Search found 42 matches

by Crisium
Wed Jul 19, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2176

Re: 18 year old first credit card recommendations

It's important to remember the OP is the important one to have the conversation with, not necessarily the general posters. Rai already responded that the daughter will pay it off in full, and that the daughter already has a credit card (in the parents name). For a general discussion you make valid p...
by Crisium
Wed Jul 19, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2176

Re: 18 year old first credit card recommendations

I got one in college (although not until Junior year) specifically to gain credit knowing eventually I'd need a car. Great decision. Just paying that off for a couple years helped me qualify for a low rate loan once I got a job. All it takes is the simple understanding that you must pay it off in fu...
by Crisium
Mon Jul 17, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Help with my Moms IRA, age 70 with 90% stocks
Replies: 21
Views: 1686

Re: Help with my Moms IRA, age 70 with 90% stocks

Vanguard Wellesley has historically easily beaten 3.5%, and done decent during downturns. VWIAX. About 2:1 Bonds:Stocks, actively managed. A good hope for beating the loan while mitigating "all-time stock highs" fear. Also, the all bond actively managed PIMIX with its star manager also has...
by Crisium
Thu Jul 13, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 75
Views: 8902

Re: % bogleheads of overall population

Some bogleheads cannot contribute that much. I can't.
by Crisium
Fri Jun 30, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ally raised their savings account rate to 1.15%
Replies: 18
Views: 2879

Re: Ally raised their savings account rate to 1.15%

Very nice. This is more the gap I expected Ally to be behind the rate leaders which are often either teaser rates, newer banks, or lower reputation banks. Ally is solid.
by Crisium
Fri Jun 30, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Russell 2500 Index?
Replies: 3
Views: 398

Re: Thoughts on Russell 2500 Index?

My 401k is similar. I do 75% S&P 500 and 25% Russell 2500. A number of the top 10 holdings in the R2500 are in the SP500, so I didn't want to quite do 80:20 as I felt that would overweight the SP500 slightly (if that would even be perceivable).
by Crisium
Tue Jun 20, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 142
Views: 8007

Re: Any BHs Had Experience With the Honda Fit?

I have a 2013 model. The highway sound is outrageous. I rarely drive in the highway for an extended time. I did drive 21 hours in a 2 day period, however, and it got annoying fast especially as I wanted to listen to music over it. I am under 30, so this is not an "old person comment". It i...
by Crisium
Tue Jun 20, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8359

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Respectfully, title does not say it all.

$25,000 minimum.
by Crisium
Tue Jun 13, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 3482

Re: Roth 401k > Traditional 401k

All around us are recommendations for retirement savings rates. 15% is common, even here. Whether you select 15% into R-IRA or T-IRA you will see the exact same in your IRA account. But almost certainly the Roth will be worth more when it comes to withdrawal, unless you can manage 0% taxes due durin...
by Crisium
Tue Jun 13, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 3482

Re: Roth 401k > Traditional 401k

I literally mean $1 in both accounts, period.

I am aware that the $1 into Roth costs taxes initially.
by Crisium
Tue Jun 13, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 3482

Re: Roth 401k > Traditional 401k

Very true. $1 in a traditional cannot be worth more than $1 in a Roth. That is an impossibility. The inverse is not true. They can be equal with masterful planning, of course. Kudos to those with a 6 or 7 figure traditional retirement account that they have drawn from for years and years and never p...
by Crisium
Fri May 26, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on REITs
Replies: 66
Views: 7336

Re: Larry Swedroe on REITs

are we supposed to chuck our investment plan after ever new study or stay the course? :confused Stick to the plan. From article: At the very least, investors should be aware that REITs are now more vulnerable to an increase in interest rates and/or an economic contraction, and it’s important to sti...
by Crisium
Thu Mar 23, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 22
Views: 2852

Re: Emergency Fund...Savings, Money Market, or CD?

Just a note -- thanks to another post on here, it showed that the 5-year CD at 2.3% beats the 2-year CD in almost all scenarios, even factoring in the 6-month early withdrawal penalty. See here: https://www.depositaccounts.com/tools/ewp-calculator.aspx?ids=265239,265241,265243,265244,265245 Term 12...
by Crisium
Wed Mar 22, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 22
Views: 2852

Re: Emergency Fund...Savings, Money Market, or CD?

Some good websites:

http://www.doctorofcredit.com/high-inte ... gs-to-get/
https://www.depositaccounts.com/

If you don't mind a lot of hoop jumping, the various rewards checking accounts can offer high rates. For no-nonsense, 1.25% appears to be the high end.
by Crisium
Fri Mar 17, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 16
Views: 1558

Re: Emergency Fund

Recent thread of PurePoint 1.25%, minimum $10,000, no gimmicks: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=212045 Good site that's updated monthly or so to shop around: https://www.depositaccounts.com/ Keep in mind a lot of the very high rates, such as Rewards Checking, have strict re...
by Crisium
Thu Mar 16, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 54
Views: 9553

Re: PurePoint 1.25% online savings $10K min

Was anyone able to find their early CD withdrawal penalty?
by Crisium
Wed Mar 15, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 9263

Re: Do you avoid international investing like Jack Bogle?

