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Re: What are you up YTD?

Why is ytd % more important than how much you are up/down in the last 365 days? Ie, why do we judge return rates always from January 1? It's easier to track by selecting "YTD" on websites for returns versus setting a date then trying to input the parameters... But on my vanguard account u...
by schmitz
Sat Nov 01, 2014 4:11 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 172
Views: 13950

Re: What are you up YTD?

Why is ytd % more important than how much you are up/down in the last 365 days?

Ie, why do we judge return rates always from January 1?
by schmitz
Fri Oct 31, 2014 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 172
Views: 13950

Re: Just wondering how you personally calculate net worth

Assets - Liabilities = Sum that is then multiplied by 0.50% to account for taxes and others thoughts on what my net worth should really be! :) Multiplied by .50%? Isn't that .005? Anyways to the OP I keep it simple and do the assets-liabilities. Do count house equity but not cars, jewelry, etc. I a...
by schmitz
Thu Oct 23, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3726

Re: Do you rebalance now?

Stupid question but does rebalance mean buy more stocks or bonds (depending on which way you rebalance) to hit a new asset allocation or does it mean sell/move shares of one type of fund into another?

If you are selling does that mean there will be tax implications every time you rebalance?
by schmitz
Tue Oct 14, 2014 1:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you rebalance now?
Replies: 17
Views: 1472

Re: Losing money, please advise

Reading this thread, all I can think is "I wish I lost 30k this week!"

Actually if I lost a million this week, then I could retire already.
by schmitz
Mon Oct 13, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5032

Re: $400 reward to open Chase accounts

Sometimes these deals require a direct deposit.

What defines this? I am self employed - can I set something up to direct deposit into the chase account? Like a monthly transfer from my capital one online bank account?
by schmitz
Fri Oct 10, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 35
Views: 8290

Re: What is your best estimate of the SWR (Safe Withdrawal R

could someone explain the way SWR works? im trying to learn the logic behind it. when you say 4%, does that mean you can withdraw 4% every year and never run out of money (in theory) or is the principal supposed to eventually reach 0 after xx number of years? does it keep up with inflation or are yo...
by schmitz
Sat Sep 27, 2014 1:11 am
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 4026

Re: cost of raising a child by age group

To keep this on-topic (i.e., unlocked), this thread has to be about your situation. Not ours. I suggest you provide some more information about your personal situation. For example 0-5 can either be the cheapest or the most expensive years depending on your childcare costs. sorry about that. didnt ...
by schmitz
Fri Sep 19, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 27
Views: 2581

Re: cost of raising a child by age group

To keep this on-topic (i.e., unlocked), this thread has to be about your situation. Not ours. I suggest you provide some more information about your personal situation. For example 0-5 can either be the cheapest or the most expensive years depending on your childcare costs. sorry about that. didnt ...
by schmitz
Fri Sep 19, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 27
Views: 2581

cost of raising a child by age group

just had our first child a month ago :D so wanted to get an idea of whats to come financially. obviously raising a child is very expensive but I was looking to see which age group is generally the most expensive and which is the least (if there is such a thing). so based on your experience, how woul...
by schmitz
Fri Sep 19, 2014 2:45 am
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 27
Views: 2581

Re: bogleheads - can I scale it back?

Can you scale it back? Of course. Some posts are talking about college costs and other stuff, but what's more important: A parent who is there during a child's early development or some money? I'd argue strongly for a parent who is there and involved. Life has been really easy for me and I can cred...
by schmitz
Fri Sep 12, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4518

Re: bogleheads - can I scale it back?

What about college savings for your newborn? Do you plan to have more children in the future? maybe one more (if we can survive this first one :) ) so far no college savings but was planning on throwing $50-100 per month into a 529 (but i did just read that article that says only 3% of people do th...
by schmitz
Fri Sep 12, 2014 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4518

Re: bogleheads - can I scale it back?

