Search found 737 matches

by exigent
Sun Jun 03, 2012 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Medical bill went to collections agency
Replies: 10
Views: 2620

Re: Medical bill went to collections agency

-- deleted a weird duplicate post in which I quoted myself --
by exigent
Sun Jun 03, 2012 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Medical bill went to collections agency
Replies: 10
Views: 2620

Re: Medical bill went to collections agency

I've had this happen before. If you really owe this amount -- and it sounds like you do -- then I would contact the provider and pay them. You can then (politely) tell the collection agency to buzz off if/when they contact you because the debt has been satisfied, and you can prove it. If the delinq...
by exigent
Sun Jun 03, 2012 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medical bill went to collections agency
Replies: 10
Views: 2620

Re: Medical bill went to collections agency

I've had this happen before. If you really owe this amount -- and it sounds like you do -- then I would contact the provider and pay them. You can then (politely) tell the collection agency to buzz off if/when they contact you because the debt has been satisfied, and you can prove it. This is how I'...
by exigent
Sun Jun 03, 2012 10:37 am
Forum: Investing - Theory, News & General
Topic: Get out your stopwatch: it's a race!
Replies: 41
Views: 3921

Re: Get out your stopwatch: it's a race!

Vanguard has a website?!?!?!? ;-) I found it quickly, but my answer is quite different from what most people are posting. According to Zack's, it was 5.73% on 1/31/12 but most everyone is reporting answers in the 14-15% range. So is this information wrong, or has it nearly tripled in the past few mo...
by exigent
Tue May 22, 2012 10:07 am
Forum: Forum Issues and Administration
Topic: Saving and organizing favorite posts/threads
Replies: 23
Views: 1671

Re: Saving and organizing favorite posts/threads

I use Evernote (a free online SW) which has a great search capability. You could create a notebook called Bogleheads and cut/paste the link along with a blurb on what that post is about (perhaps from the subject). When you want to search for TLH, just search your evernote with that text and, voila,...
by exigent
Tue May 22, 2012 8:46 am
Forum: Forum Issues and Administration
Topic: Saving and organizing favorite posts/threads
Replies: 23
Views: 1671

Re: Saving and organizing favorite posts/threads

I'm a big fan of Pinboard (http://www.pinboard.in/) for saving bookmarks online. There's a one-time fee of a little under $10, but it's totally worth it imho. If you upgrade to their paid service (around $25/year, but they credit your one-time signup fee against the first year) they not only save yo...
by exigent
Mon May 21, 2012 11:18 am
Forum: Personal Finance (Not Investing)
Topic: purging paper files
Replies: 8
Views: 1452

Re: purging paper files

Personally, I would scan, encrypt (in TrueCrypt, as suggested above), and shred. I have a Fujitsu ScanSnap S1500 which makes shredding fast and easy. Highly recommended.
by exigent
Sun May 20, 2012 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Putting rental income in a retirement plan
Replies: 9
Views: 1045

Re: Putting rental income in a retirement plan

Just spitballing here.. Is it possible to incorporate and then pay her a salary from the real estate business? There are tax implications here (e.g., have to pay FICA, etc) so it may not be worth it. But it seems like that would open up the possibility of a SEP or Solo 401(k).
by exigent
Sun May 20, 2012 9:14 am
Forum: Personal Consumer Issues
Topic: amazon price protection?
Replies: 11
Views: 2913

Re: amazon price protection?

Just ran into the same thing. Bought a color printer, then saw a few days later that they had dropped their price by $50. Frankly, I'm too lazy to do the whole return/re-buy thing. Oh well. It's a nice printer and I was happy with the original price -- until I saw the new, lower price.
by exigent
Sat May 19, 2012 1:04 pm
Forum: Investing - Theory, News & General
Topic: Battle-Royale: Rent-Generating Investments vs. Stock Market
Replies: 57
Views: 5430