That's a poor way to view it. Tilting is TSM having value in it and you want to put a little more in value, so you buy a little extra. Having no international stocks in TSM and then adding 10% is like, what's the point? :happy Perhaps my terminology was incorrect. I consider that some of the compan...
by Crisium
Tue Mar 07, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Could the TSP solve the retirement crisis?
Replies: 4
Views: 919

Re: Could the TSP solve the retirement crisis?

Things here I don't like: Mandatory 1% Mandatory at least 50% G Fund The average American has low retirement accounts. Yes, but why? Even an IRA is available for all without a 401k. Debt and financial awareness. The forced 1% covers the awareness (you'll contribute whether you understand it benefits...
by Crisium
Tue Feb 28, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 89
Views: 7517

Re: Compounding under the microscope.

“A piece of paper is folded in two, then in half again, and again and again. How thick will it be after fifty folds?…Take an astronomical guess. What would be a ridiculous number? Well, if we assume that a sheet of copy paper is approximately .004 inches thick, then its thickness after fifty folds i...
by Crisium
Tue Feb 28, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: Explanation Needed from "How to Think about Money"
Replies: 9
Views: 1183

Re: Explanation Needed from "How to Think about Money"

People do seem to play mental accounting with dividends. Good article from Larry Swedroe a few days ago: http://www.etf.com/sections/index-investor-corner/swedroe-investors-odd-affection-dividends In other words, do investors behave as if dividends are a free lunch? They found that by creating a sep...
by Crisium
Fri Feb 24, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: Credit Suisse Yearbook 2017
Replies: 27
Views: 2623

Re: Credit Suisse Yearbook 2017

Boy - page 9 makes me glad I dumped those Railroad-sector stocks (~65% of the US market) I held back in 1900 before well before we got to 2017. I think my century long railroad sector overweighting has payed off. "For example, we noted above that, in stock market terms, railroads were the ulti...
by Crisium
Fri Feb 24, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?
Replies: 32
Views: 3153

Re: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?

Larry just released a dividend article today, actually: http://www.etf.com/sections/index-investor-corner/swedroe-investors-odd-affection-dividends My conclusion/interpretation: dividend stock chasing is never logical, but can be very rational. Humans are not Vulcans, after all. ... Last poster brou...
by Crisium
Sat Feb 18, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: High valuations - still worth buying?
Replies: 9
Views: 1080

Re: High valuations - still worth buying?

1996 and 1997. From: https://www.bogleheads.org/forum/viewtopic.php?t=209727 Anyway, I personally think, sure, yeah, the market is probably overvalued but I'm not taking any action on that belief . The last time I did that, I reduced my stock allocation--not to zero, not even a lot, but I reduced it...
by Crisium
Tue Feb 14, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 6747

Re: Closed my Roth IRA due to political uncertainty - mistake???

Wellesley is a popular actively managed fund (several new threads recently on this 40 year old fund) that lost money in 2008, but less than stock heavy funds even though it is close to 40% stocks: https://personal.vanguard.com/us/funds/snapshot?FundId=0027&FundIntExt=INT It's solid past run is a...
by Crisium
Tue Feb 14, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 11438

Re: Bogleheads not the norm?

This survey says 62% have less than $1,000 in savings accounts: https://www.gobankingrates.com/savings-account/62-percent-americans-under-1000-savings-survey-finds/ I read savings account as = emergency fund here. This is not counting retirement accounts. Some Fed results from a few years ago: https...
by Crisium
Tue Feb 14, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 20% into cash
Replies: 32
Views: 3030

Re: Moving 20% into cash

Maybe you should take this as a sign to stick with 80/20 as an allocation whether in good times or in the bad. Lock in the gains in the good times, such as you did now, and buy low when the market is not so good. Or if you intend to dynamically switch between 100/0 and 80/20 based on your feelings (...
by Crisium
Tue Jan 31, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 18729

Re: Betterment just raised their costs.

Interesting article on Robo's from last year. Basically, doomed:

https://www.kitces.com/blog/robo-adviso ... ion-costs/
by Crisium
Tue Jan 31, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: Is a total market fund the most diversified
Replies: 157
Views: 15108

Re: Is a total market fund the most diversified

You mentioned that equal weight was initially intended but abandoned in favor of market cap S&P 500. I thought you were going to go into equal weighted indexes. No comment on the equal weighted RSP? I thought you might go there for a bit. I’ve heard criticism of this fund for high expense ratios...
by Crisium
Thu Jan 26, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services vs Roboadvisors
Replies: 7
Views: 691

Re: Vanguard Personal Advisor Services vs Roboadvisors

^Betterment took some heat for a temporary pause during the Brexit vote aftermath.

https://www.google.com/webhp?#q=betterment+brexit
by Crisium
Thu Jan 26, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k fees - worth it?
Replies: 6
Views: 742

Re: My 401k fees - worth it?

