Search found 642 matches

by ajcp
Sun Mar 23, 2014 1:23 pm
Forum: Personal Investments
Topic: Asset Allocation Question
Replies: 22
Views: 2075

Re: Asset Allocation Question

In other words, does it just make more sense to simply ride out the inevitable dip and recovery in stocks given my 30 year horizon?. Be careful calling things that are not inevitable inevitable. http://upload.wikimedia.org/wikipedia/commons/thumb/6/6d/Nikkei_225%281970-%29.svg/700px-Nikkei_225%2819...
by ajcp
Sun Mar 23, 2014 1:07 pm
Forum: Personal Investments
Topic: Where to park short-term cash of 100K
Replies: 31
Views: 14180

Re: Where to park short-term cash of 100K

nsj13 wrote:I was making the same decision a little less than 1 month ago and decided to place the cash in a vanguard short-duration bond fund and I've managed to lose almost 5% since
Uh, which fund is this?
by ajcp
Sun Mar 23, 2014 8:01 am
Forum: Personal Investments
Topic: Where to park short-term cash of 100K
Replies: 31
Views: 14180

Re: Where to park short-term cash of 100K

There is no way that opening a savings account hurt your credit score. No way. I can give you a 100% sure answer that opening a checking/savings account will not even show up on your credit report, yet alone hurt it. These posts are both incorrect. Banks can, and some do, do a hard pull even for a ...
by ajcp
Sun Mar 23, 2014 7:50 am
Forum: Personal Investments
Topic: 8% ROI needed
Replies: 28
Views: 4874

Re: 8% ROI needed

Doesn't the fact that the dividend is reliable mean they very well might be distributing principle. How do you know with these funds? The price they trade at and the real underlying value of the holdings can differ substantially right? see http://www.bogleheads.org/wiki/Closed-end_funds#Premiums_an...
by ajcp
Sat Mar 22, 2014 9:49 am
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 5850

Re: How important are Int'l Bonds?

How big of a deal is it to add a fund to the company lineup?
by ajcp
Fri Mar 21, 2014 6:22 pm
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 7063

Re: Replacement for Windows XP Computer

IMO, this is the problem with an SSD approach. 250GB of storage isn't very future-proof, and unless you're willing to deal with 2 drives, stepping up to 500GB means a $200 increase vs. an HDD. IMO, you'd get more future proofing for less money with an i5 processor and an HDD. In 2-3 years you could...
by ajcp
Fri Mar 21, 2014 5:39 pm
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 3589

Re: Buying new phone outright vs 2 yr contract + ETF

I'm not with VZW anymore but the problem you run into with contract phones is that after the 24 month contract, the monthly payment stays the same. So you somehow want to buy the phone essentially outright and then do a cheaper PrePaid plan with VZW for around $50 a month or so. No idea if they are...
by ajcp
Fri Mar 21, 2014 5:27 pm
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 7063

Re: Replacement for Windows XP Computer

Don't know if I'd recommend 2 hard drives for the average user....yes for the savvy user. IMO, this is the problem with an SSD approach. 250GB of storage isn't very future-proof, and unless you're willing to deal with 2 drives, stepping up to 500GB means a $200 increase vs. an HDD. IMO, you'd get m...
by ajcp
Fri Mar 21, 2014 10:00 am
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 3589

Re: Buying new phone outright vs 2 yr contract + ETF

You asked why would ANYONE buy a phone at full price vs. the Verizon plan, and have then shot down everyone that has tried to answer that question, with information as to why YOU PERSONALLY wouldn't do that because you need Verizon based on your location and needs. But your question didn't ask abou...
by ajcp
Fri Mar 21, 2014 9:28 am
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 3589

Re: Buying new phone outright vs 2 yr contract + ETF

I'd like to plant you here in our remote rural area surrounded by mountains and let you find me a cheap plan for 1/10 of what I'm paying now. Not an obstacle in any way. You have been captured by Verizon and Apple marketing. There are a number of MNVOs that use Verizon's network, and many perfectly...
by ajcp
Fri Mar 21, 2014 7:05 am
Forum: Personal Consumer Issues
Topic: Laptop Cost
Replies: 15
Views: 1618

Re: Laptop Cost

bertilak wrote:I'm guessing it is really Windows 8.1. If not, look for a laptop that comes with 8.1.
8.1 is a free update if you have 8.
by ajcp
Fri Mar 21, 2014 6:37 am
Forum: Personal Consumer Issues
Topic: How much internet speed is enough?
Replies: 21
Views: 3593

Re: How much internet speed is enough?

