Search found 5026 matches

by Johm221122
Wed Feb 28, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 18933

Re: What was your % pay raise?

My company was sold,so no pay raise for one year. :confused and lost good health insurance policy for a major medical insurance policy also lost my short and long term disability policy.Plus no 401 for 90 days :confused
by Johm221122
Sun Feb 18, 2018 3:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6808

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Keep in mind that without bonds you will not be able to purchase stocks when there is a decline. 10% bonds does not create that much drag. Also, while your portfolio is rather small, stock declines aren't that big of a deal. But once you have a larger portfolio, seeing a few $100K disappear is rath...
by Johm221122
Sat Feb 17, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 67
Views: 6808

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

Keep in mind that without bonds you will not be able to purchase stocks when there is a decline. 10% bonds does not create that much drag. Also, while your portfolio is rather small, stock declines aren't that big of a deal. But once you have a larger portfolio, seeing a few $100K disappear is rath...
by Johm221122
Mon Feb 12, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 12264

Re: Anybody else Age - 10 in bonds, rest in stocks

I'm 48 and 60% stocks/40% bonds but not because I'm using age minus 10 in bonds
It just fits my current situation
by Johm221122
Sun Jan 21, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 10133

Re: Where do you keep your emergency fund?

One month expenses in capital one 360
Over 3 years expenses savings bonds(I and EE)
by Johm221122
Sat Jan 13, 2018 6:09 am
Forum: Investing - Help with Personal Investments
Topic: 401K: Should I manage this myself?
Replies: 17
Views: 1151

Re: 401K: Should I manage this myself?

Welcome to forum, Please give us all information https://www.bogleheads.org/forum/viewtopic.php?t=6212 Welcome to the Bogleheads Forum. There are many knowledgeable and helpful people who are part of this online community. Most of these posters are willing to share their time and expertise with new ...
by Johm221122
Sat Jan 13, 2018 6:05 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 6022

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

I don't believe in 1oo% of any asset class,diversification is too easy and over my investment time line U.S. large capital stocks may under perform I don't do "Don't put all of your eggs in one basket". I put all my eggs in one basket, and watch that basket like a hawk. Worked out well so far. Henc...
by Johm221122
Fri Jan 12, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 6022

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

I don't believe in 1oo% of any asset class,diversification is too easy and over my investment time line U.S. large capital stocks may under perform I don't do "Don't put all of your eggs in one basket". I put all my eggs in one basket, and watch that basket like a hawk. Worked out well so far. Henc...
by Johm221122
Thu Jan 11, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 6022

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

I don't believe in 1oo% of any asset class,diversification is too easy and over my investment time line U.S. large capital stocks may under perform
by Johm221122
Fri Jan 05, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27566

Re: Hitting The Sell Button

I found out my company was sold,made me do some just in case I don't have job scenarios. If I went to CD/bond lader(100% of portfolio)I could make it 14 years,I would be 62(with same exact standard of living) I was 60/40 but after my roll over(money in transit)I'll think I'll go 55/45 till next dip....
by Johm221122
Thu Jan 04, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 8702

Re: Goodbye Capital One 360!!

Been with capital one 10 years,nothing but good service from Capital One
by Johm221122
Wed Jan 03, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61877

Re: Netflix, Your Current Favorite Show

NewPhoneWhoDis wrote:
Wed Jan 03, 2018 5:20 pm
Johm221122 wrote:
Wed Jan 03, 2018 6:00 am
I'm watching Shamless(on disc)
Absolutely funny and entertaining
Unless there's another show called Shamless, Shameless is available to stream. And I would agree, it's amazing.
I just use disc,I got tired of streaming a few years back and switched to disc,probably should switch back
by Johm221122
Wed Jan 03, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61877

Re: Netflix, Your Current Favorite Show

I'm watching Shamless(on disc)
Absolutely funny and entertaining
by Johm221122
Tue Dec 26, 2017 6:57 am
Forum: Investing - Theory, News & General
Topic: Are Bitcoins really limited?
Replies: 10
Views: 1636

Re: Are Bitcoins really limited?

