Search found 749 matches

by brad.clarkston
Wed Jan 21, 2015 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign or write loan
Replies: 40
Views: 2834

Re: Cosign or write loan

jfn111 wrote:If the wife wants to give them the $85,000, not loan or cosign, you might make a deal that they put X amount each month into a 529 plan for the new Granddaughter.
+1 that's a good idea!
by brad.clarkston
Wed Jan 21, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign or write loan
Replies: 40
Views: 2834

Re: Cosign or write loan

The banks definition of a cosigned loan is "they won't/can't pay for this so lets make this fool do it"

Ether give the full amount as a gift or walk away.
by brad.clarkston
Tue Jan 20, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 3058

Re: Birthday gift ideas for a 7 year old chess player

This is what I would recommend for a chess set, it's easy to take care of and transport and he can us it at a local chess club (scholastic preferably). { http://www.amazon.com/US-Chess-Federations-Standard-Combination/dp/B002Z49HVC/ref=sr_1_2?s=toys-and-games&ie=UTF8&qid=1421784346&sr=1-2 } That's a...
by brad.clarkston
Tue Jan 20, 2015 2:36 pm
Forum: Investing - Theory, News & General
Topic: good time to invest in a Reit Index fund?
Replies: 40
Views: 6399

Re: The dream of a perfect plan.

Is now DEC 2014 a good time to invest in a Reit Index Fund such as Vanguard Reit Index fund VGSTX? Or, is it at such a high it will likely just drop in the next years? Riptide: This is a post you made last month: After all the back and forth, I am still at a simple portfolio 4 core and my goal is t...
by brad.clarkston
Mon Jan 19, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 3058

Re: Birthday gift ideas for a 7 year old chess player

Get him a gift certificate from { http://uscfsales.com } and/or a membership in the US Chess Federation { http://www.uschess.org/ } (same place). I'm a member it's worth it, if you get a membership make sure to sign up for the jr magazine. As far as programs go ChessMaster is ok for a complete newbi...
by brad.clarkston
Sun Jan 18, 2015 11:58 pm
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 45
Views: 33750

Re: American Express Blue preferred vs Sallie Mae Mastercard

I use a few more than two. 1.) PenFed Platinum Cash Rewards Visa for the 5% back at the pump - 1a.) no foreign fee 1b.) no annual fee 1c.) no cap as long as I have multiple products with them which I do. 2.) The dreaded Chase Freedom for 2a.) 5% cash back for Grocery Stores (1st quarter - not walmar...
by brad.clarkston
Sun Jan 18, 2015 10:01 pm
Forum: Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 2933

Re: ROTH as a Emergency Fund Vehicle

no it doesn't work. Emergency Fund is one thing you need, one step IRA is another step, also necessary to gain what you can tax deferred They don't mix, in any way. +1 Step #1 - Setup a Emergency fund (very liquid easy to transfer), even if it's just $1,000.00 to 3 months worth. Step #2 - Invest us...
by brad.clarkston
Sun Jan 18, 2015 9:44 pm
Forum: Personal Investments
Topic: Bond portfolio advice
Replies: 7
Views: 994

Re: Bond portfolio advice

+1 on BND

Maybe 80% BND and 20% VTIP ?

That's still a bit more volatile than there age category would like but the only thing else out there would be i/e bonds, treasures, CD's and that's very low yeld.
by brad.clarkston
Sun Jan 18, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: Ladybugs! How do I get rid of them!
Replies: 20
Views: 2664

Re: Ladybugs! How do I get rid of them!

