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Re: AAPL

airahcaz wrote:Beat earnings, and up 40+ after hours. Back on the gravy train?


LOL

I hope so, a couple percent of my US holdings are in AAPL.
by zaboomafoozarg
Wed Apr 23, 2014 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 112
Views: 12678

Re: The Mega Backdoor Roth IRA

Looks like this is a go with my 401k! They only let me put 10% of my salary in there, but it'll more than double the Roth IRA contribution I can make each year.

Too bad I didn't know about this a few years ago :oops:
by zaboomafoozarg
Tue Apr 22, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 37
Views: 5182

Re: Amazon.com prices change quickly

Or maybe you enjoy NASCAR and muscle cars, but drive a basic 140 horsepower car. Your insurance company's internal statistical analyses might say that that still makes you a slightly riskier investment, despite your otherwise safe driving history. However, unlike Amazon prices, the auto insurance c...
by zaboomafoozarg
Sat Apr 19, 2014 1:22 am
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 53
Views: 4642

Re: Amazon.com prices change quickly

Use camelcamelcamel.com to track amazon prices to spot trends. I went to camelcamelcamel.com and it seems too good to be true. - Have you had experience with giving them your email address? - Any issues with spam? - If you list some desired price, would they contact you if the price drops below you...
by zaboomafoozarg
Sat Apr 19, 2014 1:18 am
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 53
Views: 4642

Re: The Mega Backdoor Roth IRA

For people who have done this with a Vanguard Roth IRA, how exactly does it work? Does you have to get your 401k provider to transfer the money directly to Vanguard, or does your 401k provider send you a check which you then have to send to Vanguard with a form indicating you want to do this type of...
by zaboomafoozarg
Thu Apr 17, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 37
Views: 5182

Re: GMO Forecasts now include Value and Growth

Interesting prediction, though a bit grim. I should set a Google Calendar reminder for 3/31/2021 to see how close these were to being true. I guess these changes would be good for my investments. For my parents and grandparents trying to live off the money, however, it wouldn't be so good. That's wh...
by zaboomafoozarg
Wed Apr 16, 2014 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 17
Views: 1118

Re: What is your net worth

IMD801 wrote:I chose 100 million plus because, as the OP states, my net worth is under this amount.


[Animated GIF removed by admin LadyGeek (distracting)]
by zaboomafoozarg
Wed Apr 16, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5418

Re: What is your net worth

ofcmetz wrote:5 voted 100 Million plus. :shock: It may be a coincidence but I was recently looking for someone new to call uncle.


I need an Auntie and Uncle in Bel Air.
by zaboomafoozarg
Wed Apr 16, 2014 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5418

Re: U.S. stocks in freefall

One of these days, this thread will get bumped and the market will drop 20%. You just have to keep the faith that owning stocks will make you cry and feel really, really stupid sooner or later...... When that happens, everyone in this thread will be considered a financial guru for calling the crash...
by zaboomafoozarg
Wed Apr 16, 2014 11:12 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122990

Re: The Mega Backdoor Roth IRA

Yes, it works. I did the full amount last year. You do not roll it to an IRA then convert to a Roth, you simply send it straight to a Roth. I did mine between my Wells Fargo 401K and Vanguard Roth. I called both and they said "yep, we do it all the time." It was painless. Did you do this ...
by zaboomafoozarg
Tue Apr 15, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 37
Views: 5182

Re: The Mega Backdoor Roth IRA

Well shoot, this got me looking at my 401k at TRP. It says that I can contribute up to 10% of my pay in "nondeductible employee contributions". Could this be a possible Roth IRA backdoor? I must request information from HR to find out.
by zaboomafoozarg
Tue Apr 15, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 37
Views: 5182

Re: Lost $10K in my investments past few months

Stoney178 wrote:well since biotech dropped so much maybe its a good time to buy more


Do what your investment plan specifies.

If you don't have a plan, do some reading and create a plan.
by zaboomafoozarg
Tue Apr 15, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4358

Re: Stock markets in free fall?

tainted-meat wrote:@sscritic - my point is that I don't think bonds are good for anyone <40 yrs old. To each their own :beer


What about someone who's shooting for financial independence at the age of 45?
by zaboomafoozarg
Sat Apr 12, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: Stock markets in free fall?

nisiprius wrote:Maybe we need one like this:

Image


Or perhaps this one:

Image
by zaboomafoozarg
Sat Apr 12, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: Stock markets in free fall?

