Search found 1159 matches

by centrifuge41
Thu Aug 19, 2010 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Vanguard Fund for 18-22 year olds.
Replies: 7
Views: 1448

Interestingly, the underlying composition looks the same as VFIFX (TR 2050) for now, but the expense ratio is 1 basis point lower. I guess I'll switch to this in my 401k, from TR 2050, as soon as it's available :)
by centrifuge41
Wed Aug 18, 2010 8:20 am
Forum: Personal Consumer Issues
Topic: Are Used Appliances a Good Idea?
Replies: 31
Views: 6500

When we moved, we found a nice W/D "set" on Craigslist for $225. The washer was 7 years old, but it was a Kenmore with dual cycle wash. The dryer was a digital dryer. Also, the seller was only 3 or 4 miles from our place, so it was easy to haul the two pieces back, one at a time. There's a lot of W/...
by centrifuge41
Mon Aug 16, 2010 9:32 am
Forum: Personal Consumer Issues
Topic: anyone play the lottery?
Replies: 90
Views: 9456

Haha, nope, I've never bought any lotto tickets. I generally don't like doing things that have a negative expected value (health insurance, auto liability, etc aside - I'll just say that those have a positive expected utility). :)
by centrifuge41
Wed Jul 28, 2010 8:55 am
Forum: Personal Consumer Issues
Topic: Best SAT preparation/practice books?
Replies: 39
Views: 7550

Indeed, College Board has a first party "10 Real SATs" book. Unfortunately, only 2 or 3 of the practice exams are in the new 2400 point format. The remaining tests are all older 1600 point tests. I found a Kaplan book that has 10 practice SAT's in the new 2400 point format. However, I can't say how ...
by centrifuge41
Thu Jun 17, 2010 1:15 pm
Forum: Investing - Theory, News & General
Topic: Mail in rebates
Replies: 14
Views: 1981

Last I read, mail in rebate redemption rates hovered around 54%. If you are diligent, you will come out ahead with MIR's, probably because lazier/less meticulous people are subsidizing your good deal item purchase. Sample scenario: store Big Box B has a product for $100 - $50 MIR. You are diligent, ...
by centrifuge41
Thu Jun 03, 2010 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Washington, DC vs Charlotte, NC
Replies: 42
Views: 8673

One other thing that worries me is that I work in finance and I see a 11.9% unemployment rate in the Charlotte metro, which has been hard hit due to the heavy banking concentration, versus a 6.7% unemployment rate in the DC metro. It seems like if either of us were out of the job it would be relati...
by centrifuge41
Wed Jun 02, 2010 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Washington, DC vs Charlotte, NC
Replies: 42
Views: 8673

Re: Washington, DC vs Charlotte, NC

Where in DC do you live? How is the commute? What about the rent situation? Charlotte is indeed much cheaper, as are most cities in the SE outside of Florida. Your commute should also be a lot easier. While Charlotte isn't devoid of traffic, it's a lot more compact than DC. Even if live near I-485, ...
by centrifuge41
Mon May 17, 2010 11:38 am
Forum: Investing - Theory, News & General
Topic: Separating value/growth to minimize taxable dividends?
Replies: 9
Views: 1258

I'm looking up the small cap growth index (VISGX) on Google finance. For the past 10 year period, the alpha is 7.1 and the beta is 1.17. I've heard in the past that it is good to focus on the four corners of the 3x3 for asset allocation (large growth and value; small growth and value). Any data or e...
by centrifuge41
Mon May 17, 2010 9:42 am
Forum: Investing - Theory, News & General
Topic: Separating value/growth to minimize taxable dividends?
Replies: 9
Views: 1258

Separating value/growth to minimize taxable dividends?

Hi all! Sorry if this is a repost - I'm not sure if the forum provides a way to search solely by subject/title instead of post body content. Vanguard has small and mid cap indices broken up: Small cap value (VISVX) Small cap growth (VISGX) Small cap index (NAESX) Ditto for mid cap value, growth, and...