| Money Talk|| Tips on reducing costs of a big vacation - RickAstley on 3/5/14 at 8:21 am|
What are some suggestions for maybe scoring a discount/upgrade on hotel, flights, food, etc... when vacationing 5 days or more? How does the board feel about contacting a travel consultant to assist with planning?
I am looking at a week long vacation plus 2 days of travel in about 6...
| O-T Lounge|| Tahiti, Cook Islands, or Hawaii for Honeymoon? - RickAstley on 2/24/14 at 10:04 am|
I am looking at any of these options for a honeymoon. I would go to an island in the Caribbean, but the wedding is during hurricane season. If you have been to either, or a preference to one over the other please provide me some feedback on why you chose that location and how was it.
My intent wa...
| Money Talk|| Vanguard Mutual Fund Recommendations? - RickAstley on 2/7/14 at 4:16 pm|
I made a slip up on my math for taxes last year and I am getting a $1300+ refund. Combine it with some money I have sitting in checking and I am interested in dumping it into either a new Vanguard fund, or dollar cost averaging it into my current VDAIX holding until I can convert to Admiral Shares. ...
| Money Talk|| CVS To Stop Selling Cigarettes By October - RickAstley on 2/5/14 at 7:50 am|
How do you guys feel about that? I know several here are invested in Philip Morris, and some might on CVS stock. Does this begin a trend for other companies to stop within the U.S.?
| Money Talk|| Engagement Ring Thread - RickAstley on 1/15/14 at 9:37 am|
I am seeking the board's advice for purchasing an engagement ring. It has been on my radar for sometime and now I am about to go through with the process of buying one. From the beginner's standpoint, what do I need to research about rings and diamond quality, and what is the ideal place to purchase...
| Money Talk|| MT: When do you decide to max out your 401k? - RickAstley on 1/2/14 at 1:28 pm|
At what point in your yearly planning does maxing out the 401k become feasible? What are some financial goals you aim to achieve first before locking money away in a 401k?
I have done enough saving the past 2 years to build up an adequate emergency fund and max out my Roth IRA. I contribute 10% o...
| O-T Lounge|| OT: Wireless keyboard and mouse recommendations - RickAstley on 12/8/13 at 6:59 pm|
I am in the market for a wireless keyboard and wireless mouse. Anyone have any suggestions regarding which brand offers the best?...
| Money Talk|| Credit Score Impact For Closing CC w/ Short Credit History - RickAstley on 12/6/13 at 1:33 pm|
I am ready to cancel a credit card that is costing me more than what it might be worth. I am interested in the board's opinion on what impact it may have on me.
I have recently acquired my 3rd credit card and boosted my credit limit comfortably. My credit history is just less than 2 ...
| Money Talk|| Guide To Beginning A Portfolio of Blue Chips - RickAstley on 12/2/13 at 4:55 pm|
I am looking to the board for assisting me and hopefully others with starting a portfolio invested solely in blue chip stocks. Some questions that I have, and others are welcome to ask more:
When building a portfolio of blue chips, what are some of the factors that play into what you are buying? ...
| Money Talk|| For what rate would you buy a CD? - RickAstley on 12/2/13 at 12:27 pm|
PenFed's rates have increased to 2%+ for 3-4 year CDs and 3% for 5 and over. I have noticed just a few months ago they were between .80% - 1.40%. Would anyone consider buying a CD outside of retirement? What kind of rate would be your buying point?...
| Money Talk|| How do companies determine your credit limit? - RickAstley on 11/20/13 at 9:23 pm|
Is there a generic formula for determining a person's credit limit on a credit card?...
| Money Talk|| Ways To Invest W/O Increasing Retirement Contributions - RickAstley on 11/12/13 at 9:59 am|
Any suggested ways to continue investing without increasing the amount contributed to a retirement account? I have some money in my paycheck that is not going towards anything right now and I wish to not have it sit idly in my checking account. I am looking for some ideas to what I can do with it, w...
| Money Talk|| Meeting with Financial Advisor - RickAstley on 10/10/13 at 4:03 pm|
My company's financial advisor is holding meetings for employees next week to discuss our retirement portfolio. I am interested in the board's experience with meeting their company's financial adviser. Anything I might should know or do beforehand to make it a meaningful session?...
| Money Talk|| Online Savings Account - RickAstley on 9/27/13 at 4:33 pm|
Do any of you maintain a savings account with either of AMEX or Discover? If so would you recommend them to a friend. Questions I have with online banking primarily center around:
Is your money easily accessible?
Have fees been any issue to date with said bank?...
| Money Talk|| Rebalancing Investing Accounts - RickAstley on 9/18/13 at 9:45 am|
I started an account rebalancing effort this past month to consolidate my funds and reduce fees/taxes. I am interested in some of the board's knowledge on the type of funds that I should keep primarily in a tax-advantaged account versus a taxable account.
