Search found 501 matches

by Ducks
Thu Aug 14, 2008 7:12 pm
Forum: Personal Consumer Issues
Topic: Calling all Dress Shirt Freaks
Replies: 107
Views: 40896

Those ties are fine for a Halloween costume or a cheesy 80's retro party, but I sincerely hope he's not wearing those things to work... :roll: So what is it you don't like about them? The colors or the cut? (FWIW, he doesn't have any of those I linked earlier... his are a few years old. The ones on...
by Ducks
Wed Aug 13, 2008 9:52 pm
Forum: Personal Consumer Issues
Topic: Calling all Dress Shirt Freaks
Replies: 107
Views: 40896

Hubs has quite a few J. Garcia ties. His sister buys them for Christmas. I like them.
http://www.wildties.com/browse/novelty_ ... arcia_ties
by Ducks
Wed Aug 13, 2008 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Quicken -- redux
Replies: 46
Views: 11291

I go with the "download but verify approach". It saves a lot on data entry, especially with something like biweekly 401k purchases which is 8 transactions each time. This is what I do. I download transactions, but match them to my paper receipts. Before accepting them into the register, I code them...
by Ducks
Wed Aug 13, 2008 7:15 pm
Forum: Personal Consumer Issues
Topic: Calling all Dress Shirt Freaks
Replies: 107
Views: 40896

I buy almost exclusively Eddie Bauer wrinkle-free dress shirts for my hubs, whose office is business casual. I've purchased a couple of LL Bean and a couple of Lands End, but EB seems to fit him best (he is an XL or XXL Tall). I'm enjoying this discussion. Men's clothes confuse me, and I'm picking u...
by Ducks
Thu Jul 10, 2008 7:26 pm
Forum: Personal Consumer Issues
Topic: So why did you choose your Avatar?
Replies: 51
Views: 10947

Mine is of ducks in a row. Get it??? :lol:

An aside - I had a really hard time making my avatar. 8kb is WAY too difficult to obtain. 15 would be so much nicer. 8)
by Ducks
Tue Jul 01, 2008 5:18 pm
Forum: Investing - Theory, News & General
Topic: Europe may push the Fed to raise rates
Replies: 21
Views: 3326

SmallHi wrote:Thats a bull indicator if I've ever heard it...
I hope to heck you're right! :D
by Ducks
Tue Jul 01, 2008 3:11 pm
Forum: Investing - Theory, News & General
Topic: Europe may push the Fed to raise rates
Replies: 21
Views: 3326

My dad (a DFA investor) sent me this article on Friday with a note that said, "Falling tides lower all ships." http://www.telegraph.co.uk/money/main.jhtml?xml=/money/2008/06/27/cnbarclays127.xml He thinks that neither stocks nor bonds will be good investments for 'the foreseeable future.' I don't kn...
by Ducks
Sun Jun 29, 2008 9:53 am
Forum: Personal Investments
Topic: Solo 401k
Replies: 21
Views: 5875

ezeiza - Thanks for sharing your information. "September" is encouraging. I will hang tough until then and see what happens. If they don't do anything, I'll have to go with TRP or Fidelity.
by Ducks
Fri Jun 27, 2008 10:28 am
Forum: Investing - Theory, News & General
Topic: "The Smartest 401(k) Book You'll Ever Read"--A Gem
Replies: 27
Views: 8548

Thanks for posting this, Taylor. This sounds like a great book.

Now if only I could get TPTB at my husband's company to read it...!!
by Ducks
Wed Jun 25, 2008 2:44 pm
Forum: Personal Investments
Topic: VG Energy - time to hop off?
Replies: 19
Views: 4095

I am in a similar position as Robin, but with two individual energy stocks ( EOG and COP ). They are both in a taxable account, and together make up about 12% of our total portfolio. EOG has gains of 756%. COP has gains of 194%. I don't know what to do with these. I suppose this is where an IPS woul...
by Ducks
Wed Jun 25, 2008 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Extreme de-cluttering
Replies: 70
Views: 14802

Victoria - Did you see this thread about Organizing Financial Paperwork? It looks like quite a few people there file electronically ... You might want to copy/paste your request there?

