Search found 102 matches

by RRAAYY3
Sat Aug 19, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 17
Views: 2199

Re: Leasing a vehicle

I need a car for work - can i write off lease payments/gas? i'd say 90% of my miles are work related ... if i buy, would i still be able to benefit on my taxes?
by RRAAYY3
Fri Aug 18, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

bought some more of this "freefall" ... because i don't plan on opening my "wallet" for 20 years.
by RRAAYY3
Fri Aug 18, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: FTSE and NIKKEI Indexes
Replies: 11
Views: 466

Re: FTSE and NIKKEI Indexes

looks like int'l is up today ... total us index it is
by RRAAYY3
Fri Aug 18, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: FTSE and NIKKEI Indexes
Replies: 11
Views: 466

Re: FTSE and NIKKEI Indexes

Most international markets were down today, but their today has passed, while time marches on, and new information is available to market participants. There's also currency differences for funds that don't use currency hedging. It's not unusual for the foreign market to be up but the USD-denominat...
by RRAAYY3
Fri Aug 18, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: FTSE and NIKKEI Indexes
Replies: 11
Views: 466

Re: FTSE and NIKKEI Indexes

thanks everyone! If I understand correctly, int'l actually went up for the day? https://www.google.com/search?hl=en&source=hp&q=vxus&oq=vxus&gs_l=psy-ab.3..0i131k1j0l3.3439.4075.0.4333.7.5.0.0.0.0.109.427.4j1.5.0....0...1.1.64.psy-ab..2.4.360.0.MPHMHJB-V7Q This is up to date? CNBC says Asia/Europe c...
by RRAAYY3
Fri Aug 18, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: FTSE and NIKKEI Indexes
Replies: 11
Views: 466

Re: FTSE and NIKKEI Indexes

Why not just track the total international ETF (VXUS)? excellent idea - is there a site with up to date data? yahoo finance? just to double check ... i can wait til 4PM EST in order to execute today's prices? i'm making contributions regardless / just trying to determine whether it does US/Int'l
by RRAAYY3
Fri Aug 18, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: FTSE and NIKKEI Indexes
Replies: 11
Views: 466

Re: FTSE and NIKKEI Indexes

Thank you! I've just been going off my CNBC app - don't think either are included.

Thanks again and happy Friday BH!
by RRAAYY3
Fri Aug 18, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: FTSE and NIKKEI Indexes
Replies: 11
Views: 466

FTSE and NIKKEI Indexes

Would tracking FTSE (Europe) and NIKKEI (Asia) give me a rough estimate of Total International Stock Performance daily?

All it's done is drop since I bought Admiral Shares, I'd like to keep buying up cheaper shares to reduce my cost basis - just finding it hard to track daily movements in time to buy
by RRAAYY3
Thu Aug 17, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

Start of free fall? Please? I get paid in a few days ...
by RRAAYY3
Tue Aug 15, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8635

Re: When does renting make sense

+1 KlangFool A house is not an investment, it is an expense. Most folks josh themselves into thinking they are making money when they sell it for more than they paid. But they also conveniently ignore the costs of buying and selling, and all the maintenance they paid for and/or performed. If you ta...
by RRAAYY3
Tue Aug 15, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 56
Views: 6913

Re: 30,000 in Checking Account

Max in Roth asap. Buy Admiral Shares Total US + Total Int'l in taxable ... 5K in ally Contribute monthly to whichever of those funds drops You're young - if you have a stable job, be aggressive Admiral shares is 10k each, so 20k total. Don't have enough to invest that much at this time apologies .....
by RRAAYY3
Mon Aug 14, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 56
Views: 6913

Re: 30,000 in Checking Account

Max in Roth asap. Buy Admiral Shares Total US + Total Int'l in taxable ... 5K in ally

Contribute monthly to whichever of those funds drops

You're young - if you have a stable job, be aggressive
by RRAAYY3
Mon Aug 14, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7853

Re: Are we house poor? [Property Tax Madness]

6K property tax? It's double that in my area - at least double.
by RRAAYY3
Mon Aug 14, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Total Int'l Stock Index - how to track?
Replies: 15
Views: 1176

Re: Total Int'l Stock Index - how to track?

