Search found 642 matches

by ajcp
Sun Mar 16, 2014 7:58 am
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 368
Views: 60932

Re: Premium Products That Are Worth It To You

Pretty much all food (that you buy yourself, not talking about the $100/person restaurants). My dad isn't cheap by any means, but he would often buy store brand oreos, or the cheap burgers from the grocery store. And they're just not the same. Decent running shoes, if you're a runner Non-apple compu...
by ajcp
Sat Mar 15, 2014 11:11 am
Forum: Investing - Theory, News & General
Topic: USA Today inadvertently makes case for EE bonds
Replies: 13
Views: 2834

Re: USA Today inadvertently makes case for EE bonds

According to morningstar, those numbers should be 72.8% and 4.0%. You'd also have to wait another 6 years to get that guaranteed double.
by ajcp
Sat Mar 15, 2014 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Discover FICO scores
Replies: 4
Views: 747

Re: Discover FICO scores

The other thing it brings to mind is that lenders must be insane if they think I am able to pay back the amount of unsecured loans they are willing to offer me. Is there any common sense in the lending industry? Having a high FICO score does not mean I have lot's of money. What exactly do you mean ...
by ajcp
Sat Mar 15, 2014 6:57 am
Forum: Investing - Theory, News & General
Topic: Who cares about inflation in retirement?
Replies: 55
Views: 5281

Re: Who cares about inflation in retirement?

But, yes, to those old enough to remember it, the last twenty or thirty years have been a period of glorious, unprecedented price stability--every bit as remarkable as the "30 year bull market in bonds"--when inflation has been both mild and steady. It is weird to me to hear the angst wit...
by ajcp
Fri Mar 14, 2014 2:55 pm
Forum: Investing - Theory, News & General
Topic: Turn spare change into big bucks?
Replies: 29
Views: 3125

Re: Turn spare change into big bucks?

I would be curious what the average amount of money someone would end up investing per year as a result of this app. I'm also curious if utilizing this approach makes the younger people feel like they are doing more than they really are. I have a feeling I might be investing more in 1 month (~$1800...
by ajcp
Fri Mar 14, 2014 2:44 pm
Forum: Personal Investments
Topic: Tax Efficiency - Buying on Dividend Dates
Replies: 8
Views: 900

Re: Tax Efficiency - Buying on Dividend Dates

Waiting 3 days for the dividend to pass seems worthwhile. My hunch is waiting a month or two will be a net negative. I'd focus my time on more important things.
by ajcp
Fri Mar 14, 2014 2:39 pm
Forum: Investing - Theory, News & General
Topic: Turn spare change into big bucks?
Replies: 29
Views: 3125

Re: Turn spare change into big bucks?

inbox788 wrote: This is a play on the "Keep the Change" program at BofA.
Just eyeballing it, I think BOA's program, with their 0 fees and 0% interest, is actually likely to make you more money than this program. Good racket for them though.
by ajcp
Fri Mar 14, 2014 2:28 pm
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 6856

Re: Anti-virus for Mac?

Really, the ONLY advantage OSX has is that it still has a relatively small market share. Don't get me wrong, it's a HUGE advantage, but once that advantage goes away, it's open season. To be fair, is there any reason to think it will? They don't even have 10% market share. Looking at other areas, A...
by ajcp
Fri Mar 14, 2014 2:03 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?

Mac and OSx. Yes- the machines are more expensive, but guess what? You turn them on, and they work. Put them away, take them back out- and they work. They just keep working. You want to plug in a second screen? Plug it in, and... done- you have two screens. You get what you pay for here- They're ea...
by ajcp
Fri Mar 14, 2014 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 93
Views: 15246

Re: Did you retire in your 30s?