If you get a great system going, I hope you'll let me know what it is! :)
by Ducks
Wed Jun 25, 2008 10:10 am
Forum: Forum Issues and Administration
Topic: Mark Forums Read
Replies: 1
Views: 1481

Mark Forums Read

Is there a way to put the "Mark Forums Read" link on the "View New Posts Since Last Visit" page? That would be s really convenient feature. :)
by Ducks
Tue Jun 24, 2008 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Satellite TV vs cable
Replies: 32
Views: 5477

We're considering switching as well. I just got a flyer in the mail from Qwest advertising "Introductory Pricing" of $65/month for internet, phone, and DirectTV. Sounds pretty good. Currently paying $140 for that with Comcast. Unclear how long the introductory pricing lasts, or other fine print beca...
by Ducks
Mon Jun 23, 2008 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Organizing Financial Paperwork
Replies: 18
Views: 3480

Organizing Financial Paperwork

Inspired by the "Decluttering" thread, I would like to hear how you all organize your financial paperwork... both digital 'paper'work and hard copies. Maybe you keep 3-ring binders? A file drawer? A 6' tall disorganized pile? Do you back up onto CDs and keep them in a fire safe? Do you use an online...
by Ducks
Sun Jun 22, 2008 11:12 pm
Forum: Investing - Theory, News & General
Topic: Book on great Depression?
Replies: 13
Views: 4512

Not a book, but PBS had a documentary series on the Depression back in the 90's. I can't find it to buy/rent (if you find it, let me know), but I found it on IMDB: http://www.imdb.com/title/tt0247103/ I also found this, which gives a link to an excerpt: http://documentary-films.tv/film_depression.ht...
by Ducks
Fri Jun 20, 2008 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme de-cluttering
Replies: 70
Views: 14802

I hope you book lovers don't get me wrong. I love a good book. We have bookshelves full of books too. I don't think it's bad to "have many books," ... I only think it is a bit wasteful to buy a book because you'd like to read it once (waste of money)... or keep a book that you know you will never op...
by Ducks
Fri Jun 20, 2008 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Extreme de-cluttering
Replies: 70
Views: 14802

JG - you might contact the libraries you are considering donating to... they probably have many requests like yours and good ways to deal with them. Perhaps they have worked out a deal with a carrier. The post office has media mail... but even then it's probably a lot of money.
by Ducks
Fri Jun 20, 2008 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Questions on getting married
Replies: 21
Views: 4607

OK you know what? I take back my earlier advice about her savings. If your fiance is planning on leaving the workforce in a few years to raise children, my advice is to use the $24k to live on, and increase her 401(k) contributions to the maximum $15,500. I would do this every year until she leaves ...
by Ducks
Fri Jun 20, 2008 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Questions on getting married
Replies: 21
Views: 4607

I think when two people are of similar age & financial background -- frex Duke has more earning power, but fiance brings an annual windfall and future windfall potential -- it makes sense to join finances. That becomes even more true when one of the partners will leave the workforce to raise childre...
by Ducks
Fri Jun 20, 2008 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Questions on getting married
Replies: 21
Views: 4607

Duke - Depending on how long your engagement will be, I might suggest CD's or a MMF for your down payment money. Something safe that will be earning interest. You are in a great position. Everybody in the RE biz is looking for buyers with cash & good credit right now. Use that to your advantage, and...
by Ducks
Thu Jun 19, 2008 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on getting married
Replies: 21
Views: 4607

My opinion would be different for different people in a different situation... but since you are both young and have similar pre-marriage assets, I think your finances should be completely separate before marriage, and completely joined after marriage. I might suggest renting in the new town until y...
by Ducks
Thu Jun 19, 2008 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme de-cluttering
Replies: 70
Views: 14802

Re: "It's All Too Much"

Hi Pete: As a result of your post, I ordered the book from Amazon. Thank you and best wishes. Taylor I hope you sell it to a used book store when you're done with it so it doesn't clutter up your house. :lol: Not to pick on you, Taylor, but I find it astonishing how many of us (me included!) run to...
by Ducks
Thu Jun 19, 2008 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Bloomberg 401(k) Hidden Fees
Replies: 3
Views: 1485

This makes me wish I'd paid for the expensive cable. :P
by Ducks
Wed Jun 18, 2008 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme de-cluttering
Replies: 70
Views: 14802

My husband and I successfully decluttered before we were married. We do not have <100 things, but the things we do have are fairly organized and uncluttered. I could write PAGES and PAGES about hoarding, decluttering, and stress over clutter, but I wouldn't want to clutter up this thread. ;) I alway...
by Ducks
Wed Jun 18, 2008 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: OT: Best Book For Cardiac Health
Replies: 6
Views: 1540

You could try the book "You: The Owner's Manual" by Oz & Roizen. Check it out at your library to make sure it's what you want... but it's a pretty good/easy read.
by Ducks
Wed Jun 18, 2008 8:56 pm
Forum: Investing - Theory, News & General
Topic: Taxes and winning a large lottery prize
Replies: 19
Views: 3962

