Search found 13 matches

by sidneyinplanning
Thu Oct 05, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance
Replies: 46
Views: 9330

Re: Umbrella insurance

just checked Geico, 1 milion policy in PA is now $299 a year.
by sidneyinplanning
Wed Oct 04, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576565

Re: What's Your Credit Card Rewards Strategy?

Also most cards exclude local transit, Amtrak, long distance transit (say Long Island rail, NJ Transit from Trenton to New York) as travel. Really annoying. I called and say if I buy a train ticket from NY to San Diego, does it count? What I get is that it is not travel. Need some opinion here.
by sidneyinplanning
Wed Oct 04, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576565

Re: What's Your Credit Card Rewards Strategy?

I create a spreadsheet to itemized each card by the percent of the reward. Need to update each quarter for for changes in the type of purchases for the 5% reward. Also maximize offers that give say 40,000 miles, or $200 rebate if spending X amount. Dormant the card once meeting the minimum requireme...
by sidneyinplanning
Fri Sep 29, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments?
Replies: 18
Views: 2999

Re: Fisher Investments?

Their local sales guy is very persistent and aggressive. And not very polite too. Really wanted me to meet him. I have been polite not saying no in previous calls. This time he really insisted that he wanted to show me how they beat the market if I go to his office. I said your guys fee is quite hig...
by sidneyinplanning
Wed Sep 20, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 14884

Re: Any "average Joe" here actually make out well with individual stocks?

Short run price movement is so difficult to predict. I found picking stock is only 1/3 of the story. Learning when to sell, hold and what to do after selling is even harder. Just like other average Joes, my success rate in picking stock is just average; so 98% of the asset is in CD, cash, ETF and mu...
by sidneyinplanning
Sat Sep 16, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 432
Views: 166014

Re: Retiree Portfolio Model

Excel 2010. I will ignore such false error.

Per your advice, I am doing a projection of my assets by IRA1, IRA2, Roth 1, Roth 2 and Taxable in 2024. Then I will input the data as in 2017 and input the age as age in 2017+7. In this way, when I get the result, I just see 2017 as 2024.
by sidneyinplanning
Sat Sep 16, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 432
Views: 166014

Re: Retiree Portfolio Model

minor issues in saving the model:
Image

Image
by sidneyinplanning
Fri Sep 15, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 432
Views: 166014

Re: Retiree Portfolio Model

Thank you so much. I will enter the expected balance of the 401K as in 2024. Likewise, all balances of 2024 the year 1. Again thanks a lot.
by sidneyinplanning
Fri Sep 15, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 432
Views: 166014

Re: Retiree Portfolio Model

Question to Bigfoot48: Try to work on the v17.0 model and get to some difficulties: a) 1 spouse will start in 2017, another will work till 2023 - so there will be 401K contribution at 20% and 3% employer match. How can I enter that stream of income? b) first year under Ages and Year Factor. 2017 is ...
by sidneyinplanning
Fri Sep 08, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: 529 expense + fee comparisons
Replies: 8
Views: 1110

Re: 529 expense + fee comparisons

There are no hidden fees. The expense ratio is 0.35%* and the reported 0.29% return already takes that into account. The portfolio is 75% bonds which lost roughly 4% in the first 6 months of the past 12 months, that is one year. I don't see anything amiss nor any fees. What you see is what you get....
by sidneyinplanning
Fri Sep 08, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: 529 expense + fee comparisons
Replies: 8
Views: 1110

Re: 529 expense + fee comparisons

Your personal return will depend on the exact dates that you made contributions and the exact dates that you made withdrawals along with the dollar amounts of each contribution/withdrawal. It seems that the choice of investments that you made included at least some bond funds and bond funds lose mo...
by sidneyinplanning
Fri Sep 08, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: 529 expense + fee comparisons
Replies: 8
Views: 1110

Re: 529 expense + fee comparisons

Have a PA 529 investment plan ran by Vanguard. My kid is already in the third year of college, so I took the most conservative portfolio, about 80% in conservative income portfolio and 20% in income portfolio. The personal APR is 3.34% for 5 years, 1.7% for 3 years, and -1.16% 1 year. Based on what ...
by sidneyinplanning
Thu Mar 30, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 432
Views: 166014

Re: Retiree Portfolio Model

Where in the model to set the retirement year? My wife and I are still earning income so there is no need for IRA or 401K distribution till several years later.