Search found 113 matches

by Crisium
Wed Apr 18, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3138

Re: Broke up with my girlfriend for financial reasons: crazy?

Interesting read.

What do you think about introducing her to Mr. Money Mustache and Dave Ramsey? Now that you're broken up it might look even more condescending, but worth keeping in mind. Her situation is not untypical for a US millennial.
by Crisium
Thu Apr 12, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: Emerging markets tilt
Replies: 37
Views: 3101

Re: Emerging markets tilt

I have a moderate tilt within my international allocation. But since I tilt to the US, my overall EM is just slightly more than market weight. I'm 2:1 US:Int, and 40% of that Int is EM, so my equities are 13.3% EM. I guess really I am tilting away from Int Developed because I do not have confidence ...
by Crisium
Tue Apr 10, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy??? [Excess W-4 withholding, got large tax refund]
Replies: 31
Views: 3499

Re: Am I Crazy??? [Excess W-4 withholding, got large tax refund]

This is understandable. Ideally you'd have that money in at least a 1% savings account though, as you are aware. And this is why setting up automatic savings is important for most people. People are adaptable. In my experience, most people save less than 10% of their income no matter what - whether ...
by Crisium
Thu Apr 05, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 50
Views: 6213

Re: What’s the magic savings rate???

whomever wrote:
Fri Mar 30, 2018 1:39 pm
I worked with a group once that had a habit of morning and afternoon trips to Starbucks, at maybe $4 each trip, and a $10 lunch out. $18 a day times 20 working days a month is $360 a month.
The group next to me does this as well. I suspect it is not unusual.
by Crisium
Thu Apr 05, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 16569

Re: What can we learn from secret millionaires.

Standard of living varies. I could retire right now with a million dollars with a conservative 3% SWR and still have extra money in a typical year. And I would not be eating cat food in a studio apartment.
by Crisium
Fri Mar 30, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 50
Views: 6213

Re: What’s the magic savings rate???

http://www.mrmoneymustache.com/2012/01/ ... etirement/

Makes some assumptions, but inspiring if you need saving motivation.

Note it's based on net and not gross income.
by Crisium
Thu Mar 22, 2018 7:08 am
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9496

Re: Maybe Ramsey is right

Heard this one a few weeks ago. Caller is Fed employee who uses TSP, heard a "save 15% of income" rule of thumb he wants to follow. Asks: what do I do? Dave: Roth TSP and Roth IRA (I agree 100% for rule of thumb, since 15% Roth > 15% Traditional) TSP to Match IRA until full Rest in TSP Almost seems ...
by Crisium
Fri Mar 16, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 75
Views: 11363

Re: Geico insurance rate increase: 26.24% APY?

My Geico 6 month rate is about 4% higher than 6 months ago. Not worried yet.
by Crisium
Wed Mar 07, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378602

Re: U.S. stocks in freefall

Gary Cohn effect today. Beginning of the end of the bull?
by Crisium
Wed Feb 28, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey over simplifying Roth vs. Traditional IRA?
Replies: 103
Views: 11673

Re: Dave Ramsey over simplifying Roth vs. Traditional IRA?

I also remember a study where Roth is recommended for those who follow simple rules of thumb, such as save 15% if your income. 15% Roth > 15% Trad (rarely they can tie of course). Most people do not do the math and realize with traditional they can invest more thanks to a lower tax bill. The money s...
by Crisium
Tue Feb 27, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: In mid 20s and just opened a Roth IRA with 401k. What should I do
Replies: 22
Views: 1804

Re: In mid 20s and just opened a Roth IRA with 401k. What should I do

As far as the US Market goes, you'll want an 80/20 split on FXAIX/FSMAX to best replicate it. The boglehead approach is to follow the (US) Market at weight, though many of us deviate slightly. Your biggest choices are how much international, VTSNX, to include, and how much in bonds (FXSTX). Internat...
by Crisium
Mon Feb 26, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: In mid 20s and just opened a Roth IRA with 401k. What should I do
Replies: 22
Views: 1804