Normally I'm frugal, but I think bandwidth is an exception to the rule. Remember when a 56kbps modem was once enough? I think you can never have too much of bandwidth, as it will enable new things that you don't do now because it's too slow. For example, uploading videos, which only the patient do ...
by ajcp
Thu Mar 20, 2014 8:22 pm
Forum: Forum Issues and Administration
Topic: Hiding/Muting Topics
Replies: 2
Views: 1023

Re: Hiding/Muting Topics

Of course there's a greasemonkey script :D

That's exactly what I'm looking for, thank you.
by ajcp
Thu Mar 20, 2014 8:20 pm
Forum: Personal Consumer Issues
Topic: How much internet speed is enough?
Replies: 21
Views: 3593

Re: How much internet speed is enough?

You might want to look at it the other way though. At least where I live, the cheapest cable modem offering is $50/month. While that's $25 less per month than Google, or $300/year more, the user experience (for anyone but light users) is magnitudes better at 1000 Mbps vs 5. I guess it just depends ...
by ajcp
Thu Mar 20, 2014 6:30 pm
Forum: Forum Issues and Administration
Topic: Hiding/Muting Topics
Replies: 2
Views: 1023

Hiding/Muting Topics

I was wondering if it would be possible to implement the ability to hide or mute topics. My reasoning is that this is a pretty active forum, often I'll go through the sub forums, read the topics I'm interested in, mark the whole sub forum as read, and go on to the next. But by the time I finish the ...
by ajcp
Thu Mar 20, 2014 1:38 pm
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 3589

Re: Buying new phone outright vs 2 yr contract + ETF

DayOldTacos wrote:Does Verizon give you a break on your monthly bill for not purchasing a new phone?
Nope, you pay for the subsidy whether you use it or not. They get away with it because people would rather be fooled into thinking they're only paying $200 for their phone.
by ajcp
Thu Mar 20, 2014 9:01 am
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 3589

Re: Buying new phone outright vs 2 yr contract + ETF

Moving away from hypotheticals and looking at my situation specifically it's pretty obvious that the contract price + the ETF is the cheapest way to get a phone - at least compared to buying a new one outright. We're locked in with Verizon - in the rural area where we live it's the only carrier tha...
by ajcp
Thu Mar 20, 2014 8:56 am
Forum: Personal Consumer Issues
Topic: [ALERT: Affordable Care Act Phishing Calls]
Replies: 16
Views: 1509

Re: ALERT: Obamacare Phishing Calls

First, we formerly had had Verizon service. I imagine that was just luck on their part, but it did make me let my guard down, and did make me listen. It wasn't luck, per se, it was just numbers. If they call 1000 people, obviously some of them will have Verizon, and they only know about their call....
by ajcp
Thu Mar 20, 2014 8:47 am
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 3589

Re: Buying new phone outright vs 2 yr contract + ETF

What is an example of paying more for a phone outright would make more sense than a contract w/ ETF? It seems like people would get a contract, cancel it, pay the ETF and end up with the phone that was being considered for direct purchase. You're adding a new line anyway, so the difference there is...
by ajcp
Thu Mar 20, 2014 7:31 am
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 3589

Re: Buying new phone outright vs 2 yr contract + ETF

Why would you or why would anyone?

For you, I think the contract makes sense, but I could see many situations where buying new would make more sense.
by ajcp
Thu Mar 20, 2014 6:06 am
Forum: Investing - Theory, News & General
Topic: Counting equity in house in calculating retirement withdrawa
Replies: 41
Views: 3256

Re: Counting equity in house in calculating retirement withd

The counterintuitive part to me is the the retirement calculators are predicting the odds of being at zero before you die. But if you get to zero in your portfolio but still have an 800000 house, you are hardly in the same position as someone who gets to zero without that house. It just seems like ...
by ajcp
Thu Mar 20, 2014 6:01 am
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 7063

Re: Replacement for Windows XP Computer

I don't know what the advantage of getting a "64-bit Windows 7 Pro with a Windows 8 disk" would be, but based on my personal experience with Windows 8 I can say that the "Windows 7/8 divide" is much ado about not much at all. I would recommend just buying a machine with Windows ...
by ajcp
Wed Mar 19, 2014 3:48 pm
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 10410

Re: How much do you make a year in Dividends?

topper1296 wrote:A 2 for 1 stock split is nothing more than trading a dime for two nickels.
Wait, you're not only going to give me 2 coins for my 1, but I'm getting a bigger coin too?!! Where do I sign up?
by ajcp
Wed Mar 19, 2014 11:22 am
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 5401

Re: Best smartphone in 2014?

