Search found 10 matches

by neon beanbag
Fri May 19, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Another small value tilt question
Replies: 3
Views: 333

Another small value tilt question

Hi, I am considering a 25% small value tilt in my portfolio. Right now I have a 401k and a Roth IRA that looks like this: 401k - $16,500 (75% large cap, 25% sm/mid cap, 40% international) Roth - $13,500 (60% vanguard total stock market, 40% total international) The Vanguard small value fund is avail...
by neon beanbag
Tue Oct 25, 2016 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Want to retire early
Replies: 11
Views: 2227

Want to retire early

Hi, I have a goal to retire early between ages 50-55. Right now I'm 34 years old and I didn't get an early start on saving. I do have the ability to save aggressively though given my situation. I'm single and right now have $10,000 locked into a 5 year CD (for a house down the road) and I also have ...
by neon beanbag
Thu Aug 04, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Savings account for newborn niece
Replies: 8
Views: 948

Savings account for newborn niece

Hi, I just became an uncle last week and thought about opening a savings account for my niece. I want to contribute to it during special events (birthdays, Christmas, etc) and then give the account to her later in life. What's the best way to do this and what are the rules? How are taxes taken care ...
by neon beanbag
Thu Jul 14, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Need Asset Allocation Help
Replies: 1
Views: 247

Need Asset Allocation Help

Hi, I've posted before here with some questions in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=186596&p=2830943#p2830943 Since then, I've tinkered with my funds and asset allocation. Right now I have this: ROTH IRA (Vanguard) ~$7300 Life Strategy Growth Fund (80/20 allo...
by neon beanbag
Sat May 21, 2016 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Due Date
Replies: 16
Views: 2101

Re: Credit Card Due Date

Thanks for the replies. I do have enough that I could set up a buffer to make sure I don't overdraft. For now, I set the due date at the 17th (may change to the 20th later on). I will just have the rent taken out of the checking on the 1st since it is the biggest expense and charge everything else t...
by neon beanbag
Fri May 20, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Due Date
Replies: 16
Views: 2101

Credit Card Due Date

I have a Citi credit card which allows me to change the due date of the payment. Most of my bills/purchases are charged to the card:

Rent - 1st
Internet/Cell - 10th
Insurance - 20th

I get paid on the 15th and the last day of the month. What's the best way to set this up for budget purposes?

Thanks
by neon beanbag
Tue Apr 26, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2968

Re: CVT car transmissions

I have the new 2016 Toyota Corolla with CVT-i. It's a smooth ride but can sound noisy when accelerating at times. Mine has an Eco light that goes off when it's not being gas efficient. It seems like it goes off a lot around 2200 rpm when accelerating but it doesn't feel like I'm accelerating too har...
by neon beanbag
Fri Mar 11, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Starting Out in Investing
Replies: 7
Views: 856

Re: Starting Out in Investing

Welcome! The car loan isn't great, but it isn't terrible either. At that interest rate I wouldn't feel the need to pay it off immediately if having the cash on hand is important for you. One option would be to accelerate your payoff by making extra/higher payments than what is required. Yes, I'd ju...
by neon beanbag
Fri Mar 11, 2016 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Starting Out in Investing
Replies: 7
Views: 856

Re: Starting Out in Investing

Thanks Grt2bOutdoors and Toons!! A couple of more questions/comments: 1. What should I do with the Roth IRA? Leave it in the target fund and wait for it grow and then split it into individual funds later? Car loan @ $22,000 (3.35% interest rate) Eliminate it,,,by that I mean pay it off 2. I have the...
by neon beanbag
Thu Mar 10, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Starting Out in Investing
Replies: 7
Views: 856

Starting Out in Investing

Emergency funds: Yes Debt: Car loan @ $22,000 (3.35% interest rate) Tax filing status: Single Tax bracket: 25% State of residence: IN Age: 34 Desired asset allocation: 76% stocks / 24% bonds Desired international allocation: Not really sure. Would like some exposure, but not too much. I just started...