Re: In mid 20s and just opened a Roth IRA with 401k. What should I do

The expense ratio of 0.45% on the target date fund in your 401k is relatively high. Low expense ratios are critical to long-term investing success. Please list the funds offered in your 401k, giving fund names, tickers and expense ratios, we can help by suggesting better funds to use. Please use th...
by Crisium
Thu Feb 22, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 29
Views: 2539

Re: Young Investor: Investing In A Bear Market

Look, I know the "early and often" advice is the thing to do, but I have to believe its the mainstream advice that makes assumptions about which funds you're buying. It makes sense to just dump money into a total market fund because its a slow moving boat. But look at an emerging market fund like F...
by Crisium
Fri Feb 16, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Transition AA 100% equities to 70/30
Replies: 4
Views: 580

Re: Transition AA 100% equities to 70/30

What are you looking for by “better”? It’s uncertain which would result in a higher principle by year end, but statistically the DCA approach would win most years since you’d have a higher stock allocation for most of the year. Stocks go up about 2/3 of the time in a 12 month span, so over 10 months...
by Crisium
Fri Feb 16, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2732

Re: USAA 41% More For Car Insurance

The total amount of our annual spending that goes to home, auto, and umbrella coverage is so tiny that wasting time on a better or worse quote would be silly. I can understand that these items might loom larger in some household budgets. Indeed. 3% of my gross income was on car insurance alone with...
by Crisium
Fri Feb 16, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2732

Re: USAA 41% More For Car Insurance

I went from USAA to Geico 6 months ago. I was able to get the same coverage at Geico for 38% of the USAA cost. In the end I gave myself even more coverage and it was still less than half the price. USAA as far as I can tell is not a rate leader, nor anywhere close to one.
by Crisium
Thu Feb 15, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 97
Views: 7392

Re: Why paying off loans would be better than fully funding 401k?

$247 for 3 phones service is too much. Look into one of the non big four companies for family deals. For ex, Cricket with 4 lines for $100 (not unlimited data though). Even a big four, T-Mobile, is running a special right now for 4 lines for $140 unlimited. Even if that $247 includes a payment for p...
by Crisium
Wed Feb 14, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 97
Views: 7392

Re: Why paying off loans would be better than fully funding 401k?

You said you take 1-2 vacations per year, $3k minimum each. Let's be less conservative and say you are spending $8k vacations per year. You estimate you make between $336k and $408k per year. That's 2% of your gross income per year at worst. Your vacations are not your problem. Yes, you should cut t...
by Crisium
Fri Feb 09, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378602

Re: U.S. stocks in freefall

I feel more comfortable now than it was going up like mad in January. Accumulation phase. +1. Although it makes me sad watching my portfolio shrinks for the first time ever since I started investing couple years ago. I am less worried about what happens now compared to January's madness. I really o...
by Crisium
Fri Feb 09, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378602

Re: U.S. stocks in freefall

I feel more comfortable now than it was going up like mad in January. Accumulation phase.
by Crisium
Fri Feb 09, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14779

Re: Ally online savings now at 1.45%

That's one of the reasons I like Ally. They don't lead the market in rates in either category, but are close in both savings and CDs - and recently they have been pretty close to the CD leaders. You can always be sure you're getting a competitive rate. Purepoint's 12 month CD is lower than their sav...
by Crisium
Fri Feb 09, 2018 8:22 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14779

Re: Ally online savings now at 1.45%

Nice. 45% more yield than 18 months ago.
by Crisium
Mon Feb 05, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell PONDX?
Replies: 10
Views: 1192

Re: Should I sell PONDX?

FYI, PONDX is going away, and if you keep it you'll be put in the A shares. More info here. It looks like PONDX customers will be able to avoid the A class fees.

http://socialize.morningstar.com/NewSoc ... 02701.aspx
by Crisium
Thu Feb 01, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo dialing up risk in target date funds
Replies: 7
Views: 1021

Re: Wells Fargo dialing up risk in target date funds

Also says they increased the % of stocks for the actual retirement year from 28% to 40%. Their conservative retirement funds have had lower returns from 2009 so they are juicing them up. They had one of the lowest losses in 2008 among retirement target funds. They will not be so lucky in the next de...
by Crisium
Thu Feb 01, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378602