Make sure they are real Ladybugs and not the Asian Lady Beetle variant (sometimes called Japanese beetles) are very different types of bugs. The Asian version has a white head with a "W" or "M" on it's head a US lady bug has a black head. The Asian version will swarm in the summer in very large numb...
by brad.clarkston
Sun Jan 18, 2015 8:33 pm
Forum: Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 10336

Re: Dave Ramsey's bad advice at an all time high!

wcmFun wrote:
BogleMe wrote:
ryman554 wrote:
mickeyd wrote:I think the college kids got a hold of this thread.
It really is a shame there isn't an off topic subforum where this could be discussed further.
It's a shame a moderator (is there any?) hasn't locked this and all DR threads as all of this hate isn't good for the soul.
by brad.clarkston
Sat Jan 17, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 56
Views: 8897

Re: Poll: Your Max. REIT Allocation

about 3% of equities right now. reading the responses i was surprise that VG small-cap and Lifestrategy funds hold REITS. how does one isolate the REITS in these funds and how does one know what percentage is held? my portfolio watch tool does not reveal this. when i look at my Lifestrategy Growth ...
by brad.clarkston
Sat Jan 17, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: Larry's New Book On Sale
Replies: 10
Views: 2278

Re: Larry's New Book On Sale

It's $9.99 for a print on demand copy via Amazon.
by brad.clarkston
Sat Jan 17, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 56
Views: 8897

Re: Poll: Your Max. REIT Allocation

VNQ - 100.00% (10% of equity)
VSS - 5.41%
IJS - 4.82%
VTI - 4.20%
VXUS - 1.28%
-----------------
25.71% of total equity
by brad.clarkston
Fri Jan 16, 2015 11:40 pm
Forum: Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 6824

Re: Small Cap Value worth it?

I tilt 50% TSM/50% SCV as some of the others here. I do this to get exposure to the HmL and SmB factors and for the small rebalacing benefit. I swallow the pill and use VISVX for this, although would go DFA if I could. My 1 year old daughter gets the DFA funds through her Utah 529. She has a Cadill...
by brad.clarkston
Thu Jan 15, 2015 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 17300

Re: This topic is causing stress in marriage we need some he

I have to say it was pretty brave to ask this kind of question to such a unforgiving group ;) Dave Ramsey would have been a nicer ear, just don't take the investment tips :) Can you borrow from the sub-account like a regular retirement account without a total loss (ie pay it back)? The only downside...
by brad.clarkston
Thu Jan 15, 2015 6:26 pm
Forum: Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 6824

Re: Small Cap Value worth it?

I agree with livesoft, I tend to fiddle once a year on my birthday with new money/re-balance money. It's better than when I was buying/selling stocks pre-2008 but it's not buy once and forget. If I was that type I would go Core4 and forget about tilting altogether as it's not needed if on a re-balan...
by brad.clarkston
Thu Jan 15, 2015 6:11 pm
Forum: Personal Investments
Topic: Small Cap Value worth it?
Replies: 33
Views: 6824

Re: Small Cap Value worth it?

I tilt small cap in US/non-US equity. Core4 + 2 small cap's. 10% - VSS - Vanguard FTSE All World ex US Small Cap 10% - IJS - iShares S&P Small Cap 600 Value I'm thinking about selling the IJS for VBR as everything else in my Fidelity port is now Vanguard (go figure) but the extra REIT exposure is tr...
by brad.clarkston
Thu Jan 15, 2015 5:54 pm
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 6359

Re: How much food to you really keep?

I went through a purge of our pantry recently and found a bunch of cans of expired food. So don't forget to rotate your stock when you come home from the market, otherwise you may end up like me, throwing out food that should have been eaten. Mike We have several cardboard can organizers from { htt...
by brad.clarkston
Thu Jan 15, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 6359

Re: How much food to you really keep?

We keep about 2 months of store bought food on hand (several freezers, house sized natural gas fed backup-generator) along with 6 months of home canned food that does not need to be frozen (chili, 12 bean soups, hamburger ,etc.) and about 3 months of LDS.store #10 cans of staples and dried beans/etc...
by brad.clarkston
Thu Jan 15, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Brokerage scams
Replies: 6
Views: 1268

Re: Brokerage scams

Good idea. Now, can I remind you - one has to be a paid subscriber to WSJ to be able to view articles online. Whatever you wanted to remind us of - maybe you could summarize it for me & others w/out subscription. While I agree with you, you could alternatively open google.com and put the WSJ page n...
by brad.clarkston
Wed Jan 14, 2015 10:22 am
Forum: Personal Investments
Topic: which Brokerage do you use...why?
Replies: 48
Views: 6898

Re: which Brokerage do you use...why?

