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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: 1985

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: 3907

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: 3094

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: 2836

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: 2043

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: 2043

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: 5077

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: 2858

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: 475

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: 2858

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: 5229

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: 5368

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: 1928

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: 5017

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: 1224

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: 1928

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: 4414

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: 543

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: 790

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: 2555

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: 2555

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: 4530

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: 910

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: 978

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: 1804

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: 11011

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
Replies: 34
Views: 11822

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: 1115

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: 11011

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: 3394

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: 3278

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: 2683

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: 1867

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: 1111

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: 9171

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: 140

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: 226

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: 1591

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: 6334

Re: POLL: why carry cash?

I'm one of those people who at any given time is using 6 different credit cards depending on what the category is to maximize rewards. I don't rate chase, but I do credit card chase, just as you do. I just got off the $75 cash back using Discover and am on to the 5% cash back using my AT&T Univ...
by crowd79
Sat Apr 19, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13417

Re: Speculation on I Bond fixed rate for May 1st

Seriously, we're speculating over whether the fixed rate will be 0.0% to 0.20%? :?
by crowd79
Sat Apr 19, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 35
Views: 5866

Re: POLL: why carry cash?

I usually pay with a card but when a tip is required, tip with cash. I think servers generally appreciate paper tips, at least I've had a few mention that. I always add the tip to my credit card bill and charge it. If you tip in cash, then this encourages them to cheat and not report their earnings...
by crowd79
Sat Apr 19, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13417

Re: Convince me to get a credit card

Is that actually documented anywhere? You would think the banks would be forced to send 1099s if so. I think they do if it's over a certain amount and I did receive a 1099misc for the $1000 brokerage bonus I got from TD Ameritrade last year. a brokerage bonus is much different than a credit card ca...
by crowd79
Fri Apr 18, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 12482

Re: Family Financial Health Check and Advice

I would stop 529 contributions immediately and shift that money more towards retirement savings, since you are lagging a bit IMO for your income level. Kids can always take out student loans to pay their way through school, but you can't take out a loan for your retirement.
by crowd79
Fri Apr 18, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Financial Health Check and Advice
Replies: 17
Views: 1909

Re: Can you please convince me to get a credit card?

Let's see, 6% cashback on groceries purchases all year using the Amex Blue Cash Preferred card. That's saved me $225 last year alone. That's $225 less I would have if I was fumbling around with cash every day while in the checkout lane and holding up the cashier and that "pissed off" custo...
by crowd79
Fri Apr 18, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 12482

Re: Is it ever okay to use IRA to pay off student loan?

Using any kind of retirement account to pay off debt is a bad idea, except to avoid bankruptcy. You give up years of compounding.
by crowd79
Fri Apr 18, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever okay to use IRA to pay off student loan?
Replies: 5
Views: 621

Re: Dehumidifier for humid basement. I want one that lasts.

I've had a GE ADER50LPQ1 for 4 years with no problems. It runs about 6 months a year (late spring, summer, early fall) in a 1500 sqft unfinished basement (poured concrete in insulated forms) which is about 63 degrees year round. Haven't you heard? Spring is cancelled this year, fellow Yooper :wink:
by crowd79
Fri Apr 18, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 12
Views: 1207

Re: Amazon.com prices change quickly

ieee488 wrote:That's how the airlines do it.


That's why having FF Miles are valuable. I've been working on stockpiling them. Only thing to worry about is paying taxes and fees.
by crowd79
Fri Apr 18, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 53
Views: 6073

Re: Costa Rica?

Last time we went was in 2008 I think. Have they fixed the bridge to Manuel Antonio? It was constructed of duct tape and loose iron pipe and not nearly enough duct tape IMO. The drop was only 40 feet or so into the river below. We followed a concrete mixer truck but stayed a bit back from him. Moun...
by crowd79
Sun Apr 13, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Costa Rica?
Replies: 14
Views: 1513

Re: Costa Rica?

I just did Costa Rica in early February for two weeks through Contiki Tours. Pretty much hit all the hot spots there, i.e. Volcanoes, beaches, and did many adventurous activities like rappelling, ziplining and whitewater rafting. Had an incredible time. A beautiful, diverse country with very friendl...
by crowd79
Sun Apr 13, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Costa Rica?
Replies: 14
Views: 1513
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