Re: U.S. stocks in freefall

If you're really worried about the collapse of civilization put some (not too much now) money into survivalist bug out stuff. Water filters, solar generator, guns and ammo, food and water supply, camping gear, etc. But yeah, 401k first and foremost.
by Crisium
Tue Jan 30, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378602

Re: U.S. stocks in freefall

Great opportunity for those who got out last week to jump back in and buy on sale.
by Crisium
Tue Jan 30, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Wow: Shiller PE is 34.52
Replies: 52
Views: 6447

Re: Wow: Shiller PE is 34.52

jjustice wrote:
Tue Jan 30, 2018 10:35 am
The CAPE can certainly tell you when it is not a profitable time to buy US stocks--unless perhaps you are a short-term trader.

John
Don't you mean, unless you are a long-term investor?

Buying (broad index) stocks in 1999 was profitable, for example. Took a bit of time though.
by Crisium
Mon Jan 29, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: SNXFX vs. SWTSX
Replies: 7
Views: 458

Re: SNXFX vs. SWTSX

Isn't that just the Russell 1000 rebranded?

Looking at distributions, SNXFX has higher distributions so it will have a higher tax hit.
by Crisium
Mon Jan 29, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: PIMCO merging Class D with Class A shares - what does this mean to me?
Replies: 4
Views: 2132

Re: PIMCO merging Class D with Class A shares - what does this mean to me?

Right now I don't see the "No Load No Fee" on PONAX. Yet it says there is no Schwab transaction fee and by the Front Load it says "* This fund is available without load at Schwab" but it still says 3.75%. Maybe that's just because it's not under the "One Source" banner, but this makes in unclear whe...
by Crisium
Fri Jan 26, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12978

Re: Starting to feel like the late 1990s?

Depends on your time horizon if a repeat of the late 90s is really that bad. The market today is much higher than 1999. I don't intend to touch my stocks for even longer than the 19 years from 1999-2018, so even if things are not as good as then I have time to wait it out.
by Crisium
Fri Jan 26, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Miscalculated International AA, should I just stick with it?
Replies: 19
Views: 971

Re: Oops! Miscalculated International AA, should I just stick with it?

I'm 33% Int personally. I like that it gets nearly all of the diversification benefit (re Vanguard, 30% gets 99% of the benefit). And mathematically I like thinking that for every 1 dollar in international I have 2 dollars in US, since sometimes I worry (perhaps irrationally) that international will...
by Crisium
Fri Jan 26, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 49940

Re: USAA 2.5% Cash Back Credit Card

Can anyone confirm a monthly $1000 ACH into your USAA account is enough to make sure you get the full 2.5%? So far I have been using direct deposit from my pay check, but am considering changing if I can simply do $1000 ACH in/out monthly.
by Crisium
Wed Jan 24, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: am I crazy to do a lump sum investment with my entire retirement in this current stock market?
Replies: 47
Views: 6019

Re: am I crazy to do a lump sum investment with my entire retirement in this current stock market?

Dollar Cost Average (DCA) it in if you are nervous. Combined with the amount you will be investing ($6,000 a month?) it really shouldn't matter if there is a correction soon. You'll be buying the highs, lows, and the averages. Lump sum beats DCA 2/3 of the time, but it's usually not the biggest deal...
by Crisium
Tue Jan 23, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: overall US stock market
Replies: 3
Views: 677

Re: overall US stock market

Thanks david for the reminders about CAPE.
by Crisium
Thu Jan 18, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: im 25 years old and want to start investing
Replies: 9
Views: 859

Re: im 25 years old and want to start investing

Target Retirement is easy and often recommended, but it will not jive with your desire for 75/25. 2035 is closest to that right now, but will be around 40/60 20 years from now when you are in prime earning years. It'd be far more complicated to shuffle retirement funds, or to a pick a retirement fun...
by Crisium
Thu Jan 18, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 14545

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

I'd consider 10% more noise than a correction. Well, fine, but the standard definition of correction is 10% or more so Vanguard's usage seems good to me. You are perhaps thinking of bear market? I believe context matters a lot more than a raw %, even though 10% is the minimum for a correction as yo...
by Crisium
Thu Jan 18, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?
Replies: 34
Views: 2477

Re: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?