Fidelity and VG.

Fidelity's website rocks I use it for my ETF's, Life Insurance, and work 401k.
VG is for my primary holdings (only two funds VTSMX and VBMFX).


Granted I only buy new/rebalance on my birthday and I haven't used very many brokers over the years.
by brad.clarkston
Wed Jan 14, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 4970

Re: Where do you tilt your Total Int'l Fund?

About 15% of total port tilted small-cap (port is a 80/20 core4 + small cap tilt in both US/non-US)

10% VSS (All-World Ex-US Small-Cap)
5% VXUS (Total International Stock)

I am slowly rebalancing to a 20% international tilt at a 10%/10% margin in the above funds.
by brad.clarkston
Tue Jun 24, 2014 2:14 pm
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 4627

Re: Buy A New Windows Computer Now?

Wait until Sept. / Oct. when the computer sales start for the Christmas lead up.
by brad.clarkston
Thu Jun 19, 2014 10:38 pm
Forum: Personal Consumer Issues
Topic: Bluebird
Replies: 14
Views: 2442

Re: Bluebird

Kalo wrote:I presumed this was going to be about the Paul McCartney & Wings song from Band on the Run album.

Kalo
Wow that's dating oneself ... I was 3 when that was released.
by brad.clarkston
Thu Jun 19, 2014 11:05 am
Forum: Personal Consumer Issues
Topic: Bluebird
Replies: 14
Views: 2442

Re: Bluebird

I don't know anyone that uses bluebird (Wal-Mart) for anything other than pre-loading cash cards ~ get a new cc that gives 10k frequent flier miles if you charge $5k in the first 30 days - use the card to load a bluebird card (very high maximum loads) to pay for all of your normal things and get the...
by brad.clarkston
Thu Jun 19, 2014 10:59 am
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 15427

Re: Cutting the cable cord - how did you do it?

Ande if you don't mind me asking, how much does Roku cost (upfront and/or monthly charges)? Roku has no monthly charges it's a middleware company so you buy a device from them to stream other companies channels { http://www.roku.com/products/compare } without any other costs from Roku. To me the Ro...
by brad.clarkston
Thu Jun 19, 2014 10:51 am
Forum: Personal Finance (Not Investing)
Topic: 2.25% mortgage:pay off vs invest
Replies: 19
Views: 1842

Re: 2.25% mortgage:pay off vs invest

I'm not sure I see the "subjective" part of the issue, he's retired so in my mind I can't see where anything is better than being debt free.

Emergency's are far,far bigger when you do not have a disposable income.
by brad.clarkston
Sun Mar 02, 2014 8:25 pm
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 32
Views: 4731

Re: Cheap ammo

bluemarlin08 wrote:I was considering the 10/22 but hesitant with the lack of ammo.
A 10/22 is a great purchase everyone should own one and a good cheap shotgun.

I wouldn't worry about ammo it's starting to loosen up.
by brad.clarkston
Sun Mar 02, 2014 8:22 pm
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 32
Views: 4731

Re: Cheap ammo

This is really the wrong forum for ammo talks but there's plenty of it for sale online. gunbroker.com and ammoseek.com are good places to start if you haven't bought online before both have plenty of both for sale. cheaperthandirt, palmettostatearmory, natchezss, and luckygunner are normally great p...
by brad.clarkston
Thu Feb 27, 2014 5:26 pm
Forum: Personal Investments
Topic: Opinion about the funds I tilt with?
Replies: 9
Views: 966

Re: Opinion about the funds I tilt with?

