Search found 119 matches

by TXJuice
Wed Aug 23, 2017 7:41 pm
Forum: Personal Investments
Topic: 33 years old, how am I doing ?
Replies: 54
Views: 10224

Re: 33 years old, how am I doing ?

No one really commented on my current asset allocation and I'm very unsure how it looks. Allocation looks good as long as REITs and Bonds are in tax sheltered accounts. I had been considering asking for some advice about my personal situation, but this thread makes me reconsider. From a couple of b...
by TXJuice
Wed Aug 09, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 4313

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

If you end up going with a desktop, make sure you look at pcpartpicker.com (if you didn't already know).
by TXJuice
Sat Aug 05, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: belts for dress pants
Replies: 37
Views: 3598

Re: belts for dress pants

I have a Mission Belt - https://missionbelt.com/ I actually learned about them on Sharktank and it's a great belt, good quality and super adjustments without holes. +1 I have brown and blacks ones and love them. They don't fall apart/crease because they don't have holes. You can get them in a varie...
by TXJuice
Thu Aug 03, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 111064

Re: A poll: How much money do you want to retire?

I would like to have $3 million to retire. I am 30 right now. If I get a 6% return/year and I maintain my savings rate, I will hit that around age 52.
by TXJuice
Wed Jul 26, 2017 12:24 pm
Forum: Personal Investments
Topic: Borrow from 403B to maximize 457?
Replies: 6
Views: 771

Re: Borrow from 403B to maximize 457?

I would just put as much into your 457 as you can this year, while still remaining comfortable with your EF/down payment amount. I wouldn't do what you are proposing though.
Just max it out next year.
by TXJuice
Tue Jul 11, 2017 6:45 pm
Forum: Personal Investments
Topic: Son with first real job seeks investment help
Replies: 9
Views: 983

Re: Son with first real job seeks investment help

I would just do everything in TIAA-CREF Lifecycle Idx 2010-2060 – 0.37
by TXJuice
Mon Apr 03, 2017 5:41 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 234
Views: 30262

Re: Social Security for Millennials

Theoretical wrote:Regardless of the politics, from a strictly financial perspective, our retirement (30-odd years away) planning is based on getting nothing from SS.
+1
by TXJuice
Wed Jan 11, 2017 6:36 pm
Forum: Personal Investments
Topic: Future house down payment - What I'm missing with this approach
Replies: 5
Views: 969

Re: Future house down payment - What I'm missing with this approach

Like you said the market can drop and you could remain negative for several years. You have to ask yourself if postponing buying a home for a few years is worth the possibility of making a few extra thousand over a few years... only you can decide that. The above poster wrote his/her post as I was t...
by TXJuice
Mon Oct 24, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Identity Stolen, Next Steps?
Replies: 8
Views: 1248

Re: Identity Stolen, Next Steps?

Thanks for all of the info. I will go ahead and have it frozen. Seems a bit crazy that you can get it done for free, but you have to mail all of your info to them. Doesnt seem like they have much urgency to get you protected. Thankfully I refinanced my mortgage last month, and knock on wood will be...
by TXJuice
Mon Oct 24, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: Identity Stolen, Next Steps?
Replies: 8
Views: 1248

Re: Identity Stolen, Next Steps?

Here's what I did when this happened to me 3 months ago. Fill out a fraud affidavit at identitytheft.gov, then use this to file a police report (get a copy of this). With the 3 credit bureaus send them all of the requested information to freeze your credit (having a copy of the police report means t...
by TXJuice
Sat Oct 08, 2016 10:01 pm
Forum: Non-US Investing
Topic: Retiring on dividends [Australia]
Replies: 13
Views: 2184

Re: Retiring on dividends

Did you look at the Links, performance, management fees etc at all I read the article, but did not go that in depth. I apologize if my response offended you. I used that graphic because this topic has been discussed at least every 2-3 days (as many others can attest to) here with a different twist ...
by TXJuice
Sat Oct 08, 2016 9:27 pm
Forum: Non-US Investing
Topic: Retiring on dividends [Australia]
Replies: 13
Views: 2184

Re: Retiring on dividends

[Embedded animated GIF removed, here's the link. --admin LadyGeek]
by TXJuice
Wed Sep 28, 2016 10:21 pm
Forum: Personal Investments
Topic: Seen the light, need advice.
Replies: 18
Views: 2269

Re: Seen the light, need advice.

