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Re: New to investing - Timing Questions

Actually I don't even mind when the market falls for a while, and then comes back. It just means I'm getting more bang for my buck when dollar cost averaging into a falling market. I'll actually be better off in the long run when the market recovers.
by crowd79
Sun Sep 14, 2014 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: New to investing - Timing Questions
Replies: 8
Views: 701

Re: Should I fix a "totaled" car

If the car was hail damaged, I'd say definite yes (assuming you could live with the dents), otherwise NO. I would not take the risk to repair this car. Good luck with whatever you decide.
by crowd79
Sat Aug 30, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 37
Views: 2607

Re: New 2% cash back Mastercard from Citi

2% cashback on all purchases without an annual fee sounds great, but I'll wait to see if they come out with a sign-up bonus of $100-$200 or something. Not worth the hard credit pull as I already have several other cards that pay higher in certain categories anyways...
by crowd79
Sat Aug 30, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19476

Re: Do you tip on the tax? [Restaurants]

Tip 5-10% on the bill minus tax.
by crowd79
Fri Aug 22, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5060

Re: discover card rewards points

I cash out my points for Under Armour gift cards, usually get $50 value for only $40 worth of points.
by crowd79
Fri Aug 22, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: discover card rewards points
Replies: 46
Views: 5758

Re: Why do we tip restaurant servers?

I was never tipped when I washed dishes in a restaurant and rarely tipped when I bagged groceries in my college and high school days, yet I am expected to shell out 20% for tips nowadays. 5-10% is what I'd consider fair and the person has to "really" work for it, meaning they go above and ...
by crowd79
Fri Aug 22, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2235

Re: POLL: Age for Collecting Social Security Benefits

What's the point of waiting until 70 to collect a larger benefit when you may not live that late. I'd rather take my own money back from the government sooner rather than later...
by crowd79
Tue Aug 19, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7480

Re: Hw many credit cards to own?

16 cards as I currently churn cards for huge sign-up bonuses (rewards, miles, etc) and then close them the following year to avoid the annual fee.
by crowd79
Tue Aug 19, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 16630

Re: Tropical vacation next winter with infant-where?

At a minimum shorten the flight and reduce time zone changes as much as possible. There are plenty of exotic places to go that are closer than Southeast Asia. Agreed. I'd shoot for Costa Rica. Lots to see and do. Friendly people, too. Pura Vida. I've been throughout S'East Asia (Thailand, Malaysia,...
by crowd79
Sat Aug 09, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2764

Re: Public not saving for retirement

People can also retire to places abroad such as Thailand or Vietnam and not have to pay an arm and a leg for housing, food and insurance. Anywhere else is cheaper than the U.S. (except maybe Europe)
by crowd79
Thu Aug 07, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Public not saving for retirement
Replies: 24
Views: 3570

Re: Marriage: Is it tax-friendly?

Costs for a single person are higher than a married couple. Single person pays for a whole house, rent, etc on one income. Two people can split it. Marriage penalty is justified IMO.
by crowd79
Wed Aug 06, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage: Is it tax-friendly?
Replies: 50
Views: 2485

Re: Stop Extra Payment Toward Mortgage?

3.25% is a low interest rate for a loan. I don't understand why people pay off low-rate loans faster than they have to. I'd take the extra payments and sock it into investments. There's a good chance your investments make better than 3.25% over the long haul.
by crowd79
Sun Jul 27, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Stop Extra Payment Toward Mortgage?
Replies: 31
Views: 2050

Re: why it pays to make purchases with a credit card

I used my Chase Sapphire Preferred card on a recent trip to Costa Rica. I reviewed all my purchases after the trip online and noticed I was overcharged at a local mom & pop convenience store in Manuel Antonio. I knew I had just bought a snack and beer for $4.32 but the charge showed up as $43.20...
by crowd79
Wed Jul 23, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: why it pays to make purchases with a credit card
Replies: 15
Views: 3961

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

Don't care where it goes next in the short term. As long as it's way higher than now 25 years from now I'll be fine
by crowd79
Wed Jul 23, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3195

Re: Advice for how to fund my wedding

Even though I don't like timing the market, I think now is a good time to sell if you have a short-term goal such as yours. If this money were strictly for retirement several decades down the road, I'd say don't sell. But short term, we're at record highs as the economy continues to be pumped up by ...
by crowd79
Wed Jul 09, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2868

Re: Dip into IRAs to pay off CC debt?