Her entire shot looked like the fut in the second picture, also taken with an iphone. First one was taken with moto x. That's a back-lit scene. It will never come out well, unless you use some substantial fill-flash. Maybe the GS4 does that automatically? Cameras are the last thing I look at on pho...
by ajcp
Wed Mar 19, 2014 10:45 am
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 7063

Re: Replacement for Windows XP Computer

magellan wrote: This is controversial, but having used a touch screen laptop for productivity tasks, I'm not sold that touch is really the future, outside of the consumption/mobile world.
Controversial? I'd say your in the majority.
by ajcp
Wed Mar 19, 2014 10:01 am
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 5401

Re: Best smartphone in 2014?

For best camera, I'd wait for the galaxy s5 when it comes out in a month or two. I've found iphone cameras to be overrated. I was at an event with my sister a couple months ago and she kept trying to take pictures but all it captured was the light and you couldn't see a thing. One shot on my gs4 and...
by ajcp
Wed Mar 19, 2014 9:19 am
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 10410

Re: How much do you make a year in Dividends?

Greetings, I understand that a stock split does not add value at that time; however, now the investor owns additional shares. If she or he now owns 10 shares vs 5 they have greater growth potential. If stock price rises $1.00 after 2 for 1 split investor makes $10 v $5 before split. As a long time ...
by ajcp
Wed Mar 19, 2014 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawal Limit At Capital One Savings Account??
Replies: 9
Views: 15660

Re: Withdrawal Limit At Capital One Savings Account??

I thought it had to do with the Fed wanting to calculate M-1 and M-3 money supplies where savings accounts were presumed to be long term (could be wrong). I ran into this a couple years ago when I set up multiple savings accounts for my kids at Cap1-360. I set them up to do weekly automatic allowan...
by ajcp
Wed Mar 19, 2014 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawal Limit At Capital One Savings Account??
Replies: 9
Views: 15660

Re: Withdrawal Limit At Capital One Savings Account??

However, in reading about it now, there is some nasty stuff in it. The Fed trashes savers again: The limit is 6 for online transactions of any amount, and in persons transactions are unlimited. Let's not be dramatic. There's some stuff in there about losing interest depending on when you make withd...
by ajcp
Wed Mar 19, 2014 8:54 am
Forum: Personal Consumer Issues
Topic: Living with Windows XP
Replies: 3
Views: 441

Re: Living with Windows XP

midareff wrote: Wasn't there a cut-off on browser updates for IE? I seem to recall that IE7 was the last browser that worked on XP, then IE8 for Win7 and both 9 and 10 for Win8.
IE 8 is the last update for xp. 9, 10 , and 11 are all available on 7.
by ajcp
Wed Mar 19, 2014 7:15 am
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 7063

Re: Replacement for Windows XP Computer

hudson wrote: The gamers go with Dell's Alienware computers. .
Alienware is generally overpriced and better/cheaper computers can be bought elsewhere.
by ajcp
Tue Mar 18, 2014 10:12 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 170
Views: 51316

Re: my review of my HSA with Saturna brokerage

Thanks for the review. They definitely seem cheaper than most, so nice to get some information from someone who's used them.
by ajcp
Tue Mar 18, 2014 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal Limit At Capital One Savings Account??
Replies: 9
Views: 15660

Re: Withdrawal Limit At Capital One Savings Account??

frugaltype wrote:However, in reading about it now, there is some nasty stuff in it. The Fed trashes savers again:
The limit is 6 for online transactions of any amount, and in persons transactions are unlimited. Let's not be dramatic.
by ajcp
Tue Mar 18, 2014 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using a convenience check
Replies: 13
Views: 5492

Re: Using a convenience check

Often your payments will be directed to the lowest interest rate first. As livesoft said, check the fine print.
by ajcp
Tue Mar 18, 2014 2:25 pm
Forum: Personal Consumer Issues
Topic: Tipping should be based on time not amount
Replies: 33
Views: 3146

Re: Tipping should be based on time not amount

They are taxed on these estimated tips and wages. There have been complaints by wait staff that the estimated 10% tip is unfair because people may not tip. This is another argument I hear a lot and hate. In aggregate, I don't believe for a second that they are getting less tips than they are claimi...
by ajcp
Tue Mar 18, 2014 12:44 pm
Forum: Personal Consumer Issues
Topic: Tipping should be based on time not amount
Replies: 33
Views: 3146

Re: Tipping should be based on time not amount

Some nights he might work 4 hours and make $25, another night he might make $80. I'm a good tipper, but I hear this argument pretty often and it annoys me (particularly since unlike you, the ones making it usually talk much more about the $25 day than the $80 one.) I always make the stock market an...
by ajcp
Tue Mar 18, 2014 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Paying Taxes Owed Using Credit Card
Replies: 10
Views: 2270

Re: Paying Taxes Owed Using Credit Card

No. 2% everywhere is as good as it gets. thanks! I just got a mailer from Chase for a Marriott rewards card where if i spend 3K in the first 3 months, i get 70K miles upfront. for all other purchases, i get 1point per dollar. I was wondering if its worth going that route. Ok yea if you want to do t...
by ajcp
Tue Mar 18, 2014 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Paying Taxes Owed Using Credit Card
Replies: 10
Views: 2270

Re: Paying Taxes Owed Using Credit Card

No. 2% everywhere is as good as it gets.
by ajcp
Mon Mar 17, 2014 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 10118

Re: What premium items are least worth it?

