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Money Talk
re: Cashing in change - RickAstley
As others have said, check with your bank first. I have always been stubborn and rolled my own coins when making a deposit. I do it now to look for collectible coins and silver pieces. Very time consuming and probably not what you are interested in doing....


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Tech Board
re: Password management ap/software.... - RickAstley
I use KeePass on my computer. It can be very helpful when you have multiple logins or need help generating a new password for a random account. I have been using KeePass for the previous 2 years and I have been very pleased. I don't know what features you are expecting out of your app beyond the ...


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Money Talk
re: Tomorrow, 7/8, is the ex-dividend date for AT&T (T) - RickAstley
[quote]Not gonna get rich doing that but it was free money[/quote] Might not get rich but I haven't heard of anyone complain about free money. Thanks for the update and the insight....


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Money Talk
re: Tomorrow, 7/8, is the ex-dividend date for AT&T (T) - RickAstley
How did this work out for you? Did you have as much success with AT&T as you did JPM?...


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Money Talk
re: Looking for Solid Mutual Fund via Roth - RickAstley
My Roth IRA funds are invested into Vanguard's Total Stock Market Index Fund. I'm 25 years old, with easily 30+ years of work on the horizon. I'll balance my portfolio over time. //My Roth is with Vanguard...


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Money Talk
re: Tomorrow, 7/8, is the ex-dividend date for AT&T (T) - RickAstley
Thank you for the advice :cheers:...


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Money Talk
re: Tomorrow, 7/8, is the ex-dividend date for AT&T (T) - RickAstley
Do you mind expanding on a dividend play for the one's who do not dabble in day trading stocks? Does this mean you will buy a large swath of shares today and sell after the dividend clears?...


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O-T Lounge
re: Summer Time Cooling Clothing - RickAstley
I do not foresee wearing the suit in the summer time being a long term ordeal for me. I do need to improve my situation as is for the time being....


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O-T Lounge
re: Summer Time Cooling Clothing - RickAstley
I am looking for something that offers the cooling effect of Underarmour, but as you said clothing that does not allow the sweat to go to the dress shirt....


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O-T Lounge
Summer Time Cooling Clothing - RickAstley
Does anyone have suggestions for clothing with a cooling effect to wear? Much less under a suit? Sweating is unavoidable, but lately its been pretty intense wearing business attire. I am looking for suggestions for cooling materials....


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Money Talk
re: Family budget question re: groceries/food/consumables - RickAstley
I do not think $12k a year is completely unreasonable if you factor in eating out. If you buy in bulk, make your lunch everyday, use coupons, and eat at or pick up food from a restaurant once a week, I think you could trim the figure to $750 a month. I do not know what efforts your family makes t...


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Money Talk
re: The Money Talk Guide - A List of Major Topics Covered - RickAstley
If you make a section for coin collectors this thread, [link=(http://www.tigerdroppings.com/rant/p/38716628/Tips-from-MT-Coin-Collectors.aspx)]Tips from MT Coin Collectors[/link], should be included in the links. Great job on the work :cheers:...


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Money Talk
re: Retirement - how long until you hang it up? - RickAstley
Ideally, age 55 would be nice so about 360 months. Without getting married, age 50 or earlier is realistic but due to getting married I don't have a clue. I might work til I am dead....


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Money Talk
re: Internet provider quit billing when we moved to new house - RickAstley
I came into the same situation. We lived in a duplex and the cable was never split correctly from the neighbor's line. We had free cable and paid for DSL from AT&T as not to alert the cable company about our free cable. DSL sucked bad for the couple of years I had it, although it certainly made up f...


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Money Talk
re: 3 weeks vs 4 week vacation - RickAstley
Does your dad work in government? One of the guy's I have hunted with will take huge blocks of time off between November - January for deer season. It is almost worth all of the crappy people they deal with throughout the year....


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Money Talk
re: 3 weeks vs 4 week vacation - RickAstley
Tell them you currently get 4 weeks of time off, and ask if you can have 4? My company, as well as several of our competitors, will either match your time off or give you an added 1-2 weeks off immediately upon your hiring. Another question to ask is, - With the new company will you ever be ab...


