Search found 356 matches

by Chrono Triggered
Wed Apr 07, 2021 1:45 pm
Forum: Personal Consumer Issues
Topic: The best $10,000 to $15,000 vehicle.
Replies: 42
Views: 3307

Re: The best $10,000 to $15,000 vehicle.

VW GTI if you want something that's fun to drive.
by Chrono Triggered
Wed Mar 31, 2021 9:35 am
Forum: Personal Investments
Topic: Optimizing inherited IRA withdrawls
Replies: 11
Views: 1018

Re: Optimizing inherited IRA withdrawls

You have been given a wonderful gift of this inherited IRA. Leave it alone! If invested properly, it will grow nicely over the next 30 years and you will have a nice nest egg on which to retire. Psychologically, people who have a windfall feel compelled to spend it. Resist that temptation. If nothi...
by Chrono Triggered
Tue Mar 30, 2021 4:18 pm
Forum: Personal Investments
Topic: Optimizing inherited IRA withdrawls
Replies: 11
Views: 1018

Optimizing inherited IRA withdrawls

I have an inherited traditional IRA (inherited before the 10 year rule) worth about 90K and am 34 years old, so my MRDs are about 2% of the total balance, which I know will increase more and more the older I become. Currently, I am making roughly 70K pre-tax and maxing out my Roth IRA, HSA and TSP (...
by Chrono Triggered
Fri Mar 12, 2021 4:11 pm
Forum: Personal Consumer Issues
Topic: 3 days in Asheville NC -- end of march weekend
Replies: 39
Views: 3130

Re: 3 days in Asheville NC -- end of march weekend

moderate hiking <4 hours Define "moderate". Hikes in the nearby area that are great: Looking Glass Rock (get there early), Catawba Falls, Black Balsam Knob, Mt. Pisgah. Mt. Mitchell is a great option too and you can either drive up and hike the rest (20mins, if that) or you can earn the v...
by Chrono Triggered
Sat Feb 20, 2021 3:59 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4428
Views: 341259

Re: Small Cap Value heads Rejoice !!!

Is anyone aware of some good research into why AVUV is better than a fund like IJS/SLYV? I remember reading that AVUV might have a deeper tilt, but with a 0.10% higher expense ratio, it might be a wash in the end. Although lately, it seems AVUV has had the advantage: https://etfdb.com/tool/etf-compa...
by Chrono Triggered
Thu Feb 18, 2021 11:42 am
Forum: Personal Investments
Topic: Extra cash - what to do
Replies: 8
Views: 1186

Re: Extra cash - what to do

Invest the $200K all at once into your desired AA. If you're hesitant, then your AA is most likely too aggressive.
by Chrono Triggered
Thu Feb 18, 2021 11:36 am
Forum: Personal Investments
Topic: Rethinking bond allocation, would appreciate feedback
Replies: 49
Views: 2607

Re: Rethinking bond allocation, would appreciate feedback

I am in my 30's too and a fed as well, and I have 0% in bonds. If you do insist of having some bonds, get them in your TSP and not your Roth IRA.
by Chrono Triggered
Wed Feb 10, 2021 6:26 pm
Forum: Investing - Theory, News & General
Topic: If you are investing in a traditional 401(k) or traditional IRA, do you have a good reason for doing this?
Replies: 156
Views: 9331

Re: If you are investing in a traditional 401(k) or traditional IRA, do you have a good reason for doing this?

I have an inherited traditional IRA and would like to take as much out per year as I can without a large tax hit. If I don't, over the years, the RMD might become more of a tax bomb for me.
by Chrono Triggered
Tue Feb 02, 2021 11:27 am
Forum: Investing - Theory, News & General
Topic: 401K Contributions. Why a percentage?
Replies: 29
Views: 1934

Re: 401K Contributions. Why a percentage?