I'll never understand the concept of being bored due to not working. I could live happily for 1000 lifetimes. Have you learned to play every instrument? Speak every language? Ski powder? Surf big waves? Have you reached all your fitness goals? Did you get that economically worthless but intellectua...
by ajcp
Fri Mar 14, 2014 12:08 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?

nisiprius wrote:Whenever I've made a moderately-priced disk drive upgrade, I've been pleased with the results. When my computer is three or four years old, I will just wander in to Staples or Best Buy and sort of see what they have going for about $100.
Are you reformatting when you buy the new HDD?
by ajcp
Fri Mar 14, 2014 12:04 pm
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 5308

Re: Cousin's Wedding

As frugal as I am and on 70K, there's no way for me to max out a 401K @ $17.5. My Roth is always maxed. Yes, surfing isnt free but your equipment lasts for years. $300 on a wetsuit?! Too Much.... Ha! Anyway, this isnt the point of the thread. The thing is, you really don't need to. It's nice if you...
by ajcp
Fri Mar 14, 2014 6:56 am
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?

"There are rumors that the company may produce a low- or no-cost Windows version that might encourage reluctant upgraders to switch," but I don't think cost is the big problem. The big problem is companies that can't switch for technical reasons--or, more precisely, for whom the cost of s...
by ajcp
Thu Mar 13, 2014 7:49 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 280
Views: 55861

Re: William Bernstein-When you've won the game, why keep pla

I don't know if anyone has taken Required Minimum Distributions into account when figuring out their withdrawal rate, but they should. We keep hearing these days that a safe withdrawal rate is probably about 3% real instead of the classic 4%, but Uncle Sam is going to make you take out closer to 4%...
by ajcp
Thu Mar 13, 2014 7:25 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 15232

Re: Amazon Prime Increase

Friend: What the deal with that Bogleheads thing you're always talking about? Me: Oh it's just a forum with an average net worth in the 7 figures where a $20 price increase every 9 years gets a 3 page topic. :happy Why do you think the average net worth is in the 7 figures? I guess many of us use P...
by ajcp
Thu Mar 13, 2014 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation
Replies: 37
Views: 6055

Re: Net Worth Calculation

if you DO include depreciating assets, at what point do you draw the line? Do you include televisions? My engagement ring? Our nice furniture? Our laptops? I (and many others) choose to draw that line at one side or the other of cars. You are welcome to calculate your net worth in whatever manner y...
by ajcp
Thu Mar 13, 2014 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Improving Credit Score by Timing Credit Card Payments
Replies: 17
Views: 2154

Re: Improving Credit Score by Timing Credit Card Payments

Short answer, yes. But: Unless you are applying for credit/a loan within the next month, it doesn't matter. Not even a little bit, it matters exactly 0%. If you are about to apply for credit or a loan, it doesn't matter if your credit is "good enough". (What's good enough? It depends what ...
by ajcp
Thu Mar 13, 2014 6:47 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 15232

Re: Amazon Prime Increase

Friend: What the deal with that Bogleheads thing you're always talking about?

Me: Oh it's just a forum with an average net worth in the 7 figures where a $20 price increase every 9 years gets a 3 page topic.

:happy
by ajcp
Thu Mar 13, 2014 10:21 am
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 280
Views: 55861

Re: William Bernstein-When you've won the game, why keep pla

I don't have the math to back it up, but I think that fears of running out of money are vastly overestimated. With ss, you really can't "run out of money", maybe just run out of savings. For many, that is their only income, and you can usually live just on that (especially the people on h...
by ajcp
Thu Mar 13, 2014 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation
Replies: 37
Views: 6055

Re: Net Worth Calculation

If I owned a house, I'd do one with and one without it. I don't count my car at all. I know I can sell it, but realistically, I'm not going to. I'm going to keep it for another 5 or so years, and when I do sell it I'll have to buy a new one, so the transition will still cost me money. I am aware of ...
by ajcp
Thu Mar 13, 2014 9:55 am
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 72
Views: 7484

Re: What is your 2013 Federal Effective Tax Rate?