Cut costs. $520 for utilities, cable and cell phone seems high. If running AC, set AC a few degrees higher and check that house is sealed tight. If not running AC, then these costs are nuts. Cut premium tv channels or TV subscription altogether and get a subscription to netflix, hulu or Amazon Prim...
by crowd79
Tue Jul 08, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2082

Re: Dip into IRAs to pay off CC debt?

Taking money out of retirement accounts to pay off debt is a terrible idea, unless to avoid bankruptcy.
by crowd79
Tue Jul 08, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dip into IRAs to pay off CC debt?
Replies: 28
Views: 2082

Re: Poll: Dave Ramsey - Harmful or helpful?

Great on personal finance advice.

Poor on investment advice.
by crowd79
Mon Jun 23, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5298

Re: Soccer - injury time?

I smell a big disappointment coming Thursday. USA loses to Germany 2-1 and Ghana beats Portugal 3-1, sending both Germany and Ghana thru. Ghana, just like in the past 2 world cups, gets the "last laugh" against the USA. We'll be talking about Bradley giving the ball away at midfield with 3...
by crowd79
Mon Jun 23, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2923

Re: Anticipating financial disasters

My mom always taught me to prepare for the 4 Ds - death, divorce, disability, and downsizing (losing a job). Death - Have appropriate life insurance. Divorce - Pre-nup (a fair one, not a mean one) + living within means that can be easily downgraded to my income alone (mostly the latter). Disability...
by crowd79
Sun Jun 22, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anticipating financial disasters
Replies: 3
Views: 478

Re: Soccer - injury time?

U.S. and Germany should just lay down and take a nap on the pitch for the final match since both will advance with a 0-0 draw anyways. Why risk injury and playing in 100 degree Brazilian heat? 8-)
by crowd79
Sun Jun 22, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2923

Anyone here use Personal Capital?

Just curious, does anyone here use the Personal Capital website to monitor their retirement portfolio/investments? Seems like a very good program and they have a nifty investment checkup resources, etc, all for free.
by crowd79
Sun Jun 22, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5548

Re: Convince me to visit Italy

I live in southern Italy...(military)...So, I think I have a fair vote...I would say pass on it....the EURO exchange rate is too high, everything is very hard to find, driving is a pain...go to other parts of Europe. Why would a visitor need to drive? We are planning to go either spring 2015 or 201...
by crowd79
Sun Jun 15, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5519

Re: investment with student loan repayment

Why are you in debt by $370,000 to earn $120,000? 100% federal loans for private school tuition and fees. That's beside the point of this post. I am new to investing and I would like to know if it's safe to assume a conservative rate of 5% return from investing in markets over period of 20 years us...
by crowd79
Sun Jun 15, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment with student loan repayment
Replies: 54
Views: 2016

Re: Why don't we like Dave Ramesy's investment advice

Right now, bonds are the big risk with the fear of rising interest rates, which almost certainly will happen in the next few years so I've shed some bonds from my portfolio.
by crowd79
Sun Jun 15, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't we like Dave Ramesy's investment advice
Replies: 50
Views: 5104

Re: CNN Money article on US Savings Bonds.

As for long term goals, 20+ years for a kid's education, retirement, etc, yes Savings Bonds nowadays are a bad idea but are good for short, mid-term goals. I have a stash of I-Bonds saved for my next used car purchase which could be anytime between now and 5 years from now and will pay outright with...
by crowd79
Sun Jun 15, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: CNN Money article on US Savings Bonds.
Replies: 7
Views: 1232

Re: investment with student loan repayment

Bad idea. Live cheaply for the next 6-7 years and put 1/2 your entire salary paying off the loans ASAP.
by crowd79
Sun Jun 15, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment with student loan repayment
Replies: 54
Views: 2016

Re: Cutting the cable cord - how did you do it?

