Search found 42 matches

by bennettg
Thu Jun 22, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3134

Re: Cricket Wireless Groups

I run a group over there and its fine. I Don't share the username/password or PIN number, everyone paypals me $20 per month (or higher depending on their plan). I claim all the referrals in exchange for managing the group. Plus I am able to stock up on the sales at target/best buy for refill cards ...
by bennettg
Wed Jun 07, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3134

Re: Cricket Wireless Groups

My understanding from the cricket website is that the total discount on 5 lines is $100 or $20 per line. So someone on the $40 plan should pay $20 while someone on the unlimited plan, which is $60, would pay $40.

https://www.cricketwireless.com/content ... iline.html
by bennettg
Tue Jun 06, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3134

Re: Cricket Wireless Groups

I run a group over there and its fine. I Don't share the username/password or PIN number, everyone paypals me $20 per month (or higher depending on their plan). I claim all the referrals in exchange for managing the group. Plus I am able to stock up on the sales at target/best buy for refill cards ...
by bennettg
Tue Jun 06, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3134

Re: Cricket Wireless Groups

I run a group over there and its fine. I Don't share the username/password or PIN number, everyone paypals me $20 per month (or higher depending on their plan). I claim all the referrals in exchange for managing the group. Plus I am able to stock up on the sales at target/best buy for refill cards ...
by bennettg
Tue Jun 06, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3134

Re: Cricket Wireless Groups

BW1985 wrote:I have one spot open in my group if anyone wants in. $20/mo
I'll go in with someone from Bogleheads. I will PM you now.
by bennettg
Tue Jun 06, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3134

Re: Cricket Wireless Groups

Thanks for all the responses. I've decided to port to cricket but will not join a group via reddit strangers.

If anyone wants to send a referral code, I'm happy to use that when I port.
by bennettg
Mon Jun 05, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3134

Re: Cricket Wireless Groups

I'm not sure how the groups work with Cricket (or other deals). The Cricket offer works like this: First line $40 Second line $30 Third line $20 Fourth line $10 Fifth line $0 Total = $100 which averages to $20/line. You can only have 1 payment method on your Cricket account. So the "lead" would hav...
by bennettg
Mon Jun 05, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3134

Cricket Wireless Groups

I'm trying to minimize my monthly expenses to redirect what I can to retirement savings. One thought was to try to join a cricket wireless group plan via reddit....there is a dedicated thread to linking folks together....with a full group you get 4GB of data and unlimited calls/texts for $20/month i...
by bennettg
Thu May 18, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Re-balancing Math: Help Needed
Replies: 3
Views: 356

Asset Allocation Re-balancing Math: Help Needed

Hello, I am trying to create a spreadsheet to help me rebalance monies in my retirement account in the New York State Deferred Compensation Plan (DCP). There are 2 components to the plan.....the main fund offerings and a self-directed option (known as a SDO or PCRA) with schwab. My desired asset all...
by bennettg
Fri May 12, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158110

Re: Collective Investment Trusts (CITs)

bennettg: Sorry, I don't know enough about CITs (Collective Investment Trusts) to give you a reliable reply. Lady Geek is right. Please ask your question on the forum where you will get more and better replies. Thank you and best wishes. Taylor Appreciate your response and that of Lady Geek. Have a...
by bennettg
Thu May 11, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158110

Re: Adding small funds?

Bennetg: I'm the one who is obtuse: If I understand correctly, you are asking if you should add small-cap and emerging market funds to the Schwab (total) International Equity Fund which contains only negligible amounts of these two asset-classes. In my opinion, adding two small funds to a portfolio...
by bennettg
Tue May 09, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158110

Re: Adding small funds?

