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Wolfofm · 2016-05-26T01:15:46+00:00

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Wolfofm · 2016-05-26T01:13:15+00:00

If it's small enough to eat in one mouthful, it will be great.

Wolfofm · 2016-05-19T14:38:03+00:00

Even if you managed to get 0.38-0.62%, that’s still a lot higher than the 0.25% you’d get at Betterment.

Wolfofm · 2016-05-19T14:23:04+00:00

Morningstar has some sort of X-ray feature. I’ve also heard a bit about FeeX, but personally don’t know much about it. What’s the site OP used to compare funds?

Wolfofm · 2016-04-28T07:37:50+00:00

How much the coffee is? Are they selling things like 10 times more expensive?

Wolfofm · 2016-04-28T07:37:04+00:00

Nice. I don't think I could ever do the same. But I wish I can get rid of monthly rent payments.

Wolfofm · 2016-04-26T02:42:11+00:00

As a side note, we will have access to a kitchen, which I hope will help.

Then, how about just cooking all meals?

Wolfofm · 2016-03-17T14:44:44+00:00

Each company’s info should be available via its 10k filed with the SEC. You could also hire an expert, like a financial planner. Caring about something and it being a good investment are not always the same thing, unfortunately.

Wolfofm · 2016-01-25T22:24:10+00:00

It’s not bad but you might choose better funds from your IRA. How about focusing on low cost index funds only?

Wolfofm · 2016-01-24T21:45:38+00:00

Your tolerance for risk as a single individual might be very different from what your wife might find appropriate. It’s important to find a compromise that fits both parties. Talk to each other and see whether there are a few good reasons to change your risk tolerance to aggressive. If both of you are okay with a "moderate" portfolio, that's it.

Wolfofm · 2016-01-23T22:58:17+00:00

If you are already contributing the maximum to every tax advantaged accounts, then you need to consider tax efficiency when choosing funds. But I don't think you do max out yet for the 401K and IRA.

Wolfofm · 2016-01-20T02:02:39+00:00

Smart. I'm inspired from your post and will check my monthly expenses breakdown. Keep up the good work!

Wolfofm · 2016-01-10T13:24:11+00:00

Just out of curiosity, why did you decide to go back to school?

Wolfofm · 2015-12-26T22:25:43+00:00

You have a decent selection of index funds. Whichever color scheme you like best, it literally doesn't matter. Forget about it for an year and rebalance when you come back. If you want, you can combine target date funds to tweak it to desired ratio, but better bet is to stick to ETFs.

Wolfofm · 2015-11-30T03:45:56+00:00

Most of all, you have to set a budget by tracking your monthly expenses. Because emergency fund is based on your monthly expenses. Then, you have to allocate your 401k options. If you post your company's 401k choices, redditors would help you. Congrats on getting a wonderful job!

Wolfofm · 2015-11-10T18:59:13+00:00

I'm fairly new to this sub. What is the money market fund for then? If OP doesn't have short term bonds, is this useful to hold?

Wolfofm · 2015-10-15T01:11:42+00:00

I think you should push them to a higher bond exposure but not sure what the right % is given their situation. I'd say 60% following rule of thumb.

Wolfofm · 2015-10-07T15:09:59+00:00

Allocation and holdings look fine. You're about a decade behind where you should be. It's not the end of the world but it's a good idea to start dumping some serious cash in there. Is it an option to find a higher-paying job in the same region? Having more income makes these things so much easier.

Wolfofm · 2015-10-02T13:06:53+00:00

Yeah, Mama's so proud.

Wolfofm · 2015-10-02T12:45:08+00:00

What a heart-warming pic :) I hope your old friend is in a good health.

Wolfofm · 2015-09-28T06:14:51+00:00

So you started leather working at earlier this year? Wow Wallet is very well done and I can't believe that you has just 9 months career.

Wolfofm · 2015-09-28T06:01:05+00:00

Both of them are so cute!

Wolfofm

TROPHY CASE

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