Search found 501 matches

by Ducks
Tue May 27, 2008 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Marriage & Finance
Replies: 23
Views: 6149

Re: Marriage & Finance

Yes. Here is where I do something I have not heard anyone else doing and it is quite valuable and handy. I have a real-time budget that I implemented in a fictitious Quicken account (i.e., an account in Quicken that doesn't correspond to any real account in real life--it is just a budget tool). Inc...
by Ducks
Tue May 27, 2008 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and Finance-- how to split expenses
Replies: 18
Views: 4745

Nonnie - you are getting some great advice here. I'm glad my thread inspired you to ask the question! :)
by Ducks
Mon May 26, 2008 11:32 pm
Forum: Investing - Theory, News & General
Topic: ER Comparison Spreadsheet Help
Replies: 5
Views: 1965

Matt - thanks for looking into this for me. Since neither one of us can figure it out... I'm going to assume that this last line is inconsequential. ;) I'm planning on using this spreadsheet to convince my husband's company that ERs really do make a difference, and they really should get a better pl...
by Ducks
Fri May 23, 2008 2:38 pm
Forum: Investing - Theory, News & General
Topic: ER Comparison Spreadsheet Help
Replies: 5
Views: 1965

ER Comparison Spreadsheet Help

I found this page on how to make an Excel spreadsheet to compare expense ratios in different funds: http://www.oreilly.com/pub/h/1889 The only thing is that the very last line -- "Earnings lost due to fees and loads paid" -- there are no instructions on how to do the formula, and I can't figure out ...
by Ducks
Wed May 21, 2008 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage & Finance
Replies: 23
Views: 6149

I figured I should come back and answer my own questions. My husband is interested in personal finance. He used Quicken before we got married, and after we got married and co-mingled our finances (we have joint checking/savings/taxable acct), I took over the Quicken duties. Although we read the Bogl...
by Ducks
Tue May 20, 2008 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage & Finance
Replies: 23
Views: 6149

Marriage & Finance

There have been a couple of finance-n-marriage topics around the board lately. It makes me wonder how the average Boglehead handles their finances in relation to their marriage. No judgements; I think the situation is very much dependent on personalities. There are as many solutions as there are per...
by Ducks
Mon May 19, 2008 11:48 pm
Forum: Investing - Theory, News & General
Topic: My Personal Index - Now a Standalone Application
Replies: 184
Views: 72929

Re: My Personal Index (Excel Spreadsheet)

Nice work Matt! Very impressive. :)

Does anybody else besides me wish there was a section in the Library (or something) for user-created Excel spreadsheets?
by Ducks
Sun May 18, 2008 7:12 pm
Forum: Personal Investments
Topic: Great Article Advocating Indexing
Replies: 4
Views: 1480

Yep. That article really opened my eyes. Another thread about it here:

http://diehards.org/forum/viewtopic.php?t=16759&

(I can post links now!)
by Ducks
Fri May 16, 2008 7:28 pm
Forum: Investing - Theory, News & General
Topic: 529 Flat Fees vs. Higher ER
Replies: 5
Views: 1393

Thanks to you both. This is good info. My state has a craptastic 529 plan, which leaves the playing field wide open. A family member suggested Iowa, and having a newborn I was busy with other things, and he's a pretty smart guy, so I went with it, figuring I could change it later if I needed to. The...
by Ducks
Fri May 16, 2008 12:24 pm
Forum: Forum Issues and Administration
Topic: Build Bogleheads into a full Morningstar competitor?
Replies: 20
Views: 5351

In principal I agree, and the site's success so far definitely demonstrates your point. OTOH, it surprises me that "only" ~7400 people have found the site so far despite all it has to offer. Compare that to the numbers for mainstream financial sites that offer really crappy information. I read alon...
by Ducks
Thu May 15, 2008 7:00 pm
Forum: Personal Investments
Topic: investment help
Replies: 4
Views: 1236