Bennetg: I'm the one who is obtuse: If I understand correctly, you are asking if you should add small-cap and emerging market funds to the Schwab (total) International Equity Fund which contains only negligible amounts of these two asset-classes. In my opinion, adding two small funds to a portfolio...
by bennettg
Tue May 09, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13826

Re: Changes to NYS Deferred Compensation Plan

I just got off the phone with the DCP. I asked them about the Expense Ratios for the Blackrock CITs: S&P is expected to be 0.0084 Russell 2500 is expected to be 0.0225 US Debt Index is expected to be 0.0198 There will not be any changes to the plans admin fees of $10 twice a year ($20) and 2bp AUM u...
by bennettg
Sun May 07, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158110

Re: Adding small funds?

Bennetg: I'm the one who is obtuse: If I understand correctly, you are asking if you should add small-cap and emerging market funds to the Schwab (total) International Equity Fund which contains only negligible amounts of these two asset-classes. In my opinion, adding two small funds to a portfolio...
by bennettg
Sun May 07, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158110

Re: Schwab vs. Vanguard

bennettg: Be sure to read Jonathan Clement's article, above by using the link near the bottom of my Opening Post. If you are a happy Schwab customer, I would use Schwab Total Market Index Funds which are now as low-cost as Vanguard. Best wishes. Taylor Thanks....forgive me obtuseness....do I correc...
by bennettg
Sun May 07, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1158110

Re: The Three Fund Portfolio

Decided to go with a Schwab ETF version of the 3 Fund Portfolio. My question centers around the weighting of the 3 International funds. Your thoughts? SCHB US Broad Market SCHZ. US Aggregate Bond SCHC International Small Cap Equity SCHF international Equity SCHE Emerging Market Equity macav933: In ...
by bennettg
Sun May 07, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 1825

Re: VGTSX vs SWISX

Ah, I see. Maybe say a bit more about why you don't like ETFs? Vanguard's ETF shares and funds shares are just different share classes of the very same funds. You have the same thing either way. For my own part, I would definitely put up with using ETFs to get Vanguard's better coverage of internat...
by bennettg
Sun May 07, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 1825

Re: VGTSX vs SWISX

Is there are reason you want to use Schwab instead of Vanguard? Vanguard sends all of its security lending revenue back to investors, unlike its for profit competitors, so the ER is often in reality lower than the stated ER. Schwab is what I am offered via my employer's plan. I suppose I could buy ...
by bennettg
Sat May 06, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 1825

Re: VGTSX vs SWISX

I've been intrigued with Schwab's new lower cost index funds.....had reluctantly been using ETFs to save a bit. But with the new lower ERs, I'd like to go back to index funds. Is there are reason you want to use Schwab instead of Vanguard? Vanguard sends all of its security lending revenue back to ...
by bennettg
Sat May 06, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 1825

Re: VGTSX vs SWISX

I've been intrigued with Schwab's new lower cost index funds.....had reluctantly been using ETFs to save a bit. But with the new lower ERs, I'd like to go back to index funds. Is there are reason you want to use Schwab instead of Vanguard? Vanguard sends all of its security lending revenue back to ...
by bennettg
Sat May 06, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 1825

Re: VGTSX vs SWISX

gkaplan wrote:OP, you might get more responses if you edit your thread title to include the fund names for the tickers.
Updated, thanks.
by bennettg
Fri May 05, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help: Vanguard Total International Stock Market vs. Schwab International Index
Replies: 15
Views: 1825

Help: Vanguard Total International Stock Market vs. Schwab International Index

Hi....I've been on the boards for a while now and have learned much and am becoming more self sufficient, but wanted to ask for help on one issue. I've been intrigued with Schwab's new lower cost index funds.....had reluctantly been using ETFs to save a bit. But with the new lower ERs, I'd like to g...
by bennettg
Fri May 05, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13826

Re: Changes to NYS Deferred Compensation Plan

So I met with the local account executive who was very nice, but who could not go beyond the boards "talking points" and address transparency....only that the fees were low. Maybe we can help one another. In looking at the December 2016 board meeting minutes, the following blackrock CITs will be off...
by bennettg
Wed May 03, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13826

Re: Changes to NYS Deferred Compensation Plan

I use the SDO, its not that good. The $15 fee is on top of the DCP fees and you must maintain more than 50.001% in the DCP.