Re: Battle-Royale: Rent-Generating Investments vs. Stock Mar

Ok, if we run the scenario of $3.3 million invested in the market, and the apartment building bought outright with $3.3 million, even if I bump maintenance up to $100k/yr as suggested earlier the real estate scenario brings in almost $160 million after 50 years, compared to about $75 million for th...
by exigent
Sat May 19, 2012 10:22 am
Forum: Investing - Theory, News & General
Topic: Battle-Royale: Rent-Generating Investments vs. Stock Market
Replies: 57
Views: 5430

Re: Battle-Royale: Rent-Generating Investments vs. Stock Mar

I think much of the confusion on this thread has to do with the apples and oranges comparison. Real estate is a business. The stock market is an investment. There's no confusion here. You are correct that one is a business and the other is a pure (passive) investment. But even more to the point (an...
by exigent
Sat May 19, 2012 8:59 am
Forum: Forum Issues and Administration
Topic: diehardsforum.org (?)
Replies: 22
Views: 1943

Re: diehardsforum.org (?)

sscritic wrote:I use lynx. It doesn't autocomplete. but it does have bookmarks.
And Pine for e-mail. ;-)
by exigent
Sat May 19, 2012 8:26 am
Forum: Forum Issues and Administration
Topic: diehardsforum.org (?)
Replies: 22
Views: 1943

Re: diehardsforum.org (?)

Why don't you bookmark the forum, instead of typing in the URL each time you want to access the site? I prefer typing it in... provided the address is short, sweet, and simple to remember. Oicuryy's suggestion accomplishes that. Your browser doesn't support autocomplete? Type it once and from then ...
by exigent
Fri May 18, 2012 7:26 pm
Forum: Investing - Theory, News & General
Topic: Battle-Royale: Rent-Generating Investments vs. Stock Market
Replies: 57
Views: 5430

Re: Battle-Royale: Rent-Generating Investments vs. Stock Mar

Not a fair comparison. He leveraged $650k into a $3.3M investment on the real estate deal, but is investing only $650k in your stock scenario. What happens if you assume he paid $3.3M cash vs. putting $3.3M into the stock market? I disagree with you. The rest of the $3.3 million is provided by the ...
by exigent
Fri May 18, 2012 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: 1.5M invested ?
Replies: 36
Views: 5390

Re: 1.5M invested ?

This is a great thread in that I have an almost identical situation (except I turn 55 next year). I am suprised no one has suggested a rule 72t system of ira withdrawals at 55 to lessen taxes later. I am thinking alot about that approach. Any dangers other than having to commit to 5 equal withdrawa...
by exigent
Fri May 18, 2012 3:36 pm
Forum: Investing - Theory, News & General
Topic: Battle-Royale: Rent-Generating Investments vs. Stock Market
Replies: 57
Views: 5430

Re: Battle-Royale: Rent-Generating Investments vs. Stock Mar

Not a fair comparison. He leveraged $650k into a $3.3M investment on the real estate deal, but is investing only $650k in your stock scenario.

What happens if you assume he paid $3.3M cash vs. putting $3.3M into the stock market?
by exigent
Fri May 18, 2012 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: 1.5M invested ?
Replies: 36
Views: 5390

Re: 1.5M invested ?

I agree with the others. I would be reticent to withdraw even 4% from such an early starting age. $6k/month is right at 4.8% which is quite high. You say that this is in a "brokerage account." Do you have any retirement accounts to back this up in the future? If so, then the question is a little di...
by exigent
Fri May 18, 2012 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: CD rolling over... What to do?
Replies: 31
Views: 3073

Re: CD rolling over... What to do?

BruDude wrote:Standard Insurance has a 5-year fixed annuity at 2.1% or 6-year at 2.5%, which would be a taxable equivalent of 2.92% or 3.47% at a 28% tax bracket. Works just like a CD except the early withdrawal penalties would be different.
Is that insured?
by exigent
Fri May 18, 2012 7:08 am
Forum: Personal Finance (Not Investing)
Topic: CD rolling over... What to do?
Replies: 31
Views: 3073

Re: CD rolling over... What to do?

Just adding to the Ally bandwagon. I broke some 5 yr CDs early last week with no problems. Just the 60 day interest penalty.
by exigent
Thu May 17, 2012 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity..does it matter ?
Replies: 64
Views: 10525

Re: Vanguard or Fidelity..does it matter ?