The G fund is a stable value fund backed by the US Gov't instead of insurance companies. This is unique. The F fund equivalent can be found anywhere, albeit usually a tiny bit higher ER. The G fund provides a yield usually similar to or exceeding a 7 year treasury, but with no loss of principle. It ...
by Crisium
Tue Jan 02, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 165
Views: 18645

Re: Max It Out Tomorrow [your IRA]

Moved cash into the account (from Emergency funds, but still have a good amount there and it will be replenished), will place buy orders so my mutual funds can get bought tonight (one day out of the market!). LS > DCA 2/3 of the time. I don't have a crystal ball so I'll do what is statistically in m...
by Crisium
Wed Dec 20, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 13418

Re: Ally Bank 12 month CD now 2.00%

Nice. Thanks for the heads up.

Match that inflation. Pretty good for 1 year.
by Crisium
Mon Dec 18, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18825

Re: Call the top! - Bitcoin

$31,415.92
by Crisium
Thu Nov 09, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 240
Views: 27321

Re: How old are you and how much do you save for retirement a year

30, and it depends. Only really started in 2016. From 2012-2015 combined I saved less than $6k total. So that was a $1.5k per year start! I managed $15,000 in 2016 but a lot of that is due to shifting cash I sat on over the years. On pace for about $12k this year. Goal is $14k next year based on ant...
by Crisium
Wed Nov 01, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 9905

Re: My 401k is almost all cash now. 1/2 Mil

It is very possible the stock market will never be as low as 2011 again in your entire lifetime. It is also possible it won't even be as low as early 2016 when you fully bailed out. Just like, so far, despite the market reaching then all time highs in 1996 and 1997 ("irrational exuberance" and 1929 ...
by Crisium
Fri Oct 27, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Ally 12-month CD
Replies: 5
Views: 1478

Re: Ally 12-month CD

Thanks for the heads up.
by Crisium
Sun Oct 22, 2017 10:14 am
Forum: Investing - Theory, News & General
Topic: New Schwab Index Fund - SCHK, better than SCHB?
Replies: 6
Views: 1128

Re: New Schwab Index Fund - SCHK, better than SCHB?

Since Schwab has 3 funds that cover much of the market (SP500, Russell 1000, Dow Total) you could use two in taxable accounts for tax loss harvesting and one in an IRA.
by Crisium
Tue Oct 17, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 34
Views: 4631

Re: Thrift Savings Plan

If you view all your retirement accounts as one, as you likely should, then the G Fund can make a great bond allocation. The principle never goes down, and while the yield fluctuates it is generally higher than a 7 year treasury note. L funds are G fund heavy for their bond portion, which I like. Th...
by Crisium
Wed Oct 11, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: Cash on the sidelines impact ?
Replies: 14
Views: 1822

Re: Cash on the sidelines impact ?

How much cash was on the sidelines in early 2000 or 2007?
by Crisium
Fri Oct 06, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 10974

Re: Senior citizens can lose everything [to professional guardians via court rulings]

A lot of this corruption seems to trace back to Jon Norheim, who, as a “guardianship commissioner,” can apparently strip all your constitutional rights in minutes. He also belongs in jail. Really it is Jon Norheim that is so disturbing in all of this, along with the other judge (wealthy school owne...
by Crisium
Tue Oct 03, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 7959

Re: Are credit cards rewards worth it?

If anything, I would say using a credit card makes me more mindful of my spending as I have to review everything I purchased in one month at the end of every statement cycle. In contrast, with cash or a debit card, you never have to do this so long as you have enough money in your wallet or your ch...
by Crisium
Tue Oct 03, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: CD with Santander bank?
Replies: 3
Views: 671

Re: CD with Santander bank?

I bank with santander and have about 30k in MM for emergency fund, they recently launched CD with 1.65% for 15 month with no minimum- is that decent deal?. i was thinking to open few CDs intead of keeping it in MM for 0.3%- thoughts?? Re: decent deal Useful site here for CDs: https://www.depositacc...