Search found 35 matches

by RRAAYY3
Sat Jun 24, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 51
Views: 3186

Re: Is VG Total Stock Market Index too concentrated?

why wouldn't you want the "big companies"

they'll all eventually end up owning the little guys anyway
by RRAAYY3
Mon Jun 19, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: VTMFX (TaxManaged Balanced Fund)
Replies: 3
Views: 477

VTMFX (TaxManaged Balanced Fund)

5 star Morningstar rating / average risk with "high" return ... thoughts on this fund for a taxable account? I'm looking to invest more of my oversized "emergency fund" but do not want it in something too volatile (not at these market prices anyway) ... thoughts? I can't really f...
by RRAAYY3
Sun Jun 11, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10044

Re: Jim Rogers predicting "crash of a lifetime" this year or next

how does garbage like this even become a "Story" In regards to what will spark this "crash of a lifetime": "I don’t know. It could be an American pension plan that goes broke, and many of them are broke, as you know. It could be some country we’re not watching. It could be a...
by RRAAYY3
Sat Jun 10, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 108
Views: 16728

Re: Ally Bank - Is this a safe/best place to stash some cash?

99% of my money is in either Ally/Vanguard, small amount each month @ chase for bill/credit card pay I've told so many people about Ally .. and the response is usually irrational fear about not having a physical branch nearby - as if those branches don't use computers. I just laugh. Can't convince s...
by RRAAYY3
Thu Jun 08, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel credit card?
Replies: 8
Views: 827

Cancel credit card?

I only use my chase freedom card ... have another from college (1st financialbank/visa) I used to build credit. have not used it in years. just checked, no charges ... just wondering if it'll hurt my score to cancel it for good or just leave it alone?
by RRAAYY3
Thu Jun 08, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Debit charge I didn't make ...
Replies: 20
Views: 1955

Debit charge I didn't make ...

I have contacted my bank, cut up my debit card (I never use), am being sent a new card, and have changed all my passwords to Ally/Chase/Vanguard/Venmo. My account has been credited with the amount while Chase investigates ... I caught it while it was still pending, so that helps. Anyone have this ha...
by RRAAYY3
Thu Jun 08, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Recession Planning
Replies: 35
Views: 2467

Re: Recession Planning

my plan: lump sum into taxable account
by RRAAYY3
Thu Jun 08, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2248

Re: Buy car in cash ... or invest / lease

thank you both. very, very helpful.
by RRAAYY3
Wed Jun 07, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2248

Re: Buy car in cash ... or invest / lease

wondering if they'd lower the price if I offered to pay in full ... never really considered doing this, but now in a position to do so (helps being over the whole "luxury car" thing) again, I have til December was just trying to get the boglehead consensus. thinking larger down payment / s...
by RRAAYY3
Tue Jun 06, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: What really happens in a bear market?
Replies: 37
Views: 4000

Re: What really happens in a bear market?

whodidntante wrote:Bear market? You mean buying opportunity? :happy


my only regret was not buying more during that random Wednesday "freefall" last month ... I bought, just thought it'd continue dropping a bit more ...

maybe this Thursday we get another chance ...
by RRAAYY3
Tue Jun 06, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: What really happens in a bear market?
Replies: 37
Views: 4000

Re: What really happens in a bear market?

invest consistently ... invest more during bears ... increase bond ratio/allocation as you near retirement ...

at 32 I'm hoping for a bear soon ... so I can buy even more
by RRAAYY3
Sat Jun 03, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8599

Re: Everything keeps going up, this feels too easy?

my only regret has been not buying more than I did during that random Wednesday "free fall" not adding any more at the moment, but still setting aside money each month for another lump sum investment + max Roth contribution next year. if it goes up, oh well I've made money on what already ...
by RRAAYY3
Fri Jun 02, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out all tax advantaged options?
Replies: 24
Views: 2361

Re: What to do after maxing out all tax advantaged options?