As for Vanguard I want to start a Roth and taxable account. I'd like to move $3700 from E-fund so I have a starting investment of 4K. My E-fund will grow back by 7k by May. For my Roth I'd like to buy 1k Total International Stock Index Funds and 1k Total Stock Market Index Funds. For my Taxable acc...
by TXJuice
Thu Sep 22, 2016 11:22 pm
Forum: Personal Investments
Topic: Quick short term savings question - Moving out of VTSMX to VSCGX?
Replies: 5
Views: 840

Re: Quick short term savings question - Moving out of VTSMX to VSCGX?

What about VTMFX (Vanguard Tax-Managed Balanced Fund)? It's 48.02% Stocks and 51.98% Bonds. ER .11% with a 10k minimum.
Not something I do myself, but something I have considered as a potential "placeholder" for future savings after getting my future downpayment in place in my online savings account.
by TXJuice
Wed Sep 21, 2016 11:00 pm
Forum: Personal Investments
Topic: Starting to Invest
Replies: 15
Views: 1649

Re: Starting to Invest

K I S Seizetheindex
by TXJuice
Mon Sep 19, 2016 10:09 pm
Forum: Personal Investments
Topic: Help with my investments, please :-)
Replies: 7
Views: 1151

Re: Help with my investments, please :-)

Questions: 1. Should I move my Roth IRA from American Funds into a Vanguard Roth IRA? Yes, but like the previous poster said - see if there are any fees 1.2 If so, what funds should I choose in Vanguard? You need an asset allocation first. But Total Stock Market + Total Bond Market. If you change y...
by TXJuice
Sun Aug 28, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 17725

Re: How much vacation time do you get at work?

I accrue 7.2 hours of PTO every pay period (2 weeks) which works out to ~187 PTO hours a year or 23 days. I also receive 5 days for CE. PTO is used for sick days and holidays. All of it can be rolled over, but it is capped at ~200 hours. I have worked here for 2 years and the hours accrued/cap incre...
by TXJuice
Fri Jun 03, 2016 8:09 pm
Forum: Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 8294

Re: When do YOU rebalance?

I follow the 5/25 rule, so anytime I am plugging in my info to my Excel sheet and I notice the bands have been "breached," I change it. Right now most of my excess income (after maxing Roth IRA and 403B) is going into my ALLY account for an eventual downpayment - 2-4 years away. I put a little into ...
by TXJuice
Fri Jun 03, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: What TYPE of books do you like to read?
Replies: 48
Views: 4071

Re: What TYPE of books do you like to read?

I read mostly history books. Primarily military history, mostly American. If anyone had a recommendation for a book on the War of 1812, I'd appreciate it. Every so often I'll read a fiction book. I've read most of Stephen King's books. And I'm a sucker for Dan Brown style books. Check out Jeff Shaa...
by TXJuice
Fri Jun 03, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: What TYPE of books do you like to read?
Replies: 48
Views: 4071

Re: What TYPE of books do you like to read?

I tend to jump around a lot a and read pretty much anything that interests me. I will read anything by: Tom Clancy (counter terrorism/warfare), Jeff Shaara (history/historical warfare - Revolutionary War, Civil War, WW2... basically anything the USA was a part of). I also enjoy fantasy at times - th...
by TXJuice
Fri Jun 03, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Cheap place to get prescription safety glasses?
Replies: 8
Views: 4394

Re: Cheap place to get prescription safety glasses?