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Money Talk
re: Beginner's Tactics for Investing - Young and Self-Employed - RickAstley
[quote]What does this have to do with your expectation of what you will need to retire?[/quote] I suppose it has nothing to do with the expectation of my retirement? As for the OP with his ambition to invest for retirement, I believe he will be much better suited by setting a target age to retire...


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Money Talk
re: Beginner's Tactics for Investing - Young and Self-Employed - RickAstley
I agree that $500k is more than likely not enough money for retiring at the age of 60. On the other hand, I have a hard time believing that the majority of Americans will have $500k or more saved up at the age of 60....


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Money Talk
re: Vanguard Funds - RickAstley
[quote]Would you suggest once I have enough $$$ to go ahead and upgrade to the admiral shares?[/quote] Absolutely. As Plano said, Vanguard will at the least notify you that you are eligible for admiral shares once you get to $10,000. I first invested into a Target Retirement Fund in mine, similar...


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Money Talk
re: Beginner's Tactics for Investing - Young and Self-Employed - RickAstley
[quote]I know it's just an example, but I think you're missing a zero somewhere...[/quote] Please tell me if you do not mind. I would feel pretty bad knowing I have been misusing a 'k' on dollar figures for who knows how long....


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Money Talk
re: Vanguard Funds - RickAstley
I think the big question is whether you intend to keep investing into the target retirement fund, or do you plan to convert everything to VTSMX. If you see yourself still investing in the target retirement fund over the next year or two, I would leave it alone. Otherwise go ahead and exchange all of...


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Money Talk
re: Beginner's Tactics for Investing - Young and Self-Employed - RickAstley
I personally do not have any good feedback for the best vehicles to make use of if you are self employed. However I would suggest that you make sure you have your taxes and expenses in line before making a decision on your retirement investment vehicle. Regarding retirement investing, if your inc...


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Money Talk
re: What is your largest single holding? - RickAstley
I only own mutual funds and my largest single holding as of this month is VDADX with 633.960 shares....


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Money Talk
re: Delivering Pizzas For Extra Dough - RickAstley
[quote]and i drive over 100 miles a day. [/quote] I think you really should look into a gas card to help on gas expenses. Find yourself a rewards card or a cash back card to even further lower the gas expense. I've got the PenFed Cash back rewards card that gives me a 5% rebate on all gas purchas...


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Money Talk
re: Credit Card Rewards and Points Discussion - RickAstley
I get 5% cash back on gas with my PenFed Cash Rewards card. And then I have both the Discover It and Chase Freedom cards which rotate 5% back on categories every quarter. The gas card is great at the moment considering I have a long commute to work. The bulk of my spending goes towards gas and f...


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Money Talk
re: Credit Card Rewards and Points Discussion - RickAstley
[quote]See the above. It really depends where you are in life, what you can reasonably accomplish, etc. If it is going to take you forever to earn on a card to accrue point/miles of a reward program, or you can't take off to travel, it might not be the best route for you to go.[/quote] The three ...


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Money Talk
re: Credit Card Rewards and Points Discussion - RickAstley
Well damn. Cashing out for my statement balance was not a need of mine, as much as it was just me doing the conversion on a whim. Accruing points will take some time for me. Sucks knowing I had a 20,000 point base I started with :banghead:...


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Money Talk
re: Did you sell in May and go away? - RickAstley
[quote]With major stock markets at all-time highs have you rebalanced your portfolio? [/quote] No [quote]What is your asset allocation as of now considering your time horizon until retirement? [/quote] 30-40 years til retirement and my retirement accounts are about 98% stock funds. I do keep a...


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Money Talk
re: Credit Card Rewards and Points Discussion - RickAstley
What has been the best way for you to use your Chase rewards? I just cashed out my reward points to pay off some of my statement balance, and I am now left wondering if I could have made better use of my reward points....


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Money Talk
re: when to quit your job - tips from ceb - RickAstley
[quote]Your responsibilities have increased but your pay hasn’t. If it’s not due to downsizing, then upper management is taking advantage of you. Don’t let them.[/quote] I have recently interviewed with another company due to the low pay. I make a good salary for my age, but not for the experienc...


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