Search found 47 matches

by Supermercado
Fri Feb 14, 2014 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Year & Milestone Check Up
Replies: 7
Views: 1083

Re: 2 Year & Milestone Check Up

Wow, thank you for such a detailed post! That's what my understanding of bonds and dividends was, and why you typically wouldn't want to hold them in a taxable account. The Betterment article seems to be based in good facts, especially when it mentions each 5-year period since 1955, I believe it was...
by Supermercado
Fri Feb 14, 2014 4:39 am
Forum: Investing - Help with Personal Investments
Topic: 2 Year & Milestone Check Up
Replies: 7
Views: 1083

Re: 2 Year & Milestone Check Up

mnvalue: My job isn't particularly vulnerable, no. My wife's is more so. I'm also the primary earner and it would be much more challenging to live on her income alone than mine alone. You're right, though, if all non-essential items were temporarily cut out, either of our incomes would definitely g...
by Supermercado
Thu Feb 13, 2014 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Year & Milestone Check Up
Replies: 7
Views: 1083

Re: 2 Year & Milestone Check Up

In theory it sounds great but can you post your holdings by account rather than lumping them all together? Laura Sure thing. 401k Bonds: 21% (Passive Aggregate, tracks Barclays US Aggregate Bond Index) Large-Cap: 37.92% (Index Equity fund, tracks S&P 500 Index) Extended Market: 6.47% (Wilshire ...
by Supermercado
Thu Feb 13, 2014 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Year & Milestone Check Up
Replies: 7
Views: 1083

2 Year & Milestone Check Up

Hey, everyone, I've been following the Boglehead way for about 2 years now and just want to get some more eyes on my plan and make sure that I'm on track and doing okay. I keep a spreadsheet where I track my estimated net worth and that number crossed $250,000 for the first time today so I figured n...
by Supermercado
Mon Sep 23, 2013 4:28 pm
Forum: Personal Consumer Issues
Topic: Best deals on gyms
Replies: 40
Views: 3942

Re: Best deals on gyms

I go to a Crossfit gym usually 4x/week for $108/mo. It's normally $120 but my gym gives a 10% discount for employees of the company I work for so it cuts the price down a little bit.
by Supermercado
Wed Aug 07, 2013 10:08 am
Forum: Investing - Theory, News & General
Topic: POLL: Why do you slice and dice your portfolio?
Replies: 30
Views: 3475

Re: POLL: Why do you slice and dice your portfolio?

My 401k has pretty good options, including target retirement plans with <0.20% ERs, I believe. My portfolio is sliced up into 6 pieces, according to where I can hold each class the cheapest. All my assets are in either my 401k or Roth IRA. I've got the entirety of my S&P 500 and bond holdings in...
by Supermercado
Tue Aug 06, 2013 8:25 am
Forum: Personal Consumer Issues
Topic: Vehicle suggestions for Big & Tall?
Replies: 65
Views: 23045

Re: Vehicle suggestions for Big & Tall?

It doesn't 100% fit your criteria but just additional data, really. I'm 6'4" 330lbs (working on that last bit, but the height isn't something I can change, obviously) and will be looking to replace my 2002 Grand Prix in the next year or so. Unless something really wows me, I've got my eyes on a...
by Supermercado
Thu Jul 25, 2013 7:29 am
Forum: Investing - Theory, News & General
Topic: Best online portfolio viewing site?
Replies: 48
Views: 9233

Re: Best online portfolio viewing site?

Use one of the links provided in an earlier post (e.g. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=120029&p=1758579#p1758579) File Menu > Download As > XLS Save a copy and enter your own info.. play with it.. then upload it to your docs.google.com account.. and that should be it. T...
by Supermercado
Wed Jul 24, 2013 3:47 pm
Forum: Investing - Theory, News & General
Topic: Best online portfolio viewing site?
Replies: 48
Views: 9233

Re: Best online portfolio viewing site?

I usually use Fidelity Full View. That's more out of necessity than anything, as my 401k is through Fidelity and I'm not sure why, but our options in the 401k aren't mutual funds with ticker symbols. The exact wording is: "The fund is invested in a stock portfolio that mirrors the S&P 500® ...
by Supermercado
Wed Jul 24, 2013 11:35 am
Forum: Investing - Help with Personal Investments
Topic: What Are You Using for Your Emergency Funds?
Replies: 63
Views: 6420

Re: What Are You Using for Your Emergency Funds?

I usually keep at least $20K in cash between checking and savings, which would be enough to cover 6-9 months at my current spending, which includes funding my Roth IRA, a crossfit gym membership, landscaping service, that sort of stuff. If I really needed to make my emergency fund last, I could trim...
by Supermercado
Wed Jun 19, 2013 7:49 am
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 299
Views: 60978

Re: What age did you reach 100K networth?

