Search found 33 matches

by southpaw328
Wed Sep 19, 2018 9:58 pm
Forum: Investing - Theory, News & General
Topic: Why are there so few long-term investors?
Replies: 18
Views: 2763

Re: Why are there so few long-term investors?

greg24 wrote:
Wed Sep 19, 2018 10:36 am
Animal spirits.
What does this mean? I started listening to the "Animal Spirits" podcast recently, I really like it.
by southpaw328
Sat Jun 02, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Where to save for house downpayment?
Replies: 14
Views: 3746

Re: Where to save for house downpayment?

I am in a similar situation, wife and I saving up for a house downpayment in about 5 years. We put our money for this into the Capital One 360 Money Market account. An account over $10,000 will accrue 1.60%, not bad, not fantastic, but safe. Now I wonder if this was the best use of our funds. Honest...
by southpaw328
Mon May 28, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3178

Re: Cheapest ways to watch NBA playoffs

A little late but this still applies for all sports: google NBA Reddit Streams or NFL or UFC or NHL etc
by southpaw328
Wed May 23, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6704

Re: What’s your phone/internet bill?

Internet is free Google Fiber (5Mbps). Phone is two T-Mobile lines of unlimited talk, unlimited text, unlimited data (throttled after 2.5GB) for $41 after taxes and fees. No TV service, but we have Netflix for $8.54/month after tax. How is google fiber? It hasn't arrived in Los Angeles or Orange Co...
by southpaw328
Wed May 23, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6704

Re: What’s your phone/internet bill?

Internet with AT&T is $62/month Phone with AT&T is $101/month - however this is heavily discounted from original price (57% off via discount) and is for 4 lines, so my wife and I pay $50.50/month and her grandparents pay their half) I'd love to get cheaper internet. I use the AT&T modem. I'd like to...
by southpaw328
Tue May 01, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 34
Views: 2803

Re: When/how did you start teaching your child about personal finance?

My daughter is 34 now. We got her a checking account when she was about 7 or so and taught her to use it and to balance her account monthly. I am amazed when she tells me how many of her acquaintances do not know how to balance a check book, or even how to write a check. She is a great money manage...
by southpaw328
Tue Mar 20, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Do you Continue to invest even in down market??
Replies: 54
Views: 6972

Re: Do you Continue to invest even in down market??

Stay the course.

You should, essentially, always be investing regardless of how the market is doing at that time. When the market goes down, the prices are cheaper and the risk is less. When it goes up, the prices are higher and the risk is greater.
by southpaw328
Mon Mar 05, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 6539

Re: What will you do with your tax refund?

My wife and I plan to add our tax refund to our house down payment savings fund.

I feel badly in a way because she would have gotten something like 7,000 back but then my taxes brought it down by half that. Wtf
by southpaw328
Fri Feb 16, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 46486

Re: What frugal thing did you do today?

packed a lunch
by southpaw328
Tue Feb 13, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing TIAA-CREF Holdings
Replies: 9
Views: 1175

Re: Rebalancing TIAA-CREF Holdings

Currently TIAA Trad is a Guarantee of 3% but currently yielding 3.834% according to my plan/contract info on My TIAA website.

Decided to put 20% of my 403b contributions into TIAA Trad and the other 80% in the CREF Equity Index.
Thanks for all the input.
by southpaw328
Fri Feb 02, 2018 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing TIAA-CREF Holdings
Replies: 9
Views: 1175

Re: Rebalancing TIAA-CREF Holdings

I use TIAA Traditional as my fixed income. Take a look at these threads. https://www.bogleheads.org/forum/viewtopic.php?t=211688 https://www.bogleheads.org/forum/viewtopic.php?t=205688 https://www.bogleheads.org/forum/viewtopic.php?t=214076 Perfect. Thank you so much and thank you to everyone else....
by southpaw328
Wed Jan 31, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing TIAA-CREF Holdings
Replies: 9
Views: 1175

Re: Rebalancing TIAA-CREF Holdings

I don't know much about the TIAA Traditional fund. There's not a lot of information about it. Just that it averages a 4% return.

