Search found 74 matches

by JamalJones
Sat Sep 02, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is Always Risky
Replies: 42
Views: 3402

Re: The Stock Market Is Always Risky

There is no "risk free" place to invest money in my opinion. Bonds and CDs may have less volatility than stocks but they risk lagging inflation especially in periods of *unexpected* inflation. Alternatives come with alternative risks :oops: Let's face it: retirement is risky for us folks with a nes...
by JamalJones
Fri Sep 01, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Differences between UK and US retirement planning
Replies: 24
Views: 2563

Re: Differences between UK and US retirement planning

OT but UK and Australians seem to travel a lot; I could be standing on the South Pole and another guy just walks up and greets me with "Hello mate, a bit cold init" :) HAHA! It's true! I was with a coworker at this ice cream shop Seoul, South Korea in late Spring of 2002. A guy walked up to us - an...
by JamalJones
Sat Aug 12, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation Strategy for the AGRESSIVE Investor
Replies: 36
Views: 2389

Re: TSP ALLOCATION STRATEGY FOR THE AGRESSIVE INVESTOR

Having had all your TSP investments in the G fund, you've likely not experienced any market volatility. I would expect that if you go 100% equities, you could panic sell if the market drops a significant amount in the near-term. I, and many others, suggest at least 20% fixed income. It will help wit...
by JamalJones
Thu Apr 20, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41663

Re: Larry Swedroe says "Goodby."

Sad to see Larry go. His posts on valuations really got me thinking about how I invest and what percentage I allocated to domestic equity, international equity, bonds, etc. I had never considered any of that before. Also, he wrote some very valuable articles on ETF.com. I read them all! Thank you La...
by JamalJones
Mon Feb 20, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 8337

Re: 20% bonds: why bother at 48?

I'm 48 and spouse is 52. I know that bonds reduce overall volatility. However, if I'm not concerned about a bumpy road during the next 10 years or so, why bother having any? If here's a global meltdown, 20% won't be enough to be meaningful. I am on board that within 5 years of retirement, I need to...
by JamalJones
Fri Feb 17, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 5268

Re: Really Vanguard? 48 Cents?!

This past January I contributed $5,500 to my money market account and from there invested in a few different mutual funds and ETFs. In the process I received a $0.03 dividend while some of that money waited in the money market fund. I thought I would make an attempt to invest that $0.03 into my Tot...
by JamalJones
Thu Feb 16, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 5268

Really Vanguard? 48 Cents?!

I set up my automatic Roth contribution at Vanguard to "Maximize your annual IRA contribution" ($5,500) each year. My investment occurs every week. So I logged on the other day and it shows on the landing page that I can contribute 48 cents for tax year 2016. Really? Well I can't actually ...
by JamalJones
Mon Feb 06, 2017 11:23 pm
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 72
Views: 8611

Re: TSP Expense Ratio jumps to 0.038%

The TSP expense ratio has bumped around a lot over the years. I know I saw the range of ERs in graph form on the TSP website at some point. I can't find it now.

They change nearly every year from what I recall.

Does anyone have the link to the past ERs?
by JamalJones
Mon Feb 06, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 73
Views: 8040

Re: Does anybody else out there still pay for an email address?

Novine wrote:Companies that focus primarily on e-mail likely do a better job on securing their mail systems.


This is true.
by JamalJones
Sat Feb 04, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 73
Views: 8040

Re: Does anybody else out there still pay for an email address?

Let say you really like history so you could use the domain "historybuff". And then you're signing up for a drawing at a wine event to win a case of wine. So your email alias could be "winelover@historybuff.33mail.com". Would you have to set up the alias before the wine event? O...
by JamalJones
Sat Feb 04, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 73
Views: 8040

Re: Does anybody else out there still pay for an email address?

