Search found 16 matches

by craigers
Tue Sep 12, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32648

Re: Can't freeze credit at Experian?

I failed with all three (Experian, Equifax, Transunion) last night online, but today I froze Experian, and Equifax over the phone and Transunion online.

Point being give it another try and call if the online interface doesn't work.

Good luck!
by craigers
Sun Sep 03, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 271389

Re: What are you up YTD? [Year To Date]

8.14% YTD - 65/35 with 20% of stock allocaion in Total International.

Best performer FSTVX, YTD up 10.74%
by craigers
Fri Sep 01, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10110

Re: Companies/Brands You Love?

I second CaliJim's vote for Concept2...phenomenal company
by craigers
Mon Aug 07, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 9901

Re: Has the "bond bubble" caused you to change your allocation?

No, I'm 47 and still 65/35.

The first bullet under the article title makes me ignore (or at least severely discount) all that follows:

"Inflation won’t stay at historically low levels, dooming bonds"

doomed!!
by craigers
Tue Dec 27, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 14796

Re: I'll never save a 20% down payment. Rent for life?

I used an 80/20 loan to buy my house, although, this was 15 years ago. It's a weird product in that using this type of loan involves taking out a heloc loan (20% of the house value) and putting it down on a house that you don't own yet, thereby, removing the PMI requirement. Seems like maybe they ar...
by craigers
Tue Dec 20, 2016 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative at 65/35?
Replies: 37
Views: 6886

Re: Am I being too conservative at 65/35?

It's a fine allocation. I'm 65/35 at 46 years old.
by craigers
Mon Jul 18, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Term Life
Replies: 14
Views: 1449

Re: State Farm Term Life

State Farm is a fine choice. We have two 20 year term life insurance policies with them: One for my wife and one for myself, both 250K and we pay about 20 bucks a month for each. I found it beneficial to have my auto, home, and life with them so I can pay for all with one single payment per month, v...
by craigers
Thu Jun 02, 2016 9:19 pm
Forum: Investing - Theory, News & General
Topic: Thank you Taylor Larimore
Replies: 51
Views: 9588

Re: Thank you Taylor Larimore

Thank you Taylor. Thanks to you I'm currently using the Three Fund Portfolio and it's so simple, elegant and easy. You have made mine and my families investing life better.

Cheers Sir!
by craigers
Fri Jan 22, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Empower Retirement: Feedback?
Replies: 5
Views: 1719

Re: Empower Retirement: Feedback?

My company went through the same transition from JH to Empower and we had a 20 day blackout as well. I have never needed to use support so I can't speak to that but the Empower website is fine and and have been generally happy with the switch. The offerings are much better but Empower is just a hold...
by craigers
Thu Jan 07, 2016 6:10 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA
Replies: 20
Views: 1885

Re: Inherited IRA

I inherited an IRA with TIAA CREF and moved it to Vanguard. I have it invested 100% in VBTLX, take RMD's yearly, and immediately reinvest the RMDs. The idea here is to keep the funds growing tax deferred as long as possible. Honest question - why is it 100% invested in VBTLX as opposed to including...
by craigers
Wed Jan 06, 2016 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA
Replies: 20
Views: 1885

Re: Inherited IRA

I inherited an IRA with TIAA CREF and moved it to Vanguard. I have it invested 100% in VBTLX, take RMD's yearly, and immediately reinvest the RMDs. The idea here is to keep the funds growing tax deferred as long as possible.
by craigers
Tue Jan 05, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 13117

Re: Savings % Target 2016?

16.5% of gross
by craigers
Mon Dec 28, 2015 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 7508

Re: Buying a house with no money down

Hi Boglerocks,

Look into an 80/20 loan. My wife and I did this to buy our first house. We quickly refinanced to a 30 yr/ fixed but it was a great way to get into a house for 0 down and pay no PMI.

Cheers
by craigers
Thu May 16, 2013 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Mint
Replies: 15
Views: 2061

Re: Mint

I use Mint and MyPersonalIndex which can be found here: https://code.google.com/p/mypersonalindex/
by craigers
Thu May 09, 2013 7:46 am
Forum: Investing - Help with Personal Investments
Topic: CNNMoney Portfolio, Anyone Have Any Experience With It?
Replies: 3
Views: 598

Re: CNNMoney Portfolio, Anyone Have Any Experience With It?

I use Mint.com for this. I find it an excellent aggregator of financial information, budgets, etc..
by craigers
Sun Apr 01, 2012 4:10 pm
Forum: Personal Consumer Issues
Topic: How are hybrid cars in the snow?
Replies: 14
Views: 6054

Re: How are hybrid cars in the snow?

I live in the mountains of northern VT and drive a Prius. With a good set of snow tires I have never had a problem. I don't suggest studded tires, just a good set of aggressive snows and you'll be fine.