Search found 36 matches

by ComebackKid
Sun Mar 29, 2020 4:48 pm
Forum: Personal Investments
Topic: Retirement Check: Guidance Appreciated
Replies: 9
Views: 794

Re: Retirement Check: Guidance Appreciated

Thanks Duckie. Agree on seeking out lower expense funds. That said, I'm thinking it would be wise to hold off on suggesting any moves as it would be locking in 15-25% losses. Would you agree? Or does it not matter since presumably anything in the same asset class has probably posted similar losses o...
by ComebackKid
Sun Mar 29, 2020 3:09 pm
Forum: Personal Investments
Topic: Retirement Check: Guidance Appreciated
Replies: 9
Views: 794

Re: Retirement Check: Guidance Appreciated

Edited original post with fund details as well as available fund options for both accounts.
by ComebackKid
Sun Mar 29, 2020 1:37 pm
Forum: Personal Investments
Topic: Retirement Check: Guidance Appreciated
Replies: 9
Views: 794

Re: Retirement Check: Guidance Appreciated

Thanks Watty and Homestretch for the replies. I'll look into obtaining the additional information you've highlighted. Thanks again.
by ComebackKid
Sun Mar 29, 2020 12:34 pm
Forum: Personal Investments
Topic: Retirement Check: Guidance Appreciated
Replies: 9
Views: 794

Retirement Check: Guidance Appreciated

Presenting information (as much as I know) about a relative considering retirement in the next few weeks. Any help will be appreciated with respect to feasibility. Age: 65 Cash: $29k (7k in t-bonds) Debt: $77k (Mort:$72k, Car: $4k) Home value: roughly 400-450k Retirement Accounts: Schwab 401k - $103...
by ComebackKid
Wed Mar 13, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred: Cancel/Downgrade Question
Replies: 13
Views: 1906

Re: Chase Sapphire Preferred: Cancel/Downgrade Question

Thank you both for the replies. It's well after a year, which is why I didn't want pay another annual fee if I'm not using it.
by ComebackKid
Wed Mar 13, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred: Cancel/Downgrade Question
Replies: 13
Views: 1906

Chase Sapphire Preferred: Cancel/Downgrade Question

A while back, I signed up for the Chase Sapphire Preferred (CSP), as I had a large purchase coming up. Fast forward, I'm finding I have little use for the card as I also have the Reserve (which gets the most use). I've transferred the points into the Reserve account to have them all in one place. My...
by ComebackKid
Mon Jan 07, 2019 7:26 pm
Forum: Personal Investments
Topic: Tax-Efficient Funds for Taxable Account
Replies: 16
Views: 3882

Re: Tax-Efficient Funds for Taxable Account

Thanks for all the replies thus far. It might be worth clarifying that the money invested will not be retirement (i.e. part of my overall portfolio/asset allocation). Instead, I was hoping to invested in the aforementioned LifeStrategy fund as an alternative to using CD's, since the level of risk of...
by ComebackKid
Sun Jan 06, 2019 8:26 pm
Forum: Personal Investments
Topic: Tax-Efficient Funds for Taxable Account
Replies: 16
Views: 3882

Tax-Efficient Funds for Taxable Account

I'm looking to invest some extra savings (non-emergency fund) in a taxable account at Vanguard. In terms of a fund with an allocation I'm comfortable with, I was eyeing the Vanguard Lifestrategy Conservative Growth Fund (VSCGX). However, before pulling the trigger I wanted to make sure that I wasn't...
by ComebackKid
Wed Jan 24, 2018 12:30 pm
Forum: Personal Investments
Topic: Requesting Help with Fund Selections for Simple Portfolio
Replies: 7
Views: 521

Re: Requesting Help with Fund Selections for Simple Portfolio

Two additional questions: 1) Since these are both retirement accounts, am I correct in thinking that the placement of bonds between the two accounts (tIRA and rIRA) is irrelevant? As opposed to if I was dealing with a taxable account. 2) Is there any overlap in asset holdings between VTSAX and VTIAX...
by ComebackKid
Wed Jan 24, 2018 12:03 pm
Forum: Personal Investments
Topic: Requesting Help with Fund Selections for Simple Portfolio
Replies: 7
Views: 521

Requesting Help with Fund Selections for Simple Portfolio

Before purchasing funds, I wanted to make sure I was selecting them correctly according to desired allocation, location within portfolio, etc. The AA will be 90/10 stock-bond. With my desired percentage of international stocks at 25%. Two questions: 1) What is the most efficient fund selections to c...
by ComebackKid
Thu Mar 30, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Chase Credit Card Question
Replies: 18
Views: 2453

Chase Credit Card Question

I currently have the Sapphire Reserve. I have a large purchase coming up that will satisfy the spend requirements for a new card bonus and was wondering if I can also get the Sapphire Preferred, meet the spend, get the bonus and then move those points into the same account I have with the Reserve to...
by ComebackKid
Thu Nov 03, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 43347

Re: Chase Sapphire Reserve: Too good to be (completely) true

ayjayc wrote: As it stands, you can redeem the $300 travel credit twice. Once during the 1st calendar year you have the card and again on the 2nd calendar year. I wouldn't be surprised if Chase decides to close up this loophole in the future. Based on this, should I wait until Jan 1, 2017 to apply?...
by ComebackKid
Tue Apr 29, 2014 7:33 am
Forum: Personal Investments
Topic: Asset Allocation Help - New Funds Added to 401K
Replies: 6
Views: 1376

Re: Asset Allocation Help - New Funds Added to 401K

Thanks for to all who have responded thus far.

