Search found 387 matches

by nirvines88
Thu Nov 08, 2012 6:23 pm
Forum: Investing - Theory, News & General
Topic: PBS Frontline is looking for people to interview
Replies: 24
Views: 9600

Re: PBS Frontline is looking for people to interview

Probably because 403-b plan choices are notoriously bad. I doubt it's the kind of story where people try to market time and get burned (although I could be wrong).
by nirvines88
Tue Nov 06, 2012 10:49 pm
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 87
Views: 7578

Re: Volunteering Ideas

Thanks for the volunteer website links. Will check these out. There are volunteering opportunities that use any skill or interest you might have. It's okay to use any motive to volunteer, including selfish ones. My neighbor learned a lot about the tax code in AARP tax help school. I learned to help ...
by nirvines88
Sun Nov 04, 2012 10:17 pm
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 87
Views: 7578

Re: Volunteering Ideas

Great ideas so far everyone! I'm definitely going to look into some of these. @ Taylor - Thanks for your helpful posts, which have definitely benefited me! I try to pass off the knowledge to friends and family in real life, and here on the Bogleheads forum too on occasion (although I'm dwarfed by ma...
by nirvines88
Sun Nov 04, 2012 6:37 pm
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 87
Views: 7578

Volunteering Ideas

Where do the Bogleheads volunteer? I'm looking for any and all ideas. I've heard of a few places, like Habitat for Humanity and the local food kitchens, but what else is out there?
by nirvines88
Sun Oct 28, 2012 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund vs Manual Adjusting overtime
Replies: 15
Views: 5138

Re: Vanguard Target Retirement Fund vs Manual Adjusting over

If you are ONLY investing in a Roth IRA, then hands down (in my opinion), go with the target retirement date fund. The difference in cost is negligible for a small account balance. Also, since you can only contribute $5,000 a year to a Roth ($5,500 in 2013) you wouldn't have space to make a properly...
by nirvines88
Fri Oct 26, 2012 6:40 pm
Forum: Personal Consumer Issues
Topic: gutter cleaning
Replies: 35
Views: 3281

Re: gutter cleaning

I cleaned the gutters on my 2 story house without a ladder the other day. I climbed up using my hands and then leaned over the side and cleaned the gutters by hand. There was muddy leafballs all over my yard and deck by the time I was done. Later that day, I also climbed a tree to cut down some limb...
by nirvines88
Thu Oct 25, 2012 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Choices - Unsure on 401k Options
Replies: 6
Views: 673

Re: Investment Choices - Unsure on 401k Options

You will get more replies if you post expense ratios and mutual fund names (not just ticker symbols).

With that being said, it looks like you have some nice 401k choices!!!
by nirvines88
Thu Oct 25, 2012 10:10 am
Forum: Personal Consumer Issues
Topic: North Carolina residents: property tax on cars
Replies: 44
Views: 6931

Re: North Carolina residents: property tax on cars

I paid $75 on a 1998 Accord with 210k miles on it last year. I think the value blue book value was about 3,000 for an Accord in fair condition (maybe a stretch for my car), so I paid about 2.5% in property taxes to NC. Not sure about registration fees. Getting your car inspected yearly is required, ...
by nirvines88
Wed Oct 10, 2012 6:01 pm
Forum: Investing - Theory, News & General
Topic: 401(k) plan rep meeting stories/experiences
Replies: 15
Views: 1834

Re: 401(k) plan rep meeting stories/experiences

Meeting with mine tomorrow, I'm curious as well!

My cheapest ER = 1.6% (PIMCO TOTAL RETURN C) :oops:
by nirvines88
Tue Oct 09, 2012 7:34 pm
Forum: Investing - Theory, News & General
Topic: Investment Return Charts Question
Replies: 1
Views: 255

Investment Return Charts Question

A couple of quick questions:

Do graphs that show investment returns (e.g. on Morningstar) show total returns minus expenses? Or returns before expenses?