I have a 401k, Roth IRA, and a taxable ac...
| Money Talk|| Any MT Couponers Around? - RickAstley on 8/19/13 at 10:53 am|
Do any of you make good use of coupons when buying groceries, retail, etc...? What are some good sources for gathering coupons? How long have you been a couponer?
Just a note:
I am not looking at becoming an extreme couponer, although I wish to take better advantage of what coupons have to offer...
| O-T Lounge|| In the market for a new router. Suggestions? - RickAstley on 8/12/13 at 3:25 pm|
Will anyone offer suggestions regarding a new router and things to be mindful of when router shopping? I will be using it to stream netflix, connect multiple devices and use it for working remotely....
| Money Talk|| What Steps Do You Take When Changing Address? - RickAstley on 7/24/13 at 1:36 pm|
I am moving in a week and I have been making a master list of places to call and alert of my new address. What are some suggested steps by the MT, and things that some people do not think about when changing address?
So far I have all of my utilities ready for the transfer. I have a form here too...
| Money Talk|| Tax deductions for clothes donations - RickAstley on 7/23/13 at 8:41 am|
I will be moving at the end of this month and I have been packing in my spare time as of late. I have a box of clothes that I am going to go through and remove the items I no longer want to keep. What are some of the basic steps I should follow for guaranteeing I have a record of my donation at the ...
| Money Talk|| MT Advice Regarding a Stock Split - RickAstley on 6/11/13 at 10:22 am|
Recently a poster started a thread about ProShares Ultra VIX Short-Term Fut ETF (UVXY). I have been monitoring it amongst other things and noticed there was a stock split this week. Can anyone inform me what happens to the price of each share you own? What is the significance of this event if you al...
| Money Talk|| MT Investing Success/Failures Stories - RickAstley on 5/31/13 at 11:50 am|
Does anyone care to share your most success to date in investing, or biggest failed investment? And if so, will you? I would prefer to keep this conversation geared towards tax advantaged/taxable accounts. An example of one I would not prefer to be included in the conversation is a degree.
I am i...
| Money Talk|| Investing Outside Of Retirement - RickAstley on 5/21/13 at 10:33 pm|
Use $10k for the initial point of entry. Would it be ill-advised to sink all of it into one mutual fund?...
| O-T Lounge|| Anyone seeing an 'Experiment' message on YouTube? - RickAstley on 5/9/13 at 3:05 pm|
At the top of my YouTube I am seeing this message
[quote]Experiment: There may be confidential content in your search results. Please do not share outside Google. [/quote]
I found some links [link=(http://doubleupgaming.co.uk/experiment-confidential-content-search-results/)]LINK[/link] and [link...
| Money Talk|| What are some of the MT's opinions regarding a traveling career? - RickAstley on 5/8/13 at 9:12 am|
Does anyone here have a career that requires an extensive amount of travel per year? Do you regret going that route, or has it been a good change?
A little background:
At my current company, I work out of one office, with an occasional trip to the headquarters. There is another company I have be...
| Money Talk|| How does the board feel about free courses online? - RickAstley on 5/3/13 at 1:30 pm|
From the board's perspective, what is your thoughts on programs like Coursera? If you were hiring, would you be indifferent if the candidate had furthered their education through one of these programs, or would you see this as a positive for them?
A little background:
I have identified two cours...
| Money Talk|| Question for MT: Putting Finances on Cruise Control - RickAstley on 5/1/13 at 10:19 am|
It has been just over a year since I started browsing here and learning about money management. So far it has been very successful as far as spearheading my retirement plan and emergency savings. I max out my Roth IRA and contribute 10% of my salary to my 401(k). As for emergency savings, I have eno...
| Money Talk|| Retirement Book Suggestions - RickAstley on 4/1/13 at 2:55 pm|
I have done some searching through the board and I have seen two suggestions to consider for reads. One being "A Random Walk Down Wall Street" and the other being the "Bogleheads' Guide To Investing."
Does anyone have any other considerations to read for assisting with retirement planning? Can an...
| Money Talk|| When did you start investing outside retirement accounts? - RickAstley on 3/27/13 at 10:43 am|
Thread idea stolen from bogleheads [link=(http://www.bogleheads.org/forum/viewtopic.php?f=1&t=113444)]LINK[/link]. I am interested in knowing at what point MT reader's did investing outside of retirement. Was it before retirement investing, after a significant raise, etc...
I currently only do re...
| Money Talk|| In the Spirit of Tax Season: Organizing Documents - RickAstley on 3/26/13 at 1:05 pm|
Can anyone enlighten me on how you organize your tax related information?
After emptying out a bottle of Tylenol while completing my tax returns, I have identified a need for organizing all of my papers on a yearly basis. I am not as interested in knowing what storage medium is preferred, as I a...
| Money Talk|| Anyone here use PenFed? - RickAstley on 3/25/13 at 2:43 pm|
I'm thinking about shifting a portion of my emergency savings into some CDs and I have been looking at PenFed. Any feedback on going this route, or should I go another route?...