Search found 117 matches

by BYUvol
Mon Apr 16, 2012 9:31 pm
Forum: Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 20580

Re: Smartest Financial Move You Ever Made

In 2006, I was about ready to drop out of college because I was not good at saving and couldn't qualify for financial aid due to my parents' income (they were unwilling/unable to help me out.) 1) I joined ROTC for a semester, and they paid for my college and gave me a small stipend which got me back...
by BYUvol
Mon Apr 16, 2012 11:57 am
Forum: Investing - Theory, News & General
Topic: REITs and Total Stock Market, 1971-2011
Replies: 31
Views: 6374

Re: REITs and Total Stock Market, 1971-2011

Well, except for one brief shining moment, the "low correlation" story isn't very impressive. Of course the absolutists will say "if it isn't 1.0, it must help at least a little." Why do Bogleheads often consider real estate differently from other sector bets? High dividends, pr...
by BYUvol
Sat Apr 14, 2012 10:25 pm
Forum: Personal Consumer Issues
Topic: Good restaraunts in Lexington, KY
Replies: 11
Views: 1415

Re: Good restaraunts in Lexington, KY

We are attending a wedding in Lexington, KY next week. I'd like to go out with my wife to a good restaurant for dinner Friday night. Does anyone know of any? Or any other good places for breakfast or lunch? Thanks My sister is a wedding photographer in Lexington, do you know if it will be at one of...
by BYUvol
Sat Apr 14, 2012 11:16 am
Forum: Personal Consumer Issues
Topic: What's your college ROI?
Replies: 47
Views: 6645

Re: What's your college ROI?

What's your marriage ROI? When looking for a high financial yield in a spouse, do you get the best dollar payoff from beauty, brains, or personality? Well, we know divorce will significantly decrease one's net worth, so I'm going to go with personality. No matter how smart or pretty they are, if th...
by BYUvol
Thu Apr 12, 2012 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/credit - how many open accounts?
Replies: 11
Views: 1535

Re: Mortgage/credit - how many open accounts?

Having bought a house last year, I can attest to the following . . . Lenders do look for a number of credit lines having been open at least a year (credit cards, car loans, home equity loans); I've heard at least 3 but 4 is a believable number. So, if you have only 2 credit lines, that might not be...
by BYUvol
Thu Apr 12, 2012 2:14 pm
Forum: Personal Investments
Topic: Contacted by Whole Life Insurance Agent - Need Help
Replies: 131
Views: 6836

Re: Contacted by Whole Life Insurance Agent - Need Help

I think people are wary of WL questioners being shills because it seems so obvious that WL in most cases is a bad, bad deal. Just because something is blatantly obvious to you and other experienced people, doesn't mean it is to everyone. A lot of the marketing is directed towards 20somethings who d...
by BYUvol
Thu Apr 12, 2012 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance required in Mortgage Refinancing?
Replies: 13
Views: 6442

Re: Owners Title Insurance required in Mortgage Refinancing?

I am refinancing my home, I will not buy owner's title insurance. I bought the house brand new in 2008 (never before owned obviously). I refinanced in 2010. Am refinancing again (this time penfed 5/5 so no cost to me). I don't see any issue in NOT getting owner's title insurance, correct? I'd look ...
by BYUvol
Tue Apr 10, 2012 7:17 pm
Forum: Personal Investments
Topic: Is MINT safe (web based)
Replies: 4
Views: 874

Re: Is MINT safe (web based)

My boss worked for Intuit less than a year ago, and based off my impression of him, and what he has told me about they way they run things, I am very comfortable storing my credentials there. They follow "best practices" of web security, and while nothing would be able to stand up given in...
by BYUvol
Tue Apr 10, 2012 5:56 pm
Forum: Personal Investments
Topic: What to do with $100,000 of Precious Metal Inheritance
Replies: 22
Views: 2994

