Search found 307 matches

by Exige
Tue Oct 30, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605599

Re: U.S. stocks in freefall

BanditKing wrote:
Tue Oct 30, 2018 2:41 pm
Stocks are up. Must be 401k purchase day.

(checks calendar)

Yup! Never fails. :D
HAHA! I did our Roth contributions all today
by Exige
Fri Jan 19, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 1206

Re: 3 Fund allocation assistance

Great thanks I think I would feel better with my AA if it was 20% of the 80% stock allocation I will just need to modify the rebalance spreadsheet I took from the wiki :D Thanks again!
by Exige
Thu Jan 18, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 1206

Re: 3 Fund allocation assistance

Typically, we talk first about percentage (of total) in stock and percentage (of total) in bonds. Then divide the stocks within itself (100%) so for example, 60% domestic stock, 40% international stock. So for a 50/50 stock to bond and 60/40 US to Int, you end up with total percentages: Bond 50% US...
by Exige
Thu Jan 18, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 1206

Re: 3 Fund allocation assistance

Thanks Duckie! I actually started playing with some of the rebalance spreadsheets yesterday and realized that when talking about the 60% domestic stock 20% international and 20% bonds it might be referring to the overall portfolio not just 20% of the stock allocation thus meaning I would have the sa...
by Exige
Wed Jan 17, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 1206

Re: 3 Fund allocation assistance

Ok please look at this plan and let me know what you think also if the Fund choices seem appropriate for Example VITPX vs VIVIX?? 401k 100% into DSPIX Dometic stocks $16,723 (ER .20) 403B VBMPX $20,942 (100% of bond allocation) (ER .03) Roth #1 VGTSX $8376 (50% of Int Stock AA) (ER .18) Roth #2 VGTS...
by Exige
Wed Jan 17, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 1206

Re: 3 Fund allocation assistance

I would put her entire 401k in the cheapest fund, all of your bonds in your 403b, and then distribute the rest of your stocks among the 403b and Roths. Thanks this is kinda where my head was going would be the simplest approach and probably allow me to get the lowest ER. So Ideally I would do 100% ...
by Exige
Wed Jan 17, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 1206

Re: 3 Fund allocation assistance

You'll want to build a spreadsheet to figure out exact allocation across each account and track your re-balancing bands. Do you know how to do that? In her 401(k) I'd put 100% in the Dreyfus Instl S&P 500 Stock Index as that's the cheapest available fund that meets your 3-fund goal. Your other acco...
by Exige
Wed Jan 17, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 1206

3 Fund allocation assistance

Hi all, I have always planned on going with the 3 fund portfolio approach however with the lower balance of our accounts I simply went with target funds that were close to our AA. The 3 funds I am interested in are below however I do not have these in all of our different accounts so would like to g...
by Exige
Mon Jan 15, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 45
Views: 5586

Re: AA is much harder than I thought...

This is extremely true in the early accumulation phase as the OP, you and I are at. I was struggling with AA and went back and compared my 80/20 to a full 100% stocks and the difference I would have made over the last 10 years was so minimal my contributions were making up WAY more. It is not. I'm 3...
by Exige
Wed Jan 03, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: Paying off mortgage before investing at all?
Replies: 75
Views: 8872

Re: Paying off mortgage before investing at all?

Or pay just a little extra against the mortgage but not too much! this is actually our plan my wife Hates the mortgage even though she understands the math wants it gone. We found that even a small amount 140$ cuts about 14 months off and we only have 11 years left at 32 so for now thats what we do.
by Exige
Tue Jan 02, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 3179

Re: When married, whose contribution should you prioritize?

My wife and I are invested in the same AA in our Roth accounts and split it even. We not max them so it means less but before we could we found it fair.
by Exige
Mon Sep 19, 2016 4:25 pm
Forum: Investing - Theory, News & General
Topic: Pay mortgage down (PMI) or invest
Replies: 33
Views: 3768

Re: Pay mortgage down (PMI) or invest

I did what a few others have said we had PMI of 180$ a month we did a refinance to a 15 year load had 26 left on the previous it dropped the pmi and made our payment 80$ more than it was previously (including the PMI). I could not have been happier we dropped 11 years off the life of the loan are sa...
by Exige
Mon Aug 08, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo & Tap
Replies: 28
Views: 3742

Re: Amazon Echo & Tap

I just got the echo for a birthday gift, I have never looked into it prior but we are loving it. Its fun and we have been using it in many useful ways. Timers, quick questions, movie times, weather, sunrise time, shopping lists.
by Exige
Mon Aug 08, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Should I Open?
Replies: 27
Views: 14636

Re: Which Credit Card Should I Open?