Hallertaux wrote 'Why no mention of Schwab? I use them mostly because they offer an extensive line of Schwab managed funds with extremely low exp ratios " This would not be something that would be often recommended on this site.I would be curious to which funds you use?and why? You cut that quote s...
by exigent
Wed May 16, 2012 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity..does it matter ?
Replies: 64
Views: 10525

Re: Vanguard or Fidelity..does it matter ?

Where we have a choice, our funds are at Vanguard. For certain (employer-related) accounts, our funds are at Fidelity. I'm happy with both. As others have pointed out, the Spartan funds are quite competitive from a pricing perspective. That being said, I have more trust that Vanguard won't jack up e...
by exigent
Wed May 16, 2012 11:23 am
Forum: Investing - Help with Personal Investments
Topic: 1.5M invested ?
Replies: 36
Views: 5390

Re: 1.5M invested ?

I agree with the others. I would be reticent to withdraw even 4% from such an early starting age. $6k/month is right at 4.8% which is quite high. You say that this is in a "brokerage account." Do you have any retirement accounts to back this up in the future? If so, then the question is a little dif...
by exigent
Wed May 16, 2012 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Property Tax Appeal Companies
Replies: 13
Views: 1832

Re: Property Tax Appeal Companies

I've challenged our tax assessment on my own in the past and been successful each time. It's sort of an annual thing for me. I get the assessment, it looks high, I verify that by looking at comps, and I make the request. In my experience, it just needs to be a reasonable request backed up by evidenc...
by exigent
Sun May 06, 2012 1:01 pm
Forum: Personal Consumer Issues
Topic: iPad choice?
Replies: 24
Views: 2715

Re: iPad choice?

I have a 64gb wifi ipad2. In retrospect, I would've bought the 32gb 3G version at almost the same price point (-$100 for 32gb vs 64gb, +$130 for 3G, so $30 more). As others have pointed out, you can turn 3G on/off at will (on a monthly basis) so the flexibility is attractive. Also, the 3G model is g...
by exigent
Thu May 03, 2012 1:35 pm
Forum: Forum Issues and Administration
Topic: Most efficient way to read the forum
Replies: 30
Views: 3322

Re: Most efficient way to read the forum

I use a combination of "View Your Posts" and "View New Posts", both of which are pinned to my browser's bookmarks bar.
by exigent
Thu May 03, 2012 1:27 pm
Forum: Investing - Theory, News & General
Topic: At what interest rate would you borrow to invest?
Replies: 39
Views: 3447

Re: At what interest rate would you borrow to invest?

I wouldn't invest with borrowed money. Anyone that has a mortgage balance (or other debt) and is investing is technically investing with borrowed money. Right? And yet that's typically viewed as normal. (Note: I wouldn't borrow to invest either, just pointing out the potentially obvious.) Edit to a...
by exigent
Thu May 03, 2012 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an "investment" condo
Replies: 19
Views: 2041

Re: Buying an "investment" condo

So you're looking to sink upwards of $550k into this place and you'll still be cash flow negative to the tune of $5k/year? Versus holding onto that $550k, investing it, having zero headaches, and just paying to rent a place on an as-needed basis? I look at it this way... You're 44 years old and have...
by exigent
Mon Apr 30, 2012 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: 3-5 year investment
Replies: 19
Views: 3407

Re: 3-5 year investment

5 year CDs at Ally are paying a little under 1.7% -- close to the best available, but with a better than average penalty for early withdrawal (60 days interest). Yes, this is depressingly low, but it's FDIC insured and better than a savings account. Edit to add: Ooops, a couple of people beat me to ...
by exigent
Sat Apr 28, 2012 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRS letter: HELP!
Replies: 32
Views: 5020

Re: IRS letter: HELP!

I got nearly the exact same letter related to an IRA to 401(k) rollover + a traditional to Roth conversion -- and they wanted a *ton* of money. It was for tax year 2010 and it arrived in mid-April. Only thing is that everything was on the up and up. Talked to our tax guy, he said it was a fishing ex...
by exigent
Thu Apr 26, 2012 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: HealthHub/PayFlex HSA?
Replies: 0
Views: 442

HealthHub/PayFlex HSA?