As for my bond %, put half in TIAA Traditional and half into CREF Bond Market, or is the TIAA Traditional a different AA?
by southpaw328
Wed Jan 31, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing TIAA-CREF Holdings
Replies: 9
Views: 1175

Rebalancing TIAA-CREF Holdings

I am rebalancing my 403b offered by my employer. I felt pretty good about doing this on my own but thought I would ask to be sure. Currently, my account is invested in these: Equities: CREF Global Equities R1 QCGLRX: ER 0.72% CREF Growth R1 QCGRRX: ER 0.65% CREF Stock R1 QCSTRX: ER 0.71% TIAA Access...
by southpaw328
Tue Jan 30, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation: keep it simple
Replies: 6
Views: 1248

Re: Asset Allocation: keep it simple

Thank you for all the advice. I think I will get out of the TDF in our Roth IRAs. Instead, purchase some Total Stock/Int'l Stock. Now that I know bonds should be held in a tax protected account I'll have to do some re-allocating. I built a spreadsheet to track our investments. However, when I go to ...
by southpaw328
Fri Jan 26, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation: keep it simple
Replies: 6
Views: 1248

Asset Allocation: keep it simple

I opened up ROTH IRAs for both me and my wife in 2017. We maxed them out. To keep things simple while the funds are relatively small I went with a TDF 2055. That TDF’s AA is 90/10 (stock/bonds). After a year of research I decided that 80/20 (60 Total US+20 Total int’l stock/20 bonds) was a good bala...
by southpaw328
Sat Dec 23, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4862

Re: The extended bull market

Since we're in one of the longest bull markets in US history, I was wondering if it has influenced the way any of you are currently investing? Is there anything you are doing more/less of or have changed what you were doing in the past? Nope! Stay the course. I was reading about how this current ta...
by southpaw328
Fri Dec 22, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: Investing in HSA for Retirement Purpose?
Replies: 24
Views: 3136

Re: Investing in HSA for Retirement Purpose?

An HSA is an individual account. Only the person who carries a HDHP can also contribute to an HSA. Example -- for the past four years I have been the "owner" of a HDHP covering myself and the husband. So I was able to contribute to my HSA (up to the family maximum allowed for each year). For 2018, ...
by southpaw328
Fri Dec 22, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Investing in HSA for Retirement Purpose?
Replies: 24
Views: 3136

Re: Investing in HSA for Retirement Purpose?

Vanguard has had a couple of interesting white papers and blogs on this issue as well as a 12 minute podcast: White paper: https://personal.vanguard.com/pdf/ISGHSA.pdf Podcast: https://advisors.vanguard.com/VGApp/iip/site/advisor/research/article/ArticleTemplate.xhtml?iigbundle=IWE_AudioHSAsAsRetir...
by southpaw328
Thu Dec 21, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: Investing in HSA for Retirement Purpose?
Replies: 24
Views: 3136

Investing in HSA for Retirement Purpose?

I was talking to a family friend who is owner of his own financial group (ChFC, CLU). I don't have any money with him anymore since I like managing it on my own. I asked him what he thought about putting money into an HSA, investing the money, and holding it there with the idea of it being for retir...
by southpaw328
Sun Dec 17, 2017 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Moving Funds To Vanguard: ETF or MF
Replies: 8
Views: 1384

Re: Moving Funds To Vanguard: ETF or MF

Thesaints wrote:
Sat Dec 16, 2017 3:19 am
Capitalization weight of international is around 50%
I see. Maybe I could increase it but right now I feel 20% is what I'll do.
by southpaw328
Sat Dec 16, 2017 1:09 am
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2999

Re: Apple 2FA is saving DEVICE passwords in the cloud

I don't own a single Apple product, so this may be totally off the mark, but I have a recollection of hearing about this previously. If I recall correctly, it has to do with the fact that things stored in iCloud off your Mac are encrypted using your Mac password. In order to sync and provide access...
by southpaw328
Sat Dec 16, 2017 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Moving Funds To Vanguard: ETF or MF
Replies: 8
Views: 1384