Marginal Tax Rate is what's important,not Effective. Well, if you can find a way to lower it for me without reducing my take-home pay, I'm all ears! :D My mother says as long as I'm paying taxes that it's a good thing - well, I see her point, but at the same time, I can't stand the fact that I get ...
by ajcp
Thu Mar 13, 2014 9:53 am
Forum: Personal Finance (Not Investing)
Topic: When to file social security benefits 62 or 67?
Replies: 56
Views: 4783

Re: When to file social security benefits 62 or 67?

This doesn't directly answer your question, but it's an important thing to consider, especially with two young kids. Do you have enough saved for him to retire at 62?
by ajcp
Wed Mar 12, 2014 7:13 am
Forum: Investing - Theory, News & General
Topic: 20% More in Roth vs. TIRA, Even w/Uniform Tax Rate?
Replies: 20
Views: 2106

Re: 20% More in Roth vs. TIRA, Even w/Uniform Tax Rate?

Easy. The study probably assumes you make the maximum contribution each year and you can put more post-tax dollars into a Roth each year. So the study is saying "if you save more money each year, you will have more money when your retire". That is pretty self evident. This was my first th...
by ajcp
Wed Mar 12, 2014 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Credit Usage With Only One Credit Card and Credit Score
Replies: 6
Views: 855

Re: Credit Usage With Only One Credit Card and Credit Score

Also keep in mind that your credit score only matters if you applying for new credit. If you are not, it doesn't hurt you.
by ajcp
Mon Mar 10, 2014 10:38 pm
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 6856

Re: Anti-virus for Mac?

For people who claim to have never had a virus: how do you know? Most viruses wouldn't exactly announce themselves. You could easily have a virus for years and never know about it. If I had a virus for years and didn't know it then that's a pretty lame virus. I've had a PC with a virus and I knew i...
by ajcp
Mon Mar 10, 2014 4:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard Minimum Investment Question
Replies: 23
Views: 2579

Re: Vanguard Minimum Investment Question

No, you can't do that. They give you some leeway if you fall under 10k due to a change in market value, but not for actual selling. A 0.1% ER means $10/year, max, which is nothing. Of course if you had the full 10k, you'd be in admiral,say it was 5k...that's $5. Not worth worrying about. Just use in...
by ajcp
Sun Mar 09, 2014 7:18 pm
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 7778

Re: How Many Funds Do You Have in Taxable?

Is there a good strategy to get rid of funds that have a large gain, and i am in a high tax bracket? Please don't suggest donating to charity. Sure, give them away to your relatives and friends. They will get your basis (so let them know that), but they will be able to sell in their tax brackets wh...
by ajcp
Sun Mar 09, 2014 3:32 pm
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 6856

Re: Anti-virus for Mac?

I wouldn't recommend this. There is a common myth that macs don't get viruses, mainly because of advertising claims from apple that are at best misleading, and at worst, lies. They claim that macs don't get viruses designed for windows...which, well yea... they get viruses designed for macs (which ...
by ajcp
Sun Mar 09, 2014 2:18 pm
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 6856

Re: Anti-virus for Mac?

I would recommend no 3rd party antivirus software. Just stay current with the updates and don't do go to any sketchy websites intentionally. I wouldn't recommend this. There is a common myth that macs don't get viruses, mainly because of advertising claims from apple that are at best misleading, an...
by ajcp
Sun Mar 09, 2014 9:40 am
Forum: Investing - Theory, News & General
Topic: Bonds - What other fund?
Replies: 20
Views: 2034

Re: Bonds - What other fund?

I use Intermediate index, so I can't vote.
by ajcp
Sun Mar 09, 2014 9:09 am
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 12246

Re: Total Market Bond Fund vs Intermediate Term Fund

When I was selecting the funds in my AA years ago I selected the I-T bond fund over the TBM and have stuck with it for many years. I think that's the trick~pick one and stick with it. +1. I recently decided IT over TBM after reading recent threads (before finding this site I had a combination of ta...
by ajcp
Sun Mar 09, 2014 8:07 am
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 13931

Re: is 4gb memory, 500gb hd adequate for new desktop?

