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Viewing profile - UprightPolity

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UprightPolity
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Joined: Sun Apr 15, 2007 11:00 am
Last visited: Sun Feb 10, 2008 7:47 pm
Total posts: 28
[0.03% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 25 Posts / 89.29% of user’s posts ]
Most active topic: A way to cut your electric bill
[ 3 Posts / 10.71% of user’s posts ]

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Location: Washington, DC
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UprightPolity Posts

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 Forum: Personal Finance   Topic: Savings ratios

Posted: Sat Dec 15, 2007 6:05 am 

Replies: 13
Views: 5967


20% for retirement (403(b) and Roth IRA)
Whatever is left over at the end of the month goes to cash savings (typically at least 10% of pre-tax income)

 Forum: Personal Finance   Topic: Annual Living Expenses

Posted: Sat Dec 08, 2007 6:01 pm 

Replies: 36
Views: 24965


This is an interesting way of thinking about expenses. I've always tracked things month-to-month (which is how I have the data), but never thought about expenses on the scale of a year. My rounded numbers for the past 12 months (single male, mid-twenties, renting with housemates, living in the metro...

 Forum: General Discussion   Topic: Compact Flourescent Lightbulbs suck. Help me find a good one

Posted: Sun Dec 02, 2007 9:50 pm 

Replies: 12
Views: 5786


I buy this "RTH" brand ("Round the House") at CVS that I think emit light that's pretty similar to incandescent bulbs.

 Forum: Personal Finance   Topic: cell phone tip: don't buy a flip/slider

 Post subject: Re: not 100% agree
Posted: Sat Dec 01, 2007 4:10 pm 

Replies: 21
Views: 9331


casinoeye702 wrote:
His #1 problem is physical damage. Drop and Water.
His #2 problem is the key board.


So it sounds like hinge problems on flip-phones are relatively rare.

 Forum: Personal Finance   Topic: cell phone tip: don't buy a flip/slider

Posted: Mon Nov 26, 2007 8:32 pm 

Replies: 21
Views: 9331


I've owned both, and I much prefer the flip phone over the "candy-bar" style only because most flip phones, when opened, are much longer than the candy-bar phones, putting the microphone closer to my mouth and making me feel like I'm talking on an actual phone.

 Forum: Personal Finance   Topic: Where to Open a Roth IRA and a few other IRA Questions

Posted: Sun Nov 25, 2007 8:50 pm 

Replies: 10
Views: 4982


5) I've heard about target retirement funds. However, do you lose the benefits of index funds with this? High fees? What does it track? It depends on the fund company. Each of Vanguard's target retirement funds, for example, are a composite of underlying index funds. Vanguard's Target Retirement 20...

 Forum: General Discussion   Topic: fundraising

Posted: Fri Aug 31, 2007 10:14 am 

Replies: 3
Views: 3836


What's the approximate size of the overall budget and how much time do you have to work on the fundraising side? I would check to see if there is a community foundation in your area that might make a grant for this kind of event.

 Forum: Personal Finance   Topic: How much do you spend on food?

Posted: Fri Aug 31, 2007 9:42 am 

Replies: 75
Views: 78507


I don't have access to a bulk supermarket around here, but we do have a farmer's market twice a week. Can you guys list the things you buy over the course of a month? I want to figure out what you guys are eating for a month to see what I'm doing differently. I think it would, as you say, probably ...

 Forum: Personal Finance   Topic: Green Personal Finance

Posted: Thu Aug 30, 2007 6:44 pm 

Replies: 14
Views: 6229


Drinking tap water instead of bottled water. It's cheaper, and doesn't promote more plastic production.

 Forum: Personal Finance   Topic: How much do you spend on food?

Posted: Thu Aug 30, 2007 6:32 pm 

Replies: 75
Views: 78507


I usually spend about $125 per month. I'm a single male 20-something. My diet is largely meatless, although I am not a vegetarian. I typically eat a lot of whole grains, beans, vegetables, cheese, etc.

 Forum: Personal Finance   Topic: asset allocation

Posted: Mon Jun 18, 2007 7:45 pm 

Replies: 12
Views: 7352


Wow, you're really conservative and plan to get even more so relatively quickly. IMO, you're at serious risk of not having enough to retire on unless you save a LOT to make up for the reduced return. Most articles I've read lately indicate that staying up to 70% in stocks into your 70s is appropria...

 Forum: Personal Finance   Topic: asset allocation

Posted: Mon Jun 18, 2007 7:03 pm 

Replies: 12
Views: 7352


yep, it's all about what you're comfortable with. though i will say...20% for someone in their mid 20s is REALLY conservative. Don't forget that the bond estimation has changed from 100-age to 120-age. I'm not sure when/how you plan to go more conservative, but be really careful you don't get too c...

 Forum: Personal Finance   Topic: asset allocation

Posted: Mon Jun 18, 2007 6:26 pm 

Replies: 12
Views: 7352


There is room for individuality here. I personally feel more comfortable with a 20% bond allocation, and I'm only 24. That is about as aggressive as I want to be. There is data from the past century or so that says that kind of bond allocation can significantly reduce risk without cutting too much i...

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

Posted: Fri Jun 15, 2007 7:59 pm 

Replies: 20
Views: 11076


We had a repairs on our gas heater a while back and the repairman said the same thing. In fact he said it takes less gas if you just leave it at the same temperature 24 hours a day than if you bring it down at night. This is not true. The energy you use to bring the heat back up is effectively the ...
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