Re: Moving Funds To Vanguard: ETF or MF

The simplicity of a 3 fund low cost portfolio is hard to beat! Questions 1. Should I use a Vanguard money market fund for our emergency fund or use a bank like ING? ((I think either is fine. I use my local checking account. How many months of expenses is your emergency fund?)) 2. Does a three fund ...
by southpaw328
Fri Dec 15, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Funds To Vanguard: ETF or MF
Replies: 8
Views: 1384

Re: Moving Funds To Vanguard & My Portfolio

Edited my post to make it shorter/easier to read and added a couple questions.
by southpaw328
Fri Dec 15, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2248
Views: 1423137

Re: The Three-Fund Portfolio

Hey, I am about to move about 40% of my assets from a managed fund to a 3 Fund Portfolio in Vanguard. first question, should I do it all at once? It's in the low to mid 5-figures amount of money. second question, should I use the ETF or MF 3 fund portfolio? It appears that the ETF has a bit of lower...
by southpaw328
Thu Dec 14, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Funds To Vanguard: ETF or MF
Replies: 8
Views: 1384

Moving Funds To Vanguard: ETF or MF

Hey everybody, here's my situation. My wife and I have about 40% of our net worth invested through an financial advisor in Mutual Funds via TD Ameritrade. I've been doing research for about a year on investing, specifically around index funds. I think I am ready to tell my advisor (old family friend...
by southpaw328
Wed Dec 13, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: ESPP - Would you participate and what's your strategy
Replies: 25
Views: 2673

Re: ESPP - Would you participate and what's your strategy

That's what I get and I do the full 10%. However I work for a company that has a massive market cap and I don't mind having ~5% of my net worth invested in them. My brother works for a much smaller company, has ESPP options, but he's not really interested in buying/holding their stock, so he doesn't.
by southpaw328
Fri Dec 08, 2017 1:56 am
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 8425

Re: Lowering My Grocery Bill

What Consumer Reports says about gluten: Unless you are among the 1 percent of Americans who have celiac disease, going gluten-free might actually harm you. In fact, gluten may be good for you by reducing blood pressure and inflammation. Gluten-free doesn't necessarily mean healthier. Gluten-free f...
by southpaw328
Wed Dec 06, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 8425

Re: Lowering My Grocery Bill

Hug401k wrote:
Tue Dec 05, 2017 10:34 pm


Next: Feed cats dry food.
My cats get a mixture of both dry and wet. They have had urniary issues when on the dry food only diet. Bad news.
by southpaw328
Tue Dec 05, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 8425

Re: Lowering My Grocery Bill

Wow! First, I have to say thank you so much for all your responses. I did not expect to get this much feedback. Tremendous. It sounds like I am doing ok for a family of 2 in Los Angeles then. I really thought I was spending too much and it appears the the biggest fix would be to actually just eat le...
by southpaw328
Tue Dec 05, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Rollover to Vanguard from Current Employer
Replies: 6
Views: 719

403(b) Rollover to Vanguard from Current Employer

Hey everyone, thanks for checking out my post. Your insight and advice is much appreciated. My wife works at a private school in Los Angeles. They have a 403(b) setup for her via TIAA-CREF in which she contributes 7.5% and they do a full match. However, I was looking at her investments there and the...
by southpaw328
Tue Dec 05, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 8425

Lowering My Grocery Bill

Hey everyone, I'm struggling to figure out how exactly I can lower my grocery bill. My family consists of two people, me and my wife (also 3 cats, I know, I know, way too many cats. But cat food I track separately from our groceries). We live in Los Angeles and on average, we spend approximately $50...
by southpaw328
Tue Jun 06, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: HSAs in California
Replies: 105
Views: 31985

Re: HSAs in California

hope it is ok to resurrect this post after 5 months... I live in Los Angeles and have just opened an HSA (Optum Bank via UHC) through my employer. They made their contribution and I just made my 1st. I am still short of being able to invest for now. According to these two article https://forum.mrmon...