NJUser - I just asked that question the other day too. :) The answers I received was to auto-reinvest dividends in tax-advantaged accounts, and take them in cash in your taxable account. See the thread linked below for reference:

http://diehards.org/forum/viewtopic.php ... highlight=
by Ducks
Thu May 15, 2008 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Wash. Post article on "Luxury Foreclosures"
Replies: 13
Views: 3877

Getting an ARM on a mortgage for a $1M+ primary residence is crazy at best. I feel very sorry for the children who have parents that are being foreclosed upon. We are in an area that is not hard-hit, but we are wanting to move to a nicer area soon. We're hoping that the River Stupid ran right throug...
by Ducks
Thu May 15, 2008 12:40 pm
Forum: Investing - Theory, News & General
Topic: 529 Flat Fees vs. Higher ER
Replies: 5
Views: 1393

529 Flat Fees vs. Higher ER

I need help with some math. I have a 529 plan for my one-year-old. There will be approximately $6,000 in it at the end of 2008. I am currently using College Savings Iowa, which is managed by Vanguard. We are using the Age-Based Savings Track B, which is currently in the Aggressive Growth Portfolio ....
by Ducks
Thu May 15, 2008 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Access to Online Documents at (E)Vanguard: Changed?Phishing?
Replies: 22
Views: 4376

linenfort - Better safe than sorry is right! You are not silly to check -- at all. Add Whois to your arsenal of tools to find out what is really going on. I found the info above by typing "whois evanguard.com" into Google. In the meantime, save all your back statements to your hard drive... cause my...
by Ducks
Thu May 15, 2008 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Access to Online Documents at (E)Vanguard: Changed?Phishing?
Replies: 22
Views: 4376

nisiprius wrote:OK, above I said I was 99.98% certain it was phishing. I'm deleting the post in which I said because now I'm only, um... 16.24% certain.
You are in So Much Trouble. :P
by Ducks
Thu May 15, 2008 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Access to Online Documents at (E)Vanguard: Changed?Phishing?
Replies: 22
Views: 4376

The Whois for voivici.com says: Vovici (formerly Websurveyor and Perseus) is the leading provider in Enterprise Feedback Management (EFM) Solutions, Web Survey Software, Online Panels, Community Management, Market Research Solutions & Customer Satisfaction (Voice of Customer) Surveys. http://whois.d...
by Ducks
Thu May 15, 2008 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Access to Online Documents at (E)Vanguard: Changed?Phishing?
Replies: 22
Views: 4376

The Whois for evanguard.com says it is registered by the Vanguard Group.

http://whois.domaintools.com/evanguard.com
by Ducks
Thu May 15, 2008 10:03 am
Forum: Investing - Theory, News & General
Topic: Bad 401k explained. Make sense?
Replies: 8
Views: 2552

Or finding a new position with a company that actually cares about the futures of its employees.
by Ducks
Thu May 15, 2008 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Access to Online Documents at (E)Vanguard: Changed?Phishing?
Replies: 22
Views: 4376

Because I'm new at this ... I have to ask this question: Is it possible to save your account statements to your computer? Do they come to you from Vanguard in .pdf form? 13 months seems to be pretty standard. None of the companies I have online statements with keep them for longer than 13 months. My...
by Ducks
Wed May 14, 2008 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help me solve a riddle...
Replies: 55
Views: 11959

Re: Help me solve a riddle...