Also, by default, do these graphs show returns including reinvested dividends? Or just returns without dividends?


Thanks!
by nirvines88
Sat Oct 06, 2012 12:37 pm
Forum: Personal Consumer Issues
Topic: Looking for a Good Historical Fiction Series
Replies: 48
Views: 6796

Re: Looking for a Good Historical Fiction Series

The Last of the Mohicans and The Deerslayer from The Leatherstocking Tales series are both pretty good.
by nirvines88
Sat Sep 29, 2012 7:42 am
Forum: Personal Consumer Issues
Topic: At what price is an extended warranty worth it? - Toyota
Replies: 20
Views: 15070

Re: At what price is an extended warranty worth it? - Toyota

I doubt it pays for brake calipers. The problem with those warranties is that they carefully exclude everything that is expected to fail (or need replacement) within the first 75,000 miles or so. For example, my thermostat needed replacement at 40,000 miles (Camry) and it cost me $300.00. Having th...
by nirvines88
Sat Sep 29, 2012 7:24 am
Forum: Personal Consumer Issues
Topic: At what price is an extended warranty worth it? - Toyota
Replies: 20
Views: 15070

Re: At what price is an extended warranty worth it? - Toyota

Oops! I just bought a 2010 Honda Civic with ~30,000 miles and then bought an extended warranty from a credit union. I have a 90 day grace period, should I cancel?! I've heard getting something like brake calipers fixed down the road makes the warranty almost pay for itself.
by nirvines88
Tue Sep 25, 2012 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Need Some Investment Help
Replies: 9
Views: 702

Re: Need Some Investment Help

Nancylee wrote:Hi,
I will look into the Vanguard funds but what is lower ER? And thanks for the Wiki link,
Nancy Lee
ER = Expense Ratio

Vanguard has mutual funds that offer very low expense ratios. The lower expense ratio that you pay on the mutual funds, the more you get to keep! :moneybag
by nirvines88
Tue Sep 25, 2012 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: (Bad) 401k Choices
Replies: 29
Views: 3373

Re: (Bad) 401k Choices

Can you contribute to a 401k for the previous year retroactively through April? (e.g. You can make an IRA contribution for 2012 through April 2013. Can you do the same thing for a 401k?!) No. Bummer! Thanks for the response. Wish there was a way to max it out for this year, but I just don't make en...
by nirvines88
Tue Sep 25, 2012 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Need Some Investment Help
Replies: 9
Views: 702

Re: Need Some Investment Help

Welcome to the forum! You will likely get more responses if you post in the following format: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 With that being said, you have a couple of decent pensions. You mention that you want to retire in a few years, but are you ready to retire? It reall...
by nirvines88
Tue Sep 25, 2012 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: (Bad) 401k Choices
Replies: 29
Views: 3373

Re: (Bad) 401k Choices

Just wanted to give a quick update: I'm finally getting access to my company's 401k. I'm contributing 100% for my final 3 paychecks (I get paid monthly). I won't be able to max out my 401k this year, but I will contribute close to 12k in before the end of 2012. Kind of a side note/question: Can you ...
by nirvines88
Sun Sep 23, 2012 5:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard problems today?
Replies: 15
Views: 1982

Re: Vanguard problems today?

Mine was the same way this morning. Haven't checked since.
by nirvines88
Fri Sep 21, 2012 11:27 pm
Forum: Investing - Theory, News & General
Topic: How Many Mutual Funds Do You Own?
Replies: 95
Views: 5061

Re: How Many Mutual Funds Do You Own?

6, if including a money market fund. Plan on getting rid of 2 of these 6 when the time is right!
by nirvines88
Fri Sep 21, 2012 7:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: RTP, NC Chapter Meeting Sat September 22, 2012
Replies: 6
Views: 1479

Re: RTP, NC Chapter Meeting Sat September 22, 2012

How long are y'all meeting for at the brewery? I plan on tailgating for the Wolfpack football game but I kinda want to meet some Bogleheads beforehand!
by nirvines88
Tue Sep 18, 2012 5:31 am
Forum: Personal Consumer Issues
Topic: Do you pick up pennies?
Replies: 56
Views: 3677

Re: Do you pick up pennies?

