Search found 148 matches

by TSWNY
Thu Sep 10, 2020 7:08 am
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2163

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

I have all my dividends go to the settlement fund for the year and then on January 1st I fund my ROTH.
by TSWNY
Mon Aug 31, 2020 6:38 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28020

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

Let him be. Some people just need to learn the hard way.
by TSWNY
Thu Jul 16, 2020 7:10 am
Forum: Personal Investments
Topic: AXA 403b help, please
Replies: 11
Views: 594

Re: AXA 403b help, please

It blows my mind how schools districts get saddled with awful retirement options such as AXA......especially when they have access to all those math teachers. My wife teaches in NY and she got stuck with AXA for the first 8 years. Luckily her district wised up and got with NYS 457b. We gladly paid t...
by TSWNY
Wed May 27, 2020 9:01 am
Forum: Personal Investments
Topic: Ny 529
Replies: 4
Views: 391

Re: Ny 529

Are you sure you are talking about the New York State 529 Plan? I have one for each of my kids and I have the total stock market index. Look at the Age-Based Options and Individual Portfolios and you'll find what you're looking for.
by TSWNY
Sun May 03, 2020 6:34 pm
Forum: Personal Investments
Topic: Inspiring F.I.R.E (On track?)
Replies: 11
Views: 2277

Re: Inspiring F.I.R.E (On track?)

You're 23....What age do you see yourself leaving the work force? I don't know if it's a generational thing or what, but I'm 40 and I've worked in law enforcement for going on 13 years, so maybe I'm jaded, but I just don't get these kids who just join the work force and already want to retire.
by TSWNY
Fri May 01, 2020 7:48 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 47028

Re: 30 year mortgage under 3%

I just locked into a 10 year refi at 2.625%. I was at a 20 year (12 years left) at 3.875%. With no up front costs my payment only went up $80 a month and according to the mortgage calculator I used I saved about $24,000 in interest.
by TSWNY
Thu Apr 09, 2020 7:36 am
Forum: Personal Investments
Topic: How often do you add money to stock market?
Replies: 48
Views: 3562

Re: How often do you add money to stock market?

Between mine and my Wife's paycheck it's weekly. I typically get both of our Roth IRA's maxed out by the end of March.
by TSWNY
Mon Mar 16, 2020 7:19 am
Forum: Personal Investments
Topic: TLH: Do I need to replace for tlh? Can I just sell
Replies: 10
Views: 518

Re: TLH: Do I need to replace for tlh? Can I just sell

I have some marijuana company stocks from way back, which are down 90% ×, in some cases 99%. I will like to sell them but wanted to be sure that it is possible to do tlh even I dont buy anything else. I assume if they are legitimate stocks and you have a loss, you can claim the loss on your taxes. ...
by TSWNY
Thu Mar 12, 2020 11:37 am
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26779

Re: Who is staying course and how are you dealing with net worth going down?

We are staying the course. We aren't retiring for another 15-18 years, so while its hard to watch because you can't turn on the TV without it being crammed down your throat, we are trying to not listen to the noise. Our weekly paycheck deductions are going ahead as scheduled. The thing I'm most upse...
by TSWNY
Mon Mar 09, 2020 11:21 am
Forum: Personal Investments
Topic: Market down over 6% today
Replies: 56
Views: 6027

Re: Market down over 6% today

I'm actually pretty pleased with myself that this doesn't have me worked up at all. We still have 15-18 years before retirement and both have super solid jobs with pensions. The only thing I'm mad about is right before this all started we were only a couple thousand bucks away from the two comma club!
by TSWNY
Fri Feb 14, 2020 7:56 am
Forum: Personal Investments
Topic: Help Me Break Free From Raymond James
Replies: 47
Views: 14885

Re: Help Me Break Free From Raymond James

I'm so glad this thread popped up. I can't believe how far we've come in the last four years. We are a couple good days of market performance away from joining the two comma club!
by TSWNY
Wed Jan 29, 2020 6:38 pm
Forum: Personal Investments
Topic: AXA Advisor - VUL and Term Insurance
Replies: 36
Views: 1480

Re: AXA Advisor - VUL and Term Insurance

I saw AXA Advisor in the subject line and I just came in here to tell you to RUNNNNNNNNNNNN AWAY!!!!
by TSWNY
Tue Jan 21, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 12088

Re: If you could only listen to one podcast...

Joe Rogan, but the Jocko Podcast is a close second.
by TSWNY
Fri Jan 17, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Are you a closet market-timer?
Replies: 174
Views: 13638

Re: Are you a closet market-timer?

