Search found 1025 matches

by killjoy2012
Sun Feb 24, 2013 11:59 pm
Forum: Personal Consumer Issues
Topic: Air compressor
Replies: 10
Views: 1192

Re: Air compressor

+1 to what everyone else has said. If all you're going to ever use it for is finish & framing nailers, then a small pancake compressor will work fine, save you some $, saves storage space, and is very portable. Personally, I like to wrench on cars, motorcycles, ATVs as a hobby, so I stepped up to a ...
by killjoy2012
Wed Feb 06, 2013 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Reality Check my TSM Approximation
Replies: 2
Views: 344

Reality Check my TSM Approximation

Guys - quick question, just need some validation. I've developed a new AA and I'm currently working on executing the various "reshuffling" required to get the right holdings in the right accounts. One of my challenges is that I need to move some of my Vanguard TSM (VTI) holdings that are currently i...
by killjoy2012
Fri Feb 01, 2013 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over post-tax 401k money to a Roth
Replies: 8
Views: 1774

Re: Rolling over post-tax 401k money to a Roth

For what it's worth (not much).... I'm classified as a HCE in my mega-company's 401k plan. As such they limit me to 10% pre-tax, 2% post-tax (not Roth, but just 2% non-deductible contributions to the 401k). The plan administrator is Fidelity, and they told me that I can roll that 2% directly into an...
by killjoy2012
Thu Jan 24, 2013 9:17 pm
Forum: Personal Consumer Issues
Topic: [Living in] London vs. New York
Replies: 28
Views: 4131

Re: London vs. New York

I've never lived in either city, but I have visited both for extended periods and I would pick London without a doubt. Cost of living is higher, and I have no clue how the taxes compare... but ultimately it should come down to what you personally want out of life... not whether you're going to save ...
by killjoy2012
Thu Jan 24, 2013 12:21 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms
Replies: 16
Views: 4253

Re: Smoke Alarms

I would strongly suggest you research, or ask the professionals, what the local building & electrical codes are in your specific area. You have the NEC (2002, 2008 or 2011 versions... and you need to know which version your city follows) and Residential Building Codes, but then it's also common for ...
by killjoy2012
Tue Jan 15, 2013 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: I have a chip on my shoulder, but not in my card!
Replies: 113
Views: 16101

Re: I have a chip on my shoulder, but not in my card!

PenFed is now giving the option to get a chip & pin card when you apply (no additional cost). Just got a cash rewards visa from them that has a chip If you get a chance to use it in Europe, please report back on how it went. I already have a PenFed Visa, so this may be a convenient option to upgrad...
by killjoy2012
Wed Jan 09, 2013 4:04 pm
Forum: Investing - Theory, News & General
Topic: Good idea to rollover 401k to roth ira if income drops?
Replies: 11
Views: 2805

Re: Good idea to rollover 401k to roth ira if income drops?

Assuming you're terminating employment when you take leave, I would simply move your entire 401k into your own Rollover IRA. It won't cost you anything, it cuts ties with your old employer, and you'll likely have better/more/cheaper investment options wherever you move it to. Then, once all of the m...
by killjoy2012
Sun Jan 06, 2013 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1503

Re: Quick Tax Efficiency Question: VSS vs. VTI

livesoft wrote:I know what VFSUX is, but not VSUX.
Sorry, it's been a long weekend of book/forum/wiki reading, AA planning and staring at spreadsheets. I meant VXUS. Updated my post above.
by killjoy2012
Sun Jan 06, 2013 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1503

Re: Quick Tax Efficiency Question: VSS vs. VTI

Thanks for the replies. At least I feel better knowing that this wasn't a "no brainer" decision and I wasn't just off in la-la land for many hours today missing the rationale. So, for now, I'm taking away that it's about a coin flip as to which placement is better. Probably slightly more efficient t...
by killjoy2012
Sun Jan 06, 2013 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1503

Re: Quick Tax Efficiency Question: VSS vs. VTI

Thanks - I'll call them in the morning. Pretty small $. I'd be looking at buying ~$24k of VSS. Another item on my to-do list this week is to make a decision on where to be open a taxable account for ~$100k (my first taxable investment acct.). Was leaning towards a VG taxable MF account to keep thing...
by killjoy2012
Sun Jan 06, 2013 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1503

Re: Quick Tax Efficiency Question: VSS vs. VTI

I just looked through the Vanguard site - I'm happy to do some work, but pulling some of those historical distribution #s may be difficult. Another thought. If I do want VSS in tax-advantaged, it would have to be in my IRA (VG Mutual Fund acct) and would have to be as the mutual fund - VFSVX - and I...
by killjoy2012
Sun Jan 06, 2013 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1503

Quick Tax Efficiency Question: VSS vs. VTI

Guys - quick question. I'm working on updating my Investment Plan that involves these funds/ETFs on the equity side: VTI, VBR, VXUS, VSS, VWO & VNQ. Among those 6 funds, which should be placed in taxable to be the most tax efficient approach? I've read & followed the wiki article. My debate is speci...
by killjoy2012
Fri Jan 04, 2013 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2327

Re: Portfolio Review - Advice Would Be Appreciated!