I'm a federal employee and thankfully we are allowed to set a fixed dollar amount.
by Chrono Triggered
Sat Jan 23, 2021 6:17 pm
Forum: Personal Investments
Topic: All stock too aggressive?
Replies: 24
Views: 2287

Re: All stock too aggressive?

setitandforgetit wrote: Sat Jan 23, 2021 1:38 pm I don’t expect to draw on retirement or taxable for ~20 years
Mathematically speaking, being 100% in equities makes the most sense. If you do elect to have 10% or so in bonds, I would recommend a long-term bond fund like EDV.
by Chrono Triggered
Thu Jan 14, 2021 10:40 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4428
Views: 341259

Re: Small Cap Value heads Rejoice !!!

Keep on keeping on!
by Chrono Triggered
Mon Jan 11, 2021 2:50 pm
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 223
Views: 15768

Re: 2021 Hedge Fund Contest

Thanks for once again doing this!

Fund name: Chrono Triggered

Long:
JNJ
NVDA
VEEV

Short:
TSLA
ZM
by Chrono Triggered
Wed Jan 06, 2021 9:56 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4428
Views: 341259

Re: Small Cap Value heads Rejoice !!!

Another great day so far.
by Chrono Triggered
Mon Jan 04, 2021 10:25 am
Forum: Investing - Theory, News & General
Topic: ex-US Stocks Continue to Soar!
Replies: 151
Views: 14569

Re: ex-US Stocks Continue to Soar!

Nice to see some gains outside the US. Makes my 50% allocation to it look genius for a change.
by Chrono Triggered
Fri Dec 18, 2020 7:22 pm
Forum: Investing - Theory, News & General
Topic: Best international equity with tilts
Replies: 16
Views: 1202

Re: Best international equity with tilts

My INTL portfolio is half INTL large cap like VXUS, and half small cap blend with VSS. Easy to keep track of and has enough of a tilt for me. An alternative measure would be to use the numbers that determine the factor weights; to estimate your value exposure, look at the P/E and P/B ratios of a fun...
by Chrono Triggered
Fri Dec 18, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: What is the Worst Financial Decision/Mistake You Have Made?
Replies: 230
Views: 18488

Re: What is the Worst Financial Decision/Mistake You Have Made?

I heard about a Roth IRA in my teens but thought there was an age restriction so when I was in my early 20's, I didn't think I could contribute to it. Luckily I started in my late 20's so it wasn't a huge deal, but still.
by Chrono Triggered
Wed Dec 16, 2020 4:23 pm
Forum: Investing - Theory, News & General
Topic: Why not VSS instead of VXUS?
Replies: 26
Views: 3044

Re: Why not VSS instead of VXUS?

I have 50% of each. I've been looking at AVDV instead of VSS (or instead of VXUS) but I haven't decided anything.
by Chrono Triggered
Wed Dec 16, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: [Maxing out your IRA and other things to do on January 1st]
Replies: 172
Views: 14374

Re: So, who's maxing out their IRA on Jan 1st?

This plan didn't exactly work out the greatest this year but money that can be invested is certainly better than money that is sitting.
by Chrono Triggered
Sun Dec 13, 2020 6:03 pm
Forum: Personal Investments
Topic: Safe level of margin/leverage?
Replies: 15
Views: 1378

Re: Safe level of margin/leverage?

Welcome to the forum.

This thread might be beneficial if you haven't seen it:
viewtopic.php?t=274390
by Chrono Triggered
Sat Dec 12, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: Best < $100 purchase?
Replies: 136
Views: 16590

Re: Best < $100 purchase?

Hydration bladder for my outdoor outings.
by Chrono Triggered
Wed Dec 09, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best Reward Credit Card [Cash back]
Replies: 7
Views: 881

Re: Best Reward Credit Card [Cash back]

If you have an account at Fidelity, their 2% reward card is an excellent option.

My rotation is either that card, the Discover card you mentioned, or the Chase Freedom (similar to the Discover). I have an Amex Blue too and usually use that card for the offers they have; some are quite good.
by Chrono Triggered
Tue Dec 08, 2020 2:09 pm
Forum: Personal Investments
Topic: Where to park money (VMRXX?)
Replies: 8
Views: 1222

Re: Where to park money (VMRXX?)