I unfortunately don't have the quality of data that I do now for the time period when I crossed 100K. My best guess is that it was around when I bought my house a few months before turning 28 in 2010. An educated shot in the dark... I was 26. I know July 2012 was when my investments alone crossed 10...
by Supermercado
Sun Apr 28, 2013 8:54 am
Forum: Personal Finance (Not Investing)
Topic: The Frontline Retirement Episode
Replies: 16
Views: 2276

Re: The Frontline Retirement Episode

The exp ratio already includes the management fee in these cases. This caught my eye and I'm curious how you know this. The reason I ask is because when I look at my 401k options - the S&P 500 index for example - it says the gross expense ratio is 0.04% but it also lists an Investment Managemen...
by Supermercado
Mon Feb 18, 2013 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 16338

Re: Where were you financially in your late twenties?

I turned 30 about 6 months ago. I've been working full-time for almost 8 years, almost 6 years at my current job, which is when I started my 401k and starting investing in my Roth IRA. That was 2007. Prior to that at my previous job, I lived in an expensive area making less than half what I make now...
by Supermercado
Tue Feb 05, 2013 10:47 am
Forum: Personal Finance (Not Investing)
Topic: do you charge everything to 1 credit card?
Replies: 60
Views: 5352

Re: do you charge everything to 1 credit card?

I charge as much as possible to my 2% cash back Fidelity Amex. The card I used primarily before that was my Chase Amazon.com Visa, I still use that for anything I buy at Amazon. I also have my oldest and biggest limit card set to pay my Netflix bill so it keeps activity on the card and keeps the acc...
by Supermercado
Sat Feb 02, 2013 8:54 pm
Forum: Personal Consumer Issues
Topic: Why would anybody use Turbotax?
Replies: 111
Views: 15172

Re: Why would anybody use Turbotax?

I've used TurboTax since I started filing my own taxes and I've always been happy with it. I tried the online TurboTax Deluxe this year and was able to get it for $19.99 through both USAA and Vanguard. I live in Florida so there's no state income tax so it was just $29.99 - $10.00 = $19.99 for the D...
by Supermercado
Tue Jan 22, 2013 4:40 pm
Forum: Personal Consumer Issues
Topic: Do you use a branchless online bank, and why?
Replies: 37
Views: 3535

Re: Do you use a branchless online bank, and why?

I use both USAA (checking) and Capital One 360 (formerly ING Direct, savings) online banks. I also have an account at Wells Fargo that I use if I need to do anything locally. I also get a discounted rate on my safe deposit box there due to a program I was eligible for from before Wells Fargo acquire...
by Supermercado
Tue Jan 01, 2013 6:07 pm
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 6182

Re: How to calculate return on a portfolio

I copied the data into a separate Google Docs spreadsheet that can be found here: https://docs.google.com/spreadsheet/ccc?key=0Apz7MC_uiPTddHRub2h4eE0tZkRONlJRR3N0Y3VIUXc . If anyone has a minute to take a quick look and see if I'm doing it correctly, it would be greatly appreciated. Thanks! FYI, y...
by Supermercado
Tue Jan 01, 2013 11:29 am
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 6182

Re: How to calculate return on a portfolio

Yes, that looks correct now! Excellent, thanks again for your help! I've always been curious how to properly calculate my return across both investment vehicles and now I know and have a working example for 2013 and beyond, very happy about that. Thanks! Yes, I really like the XIRR function. If you...
by Supermercado
Tue Jan 01, 2013 10:46 am
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 6182

Re: How to calculate return on a portfolio

DR wrote:Yes, that looks correct now!

Excellent, thanks again for your help! I've always been curious how to properly calculate my return across both investment vehicles and now I know and have a working example for 2013 and beyond, very happy about that. Thanks!
by Supermercado
Tue Jan 01, 2013 10:38 am
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 6182

Re: How to calculate return on a portfolio

It appears you may not have entered a beginning balance for the first entry at the beginning of the year. Ah, okay, that makes more sense, thank you! I think when I tried adding the beginning balance, I had added it as a negative number and it was giving me an error that it couldn't compute the ret...
by Supermercado
Tue Jan 01, 2013 10:20 am
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 6182

Re: How to calculate return on a portfolio

You don't take them out for the same reason you don't put dividends in. If I start at 1000 and end up at 1200, the only thing that matters are contributions and withdrawals. If I have neither, I am up 20% even if there are $2000 of dividends added and $1800 of fees taken out. Thanks for the reploy,...
by Supermercado
Tue Jan 01, 2013 10:06 am
Forum: Investing - Theory, News & General
Topic: How to calculate return on a portfolio
Replies: 55
Views: 6182