I silently hope that if the market has a down day it's on pay day. That's about it for me.
by TSWNY
Fri Jan 17, 2020 12:34 pm
Forum: Personal Investments
Topic: tracking collective investment trusts
Replies: 5
Views: 384

Re: tracking collective investment trusts

I have the same issue. I just created an entry for Equity and one for Bond, then I add them all up at the end of the week and enter the total. It's kind of annoying......but first world problems, ya know.
by TSWNY
Fri Dec 06, 2019 7:30 pm
Forum: Personal Investments
Topic: NYSDCP 457B/Roth457 Limits
Replies: 1
Views: 146

NYSDCP 457B/Roth457 Limits

My employer just recently added the Roth 457 option to our plan. I should know this answer, but am I limited to $19,500 (for 2020) for both combined or is it $19,500 for each? Right now I am splitting the $19,000 between the two options. Thanks.
by TSWNY
Wed Sep 04, 2019 7:04 am
Forum: Personal Investments
Topic: Three fund portfolio but no choice for total stock market
Replies: 11
Views: 769

Re: Three fund portfolio but no choice for total stock market

Just use the Fidelity S&P500 fund. I have the same situation within my 457B account and use BlackRock S&P fund. At an expense of 0.01 I'll take it!
by TSWNY
Sun Jun 02, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 11576

Re: How did you all do in the month of May, 2019

I haven't checked all month and this thread got me thinking......so I checked.......and now I can't remember what the number was 30 days ago. I think I've turned a new corner and I'm starting to relax more.
by TSWNY
Sun Apr 28, 2019 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Unique Hit and Run Situation
Replies: 40
Views: 5002

Re: Unique Hit and Run Situation

Agree with filing police report. Disclosures about holders of handicapped license plates may be subject to HIPAA privacy laws. Law enforcement may need to file a request to obtain info. No, HIPAA privacy laws and license plates have nothing in common. Nothing about the license plate will disclose a...
by TSWNY
Sun Apr 28, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Unique Hit and Run Situation
Replies: 40
Views: 5002

Re: Unique Hit and Run Situation

I can't speak for every jurisdiction, but years ago when someone hit my old truck in a parking lot the police said it was not a crime. Only hit and run on the public streets came under that. A lot is private property. They did run the plates for us and gave us the information. Either the police off...
by TSWNY
Wed Apr 17, 2019 6:43 am
Forum: Personal Investments
Topic: How often do you check up on your investments?
Replies: 35
Views: 2662

Re: How often do you check up on your investments?

I log onto Mint pretty much every day, but that is mainly to check my checking/credit card for any fraudulent activity. I tend to check less often during down turns in the market because I only re-balance one a year.
by TSWNY
Tue Jan 29, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 477
Views: 61691

Re: What lifestyle creep made you happier?

thrifty_one wrote: Mon Jan 28, 2019 10:20 pm top-tier craft , fresh IPA beer in a growler for every weekend.. is it Friday yet?
Same for me, but I also keep a 6 pack of cans in the fridge for Monday through Thursday.
by TSWNY
Wed Jan 16, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19819

Re: Are You Dumping Netflix?

Netflix going up $2 a month is not enough for me to even notice. We get so much value out of Netflix that $12.99 is a steal for us and if it every stressed me out that much ten maybe I would just buy one less 6-pack of my favorite IPA a month.
by TSWNY
Wed Nov 28, 2018 12:14 pm
Forum: Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5568

Re: My mutual funds are declining, please help!

If you are truly in it for the long haul then I wouldn't......And I'm not myself either. But was is the long haul for you and what would you do with it if you did sell it now?
by TSWNY
Thu Nov 08, 2018 2:09 pm
Forum: Personal Investments
Topic: New job, new 401k
Replies: 14
Views: 1694

Re: New job, new 401k

Time in the market is always better than timing the market. You probably have 20,25,30 more years of working, right? Over that time you are going to see many many market "highs". Set an asset allocation that you feel comfortable with and start contributing now.
by TSWNY
Tue Nov 06, 2018 7:41 pm
Forum: Personal Investments
Topic: 403B, is mine even worth it?
Replies: 10
Views: 1016

Re: 403B, is mine even worth it?