This has got to be Alaska. Northern Alaska. ANWR or something. Clue #1) A plane with an extra letter, but not the kind that flies No idea. Clue #2) The last of his 3 Did Seward have 3 follies? Clue #3) Another word for barren. Can describe both person and place No idea. Clue #4) When considering bot...
by Ducks
Wed May 14, 2008 12:49 pm
Forum: Forum Issues and Administration
Topic: Limit the time to edit posts? (poll added)
Replies: 28
Views: 6838

Re: Please leave the way it is

Some of us may get remorse over leaving personally identifiable information (even just a name) in a post, and if spooked by an ID theft experience, we may want to redact it out. So I would like it to be kept the way it is. Because of this, if you decide to limit the time to edit, I suggest possibly...
by Ducks
Wed May 14, 2008 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Topics for a high school personal finance unit
Replies: 42
Views: 9942

The Jumpstart Coalition seems to have some pretty good resources. http://www.jumpstart.org/index.cfm Also, there was a question from a 6th grade teacher asking for ideas on a finance unit. Obviously geared toward younger kids, but you might find some good information there. Here is the link to that....
by Ducks
Tue May 13, 2008 6:09 pm
Forum: Investing - Theory, News & General
Topic: 401k admin costs
Replies: 22
Views: 5466

JHH - Thanks for starting this thread. This has been great info. I am hoping my husband's company will examine their 401(k) plan in the near future, and I hope he will either create or be a member of the committee that re-evaluates the plan! MossySF - How many employees do you have in your company? ...
by Ducks
Mon May 12, 2008 11:02 am
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65453

I hope if someone sets up a Solo 401(k) with either 401kbrokers.com or theonline401k.com, they will come back to this thread and post about their experiences. I'm inclined to wait until later in the year to choose a provider in case carlsworld is correct & Vanguard begins offering the program, but i...
by Ducks
Sun May 11, 2008 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: OT Personal Finance: Proper Wedding Gift
Replies: 44
Views: 8908

Back to etiquette, a quote from Emily Post on the matter is below: "Is there a formula for figuring out how much to spend on a wedding gift? Yes – the amount spent on the gift should be based on your affection for and relationship with the couple – or their families – as well as your budget. People...
by Ducks
Sat May 10, 2008 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: OT Personal Finance: Proper Wedding Gift
Replies: 44
Views: 8908

Re: OT Personal Finance: Proper Wedding Gift

Do any of you know the proper etiquette (amount!) for a wedding gift these days? A friend's daughter is getting married and they are having the "Full Monty" affair at a top hotel and it's black tie. This depends on a few things: - How much you can afford - What is the custom in your area (ask local...
by Ducks
Fri May 09, 2008 12:00 pm
Forum: Personal Investments
Topic: SEP IRA
Replies: 12
Views: 3651

DCA101, I apologize for hijacking your thread. I hope the answers to the questions I ask below help you too. OK here is my situation. I am have a part time job that will earn me (gross) $18k/year for Director's Fees. I have no deductible expenses aside from the Self Employment Tax. My husband has a ...
by Ducks
Fri May 09, 2008 9:18 am
Forum: Personal Investments
Topic: SEP IRA
Replies: 12
Views: 3651

Re: SEP or Solo 401K

seattlewindpig wrote:Solo 401K may be a better plan if you are the sole employee/owner.
Why is this?

I am a sole proprietor and can go either way. At first, I was interested in the Solo 401(k), as it seemed like I could invest a higher % of my earnings... but everyone I have talked to says SEP-IRA is the way to go.
by Ducks
Thu May 08, 2008 5:35 pm
Forum: Investing - Theory, News & General
Topic: What can a part time business do for me?
Replies: 5
Views: 1785

Re: What can a part time business do for me?

I'm pretty sure that if you net 5k from your business, you are allowed to contribute 40% of that 5k to your Individual 401(k), or 20% to a SEP-IRA. If one of you quit your job and made $100k in your own business, you would be able to contribute more, dollar wise.
by Ducks
Wed May 07, 2008 9:42 pm
Forum: Investing - Theory, News & General
Topic: WALMART being sued over 401k fees
Replies: 36
Views: 8940

I'm not supporting Walmart, but isn't it up to the investor to find out the ER's of these funds and to choose to invest in them if they wish? When all the funds you are offered are not good, and there are good ones out there that you are not being offered, one tends to wonder why that is. Sometimes...
by Ducks
Tue May 06, 2008 4:03 pm
Forum: Investing - Theory, News & General
Topic: Dividends & Cap Gains: Cash or Reinvest?
Replies: 6
Views: 2103

Dividends & Cap Gains: Cash or Reinvest?