Wife and I go with the citi double for all main purchases and supplement a few categories with the costco Citi card (Gas, restaurants, Costco). Works well for us always get enough points to cover all christmas expenses we dont spend enough to get any crazy cash back but ill take it.
by Exige
Fri Jul 15, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587791

Re: What's Your Credit Card Rewards Strategy?

We recently got the Costco card. We will be using the costco card for: Gas 4% Restaurants and travel 3% and costco purchases 2% Everything else we use the 2% citi card This has worked well for us and we have very low expenses so our cash back does not equal much more than 1000$ for a year putting ev...
by Exige
Mon May 23, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 213
Views: 36659

Re: guaranteed 5% vs stocks?

what I am wondering is why %5 return attracts so many people here in this forum? It's simple: because the yield on other safe, fixed-income alternatives is closer to 2% or less. Yield on a 5-year Treasury is about 1.4%, and that has interest-rate (term) risk, while the alternatives being discussed ...
by Exige
Mon May 23, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 62
Views: 8669

Re: Bernstein says emergency fund part of your "asset allocation?"

I consider ours separate from our AA however its included in our Net worth if that matters....
by Exige
Mon May 23, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $500 a month
Replies: 27
Views: 4962

Re: What to do with $500 a month

could always explore the netspend, brinks 5% account up to 5k I have 3 of them. Earning 5% on 15k its a nice solution for things like an Efund however it wont solve your issue long term and most of the previous advice is better about a taxable account.
by Exige
Mon May 23, 2016 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Excessive Expense Ratios for Index Funds in 401(k)
Replies: 10
Views: 995

Re: Excessive Expense Ratios for Index Funds in 401(k)

thats not so terrible nothing in my wifes 401k is under 1.2 Sigh.........
by Exige
Tue May 17, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 213
Views: 36659

Re: guaranteed 5% vs stocks?

Im loving mine 1 setup is done and on auto pilot about to sign up for a second one.
by Exige
Tue May 10, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend 5% Saving not showing on personal capital
Replies: 8
Views: 1158

Re: Netspend 5% Saving not showing on personal capital

Just got an update see below. Thank you for contacting Personal Capital Support. I understand that you experienced a problem with updating your Netspend account in Personal Capital. I've investigated this error and can confirm that you saw the problem because of an error on our side. We need to inve...
by Exige
Tue May 10, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend 5% Saving not showing on personal capital
Replies: 8
Views: 1158

Re: Netspend 5% Saving not showing on personal capital

I never got a response as well I checked out mint and it worked correctly right away I have thus moved over everything to Mint for tracking. I'm having this issue as well. NetSpend previously showed up properly, but now it does not. So my dashboard shows a $5,000 loss in net worth :? This is one of ...
by Exige
Fri May 06, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Netspend 5% Saving not showing on personal capital
Replies: 8
Views: 1158

Re: Netspend 5% Saving not showing on personal capital

surfstar wrote:Did you add Netspend to PC prior to having the saving account opened/funded?
You might try deleting the Netspend account, then re-adding it. I think Mint would/did have similar issues and solved the same way.

Ill give this a try as I did have it added prior to the savings. Thanks
by Exige
Thu May 05, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend 5% Saving not showing on personal capital
Replies: 8
Views: 1158

Re: Netspend 5% Saving not showing on personal capital

This sounds like a question for Personal Capital Support at support@personalcapital.com. I've found them to be very responsive to similar questions I've asked them. Sometimes all that is needed is a tweak on their end. I do have one bank account that they were not able to support and so I instead c...
by Exige
Thu May 05, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Mango Money - Worried about Direct Deposit
Replies: 21
Views: 4726

Re: Mango Money - Worried about Direct Deposit

I would give it another day or 2 I actually just had the exact same thing happen to me with moving funds from Ally to Netspend for the 5% savings. took about 2 days longer than normal and than what they said. made me nervous since the money was not in either for a bit...
by Exige
Thu May 05, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend 5% Saving not showing on personal capital
Replies: 8
Views: 1158