I've only bought 1 lottery ticket ever. I was having such a weird week... a lot of crazy "OMG I can't believe that just happened!" things were happening to me, and I thought if there was a time to buy a lottery ticket, that was it. I lost. Owell. Some of you who say it's a tax on poor people... you ...
by Ducks
Wed Jun 18, 2008 11:20 am
Forum: Investing - Theory, News & General
Topic: Taxes and winning a large lottery prize
Replies: 19
Views: 3962

modal wrote:Was that the one where they had the financial dude who was giving people lump sums on various items... lottery winnings, annuities, life insurance payouts, trusts, etc?
Yep. Pretty interesting.
by Ducks
Wed Jun 18, 2008 12:00 am
Forum: Investing - Theory, News & General
Topic: Taxes and winning a large lottery prize
Replies: 19
Views: 3962

Apparently winning the lottery is not all it's cracked up to be in more ways than one. There was an interesting story in This American Life a while back about lottery winners.

http://www.thislife.org/Radio_Episode.aspx?episode=329
by Ducks
Tue Jun 17, 2008 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: OT: Recommendation for a paper shredder
Replies: 23
Views: 5032

I have a Fellowes shredder that we got at Office Depot for about $100. It works great. One thing that the salesman told my mom (who gave the shredder to me for my bday - I asked for it ;)) was that you need to oil it quite often to keep it from jamming. The shreds produce paper dust which clogs the ...
by Ducks
Mon Jun 16, 2008 10:06 pm
Forum: Investing - Theory, News & General
Topic: "Is Your Portfolio Diversified?"
Replies: 3
Views: 1384

Thanks for posting this. I didn't realize Vanguard had a podcast! More to listen to while I'm pushing the stroller around my neighborhood.
by Ducks
Thu Jun 12, 2008 10:40 pm
Forum: Investing - Theory, News & General
Topic: Need list of bad econ. news for car negotiation
Replies: 40
Views: 6031

Re: Car Buying

Hi, I hope you accept this as a suggestion that might help. Women in my experience do poorly when try to negotiate with dealers. I would bring a man along who can try to do some hard negotiating for you. Not sure it will do any good but might be worth a try. Dan-Fl heheheh. When we went to deal on ...
by Ducks
Tue Jun 10, 2008 7:06 pm
Forum: Personal Investments
Topic: Flexible Premium Adjustable Life Insurance Policy
Replies: 4
Views: 1858

Thanks to you both for your responses.

Lynn, thank you for letting me know that the gains are ordinary income. That info alone is enough to make me not want to do anything drastic until at least 2009.

Where do I find a CLU? Are they employed by insurance companies, or are they independent?
by Ducks
Tue Jun 10, 2008 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Electric Lawn Mowers?
Replies: 12
Views: 4544

We have a cordless electric lawn mower and it works great. We don't have a big lawn though.
by Ducks
Mon Jun 09, 2008 7:47 pm
Forum: Personal Investments
Topic: How do you keep up with the ever-changing tax laws?
Replies: 12
Views: 3206

Thanks for additional inputs. Maybe I should write up a wiki page about where to go for tax news. That's a great idea. :) I often wonder where to go to find out if we're doing everything we could be to minimize taxes. The Wiki would be a great place to start. Any idea when the IRS updates the "What...
by Ducks
Thu Jun 05, 2008 10:50 pm
Forum: Personal Investments
Topic: Flexible Premium Adjustable Life Insurance Policy
Replies: 4
Views: 1858

Flexible Premium Adjustable Life Insurance Policy

My husband has one of these $150,000 policies. He has had it for 20 years, and it is currently worth about $60k. The maturity date is in 2059. We have other life insurance and I'm not sure we need this policy any more. Can anybody think of any reason we should keep it? His mother has graciously been...
by Ducks
Thu Jun 05, 2008 10:23 pm
Forum: Investing - Theory, News & General
Topic: Equity in American homes fall to historic low,hard to fathom
Replies: 37
Views: 6502

Dale_G wrote:The days of using a home for a piggy bank are probably over for the next 15 years.
I hope to heck it is A LOT longer than 15 years.
by Ducks
Thu Jun 05, 2008 10:19 pm
Forum: Investing - Theory, News & General
Topic: 401(k) Company Match Question
Replies: 11
Views: 2496

The company contributes once annually, in march of the following year, for the previous year's employee contributions. So what goes in in December is fine. Unfortunately ;), 15,500 is more than 6% of Husband's salary so either way we'd have been fine. It is good to have the reminder, though. Everyon...
by Ducks
Thu Jun 05, 2008 9:20 pm
Forum: Personal Investments
Topic: Solo 401(k) help
Replies: 16
Views: 2557

mh1 - there is another thread here you may be interested in reading: http://www.bogleheads.org/forum/viewtopic.php?t=17637&start=0&postdays=0&postorder=asc&highlight= I have a situation similar to yours; I do some side work and I am not covered by an employer plan (I am mostly a Stay-at-home Mom). M...
by Ducks
Wed Jun 04, 2008 9:45 pm
Forum: Forum Issues and Administration
Topic: Morningstar Gone?
Replies: 98
Views: 36125