Hey all, my employer will be changing HSA custodians in the coming months to HealthHub ("powered by PayFlex"). I'm curious if any of you have dealt with them and, if so, what the investment options are like. Our current custodian is horrible, so I've just been letting the funds pile up as cash with ...
by exigent
Mon Apr 23, 2012 11:37 am
Forum: Personal Finance (Not Investing)
Topic: HSA account question
Replies: 3
Views: 420

Re: HSA account question

Hmmm. From elsewhere on that same page from the OPM: "...if your HSA was fully funded and you leave the HDHP during the year, then you will have to withdraw some of the contribution from the account. You must pay income tax on your excess contributions and income tax on any earnings of the excess co...
by exigent
Mon Apr 23, 2012 10:19 am
Forum: Personal Finance (Not Investing)
Topic: HSA account question
Replies: 3
Views: 420

Re: HSA account question

From here: http://www.opm.gov/insure/health/hsa/faq.asp "If your HDHP was effective on January 1st, the total amount you can contribute to your account is the maximum contribution amount set by the IRS." It's more complex if your HDHP plan starts after January 1, but that doesn't seem to be the case...
by exigent
Fri Apr 20, 2012 10:32 pm
Forum: Personal Consumer Issues
Topic: Nest Thermostat = savings?
Replies: 11
Views: 4322

Re: Nest Thermostat = savings?

Who cares if you save money? It's SHINY! On a more serious note, this is probably worth reading before buying: http://www.marco.org/2011/12/17/nest-incompatibility-without-c-wire I'm not an expert on thermostat wiring, but apparently there are some possible incompatibilities with your existing wiring.
by exigent
Fri Apr 20, 2012 10:28 pm
Forum: Personal Consumer Issues
Topic: Hundreds of thousands may lose Internet in July
Replies: 14
Views: 2555

Re: Hundreds of thousands may lose Internet in July

"
GregLee wrote:
CaliJim wrote:Are you thinking "servers translate" ?
Yes, that's what I'm thinking.
Well, you're wrong. 8-)

The <singular> of <plurals> translates.
by exigent
Fri Apr 20, 2012 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a Condo for Investment Purposes
Replies: 17
Views: 1868

Re: Buying a Condo for Investment Purposes

If you're intent on buying an investment property, it seems like it might make sense to buy something other than another unit in the same building. Diversification and all that.
by exigent
Fri Apr 20, 2012 8:04 pm
Forum: Personal Consumer Issues
Topic: Hundreds of thousands may lose Internet in July
Replies: 14
Views: 2555

Re: Hundreds of thousands may lose Internet in July

According to the article, The DNS system is a network of servers that translates a web address — such as http://www.ap.org — into the numerical addresses that computers use. Shouldn't the agreeing verb in that sentence be "translate" rather than "translates"? Ummm... The network translates. Sounds ...
by exigent
Thu Apr 19, 2012 10:18 pm
Forum: Investing - Theory, News & General
Topic: Is catch-up a smart move?
Replies: 32
Views: 2553

Re: Is catch-up a smart move?

The problem with risk is that sometimes it happens. Often at the worst possible time. Too many people view risk as this nebulous thing that you can just be immune to if you ignore down markets and promise yourself that you won't react. But even if you have nerves of steel, you could be forced to sel...
by exigent
Wed Apr 18, 2012 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond vs. paying off mortgage
Replies: 7
Views: 1006

Re: I Bond vs. paying off mortgage

Toons wrote:Pay Off the mortgage :happy
Having done it myself, I agree 100%.
by exigent
Thu Apr 12, 2012 8:23 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 273510

Re: Best watch for around $5,000?

Get a Pebble:

http://www.kickstarter.com/projects/597 ... nd-android

After you factor in the iPhone and a few years worth of service, you're getting close to $5k. ;-)
by exigent
Wed Feb 15, 2012 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Maxed Out All Tax Advantaged Accounts. Now what?
Replies: 12
Views: 2173

Re: Maxed Out All Tax Advantaged Accounts. Now what?