Can't speak for others, but being 37 yrs. old I hope the market is down for the next 20 yrs. That might stink for your parents though (along with everyone else set to retire). I know if the market is down for 20 years, I'll almost certainly have to provide some monetary support. So I wouldn't mind ...
by zaboomafoozarg
Sat Apr 12, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: Stock markets in free fall?

Bonds are still a waste of time for young investors (<40yrs) who plan on retiring at 55 or later, even if the market drops another 30-40%. The market has risen well over that in the last few years and bonds would have been a major drag on returns. 30 years old, 25% bonds, /shrug Though I am looking...
by zaboomafoozarg
Sat Apr 12, 2014 12:42 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: Stock markets in free fall?

selftalk wrote:This is a great time to rebalance into gold, silver and copper.


I rebalanced some of my nickel holdings into tantalum today, as dictated by my IPS.
by zaboomafoozarg
Fri Apr 11, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: Have you upgraded your Vanguard accounts?

runner9 wrote:I called a couple of months ago when I wanted to sell $10K in an ETF and not wait three days. She said I'd be waiting a long time for an upgrade to skip the wait.


Interesting. Maybe they have some overhead associated with the conversions that is causing them to roll it out slowly.
by zaboomafoozarg
Fri Apr 11, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1683

Re: Have you upgraded your Vanguard accounts?

sscritic wrote:I tried the google search box and entered upgrade vanguard account. I got results. You will too if you are willing to try.


I saw the link somewhere else, but alas, I am not one of the lucky ones chosen yet to do an account merge.
by zaboomafoozarg
Fri Apr 11, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1683

Re: Have you upgraded your Vanguard accounts?

Interesting, I'm going to give it a try and see what happens.

EDIT: Ah, I get the message that it can't be upgraded. I found the link elsewhere, so I guess I have to wait to get the email before I can do it.
by zaboomafoozarg
Fri Apr 11, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1683

Have you upgraded your Vanguard accounts?

Vanguard is offering the ability to upgrade your accounts to the new format. https://investor.vanguard.com/info/account-upgrade Instead of a separate account for mutual funds and brokerage, the upgrade consolidates both of them into the brokerage account. This supposedly also reduces the number of s...
by zaboomafoozarg
Fri Apr 11, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1683

Re: Anyone ever buy Masters tickets in Augusta?

For anyone reading this in the future: I ended up buying a Tuesday ticket once I saw the weather was going to be decent, and it was a fantastic experience. It took me almost 10 years to be willing to pay the steep price for a practice round ticket (about $300 nowadays for a Tuesday ticket), but it w...
by zaboomafoozarg
Thu Apr 10, 2014 1:29 am
 
Forum: Personal Consumer Issues
Topic: Anyone ever buy Masters tickets in Augusta?
Replies: 17
Views: 1526

Re: How are you preparing for the coming bear market

Bear spray, don't leave home without it.
by zaboomafoozarg
Sat Apr 05, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7857

Re: I accidentally discovered a coworkers salary... now what

Dutch wrote:Do not tell her anything.

Do ask for a raise.


+1

Within the company, I would act as if I had never seen it.

Outside of the company, I'd probably test the waters and see about getting that kind of money elsewhere.
by zaboomafoozarg
Sat Apr 05, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5506

Re: Any Bogleheads here into real estate investing?(renting

I always thought direct rental real estate investing sounds too much like work, even with a management firm, so I just stick to buying REIT indices. I'd prefer to keep the working to a minimum, thank you very much!
by zaboomafoozarg
Fri Apr 04, 2014 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 53
Views: 3827

Re: Thought experiment: a "diversification" joke

This doesn't seem much different than Rick Ferri's recommendation to split your international allocation into equal parts Europe and Pacific.
by zaboomafoozarg
Thu Apr 03, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Thought experiment: a "diversification" joke
Replies: 8
Views: 1026

Re: Death of co-worker

jp3051 wrote:I am kind of surprised that you haven't been blocked or deleted. That kind of talk is blasphemy around here. I do agree with you your post 100% though.