We've been screwed.
by bennettg
Tue May 02, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13826

Re: Changes to NYS Deferred Compensation Plan

I'm thinking of leaving the NYSDCP because of these changes and rolling over my funds into a Vanguard 401k. I like Vanguard's transparency and simplicity. What is the main benefit of the 457b vs 401k? Is it the lack of a 10% early withdrawal penalty if I retire before 59 1/2 yrs? If I do not plan to...
by bennettg
Thu Apr 20, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13826

Re: Changes to NYS Deferred Compensation Plan

I very much share folks' concerns about these changes. Does anyone know what the relevant rules that the board must follow prior to changing investment options. Is there some required period of time for public (or member) comment? If so, I'm thinking about seeing if the changes could be challenged. ...
by bennettg
Fri Apr 14, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13826

Re: Changes to NYS Deferred Compensation Plan

Looks like the Board will have a public meeting held at the Empire State Plaza on April 25. This could be very convenient for those that work at the Plaza to attend. https://www.nysdcp.com/iApp/tcm/nysdcp/learning/news/public_meeting_notice_apr.jsp I will try to attend this but I may not be able to...
by bennettg
Thu Jan 26, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 108
Views: 13826

Changes to NYS Deferred Compensation Plan

There hasn't been any announcement that I am aware of, but in digging through the meeting minutes of the December 2, 2016 meeting of the NYS Deferred Compensation Board, changes are coming to the plan's offerings in the next year. While I was hoping for changes and that they would include more Vangu...
by bennettg
Sun Sep 11, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for ETF buying at Schwab
Replies: 13
Views: 1571

Re: Advice for ETF buying at Schwab

Thank you to all who responded to my request for help so far....all comments have been very helpful and are appreciated.
by bennettg
Sat Sep 10, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Advice for ETF buying at Schwab
Replies: 13
Views: 1571

Advice for ETF buying at Schwab

Hello. I am hoping that folks can comment/assist me as I plan to start buying ETFs at Schwab. I have a PCRA option with Schwab as part of a government 457b deferred compensation plan (NYS). The plan's international options are not great. My goal is to approximate VGTSX by using schwab ETFs SCHF, SCH...
by bennettg
Wed Sep 07, 2016 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Help With Getting to 3 Fund Portfolio Please
Replies: 8
Views: 1368

Re: Help With Getting to 3 Fund Portfolio Please

You are actually more than 2/3'rds there. If you used Developed Markets alone, your portfolio would probably be just fine. The concept of the 3 fund portfolio pre-dated the slick, easy to get, low cost real total international funds that are available today. Something like the MSCI fund was all tha...
by bennettg
Tue Sep 06, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Help With Getting to 3 Fund Portfolio Please
Replies: 8
Views: 1368

Re: Help With Getting to 3 Fund Portfolio Please

Thanks to all that have responded so far. I'm now looking at the IRA option a bit more closely, which begs another question. I am married and our combined income is above the limit where we can get a reduction on our taxes by contributing to an IRA. Since the money I would use to fund the IRA is aft...
by bennettg
Mon Sep 05, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Getting to 3 Fund Portfolio Please
Replies: 8
Views: 1368

Help With Getting to 3 Fund Portfolio Please

Hello....I am writing to ask for help with implementing the basic 3 fund portfolio. Through the New York State Deferred Compensation Plan (NYSDCP) 457b, I have access to US large/mid/small cap vanguard index funds. I was able to use the morningstar XRay to approximate VTSMX with these funds. The NYS...
by bennettg
Fri Sep 02, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Want to build a "Core Four" Schwab ETF portfolio
Replies: 25
Views: 8931

Re: Want to build a "Core Four" Schwab ETF portfolio

This is exactly what I am doing. At Schwab, "core four" portfolio: SCHB - Schwab US Broad Market ETF SCHH - Schwab US REIT ETF SCHZ - Schwab Aggregate bond ETF VXUS - Vanguard Total International Stock Index ETF The SCH* ETF's trade for free, and the VXUS is $9/trade. With a "stay th...
by bennettg
Thu Sep 01, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Want to build a "Core Four" Schwab ETF portfolio
Replies: 25
Views: 8931

