactive. Better still let Google keep an eye...
by TA_Lurker
Wed Jul 14, 2010 12:31 pm
Forum: Personal Investments
Topic: Amount I can contribute to my 401K is being cut
Replies: 45
Views: 5559

Okay I suspected that somehow the "fat cats" were getting "punished". But how do you know that the plan isn't fair? Or at least what could it be that would make a plan deemed to be "unfair". According to the regulations the plan is self-evidently "unfair" as ...
by TA_Lurker
Tue May 04, 2010 10:47 am
Forum: Personal Consumer Issues
Topic: Boston Water Emergency
Replies: 31
Views: 3702

What is the probability of falling sick if you don't boil the water? Is this just a case of much ado about nothing. or local governments creating a state of fear just to show people they are in control? From this article: http://www.boston.com/news/local/massachusetts/articles/2010/05/03/mass_says_...
by TA_Lurker
Tue Mar 02, 2010 2:03 pm
Forum: Personal Consumer Issues
Topic: Comic Book Collectors
Replies: 12
Views: 2466

I looked into a comic book donation for children's hospitals, but they actually hand the comics to the kids for their enjoyment, which would destroy the value I'm a couple of years removed from being a comic collector but I do remember that most comic books aren't worth the paper they're printed on...
by TA_Lurker
Thu Feb 18, 2010 11:48 am
Forum: Personal Consumer Issues
Topic: Recommendations for a Vegas Bachelor Party
Replies: 32
Views: 6722

I would advise against trying to get into a big club like Tao with a bunch of men. The only way you're getting in is buying bottle service which will run you $500 a bottle and depending on the size of your party, you'll need to get multiple bottles. There are a few ways for men to get into the popu...
by TA_Lurker
Thu Feb 18, 2010 11:36 am
Forum: Personal Consumer Issues
Topic: Recommendations for a Vegas Bachelor Party
Replies: 32
Views: 6722

I'm planning a similar trip for May/June and here are two tips based on a little bit of Vegas experience: 1) Gamble downtown on Freemont st. The table minimums are lower there. The casinos are also more tightly bunched making it easier to walk between casinos & find a good table/vibe. 2) As a gr...
by TA_Lurker
Sat Jan 16, 2010 12:25 pm
Forum: Personal Investments
Topic: Career & Portfolio Advice Requested. Thanks!!!
Replies: 5
Views: 1093

To be in the 25% bracket, even filing single, you have to be making a pretty serious amount of money. Hi Paul, Thank you for your kind words. They were very reassuring. I'm in the 25% bracket by just a few thousand dollars. I think I could fall out of the bracket entirely if I contributed to a trad...
by TA_Lurker
Sat Jan 16, 2010 11:36 am
Forum: Personal Investments
Topic: Career & Portfolio Advice Requested. Thanks!!!
Replies: 5
Views: 1093

Career & Portfolio Advice Requested. Thanks!!!

Hi. I'm a long time lurker looking for some career advice. First things first: Emergency funds = 12 months of expenses Debt: I have zero debt. Tax Filing Status: Single Tax Rate: 25% Federal 5.3% State of MA Age: 29 Desired Asset allocation: 80/20 Current portfolio is about 60k His Roth at Vanguard ...
by TA_Lurker
Fri Oct 16, 2009 9:23 am
Forum: Personal Consumer Issues
Topic: The Lost Generation - job crisis hitting young people hard
Replies: 72
Views: 10162

It doesn't take anyone to be "above average" to live beneath their means. Period, plain and simple. Is there anyone here on bogleheads that has a family to raise? Or is everyone here with a family 'above average'? Come on, let's stop with the victim mentality, please. Speaking as a long t...
by TA_Lurker
Fri Aug 14, 2009 12:20 pm
Forum: Personal Consumer Issues
Topic: All Time Diehard/Boglehead Classic Movie Master List
Replies: 156
Views: 20424

Valuethinker wrote:
zhiwiller wrote:Highlander won the Academy Award for best movie ever made.
We don't mean the one with Sean Connery? That was awful. It was only really entertaining because it was clear the scriptwriter had read Roger Zelazny.

We must mean another movie?
Google: Talladega Nights Memorable quotes imdb.com :D
by TA_Lurker
Sun Jun 07, 2009 12:15 pm
Forum: Personal Consumer Issues
Topic: My website makes $5 a day if I invest that in VTSMX and VBMF
Replies: 10
Views: 1975

I believe the answer is:

(5x365) x (20^1.X)

X being your assumed annual rate of return.
by TA_Lurker
Thu May 28, 2009 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed, moving in with boyfriend.
Replies: 64
Views: 11653

Amishman wrote:I would recommend getting married before moving in together.
Given the high costs associated with divorce wouldn't the opposite be the boglehead approach? :wink:
by TA_Lurker
Thu May 28, 2009 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed, moving in with boyfriend.
Replies: 64
Views: 11653

Does anyone see problems with using the joint checking/credit card? That seems like a neat idea. You need to pause and reflect on your assumptions. Do you want joint checking/credit cards because you assume it makes financial transactions easier or do you want joint checking/credit cards because yo...
by TA_Lurker
Fri May 22, 2009 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house?
Replies: 13
Views: 2521

I'd also like to add that it sounds like your parents are trying to manage your life by subsidizing their choices for you. This is a boundary issue. As a fledgling adult you need to learn to see your parents as whole human beings, including their flaws. Consider your parents' relationship with money...
by TA_Lurker
Fri May 22, 2009 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house?
Replies: 13
Views: 2521

Mixing money with family solely for the purpose of pleasing said family seems like a bad idea.
by TA_Lurker
Thu Mar 05, 2009 12:22 pm
Forum: Personal Investments
Topic: 26 year old - Portfolio Adivce Kindly Requested
Replies: 5
Views: 1744

Re: 26 year old - Portfolio Adivce Kindly Requested

Current portfolio : Mid 5 figures. Taxable 35.2% cash in an Online High Yield Savings Account @ HSBC (for investing) Hi Eric, I'm of a similar age with a similar portfolio value. I would recommend that you hold a Target Retirement Fund in all three of your tax exempt accounts with Vanguard. Given t...
by TA_Lurker
Tue Feb 03, 2009 7:56 pm
Forum: Personal Investments
Topic: Opening a Roth for my wife...will we be able to contribute?
Replies: 4
Views: 1282

Check out IRS Publication 590 for the answer to your IRA eligibility question.
by TA_Lurker
Wed Jan 21, 2009 12:07 pm
Forum: Personal Investments
Topic: Please Comment/Criticize My Investment Plan, Thanks!
Replies: 20
Views: 3477

Re: Please Comment/Criticize My Investment Plan, Thanks!

Background: Age: 20 Debt:0 Taxes: Single/CA 0/0 (No current income} Occupation: Student, Income Derived from Scholarships and Tutoring Gig PLAN 50,000 dollar lump sum inheritance from Great-Uncle. Wish to invest the money. Do not plan on touching it for at least 15 years. Question: do you have any ...
by TA_Lurker
Mon Nov 03, 2008 11:03 pm
Forum: Personal Investments
Topic: Undoing my '08 Roth contribution?
Replies: 121
Views: 38594

If someone else calls and gets something different maybe this can be reopened, but as of now I think this myth is busted (unfortunately) This is my first post, I've been a lurker for a few months, but this thread has really struck my curiosity, and not just because i'm in the same position as the o...