Search found 501 matches

by Ducks
Tue Nov 11, 2008 11:03 pm
Forum: Personal Investments
Topic: Naive for buying VIPSX
Replies: 37
Views: 11506

Nispirius - $100 minimum purchase according to http://www.treasurydirect.gov/instit/marketables/tips/tips.htm But you need to wait for an auction at TD, right? So you wouldn't be reinvested in TIPS until there was an auction that was selling the TIPS you wanted. Right - I think that's what I was sa...
by Ducks
Tue Nov 11, 2008 7:54 pm
Forum: Personal Investments
Topic: Naive for buying VIPSX
Replies: 37
Views: 11506

Nispirius - $100 minimum purchase according to http://www.treasurydirect.gov/instit/marketables/tips/tips.htm (scroll down to "at a glance") DavidA - Thank you for bringing up this topic, as it is timely for me as well. I went with VIPSX in my TIRA and have been second guessing myself, wondering if ...
by Ducks
Tue Nov 11, 2008 6:50 pm
Forum: Personal Investments
Topic: Naive for buying VIPSX
Replies: 37
Views: 11506

Also, and correct me if I'm wrong, if you get a interest payment of $157.23, you can only reinvest $100.00 of that (assuming you are present to buy more TIPS) because TIPS are sold in $100 increments. The other $57.23 has to go somewhere else.
by Ducks
Tue Nov 11, 2008 6:02 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 474
Views: 351615

I suggest a list of boglehead recommended podcasts. I'd be happy to create a list if others also think this is a good idea.
by Ducks
Tue Nov 11, 2008 12:01 pm
Forum: Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 247
Views: 68511

Thanks for your input, Livesoft. I've no doubt I'll need to come up with $3k for each fund to get back in, which isn't a problem.
by Ducks
Mon Nov 10, 2008 7:02 pm
Forum: Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 247
Views: 68511

Another TLH question ... So far in 2008, we have Short term gains of $531 and Long term gains of $1798 for a total of $2329. Last May, I stuck $3k in VG TSM and another $3k in VG All world ex-US with the intention of buying more, but then everything started shaking and I got too nervous. TSM is now ...
by Ducks
Mon Nov 10, 2008 12:26 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

Bearwolf - I am a part-time sole proprietor. No employees for me. I hope to sock away my entire net earnings of about $16k. It'll be a while before I hit this $250,000 limit and have to deal with Form 5500. ;) At this time I am leaning toward going with Vanguard, and keeping the # of funds to a mini...
by Ducks
Sat Nov 08, 2008 7:57 pm
Forum: Investing - Theory, News & General
Topic: Suggestion for site
Replies: 5
Views: 1438

Marianna - Here is a recent thread on podcasts ... lots of great stuff here. I am especially enjoying the "Planet Money" podcast lately. But if you decide to listen to that one, I suggest " The Giant Pool of Money " and " Another scary hour about the economy " before you start downloading the Planet...
by Ducks
Sat Nov 08, 2008 7:40 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

Thanks for the suggestions/fixes, bearwolf & TFB. I've added them. http://spreadsheets.google.com/ccc?key=p04wtoXPqsUbnsxMk9ruhfA Bearwolf - does online 401k have additional admin fee for part time employees as well? I tried to add them onto my spreadsheet earlier but got confused by their website, ...
by Ducks
Sat Nov 08, 2008 11:35 am
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

I'm working on a spreadsheet comparing Solo 401(k) offerings from different companies. If anybody knows the answer to any of the boxes I have ?'s in, or suggestions for improvement, I hope you'll let me know either in this thread or via PM. http://spreadsheets.google.com/ccc?key=p04wtoXPqsUbnsxMk9ru...
by Ducks
Sat Nov 08, 2008 12:12 am
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

Has anybody looked at ING's Sharebuilder Solo 401(k)? Their expense ratios seem pretty good, and they will allow other employees in their "Two to Ten" plan.

http://www.sharebuilder401k.com/
by Ducks
Fri Nov 07, 2008 11:59 pm
Forum: Personal Consumer Issues
Topic: MS Money - Do you like it?
Replies: 11
Views: 2592

aainvestor & tfb - Hrm - it is sounding more and more like MS Money will make my problems worse rather than better. PaPaw - It sounds like you use Quicken for about the same things I do. Tony - I'm currently using 2008 and don't plan on upgrading to 2009. I'll either upgrade when they give me featur...
by Ducks
Fri Nov 07, 2008 6:03 pm
Forum: Personal Consumer Issues
Topic: MS Money - Do you like it?
Replies: 11
Views: 2592

I do plan to download the MS Money demo, but I think opinions from people who have used the program over a long period of time are sometimes more valuable than a 30-day demo. So I appreciate everyone's input. :) My first major beef with Quicken is how it assigns Asset Classes to my mutual funds. I h...
by Ducks
Thu Nov 06, 2008 8:20 pm
Forum: Personal Consumer Issues
Topic: MS Money - Do you like it?
Replies: 11
Views: 2592

MS Money - Do you like it?