Bad analogy. It's like asking if you need a 24 lane highway when you already have a 12 lane highway, with traffic filling only 3. Not exaggerating here either - a 4gb ram can already stream 8 simultaneous video streams without hiccup. Well, you are exaggerating a little, unless someone's only using...
by ajcp
Sat Mar 08, 2014 9:14 am
Forum: Personal Finance (Not Investing)
Topic: File FAFSA with 7 figure non-retirement portfolio?
Replies: 42
Views: 6896

Re: File FAFSA with 7 figure non-retirement portfolio?

"They" don't know how big your portfolio is and probably don't know exactly whether you'll get anything, so they figure that it won't hurt. My parents had much less assets than you and fafsa didn't help me at all. You could get offered loans, but assuming you have the money and are paying ...
by ajcp
Sat Mar 08, 2014 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Questions about a Lingering Divorce
Replies: 28
Views: 2353

Re: Questions about a Lingering Divorce

Questions Is anyone familiar with the kind of loan my parents may have taken? I'm young (33) and don't own a home. I've asked friends who own and they're all baffled by the concept of a loan with a balloon payment and a due date. It doesn't make any sense. I believe that at one point my parents did...
by ajcp
Sat Mar 08, 2014 8:47 am
Forum: Personal Consumer Issues
Topic: T-Mobile's response to a weak signal
Replies: 16
Views: 2715

Re: T-Mobile's response to a weak signal

We are not under contract with T Mobile, but do have a repayment plan for these ridiculously overpriced Samsung Galaxy phones. If I may go on a tangent for a minute...you have a computer the size of your hand that allows you to access the internet using cell phone towers all over the country and te...
by ajcp
Sat Mar 08, 2014 7:58 am
Forum: Personal Investments
Topic: HSA Investment Problem
Replies: 12
Views: 3056

Re: HSA Investment Problem

I agree with 111, the dividend is also a gain. I'm sure that cost basis matters for a non-taxable account, since it doesn't include the dividends either.

In your Schwab account, the cost basis is for tax purposes, not what you have invested and unrealized gains don't include dividends either.
by ajcp
Sat Mar 08, 2014 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 2033

Re: Risk in Mailing Check

It is even easier than that. With the information on the check, a completely new check can be printed out on any printer or ordered if the thief is very low check and written out very neatly or even typed. It has never happened to me but I have not mailed a check in many years now. That's true. I'v...
by ajcp
Fri Mar 07, 2014 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Two commas...
Replies: 32
Views: 4060

Re: Two commas...

It's that 3rd comma that's the killer to get to. Have any Bogleheads done this? Realistic with index funds? If someone invested 1,000,000 at age 18, increased contributions by 3% every year, and got 10% annual returns, they would hit the 3rd comma at age 64. So I'm gonna go with no (to the 2nd ques...
by ajcp
Fri Mar 07, 2014 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Oldest credit card - upgrade?
Replies: 11
Views: 1364

Re: Oldest credit card - upgrade?

Thanks for your reply, ajcp. Assuming I *did* want to keep it open, to keep my utilization low, I guess my question is do I need to use the card occasionally? Or can it sit locked in a drawer? No one can answer that, it's luck of the draw. To be safe it wouldn't hurt to use it every once in a while...
by ajcp
Fri Mar 07, 2014 11:15 pm
Forum: Personal Consumer Issues
Topic: Understanding credit score
Replies: 15
Views: 1748

Re: Understanding credit score

nhrdls wrote:
ajcp wrote:What exactly was your score?
It was above 800.
I suspected it might still be high...ignore the "key factors", it's basically just nitpicking. No there's nothing you can do to improve it much, but there's not any good reason to either.
by ajcp
Fri Mar 07, 2014 4:44 pm
Forum: Personal Consumer Issues
Topic: Understanding credit score
Replies: 15
Views: 1748

Re: Understanding credit score

What exactly was your score? I believe the credit ratings agencies calculate utilization based on account balance at closing date. So, for example, if you have a $10k limit and have $5k balance at closing date, even if you pay it on time and in full, they will still say you have a very high utilizat...
by ajcp
Fri Mar 07, 2014 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Oldest credit card - upgrade?
Replies: 11
Views: 1364

Re: Oldest credit card - upgrade?