Netspend 5% Saving not showing on personal capital

Hi all, Quick question I finally have our emergency fund set up on netspend earning the 5% however I am unable to get the savings to show on personal capital. Has anyone had this problem and fixed it or know of a resolution? I have been searching with no luck personal capital shows the card and bala...
by Exige
Wed Apr 20, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Target Day Fund & Asset Allocation
Replies: 9
Views: 1068

Re: Target Day Fund & Asset Allocation

Rather than blindly accepting someone else's opinions on suitable asset allocation I an I suspect most on this forum would suggest that you independently decide on a suitable allocation based on your desires and factors and then if you decide on a target date fund ignore the dates and find one with...
by Exige
Tue Apr 19, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 103
Views: 15331

Re: mortgage pre payment, why?

Why I paid cash for my house: - guaranteed 3% return - lock in stability, schools, ect for family - allow me and my wife to take risks and pursue passions. She is now a successful photographer and realtor. She makes more money now and is happier. She would not have done that with higher monthly exp...
by Exige
Tue Apr 12, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: What next? Cash or retirement?
Replies: 13
Views: 2384

Re: What next? Cash or retirement?

here is a "trick" my wife and I just took advantage of.

viewtopic.php?f=10&t=188477

In my opinion though I would off the car payments.
by Exige
Fri Feb 26, 2016 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: 27. $10k. Is this the most Optimal Portfolio Strategy?
Replies: 27
Views: 3395

Re: 27. $10k. Is this the most Optimal Portfolio Strategy?

When I started a few years ago I had the same questions I ended up in the 2050 target during my accumulation stage. In the next year or so I should have more than enough to break it down into a 3 fund or some other style. As others have said with this small amount and age savings rate is going to be...
by Exige
Mon Feb 15, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 18700

Re: Weight Loss Plans?

5. I go to the gym 4-5 times per week. This is not nearly enough by itself - I was doing that before I lost the weight. I see far too many people who seem to think they can get by on only an exercise program, but keep in mind that each session burns only a few hundred calories at best. When I first...
by Exige
Thu Feb 11, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: The Retirement Problem: What Will You Do With All That Time?
Replies: 67
Views: 8541

Re: The Retirement Problem: What Will You Do With All That Time?

I think my main problem has been I planned to travel with my wife of 35 years. She died and I am having to adjust my retirement traveling plans. Seeing my retirement through a couple's eyes was very different. I am sorry to hear this but I appreciate you sharing it. This is my plan and goal as well...
by Exige
Fri Feb 05, 2016 1:15 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 6406

Re: If SS covers expenses why invest?

most people who are living solely on SS benefits are living below the poverty line. Do you really think SS is going to cover ALL of your expenses? maybe only if you live extremely frugally in rural Alabama or Mississippi. A married couple who had very good jobs can pull down $5000-$6000 a month in ...
by Exige
Thu Feb 04, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 6406

Re: If SS covers expenses why invest?

I was always a saver more than a planner. Not married and no kids, so I didn't have to worry about funding college or other family expenses, but I was also aware that I needed to be able to take care of myself in my old age or in case of unemployment. So I lived below my means and saved for the fut...
by Exige
Thu Feb 04, 2016 5:14 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 6406

Re: If SS covers expenses why invest?

in response to those asking if I want to live off of it alone that was not my question. I don't want to and do not plan to live off of SS and i am too young to know either way it was just more of a question in regards to the fact that we were shocked to realize how much it could potentially cover. I...
by Exige
Thu Feb 04, 2016 4:20 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 6406

Re: If SS covers expenses why invest?

Ron, thanks for sharing your input I have really not thought about that side of it much as my wife and I do not have children and honestly at this point in life wouldn't have anyone to leave the money to. It just goes to show that everyone's situations are so different its hard for me to ask a quest...
by Exige
Thu Feb 04, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 6406

Re: If SS covers expenses why invest?

most people who are living solely on SS benefits are living below the poverty line. Do you really think SS is going to cover ALL of your expenses? maybe only if you live extremely frugally in rural Alabama or Mississippi. Its not that we want to live on SS or plan to, its that we did not realize th...
by Exige
Thu Feb 04, 2016 3:40 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 6406

If SS covers expenses why invest?