As long as it is ANSI Z87.1, that should be all that you need.
by TXJuice
Tue May 31, 2016 10:48 pm
Forum: Personal Investments
Topic: New Investor excited to get started
Replies: 6
Views: 1096

Re: New Investor excited to get started

Questions: - We are above the Roth IRA income cap, so I was looking into Backdoor Roth IRA's. Is this a good route to take so my wife and I can utilize a Roth IRA? Yes - Should I put my 8K into the Fidelity FFNOX fund, along with annual contributions that I plan on making until I'm at 30K? I would ...
by TXJuice
Mon May 30, 2016 11:22 pm
Forum: Personal Investments
Topic: What do you think about my proposed portfolio
Replies: 13
Views: 1826

Re: What do you think about my proposed portfolio

FeesR-BullNotBullish wrote: -45% - Vanguard Total Stock Market Index (VTSMX)
-25% - Vanguard Total Intl Stock Index Inv (VGTSX)
-20% - Vanguard Total Bond Market
-10% - Vanguard REIT Index Fund (VGSIX)
:beer
by TXJuice
Mon May 30, 2016 11:17 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 9829

Re: What was your first investment?

When I was like 11/12 my dad bought some shares of Krispy Kreme Donuts for me.
At the time, I didn't realize that other people could own shares of the same company - I thought I was a donut tycoon for all of 2 days. :oops:
by TXJuice
Sat May 21, 2016 7:39 pm
Forum: Personal Investments
Topic: Next Step: 457 vs Taxable vs After Tax-> Roth
Replies: 5
Views: 862

Re: Next Step: 457 vs Taxable vs After Tax-> Roth

If you're going to use the 457b, make sure to read the summary plan document to figure out your options for disbursement. Some give you a lump sum disbursement, which is no bueno. As I mentioned, from the few conversations I have had in person with the reps from the managing company they have told ...
by TXJuice
Fri May 20, 2016 10:37 pm
Forum: Personal Investments
Topic: Next Step: 457 vs Taxable vs After Tax-> Roth
Replies: 5
Views: 862

Re: Next Step 457 vs Taxable vs After Tax-> Roth

A 457 has the advantage of allowing penalty-free distributions immediately upon retirement, vs. waiting to 59.5 with the 403b. If the investment options are equal, maximizing the 457 before the 403b is probably best. As for the pre-tax (traditional) vs. after-tax (Roth), that depends on how your wi...
by TXJuice
Fri May 20, 2016 10:15 pm
Forum: Personal Investments
Topic: Next Step: 457 vs Taxable vs After Tax-> Roth
Replies: 5
Views: 862

Next Step: 457 vs Taxable vs After Tax-> Roth

Emergency fund/Future downpayment: 27K @ Ally Debt: None, pay off CC each month Tax Filing Status: Single Tax Rate: 28% Fed, no State State of Residence: See Name Age: 29 Desired Asset allocation: 50% US, 30% Intl, 15% Bonds, 5% REITS (all are approximate) I am currently maxing out of my 403B (6% ma...
by TXJuice
Wed May 18, 2016 10:01 pm
Forum: Investing - Theory, News & General
Topic: Acquaintance asking about recession
Replies: 30
Views: 4043

Re: Any signs we AREN'T headed for a recession?

Just to preface my response, nobody knows. :confused GDP numbers - you said it yourself, they have to revise them multiple times because of inaccuracies. So who's to say they don't get revised up? The Fed - This statement doesn't support the idea that there is a recession looming, it's just a retros...
by TXJuice
Mon May 16, 2016 11:32 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 81
Views: 10254

Re: For those of you in the Accumulation Phase - How often do you check?

I look at VTI, VXUS, VNQ, and BND on my app, just to see what's going on.
I update my savings/growth in Excel and check my AA on the 30th/31st of every month. Too much? :confused
by TXJuice
Fri May 13, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 19749

Re: Jim Cramer doesn’t beat the market

I like Jim Cramer. He is worth listening to because he did run a hedge fund and knows a lot about the market. A very smart and entertaining guy to listen to. I also like him because he is so human, he lets it all hang out, his strengths and faults are there for everyone to see. You can listen and l...
by TXJuice
Mon May 02, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: Cutting Cable & Major League Baseball
Replies: 17
Views: 2384

Re: Cutting Cable & Major League Baseball

Has anybody tried Playstation Vue? It looks like it has more channels (including local Fox Sports for baseball) than Sling for a little more. I don't know anybody that has it, so I thought I'd ask.
by TXJuice
Sun Apr 24, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 50
Views: 8938

Re: How many "subscriptions" do you have?