You probably wouldn't be fond of early-retirement.org then.
by zaboomafoozarg
Wed Apr 02, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9294

Re: Death of co-worker

jackpullo997 wrote:Living on Ramen noodles for 40 years only to die a few months after retirement is a lot more common than you think.


Odd, I don't know anyone who's ever done that.
by zaboomafoozarg
Tue Apr 01, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9294

Re: Warning: Stocks Will Collapse by 50% in 2014

EmergDoc wrote:I want a hover board.


Be careful, they don't work on water (unless you've got power).
by zaboomafoozarg
Mon Mar 31, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Warning: Stocks Will Collapse by 50% in 2014
Replies: 21
Views: 2809

Re: Moving to HCOL (Net Income Paycut)? [High Cost of Living

Anyone else have input or insight from one of their experiences? Oh, I just noticed you're from a small town in Ohio - same here! (well actually a few miles from a small town) Have you been out to San Jose or a similar city for any length of time? If so and it seemed enjoyable, then it might be goo...
by zaboomafoozarg
Sun Mar 30, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to HCOL (Net Income Paycut)? [High Cost of Living]
Replies: 14
Views: 1083

Re: Poll: how did you decide on stock/bond allocation?

Age in bonds - 5. Plus I am shooting for early retirement, so I invest a little older than I really am. (I also feel older than I really am).
by zaboomafoozarg
Sun Mar 30, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: how did you decide on stock/bond allocation?
Replies: 35
Views: 1862

Re: Moving to HCOL (Net Income Paycut)? [High Cost of Living

I would never move to a HCOL area, because I can make 70% of the salary in the midwest but pay 10-20% for housing and 50-70% for everything else.
by zaboomafoozarg
Sun Mar 30, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to HCOL (Net Income Paycut)? [High Cost of Living]
Replies: 14
Views: 1083

Re: Anyone ever buy Masters tickets in Augusta?

Eh, it's looking like it might be rainy next week. :( I think it's too risky to buy tickets now... if I do decide to go, I'll just have to see if I can pick them up in Augusta.
by zaboomafoozarg
Sat Mar 29, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Anyone ever buy Masters tickets in Augusta?
Replies: 17
Views: 1526

Re: Wealthfront.com? What is your take???

TX_TURTLE wrote:How is this different from a wash sale?


Because the security is not substantially identical.
by zaboomafoozarg
Thu Mar 27, 2014 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront.com? What is your take???
Replies: 12
Views: 1257

Re: Wealthfront.com? What is your take???

What I think about wealthfront http://lookingforawesomeness.tumblr.com/post/80885585933/wealthfront-review Whats makes them different from betterment , Vanguard ….. In three words !!!! TAX LOSS HARVESTING Why would I need someone to tax loss harvest for me? It's easy enough just to do it myself (al...
by zaboomafoozarg
Thu Mar 27, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront.com? What is your take???
Replies: 12
Views: 1257

Re: Perils of Market Timing

Leeraar wrote:Reminds me of the old joke.

Everyone should buy this fund. I mean, what are the chances of owning two funds that are this bad?

L.


Hey, it IS due for a return to the mean! :D
by zaboomafoozarg
Wed Mar 26, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Perils of Market Timing
Replies: 12
Views: 1456

Re: Post your IPS [Investment Policy Statement]

Goal: saving for financial independence at 50 with income of $40000 in real dollars, and maintaining $50000 cash or safe investment for emergency fund & possible house down payment Total AA: 105 - age in stocks with a maximum of 75%. Rest in bonds. Stock AA: 2/3 Domestic, 1/3 International. 70%...
by zaboomafoozarg
Wed Mar 26, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Post your IPS [Investment Policy Statement]
Replies: 14
Views: 1878

Re: Savers remorse ?

MrManlyMister wrote:I got 99 problems, but saving ain't one. :happy


I feel bad for you, son.
by zaboomafoozarg
Sun Mar 23, 2014 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11185

Re: An improvement on the Fama French model

nedsaid wrote:But these premiums in my opinion have their foundations in human nature. Wall Street analysts do not focus on the smaller and less popular companies. They spend their time on the Apples, Pfizer's, and GE's of the world.