This is an honest question my wife and I have been talking about a lot lately and came up in another thread I was just reading and decided I would start my own topic instead of taking the thread off topic anymore. This question stemmed when we looked at our SS payout for the first time out of curios...
by Exige
Thu Feb 04, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 7958

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

Sorry to be somewhat off topic but honest question if SS covers most or all of the expenses for a couple then what or why is everyone focusing so much on saving and investing? simply for extra activities and expenses travel, car etc? or are most using the savings and investments to retire early then...
by Exige
Fri Jan 29, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 12099

Re: perfectly happy with cable

this is just as bad as the posts about what age you maxed your retirement accounts. This is very individualized, my wife and I pay 150$ for everything cable,tv etc however our "budget" for other things such as bars eating out etc is basically 0$ we enjoy being together watching certain shows and jus...
by Exige
Mon Jan 25, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for car and home insurance
Replies: 14
Views: 3131

Re: Am I paying too much for car and home insurance

Thanks for your helpful replies everybody. I will shop around and see if I can get a better rate. --Deaconfan This is a smart idea we just used a insurance broker friend of mine since he said he would look through everything and see if we were overpaying. We told him exactly what coverage we wanted...
by Exige
Fri Jan 22, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 11550

Re: What was your biggest unexpected home expense?

Wife and I have been in our house for 6 years. Last year was Paint on the outside of the house 2500$ (trim was looking bad! and HOA was squawking) This year was a roof $6000 Fridge just died last week $2000 ( this was a bit of a splurge however we never eat out and use the fridge for everything and ...
by Exige
Fri Jan 22, 2016 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 12856

Re: What age does LBYM (being a big saver) pay off?

One of my uncle's approach to life is that "It's not a problem if money can fix it." Which, *if you have money* is a quite rational way to look at life. You can focus on the real problems, an aunt with cancer, the friend who just had their SO bail on them, etc. Things like your car breaking down tu...
by Exige
Thu Jan 21, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover Question with Fun Market!!
Replies: 2
Views: 316

Re: 401K Rollover Question with Fun Market!!

Go back to what you would have done if the markets hadn't dropped. If you had good reasons to make the move then, those reasons haven't changed. If I were you I would make the move exactly my thoughts I guess I first was thinking by "selling" the old one for the new one I was basically setting in t...
by Exige
Thu Jan 21, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover Question with Fun Market!!
Replies: 2
Views: 316

401K Rollover Question with Fun Market!!

Hi Bogleheads, I wont go into much backstory as I found this site years ago and have read constantly and taken the lifestyle to heart, My wife and I are doing extremely well in our "Retirement accumulation phase" of life. Anyways I graduated with my degree in December and happened to land a higher p...
by Exige
Thu Jan 21, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help required: refinancing + mortgage options
Replies: 10
Views: 1565

Re: Help required: refinancing + mortgage options

Thank you. Where to shop for refinancing? Do I have to call my own mortgage company or someone else? Would you recommend anyone? I have always used a local Mortgage broker who took care of our initial loan and has always taken care of family it is a small outfit and we work directly with the owner ...
by Exige
Tue Jan 19, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help required: refinancing + mortgage options
Replies: 10
Views: 1565

Re: Help required: refinancing + mortgage options

Exige, thank you. What made you to change your mortgage from 30 years to 15 years? Also, can you share your mortgage company name? Sorry for the late response, main reason it even came up is I was sick of the 190$ a month mortgage insurance we have never been late, missed a payment, etc for 6 years...
by Exige
Thu Jan 14, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 91
Views: 15386

Re: Priorities

I know I am reviving this old thread however I noticed a comment in a new one directing to find it and it simply is amazing to me I think more people need to read it and think twice about everything.
by Exige
Wed Jan 13, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help required: refinancing + mortgage options
Replies: 10
Views: 1565

Re: Help required: refinancing + mortgage options

For what its worth we are about close on our Refi and it is similar to what you are looking at. Bought the house for 215 Owe 190 30 year fixed 4.25% 26 years left Refi 15 year fixed 3.2% New balance 193k (closing costs etc) This refi will drop PMI for us and save over 1k of interest a year while cut...