Thanks to Univision I am able to watch the World Cup for free on my iPad without a pay-TV subscription. The spanish announcers are far more entertaining to listen to than ESPN's boring crew. GOOOOOAAALLLL!!! Having Hulu + and Netflix helps too. Oh, and it's summer, too. Nothing else good is on TV an...
by crowd79
Sun Jun 15, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4506

Re: vbmfx and rising interest rates

The net asset value (the market price of older bonds) goes down, but you get higher interest payouts. Over a few years the two things balance out. Hang in for the length of duration and you'll be fine. So basically it's pretty close to a 0% return at best, or it'll be negative with likely rising in...
by crowd79
Sun Jun 15, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: vbmfx and rising interest rates
Replies: 11
Views: 551

Re: Better late than never?

In how many years do you expect you will need this $70k?
by crowd79
Tue Jun 10, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Better late than never?
Replies: 7
Views: 805

Re: Addicted to saving?

As I sat there watching from home, I desperately wanted to be there with them. I started asking myself why I decided not to join them and it was simply because I didn't think it was financially prudent to spend the extra $500 or $600 for me to fly down there as well, hire a pet sitter, etc. Looking...
by crowd79
Tue Jun 10, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Addicted to saving?
Replies: 24
Views: 2591

Re: Addicted to saving?

Don't deny yourself the joys of life now by tying yourself down by throwing all your discretionary income into retirement funds. After all, there may not be a tomorrow.

If you have good credit, it wouldn't hurt to apply for some Airline credit cards to get Miles and thus, lower your travel costs.
by crowd79
Tue Jun 10, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Addicted to saving?
Replies: 24
Views: 2591

Re: Am I crazy to pay down a 3% mortgage early?

If you get a Mortgage interest deduction, then NO. Otherwise Maybe. 3% is very low interest rate. Just put extra into the market for the long haul and you'll do far better than a 3% return.
by crowd79
Tue Jun 10, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay down a 3% mortgage early?
Replies: 41
Views: 4572

Re: 100 year portfolio

Simple. 100 years = 100% stocks/equities.
by crowd79
Mon Jun 09, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100 year portfolio
Replies: 10
Views: 917

Is having too much credit line a bad thing?

I just got a mail offer from my Capital One Quicksilver Card offering me a $5,000 credit line increase. All I have to do is respond by July 10th, 2014. The fly in the problem is that I already have so many credit cards with high credit lines already that they all amount to well over my actual income...
by crowd79
Mon Jun 09, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is having too much credit line a bad thing?
Replies: 10
Views: 1002

Re: Expense ratio? How much difference does it make?

Is it true that a relatively small portfolio for someone just starting out saving for retirement that expense ratios don't matter as much in their early years? For someone with a $100k portfolio, it's $1k in fees at a 1% er, which doesn't seem too bad at the onset.
by crowd79
Sat Jun 07, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1832

Re: Age in Bonds (The Bogle Rule)

Actually I just did a portfolio checkup through the Personal Capital website and I am closer to "Age - 10 = Bonds" My current allocation is: 50.54% US Stocks (~31% Large, 13% Mid, 6% Small) 24.01% International Stocks (16% Developed, 8% Emerging) 15.28% US Bonds 3.96% International Bonds 4...
by crowd79
Sat Jun 07, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds (The Bogle Rule)
Replies: 135
Views: 11165

Re: Best Credit Card Promos 2014

Chase Freedom is the best card for cashback on gas. It's a rotating categories card, however this year 5% gas cashback purchases made up the first (Jan-Mar) and soon to be, third quarters (Jul-Sept). At the end of each bonus quarter, I stock up on gas gift cards at my preferred gas station to carry ...
by crowd79
Sat Jun 07, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Promos 2014 *Updated*
Replies: 36
Views: 13539

Re: 70th Anniversary of D Day

It is almost impossible to get my head around the sheer number of soldiers the Soviet Union lost in that war. how about civilians: 14 million The number I had read was 28m in total in the USSR: 20m civilians and 8m military dead. Chinese civilian casualties were probably more than 10m (if we count ...
by crowd79
Sat Jun 07, 2014 9:19 am
 