Never a penny. There is a small but non-zero chance of picking up some illness (money is filthy) or throwing out my back when bending over. I've run the numbers and the risk-reward just isn't worth it. Did your analysis lead to a minimum monetary value that you would risk bending over for? :wink:
by nirvines88
Mon Sep 17, 2012 6:23 pm
Forum: Personal Consumer Issues
Topic: Do you pick up pennies?
Replies: 56
Views: 3677

Do you pick up pennies?

Wanted to make this a poll but I don't appear to have the authority! Just curious - Do y'all pick up a penny when you see one lying on the ground? (I do!) If you won't stoop down to pick up a penny, what's the minimum you will reach down for? What does it have to be? A nickel? A dime? A quarter? A h...
by nirvines88
Wed Sep 12, 2012 10:10 pm
Forum: Investing - Theory, News & General
Topic: Should I be saving more for retirement?
Replies: 7
Views: 1295

Re: Should I be saving more for retirement?

Maybe, maybe not. Here are a few factors: 1) It depends on what you'd like to do in retirement. Will your lifestyle be less expensive, more expensive, or about the same as your working years? 2) It depends if you want to have kids down the road. 3) It depends on what the market is kind enough to ret...
by nirvines88
Wed Sep 12, 2012 7:22 pm
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 21356

Re: Most underrated band of all time?

Consumer Issue: What underrated band's CDs would you buy? Not consumer issue: This thread. :) Is it a valid financial choice to spend $75 to go see The Who in a couple of months? On the one hand... It'd be a great experience to have and to look back on! On the other hand... I'm relatively young (24...
by nirvines88
Wed Sep 12, 2012 6:44 pm
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 21356

Re: Most underrated band of all time?

I may go see The Who in a couple of months. So excited - definitely on my top 5 all time.
JDaniels wrote:Some friends and I were discussing this topic.

Our top three were:
1) The Who
2) Rush
3) Boston

All great bands that never got the credit they deserved.

What are yours?
by nirvines88
Fri Sep 07, 2012 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Those old, hackneyed investing expressions
Replies: 45
Views: 3570

Re: Those old, hackneyed investing expressions

cheese_breath wrote:It's already built into the market.
That statement was already priced in :wink:
by nirvines88
Fri Sep 07, 2012 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Those old, hackneyed investing expressions
Replies: 45
Views: 3570

Re: Those old, hackneyed investing expressions

It's a stock picker's market
by nirvines88
Fri Sep 07, 2012 9:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: RTP, NC Chapter Meeting Sat September 22, 2012
Replies: 6
Views: 1479

Re: RTP, NC Chapter Meeting Sat September 22, 2012

It's a decent drive from where I'm at in Raleigh, but I MAY be in. I will let ya know as we get closer to the date and I find out more!
by nirvines88
Mon Sep 03, 2012 8:40 am
Forum: Investing - Help with Personal Investments
Topic: (Bad) 401k Choices
Replies: 29
Views: 3373

Re: (Bad) 401k Choices

If you can save that much out of that salary you should investigate the Saver's Credit. Perhaps you're ineligible because you were a full time student this year? I was only a part-time student in the summer (finishing up my graduate degree), so I should be eligible. I did a quick test on the IRS we...
by nirvines88
Mon Sep 03, 2012 8:01 am
Forum: Investing - Help with Personal Investments
Topic: (Bad) 401k Choices
Replies: 29
Views: 3373