There is nothing wrong with trying to "buy low", but I have 2 comments. 1. If you are investing monthly, you need to benchmark the price monthly. What if the market was down 30% in the last 3 weeks but has rebounded 5% today? That is certainly "stocks on sale" territory - I would do a lot more than...
by RRAAYY3
Mon Aug 14, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Total Int'l Stock Index - how to track?
Replies: 15
Views: 1176

Re: Total Int'l Stock Index - how to track?

Total Stock and Total International are up about 10% and 17% respectively YTD. What if you hadn't done the slow unwinding of your cash this year and just put it all to work in January? Time in the market, not timing.... i ditched my advisor in March and have been slowly but surely becoming more inv...
by RRAAYY3
Mon Aug 14, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Total Int'l Stock Index - how to track?
Replies: 15
Views: 1176

Re: Total Int'l Stock Index - how to track?

There is nothing wrong with trying to "buy low", but I have 2 comments. 1. If you are investing monthly, you need to benchmark the price monthly. What if the market was down 30% in the last 3 weeks but has rebounded 5% today? That is certainly "stocks on sale" territory - I would do a lot more than...
by RRAAYY3
Sun Aug 13, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Total Int'l Stock Index - how to track?
Replies: 15
Views: 1176

Re: Total Int'l Stock Index - how to track?

I now have total us / total int'l in my taxable ... I guess what i could do is ignore, then when I go make my monthly contribution, put it into whatever has dropped more (or has thrown off my target allocation) Basically let the markets tell me which 1 gets my monthly contribution - I was simply ask...
by RRAAYY3
Sun Aug 13, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Total Int'l Stock Index - how to track?
Replies: 15
Views: 1176

Re: Total Int'l Stock Index - how to track?

Thanks I assume the changes in value would also be relevant for the Admiral Share mutual fund? (Maybe not actual #\$ amount - just reflective of big drops/gains) I appreciate sparing me the market timing rhetoric ... I've been slowly but surely unwinding my cash this year - and will continue to do s...
by RRAAYY3
Sun Aug 13, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Total Int'l Stock Index - how to track?
Replies: 15
Views: 1176

Total Int'l Stock Index - how to track?

US Citizen, Eastern time zone (markets 4PM) ... is there a way to track the total int'l index prior to market close in order to determine daily performance? I plan to DCA into this over the next month or so ... I'd like to not do it so blindly.
by RRAAYY3
Sat Aug 12, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

Warren Buffett has said to keep on investing no matter what unless a nuclear event comes that will destroy everything. That was in one of his annual reports. Why stop investing just because of a nuclear war? If it wipes things out, then it doesn't matter if you pulled your money out of the market. ...
by RRAAYY3
Sat Aug 12, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

it was sort of depressing to buy up admiral shares of int'l and then instantly watch it plummet ... rather than cry, bought 2K more ... and i'll do it again Monday if need be International is plummeting? That's news to me. My Vanguard Roth is invested in the Emerging Markets Stock Index Fund, Europ...
by RRAAYY3
Sat Aug 12, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

Not to belabor the obvious, but the lesson here amidst this new period of uncertainty and fear (even with only a minor market decline so far) is that those who confidently say that they have 80/90/100% of their portfolio in equities with no worries perhaps are not the best role models for the avera...
by RRAAYY3
Fri Aug 11, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

Please remember that buying on the dip is fine but it will turn into a real bear market at some point which no one knows yet. So if you buy "don`t peek" afterwards as it`s easier on the nerves and creates more emotional stability. and if/when that bear comes ... buy up even more! I have a long inve...
by RRAAYY3
Fri Aug 11, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

it was sort of depressing to buy up admiral shares of int'l and then instantly watch it plummet ... rather than cry, bought 2K more ... and i'll do it again Monday if need be
by RRAAYY3
Fri Aug 11, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Home Ownership / Investing
Replies: 18
Views: 853