Surprised no one has said expensive AV cables, tests have shown cheap HDMI cables show no loss of quality if you arent running them for long distances. That's a good one, I take that one for granted and hadn't even thought of it, but I wouldn't be surprised if many people do not know this. I'll go ...
by ajcp
Mon Mar 17, 2014 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 883491

Re: best cash back credit card

Your bank most likely has online bill pay, you put in your information and they'll debit your account and pay the bill. Whether that is better comes down to personal preference.
by ajcp
Mon Mar 17, 2014 12:49 pm
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 7947

Re: XP to 7--please spell out what I buy, where, how much

But nobody has answered my question. What is the specific name of the boxed retail product I need to buy if I wish to upgrade a) Microsoft Windows XP Pro, or b) Microsoft Windows Media Center, to Microsoft Windows 7? May I shouldn't want to do that, but let's say I do. You can't, that version doesn...
by ajcp
Mon Mar 17, 2014 11:49 am
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 7947

Re: XP to 7--please spell out what I buy, where, how much

3CT_Paddler wrote:It's cheaper, but the one issue is that for that cheaper price its a one time installation. If your hard drive fails, you will need to purchase it again.
This is incorrect. The installation is tied to the motherboard, not the hard drive.
by ajcp
Mon Mar 17, 2014 10:10 am
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 7947

Re: XP to 7--please spell out what I buy, where, how much

The OEM version is still available, however it is intended only for building new computers for resale, and although Microsoft isn't always very clear about the matter it seems like they don't permit using Windows 7 OEM for personal use. That used to be their stance, but not anymore. The oem certain...
by ajcp
Mon Mar 17, 2014 5:53 am
Forum: Investing - Theory, News & General
Topic: Maximum annual tax advantaged space for a single filer
Replies: 39
Views: 3504

Re: Maximum annual tax advantaged space for a single filer

It seems to me that the limit for tax-advantaged space is extremely generous Glad you feel that way. Of course what Fifty-three percent of the population isn't covered by 401k plans. (me) Also, Expats can't use foreign income to fund IRAs. Yet that income is used against us to push us up into highe...
by ajcp
Sun Mar 16, 2014 10:12 pm
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 5131

Re: Investing in stocks--A surprising Google report ?

Taylor, I'm having trouble reproducing your results... I repeated my "search" and also couldn't come close to the four million figure. Now I'm no longer surprised. Thank you for catching my "search" error. Best wishes. Taylor Sorry to have been the bearer of disappointment, beca...
by ajcp
Sun Mar 16, 2014 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 10118

Re: What premium items are least worth it?

In my opinion, practically nothing is over priced. It's a very competitive world out there. If something is truly overpriced, it soon gets buried by the competition. Luxury costs. Get over it, or don't buy it. I'd agree that something is worth what someone is willing to pay for it, but I think thin...
by ajcp
Sun Mar 16, 2014 9:49 pm
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 11704

Re: I don't want to upgrade XP just yet, is that ok?

(Added) On second thought... looking at what Amazon is offering for Windows 7... I am actually very puzzled as to how one would go about upgrading from XP to Windows 7. All the Windows 7 packages seem to be for "System Builder (OEM) editions" that warn that they required a clean install a...
by ajcp
Sun Mar 16, 2014 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 883491

Re: best cash back credit card

Bacchus01 wrote:We buy our groceries at Walmart. How does Amex and other class that?
Not groceries
by ajcp
Sun Mar 16, 2014 2:33 pm
Forum: Investing - Theory, News & General
Topic: Target date retirement funds
Replies: 20
Views: 2691

Re: Target date retirement funds

The global financial crisis had swamped us. Investors a decade or two from retirement were surprised to see these "set-it-and-forget-it" funds lose more than one-third of their value. It prompted a Congressional hearing on whether workers automatically enrolled in their employer's retirem...
by ajcp
Sun Mar 16, 2014 2:29 pm
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 5131

Re: Investing in stocks--A surprising Google report ?

I typed cheese_breath and got 72,400 hits. But the results are bogus because Google removed the underscore between cheese and breath. Then I put quotes around cheese_breath and reduced it to only 48,900 hits. Google still removed the underscore, but somehow I got less hits. I didn't examine them al...