Re: (Bad) 401k Choices

.75% match ... is just enough to ding down the lowest ER fund to about 1%, woohoo Check your math :D The 25% match as you've expressed it is a percentage of your salary (25% x 15% = 3.75%). The ER is a percentage of the contribution. One year example: You contribute $10,000, the company contributes...
by nirvines88
Sun Sep 02, 2012 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: (Bad) 401k Choices
Replies: 29
Views: 3373

Re: (Bad) 401k Choices

Thanks for all the advice and number crunching by the way - very helpful. I meant to update y'all on the vesting schedule earlier but here it is now! So the company has a 5 year vesting schedule, which means if I stay one year with the company (as planned) I'll only get 1/5 of the 3.75% match, or a ...
by nirvines88
Fri Aug 31, 2012 5:46 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime
Replies: 66
Views: 8996

Re: Amazon Prime

Students can get 1 year free of Amazon Prime. I think all you need is a valid college (.edu) e-mail address. I signed up for it, but I was disappointed that most of the things I've bought weren't eligible for free shipping under Prime. I was also disappointed that the free college students' Prime do...
by nirvines88
Sun Aug 26, 2012 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: "Mad Money"....do you play?
Replies: 55
Views: 7104

Re: "Mad Money"....do you play?

I suppose I've been playing with fire the last couple years. I've had about 40-70% of my net worth in the stock market last couple years, doing lots of short term investments. My strategy involves lots of covered calls and covered puts with mostly only blue chip stocks. I'm a huge Apple fan, and Ap...
by nirvines88
Sat Aug 25, 2012 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: I've got a job! What to do now?
Replies: 10
Views: 2034

Re: I've got a job! What to do now?

Student loans: $17.1k @ 2.3%. $13.2k @ 6.8%. First off (or at least after contributing to 401k up to match) I would advocate paying off the 6.8% interest loans. That's a big guaranteed return! Now, to address your questions: 1. I'm unsure as to where to invest my 401k money. I was opting for a lazy...
by nirvines88
Sat Aug 25, 2012 2:28 pm
Forum: Investing - Theory, News & General
Topic: NC Pension fund posts fiscal year results
Replies: 14
Views: 1248

Re: NC Pension fund posts fiscal year results

Apparently NC's pension fund did better than most other states: http://www.reuters.com/article/2012/08/24/northcarolina-returns-idUSL2E8JO6E720120824 NC Pension Fund is 96% funded (national average = 80% funded): https://www.nctreasurer.com/ret/Active%20Employees/PensionFactSheet.pdf Hopefully good ...
by nirvines88
Sat Aug 25, 2012 8:34 am
Forum: Investing - Theory, News & General
Topic: NC Pension fund posts fiscal year results
Replies: 14
Views: 1248

Re: NC Pension fund posts fiscal year results

The last I checked NC's pension fund was about 96-97% funded (better than most states). Needless to say, as a hopeful future pensioner in NC, I was disappointed to see this speculative buy!
by nirvines88
Sun Aug 19, 2012 10:57 am
Forum: Personal Finance (Not Investing)
Topic: first investment?
Replies: 16
Views: 1590

Re: first investment?

First stock that I personally picked - Exxon Mobil - yes, I still own it.

Technically, I guess my first pick (T. Rowe Price TR fund) was with my first job at 16, but I didn't exactly know what I was picking, so I don't know if that counts!
by nirvines88
Sun Aug 19, 2012 10:43 am
Forum: Investing - Help with Personal Investments
Topic: At what age did you start investing?
Replies: 87
Views: 12336

Re: At what age did you start investing?

401k at age 16 with first paycheck. Didn't really know what I was doing, but I followed the advice of my dad and went with a T. Rowe Price target retirement date fund. I recently rolled this meager holding over to a Roth IRA at Vanguard. Taxable/Roth IRA at age 22 (this is when I started to actually...
by nirvines88
Sun Aug 05, 2012 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap or Small Cap Value?
Replies: 16
Views: 3908

Re: Small Cap or Small Cap Value?