We switched my wife's 403b to Aspire after she got conned into The Legend Group and then AXA.....Don't ask. Anyways, Aspire is by far the best choice that you have and worth it in my opinion. Aspire has all the Vanguard funds and once you get enough deposited you can get the Admiral Funds. There is ...
by TSWNY
Mon Aug 20, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 8509

Re: Reckless driving ticket in VA-Help!

Thank you for the quick replies! Yes- Clean record otherwise. First ticket in Virginia and no tickets since last 5.5 years! No DUI. My main worry is 'reckless driving' seems to be crime in VA - which may affect any job changes or Secret Clearance needed for Govt jobs here! Thanks for any further in...
by TSWNY
Wed Jul 11, 2018 9:28 am
Forum: Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 202
Views: 47432

Re: $13 Million Goal for Early Retirement (am I crazy?)

You went with 4 target date funds to give yourself a better glide path? That's the whole purpose of having one single target date fund.
by TSWNY
Mon Jul 09, 2018 11:10 am
Forum: Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 202
Views: 47432

Re: $13 Million Goal for Early Retirement (am I crazy?)

Just out of curiosity, what is your rational for your Roth account? 4 target date funds, the S&P and TSM?
by TSWNY
Wed Jun 27, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: How many months of living expenses would you keep in your bank.
Replies: 61
Views: 4612

Re: How many months of living expenses would you keep in your bank.

Checking - 1 month Vanguard Prime Money Market - 2 months and adding some every month Taxable Account - 4 years We both have extremely stable jobs with good salaries. The money market account is really just for psychological security and incase anything pops up like needing a new home AC unit or som...
by TSWNY
Fri Jun 22, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 2166

Re: What do you include in your grocery budget?

We don't really have a grocery budget, we just go and get what we need and what we want. I think that was the moment when I realized we did not have any financial issues....the first time we went grocery shopping and didn't really care about the cost of the items we were buying. I do always factor i...
by TSWNY
Sat Jun 16, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Settlement
Replies: 10
Views: 2267

Re: Auto Accident Settlement

First thing you need to do is consult with an attorney before accepting any offers. My wife is going through a similar thing, except she was rear ended by a commercial garbage truck and then pushed into a boat (don't ask). My has some minor lingering injuries and we might finally start the litigatio...
by TSWNY
Mon Jun 11, 2018 6:32 am
Forum: Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 7304

Re: Strategy for a prolonged bear market

I think my Plan B is to not really try and pay attention. DW and I both have good paying recession proof jobs with pensions. We max out all our retirement options and have been doing so for a couple of years now, so I think we have saved enough now combined with 15-20 years before retirement to ride...
by TSWNY
Wed Jun 06, 2018 10:43 am
Forum: Personal Investments
Topic: Teacher 403b TSA HELP Please!
Replies: 9
Views: 893

Re: Teacher 403b TSA HELP Please!

Look into Aspire. We got my wife out of The Legend Group and then AXA and into Aspire. They were by far the best choice out of her options at the time until her district finally wised up and got with NYSDCP 457. Aspire will give you access to all the Vanguard funds that are offered.
by TSWNY
Sat Jan 06, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 14871

Re: How much are you putting in a 529?

We live in NY and use the NY Plan for both kids (3 and 1). NY allows for a deduction up to $10,000 per year on state taxes, so each girl is getting $5,000 per year.
by TSWNY
Tue Jan 02, 2018 11:39 pm
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 124
Views: 21456

Re: Changes to NYS Deferred Compensation Plan

For those who are participants in the plan: I'm considering doing some rebalancing with this account. I need to increase my fixed income asset allocation and am considering using the Blackrock US Debt Index Fund (CIT). From what I can see it is pretty similar to Vanguard Total Bond Market Index Fun...
by TSWNY
Sun Dec 31, 2017 11:50 am
Forum: Personal Investments
Topic: Curiosity: Blackrock
Replies: 18
Views: 2763

Re: Curiosity: Blackrock

My 457B plan got rid of Vanguard Institutional Funds this summer and went with BlackRock CIT's. So far I've been happy and they are cheaper than Vanguard. For the S%P 500 index fund I pay 0.01%, Russell 2500 Index 0.02 and Total US Bond Fund 0.02.
by TSWNY
Fri Dec 22, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 12802

Re: Uber vs Ambulance - HUGE cost difference

My Parents are both 90 plus years old and live 5 houses from the hospital. We have had to call the ambulance many times through the years and the cost was $1200-$1600 each time. Luckily they have excellent secondary insurance and they paid nothing out of pocket. I can do one better. Long story shor...
by TSWNY
Sun Dec 17, 2017 12:02 pm
Forum: Personal Investments
Topic: Dividends
Replies: 40
Views: 4988

Re: Dividends

I do not. I just send them all to my settlement account and then transfer them to my ROTH IRA. Taxable account is the last thing I fund.
by TSWNY
Wed Dec 13, 2017 12:46 pm
Forum: Personal Investments
Topic: "Total US Market" with 2 Vanguard Funds in 401k
Replies: 2
Views: 388

Re: "Total US Market" with 2 Vanguard Funds in 401k

I have the same situation and use 85% S%P and 15% small cap.
by TSWNY
Sun Nov 26, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 12263

Re: What did you do right?