DSInvestor:

If I'm not going to attempt to approximate the Total Stock Market in the 401k, do the contents of VTSAX mitigate the need for holding any Extended Market Index (VEMSX) in my 401K?

Thanks again for your help.
by ComebackKid
Mon Apr 28, 2014 8:10 pm
Forum: Personal Investments
Topic: Asset Allocation Help - New Funds Added to 401K
Replies: 6
Views: 1376

Asset Allocation Help - New Funds Added to 401K

Right now I would like an 85/15 AA. My company just replaced some old funds with some Vanguard funds. Can you please provide some insight into how I should set up my AA? The VINIX was previously a S&P 500 Index fund that was automatically transferred. Any help is much appreciated. Thanks! Currently:...
by ComebackKid
Thu Mar 27, 2014 5:32 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Budapest?
Replies: 31
Views: 7138

Re: Anyone been to Budapest?

Following this thread closely as I'll be in Budapest in April too! Is there a rough percentage of places that only accept Euro as opposed to forint? Something like 30/70? I hope I don't have to carry around both.
by ComebackKid
Thu Mar 27, 2014 12:26 pm
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 2475

Re: Upcoming European Vacation - Currency Exchange Questions

Thanks everyone for the responses. I just applied for a Capital One credit card. It said I was approved and would have the card in 7-10 days. I believe I'll still follow-up to check on the status and ensure that it's actually being sent. Will I need to ask the company about the CHIP + PIN info or wi...
by ComebackKid
Wed Mar 26, 2014 12:36 pm
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 2475

Re: Upcoming European Vacation - Currency Exchange Questions

Thanks everyone for the comments. Unfortunately the CC I have is with Wells Fargo. I'm assuming in 3 weeks I won't be able to obtain a CC that has no transaction fees. :? MathWizard--Were there any additional fees for obtaining a small amount of local currency at your bank before departing? For all,...
by ComebackKid
Wed Mar 26, 2014 6:55 am
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 2475

Upcoming European Vacation - Currency Exchange Questions

Hi All, I'm traveling overseas in 3 weeks for the first time and had some questions regarding currency exchange. I'm going to visit Hungary (forint) and Croatia (kuna). For those who have traveled how to recommend I obtain local currency? I have heard of some people who obtain some currency before d...
by ComebackKid
Mon Mar 10, 2014 4:50 pm
Forum: Investing - Theory, News & General
Topic: Math Behind Information
Replies: 6
Views: 1040

Math Behind Information

How would one use mathematics to arrive at the end results listed below? Math has never been my strong suit (in part because I avoided it as though it were the plague in my formative years :? ). Also is there a good resource for similar finance-related issues and how to apply mathematics in order to...
by ComebackKid
Mon Mar 10, 2014 4:41 pm
Forum: Personal Investments
Topic: 85/15 AA with these 4 Vanguard Funds
Replies: 3
Views: 818

Re: 85/15 AA with these 4 Vanguard Funds

Thanks Shredder. An assumed 25% International allocation works for this example.

Are there sites out there where you can enter the different funds and it automatically spits out an allocation breakdown based on general allocation values entered (stocks/bonds)?
by ComebackKid
Mon Mar 10, 2014 3:53 pm
Forum: Personal Investments
Topic: 85/15 AA with these 4 Vanguard Funds
Replies: 3
Views: 818

85/15 AA with these 4 Vanguard Funds

Hi All, With an 85/15 AA, what would be the best way to represent this using the following funds only : Vanguard Extended Market Index Fund Signal Shares (VEMSX) Vanguard Institutional Index Fund Institutional Shares (VINIX) Vanguard Total International Stock Index Fund Signal Shares (VTSGX) Vanguar...
by ComebackKid
Sat Jan 05, 2013 2:30 pm
Forum: Personal Consumer Issues
Topic: Vacation in Europe - Questions
Replies: 27
Views: 2783

Re: Vacation in Europe - Questions

jeffyscott,

What resources did you use for searching/booking your accommodations? Others have already provided some excellent resources in this thread, but I wasn't sure if you were using something that hasn't been mentioned yet. Have a wonderful trip and thanks for commenting!
by ComebackKid
Fri Jan 04, 2013 1:46 pm
Forum: Personal Consumer Issues
Topic: Vacation in Europe - Questions
Replies: 27
Views: 2783

Re: Vacation in Europe - Questions

Excellent advise everyone. It's reassuring to hear that usually the less expensive hotels in a given area are nice, clean, and safe. I was hoping there would be enough time to spend a solid 3-4 days in Budapest and then spend the remaining 1.5 weeks in Croatia (including the national/state parks the...
by ComebackKid
Thu Jan 03, 2013 8:43 am
Forum: Personal Consumer Issues
Topic: Vacation in Europe - Questions
Replies: 27
Views: 2783