I have been using Quicken to do our finances since 2005. I like it okay for its general uses (balancing/reconciling accounts, reports, tracking spending), but the investment & retirement planning side of the program is pretty terrible. So I'm wondering if MS Money is any better. Anybody use it? If s...
by Ducks
Tue Nov 04, 2008 11:51 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

Ugh, yes. Very disappointing. :( Now I get to go back to weighing VG, Fido, and TRP ...

Thanks for keeping us updated, Bearwolf. I'm sure I would've missed it. I'm not even sure how to get to that link without clicking the one in your post.
by Ducks
Wed Oct 29, 2008 9:38 pm
Forum: Investing - Theory, News & General
Topic: Your Perfect 401(k)
Replies: 15
Views: 4220

Re: Your Perfect 401(k)

Why should there be any maximum? Because many people would sock away more than $20,500 annually if they could. I'm not familiar with the Thrift Savings Plan. Does it include a TIPS fund? The TSP does not have a TIPS fund specifically, but it does have a "G-Fund" which is the Government Securities I...
by Ducks
Wed Oct 29, 2008 6:30 pm
Forum: Investing - Theory, News & General
Topic: Your Perfect 401(k)
Replies: 15
Views: 4220

Your Perfect 401(k)

Here's my perfect 401(k) plan. What's yours? ----- 1) All wage-earners shall become eligible for the Thrift Savings Plan (TSP). 2) All companies shall deposit at least X% (3? 5?) of their employees' salary into a TSP account for the employee, regardless of whether the employee puts any of his or her...
by Ducks
Tue Oct 28, 2008 11:02 am
Forum: Investing - Theory, News & General
Topic: Movement to Scrap 401(k)s Gain Traction
Replies: 1
Views: 784

Movement to Scrap 401(k)s Gain Traction

Article from ABC News:
http://abcnews.go.com/Business/Personal ... 417&page=1

I'm starting to think it's not a bad idea. Think of all the boomers out there who are uneducated and don't know any better. I personally know someone who was retired and 100% in equities. Yikes.
by Ducks
Tue Oct 28, 2008 10:52 am
Forum: Personal Consumer Issues
Topic: Furniture
Replies: 51
Views: 11359

We looked and looked and looked for furniture. I am very short while my husband is very tall, and it was important to find something that was comfortable to both of us. We bought two Flexsteel couches and we couldn't be happier. Bought the two for $1200. I have a friend who is an interior designer &...
by Ducks
Fri Oct 24, 2008 7:15 pm
Forum: Investing - Theory, News & General
Topic: Husband is losing it.
Replies: 33
Views: 8486

It's the opposite for me. I am so conservative, I squeak when I walk. Who ever thought a finance forum would be so funny. I laugh every time I come here. :lol: InvestingMom, I wish you luck. Please let us know how things progress. I can imagine how it feels for you to have a plan and then for your ...
by Ducks
Thu Oct 23, 2008 12:32 pm
Forum: Investing - Theory, News & General
Topic: Greenspan - 'Once in a century' financial crisis
Replies: 28
Views: 4714

snowman9000 wrote:Alan "Bubbles" Greenspan.
hehehe. :)
by Ducks
Tue Oct 21, 2008 9:29 pm
Forum: Personal Investments
Topic: Best gift for small children (not mine) in family
Replies: 21
Views: 3081

My child is 20 months old. She thinks the best toy in the world is an old cell phone that doesn't have a battery. ;) Seriously - if aunts/uncles would all save the $20 on some plastic toy from China and instead direct that $ to her 529 plan, she'd be way better off. Grandparents... well, you can't t...
by Ducks
Tue Oct 21, 2008 9:11 pm
Forum: Personal Investments
Topic: Best gift for small children (not mine) in family
Replies: 21
Views: 3081

I wish that for her birthday all relatives would only give 529 money to my kid. I don't think it's a boring gift. I think it's very practical. :)
by Ducks
Tue Oct 21, 2008 1:42 am
Forum: Investing - Theory, News & General
Topic: Anybody unable to get credit?
Replies: 71
Views: 13429

Stratton - I think you are right about that. We were approved for what I think is an awfully big loan today. No trouble getting credit here.
by Ducks
Sun Oct 19, 2008 10:51 am
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 46
Views: 12357