What would make a person want to take capital gains & dividends in cash, versus reinvesting them? My inclination is to take them in cash in our taxable account & using them to rebalance, as it seems like doing it this way would ease the burden of figuring out Schedule D every April. In a IRA type ac...
by Ducks
Mon May 05, 2008 10:39 pm
Forum: Personal Investments
Topic: Getting Our Ducks In A Row.
Replies: 12
Views: 2653

I think I may have confused some people, including myself. There are 3 company-sponsored retirement plans. 1) Standard 401(k). 2) Profit Sharing/Pension Plan. A mix of approximately 80/20 that we have no control over how it is invested. The company puts some $ in it once/year depending on how well t...
by Ducks
Mon May 05, 2008 9:48 pm
Forum: Personal Investments
Topic: Getting Our Ducks In A Row.
Replies: 12
Views: 2653

tfb - Through diligent saving over 15 years. The returns haven't been too bad, really, but I'm sure we'd have done better elsewhere during that same time period. Given that my husband will probably retire from this company 20+ years from now, we are hoping they will get a better plan. Easy Rhino - T...
by Ducks
Sun May 04, 2008 9:02 am
Forum: Personal Investments
Topic: ESA for infant HELP
Replies: 15
Views: 3681

Re: ESA for infant HELP

In celebration of my son's birth, my uncle generously gave him a 2000$ check made payable to Vanguard for his future education. Thing is we've never invested before so we're a little lost. What's the difference between all these ESA funds? We're almost tempted to pick one blindly but we don't want ...
by Ducks
Sat May 03, 2008 11:13 pm
Forum: Personal Investments
Topic: Getting Our Ducks In A Row.
Replies: 12
Views: 2653

Easy Rhino - Thanks so much for your response. I can see why the "Pension" is confusing. I have renamed it in my post directly above yours to be "Profit Sharing Plan," as that is a more fitting description. It is in a brokerage account and the payout is dependent on the whims of the investments. I a...
by Ducks
Sat May 03, 2008 3:56 pm
Forum: Personal Investments
Topic: Getting Our Ducks In A Row.
Replies: 12
Views: 2653

Thanks PiperWarrior. :) You have given me a lot to digest. So much that it has taken me over a week to write this post! After discussing with my husband at length, we have decided that we definitely need to dump the mutual funds in our taxable account... but we need to phase out the individual stock...
by Ducks
Thu May 01, 2008 2:40 pm
Forum: Personal Investments
Topic: Are there any good 401Ks?
Replies: 28
Views: 5123

The fund advice website has a "sample letter to Trustees" that can be used as the basis for a letter to a company 401k. The letter is at the bottom of this link/page: http://www.fundadvice.com/401k-help/401k-plans/401k-page-three.html good luck Leonard, this is awesome. More than I could've hoped f...
by Ducks
Thu May 01, 2008 2:23 pm
Forum: Forum Issues and Administration
Topic: List of Watched Threads?
Replies: 6
Views: 2541

I can't figure out how to mark all forums as read in SubSilver... but in Simple Gray it's up there underneath View Posts Since Last Visit. But Simple Gray does not have (as far as I can tell) a way to "View Your Posts" ... which is in that same upper-right area as "Mark All As Read" in SubSilver. Ar...
by Ducks
Thu May 01, 2008 9:38 am
Forum: Personal Finance (Not Investing)
Topic: what does your profile name mean?
Replies: 62
Views: 14285

Every time I use this forum, it is because I am thinking about how to best get our Ducks in a row. Nicely aligned ducks make me happy. ;)
by Ducks
Thu May 01, 2008 9:33 am
Forum: Forum Issues and Administration
Topic: List of Watched Threads?
Replies: 6
Views: 2541