I see. Quickly reduced $7-$8K in "expenses" to $5,320 ($6240 - $920). As soon as you reduce travel to work, there's another potential $750 there. As you can see, developing a realistic and sensible budget is the first step in financial planning. And, like I said in my first post, anything...
by schmitz
Fri Sep 12, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4518

Re: bogleheads - can I scale it back?

and yes I have ignored SS - dont know how to even consider that in my planning. There's been a lot of discussion on the forum about this. Might be worth a quick search. From what I recall, I believe the amount from SS is considered to be a reduction in the amount of money the pensions and portfolio...
by schmitz
Thu Sep 11, 2014 2:24 am
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4518

Re: bogleheads - can I scale it back?

wow - thanks to everyone for all the great replies, information and well wishes on the baby. i really appreciate it. :) I won't comment on the finances much, but I would just say a hearty word of celebration in your new child. Spending time with your child may be the most rewarding thing you will ev...
by schmitz
Wed Sep 10, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4518

bogleheads - can I scale it back?

Hi bogleheads, Always get good advice here so I'm back for more. I will try my best to make this clear and if you'd like me to provide more details or information, please ask. Basically, my story goes like this. I am 37 and wife is 35. We recently had our first child (less than a month old). Through...
by schmitz
Wed Sep 10, 2014 4:14 am
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4518

Re: need help with basic investing math

I think your made up scenario describes the period leading up to the 2008 crash pretty well. You seem to be leaving out the possibility of recovery though, which has been the case over much of history. Also, you seem to be using sort of a normal distribution on the positive side, and a fat tail on ...
by schmitz
Fri Sep 05, 2014 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: need help with basic investing math
Replies: 18
Views: 1164

Re: need help with basic investing math

ok I knew it still worked out in the long run...thanks to everyone for the input/advice. ill keep doing what I AM doing and invest for the future whether the market is up or down.


dickenjb : thanks, but have you really never misspelled a word on a message board?
by schmitz
Fri Sep 05, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: need help with basic investing math
Replies: 18
Views: 1164

need help with basic investing math

please bare in mind that these numbers are rounded just for the sake of discussion. I also admit I am not a pro at investing so any help is appreciated (please dont laugh at me too much :happy). say you start with 50k invested and add 10k per year for 5 years. and each of those 5 years makes 10% ret...
by schmitz
Fri Sep 05, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: need help with basic investing math
Replies: 18
Views: 1164

help interpreting TSP monthly annuity

this is actually through my wife's TSP (I dont have one, but I do the finances in the household). under her benefits statement (on the EPP website) it says: Assuming you continue TSP contributions at the same rate, and earnings on your account average 7% per year, your estimated TSP account balance ...
by schmitz
Sat Aug 30, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: help interpreting TSP monthly annuity
Replies: 2
Views: 325

Re: What are you up YTD?

How do you guys calculate your ytd return percentage?
by schmitz
Tue Aug 26, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 172
Views: 13950

Re: California residents - do you have earthquake insurance?

Thanks

Is 10-15% deductible standard? Seems different than other types of insurance where it's a set amount.

Also is that percentage based on current market value? If so how do they determine it? They can't use zillow, can they?
by schmitz
Tue Aug 26, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3301

California residents - do you have earthquake insurance?

The recent quakes in napa got me thinking I should get some. We live in Orange County.

If so how much does it cost you per year compared to your home value?
by schmitz
Tue Aug 26, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3301

Re: Received bank statements for a business using our addres

Thanks for the replies

I have no idea how to contact her. Never seen the name before and google provided nothing (I assumed her business would have a website but it doesn't).

Should I call the bank?
by schmitz
Mon Aug 25, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Received bank statements for a business using our address
Replies: 7
Views: 568

Received bank statements for a business using our address

Not sure how to proceed here.

The other day we received 5 pieces of mail all from Bank of America and all for some lady's small business. Probably some sort of statements.

Any idea how this could happen? Is it a scam? What should be my plan of action?
by schmitz
Mon Aug 25, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Received bank statements for a business using our address
Replies: 7
Views: 568

Re: POLL: My home is worth less/more in 2014 than in 2007?