Yeah, just start investing in a taxable account. In the long run, you may want to give some thought to asset LOCATION in addition to allocation. Bonds in tax-advantaged, stock in taxable, that sort of thing. Or muni bonds in taxable, as appropriate. But congrats for maxing out the tax advantaged opt...
by exigent
Sun Feb 05, 2012 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Gut my Roth IRA to buy a house?
Replies: 55
Views: 4746

Re: Gut my Roth IRA to buy a house?

If I were to pull money out of my Roth....I understand I could only withdraw contributions, not earnings. Am I able to payback my Roth in the future (say overcontribute for next year, etc) or do I lose that contribution amount and and I can only do the annual max? No, you can't pay it back in (exce...
by exigent
Thu Jan 12, 2012 10:50 am
Forum: Personal Consumer Issues
Topic: Advice on buying a tablet
Replies: 74
Views: 5033

Re: Advice on buying a tablet

Acer just announced the Iconia Tab 200, which is basically the 500 without the rear camera and video output. Lower pricepoint ($329 MSRP for 8GB model, $349 for 16GB model). Presumably retailers will sell it for less -- the 500 has MSRP well over $400 but can be easily found for $350. Still, I think...
by exigent
Thu Jan 05, 2012 8:55 am
Forum: Investing - Help with Personal Investments
Topic: IBond as part of Bond Asset Allocation?
Replies: 12
Views: 1683

Re: IBond as part of Bond Asset Allocation?

I throw them in with TIPS for allocation purposes. They're obviously not the same thing, but they fill a similar role (inflation protection) in our portfolio.
by exigent
Thu Jan 05, 2012 8:13 am
Forum: Investing - Theory, News & General
Topic: Savings bond limit increased
Replies: 43
Views: 4654

Re: Savings bond limit increased

The problem with getting an extra $5K in paper I bonds via tax refund is................. how are you getting a $5K tax refund? :confused So you'll give the Treasury an interest free $5K loan for a year in order to get some I-bonds later? That's the assessment that one needs to make. I'm not sure I...
by exigent
Wed Jan 04, 2012 5:51 pm
Forum: Investing - Theory, News & General
Topic: Savings bond limit increased
Replies: 43
Views: 4654

Re: Savings bond limit increased

According to the Savings Bond Advisor, the next inflation adjustment for I Bonds may be zero. If you buy or already own an I Bond with a fixed rate of zero as well, you may receive no interest at all for a period of six months. Perhaps this helps to explain the Treasury Department's "generosity" in...
by exigent
Wed Jan 04, 2012 3:53 pm
Forum: Investing - Theory, News & General
Topic: Savings bond limit increased
Replies: 43
Views: 4654

Re: Savings bond limit increase

I wonder. I never receive a refund. Should I pay an excess of $5,000 by Jan 15 with my form 1040 ES in order to qualify for a $5,000 refund on form 8888 and apply it to the purchase of a series I bond for a total of $15,000 including the individual purchase? I would be interested in anyone's opinio...
by exigent
Wed Jan 04, 2012 11:53 am
Forum: Investing - Theory, News & General
Topic: Savings bond limit increased
Replies: 43
Views: 4654

Re: Savings bond limit increase

Thanks for posting the link, sportal. I checked their pressroom and didn't see it so I had to copy/paste from the e-mail.
by exigent
Wed Jan 04, 2012 11:48 am
Forum: Investing - Theory, News & General
Topic: Savings bond limit increased
Replies: 43
Views: 4654

Savings bond limit increased

Did a quick search, didn't see anything posted yet, so... I just received an e-mail from the Treasury stating that they're increasing the annual electronic savings bond purchase limit to $10k per bond type (I and EE). You'll also still be able to buy up to $5k in paper bonds with your tax return. He...
by exigent
Sat Dec 31, 2011 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Average Question
Replies: 18
Views: 1314

Re: Dollar Cost Average Question

OP said that the money is "ready to be reinvested from non-VG funds I recently sold that took 3 days to settle." So there's a good chance that he/she already averaged into the market while building those positions, and is just moving the money from non-VG holdings to VG holdings. Assuming that to be...