Don't forget the TSLA!
by zaboomafoozarg
Sat Mar 22, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: An improvement on the Fama French model
Replies: 47
Views: 2995

Re: An improvement on the Fama French model

I hold the DFA targeted value fund (DFFVX), an actively managed mid/small cap value fund, in my 401k. I suspected that DFA might have started using other factors besides value, and sure enough they have according to M* : In order to further enhance performance, DFA recently started to incorporate pr...
by zaboomafoozarg
Sat Mar 22, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: An improvement on the Fama French model
Replies: 47
Views: 2995

Re: How did you decide how much to save?

Yeah, in hindsight that was a pretty insane statement. Hanging around on this board really does skew your perspective of what "normal" saving is... Sometimes if I read too much here, I feel like a failure for only being in the 25% tax bracket and saving $30k per year :( So then I go read ...
by zaboomafoozarg
Sat Mar 22, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: How did you decide how much to save?

I try to save till it hurts a little. I let myself do a few special fun things per year, but other than that I'm saving as much as I can and mostly just spending for necessities. Luckily the things I like to do often are pretty cheap. After tax, I save about 50% in a normal year, more in a bonus year.
by zaboomafoozarg
Thu Mar 13, 2014 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: I don't want to upgrade XP just yet, is that ok?

Confused wrote:@nisiprius,

That chart is weird. Why does it break Windows 8 and Windows 8.1 into separate charts, but doesn't break Windows XP into its three different service packs? Very strange.


Maybe because Windows XP is ancient history? :)
by zaboomafoozarg
Thu Mar 13, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6362

Re: Cannot invest with only $5500 in ROTH?

jxs705 wrote:I don't want to open a vanguard brokerage account, so ETF is not an option.


Why not? It's super simple.

I agree that a single mutual fund would probably work just fine though.
by zaboomafoozarg
Wed Mar 12, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cannot invest with only $5500 in ROTH?
Replies: 9
Views: 779

Re: Are 20 somethings handicapped bc of inflation and little

I think many people forget the standard of living has changed enormously. That "living wage" bought one car, one (maybe) TV set with no cable, no cell phones, no computers, eating out rarely, 1 annual family vacation that consisted of a road trip/camping. While there is nothing wrong with...
by zaboomafoozarg
Wed Mar 12, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10284

Re: No, They're Not!

I'm getting really sick of sitting in programming classes for hours and then going home and programming for hours. Can't take it for that long. You'd better get used to it, you'll have to do it at least 8 hours a day some days :) My record is 30 hours straight, due to a stupid employer that insiste...
by zaboomafoozarg
Wed Mar 12, 2014 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10284

Re: No, They're Not!

$1,000,000 is not an attainable number. $1,000,000 is not attainable? Why not? (Or was this a joke?) No, this is Confused. Half the posts will be a lament about making almost no money, and the other half will be a commentary on the ridiculousness of people saving or spending a lot of money. (and al...
by zaboomafoozarg
Wed Mar 12, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10284

Re: What If Long-Term Thinking Really Catches On?

ERMD wrote:i also withdraw my indignation last week when i posted this exact same question and was rebuffed that it comes up all the time.


Just think, you're now qualified to perform said rebuffing :)
by zaboomafoozarg
Wed Mar 12, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: What If Long-Term Thinking Really Catches On?
Replies: 21
Views: 2023

Re: Do you have a side job?

Every once in a while I'm eligible for paid OT at my work (at 1.5x my hourly rate). Considering I generally enjoy my work, this is pretty easy for me to get some additional money. I would love to be eligible for OT - I worked all afternoon Sunday for free :( Though I guess (hope?) that such work fa...
by zaboomafoozarg
Tue Mar 11, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 58
Views: 4786

Re: Are 20 something's [handicapped] bc of inflation and [li

HomerJ wrote:Have to get promotions or switch companies... All my big raises came from switching companies every 5 years or so.


Very true - after 6 years I think I am pretty close to hitting the limit at my current company. It's hard because they have a pension though, so that has to be factored in.
by zaboomafoozarg
Tue Mar 11, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10284
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