livesoft wrote:Max out your taxable account option.


is there a legal maximum? or just personal max [i.e. Roth/tIRA 5500 per year ... taxable doesn't have an annual limit does it?]
by RRAAYY3
Mon May 29, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Tried to purchase shares of VTSMX for taxable account...transfers into MM fund?
Replies: 16
Views: 1226

Re: Tried to purchase shares of VTSMX for taxable account...transfers into MM fund?

if I submit an order before 4PM market close, do you get that days closing price regardless of bank/MM use? very useful for "buying the dip"
by RRAAYY3
Mon May 29, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Tried to purchase shares of VTSMX for taxable account...transfers into MM fund?
Replies: 16
Views: 1226

Re: Tried to purchase shares of VTSMX for taxable account...transfers into MM fund?

maybe due to market close? I've noticed by transactions don't really process fully for 24 hours, but you get the same day closing share price as long as its before market close. could also simply be your first transaction so this is how its processed? I planned on not adding any more to my market fu...
by RRAAYY3
Mon May 29, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Why Are U.S. Stocks So Expensive Today?
Replies: 41
Views: 4941

Re: Why Are U.S. Stocks So Expensive Today?

short answer:

Apple, Alphabet, Microsoft, Amazon, Facebook, Exxon, ...
by RRAAYY3
Mon May 29, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund recommendation?
Replies: 4
Views: 614

Bond fund recommendation?

32, 25% bracket, 0 debt is there an ideal long term bond fund ("set and forget", if possible) for taxable account? I want my Roth to be 100% equity for the foreseeable future, while slowly shifting my entire portfolio towards 90/10, 80/20 asset allocations over time with interest rates lik...
by RRAAYY3
Fri May 26, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Really trying to understand no bonds in taxable
Replies: 46
Views: 3130

Re: Really trying to understand no bonds in taxable

VNJTX ... 3.06 SEC yield ... 4.07% return 10 year ...

4 stars on Morningstar. 5 stars for admiral shares of the fund ...

would this be an ideal taxable account bond option?

https://personal.vanguard.com/us/funds/ ... IntExt=INT
by RRAAYY3
Fri May 26, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Really trying to understand no bonds in taxable
Replies: 46
Views: 3130

Re: Really trying to understand no bonds in taxable

so ... basically everytime I look into bonds I'm left more confused. guess I'll revisit when I'm 40
by RRAAYY3
Fri May 26, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 45
Views: 3900

Re: Septic Pumping - Did I get ripped off?

ddurrett896 wrote:
PlayingLife wrote:3. "Misc." = $50.00


What is this?


New Jersey
by RRAAYY3
Fri May 26, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Really trying to understand no bonds in taxable
Replies: 46
Views: 3130

Re: Really trying to understand no bonds in taxable

thank you ... I was thinking muni bonds in my taxable at some point (like 2-3 years from now) if/when I choose to reallocate ... if I understand correctly, I can sell/exchange within my Roth as I wish? for future reference ... remaining 100% equity in Roth/max contributions for the foreseeable futur...
by RRAAYY3
Fri May 26, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Really trying to understand no bonds in taxable
Replies: 46
Views: 3130

Re: Really trying to understand no bonds in taxable

would a state tax exempt muni bond be ideal for taxable?
by RRAAYY3
Fri May 26, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Siegel v. Shiller on Equity Valuations
Replies: 13
Views: 1633

Re: Siegel v. Shiller on Equity Valuations

yeah I did buy 2500 worth of us shares during the free fall ... only reason I didn't do more was I honestly thought it'd be at least a few more days of "free fall" / more buying opportunities. oh well, can't complain too much about the gains overall I guess
by RRAAYY3
Thu May 25, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Almost 30 - where do I start with my IRA?
Replies: 8
Views: 771

Re: Almost 30 - where do I start with my IRA?