Re: How to calculate return on a portfolio

After seeing this thread and the one about 2012 returns, I've been trying to calculate my return. I copied all my data into Google Docs and used the XIRR function to do so, but the number it's spitting out is a lot higher than I was anticipating and was hoping for a sanity check or maybe an explanat...
by Supermercado
Thu Dec 06, 2012 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Plan Check-up
Replies: 5
Views: 714

Re: Investing Plan Check-up

Ah, a very good point, bdpb , thank you! In a quick google search, I came across this link that breaks down the different indexes: http://www.indexinvestor.com/Free/basics.php . According to that link, "The Wilshire 4500 includes all the stocks included in the Wilshire 5000, except those that a...
by Supermercado
Wed Dec 05, 2012 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Plan Check-up
Replies: 5
Views: 714

Re: Investing Plan Check-up

I did a little checking and short of changing my asset allocation (probably by either removing the REIT class or small cap class altogether), I'm not sure I can do a whole lot better than the Small Cap Growth fund in my 401k. I'm not sure that any changes I might make to the asset allocation to move...
by Supermercado
Tue Dec 04, 2012 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Plan Check-up
Replies: 5
Views: 714

Re: Investing Plan Check-up

I looks OK. I would tilt more to small value assuming you can with a low cost fund. I did not see one worth getting available on the list, but something to think about down the road. Historically - like 50 years - it has outperformed small growth by a margin. The theory for the out performance is t...
by Supermercado
Tue Dec 04, 2012 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Plan Check-up
Replies: 5
Views: 714

Investing Plan Check-up

Hi, all, I've been coming here and doing things the Boglehead way for almost a year now and I think I'm doing everything right, I just wanted to get a quick confirmation that I've got it all figured out and there's nothing I could be doing a lot better than I already am. Here's how everything breaks...
by Supermercado
Wed Nov 28, 2012 2:27 pm
Forum: Investing - Theory, News & General
Topic: Do you have money in taxable? What percent?
Replies: 74
Views: 6890

Re: Do you have money in taxable? What percent?

No money in taxable investments, no, although I'll owe taxes on some of these items when they're withdrawn. Among these categories, I'm allocated as follows: Cash/Emergency Fund: 17% Series I/Series EE Bonds: 2% 401k/Roth IRA: 81% The Series EE bonds are older bonds purchased for me by grandparents ...
by Supermercado
Thu Nov 15, 2012 3:56 pm
Forum: Personal Consumer Issues
Topic: What Advice Would You Give Your 30yo Self?
Replies: 70
Views: 7742

Re: What Advice Would You Give Your 30yo Self?

I just turned 30 this year and have had my head on straight since I turned 20. But I'd tell my 18/19 year-old self to not play so many computer games the first couple years in college and cost myself a good scholarship that would have in all likelihood kept me out of student loan debt post-college. ...
by Supermercado
Sat Nov 03, 2012 6:32 pm
Forum: Personal Consumer Issues
Topic: Star Wars Franchise - What Order?
Replies: 47
Views: 3444

Re: Star Wars Franchise - What Order?

I'd consider machete order: http://static.nomachetejuggling.com/machete_order.html if I knew someone that had never seen them before. If not this order, release order.
by Supermercado
Mon Aug 06, 2012 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Would you pursue a refinance?
Replies: 22
Views: 2529

Re: Would you pursue a refinance?

merrickm , sorry for the delay in response, I haven't done anything just yet with the car loan, no. I did start the application at PenFed to see how it worked and it did ask if the loan was for a new car, a used car, or a lien-free owned car. I didn't go any further than that, though. I can't reall...
by Supermercado
Fri Jul 13, 2012 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pursue a refinance?
Replies: 22
Views: 2529

Re: Would you pursue a refinance?

bdpb , you're right, I've been comparing apples to oranges this whole time. My thinking was only taking into account the actual monthly payments involved. G-Money , I was using somewhere between clean trade-in and clean retail. The full retail value is $5450. I assume PenFed will do a similar check...
by Supermercado
Fri Jul 13, 2012 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Would you pursue a refinance?
Replies: 22
Views: 2529

Re: Would you pursue a refinance?

First off, so sorry that I couldn't get back and post yesterday, it was just one of those days at work and then was busy all last night and am just now able to sit down and compose a proper reply. Thanks for all the posts in the meantime, I'll address them all now. Thanks again! Watty , I had no ide...
by Supermercado
Wed Jul 11, 2012 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pursue a refinance?
Replies: 22
Views: 2529

Re: Would you pursue a refinance?