What's your AA? If you're hesitant to lump sum it, perhaps your AA is too aggressive.
by Chrono Triggered
Sun Dec 06, 2020 9:58 am
Forum: Personal Investments
Topic: Social security income and tax brackets
Replies: 14
Views: 2325

Re: Social security income and tax brackets

I don't understand the underlined portion of the quote, Chrono. What other taxes are there besides "federal taxes"? Sorry, I meant just taxes on other income and not SS income as well. Thanks for that catch and thanks for the great reply. The spreadsheet you linked to was very helpful. I ...
by Chrono Triggered
Fri Dec 04, 2020 12:21 pm
Forum: Personal Investments
Topic: Social security income and tax brackets
Replies: 14
Views: 2325

Social security income and tax brackets

I assist with my mother with her finances and I'm trying to get a grasp on something. Please let me know if my thought process is wrong. She is retired, files single, and will receive $19,236 in SS income for this year. She has an inherited IRA, and has withdrawn $8,682 so far. Add in taxable divide...
by Chrono Triggered
Tue Nov 24, 2020 1:58 pm
Forum: Personal Investments
Topic: How did you determine your asset allocation?
Replies: 38
Views: 2222

Re: How did you determine your asset allocation?

I'm in my early 30's, and think equities purchased now while be worth more than bonds when I plan on withdrawing, so I am 100% stocks. I would consider adding bonds when I have a realization that my portfolio being halved would cause me distress; this has not happened yet. I have considered going 10...
by Chrono Triggered
Sat Nov 21, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Bill
Replies: 83
Views: 6150

Re: Unexpected Medical Bill

I would call up the billing department, explain your end of it in a calm manner, and ask for the bill to be reduced or dropped entirely. Medical bills can often be haggled.
by Chrono Triggered
Fri Nov 20, 2020 5:22 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 595
Views: 55522

Re: What is your age and asset allocation ?

33, 100% stocks. 50% USA, 50% INTL. I tilt to small in each category so my overall portfolio is: 25% US Large Cap 25% US Small Cap Value (IJS, VIOV, SLYV) 25% INTL Large Cap (IXUS, VXUS) 25% INTL Small Cap (VSS) Make it easy to rebalance. I don't have any bonds because I believe equities purchased n...
by Chrono Triggered
Fri Nov 20, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Non-Alcoholic Beer/Wine/Mock Cocktails
Replies: 37
Views: 2535

Re: Non-Alcoholic Beer/Wine/Mock Cocktails

I've heard good things about beer from Athletic Brewing. Can't personally speak on it but I would look into it.
by Chrono Triggered
Wed Nov 18, 2020 6:50 pm
Forum: Personal Investments
Topic: How am I doing?
Replies: 10
Views: 1113

Re: How am I doing?

Why so little international equities? Looks like it's 2% of your stock portfolio; I would either eliminate it entirely and stick with us stocks, but if you're trying to diversify with international equities, increase the percentage so it will have an impact.
by Chrono Triggered
Fri Nov 13, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Health/Exercise Fitness Monitors?
Replies: 16
Views: 1082

Re: Health/Exercise Fitness Monitors?

I have a Garmin Fenix and I absolutely love it. You can plot many activities and the details about elevation, heart beat, etc, that it tracks is pretty impressive. You can also download the Garmin Connect app and really go into depth about your activities sand general stats, like resting heart rate ...
by Chrono Triggered
Tue Nov 10, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Looking for a knife set
Replies: 99
Views: 6970

Re: Looking for a knife set

Spend some time on kitchen knife forums. You'll find a wealth of information: https://www.kitchenknifeforums.com/ https://www.bladeforums.com/ As mentioned earlier, you don't need a set. Start off with a great Chef's knife. Get something with a quality steel. The Tojiro DP is excellent if you're loo...
by Chrono Triggered
Sat Oct 31, 2020 4:37 pm
Forum: Personal Investments
Topic: 1.3M at 30 - what would you do?
Replies: 89
Views: 9896

Re: 1.3M at 30 - what would you do?