Reviving an old thread here with another question: Right now I have a Roth IRA and a taxable account. My Roth IRA contains Vanguard Total Stock Market. If I want to add Vanguard's Small Cap Value Index Fund to my portfolio, would it be wise to trade some of my IRA holdings from Total Stock Market to...
by nirvines88
Wed Aug 01, 2012 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 5
Views: 736

Re: Portfolio help

A bit of a background - I began contributing to 401 K right around the meltdown in 2008 and lost significant money during that time, from then on I sat on the side lines as I was very uncomfortable with the fluctuations. Moderately aggressive These two statements seem slightly at odds. Added to tha...
by nirvines88
Sat Jul 28, 2012 7:07 am
Forum: Personal Consumer Issues
Topic: Free business/finance ebooks
Replies: 13
Views: 1601

Re: Free business/finance ebooks

Taylor Larimore wrote:
Which 3? :D
They are identified by green color in the right-hand column.

Best wishes
Taylor
Ahh, I see it now. Thanks Taylor!
by nirvines88
Sat Jul 28, 2012 6:25 am
Forum: Personal Consumer Issues
Topic: Free business/finance ebooks
Replies: 13
Views: 1601

Re: Free investment books.

Taylor Larimore wrote:
hlfo718 wrote:Any idea where I can download free business/finance ebooks for Ipad? I tried a couple of sites but no bus/fin ebooks available.

Thanks
You will find three recommended "free" investment books here:

INVESTMENT GEMS

Best wishes.
Taylor

Which 3? :D
by nirvines88
Sat Jul 21, 2012 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap or Small Cap Value?
Replies: 16
Views: 3908

Small Cap or Small Cap Value?

I'm thinking about adding a small (5-10%) small cap tilt to my 3 fund portfolio. I can't decide whether to go with small cap or small cap value. I know a lot of people on here advocate for a value tilt due to the various studies over the years, and I've also read Bogle's opinion on the matter. Obvio...
by nirvines88
Fri Jul 20, 2012 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Debt enhances self-esteem of young adults
Replies: 28
Views: 3418

Re: Debt enhances self-esteem of young adults

I think some people are proud because they "did it on their own" (aka they went out and found a loan and will eventually pay for college or whatever for themselves) rather than having their parents or someone else pay for college. I doubt it's like "yeahh I'm in debt, woohoo!". I just wish people my...
by nirvines88
Fri Jul 13, 2012 5:36 pm
Forum: Personal Consumer Issues
Topic: Would you rent to these people?
Replies: 15
Views: 1835

Re: Would you rent to these people?

Maybe with a huge deposit and an ironclad contract! I'm a young guy and I remember it was always hard to find a place for spring break for me and my friends (and probably for good reason :twisted:).
by nirvines88
Thu Jul 12, 2012 7:51 pm
Forum: Investing - Theory, News & General
Topic: Top Ten Mutual Funds
Replies: 9
Views: 3122

Re: Top Ten Mutual Funds

It looks like I need to add a biotechnology fund!
by nirvines88
Mon Jul 09, 2012 8:49 pm
Forum: Personal Consumer Issues
Topic: Watching TV in bed [wireless headphones]
Replies: 12
Views: 3982

Re: Watching TV in bed

This reminds me of that cheesy made for TV product that I used to see all the time when I had cable: http://www.fitsmybudget.com/Bell-Howell-Sonic-Ears-As-Seen-On-TV-Hearing-Amplifier-p-16586.html There's that older dude lying in bed happily watching the TV (set at a low volume but is amplified by t...
by nirvines88
Sun Jul 01, 2012 9:06 pm
Forum: Personal Consumer Issues
Topic: Hobby Ideas
Replies: 11
Views: 1485

Hobby Ideas

I feel like I need to find some hobbies. I enjoy being outdoors and doing athletic stuff - any ideas? I work all day and then come home and I'm often bored (I have a feeling being single again for the first time in a long time will exacerbate this - or maybe not! :wink: Friends are also starting to ...