There are some good reasons to pay for your email service. The primary one is privacy. Email services offered by gmail, yahoo, hotmail, etc. are vulnerable and have been hacked. One secure option is startmail Only about $4.99 per month and much more secure than any free provider. Another option for ...
by JamalJones
Sun Jan 15, 2017 12:59 am
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 4133

Re: Teeth whitening

White is not the natural color of the teeth. The dental science does not know enough yet. Keep this ^^^ in mind. A few people seem to think they need really BRIGHT WHITE teeth such that it not only looks unnatural, but it really pops right out and almost knocks you out. I suspect a lot of TV/movie ...
by JamalJones
Fri Nov 11, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund
Replies: 18
Views: 2781

Re: TSP G Fund

Another advantage of the G Fund is that it can make your bond decisions much easier. For example, there are many threads on "What kind of bonds should I have", etc....Like, Should I add a separate corporate bond fund to my Total Bond Fund because Jack Bogle thinks they're aren't enough cor...
by JamalJones
Sat Nov 05, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 14982

Re: Which state to move for milder weather

LiveSimple wrote:
JamalJones wrote:Also has a fair amount of tech companies: http://www.sdtechcareers.org/ (but no Silicon Valley, of course).


Appreciate JamalJones for sharing your thoughts and the links.


:sharebeer
by JamalJones
Sat Nov 05, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 14982

Re: Which state to move for milder weather

I would say move to the central coast of California: Somewhere between and including Monterey down to Santa Barbara. And get a place near the coast (obviously). Also, San Diego isn't a bad choice either. Please can you help expand more. Your input seems to be more practical or meets our criteria. W...
by JamalJones
Sat Nov 05, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 14982

Re: Which state to move for milder weather

I would say move to the central coast of California: Somewhere between and including Monterey down to Santa Barbara. And get a place near the coast (obviously). Also, San Diego isn't a bad choice either.

:beer
by JamalJones
Thu Nov 03, 2016 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire in your 30s?
Replies: 93
Views: 13038

Re: Did you retire in your 30s?

Imperabo wrote:
Videogames wrote:
It's not like I sit in a dark room watching tv eating pizza all day getting fat :)



But surely you must play video games.


:D :D :D :D
by JamalJones
Tue Oct 04, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 8343

Re: Vitamix Worth It?

I would recommend it as well! I bought mine in 2009 and while, like many people, I go through phases, when I'm using it, it makes eating healthier much easier. One thing that I haven't seen posted yet is that with the Vitamix (although, this technique isn't necessarily exclusive to this brand), it b...
by JamalJones
Fri Sep 02, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 14660

Re: Which city to start early retirement?

Working within the parameters of your list I would consider replacing LV with Tucson. And instead of Boise which is a fine choice, I would consider Colorado Springs, Grand Junction or Fort Collins. Personally I wouldn't consider Columbus at all but I understand that it is your home state. Best of l...
by JamalJones
Thu Aug 25, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: "How Should Younger Investors Think About Social Security?"
Replies: 34
Views: 4629

Re: Morningstar: "How Should Younger Investors Think About Social Security?"

Why do they reduce Social Security by 33% when their own worst case scenario is benefits get cut by 21%? That seems like an unnecessary personal judgment not supported by the facts. It seems like the most useful scenario is to assume that Social Security will exist in its current exact form when yo...
by JamalJones
Mon Aug 22, 2016 12:04 am
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 5097

Re: Recommend Ad Blockers

I use:
AdBlocker Ultimate
NoScript
Disconnect
uMatrix

Additionally, I have:
Better Privacy
HTTPS Everywhere
Decentaleyes
Blur
Hoxx VPN Proxy

All add-ons for Firefox.
by JamalJones
Sun Aug 21, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 4345

Re: How much do you spend on coffee/tea?

It could get close to $200 a pop: I'll go to Costco and buy 4-5 boxes of K-cups (I love the San Francisco Bay ones). Of course this lasts me quite awhile. So on a per week, per day basis I guess it's not so bad.
by JamalJones
Sun Aug 21, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 9791

Re: What is your system for dealing with coins?

I just save the coins. When I have a significant amount, I take them to my credit union. They have a coin counter and I can deposit the coin total to my account. +1 Yep, this is the way to do it. Those coins add up. I always save my nickels, dimes and pennies and then "cash" them in at th...
by JamalJones
Sun Aug 21, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 13257

Re: Favorite Restaurant Stop on Road Trips

I like Cracker Barrel too. Haven't been to one in years though. Love their down home southern cookin'! They always seem to be on the outskirts of cities in the South and Midwest....Are there actually any in California??? (never seen or heard of one...) None in California - m But if you come to Las ...
by JamalJones
Sat Aug 20, 2016 9:28 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 13257

Re: Favorite Restaurant Stop on Road Trips

I like Cracker Barrel too. Haven't been to one in years though. Love their down home southern cookin'! They always seem to be on the outskirts of cities in the South and Midwest....Are there actually any in California??? (never seen or heard of one...)
by JamalJones
Mon Aug 15, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 11705

Re: Are you on Facebook?

