Search found 603 matches

by Fieldsy1024
Fri Nov 25, 2016 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating New Car Purchase
Replies: 34
Views: 3527

Re: Negotiating New Car Purchase

Email, let all who want to play the bidding game know the best price. The number usually drops pretty fast after the 1st or 2nd offer.
by Fieldsy1024
Fri Nov 25, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: Brokerage Account at VG (terms needed to understand)
Replies: 12
Views: 889

Re: Brokerage Account at VG (terms needed to understand)

Yes, you still aren't clarifying what the issue is. What exactly is the fund or asset class you want to buy? Unless you have some relatively exotic asset class that you want to own, you should be able to get what you want in the mutual fund version in a Vanguard Roth IRA. Then you don't have to wor...
by Fieldsy1024
Thu Nov 24, 2016 3:27 pm
Forum: Investing - Theory, News & General
Topic: Brokerage Account at VG (terms needed to understand)
Replies: 12
Views: 889

Re: Brokerage Account at VG (terms needed to understand)

Perhaps you have an old Vanguard Mutual Fund account that has not been upgraded to a brokerage account yet, so you can only buy mutual funds in it instead of stocks/etfs? Is that what you mean? See this page about upgrading to a brokerage account if that is the case. https://investor.vanguard.com/i...
by Fieldsy1024
Thu Nov 24, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Brokerage Account at VG (terms needed to understand)
Replies: 12
Views: 889

Re: Brokerage Account at VG (terms needed to understand)

What do you mean that the funds are not available in a Roth IRA? A Brokerage account can be in a Roth or Traditional IRA or a taxable account, and the same funds would be available to buy in each. The cost to purchase the funds would vary depending on where the account is located, ie, if at vanguar...
by Fieldsy1024
Thu Nov 24, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: Brokerage Account at VG (terms needed to understand)
Replies: 12
Views: 889

Brokerage Account at VG (terms needed to understand)

Hello, I was curious in opening a Brokerage Account at VG to purchase some funds that are not available in a Roth IRA. I am just confused about the Market, Limit, Stop Limit, GTC etc.... I didn't put in much money at all just in case it isn't for me. I basically wanted to purchase a fund, and add to...
by Fieldsy1024
Wed Nov 23, 2016 4:38 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: The Three-Fund Portfolio

Honestly, even though 15% is still a bit agressive, I'd still give Bonds a shot for a while and see why so many people like them. Since I bought bonds, it dropped about 80 bucks.
by Fieldsy1024
Wed Nov 09, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: The Three-Fund Portfolio

After Trump winning, does my Total Stock Admiral 70% Total Bond Index 15% Total Int'l 15% still look ok? This is my first election where I had a Roth IRA Thanks in advance Fieldsy Of course. You don't go running around changing asset allocations due to elections. I can't comment on whether or not t...
by Fieldsy1024
Wed Nov 09, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: The Three-Fund Portfolio

After Trump winning, does my
Total Stock Admiral 70%
Total Bond Index 15%
Total Int'l 15%

still look ok? This is my first election where I had a Roth IRA

Thanks in advance



Fieldsy
by Fieldsy1024
Mon Nov 07, 2016 7:09 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: The Three-Fund Portfolio

CABob wrote:
Fieldsy1024 wrote:Tired of experimenting, sticking with this 3 fund. 75% Stock, 15% Bond, 15% Int'l Stock

105% ought to do well.
:twisted:


Rats, I meant 70%
by Fieldsy1024
Sun Nov 06, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: The Three-Fund Portfolio

Tired of experimenting, sticking with this 3 fund. 75% Stock, 15% Bond, 15% Int'l Stock
by Fieldsy1024
Mon Oct 31, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: The Three-Fund Portfolio

I am at 80% VTSAX Total Stock Admiral and 20% Total Int'l Inv.

I am 32, but every couple of years I will slowly start the Bond process.
by Fieldsy1024
Thu Oct 06, 2016 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: 30 yr mortgage, but pay like a 15 yr?
Replies: 55
Views: 5967

Re: 30 yr mortgage, but pay like a 15 yr?