If these are minor asset classes then I would go ETF due to cost unless you are ready to role everything into Vanguard (which I'm not). I hold: ISHARES S&P SmallCap 600 Value ETF - (IJS) - Small cap class - ER 0.25% Schwab International Small-Cap ETF - (SCHC) - Foreign Small cap class - ER 0.20% (te...
by brad.clarkston
Tue Feb 25, 2014 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating credit card debt?
Replies: 27
Views: 2381

Re: Consolidating credit card debt?

No, she is currently not saving, which is what stresses her the most. She has little no to emergency fund available. We live together and split everything pretty evenly. We split rent, alternate weekly grocery, even alternate on who drives (we commute to work together as we work very close by to on...
by brad.clarkston
Tue Feb 25, 2014 2:40 pm
Forum: Personal Consumer Issues
Topic: Roku - Does everything cost $$?
Replies: 27
Views: 9740

Re: Roku - Does everything cost $$?

Everything that's normally free online (abc.com, nbc.com,fox.com etc) Roku is an aggregator media server with dvr capabilities not a content provider. Almost all of this is incorrect, as far as I'm aware. I suspect that you've never owned or used a Roku. Nothing about SHB's post is incorrect, Roku ...
by brad.clarkston
Tue Feb 25, 2014 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating credit card debt?
Replies: 27
Views: 2381

Re: Consolidating credit card debt?

I've read the consolidation can/will hurt a credit score because when the consolidation company pays off the debt they also close the account. I know nothing about credit cards really, I actually only got my first one last month (age 27), and I only use it for gas and groceries and auto-debit the f...
by brad.clarkston
Fri Feb 21, 2014 11:09 am
Forum: Personal Consumer Issues
Topic: opinions on this computer
Replies: 5
Views: 1004

Re: opinions on this computer

It's fine for the stated purpose but not worth much else with the processor it has.

But like Tom_T said the price is right.
by brad.clarkston
Thu Feb 20, 2014 5:27 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8359

Re: Which Lenovo or Asus desktop computer to buy?

Yep the Thinkpad (laptop) and ThinkCentre (desktop) is business branding where Ideapad (laptop) is for home use. The "Idea" cases are not as bullet proof as the "Think" brand and not as much memory capacity but they do tend to have much better graphics for things like gaming. The "Think" brand is st...
by brad.clarkston
Thu Feb 20, 2014 12:14 am
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8359

Re: Which Lenovo or Asus desktop computer to buy?

Office 2007 is buggy I wouldn't recommend it for any higher end Excel functions, pivot tables alone work much better in 2010. I"m not a big fan of 2013 but 2010 is well worth it and cheap -- { http://www.getsoftwarekey.com/microsoft-office-2010-standard-key-p-31.html?zenid=ufneo57l717lvag1gr8pq9dla5...
by brad.clarkston
Wed Feb 19, 2014 10:44 pm
Forum: Personal Consumer Issues
Topic: Which Lenovo or Asus desktop computer to buy?
Replies: 55
Views: 8359

Re: Which Lenovo or Asus desktop computer to buy?

While I'm a big fan of Lenovo (I've bought lots of thinkpads/thinkcenter's for companies over the years it really comes down to price range. Anything in the $200-$300 range doesn't matter just get it at Wal-Mart or Best Buy (chomebooks/linux would be the best of category). Anything in the $400-$500 ...
by brad.clarkston
Thu Feb 13, 2014 9:52 am
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 8658

Re: Which Chromebook?

I've had a 720 since it first hit the market, you can sign into as many Google accounts as you want just open a new tab and click your avatar (picture in the top right hand corner) then click the add new account button and sign in with a different account. The security issue is a a moot topic since ...
by brad.clarkston
Wed Feb 12, 2014 10:42 am
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 85
Views: 40196

Re: What credit cards do you recommend?

Sorry I should have mentioned I have not setup the ibsnetaccess.com (FIA Card Service) account so the only way I can pay is through a linked Fidelity account (usbank checking to -> Fidelity WROS account to -> Fidelity Amex) there's only so much BOA I can handle so I do it the long way around. You ca...
by brad.clarkston
Tue Feb 11, 2014 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 85
Views: 40196

Re: What credit cards do you recommend?