1). I think FB does some really shady stuff. Like for example, I went out on a date with this girl a couple times (hopefully more in the future!) and the day after our second date she appeared in my "People you may know" list. How? We had no mutual friends. I never searched for her on FB,...
by JamalJones
Mon Aug 15, 2016 9:57 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 11705

Re: Are you on Facebook?

And then of course there's the picture of you that are "willingly" shared. Sometimes I think about it: I feel like 75% of my pictures are me holding up a can/bottle/glass of beer with a goofy grin on my face. Ugh. Could a future employer somehow view these and conclude this guy is an alco...
by JamalJones
Mon Aug 15, 2016 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 49058

Re: Self-made Millionaires: how did hitting 7 figures change you?

For us, there were a few milestones: 1. When we were assured of a comfortable retirement (NW > $2.5M, moderate pensions, and SS). 2. When we knew we could provide graduate educations for the kids without debt or affecting retirement (somewhere around NW of $4M; should have realized it sooner, but I...
by JamalJones
Sun Aug 14, 2016 11:11 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 11705

Re: Are you on Facebook?

Yes, I certainly am! I think if you don't get carried away, it's a great way to keep up with people, organize events and share pictures. I remember that bit of time from after I graduated college to, say, about 2007 (when the first iPhone came out) where we all had digital cameras, but neither smart...
by JamalJones
Thu Aug 11, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 13422

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

Wow! Doctors get a lot of time off! 14 weeks?!?! Sign me up!

I'm a federal employee at 15+ years so:
26 days of vacation
13 days of sick leave
~10 holidays
by JamalJones
Wed Aug 10, 2016 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: True state of retirees and course of action
Replies: 29
Views: 4134

Re: True state of retirees and course of action

I keep reading of the dire state of retirement in the US and how many seniors are unprepared for retirement, with the majority having saved very less and relying mainly on social security. This causes me to worry as I feel I do not have enough yet. But when I look to the real world, I don't see any...
by JamalJones
Fri Aug 05, 2016 1:57 am
Forum: Investing - Theory, News & General
Topic: "Your 10 Most Important Financial Decisions"
Replies: 21
Views: 3526

Re: "Your 10 Most Important Financial Decisions"

Bogleheads: Jonathan Clements is one of my favorite financial teachers. This is his list of the 10 most important choices you’ll ever make: 3. How early in life you start saving—and how much you save each month. Thank you, Mr. Clements! Best wishes. Taylor This one is one of the most important. Unf...
by JamalJones
Sun Jul 31, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: What is a modest retirement (definition)?
Replies: 66
Views: 7471

Re: What is a modest retirement (definition)?

I would say that "a modest retirement" is a situation where you can live in your chosen city/town reasonably well, but you're not taking trips to Tuscany or buying the latest iPhone. You get up everyday, drink your favorite coffee, you can pay your bills and just enjoy your house/apartment...
by JamalJones
Mon Jul 25, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 2542

Re: Affordable Bachelor party transportation?

Don't forget about surge pricing if you're looking at uber. Something to be said for being able to keep the crew together going from place to place. Depending on the guys involved, trying to uber everyone around could be chaos, or it could lead to some good stories. Also, don't forget it will be ha...
by JamalJones
Sun Jul 24, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 11389

Re: Reliving the Nightmare of the Crisis

Like many other people, I simply didn't look at my retirement accounts. There was no need, I knew their value had plummeted substantially. I had a stable Defense job though so failing banks weren't going to affect the conflicts in Iraq and Afghanistan. I just kept getting up everyday, going to work ...
by JamalJones
Thu Jul 21, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Scary thought. Running out of time to save for retirement
Replies: 60
Views: 7316

Re: Scary thought. Running out of time to save for retirement

I don't get the point of this thread. At age 39 I had approximately $5,000 total in retirement accounts. At age 58, I have almost $1,000,000 in my retirement accounts. I'm just talking about my personal retirement accounts, not my husband's retirement accounts and not what we have saved/invested in...
by JamalJones
Tue Jul 19, 2016 12:08 am
Forum: Investing - Theory, News & General
Topic: Stock Valuations — Is the U.S. Market Now the Global Growth Index?
Replies: 28
Views: 2975

Re: Stock Valuations — Is the U.S. Market Now the Global Growth Index?