Re: Home Ownership / Investing

i've always been good with saving - now i'm just finally making "adult money" and i'm torn on using my large cash reserve towards a down payment [like i've been told to do for most of my life - american dream and such) or "unwinding" my cash reserve into my taxable account - DCA'ing into total us/to...
by RRAAYY3
Fri Aug 11, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

lostdog wrote:U.S. up international down. :)
my translation: watch US balance rise, buy more Int'l. Happy Friday!
by RRAAYY3
Fri Aug 11, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Home Ownership / Investing
Replies: 18
Views: 853

Re: Home Ownership / Investing

Thanks BH. I would never consider putting less than 20% down ... it just seems like the more knowledge I gain regarding investing (thank you all, again) - the more buying a home feels not so smart - to put it nicely. I think a lot may have to do with the "social norm" of buying a home equating to th...
by RRAAYY3
Fri Aug 11, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Home Ownership / Investing
Replies: 18
Views: 853

Home Ownership / Investing

I've done quite a bit of research lately as more and more friends/couples in my social circle buy homes and/or move back to their parents in order to save for this "American Dream" ... all i hear from older folks is how it's an "investment" and you should put as much money down as possible. In readi...
by RRAAYY3
Fri Aug 11, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 994397

Re: U.S. stocks in freefall

this is all just bluster from 2 men who ... nevermind. all i know is i will keep buying up international's drop and may just throw another 1K into US should this continue to drop.
by RRAAYY3
Thu Aug 10, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7612

Re: Still Buying As planned Regardless Of The World Situation

Remind yourself that this world has always been crazy, there just wasn't twitter before ... buy the dips ...

If disaster does strike, your AA is irrelevant anyway
by RRAAYY3
Wed Aug 09, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7612

Re: Still Buying As planned Regardless Of The World Situation

so ... with this in mind ... does anyone know when, based on eastern standard time - vanguard's total international stock index "closes". i know i can buy total us before 4pm closing ... just curious as to what for total int'l put another 1K in this morning for int'l (literally first thing i did to...
by RRAAYY3
Wed Aug 09, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7612

Re: Still Buying As planned Regardless Of The World Situation

so ... with this in mind ... does anyone know when, based on eastern standard time - vanguard's total international stock index "closes". i know i can buy total us before 4pm closing ... just curious as to what for total int'l put another 1K in this morning for int'l (literally first thing i did tod...
by RRAAYY3
Tue Aug 08, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8635

Re: When does renting make sense

at 32, a lot of my friends are buying homes ... all i see is the same circle of people high fiving and congratulating each other ... while i continue to invest rather than put money into that seemingly never-ending sink hole. i'm also so sick of hearing about how a house is "an investment" - no, it'...
by RRAAYY3
Tue Aug 08, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7612

Re: Still Buying As planned Regardless Of The World Situation

this world's always been a mess ... now we just have instant access to too much information so it seems oh so scary ... i will be buying continuously for the next 20 years ... and i'll buy even more when the markets go "bad" ... why? because either the market bounces back to doing what it's always d...
by RRAAYY3
Mon Aug 07, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15134

Re: Tesla - next big lottery ticket ?

Tesla is in the total stock index fund ... cool
by RRAAYY3
Sat Aug 05, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Stock market bubble
Replies: 22
Views: 1775

Re: Stock market bubble

i've gotten a 5% return since March ... the month i feared was "the peak"

always invest. invest more when it drops, less as it rises ... but invest
by RRAAYY3
Sat Aug 05, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 89
Views: 7836

Re: 85/15 too aggressive at age 35?

To clarify, I do not literally have 100% of my money in equity ... the money I do have invested - that is 100% between total us/international
by RRAAYY3
Sat Aug 05, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Does the Tony Robbins/Ray Dalio portfolio make sense at today's low rates?
Replies: 17
Views: 1230

Re: Does the Tony Robbins/Ray Dalio portfolio make sense at today's low rates?

Here's my portfolio Total US Market Admiral + Total Int'l Market Admiral + cash in high yield to pounce on the next buying opportunity while making monthly contributions to whichever fund needs to be "rebalanced" at the time. Whatever's left: have fun with, sweep the remainder to high yield savings ...
by RRAAYY3
Thu Aug 03, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Question: Buys Admiral Shares
Replies: 2
Views: 427

Re: Quick Question: Buys Admiral Shares

thanks! i'l just wait to avoid any potential complication ... (and for US to possibly dip in the process)

as usual, thanks BH!
by RRAAYY3
Thu Aug 03, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 89
Views: 7836

Re: 85/15 too aggressive at age 35?