Save 30-35% of our gross income.
Spent several months reading all I could on this forum and then fired our financial advisors.
by TSWNY
Sun Nov 12, 2017 11:49 pm
Forum: Personal Investments
Topic: 403(b) - pushing annuity?
Replies: 14
Views: 1839

Re: 403(b) - pushing annuity?

Here are the options. I'd appreciate any advice on which is best. Thank you. AMERICAN CENTURY SERVICES LLC ASPIRE FINANCIAL SERVICES AXA EQUITABLE LIFE INSURANCE COMPANY CONFIDENTIAL PLANNING - SMART CHOICE FORESTERS FINANCIAL (FIRST INVESTORS) GWN/EMPLOYEE DEPOSIT ACCT MASS MUTUAL VA METLIFE NY LI...
by TSWNY
Fri Oct 20, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 3836

Re: Finally a win for teachers!!

Well done. My wife is a teacher and for many years they were stuck with horrible, crazy high cost providers. They finally got NYS Deferred Comp when they got their new contract last year. I can't believe how bad teachers all across the country are getting worked over by these ultra high fee provide...
by TSWNY
Thu Oct 19, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 3836

Re: Finally a win for teachers!!

Well done. My wife is a teacher and for many years they were stuck with horrible, crazy high cost providers. They finally got NYS Deferred Comp when they got their new contract last year. I can't believe how bad teachers all across the country are getting worked over by these ultra high fee provider...
by TSWNY
Mon Oct 16, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Life-insurance for young couple. Advice?
Replies: 23
Views: 4204

Re: Life-insurance for young couple. Advice?

I got a 20 year term policy a few years ago after my first child. My wife has a good job and health care if she needs it, so I just got it to pay off the house and kids college if needed. I pay $31 a month for $500,000. I work in a high risk field, so it's a good move for my family. My agent tried t...
by TSWNY
Mon Oct 09, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Mint - Issues with showing my account details
Replies: 15
Views: 3001

Re: Mint - Issues with showing my account details

I've been using Mint for about 2 years now and in the beginning it was a little goofy, but the last year it's been good. That is up until about 3 days ago when all my stuff from Vanguard went haywire. For some reason it is duplicating all my Vanguard accounts. I'm hoping they get this straightened o...
by TSWNY
Fri Oct 06, 2017 10:38 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 124
Views: 21456

Re: Changes to NYS Deferred Compensation Plan

Is anyone else surprised at how disappointing the funds are performing? Maybe it's just me and my AA, but in a time when the market continues to grow and hit all-time highs, my YTD gains aren't as high as I was expecting. Whats your AA? I'm 55% Large Cap, 15% Russell 2500 and 30% bond. All in the n...
by TSWNY
Fri Oct 06, 2017 7:57 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 124
Views: 21456

Re: Changes to NYS Deferred Compensation Plan

how is everyone making out with this a few months in.... i was just looking over the full listings and checking ERs...i'm unsure why but. NYSDCB RUSSELL 2500 2.25 NYSDCB Equity Index 0.84 NYSDCB Debt Index 1.98 .... whaaaaaaat. What the.....!!!!!! I just noticed this as well. I'm calling my account...
by TSWNY
Fri Oct 06, 2017 7:22 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 124
Views: 21456

Re: Changes to NYS Deferred Compensation Plan

how is everyone making out with this a few months in.... i was just looking over the full listings and checking ERs...i'm unsure why but. NYSDCB RUSSELL 2500 2.25 NYSDCB Equity Index 0.84 NYSDCB Debt Index 1.98 .... whaaaaaaat. What the.....!!!!!! I just noticed this as well. I'm calling my account...
by TSWNY
Wed Sep 27, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a rowing machine
Replies: 26
Views: 1826

Re: Suggestions for a rowing machine

Concept 2 is the only way to go. Just bite the bullet and don't even bother with anything else.