Isn't there a 3rd option? Roll over to an IRA with a wider selection of low cost index funds than your current 401K and also no extra fee?
by Crisium
Thu Jan 26, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Dow hits 20,000. What next? Share your strategy
Replies: 107
Views: 9791

Re: Dow hits 20,000. What next? Share your strategy

Figured it's a good time to get back into Tulips.
by Crisium
Thu Jan 19, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 3656

Re: Never had a credit card, should I get one?

No, you're right it does feel weird. Feels weird that the credit card companies are paying me to borrow their money. :moneybag

Good weird though, so I won't say anything to dissuade them (and they make money on transaction fees on merchants anyhow, so I don't feel bad).
by Crisium
Thu Jan 19, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 3656

Re: Never had a credit card, should I get one?

With gas around $2.50 per gallon or more, my 5% off gas card (category only) is 12.5 cents per gallon. Very hard to beat CC rewards. And as for helping the OP, his own calculations are for $400, although it could be less. Even if it's $100 per year, if he does that every year for 30 years that could...
by Crisium
Thu Jan 19, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 3656

Re: Never had a credit card, should I get one?

I don't see how one pays for travel expenses and buys stuff online without a credit card . It has to be a real hassle. So yes, join the revolution and get a credit card... I've never had a problem doing all of these things with a debit card. That's what I mean by wondering if the CC is "worth&...
by Crisium
Thu Jan 19, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 3656

Re: Never had a credit card, should I get one?

Credit cards "reward" at 2% and charge interest at 14%. If you screw up just once and get that 14% hit, it takes many 2% rebates to make up for it! Your putting yourself through this over $350 - $400 a year. If the money is that important to you cut some grass, shovel some snow, take an e...
by Crisium
Tue Jan 17, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: When is a 401k not worth it?
Replies: 32
Views: 2374

Re: When is a 401k not worth it?

If you want to be very equity heavy, I'd consider investing 100% in the low fee (yes, .11 ER is low, nothing to complain about even if it's not the best ever) S&P 500. But also, max out your Roth at a lower ER company like Schwab or Vanguard. Use this for diversification. So you'd have 5.5k here...
by Crisium
Fri Jan 13, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar-Cost-Average over HOW MANY years?
Replies: 61
Views: 4576

Re: Dollar-Cost-Average over HOW MANY years?

And what if stock rise fairly steadily over 24 months? Then you lost the gamble. You have bought fewer shares with the same amount of cash, and received fewer dividends. I'm not opposed to DCA. Of all possible things, lump summing the day before a correction is the worst possible thing. But DCA is n...
by Crisium
Thu Jan 12, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Robo-advisors vs Vanguard
Replies: 36
Views: 5880

Re: Robo-advisors vs Vanguard

So I setup my first IRA at Wealthfront in April last year (2015 all in, 2016 mostly DCA'd). Signing up with a referral from someone else (which I'll happily offer you if you aren't dissuaded my me), the first $15K actually has no fee. But, there's still cash drag. My dividend payments came in late D...
by Crisium
Wed Jan 11, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 29601

Re: USAA 2.5% Cash Back Credit Card

Oh yeah, gotta thank you guys for pointing this out. I got it a little over a month ago and having 2.5% on anything is quite the upgrade. I was using a USAA Amex with 5% gas, 2% groceries, and 1% everything else. So now I just use that for gas.
by Crisium
Wed Jan 04, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 24627

Re: Vanguard Customer Service

I had a terrible time attempting to set up a Roth IRA account. Not proceeding with this company, even though it is the de facto sponsor of this website (while John Bogle is Saint Jack, his former company might as well be a Church), and every modern portfolio theory website. I don't take kindly to gi...
by Crisium
Tue Jan 03, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1301

Re: Vanguard Target Date funds - asset alloc

If you're looking for reassurance on international, then there's a chance this'll turn into one of those threads where everyone chimes in with recommending between 0%-50%. Good luck. But if you have an idea of what you want to do...since it's an IRA though, you can buy other funds that basically mim...
by Crisium
Tue Jan 03, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10960

Re: Max It Out Tomorrow

Can someone explain this to me? Just curious. Thanks. Toons did when he said "Time. Not timing." You want to maximize your "time" invested, you don't want to try to get into market "timing". :beer But Dollar Cost Averaging is *not* market timing, as long as you are act...

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