30 years unless you put down a lot of money 20-30% and are very secure.

I am 30 years, and pay extra Principal I do it. Crap happens in life and building more of a safety net.
by Fieldsy1024
Wed Oct 05, 2016 6:22 pm
Forum: Investing - Theory, News & General
Topic: Brokerage Account at VG
Replies: 7
Views: 697

Re: Brokerage Account at VG

I tried selling my one brokerage fund into my settlement fund (where i can add to my bank) but it doesn't go through
by Fieldsy1024
Wed Oct 05, 2016 5:31 pm
Forum: Investing - Theory, News & General
Topic: Brokerage Account at VG
Replies: 7
Views: 697

Re: Brokerage Account at VG

I'm just asking questions.

If I put 1,000 in a Brokerage Account and say I want to pull out at 1200, can I just transfer back to my bank?

What times or how often can I buy/trade/exchange/withdraw funds/money?
by Fieldsy1024
Wed Oct 05, 2016 2:36 pm
Forum: Investing - Theory, News & General
Topic: Brokerage Account at VG
Replies: 7
Views: 697

Brokerage Account at VG

Hello, I was just wondering how(if) I can take my money out of this account. I am also wondering how to transfer one fund to buy the other fund within the same account. I am wondering that if I sell some from my Roth IRA, will I get hit with the 10% if it is my money (not earnings/interest). Any oth...
by Fieldsy1024
Tue Sep 27, 2016 11:22 pm
Forum: Investing - Theory, News & General
Topic: What stocks can I buy when it comes to Marijuana?
Replies: 49
Views: 4728

What stocks can I buy when it comes to Marijuana?

I am just curious is VG has any of their own funds. If not, is it possible?
by Fieldsy1024
Thu Sep 01, 2016 12:10 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184820

Re: What are you up YTD? [Year To Date]

How can I check my number for this?

Thanks
by Fieldsy1024
Wed Aug 31, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 10243

Re: How do you organize your finances? Do you use Mint.com?

I think the "hacker" risk in Mint has more to do with them getting your logins and personal info and stealing your identity more than a virus making its way to your computer. There is zero risk of that happening. Yeah I am just wondering. I just love how easy to use it is, but I don't min...
by Fieldsy1024
Wed Aug 31, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 348
Views: 64717

Re: Anyone regret paying off mortgage early?

I was paying an extra 300-400 a month on my home, but I started reading and learning about investing. I couldn't believe that my money would be better off elsewhere (Vanguard, extra in 401k). I am at 3.25% for my mortgage. I see it as if the market is just moving along on average above that number, ...
by Fieldsy1024
Wed Aug 31, 2016 10:06 am
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 10243

Re: How do you organize your finances? Do you use Mint.com?

For those of you who do it with simple pen and pad, how do you go about it? How often do you update it? What kind of accounts do you include? For example, my house worth on Mint.com changes from time to time. I don't really look at it much since it probably is just a ballpark figure. I think Excel u...
by Fieldsy1024
Wed Aug 24, 2016 1:05 am
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 68
Views: 8912

Re: This is why a 100% stock allocation is a bad idea

During the crisis there were people on here with an equity:bond split who sold when they were down, because they decided their allocation had been too aggressive, and they would rather sell at a low than risk being further down. Well one in particular that I remember. And I would say most posters c...
by Fieldsy1024
Tue Aug 23, 2016 11:43 pm
Forum: Investing - Theory, News & General
Topic: Are there other reasons besides volatility to avoid 100% equities?
Replies: 115
Views: 7767

Re: Are there other reasons besides volatility to avoid 100% equities?