Do you get the Fund Advice podcast via iTunes? I couldn't find it. Finance: Marketplace Marketplace Money Planet Money Bloomberg on the Economy Non-Finance: KUOW Weekday The Moth This American Life PRI Selected Shorts NPR StoryCorps NPR This I Believe NPR Most Emailed Stories I don't always listen t...
by Ducks
Sun Oct 19, 2008 10:27 am
Forum: Personal Consumer Issues
Topic: Bread Baking
Replies: 43
Views: 9669

I would love to bake my own bread. I have a sourdough starter from King Arthur Flour that I'm sure I've killed by now (It has sat in my fridge in a crock for about a year now). I'm just not sure I'm doing it right. I have looked and looked for a Bread Baking Class, but have come up empty. Will be wa...
by Ducks
Sun Oct 19, 2008 12:48 am
Forum: Personal Consumer Issues
Topic: JACK BOGLE'S NEW BOOK GIVEAWAY
Replies: 163
Views: 32391

Enter me in the drawing.

Thank you!
by Ducks
Wed Oct 15, 2008 9:52 pm
Forum: Personal Consumer Issues
Topic: What's your hobbies besides investing?
Replies: 102
Views: 20654

In no particular order: Gardening, Walking for exercise, playing XBox 360 or Wii, making wheelthrown pottery (though haven't done that in a while), cross stitch, crossword puzzles, home improvement projects, and chasing after my toddler. Someone else mentioned bridge... I used to love to play on The...
by Ducks
Wed Oct 15, 2008 6:03 pm
Forum: Investing - Theory, News & General
Topic: Anybody unable to get credit?
Replies: 71
Views: 13429

We are considering buying a new house. I called our local credit union. They've called me twice now trying to set up appointments to get us to come in. The gal said they're still offering 100% financing (!!) on mortgages.
by Ducks
Sun Oct 12, 2008 1:02 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

I think you two are right, but it's too bad. I'm ready to go. I guess it doesn't matter TOO awfully much, as long as they enable us to make contributions before December 31. It's not like the market is going to shoot back up to previous levels before then (yes, I do have a crystal ball, why do you a...
by Ducks
Sun Oct 12, 2008 12:21 pm
Forum: Investing - Theory, News & General
Topic: There are no more rookies on this forum today
Replies: 33
Views: 7105

This is my first crash. I am 35, hubs is 42. I came to this forum back in April of 2008, with a plan to be a Boglehead. I still believe in this theory, and I know that eventually we will get to Boglesville, but we are not there yet. It's scary to be in transition during this tumultuous time. Earlier...
by Ducks
Thu Oct 09, 2008 3:23 pm
Forum: Personal Consumer Issues
Topic: Home Theater systems
Replies: 35
Views: 8598

It could be, but you're one wrecked hard drive or careless "delete" command away from losing those movies/music... Not really. Through the netflix sub, you can download them as often as you like. I do hear you, though; I do buy favorite media. But I do not have my very own library with thousands of...
by Ducks
Thu Oct 09, 2008 10:06 am
Forum: Personal Consumer Issues
Topic: Home Theater systems
Replies: 35
Views: 8598

I'm working on a HT setup as well. We went with the XBox 360 rather than the PS3 because the XBox 360 will download HD movies through your Netflix subscription, negating the need for a blu-ray player and costly media. (IMO, buying media is a sucker's game). You will need a XBox Live Gold at $50/year...
by Ducks
Thu Oct 09, 2008 9:30 am
Forum: Investing - Theory, News & General
Topic: Good things are coming.
Replies: 25
Views: 5022

Re: Good things are coming.

jh wrote:Video games -- Diablo 3 and a new Star Craft are coming out?? OMG, yes! I've been waiting for years.
Don't forget about Fallout 3 and Marvel Ultimate Alliance 2. :D
by Ducks
Thu Oct 02, 2008 7:07 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

Awesome news, jandl. Thank you for updating!
by Ducks
Thu Oct 02, 2008 5:11 pm
Forum: Personal Investments
Topic: CD Ladder through Vanguard?
Replies: 6
Views: 2092

dm200 - Thank you for this info. It makes sense. So if I want to renew, I just need to do so manually? Bozo - My plan is to open a 12-month CD every month for the next 12 months. They will be our emergency fund -- $3k in each of them should cover pared-down monthly expenses. I think rates are going ...
by Ducks
Thu Oct 02, 2008 2:07 am
Forum: Personal Investments
Topic: CD Ladder through Vanguard?
Replies: 6
Views: 2092

CD Ladder through Vanguard?