Do the Morningstar forums have an RSS feed? If so, add them both to your favorite RSS reader. Google Reader works great.

http://www.google.com/reader/
by Ducks
Wed Jun 04, 2008 9:10 pm
Forum: Investing - Theory, News & General
Topic: 401(k) Company Match Question
Replies: 11
Views: 2496

I wanted to thank you all for your responses. I was hoping I'd understood it incorrectly all these years, but we will be happy with whatever 'free' money we do get. In any case, the question was more academic than practical, as we max out the 401(k). But I am working on a spreadsheet to compare fund...
by Ducks
Wed Jun 04, 2008 12:13 pm
Forum: Personal Investments
Topic: Make a plan and stick with it?
Replies: 27
Views: 6036

It may help if you can identify whether your fear is intellectually based or emotionally based. The mechanisms to overcome the fear are different for each. For example, if intellectual, you could make a spreadsheet and evaluate a multitude of scenarios, read more books or revisit your plan's origin...
by Ducks
Tue Jun 03, 2008 6:49 pm
Forum: Personal Investments
Topic: Make a plan and stick with it?
Replies: 27
Views: 6036

Thanks for posting that, Al. I feel just like you do. I have a plan, but pulling the trigger on my plan is very scary, because my plan calls for what feels like a lot of money to me being put in VG's All-World Ex-US fund, and to buy that much of one thing scares me for some reason, even though I kno...
by Ducks
Sun Jun 01, 2008 6:30 pm
Forum: Forum Issues and Administration
Topic: Morningstar Gone?
Replies: 98
Views: 36125

Wow. Sometimes you avoid the simplest solution, eh? The only downside to this is having to go to each subforum separately. I think I'll start doing that. Actually... you don't need to do that either. Just bookmark this page, which will give a list of all posts since your last visit regardless of wh...
by Ducks
Sun Jun 01, 2008 5:01 pm
Forum: Investing - Theory, News & General
Topic: 401(k) Company Match Question
Replies: 11
Views: 2496

401(k) Company Match Question

My husband's company matches "Fifty Cents on the dollar up to 6% of salary." So I'm wondering which of these you think this means: - If you make 100,000 that they will contribute $6,000 (6% of your salary) if you put in $12,000? - Or does it mean if you put in 6% of your salary ($6,000 if you make $...
by Ducks
Sat May 31, 2008 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Whats been your favorite commercial marketing ploy?
Replies: 18
Views: 4985

Jack in the box Sirloin vs. Angus commercials make me LOL. :lol:

http://www.youtube.com/watch?v=Mx5DPi7GtcM

http://www.youtube.com/watch?v=8D4D5x-b62E

Yes, I have the sense of humor of a twelve-year-old boy.
by Ducks
Thu May 29, 2008 9:32 am
Forum: Personal Finance (Not Investing)
Topic: My "ultimate" credit card portfolio plan
Replies: 28
Views: 7917

An FYI ... We had a Diamond Prefered Citibank Mastercard. Thanks to this thread I saw that the Driver's Edge card was a better card for us. I called up Citibank, and they converted our rewards program from the Diamond over to the Driver's Edge card without requiring us to sign up for a new account. ...
by Ducks
Wed May 28, 2008 3:13 pm
Forum: Investing - Theory, News & General
Topic: What do you use to manage your portfolio?
Replies: 46
Views: 12456

So, those of you with awesome spreadsheets... I feel like you're holding out on me. All of you except Gummy anyway. How about sharing those sheets around? ;) I keep my accounts updated in Quicken, which leaves a lot to be desired. I use an Excel spreadsheet for rebalancing. My rebalancing spreadshee...
by Ducks
Tue May 27, 2008 7:05 pm
Forum: Investing - Theory, News & General
Topic: ER Comparison Spreadsheet Help
Replies: 5
Views: 1965

Not yet. I haven't quite figured out how to make the math work. :oops: I'm frustrated with Excel 2007. It's sooo different from the OfficeXP version, and I'm having trouble figuring out the nuances of the new program. Every time I try to fix the formula I get caught up in formatting issues and start...
by Ducks
Tue May 27, 2008 1:22 pm
Forum: Investing - Theory, News & General
Topic: ER Comparison Spreadsheet Help
Replies: 5
Views: 1965

In case anybody else wants to fiddle with this spreadsheet, I've uploaded a draft to my webspace. It is an Excel 2007 file with the .xlsx extension. If there is interest I can re-format it for other versions of Excel.

Fund Comparison Spreadsheet
by Ducks
Tue May 27, 2008 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Planning on buying a car
Replies: 16
Views: 4343

I have a few people in my family who have driven Subarus upwards of 200k miles. I purchased one in 2006. It is not a Sedan, but a wagon. We have been *very* happy with it. We drive it over mountain passes in the winter time and it does great. The civics & accords are spinning their wheels on the sid...