Awesome! Looks like it's March of 2009 for international equities :D

All joking aside, this is why one should hold a diverse mix of domestic and international equities.
by JamalJones
Mon Jul 18, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: OK to stay in cash if you have 40-50x annual expenses?
Replies: 61
Views: 6259

Re: OK to stay in cash if you have 40-50x annual expenses?

I'm all for lowering risk if you don't need to take risk to raise money for retirement. However, as others have mentioned, 100% cash is a higher risk portfolio than a 25% stock, 50% bonds, and 25% CD portfolio. If I wanted to lower my risk as much as possible and I have 50x the annual money I spend...
by JamalJones
Mon Jul 18, 2016 1:15 am
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 6887

Re: Do you tip Uber drivers?

Yeah, I've never tipped an Uber driver. That's, at least, part of the point of it. With the new pool thing (you either accept to possibly ride with another passenger and pay less--and wait longer to get to your destination--or you pay double or triple to ride by yourself), and then much of the time ...
by JamalJones
Sun Jul 17, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 11008

Re: Just got back from Europe...ready to sell my International...

I was thinking the same thing. Also thinking about getting rid of US equities because of what's been going on here lately. Also no bonds either because of expected returns. Likely going all in on Asian and African micro caps.
by JamalJones
Sat Jul 16, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 8289

Re: Private vs State School?

Please don't shoot the messenger, but fwiw, Money magazine just released its 2016 "best value" college rankings. Methodology debates aside, it's interesting: m Yes it is interesting. Nice to see a school like Texas A&M ranked higher than Dartmouth, Brown, Duke, Notre Dame, etc.... I d...
by JamalJones
Sat Jul 16, 2016 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 8289

Re: Private vs State School?

TomatoTomahto wrote:Please don't shoot the messenger, but fwiw, Money magazine just released its 2016 "best value" college rankings.

Methodology debates aside, it's interesting: http://new.money.com/money/best-college ... -colleges/


Yes it is interesting. Nice to see a school like Texas A&M ranked higher than Dartmouth, Brown, Duke, Notre Dame, etc....
by JamalJones
Sat Jul 16, 2016 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 8289

Re: Private vs State School?

+1 I'd pay the extra for Williams or Amherst for sure Williams '08 English Literature grad checking in. Could I have gotten a similar education from Ohio State? Absolutely. However, I met my wife in my freshman dorm, and I got an amazing first job in the middle of the financial crisis from a Willia...
by JamalJones
Sat Jul 16, 2016 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 8289

Re: Private vs State School?

AZAttorney11 wrote:$65,000 a year for a history degree? That's an even bigger rip off than law school, and that's saying something!


Law school is a rip off in general, unless you attend a top 14 school.
by JamalJones
Sat Jul 16, 2016 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 8289

Re: Private vs State School?

I would be very reluctant to pay for many no-name or small-name private schools. Unless there's a unique or niche course of study available, I just don't see the ROI in attending a small, private liberal arts school. An Ivy League school, a comparable non-ivy like Stanford, or a STEM school would b...
by JamalJones
Sun Jul 10, 2016 11:56 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 18176

Re: What is your overall portfolio weighted expense ratio

Somewhere between 0.03% - 0.05% (can't input TSP funds into the Morningstar x-ray tool to get the exact ER) Looks like 2.9 basis points for all the TSP funds in 2015 m Yes, but what is the true cost? Lots of people throw around that 0.029% number, but look at the administrative fees for the TSP. It...
by JamalJones
Sun Jul 10, 2016 11:47 pm
Forum: Investing - Theory, News & General
Topic: Brexit - minor blip
Replies: 27
Views: 2596

Re: Brexit - minor blip

If you are primarily invested in VTSAX (Vanguard Total Stock Market, which is US) and VTIAX (Vanguard Total Int'l) then hopefully it is a minor blip. But if I were heavily weighted in domestic British stocks I'd be nervous. I don't think it bodes well for the UK's economy or financial system. The E...
by JamalJones
Sat Jul 09, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13532

Re: What's your asset allocation and why?

Asset allocation is below in my signature. I have this setup for a couple reasons: 1). I'm ~23 yrs away from retirement, so I have a ways to go. And I'm pretty good at not panicking during market downturns (2000-03, 2007-09, etc.). I don't sell, or transfer into all cash/bonds, I just keep plowing m...