Forum: Local Chapters and Bogleheads Community
Topic: 70th Anniversary of D Day
Replies: 18
Views: 1186

Re: Age in Bonds (The Bogle Rule)

I just turned 35 so I am currently 65% equities and 35% bonds. I hope to retire at 60. This this too risky since I may retire earlier than the standard 65?
by crowd79
Sat Jun 07, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds (The Bogle Rule)
Replies: 135
Views: 11165

Re: Recommend a 1 month trip abroad.

Thailand hands down. Great scenery, friendly people, cheap food and beer, all in the "Land of Smiles".
by crowd79
Tue Jun 03, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 3449

Re: Credit card to pay mortgage

I'm able to send my rent for free via Amazon pymts to my abroad-living landlord via my Miles-earning credit cards.

Miles for paying my rent, can't beat that.

Just another reason that, for me, renting beats the living hell out of owning a house. :D
by crowd79
Tue Jun 03, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Credit card to pay mortgage
Replies: 29
Views: 3476

Re: Timing with the market at the high?

Timing the market is a fool's game, mostly. 30 years from now you won't care where the market is today.
by crowd79
Mon Jun 02, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Timing with the market at the high?
Replies: 26
Views: 2698

Re: Where to Put Emergency Fund?

Bogleheads, My emergency fund has been sitting in my Chase savings account for the past 18 months earning about 0.01% interest. I'm looking for something that will at least earn a little something. Where do bogleheads keep the EF? CDs? High-yield savings accounts? What are the pros/cons for the var...
by crowd79
Mon Jun 02, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to Put Emergency Fund?
Replies: 18
Views: 1909

Re: Switzerland and Berlin travel recommendations

Most of my favorite sites in Berlin have been mentioned, but just in case: * Museum island is fantastic; there is/used to be a museum pass that was definitely worth it * Checkpoint Charlie - really touristy, but still moving * Brandenburger Tor, Siegessaeule, Unter den Linden: Nice walk * East side...
by crowd79
Sun May 04, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Switzerland and Berlin travel recommendations
Replies: 16
Views: 1152

Re: Flights D.C. to London: Buy now or wait?

Most likely this comes up when they check applicants' credit worthiness using their tax ID. But they may or may not enforce the policy. There is no harm in trying. I don't have a business, but I have good credit and I have a business tax ID from the 1990s. I was approved. And actually there is a sm...
by crowd79
Sun May 04, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 50
Views: 9258

Investment Volatility % changes-Do I need to rebalance??

I am comparing my current 401k Statement (March 31st, 2014) from Nationwide to last year at this time (March 31st, 2013) and I noticed that my "Investment Volatility %" Has changed significantly: 2013: Very High: 40.99% High: 16.62% Moderate: 30.75% Very Low: 11.64% 2014: Very High: 7.20% ...
by crowd79
Sun May 04, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Volatility % changes-Do I need to rebalance??
Replies: 1
Views: 143

Understanding my 401k Fees on 1st Qtr statement-Nationwide

I received my quarterly 401k statement from Nationwide last month and was taking a look at my transactions history/fee and expense information page. Under Administrative Expenses it lists "Nationwide Administrative Expenses" as $0.00 and "Advisory/Service Provider Expenses" at $2...
by crowd79
Sun May 04, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Understanding my 401k Fees on 1st Qtr statement-Nationwide
Replies: 3
Views: 235

Re: Anyone know the new I-Bond Rate ?

We already know it'll be 1.81% plus 0.20% fixed at best. 3-5 Yr CD's pay better right now.
by crowd79
Thu May 01, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1612

Re: Why a million may not be enough

I certainly would not be factoring in Social Security, either. The system is totally broke and I would not count my chickens there before they hatch in factoring that into my retirement goal. If it's there when I retire, I'll view it as a pleasant surprise.
by crowd79
Wed Apr 23, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why a million may not be enough
Replies: 33
Views: 6350
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