Re: Vacation in Europe - Questions

Other than the areas we've discussed visiting, I haven't mapped out the route we would take to incorporate them all. Ideally, I'd like to use public transportation as much as possible (trains). It's a bit overwhelming to look at a map and see other countries/cities close enough that all of a sudden ...
by ComebackKid
Wed Jan 02, 2013 7:19 pm
Forum: Personal Consumer Issues
Topic: Vacation in Europe - Questions
Replies: 27
Views: 2783

Vacation in Europe - Questions

My wife and I are considering going on a 2 week vacation in the early fall 2013 or early spring 2014. We're hoping to incorporate Croatia, Budapest, and depending on time Prague and Krakow (Poland). I've never been to Europe and had a few questions. What is the average amount, per person, that it wo...
by ComebackKid
Thu Dec 27, 2012 8:37 pm
Forum: Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 2404

Re: Vanguard Roth IRA Consideration

Johm221122, From what you've suggested, how does the rebalancing work? I'm familiar with rebalancing when they're all under one umbrella and it's easy to just transfer funds, but I'm less familiar with how it could be accomplished when investments are spread out between a 401(k) and a Roth. I'm some...
by ComebackKid
Thu Dec 27, 2012 10:16 am
Forum: Personal Investments
Topic: Holding Individual Stocks in Vanguard Roth IRA?
Replies: 4
Views: 2367

Holding Individual Stocks in Vanguard Roth IRA?

I am planning on setting up a Roth IRA but was curious about purchasing/holding individual stocks within a Roth. Is this possible with a Vanguard Roth IRA? What are the benefits/drawbacks of doing so? Any and all information will be much appreciated. Thanks.
by ComebackKid
Fri Dec 21, 2012 9:51 am
Forum: Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 2404

Re: Vanguard Roth IRA Consideration

Thanks Johm.

Would the allocation for the 401K between two you mentioned be 80/20?, or would that be too risky?
by ComebackKid
Thu Dec 20, 2012 9:29 pm
Forum: Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 2404

Re: Vanguard Roth IRA Consideration

While I'm seeking recommendations for Roth IRA's and my 401(k) investments, I have another question: What is the best company to go through for purchasing individual stocks as part of your Roth IRA portfolio? Any assistance is appreciated. Thanks.
by ComebackKid
Thu Dec 20, 2012 9:25 pm
Forum: Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 2404

Re: Vanguard Roth IRA Consideration

I currently have $21,244 invested in my 401K at the moment, 100% in a target fund (Schwab Index Ret Trust 2045). 10 months ago, in order to catch up, I upped my savings rate to 17%. So I'm putting about $7,500 a year into my 401K. Like most people, I would love to retire early (if possible) and comf...
by ComebackKid
Tue Dec 18, 2012 7:25 am
Forum: Personal Investments
Topic: Vanguard Roth IRA Consideration
Replies: 12
Views: 2404

Vanguard Roth IRA Consideration

I have been thinking about opening a Roth IRA with Vanguard. I just turned 30 and thought it would be a great gift to myself. I obviously misunderstood, but I didn't realize that in order to invest in VBMFX, VTSMX, and VGTSX, it would cost $3K each (total of $9K). I, for some reason, had thought I c...
by ComebackKid
Tue Dec 11, 2012 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Saving Question
Replies: 11
Views: 1334

Retirement Saving Question

I've got a basic question. Should I split my retirement savings between contributing to both a 401(k) and a Roth IRA or should I focus my savings into the 401(k) only? I'm having trouble trying to figure out if it will be more valuable to have a larger amount of money compounding (pre-tax) versus ha...
by ComebackKid
Fri Nov 30, 2012 7:29 am
Forum: Personal Finance (Not Investing)
Topic: How much to contribute to 401(k) vs. Roth?
Replies: 11
Views: 1719

How much to contribute to 401(k) vs. Roth?

Currently i'm contributing 17% to my 401(K), but I'm strongly considering opening a Roth IRA with my wife. Two questions: 1) Can you jointly open a Roth? 2) I'm looking for some advice for how much to contribute to both a 401K and a Roth. I intend to contribute, at a minimum, enough to get all compa...
by ComebackKid
Tue Sep 18, 2012 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Financing - Adverse effects on Credit Score?
Replies: 3
Views: 637

0% Financing - Adverse effects on Credit Score?

I just purchased a new bed and couch. They offered financing for 0%. I have the money to pay it off immediately, but thought it might be beneficial to space out the payment over a year. Will doing this adversely affect my credit score in any way?
by ComebackKid
Thu Jul 19, 2012 6:35 pm
Forum: Personal Investments
Topic: 401K Confusion
Replies: 1
Views: 521

401K Confusion

First, some basic information that will help to understand my situation and tailor any advice. I'm 29 years old. Started a little late with investing in my 401K, but I'm trying to play catch up. I have about almost $16K invested in my 401K at the moment divided up: 84% in a target fund (Schwab Index...