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Viewing profile - ekrabs

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Joined: Tue Sep 23, 2008 6:05 am
Last visited: Thu Jul 07, 2011 2:17 am
Total posts: 329
[0.37% of all posts / 0.11 posts per day]
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Most active forum: Personal Finance
[ 254 Posts / 77.20% of user’s posts ]
Most active topic: J.D. Roth-Requested Thread on The Future of Investing
[ 12 Posts / 3.65% of user’s posts ]



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ekrabs Posts

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 Forum: Fiscal Fitness Journals   Topic: Battle of J vs. W

 Post subject: Re: Battle of J vs. W
Posted: Wed May 25, 2011 12:57 pm 

Replies: 59
Views: 13206

Hehe, your husband sounds like quite the character. I mean that in a good way. Another way of looking at it is that, if not for you and your financial savvy, chances are good that he'd be in a huge financial mess in no time. For what it's worth, I don't think couples where only one is financially sa...

 Forum: General Discussion   Topic: Is there a better way to deal with spam?

Posted: Wed May 25, 2011 12:50 pm 

Replies: 18
Views: 6069

Post like this: viewtopic.php?f=2&t=29672 really make me wonder. The link has been removed, so I don't know what it is. Still, it's possible that it was a spam that normally contained certain links or codes, but the forum software automatically stripped it of that particular code before it was ...

 Forum: Fiscal Fitness Journals   Topic: Battle of J vs. W

 Post subject: Re: Battle of J vs. W
Posted: Mon May 23, 2011 1:27 pm 

Replies: 59
Views: 13206

I'm a little late to this discussion, but yeah, I know people who think exactly like your husband. The trouble with the Carpe Diemmers is that they're not being entirely rational. TRUE that we can all get hit by a bus tomorrow, BUT the probability of that is extraordinarily unlikely. When confronted...

 Forum: General Discussion   Topic: Is there a better way to deal with spam?

Posted: Mon May 23, 2011 12:59 pm 

Replies: 18
Views: 6069

So, there are numerous types of attacks through several vectors. A bot with automated scripts to masquerade as an user is one form, but it's one of the more primitive ones now. Captchas generally do a good job of keeping those out, but it's also the most popular form that most people tend to think o...

 Forum: Personal Finance   Topic: Publix Stock in 401 (k)

 Post subject: Re: Publix Stock in 401 (k)
Posted: Wed May 18, 2011 12:13 pm 

Replies: 8
Views: 16490

What is your opinion on company stocks like these? My opinion is that even a reduction to 10% holding is too risky. The bottom line is, there is no clear bullish thesis at this point for holding other than, "Well, it's performed well so far." That's not a thesis. I would reduce to 5% if y...

 Forum: Personal Finance   Topic: Switching to Vanguard

 Post subject: Re: Switching to Vanguard
Posted: Thu May 12, 2011 10:01 pm 

Replies: 3
Views: 1522

The short answer is "Yes". :D I'm fairly confident that they will liquidate most if not all of your securities before they roll your money out. That is, if you haven't already done that yourself. Most likely though, they will simply ask you what you want to do when you tell them you want t...

 Forum: Personal Finance   Topic: Understanding Trusts

 Post subject: Re: Understanding Trusts
Posted: Thu May 12, 2011 9:53 pm 

Replies: 5
Views: 1540

Well, trusts are nothing more than a trustor (I assume that's your MIL) granting a trustee (usually a company) the legal powers to manage the trustor's assets on behalf of the beneficiary (which would be you). The details of such an arrangement can come in all shapes and sizes, and may have all kind...

 Forum: Personal Finance   Topic: RIRA Advice

 Post subject: Re: RIRA Advice
Posted: Thu May 12, 2011 9:43 pm 

Replies: 5
Views: 1839

Freedom funds are designed to be held for the long term. Also, their asset allocation will automatically get more and more conservative as time goes by. In fact, for years, I myself held 100% Freedom Fund (k) and was quite comfortable with that simple arrangement. So I wouldn't worry about the short...

 Forum: Personal Finance   Topic: Roth Conversion Question - Did I mess up??

Posted: Tue May 10, 2011 11:16 pm 

Replies: 4
Views: 1492

I'm sorry, but I'm a little confused here. If you make a gain in an IRA, any kind of IRA, you do not pay capital gains. However, if you make a conversion, you have to pay income tax on it, including any gains it made. So, when I make conversions, I'm mostly thinking about how much I can convert with...

 Forum: Personal Finance   Topic: Winging it

 Post subject: Re: Winging it
Posted: Tue May 10, 2011 11:06 pm 

Replies: 7
Views: 1889

What is the question? :D Oh, it won't let me respond with such a short reply. Alright, well, all things being equal, I follow the math. Whatever makes the most mathematical sense in terms of benefit relative to risk and cost. I try not to let my "feelings" get in the way, although I suppos...

 Forum: Personal Finance   Topic: RIRA Advice

 Post subject: Re: RIRA Advice
Posted: Tue May 10, 2011 10:51 pm 

Replies: 5
Views: 1839

If my retirement held only those two positions, (FFFFX and BRK.B) I would sleep quite soundly at night. Fidelity's a good company (in fact, my money is currently parked with them) and their Freedom Fund is a generally well-regarded target-date mutual fund of funds (FoFs). Basically, it's a one-stop ...

 Forum: Personal Finance   Topic: Games that teach about money

Posted: Tue May 03, 2011 11:11 pm 

Replies: 14
Views: 2067

I've heard about "Cash Flow" but haven't played it. I've played it before, and it can be fun as a board game. The trouble is that I don't think it teaches the correct lessons about money. Rather, I believe the game is distorted in favor of Mr. Kiyosaki's view on personal finance and the e...

 Forum: Personal Finance   Topic: Secure Income Annuity VS Vanguard Target Retirement Account

Posted: Wed Apr 06, 2011 2:49 pm 

Replies: 38
Views: 8423

It is possible for an annuity to guarantee a certain percentage, as it is a fixed cost the company providing the annuity would eat up.... The problem is how long they are offering this promotional rate. From the sound of it, I am guessing that it won't last long at all. What is the rate after that? ...

 Forum: Personal Finance   Topic: Peter Schiff

 Post subject: Re: Peter Schiff
Posted: Mon Apr 04, 2011 7:56 am 

Replies: 18
Views: 20856

Hello Mitch. Peter Schiff was right in the sense of pointing out various systemic risks that exist in our economy. He gained public credibility (or should I say, notoriety) when he correctly predicted the collapse of the housing bubble and the ensuing recession. Unfortunately, he went on to make som...
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