I don't think Zestimates are as bad as everyone says. Accurate, no, but for knowing when the peak was or when the low was, they aren't going to be off by three years. Since the question is a relative one rather than an absolute one, even if Zillow is constantly 30% too high, a 50% drop will still b...
by schmitz
Tue Aug 12, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6019

Re: How many Accounts do you log into and how do you manage?

another password question for those who use capitalone/ING: I notice i can only sign in using a PIN. is this secure enough? i feel like a hacker can figure out a number much quicker than a password with letters, numbers and symbols in it.
by schmitz
Thu Aug 07, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2749

Re: How many Accounts do you log into and how do you manage?

for password security: if I change my current passwords and only change say, one or two characters out of 20 - is the new password still super safe or is it easier for a hacker to figure it out? like if my old password was aBcd1234efgH!5678 and its changed to abCd1234eFgh!5679 does it help keep it s...
by schmitz
Thu Aug 07, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2749

Re: How many Accounts do you log into and how do you manage?

I've never used 1password, keepass,etc

How do those help against hackers (eg the Russian hack that just occurred)? If a hacker gets the password to 1password don't they now have all my passes to all my accounts?
by schmitz
Thu Aug 07, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2749

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

I guess it's time to change all my passwords again
by schmitz
Tue Aug 05, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8039

Re: confused by Suze Orman - Investments category?

Another thing that confuses me on her show is she will go through someone's finances like this (usually during the one-on-one portion of the show) Using rounded numbers as an example: Income: $7000 Expenses: $4000 Savings: $2000 Net: $1000 You spend some of your money and save some of your money - y...
by schmitz
Tue Aug 05, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: confused by Suze Orman - Investments category?
Replies: 7
Views: 1297

Re: is it normal to have more in your taxable accounts

wow - thanks for all the replies. I realize now that normal was the wrong choice of words. I didnt mean is it typical but rather can I still be on the right track in my investing? Was hoping I wasnt making some sort of investing mistake. I do not have a 401k available so I do max out my ROTH and SEP...
by schmitz
Thu Jun 19, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: is it normal to have more in your taxable accounts
Replies: 25
Views: 1736

is it normal to have more in your taxable accounts

Hope this is the right forum to post this question in. And I hope "normal" is the right way to put this, but I have significantly more in my taxable account at vanguard than I do my ROTH IRA and SEP IRA accounts (2/3 taxable vs 1/3 ROTH/SEP combined). I just want to make sure I am investin...
by schmitz
Thu Jun 19, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: is it normal to have more in your taxable accounts
Replies: 25
Views: 1736

Re: Tipping for a haircut at Great Clips

Geez. I'm tipping too much I guess...15 bucks haircut. 10 dollar tip.
by schmitz
Tue Mar 11, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 4411

Re: short sale/tax forms

I found that California is a Anti-Deficiency / Non-Recourse State - maybe thats why I didnt get anything? I knew that California has an anti-deficiency law. What I didn't know from your OP was that you lived in CA. What I still don't know is if this was your primary residence or an apartment buildi...
by schmitz
Wed Feb 19, 2014 1:57 am
 
Forum: Personal Finance (Not Investing)
Topic: short sale/tax forms
Replies: 8
Views: 388

Re: short sale/tax forms

I did not get a 1099-C. Just the 1099-S. how would I know if they cancelled the debt? If it were I, I would know because I would have a paper from the lender saying they cancelled the debt. I don't know if I would do a short sale unless I knew in advance (and had it in writing) that the lender woul...
by schmitz
Wed Feb 19, 2014 1:46 am
 
Forum: Personal Finance (Not Investing)
Topic: short sale/tax forms
Replies: 8
Views: 388

Re: short sale/tax forms

I did not get a 1099-C. Just the 1099-S.

how would I know if they cancelled the debt?
by schmitz
Wed Feb 19, 2014 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: short sale/tax forms
Replies: 8
Views: 388

short sale/tax forms

I went through a short sale in 2013 and received a 1099-S form in the mail. no problem there. it just tells me what it sold for. However, I wanted to know if I was going to be responsible for the balance (it sold for about 40-45k less than the mortgage balance) so I called the same escrow company th...
by schmitz
Wed Feb 19, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: short sale/tax forms
Replies: 8
Views: 388

Re: best tips for passwords?

thanks for all the help everyone! To be as safe as possible, go with random character passwords that are hard to remember and hard to type - as long as the site allows with as many different character types as you can (Upper case, lower case letters; numbers; symbols). Some sites restrict length or ...
by schmitz
Sun Feb 16, 2014 1:36 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 11314

best tips for passwords?