I've witnessed the market hit new highs several times since I feared the "market peak/looming correction" ... i have since dollar cost averaged into my initial lump sum and the total US market is worth over $1 per share more than I spent - nothing huge, but I sat on the sidelines awhile wa...
by RRAAYY3
Wed May 24, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 23
Views: 2537

Re: Cheap gym shirts w/ certain materials

winter: hoodie and sweatpants
summer: tank top and sweatpants

I can't stand this neon clad superhero wannabe "Swag" I see at the gym nowadays ...
by RRAAYY3
Wed May 24, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4808

Re: At what point to buy new car for safety

I drove a 99 sonata into the ground, with the last straw being a cold winter night and for whatever reason my driver's side door would not close/latch shut.

that was a fun ride home
by RRAAYY3
Tue May 23, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: Question on Shiller CAPE predictions
Replies: 66
Views: 2615

Re: Question on Schiller CAPE predictions

investor confidence is shaky, and yet the market still rises - likely because of corporate earnings/low unemployment? I expect a more volatile summer but ultimately the bull pressing onward ... I wish I bought more of that "free fall" last Wednesday
by RRAAYY3
Fri May 19, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: A daily panic on the averages a day or two ago
Replies: 11
Views: 1170

Re: A daily panic on the averages a day or two ago

What big drop are you talking about? Exactly.... did the market drop? seems like today it is surging! Wait a minute, it's a market and it goes up and down like it supposed to. it is funny to watch the daily plummet/surge ... then scale back to weekly/monthly/yearly for perspective. market is boomin...
by RRAAYY3
Fri May 19, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account - Monthly vs Annual Contribution
Replies: 5
Views: 369

Re: Taxable account - Monthly vs Annual Contribution

I do at least once a month, get in at different price points - buy more shares when its cheaper, buy less when it's more expensive with the same amount of money (I throw in different amounts, basically once bills are paid and I budget for weekends/occasions - the rest goes to total us admiral and se...
by RRAAYY3
Fri May 19, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 915120

Re: U.S. stocks in freefall

unfortunately my girlfriend is extremely interested in politics/news and theres a podcast of some sort playing 24/7 it seems like ... it does help me "buy the dips" like Wednesday, but I've tuned out as much as possible.
by RRAAYY3
Fri May 19, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: A daily panic on the averages a day or two ago
Replies: 11
Views: 1170

Re: A daily panic on the averages a day or two ago

all I do is buy more those days and laugh at certain points this Wednesday you would've thought the world was ending ... my only regret is not buying more shares, but I thought the hysteria would extend another day or 2 ... oh well, looks like total market is trending right back to where it was Tues...
by RRAAYY3
Fri May 19, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5964

Re: Convince me to get back into stocks!

I went back and forth on "diving in" a little while ago ... the market has hit all time highs on 3 different occasions since I feared the "peak". Invest enough of a lump sum to get admiral shares of whatever you're buying ... the dollar cost into that. I've been steadily buying b...
by RRAAYY3
Fri May 19, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: I am a huge believer in Passive Indexing.. but.....
Replies: 42
Views: 3327

Re: I am a huge believer in Passive Indexing.. but.....

bank the profits and reinvest the "fun" 100K
by RRAAYY3
Thu May 18, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement Fund ... am I missing something?
Replies: 2
Views: 472

Settlement Fund ... am I missing something?

I understand the "sweep in/out", funds available to trade/withdraw, etc. ... say I notice a dip and want to purchase more total us admiral shares, as long as I submit the transaction before 4PM EST - Does it matter [in terms of price/share] if I did this transaction from my bank (Chase/All...
by RRAAYY3
Thu Jan 17, 2013 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 27 year old
Replies: 7
Views: 1158

Investment advice for 27 year old

I have a decent amount in savings, no debt, and more or less $10,000 of "disposable" income to play with [I could, in theory, invest more - but 10,000 is a safe amount right now] I'd like to put my money into something aggressive but not too high risk. Any suggestions/tips would be greatly...

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