Spend money on items you use constantly. Like to cook? Get some great knives and other utensils. Like to hike? Splurge on great gear. How comfortable is your bed? If it could be better, splurge on that. Same thing for hobbies. Can you get better items to make your hobbies more enjoyable? If so, do t...
by Chrono Triggered
Fri Oct 30, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8503

Re: Heat - What do you set your temps to in Winter?

I don't use the heater. I like living in an igloo. I currently live in NC but used to live in MN.
by Chrono Triggered
Fri Oct 30, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Using PayPal vs credit card for purchase
Replies: 12
Views: 1092

Re: Using PayPal vs credit card for purchase

I have the same card and use PayPal whenever I can for the 5% cash back. Similarly, on Amazon with my Discover card.
by Chrono Triggered
Fri Oct 30, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: How to find the cheapest motel along an interstate?
Replies: 60
Views: 3425

Re: How to find the cheapest motel along an interstate?

I like Hotwire. You can sort by star ratings too.
by Chrono Triggered
Tue Oct 27, 2020 9:01 pm
Forum: Personal Investments
Topic: Inheritance investing
Replies: 10
Views: 827

Re: Inheritance investing

My husband and I are 30, no kids. This money is meant for early retirement, probably sometime in our mid-late 40s. Any other information you need? Ask yourself this question; do you think the price of equities will higher or lower in 15+ years compared to what they are priced at now? If you think t...
by Chrono Triggered
Sat Oct 24, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Protein consumption strength training
Replies: 80
Views: 4806

Re: Protein consumption strength training

I usually get an 11lb bag of whey protein from MyProtein when it's on sale for around $50, an excellent value. Comes in a dog food sized bag too, what's not to like? A recent deal: https://slickdeals.net/f/14364875-myprotein-1-x-11lb-impact-protein-blend-49-fs Good ratings on labdoor too: https://la...
by Chrono Triggered
Fri Oct 23, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 188
Views: 16702

Re: Where do you buy coffee beans?

Counter Culture. Excellent quality and I live somewhat close to it so the shipping time is minimal. https://counterculturecoffee.com/ I would say if you have a great roaster in your area, get beans from them. If you don't, then find a great roaster that ideally isn't clear across the country to redu...
by Chrono Triggered
Tue Oct 13, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: Which asset class will be the best in the 2020s?
Replies: 48
Views: 3225

Re: Which asset class will be the best in the 2020s?

Small cap value would be swell, since I tilt. But it's all good regardless.
by Chrono Triggered
Thu Oct 08, 2020 6:40 pm
Forum: Personal Investments
Topic: About right time to start investing in VT???
Replies: 17
Views: 2240

Re: About right time to start investing in VT???

It's always a good time to invest in a globally weighted stock market index fund.
by Chrono Triggered
Tue Oct 06, 2020 7:28 pm
Forum: Investing - Theory, News & General
Topic: What fund(s) are in your taxable account?
Replies: 138
Views: 11691

Re: What fund(s) are in your taxable account?

My taxable account contains my most tax-efficient holdings: Total Stock Market Index (VTSAX) Developed Markets ETF (VEA) Emerging Markets Index (VEMAX) FTSE All-World Ex-US Small-Cap ETF (VSS) iShares EAFE Value Factor ETF (IVLU) My Roth IRA and HSA hold the less tax-efficient US value and REIT sto...
by Chrono Triggered
Tue Oct 06, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: What fund(s) are in your taxable account?
Replies: 138
Views: 11691

Re: What fund(s) are in your taxable account?

What fund or funds are in your taxable account? Why did you choose that fund? VOO - Vanguard S&P500 ETF IJS - S&P600 (Small Cap Value) ETF VXUS - Vanguard Total International ETF Why? I have an extensive SCV tilt so I had to purchase some of it in taxable, which actually happens to be prett...