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So just rummaging through those linked forums, it looks like it just means they can cancel your policy at any time, and for any reason. TBH, as a USAA member myself, I didn't know that they couldn't already do that. Seems fair to me; if either party doesn't agree with the policy, they ought...

I would say that article (from the OP) had it right; one's car is one of the most common ways people tend to draw conclusions about you (the other being your hourse/where you live). Just because you don't see people vocalizing what they're thinking about the car you drive, doesn't mean they're...

Truth be told, the latest is Ferri is looking to go even higher than 30% now. His latest position can be found here: My Expected Investment Changes in 2015 I guess, more to your point, right? Per my comments already made, I agree with him.

That actually tends to null out. The same is essentially true in the reverse. Just a quick example, more Hondas and Toyotas are built here in the US than in Japan. I think Global GDP has to be the starting point. If one is going to overweight a country, including their own, there should be...

Ive seen those graphs before (such as the one above) where the average investor is supposedly far worse than almost any defined porfolio allocation/asset classes/etc. But how is that possible, if for every buyer there is a seller? Just take one stock for instance. If I'm a horrible timer...

Have you ever tried Morningstar's x-ray via T. Rowe price (they (TRowe) let you use it for free)? I find it's portfolio analysis to be a bit more detailed than Vanguard's tool, and worth the time loading it into X-ray.

I try to avoid "home-country bias" so for me, the starting point for US vs. international equities is each country's respective global GDP weighting. Roughly speaking, US is 50% of world GDP, give or take a few percent. Then I think the variable to look at is various valuation metrics, which...

If your asking is the equity risk premium is still there, then yes. If I assume you're investing in smart cash equivalents (high paying savings accounts, CDs, or IBonds), then you're going to roughly keep pace with current inflation, if not slightly lag it, at worse. Even at current prices, US...

What should be clarified about VGPMX, as well as what B. Bernstein actually advocates, is that precious metal equities shouldn't be confused with owning physical metals, or other commodities. Rephrased, VGPMX actually owns companies/is 100% stocks (not counting the few percent of cash it keeps...

I see no issue using a mutual fund (personally i prefer those over ETFs), but what I strongly consider is that you start out of the gate with a more traditional asset allocation appropriate for your age, so a great "one-fund" solution would be Vanguard LifeStrategy Growth Focus (VASGX). You...

I'd get your Emergency Fund up to at least 10K or thereabouts (3 months living expenses minimum), and your target goal for your house fund is 20% of the total value to avoid having to pay PMI on a home loan. If you're looking at 3 years or more before you'll have 20%, I'd use at least a...

The thing I'm trying to decide as I approach this, is should I celebrate being an augmented millionaire (Net worth millionaire) or wait until I have one million in investable assets. I'm leaning towards just celebrating both and predict the two will only be ~ 2-3 years apart!

I didn't watch the video, but is it even that much? My understanding is the starting estimate for a bond's return is its yield, and tbills are in the 0.30-0.35% range at the moment, or thereabouts. For real, you take that rate and subtract estimated inflation rate, and that'll put you at...

Hope you don't mind if i bite, but what did you answer? At least admit it's more than a fair question, especially if you're selling it. Or perhaps it's not so much a question, as a rhetorical way of saying that working isn't such a bad thing if you enjoy what you do. Said another way, if I...

I dropped my intermediate (and longer) term bonds last week, and exchanged them for very short term treasuries. I decided to just keep my risk in my stock holdings, and not get too greedy chasing yield when the party stands a good chance of ending soon. I banked some nice gains on my TIPS and...

This reasoning tells me you save in a much different way than I do. A "pay cut", by my savings method, would primarily affect my standard of living, not my retirement date. I save a set percentage of my income. I consider that percentage non-negotiable. So if I get a "pay cut", the amount...

I cut the cord too. I use Netflix for blu-ray rentals and streaming, and ESPN 3 to watch most sporting events I want to see. I personally don't get all the Netflix hoop-la. I was always fascinated how much they offered for so little price, and just assumed they were taking a loss to build...

Given the amount of international investing that was being done in that era by the typical American investor, did that fact really matter? I would think most thought of their wealth, or lack thereof, relative to their neighbors, or at worst, other Americans. But today, yeah sure, it makes...

Aaron, I just skimmed the thread, but didn't see it clarified. By IRA, are we to presume you mean Traditional IRA? If you have a Roth, your contributions can be withdrawn both tax and penalty free at any age. This "benefit" of the Roth, if you want to call it that, is because the government...

I'm at about 30% in cash equivalents. I don't know of any other way to be in a position to buy stocks if they all of a sudden become cheap other than to not be in them in the first place. I have bonds too, of course. I'm running at about 30-35% total stock (foreign + domestic). Nothing...

I wouldn't get in too big of a hurry to be impressed. Going on memory, it is my understanding that the card is offered to those who are meeting minimum (and very excessive) expenditures per year on their existing cards. In all fairness, I realize that some pay their balances off every month...

We might have different views on purchases, but speaking for myself, I would never buy more house than I needed. I would be abiding by logic, then, if I were to say I would buy (or bought) a bigger house if my life plans included kids vs. no kids. The same goes for cars. Would you buy, say, a...

The more operative question in a case like this would be would she have reason to want to file such as to get back any federal or state income tax withheld. Provided that doesn't apply to her, I don't believe she "has to" file a return given those conditions.

You are right not to (want to) buy a house as long as you are young and anticipate moving multiple times. I did not buy a house until I was pretty certain I was not going to be moving for at least 5 years. But certainly don't think of going into debt for a house someday - in particular a...

My retirement portfolio is approximately 20% TIPS. It's been the shining star of my portfolio for the past 2 years or so. I am a long-term "mild" market timer, meaning once a quarter I do examine my percentages to various asset groups and sometimes make mild 5-10% adjustments. I've been...