It's really up to you. You're only losing maybe a couple dollars a year in rewards (if that), so it's not hurting you. But if you want to close it and have good limits on your other cards (for a low utilization), then it won't really hurt you to close it either.
by ajcp
Fri Mar 07, 2014 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 74
Views: 10930

Re: Tipping for take out

One of the commonly cited reasons you're "supposed to"top on take out is they claim they get taxed on it whether you tip or not. I'm guessing that excuse wouldn't fly on this forum. :happy It does not work that way, the take out food it tracked differently. In some areas the sales tax on ...
by ajcp
Thu Mar 06, 2014 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 74
Views: 10930

Re: Tipping for take out

One of the commonly cited reasons you're "supposed to"top on take out is they claim they get taxed on it whether you tip or not. I'm guessing that excuse wouldn't fly on this forum. :happy It does not work that way, the take out food it tracked differently. In some areas the sales tax on ...
by ajcp
Thu Mar 06, 2014 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: My 401k match
Replies: 24
Views: 2436

Re: My 401k match

2cents2 wrote: But, the catch is there is a 5 year vesting period for the match (20% per year).....
That is somewhat typical.
by ajcp
Thu Mar 06, 2014 11:48 am
Forum: Personal Investments
Topic: Taxable Account prior to maxing out Tax-Advantaged Accounts?
Replies: 15
Views: 2274

Re: Taxable Account prior to maxing out Tax-Advantaged Accou

I'm thinking something along the lines of the following for money that I have available for investment after 401(k) company contributions and the $5500 Roth IRA contribution: 2/3 401(k), 1/3 Taxable Account with tax-efficient investments (with 1/10th of that going to a separate brokerage account to...
by ajcp
Thu Mar 06, 2014 11:41 am
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 12527

Re: Will this affect your Tipping?

Some of this is due to a change in tax regulations regarding tips. http://watchdog.org/122310/new-irs-rule-cut-restaurant-workers-tips/ Is “It means less money in servers’ pockets and more for the federal government." actually true, beyond the part where the government is simply preventing tax...
by ajcp
Thu Mar 06, 2014 11:36 am
Forum: Personal Finance (Not Investing)
Topic: My 401k match
Replies: 24
Views: 2436

Re: My 401k match

100% of first $1500 = $1500 50% of next $1500 = $750 33% of next $7500= $2475 10% up to max = $700 My Contribution = $17500 Employer Match = $5425 Total Match % = 31% Match as % of my salary = 7.5% I'm not complaining (except about the fund choices). Honestly I'm surprised this is the exception rat...
by ajcp
Thu Mar 06, 2014 7:59 am
Forum: Personal Investments
Topic: Taxable Account prior to maxing out Tax-Advantaged Accounts?
Replies: 15
Views: 2274

Re: Taxable Account prior to maxing out Tax-Advantaged Accou

You're going to get a lot of no's, but I don't see a problem with it. If you want a little extra that can second as a long-term but not as long as retirement and/or a secondary emergency fund, I think that's reasonable.
by ajcp
Thu Mar 06, 2014 7:54 am
Forum: Personal Investments
Topic: HSA Investment Problem
Replies: 12
Views: 3056

Re: HSA Investment Problem

What exactly doesn't match up? The fund had no capital gains, so that's why you're not seeing them. I haven't done the math, but at a quick glance everything seems to add up ok.