The free transactions at Wells Fargo require linking with the PMA checking account. That account has a monthly fee unless your total assets exceed 50k (includes 10% of mortgage) in most states. Wells Fargo is apparently eliminating the free transactions for new customers beginning in April. It's no...
by killjoy2012
Fri Jan 04, 2013 11:36 am
Forum: Personal Consumer Issues
Topic: Home Furnace: Brand Recommendations
Replies: 36
Views: 6702

Re: Home Furnace: Brand Recommendations

For the money I like Rheem/Ruud. Don't get caught up by brand names, though--find a good reputable installer. Do your homework. All the major brands have equipment to adequately meet your needs...if they are properly spec'd and installed. You might want to check out http://hvac-talk.com/vbb/forum.p...
by killjoy2012
Thu Jan 03, 2013 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2327

Re: Portfolio Review - Advice Would Be Appreciated!

OK Guys - two more questions.... 1) I need a taxable investment account to be able to execute my plan, but I don't have one today. I was considering opening one with TD Ameritrade since if I move my HSA to HSA Bank, they use TDA for their investment option. But I also just read on their website that...
by killjoy2012
Sun Dec 30, 2012 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move from upstate NY to Los Angeles, CA?
Replies: 64
Views: 6645

Re: Should I move from upstate NY to Los Angeles, CA?

I think you first need to decide what's the higher priority... work or family? If work, then yes, I would strongly consider making the move. I work in IT & almost made a move from a major city in the Midwest to San Francisco/San Jose in 2009... and based on my research at the time, I figured I neede...
by killjoy2012
Sun Dec 30, 2012 11:13 am
Forum: Personal Consumer Issues
Topic: Vista to Window 7 or 8?
Replies: 66
Views: 4130

Re: Vista to Window 7 or 8?

Go with Windows 7. Windows 8 is really designed for tablets & touch screen all-in-ones. I installed the Win8 RC on a spare laptop I had & couldn't stand it & basically came to the conclusion that Win8 makes no sense outside of the touch screen world.
by killjoy2012
Wed Dec 26, 2012 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2327

Re: Portfolio Review - Advice Would Be Appreciated!

not offering advice but where can I learn how to make a spreadsheet like yours? It's not that hard. Just mock up whatever you want in Excel, then copy all of the cells and paste into either MS Paint or Photoshop. Save as a JPG picture file. The harder part is that you then need an Internet website/...
by killjoy2012
Mon Dec 24, 2012 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2327

Re: Portfolio Review - Advice Would Be Appreciated!

Thanks for the advice guys... Would I take out a $32,000 loan on the house to invest in the markets if your house were paid off or is that too much risk? Some would. I just did (well more than that). Brian Yes, I went through this same debate a year ago. I owed 60k on the house still, almost halfway...
by killjoy2012
Mon Dec 24, 2012 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2327

Re: Portfolio Review - Advice Would Be Appreciated!

Ok, the reason I asked is I always worry when people say they have a large cash position and have been waiting to market time, yet claim they want a fairly risky allocation. I wonder if people like that have actually invested through a 50-60% market drawdown or if they are deluding themselves. It d...
by killjoy2012
Mon Dec 24, 2012 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2327

Re: Portfolio Review - Advice Would Be Appreciated!

1. I think I bonds are good they give you inflation protection, more tax advantaged space and piece of mind( and would put some of that emergency fund in there as you can) 2. I would forget Tips to I got older(build up I bonds instead) 3. There is nothing wrong with tilt but if you do stay the cour...
by killjoy2012
Sun Dec 23, 2012 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2327

Portfolio Review - Advice Would Be Appreciated!

Hi Everyone - long time lurker, but this is one of my first posts. I've been doing a lot of reading of forum posts, wiki and some books, but I still feel I only know enough to be dangerous... not the expert, so I'm asking for your guidance here. I'm spending a couple days over this holiday break to ...
by killjoy2012
Fri Nov 30, 2012 9:41 pm
Forum: Personal Consumer Issues
Topic: To go or not to go - family trip to Europe
Replies: 81
Views: 6383

Re: To go or not to go - family trip to Europe

Lots of good advice already given, so I won't write a novel here. But, when you figure that airfare alone will be ~$1200pp & 2 days spent flying, I wouldn't go for anything less than 10 days to try and get the "per day" value out of the airfare. And 10 days in Europe for $800 to cover everything els...
by killjoy2012
Thu Sep 27, 2012 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 5097

Re: Apple Computers & Laptops

My thoughts related to Apple are they appear to be a great company historically and produce quality products. It really depends on how long your memory is. Apple products weren't anything special in the 1980's & 90's, and I would even argue that the PC & Microsoft almost drove Apple out of existenc...
by killjoy2012
Wed Sep 26, 2012 5:54 pm
Forum: Personal Consumer Issues
Topic: Metro Detroiters, classy bachelor party dinner venue?
Replies: 7
Views: 1201

Re: Metro Detroiters, classy bachelor party dinner venue?

$100pp isn't much when you consider alcohol & group gratuity. A step up from Chili's? Cheli's Chili Bar right by Comerica Park. http://www.chelischilibar.com/detroit/home.html Union Street Saloon up by the DMC. http://www.unionstreetdetroit.com Any of the Greektown restaurants: Fishbones, Pegasus, P...