Cable + Internet
Cell phone
Netflix
Apple Music
Gym Membership
Amazon prime (I got this for free with my cable/internet, not sure if I will renew next year)
by TXJuice
Sat Apr 23, 2016 11:36 pm
Forum: Personal Investments
Topic: Sanity Check My Investment Plan
Replies: 5
Views: 818

Re: Sanity Check My Investment Plan

My 401K 56% - JTSIX (JPMorgan SmartRetirement® 2050 Fund Class Institutional Shares - .8% expense ratio) Vanguard Institutional Index Fund Institutional Shares, VINIX, 0.04 Vanguard Extended Market Index Fund Admiral Shares, VEXAX, 0.1 Vanguard Total International Stock Index Fund Admiral Shares, V...
by TXJuice
Wed Apr 06, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loan in 2016?
Replies: 23
Views: 3384

Re: Pay off Student Loan in 2016?

I have come to terms that I need to pay off my student loan for a variety of reasons. Up until just a few months ago, I was only making the minimum payment on a 30 year loan fixed at 3.5%... My only other debt is my mortgage sitting at 164k fixed 30 year 3.125%. I have no intention of paying this o...
by TXJuice
Fri Mar 25, 2016 11:18 pm
Forum: Investing - Theory, News & General
Topic: Best Visual Graphic to Teach Power of Compounding?
Replies: 19
Views: 3256

Re: Best Visual Graphic to Teach Power of Compounding?

marekc wrote:That graphic is a bit misleading. The "total investments" $ happen in different years, $50k when you are 25 is not equal to $25k when you are 35 or 45. They have to compare is "total investments" in the same $.
I realize the graph is painting a broad brush stroke, but isn't that kind of the point?
by TXJuice
Fri Mar 25, 2016 10:02 pm
Forum: Investing - Theory, News & General
Topic: You cannot make money old fashioned way in this market
Replies: 25
Views: 6503

Re: You cannot make money old fashioned way in this market

He also says that "stocks could overshoot in either direction." Since he says "either," when he says "Don't be surprised if you see a 5 to 10 percent move the other way," that sounds as if we shouldn't be surprised if we see a 5 to 10 percent move either way. I also find it interesting how the word...
by TXJuice
Fri Mar 25, 2016 9:52 pm
Forum: Investing - Theory, News & General
Topic: Best Visual Graphic to Teach Power of Compounding?
Replies: 19
Views: 3256

Re: Best Visual Graphic to Teach Power of Compounding?

Image

This is the one I feel like I've seen the most.
by TXJuice
Fri Mar 25, 2016 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 16354

Re: Financially, how have you done/doing vs. your parents?

Millennial vs Younger Boomers- Numbers and education-wise, I would call it a tie. Subjectively, they win big time. My dad came from very little with many obstacles - small town, large family, little income, loss of father at a young age; however, he worked himself through college + grad school. My m...
by TXJuice
Sat Mar 19, 2016 8:25 pm
Forum: Personal Investments
Topic: Vanguard REIT
Replies: 10
Views: 1555

Re: Vanguard REIT

Cramerica wrote:Are you sure?
Yes. Someone posted a similar question regarding VTI and VXUS and why they differed from the fund equivalent... it was because the dividend pay dates are different.
by TXJuice
Thu Mar 17, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: What to do in Austin, TX
Replies: 52
Views: 7115

Re: What to do in Austin, TX

hoopy wrote:Since you have a rental car, you should go to the Salt Lick for barbeque, just outside Austin. It's worth it. Bring an appetite.
I was about to say "Go to Salt Lick." So +1 to hoopy's recommendation.
by TXJuice
Wed Mar 16, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3777