I'm going to be starting a CD ladder. I would like to go with a company I'm already doing business with if it makes sense to do so. Out of the 3 I work with now, Vanguard is offering the best 12-month CD rate at 3.85%. But if I'm reading this right, they charge $30 when you redeem them? Does "redemp...
by Ducks
Sat Sep 13, 2008 4:51 pm
Forum: Personal Investments
Topic: 401k links and suggestions
Replies: 11
Views: 12264

Awesome, Paul & Tim. Great work, as usual!!
by Ducks
Mon Sep 08, 2008 8:17 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

Optical - yes and yes. ;)

For me, I already have an account with VG, so I don't want to open up an account with Fidelity and deal with yet another investment company. I'd rather deal with just one company. So I will wait until VG rolls out their plan... as long as that happens in 2008.
by Ducks
Fri Sep 05, 2008 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Upgrade Question
Replies: 3
Views: 1099

Agreed - I am not upgrading to Q09 either. It annoys me that they've released it with no significant upgrades, especially when the investment analysis area can use huge improvements. Maybe in 2010. I upgraded to 2008 for 529 tracking, otherwise I'd still be using 07. I also enjoy some of the new bud...
by Ducks
Thu Aug 28, 2008 9:41 am
Forum: Personal Consumer Issues
Topic: I found yet another reason to love Vanguard (podcast thread)
Replies: 19
Views: 5053

I love podcasts. They are incentive for me to get out and exercise. I listen while I push my baby around the neighborhood in her stroller. Usually for an hour, but if she falls asleep I'll go for 2. I listen to Marketplace, Marketplace Money, This American Life, The Moth, and a local show called Wee...
by Ducks
Wed Aug 27, 2008 7:01 pm
Forum: Personal Consumer Issues
Topic: I found yet another reason to love Vanguard (podcast thread)
Replies: 19
Views: 5053

For those who like This American Life ... check out The Moth podcast. Some stories are better than others, but "LOL" by Adam Gopnik really did make me LOL.

http://odeo.com/episodes/22475871-Adam-Gopnik-LOL
by Ducks
Tue Aug 26, 2008 9:05 am
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

If your kids are not earning a lot of money from your business, I might offer to set up traditional IRAs for them and ignore the 401(k) altogether. Or would you be trying to sock away more than $5k/year for their retirement? Finding out who is eligible for what in your situation might be worth consu...
by Ducks
Mon Aug 25, 2008 5:38 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65722

I assume they didn't give you an ETA?

I'm giving them 2 more months... otherwise I'll have to deal with Fidelity and open another account at yet another financial institution, which doesn't make me happy. :/
by Ducks
Wed Aug 20, 2008 11:09 pm
Forum: Personal Consumer Issues
Topic: best desktop PC for under $1000?
Replies: 32
Views: 7271

Congrats, Jeff. I'm sure you'll be really happy with the new purchase. :)
by Ducks
Wed Aug 20, 2008 11:06 am
Forum: Personal Consumer Issues
Topic: best desktop PC for under $1000?
Replies: 32
Views: 7271

Agreed with the Dell. I have a Dell for about the same purposes with approximately the same specs as the one linked it's been working out great. If you were looking to get closer to your budget $1,000, I would make the following changes to the above linked system 4 GB RAM (add $100) 22" Monitor (add...
by Ducks
Tue Aug 19, 2008 10:23 pm
Forum: Personal Consumer Issues
Topic: Congratulations Walleye, CFA!
Replies: 33
Views: 7633

Congratulations, Walleye! :)

So what, at such a young age, got you interested in becoming a CFP?
by Ducks
Tue Aug 19, 2008 4:53 pm
Forum: Personal Consumer Issues
Topic: contest: when 10,000th boglehead? w/ chart template...
Replies: 76
Views: 20107

My guess is 11/10/08 :)
by Ducks
Mon Aug 18, 2008 3:50 pm
Forum: Investing - Theory, News & General
Topic: Employers talking about eliminating 401k match
Replies: 73
Views: 11745

Re: interesting thought

.... but the SIMPLE is so complicated... hehe. My husband has a bad 401(k). Their company is too big to qualify for a SIMPLE with 150 employees, and (I assume) not big enough for a goood 401(k) with Vanguard. It is my hope that they will change providers, but so far we haven't seen a whole lot happ...
by Ducks
Mon Aug 18, 2008 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Quicken -- redux
Replies: 46
Views: 11291

I think your problem can be solved by making the following entries. - Paycheck is added into Checking. - A transfer goes from Checking to your MM. You now have cash in your MM. - Buy shares using the "Bought" action. The cash in your MM account was used to buy the shares. Unfortunately, you cannot "...