Thanks mikenz. :D Our ducks were all present before 2008; now we're just getting them lined up. I suppose in 2009 my sig won't be quite as funny, but on the other hand, it'll make me look like I have some longevity.
by Ducks
Thu May 01, 2008 9:30 am
Forum: Personal Investments
Topic: Are there any good 401Ks?
Replies: 28
Views: 5123

My husband is interested in drafting a letter to his company showing them why their 401(k) is bad, where they could go to find a new one, and why this would be good for everyone, and yes I am willing to do the legwork to get us there. The subject is so big, however, that I don't even know where to s...
by Ducks
Wed Apr 30, 2008 5:15 pm
Forum: Forum Issues and Administration
Topic: List of Watched Threads?
Replies: 6
Views: 2541

List of Watched Threads?

I notice that different themes offer different capabilities. Is there a theme that offers a list of currently watched threads?
by Ducks
Tue Apr 29, 2008 1:46 pm
Forum: Forum Issues and Administration
Topic: Admin EZ Site Question
Replies: 9
Views: 4318

Interesting! Thanks for the tip... I'll try it, although I like the other layout a bit more (what a picky little rat, huh!?!) :lol: RTR You could also use this link: http://diehards.org/forum/search.php?search_id=newposts I use that link, open the threads I am interested in in new tabs, navigate ba...
by Ducks
Tue Apr 29, 2008 12:24 pm
Forum: Personal Investments
Topic: Save a Marriage! Advice On Diversification
Replies: 45
Views: 7602

I have no suggestions. Seems that nobody else does either. I have never had any luck with that, I find they are all full of it. Putting your wife with an advisor could cost you more than just holding the stocks. "Diehard advisor" is an oxymoron. It's seems to be a corrupt system. I wonder if a CPA ...
by Ducks
Mon Apr 28, 2008 11:54 am
Forum: Personal Investments
Topic: Solo 401k help!
Replies: 16
Views: 4439

She said I could open a SEP-IRA and then rollover to solo 401k if/when it is available. This is exactly my plan. The big advantage to a Solo 401(k) as far as I'm aware is the ability to save more of your money. According to bankrate.com, you're allowed to save up to 100% of your earnings. (see http...
by Ducks
Thu Apr 24, 2008 9:27 pm
Forum: Personal Investments
Topic: OneShare: how can my granddaughter SELL?
Replies: 9
Views: 2265

This is a fun thread. nisiprius, I hope you'll let us know how she likes her gift. :)
by Ducks
Tue Apr 22, 2008 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Image Stabilization Camera < $200?
Replies: 24
Views: 4626

Re: Recommendations for Image Stabilization Camera < $200

PaPaw wrote: I have a Panasonic Lumix DMC-FX55 and love it (it was about $250 on sale at Costco and may be more money that you want to spend).
My father has this one and it ROCKS. It is an amazing camera. It has a Leica lens... and at that level of camera, it is all about the lens.
by Ducks
Mon Apr 21, 2008 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to fund the Wedding
Replies: 50
Views: 11600

Offer her half of what you'll spend on her wedding, cash, on the condition she elope. :) My dad actually suggested something like this. He found a late model Mercedes wagon in Las Vegas on Ebay. He emailed me the link, and said, "I have an idea for you. Fly to vegas, get married, pick up the car, a...
by Ducks
Mon Apr 21, 2008 12:11 am
Forum: Personal Investments
Topic: Getting Our Ducks In A Row.
Replies: 12
Views: 2653

Getting Our Ducks In A Row.

*edited* ... will need to do this again, later.
by Ducks
Sun Apr 20, 2008 8:05 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisors who Fire their Clients
Replies: 8
Views: 3155

No problem. That article started me down the path I'm on now. I thought it was very smart and forward-thinking of Google to educate their employees like that. If only all employers were so protective of their employees' interests!