Re: What to do with $100,000 of Precious Metal Inheritance

I don't see where I said I needed a change in risk tolerance? I could add a taxable account and keep my desired 80/20 AA. It would just be heavily weighted in a taxable account with around $75,000 taxable and after this year around $15,000 tax-advantaged. You said "When I was consumed with mar...
by BYUvol
Tue Apr 10, 2012 8:54 am
Forum: Personal Investments
Topic: What to do with $100,000 of Precious Metal Inheritance
Replies: 22
Views: 2994

Re: What to do with $100,000 of Precious Metal Inheritance

Hello all. I have recently created my AA and the funds I want to invest in. This information can be found in the thread linked to below: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=93902 I have around $75,000 - $100,000 (depending on price) worth of PHYSICAL precious metal that I have r...
by BYUvol
Mon Apr 09, 2012 11:38 am
Forum: Investing - Theory, News & General
Topic: Risk, Uncertainty, and Behavioral Pitfalls (wiki)
Replies: 13
Views: 1272

Re: Risk, Uncertainty, and Behavioral Pitfalls (wiki)

For example, if you flip a coin five times and it comes up heads, it is the tendency to believe there is a greater than 50/50 chance the next flip will be tails, even though the odds are still 50/50. I guess what is meant is "if you flip a fair coin ...". For investing, the stock market i...
by BYUvol
Fri Apr 06, 2012 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard sent me a check for a penny
Replies: 25
Views: 2952

Re: Vanguard sent me a check for a penny

Now that is why I deal minimally with banks and S&Ls, and when i do have to, I watch fees like a hawk. I wonder why I never take out a mortgage now when I buy a house? About a year ago, Chase charged PMI on my mortgage twice in the same month (bought the house before I found Bogleheads). I didn...
by BYUvol
Wed Apr 04, 2012 12:42 pm
Forum: Personal Investments
Topic: Advice on Owning Shares in BIL's Company ????
Replies: 13
Views: 1239

Re: Advice on Owning Shares in BIL's Company ????

Has your BIL had anyone perform a valuation of the company? If there has only been one year of profitability, it is possible the book value would be lower than the original capital invested, in which case getting your money back could be a generous gesture by your BIL.
by BYUvol
Wed Apr 04, 2012 10:51 am
Forum: Personal Finance (Not Investing)
Topic: High dividend stocks
Replies: 18
Views: 1765

Re: High dividend stocks

Here is the link he was referring to.

http://www.kiplinger.com/columns/balanc ... month.html

Whether it is a good strategy or not is for smarter folks than I to decide.
by BYUvol
Fri Mar 30, 2012 1:39 pm
Forum: Personal Consumer Issues
Topic: Reccomend things to do in New Mexico
Replies: 22
Views: 1951

Re: Reccomend things to do in New Mexico

Such as, where's a better destination 1. Alberquerque? 2. Santa Fe? Both? Worth it to trek down to Carlsbad Caverns? What should I do in Alberquerque or Santa Fe? Carlsbad Caverns is nice, but a long long long drive of nothing between ABQ and there. If you are dead set on it, the road is wide open,...
by BYUvol
Wed Mar 28, 2012 4:44 pm
Forum: Personal Investments
Topic: Reassessing my situation + what to do with a windfall
Replies: 19
Views: 2535

Re: Reassessing my situation + what to do with a windfall

Assuming the house appraises for at least as much as it did two years ago , 80% of 180k = 144k Current loan balance is 166k - 144k = $22k down (from windfall) That assumption may be inaccurate depending on where you live and potential foreclosures in the neighborhood. I closed on my house in June 2...
by BYUvol
Sat Mar 24, 2012 6:18 pm
Forum: Personal Consumer Issues
Topic: RockCenter with Brian Williams: CyberCrime
Replies: 22
Views: 2340

Re: RockCenter with Brian Williams: CyberCrime

Another was to change passwords and also to cut and paste your password rather than typing it so the keylogging virus can catch it. This is very dangerous advice due to how prevalent the incorrect belief is. It is far easier to capture clipboard contents than it is to trick a user into installing a...