Re: Want to build a "Core Four" Schwab ETF portfolio

This is exactly what I am doing. At Schwab, "core four" portfolio: SCHB - Schwab US Broad Market ETF SCHH - Schwab US REIT ETF SCHZ - Schwab Aggregate bond ETF VXUS - Vanguard Total International Stock Index ETF The SCH* ETF's trade for free, and the VXUS is $9/trade. With a "stay th...
by bennettg
Thu Sep 01, 2016 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Want to build a "Core Four" Schwab ETF portfolio
Replies: 25
Views: 8931

Re: Want to build a "Core Four" Schwab ETF portfolio

After playing and learning how to use m* X-ray, I tried the etf buying with the Schwab etfs. Not sure I have the stomach for it and am seriously contemplating buying Vxus (1 instead of 3, close bid/ask, I think good liquidity?) or periodically buying the vanguard total international stock market mut...
by bennettg
Thu Sep 01, 2016 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: switching to PCRA, would like some insights
Replies: 18
Views: 1823

Re: switching to PCRA, would like some insights

I have a pcra option with Schwab that I want to use to get vanguard total international stock market (or its equivalent as an etf). I'd use the Schwab total international stock index but learned that it doesn't have emerging markets, Canada, etc. To buy as a mutual fund is $76. To buy as a etf is 8....
by bennettg
Thu Aug 18, 2016 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Want to build a "Core Four" Schwab ETF portfolio
Replies: 25
Views: 8931

Re: Want to build a "Core Four" Schwab ETF portfolio

pradador wrote:Using Morningstar's Instant Xray, a rough Total Intl. Stock Market (VXUS) approximation to the nearest 5% using Schwab ETFs might be:

SCHF 75%
SCHC 10%
SCHE 15%


Is this still accurate? If not does anyone know the correct answer and how I can learn to derive the answer for myself ? Thank you
by bennettg
Sat Aug 13, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: Suggestions to the New York Deferred Compensation Plan (457b)
Replies: 4
Views: 1195

Re: Suggestions to the New York Deferred Compensation Plan (457b)

I have drafted the following letter to the NYS Deferred Compensation Plan and would like to send it within the next few days. However, I thought I might share the draft here first in case anyone has any feedback or prior experience convincing a 457b plan manager to add options. I did review the wik...
by bennettg
Sat Aug 13, 2016 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Help Needed to Approximate VG Target Funds from NYS DCP Investment Options
Replies: 6
Views: 733

Re: Help Needed to Approximate VG Target Funds from NYS DCP Investment Options

I should have mentioned that there is also an option to use some funds in the NYS DCP with a Schwab Personal Choice Retirement Account (PCRA). In short, the amount in the Schwab accounts must be equal or less than what is funds offered by the DCP. I'm still confused about how to approximate a VG tar...
by bennettg
Tue Aug 09, 2016 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Help Needed to Approximate VG Target Funds from NYS DCP Investment Options
Replies: 6
Views: 733

Re: New to Investing Need Help with NYS DCP Investment Options

Hello and welcome to the forum. Just use the fund selections that have the word "index" in them, all others are actively managed and you want to avoid using them. Therefore, to approximate a target retirement plan with a 80/20 mix, I would recommend folliwing: Institutional index (large c...
by bennettg
Sat Aug 06, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Help Needed to Approximate VG Target Funds from NYS DCP Investment Options
Replies: 6
Views: 733

Help Needed to Approximate VG Target Funds from NYS DCP Investment Options

Hello, I am new to investing and have been reading the boggleheads site and forums and agree with the overall philosophy here. I just feel overwhelmed with all the information and don't seem to be able to understand it all. I'm hoping someone will be kind enough to point me in the right direction wi...