I simply invest in 100% stocks, because I don't see a huge difference if I had 15% in Bonds. After 10 years, maybe I might add some bonds to my portfolio. I am completely content if a bear market starts to happen and last for years.
by Fieldsy1024
Mon Aug 22, 2016 8:30 am
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 68
Views: 8912

Re: This is why a 100% stock allocation is a bad idea

Seems more like a lesson why it's a bad idea to borrow from your 401k. +1 Even a young investor like myself knows that if you go 100% stock, you better have a nice emergency fund. I'm 100% into stocks and whatever happens, happens. I live my life taking risks on everything. Sometimes it doesn't pla...
by Fieldsy1024
Sat Aug 20, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 68
Views: 8912

Re: This is why a 100% stock allocation is a bad idea

Seems more like a lesson why it's a bad idea to borrow from your 401k. +1 Even a young investor like myself knows that if you go 100% stock, you better have a nice emergency fund. I'm 100% into stocks and whatever happens, happens. I live my life taking risks on everything. Sometimes it doesn't pla...
by Fieldsy1024
Wed Aug 10, 2016 12:32 am
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 3041

Re: Do you have a handyman?

I'm good at laying some pipe....that qualify?
by Fieldsy1024
Tue Aug 09, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 13166

Re: Better than amazon??

Looks like I am the only one who has stopped buying from Amazon after NYT's article on how disgusting their policies are. That article proved that Amazon is nothing more than a glorified Walmart. Sit tight, it's gonna get better. Walmart is buying Jet. :? http://news.walmart.com/2016/08/08/walmart-...
by Fieldsy1024
Tue Aug 09, 2016 8:45 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 13166

Re: Better than amazon??

Looks like I am the only one who has stopped buying from Amazon after NYT's article on how disgusting their policies are. That article proved that Amazon is nothing more than a glorified Walmart. Sit tight, it's gonna get better. Walmart is buying Jet. :? http://news.walmart.com/2016/08/08/walmart-...
by Fieldsy1024
Tue Aug 09, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 13166

Re: Yup

Amazon has 10 times more items. I'd rather stick to using just one site than checking 5 different sites. Bingo! I don't even care about Amazon charging sales tax. For me, convenience is what I seek. Well then, Amazon has you right where they want you - and they probably deserve that loyalty to some...
by Fieldsy1024
Mon Aug 08, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 13166

Re: Better than amazon??

I find that amazon's prices beat others a majority of the time, plus I save time, gas, and 5% with their credit card. 2 day shipping as well as credits for delayed shipping for items I don't care much about. Im getting 5% for Amazon buys 3% for gas, drug stores, restaurants, etc 1% anything else :s...
by Fieldsy1024
Wed Aug 03, 2016 8:29 am
Forum: Investing - Theory, News & General
Topic: How can markets keep going up ?
Replies: 131
Views: 10018

Re: How can markets keep going up ?

How can the markets not stagnate permanently if they become overvalued. Like the Dow is at 18,530 now. Well on Sept 1, 2007 it was at 13,895. So what if they said then that it was overvalued. How could the Dow ever continue up. Since the trend is that the stock market continues to rise over time do...
by Fieldsy1024
Mon Jul 25, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Disbursement?
Replies: 4
Views: 2571

Re: Equity Disbursement?

Image
by Fieldsy1024
Mon Jul 25, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Disbursement?
Replies: 4
Views: 2571

Equity Disbursement?

The Lender's I refinanced my mortgage a couple years ago have sent me a letter saying I was eligible for 11,330.70 through my FHA loan. I tried to read up on this, but I figured a lot of smart people are on this forum :)

I have no clue what it is.
by Fieldsy1024
Sun Jul 24, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Visiting Acadia National Park - Tips?
Replies: 22
Views: 1662

Re: Visiting Acadia National Park - Tips?

Caddy Mountain at sunrise!!!!