Questions: On the Fidelity Amex, being used as a new main card for the 2%, I understand the cash rebate must be deposited into a Fidelity account. Do I need to open a Fidelity account first? I don't want another investment account (funds & stocks), but am willing to open a MMF or certificate type a...
by brad.clarkston
Sat Jan 11, 2014 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: My AMEX CC 0% promo ends 1/14, interest question
Replies: 5
Views: 507

Re: My AMEX CC 0% promo ends 1/14, interest question

You should be charged interest for the entire 25/30 day period you held a balance but as others have said it's best to call the CC company and ask.
by brad.clarkston
Fri Jan 10, 2014 11:11 am
Forum: Personal Consumer Issues
Topic: Ads by Bettersurf ...... How Can I get rid of this.
Replies: 12
Views: 1397

Re: Ads by Bettersurf ...... How Can I get rid of this.

My recommendation isn't based on what's better overall it's based on what will help you the most to remove the infection after it's clean use whatever you like the most. IE11 is fine enough but Firefox/Chrome have better java-script engine protection baked in that lets you get around some of the res...
by brad.clarkston
Fri Jan 10, 2014 9:44 am
Forum: Personal Investments
Topic: Should I open a new Vanguard account?
Replies: 7
Views: 1548

Re: Should I open a new Vanguard account?

No there's no reason I can't.

I have Fidelity's Amex CC, Joint WROS (main emergency fund), and Life Insurance so I've just been lazy since it's easy to deal with all of that from one webpage.
by brad.clarkston
Fri Jan 10, 2014 9:33 am
Forum: Personal Consumer Issues
Topic: Ads by Bettersurf ...... How Can I get rid of this.
Replies: 12
Views: 1397

Re: Ads by Bettersurf ...... How Can I get rid of this.

Bettersurf isn't a virus it's malware but more than likely your infected with multiple things at this point and your current antivirus program is compromised. I wouldn't start with a download which would more than likely become compromised as well. Start by uninstalling your antivirus program, reboo...
by brad.clarkston
Thu Jan 09, 2014 11:49 pm
Forum: Personal Investments
Topic: Should I open a new Vanguard account?
Replies: 7
Views: 1548

Should I open a new Vanguard account?

I've had a single Fidelity account for awhile, but now I'm wondering if I should move some money over to a new Vanguard account to get access to the better lazy port funds? My current port is bad, I'm a bit hesitant to share it :) but ... I'm thinking about moving POAGX/HFCSX/PONDX/MWTRX/Cash over t...
by brad.clarkston
Thu Jan 09, 2014 9:44 am
Forum: Personal Consumer Issues
Topic: 401k.fidelity.com sucks
Replies: 13
Views: 3668

Re: 401k.fidelity.com sucks

Just log into { Fidelity.com } and go to your portfolio to get rid of any unwanted adds. The main fidelity site will get you into anything that the others will plus more. I use allot of Fido services (IRA/Roth/money market/credit card/life insurance and I've never had any major problems with the sit...
by brad.clarkston
Mon Jan 06, 2014 11:13 am
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 7214

Re: What does a Bogle TV look like?

27" picture-tube TV, old-school bulgy screen, 70 pounds, no digital inputs, purchased for the 1996 Olympics, with antenna and converter box. No "cable TV" of any kind. When there's some great HBO series like The Sopranos, I rent DVDs and watch it a year or two late. When our five-year-old grandson ...
by brad.clarkston
Fri Jan 03, 2014 8:49 pm
Forum: Personal Consumer Issues
Topic: best way to hide your personal information on work laptop
Replies: 44
Views: 6138

Re: best way to hide your personal information on work lapto

Thanks LadyGeek, this is work laptop. Also, could some one please suggest a VERY SECURE USB drive with password encryption etc, where I don't need to worry even if I lose it. Thanks. This is the best hardware encrypted stick I've found so far, it's the only thumbdrives that can be used on my networ...