Thanks for all the replies! I'll do my best to address each one in full. Outer Marker , I did give AmeriSave a quick call at lunch and they said the same as you did, that the credit can be applied to all expenses associated with the loan. If the expenses are less than the credit, they actually send ...
by Supermercado
Wed Jul 11, 2012 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Would you pursue a refinance?
Replies: 22
Views: 2529

Re: Would you pursue a refinance?

That's what I was thinking, as well, that my current escrow account would be completely squared up and things would start over with a new escrow account. I'm looking at the latest escrow analysis from my current escrow account and for August, it shows a projected balance of about $500. How does that...
by Supermercado
Wed Jul 11, 2012 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Would you pursue a refinance?
Replies: 22
Views: 2529

Re: Would you pursue a refinance?

I was afraid of that, I tend to be excessively wordy. Thanks for the heads-up on it, I've edited my original post to try and make it more clear. I've left the original intact for reference.
by Supermercado
Tue Jul 10, 2012 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pursue a refinance?
Replies: 22
Views: 2529

Would you pursue a refinance?

Edit: Due to advice, I'm going to edit this first post to try and explain the options a little more briefly and clearly. I'm going to leave the original post intact in case I or anyone needs to reference it. I've seen people mention Amerisave so I decided to check them out and see what they offered...
by Supermercado
Fri Mar 16, 2012 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

I made an attempt at looking at both accounts as a single vehicle and keeping the same asset allocation as before, a slightly different strategy to minimize the expenses as much as possible. Here's the asset allocation for reference: - 30% - Bonds - 34.3% - Large Cap - 9.8% - Mid Cap - 4.9% - Small ...
by Supermercado
Thu Mar 15, 2012 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

Thanks for the wiki links, I'll be sure to check them out before making my move. Definitely going to run the numbers on if all accounts are considered together and see if the expenses can be brought down further if I can put whole classes in a single vehicle, and possibly get more Admiral shares.
by Supermercado
Thu Mar 15, 2012 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

Is the Passive Aggrgate Strategy Fund a bond fund? If so you might wish to also add the Stable Value fund if it is paying more than 3% and perhaps go with 20 10 or 25 5 The asset class for both is listed as Bond Investments. They are the only two options in the Bond Investments class. The informati...
by Supermercado
Thu Mar 15, 2012 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

That's a very good point. I thought about it yesterday but wasn't sure if I should try to match the AA in each vehicle or as a whole. Lately I've kept between $20,000 and $25,000 in cash that's for both day-to-day spending and bills, but also my savings (savings is separated off into an online savin...
by Supermercado
Thu Mar 15, 2012 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

I took a little time at lunch and drew up a possible allocation, wanted to get some feedback before proceeding. In both my Fidelity 401k and Vanguard Roth IRA, I went with a 70/30 split for stocks/bonds, I'll be 30 in a few months so that comes from following the advice of my age in bonds. In the 70...
by Supermercado
Thu Mar 15, 2012 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

Definitely worth the exploration to determine that the refinance won't buy me much. I'd been thinking about it for a few months but hadn't actually checked any comparable sales and the one two houses down that's about 40 sq ft larger than mine, on the same size lot, by the same builder that sold for...
by Supermercado
Thu Mar 15, 2012 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

Thanks for the reply. I thought $4600 was a lot, too, that's not that much lower than what it was when I first bought the house, if I recall correctly (fortunately, the builder paid the original closing costs). The person I spoke with did not mention points at all and when I spoke to a local credit ...
by Supermercado
Thu Mar 15, 2012 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

I checked a little bit on the possible refinance and from what it sounds like, at this point, it may not be worth it. My current loan is about $133,000 @ 5.125%, which is a monthly payment of $750. The property is new and doesn't appear on even Zillow.com or anything so I can really only guess at wh...
by Supermercado
Wed Mar 14, 2012 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

Depending on your situation (credit score, expected time at current home, etc.) it may be beneficial to look into refinancing the home loan, 5.125% seems a bit high with where interest rates are today. May be able to find a no-cost refinance that would beat that rate. I did look into this a few mon...
by Supermercado
Wed Mar 14, 2012 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Re: Young investor looking for improvements

I just wanted to chime in and say that for having 2 years in salary saved before you've hit 30 is great! Thanks! I try to not live extravagantly and spend wisely, I seem to be in good company on this forum. Aside from that all I'll say is that you seem to be a little low on bonds (currently it look...
by Supermercado
Wed Mar 14, 2012 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Young investor looking for improvements
Replies: 20
Views: 1703

Young investor looking for improvements

Hi, all, I just discovered this forum and the treasure trove of information on it. I've been trying to catch up as much as I can the last day or so but I wanted to post and see what kind of advice I may be able to get to make improvements to my investments and overall financial health. I'm 29 and si...