anyone have any good tips for creating safe passwords? what is most important? 1) length? 2) using non-letter characters? 3) changing them often? 4) does every website need a different password? my guess is all of the above. however, is there a way to create passwords that dont need to be changed mo...
by schmitz
Sun Feb 16, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 11314

Re: Getting rid of wife's Target Date fund - questions

How did you estimate your house value so specifically?
by schmitz
Fri Feb 14, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2206

Re: question about TSP contribution limits

excellent - thanks for all the replies.

one last quick question - is there any advantage to upping my wifes contributions to get the full 17500 (rather than 17498) besides the $2?
by schmitz
Thu Jan 09, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: question about TSP contribution limits
Replies: 10
Views: 679

question about TSP contribution limits

I hope I didnt just make a mistake here... I recently upped my wife's TSP contribution to max it out for the upcoming year. According to an email they sent out: If you want to maximize your regular contributions, you will need to change your biweekly contribution to $673... which makes sense because...
by schmitz
Thu Jan 09, 2014 3:56 am
 
Forum: Investing - Help with Personal Investments
Topic: question about TSP contribution limits
Replies: 10
Views: 679

Re: can we do a ROTH TSP if we already contribute to a ROTH

thank you for all the replies. as far as MAGI, im not exactly sure where my wife and I will land (since im self employed). I would think we are kind of close to the level. so what would happen if I converted her TSP to a ROTH TSP and that pushes us over the threshold level for the ROTH IRA? would we...
by schmitz
Thu Dec 26, 2013 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: can we do a ROTH TSP if we already contribute to a ROTH IRA?
Replies: 9
Views: 688

can we do a ROTH TSP if we already contribute to a ROTH IRA?

my wife and I have been maxing out our ROTH IRAs for a few years now and I just noticed on her TSP that there is a button for "start ROTH TSP contribution" - is she eligible for that if she already has a ROTH IRA?
by schmitz
Tue Dec 24, 2013 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: can we do a ROTH TSP if we already contribute to a ROTH IRA?
Replies: 9
Views: 688

Re: portfolio advice - am I on the right track?

I think you should take a step back and read The Bogleheads Guide to Investing before you do anything else. If you have time you should also read every single page on the wiki. http://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/0470067365 thanks. will do. If i have any questions fr...
by schmitz
Sat Nov 09, 2013 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio advice - am I on the right track?
Replies: 20
Views: 1882

Re: portfolio advice - am I on the right track?

OP here. thanks for all the help a few more questions: 1) still having trouble figuring out what my AA is suppose to be? is there a formula? I see its based a lot on how much time you have and what your risk tolerance is but I cannot figure out what my ratio should be. I am around 90/10 so far (sinc...
by schmitz
Sat Nov 09, 2013 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio advice - am I on the right track?
Replies: 20
Views: 1882

Re: portfolio advice - am I on the right track?

wow - thanks again for all the help. i am trying to learn a lot but am realizing i am so far behind. i can barely translate any of this (how does the average american invest themselves? either i am over thinking this or it seem so complicated), but slowly getting better. I have a lot of questions bu...
by schmitz
Tue Nov 05, 2013 4:46 am
 
Forum: Investing - Help with Personal Investments
Topic: portfolio advice - am I on the right track?
Replies: 20
Views: 1882

Re: portfolio advice - am I on the right track?

just a follow up question on the above posts:

Her Roth
4.88% Vanguard Total Bond Market Index Fund


for example, how I get 4.88% of our portfolio into her ROTH when we can only add 5k per year?
by schmitz
Mon Nov 04, 2013 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio advice - am I on the right track?
Replies: 20
Views: 1882

Re: portfolio advice - am I on the right track?

If you are self employed, you should be able to open a solo 401k. You can dump a ton of money (up to around 50k with enough salary) into it. I have one through fidelity and the consensus seems to be they are better than vanguard for solo 401k. It was easy to open. You can live on any cash you have ...
by schmitz
Mon Nov 04, 2013 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio advice - am I on the right track?
Replies: 20
Views: 1882
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