I am 100/0 and will continue to be because I only invest what I know I don't need in the near future ... I plan on being 100/0 until I'm 40 - then reassess depending on portfolio size

thinking 100/0 ... 80/20 ... 70/30 ... 60/40 by retirement (20-30 years from now)
by RRAAYY3
Thu Aug 03, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Question: Buys Admiral Shares
Replies: 2
Views: 427

Quick Question: Buys Admiral Shares

have enough to add Admiral Total Int'l to my taxable account ... this will put me at my desired 70/30 allocation US/Int'l ... I moved money from my bank this afternoon ... it says I have the amount available to trade - although my bank hasn't technically been debited yet Can I still go ahead and buy...
by RRAAYY3
Wed Aug 02, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: 100K milestone - Thank you BH!
Replies: 15
Views: 1964

Re: 100K milestone - Thank you BH!

Congratulations! How many years did it take ? been in the workforce 9 years (had random summer jobs beforehand) ... graduated during the financial crisis so basically had to take crappy hourly jobs after undergrad ... got a masters ... used this "opportunity" (not having a real job) to travel ... w...
by RRAAYY3
Tue Aug 01, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: 100K milestone - Thank you BH!
Replies: 15
Views: 1964

100K milestone - Thank you BH!

a little late at 32, but I have no debt whatsoever and have travelled to [almost] everywhere I've wanted to with plenty of "adventure" along the way now, all all my finances are in order - Total US, Total Int'l, High yield savings, investing approximately 1/3 of my net income monthly [stil...
by RRAAYY3
Thu Jul 27, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Stock Portfolio For Late Starter?
Replies: 35
Views: 2859

Re: 100% Stock Portfolio For Late Starter?

70/30 TOTAL US/TOTAL INT'L 100% equity with a year's worth of expenses in cash / high yield savings ... see ya in 30 years.
by RRAAYY3
Sat Jul 22, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11350

Re: What's your personal savings rate?

I invest approximately 30% of my net income monthly ... after monthly expenses I sweep whatever remainder into my high yield savings I live very frugally during the week - which coincides with being a lot healthier too. we don't go out to eat/drink during the week. cook dinner, leftovers for lunch ....
by RRAAYY3
Thu Jul 20, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5665

Re: Would you let your teenager spend all his savings on a gaming computer?

he should invest the money and then play this totally sick 3-D VR role playing game called "Going outside"
by RRAAYY3
Mon Jul 17, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating Bonds During Record Stocks
Replies: 5
Views: 890

Re: Accumulating Bonds During Record Stocks

it's market timing ... and its exactly what I'm doing (only in high yield savings, no bonds - I'm 32) I do not feel comfortable dumping more money into total US at these valuations, so I'm setting money aside to either add total int'l admiral to my taxable, or hopefully theres a US buying opportunit...
by RRAAYY3
Mon Jul 17, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 105
Views: 6051

Re: What advice to give 21 year old?

21 year olds shouldn't even be thinking about bonds ... I'm 32 and every dollar I have is either invested in total us / Total int'l ... or a high yield savings account - "safely" growing while giving me the opportunity to pounce on the next buying opportunity with 2 clicks Well, can't sto...
by RRAAYY3
Sat Jul 15, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 105
Views: 6051

Re: What advice to give 21 year old?

21 year olds shouldn't even be thinking about bonds ... I'm 32 and every dollar I have is either invested in total us / Total int'l ... or a high yield savings account - "safely" growing while giving me the opportunity to pounce on the next buying opportunity with 2 clicks
by RRAAYY3
Sat Jul 15, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 6579

Re: Is now time to move into international stocks?

things change, and the US is slowly but surely losing it's footing as "the world leader" rather than continuing to add to total us, I've been sweeping my monthly money into vanguard and plan on buying admiral shares of the total int'l for my taxable ... I'll be around 65/35 US/Int'l at tha...