I have a bunch of pics from various areas, I can send them to you of you want. I love Maine so much.
by Fieldsy1024
Sun Jul 24, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 2672

Re: Tires for Honda Civic

I go to a place in Delaware (forget the name, but tax free). Anyways, tires on a car is one of the things I get top of the line, or close to it. My life is worth more than saving a few bucks if your tires are awful in rain, snow, traction, etc. Plus it makes the ride much much smoother. For a Civic,...
by Fieldsy1024
Tue Jul 19, 2016 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Used car buying tips
Replies: 13
Views: 1336

Re: Used car buying tips

Don't unless its under 3 years old.
by Fieldsy1024
Mon Jul 18, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6715

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

I didn't read about half of this thread, but my old apartment had the worst unit. A guy I work with had a similar issue. He bought one of those floor fans you can angle that has high power. Then he got a big bowl of ice cubes to put right under it, aimed the fan 45 degrees toward the area you hang o...
by Fieldsy1024
Sun Jul 17, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Real career path for a 23 yr old with no college degree
Replies: 50
Views: 5502

Re: Real career path for a 23 yr old with no college degree

Being personable is a good skill, but I don't think it's enough to build a career on. Virtually any white collar job, including sales, is going to require a college degree. I can't speak for other areas of the country, but this simply isn't true around here. My wife is only one example of a success...
by Fieldsy1024
Sat Jul 16, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 12885

Re: What kind of car do Bogleheads like to drive?

One where you won't have any car payments.
by Fieldsy1024
Sat Jul 16, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 213
Views: 30760

Re: 23 year old... Can I afford a Rolex?

jimb_fromATL wrote:
Marjimmy wrote:I'm not a big spender.


I'm not sure it's even legal to say "I'm not a big spender" in the same discussion about buying a Rolex watch. :?

jimb


Exactly what I was laughing at haha.

I'm not a big spender, can I buy a Lexus?
by Fieldsy1024
Wed Jul 13, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 13911

Re: Are you going to shop on Prime Day?

I bought stuff I needed, even if I didn't need it right now, it was such a great deal. I bought $175 dollars worth of items and with the discounts (also -30 bucks if I spend over 150). The total price came to $102.95

Couldn't beat it.
by Fieldsy1024
Mon Jul 11, 2016 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Making money at home (not your primary job, possibly)
Replies: 13
Views: 2597

Re: Making money at home (not your primary job, possibly)

Madbrain hit the nail on the head. I tried those surveys deal....no dice.
I wish I could help a real company to make some extra dough.

I'm back at work finally (broken arm) and don't need it, but I'm pretty nifty on the PC.
by Fieldsy1024
Sat Jul 09, 2016 11:14 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 103
Views: 6312

Re: What's your asset allocation and why?

age: 31
401k: 60% SP 500, 10 Russ 2000, Boeing Stock 15%, Int'l 15%

VG: Soon to be 80% VTSAX/20%Int'l Stocks
by Fieldsy1024
Sat Jul 09, 2016 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Making money at home (not your primary job, possibly)
Replies: 13
Views: 2597

Making money at home (not your primary job, possibly)

I was just wondering if people out there have made a nice chunk of change...even counting it as your real/only job.

What do you do?

I am curious. I see so many surveys, but I don't see jobs where they actually pay out.
by Fieldsy1024
Fri Jul 08, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 9129

Re: synthetic oil changes

Would two oil changes per yr be better on gas as opposed to one time a year?
by Fieldsy1024
Fri Jul 08, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: The Three-Fund Portfolio

I don't understand the concept expressed here of "testing myself" or "trying out" an asset allocation. This is not attempting to run a mile 15 seconds faster than you did before to test yourself or trying out a certain model of car to see if you like it. The important features o...
by Fieldsy1024
Fri Jul 08, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: "Why Buy Bonds?"

If I wanted to test myself by taking out the bond portion of this portfolio, would going 80 VTSAX/ 20 Int'l be something that might be a good portfolio (for someone who wants 100% stocks)? Yes. I think it would be an excellent all-stock portfolio. However, I believe there are very few investors who...
by Fieldsy1024
Fri Jul 08, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1632
Views: 862452

Re: The Three-Fund Portfolio

If I wanted to test myself by taking out the bond portion of this portfolio, would going 80 VTSAX/ 20 Int'l be something that might be a good portfolio (for someone who wants 100% stocks). I'd like to try it, but would like to hear from Taylor and others who have a lot of experience with this 3 fund...

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