Re: Dallas Metro Area

I was born and raised in Coppell, so right next door to Flower Mound. I'm currently living closer to downtown Dallas and I am couple of years older than y'all. In terms of safety and good schools, Coppell/Flower Mound/Southlake are all pretty similar, but they will also be more costly than most subu...
by TXJuice
Tue Mar 15, 2016 11:43 pm
Forum: Personal Investments
Topic: Three-fund portfolio assets in Roth IRA and Rollover IRA
Replies: 2
Views: 473

Re: Three-fund portfolio assets in Roth IRA and Rollover IRA

I would try to keep stock funds in the Roth IRA and the fixed income portion in the Traditional IRA.
Ideally and likely, stocks will grow more than bonds. Since you already paid taxes on your Roth contributions and the gains aren't taxed, I would want my "biggest gainers" here.
by TXJuice
Tue Mar 15, 2016 11:38 pm
Forum: Personal Investments
Topic: 28 y/o trying to take control of his financial destiny
Replies: 4
Views: 962

Re: 28 y/o trying to take control of his financial destiny

I think you're doing everything great right now. Your story is pretty much the same as mine. :beer I did pretty much the same thing - maxed out retirement accounts and everything else into loans. I'm adding to my downpayment savings now and once I get it to a decent point, I'll start adding to my ta...
by TXJuice
Mon Mar 14, 2016 11:50 pm
Forum: Personal Investments
Topic: Traditional 401k + Taxable vs Roth 401k and Taxable
Replies: 4
Views: 816

Re: Traditional 401k + Taxable vs Roth 401k and Taxable

Our income puts us in the highest federal tax bracket. More info would be nice - tax filing status, fund invested in and funds available in the various accounts, desired asset allocation, etc. Based on the quote above and speaking generally, you would be better served doing a Traditional 401k rathe...
by TXJuice
Mon Mar 14, 2016 11:26 pm
Forum: Personal Consumer Issues
Topic: LASIK surgery
Replies: 23
Views: 3514

Re: LASIK surgery

I am very pleased with the outcome, I had it done ~6 years ago.
by TXJuice
Wed Mar 09, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: Is corrective lens restriction removal from DL necessary? [Driver's License]
Replies: 29
Views: 21665

Re: Is corrective lens restriction removal from DL necessary?

Technically, you are supposed to have it updated. While most would probably accept your IOL cards, they don't say anything about what your vision is - some people still require glasses after surgery. It only takes 1 person having a bad day... You can either get it updated at the DMV or bring in the ...
by TXJuice
Sun Mar 06, 2016 7:42 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 4
Views: 855

Re: Portfolio Review

1.) Given the poor 401(k) fund choices, BSPIX is my only good option. In an effort to maintain my desired bond allocation (age - 10%), I've been purchasing I Bonds the past 2 years and plan to purchase the maximum limit again this year. While the fixed rates have been low recently, I value the adde...
by TXJuice
Sat Mar 05, 2016 6:21 pm
Forum: Personal Investments
Topic: Retirement portfolio for a 25 year old
Replies: 7
Views: 1000

Re: Retirement portfolio for a 25 year old

hard wrote:Debt: 16% of monthly paycheck pays off 2 loans (1 at 0% interest, other at 0.75%), both will be payed off in 2 years
Is the 16% what you have to pay or is that just what you are putting in? With 0% and 0.75% interest, I would be paying the minimum allowed amount...
by TXJuice
Sat Mar 05, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: Planet Money Podcast on Indexing
Replies: 14
Views: 3167

Re: Warren Buffet vs. Hedge fund bet for 1 million dollars

I don't understand what people mean by "common investor." Is an "uncommon investor" someone with a lot of money and business acumen who is ok with subpar returns and high fees? Isn't there only 1 kind of investor, at least when it comes to owning stocks/funds/ETFs - make (and keep) as much money as ...