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Viewing profile - pszalapski

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pszalapski
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Joined: Mon Apr 23, 2007 7:31 am
Last visited: Fri Jun 20, 2008 8:05 am
Total posts: 31
[0.04% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 25 Posts / 80.65% of user’s posts ]
Most active topic: What is your opinion of fund ANCFX?
[ 5 Posts / 16.13% of user’s posts ]

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Website: http://www.shareyourfaith.org

pszalapski Posts

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 Forum: Personal Finance   Topic: What was the best mutual fund (in hindsight)?

Posted: Thu Jan 31, 2008 12:57 pm 

Replies: 3
Views: 2571


OK, so we all know that, in general, past performance doesn't correlate very well with future results in managed mutual funds. I was also thinking about value investing and Buffett's success buying low and holding. So, just to think aloud a bit... Just for fun, what is the best widely-available mutu...

 Forum: Success Stories   Topic: On the right track

 Post subject: On the right track
Posted: Thu Oct 18, 2007 6:57 am 

Replies: 0
Views: 2763


I am 27 and slowly becoming more and more financially sound. I graduated from college in 2002 with only $2000 in student debt, which I paid off with my graduation presents! Since then, I bought a house and got married to a wonderful woman, who wasn't as fortunate as me in the tuition paying departme...

 Forum: Personal Finance   Topic: How much are you *supposed* to have saved by 30, 40, 50, ..

Posted: Tue Jul 17, 2007 12:25 pm 

Replies: 41
Views: 29811


Mossy, so you stand by my grid above? Can we modify that for 40 years? Retirement at 67 or 70 seems undesirable; after all, part of the point here is to try to retire somewhat early... Let's contrast that to CJ's plan from this thread. (S)he didn't specify how we expected salary to change, so lets a...

 Forum: Personal Finance   Topic: How much are you *supposed* to have saved by 30, 40, 50, ..

Posted: Tue Jul 17, 2007 11:47 am 

Replies: 41
Views: 29811


Can we put some concrete examples to this? Suppose a single person earns $50,000 per year and wants to explore retirement age possibilities. Plugging into Mossy's formula, we get: Retirement age retire with $1M 65 62 60 57 55 $650K 55 52 50 47 45 $350K 45 42 40 37 35 $175K 35 32 30 27 25 $ 70K 25 22...

 Forum: Personal Finance   Topic: Choosing mutual fund categories

Posted: Mon Jul 02, 2007 8:49 am 

Replies: 7
Views: 4184


The X-Ray is here: http://portfolio.morningstar.com/NewPort/Free/InstantXRayDEntry.aspx?runMode=MSTAR So it looks like that I'm 85% in U.S. large blend stocks. I'm guessing on need more small cap, more emerging markets, and more value funds. How much more? I'll have to sit down and comb through thos...

 Forum: Personal Finance   Topic: Choosing mutual fund categories

Posted: Thu Jun 28, 2007 1:38 pm 

Replies: 7
Views: 4184


...this is not a portfolio of only small/value -- it covers all the categories but has a small/value tilt. The reasoning is when you buy into a index that's based on market cap, you implicitly end up with more large and more growth because the mega corps dominate a huge amount of the stock market i...

 Forum: News & Announcements   Topic: Proposed Layout Change

 Post subject: Re: More changes
Posted: Thu Jun 28, 2007 1:14 pm 

Replies: 6
Views: 6875


General site design comments: The "50 highest rated" is pointless to me. It might be interesting to click on one of these, but I wouldn't expect it on the front page. Perhaps just a link to a page with the highest-rated posts would be better? Same goes for the "25 most rated". It...

 Forum: Personal Finance   Topic: Paying for pleasure

Posted: Tue Jun 19, 2007 8:48 am 

Replies: 16
Views: 18803


I play open volleyball, which is $3 per night plus 40 miles driving. At 25c per mile, that's $13 for two hours of volleyball, which is great exercise--the only moderately high exercise I get. I suspect JD could calculate the savings due to better health in the future if I do this consistently... If ...

 Forum: Personal Finance   Topic: A way to cut your electric bill

Posted: Thu Jun 14, 2007 1:06 pm 

Replies: 20
Views: 11069


That's pretty impressive. It just occurred to me that we let my wife's computer sit on all the time. It used to be our only computer, so it's a habit we've had for years. But she doesn't even use it every day anymore. It sits on all the time, but gets no use. That's something we need to correct. St...

 Forum: News & Announcements   Topic: Posting Frequency

 Post subject: Re: Posting Frequency
Posted: Fri May 25, 2007 6:42 am 

Replies: 9
Views: 8935


A big reason that GRS is my favorite finance site (sorry, nickel, yours is great too...) is because you do post rather often. I would hate to see the frequency go down, but I understand if you need more time in your life.

 Forum: Personal Finance   Topic: Scottrade No Load/No Fee Mutual Funds

Posted: Wed May 23, 2007 9:29 am 

Replies: 4
Views: 6772


Hi! I stumbled onto this website whilst searching google for info on PEOPX (a Dreyfus S&P Index mutual fund). I found a nice post detailing the differences between PEOPX and DSPIX and discovered how amazing this forum is! Does anyone out there use Scottrade? Scottrade has a vast multitude of no...

 Forum: Personal Finance   Topic: High Yield Checking Accounts

Posted: Tue May 22, 2007 11:46 am 

Replies: 17
Views: 12907


Will, 4.25% seems too low to me, especially when there is a = 6% promo/5.25% "regular" accounts out there. I don't think these 5.15/5.25% yields are going away anytime soon. Read the topic carefully. High yield checking accounts. :) Whoops, sorry! I saw "checking" and just compl...

 Forum: Personal Finance   Topic: High Yield Checking Accounts

Posted: Tue May 22, 2007 10:15 am 

Replies: 17
Views: 12907


(Will, 4.25% seems too low to me, especially when there is a = 6% promo/5.25% "regular" accounts out there. I don't think these 5.15/5.25% yields are going away anytime soon.)

The preceding comment is not quite what I was thinking with regard to checking accounts. Please disregard.

 Forum: Personal Finance   Topic: High Yield Checking Accounts

Posted: Tue May 22, 2007 10:04 am 

Replies: 17
Views: 12907


So I recently moved over to FNBODirect.com. Why? 6% promotional rate & a statment that without the promotinoal rate they would be at 5.25%. No fees. No minimum balances. Gus, how long does it take to electronically transfer funds out of this FNBO account? I'm getting sick of HSBC's three days.
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