How many Bitcoins are lost because people lost there"wallet" key(hope this is right term)? There is only 21 million and at first were cheap,have many just disappeared? Quick Google search 4 million Those numbers imply 17% to 23% of existing bitcoins, which are today worth around $8,500 each, are lo...
by Johm221122
Tue Dec 26, 2017 6:13 am
Forum: Investing - Theory, News & General
Topic: Are Bitcoins really limited?
Replies: 10
Views: 1636

Re: Are Bitcoins really limited?

How many Bitcoins are lost because people lost there"wallet" key(hope this is right term)?

There is only 21 million and at first were cheap,have many just disappeared?
by Johm221122
Sun Dec 24, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Just started Roth IRA. Is right way to go?
Replies: 3
Views: 628

Re: Just started Roth IRA. Is right way to go?

Your information is hard to use,try using fund names using this format(include all information)
viewtopic.php?t=6212
by Johm221122
Sun Dec 24, 2017 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Do you have trouble standing firm on your asset allocation?
Replies: 45
Views: 4056

Re: Do you have trouble standing firm on your asset allocation?

I over rebalanced into a few market crashes.Also I just learned my company was sold so I went 100% fixed income(in 401) for 2 weeks(I was just over the amount to get good bonus for IRA roll over ,didn't want to blow it)
by Johm221122
Fri Dec 22, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 9282

Re: Interesting ride so far - Crypto-curriencies

rmelvey wrote:
Thu Nov 23, 2017 10:02 am
. People have been looking for a genuine alternative investment for a long time (low correlation with stocks/bonds but with high returns) and crypto fits the bill.
Maybe you could provide proof of this
by Johm221122
Fri Dec 22, 2017 5:38 am
Forum: Investing - Theory, News & General
Topic: Invest equally in stock, bonds, and REITs (US & International)
Replies: 11
Views: 1129

Re: Invest equally in stock, bonds, and REITs (US & International)

Not only is it REIT heavy but for many of us it's bond light.Bond/stock ratio should be your first factor,then choose your specific investment choices(tilt,sector and type of fixed income)
by Johm221122
Wed Dec 20, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3226

Re: Hotel $50-500/night Expectations

Your best bet is on single night stays and just turning up at the desk after 6pm. You can do way better than rack rate by talking directly to the desk staff. I work at a hotel and about 30% of time you would be looking all night because hotels are full For best rate shop on line and call 1800 numbe...
by Johm221122
Tue Dec 19, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3226

Re: Hotel $50-500/night Expectations

Hotel rates are very dependent on many factors,$50 dollar rooms in my area would probably be rent by the hour places that I would recommend you avoid
by Johm221122
Tue Dec 19, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: If you hold CDs as part of your bond AA, can it be in an IRA?
Replies: 7
Views: 817

Re: If you hold CDs as part of your bond AA, can it be in an IRA?

I don't know much about CDs use search feature many posts on this but I can see that it might be useful to hold part of the bond portion of one's AA in a CD. many agree with you In this case can the CDs be held in a bank account? yes,but a little more work than just using brokerage I know that one ...
by Johm221122
Mon Dec 18, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: 60/40 split - bond index vs money market
Replies: 12
Views: 1819

Re: 60/40 split - bond index vs money market

The 40% can be held in money market fund,high yield savings,stable value,individual bonds ,CD's or other kinds of bond funds(short term or long term)
by Johm221122
Sun Dec 17, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard fund(s) for Roth
Replies: 5
Views: 545

Re: Vanguard fund(s) for Roth

Welcome to forum, Asking portfolio question https://www.bogleheads.org/forum/viewtopic.php?t=6212 We need to know some important things about you, including all the investments you already have. Otherwise, we may be advising you to buy into a fund that overlaps your present holding(s), doesn't fit y...
by Johm221122
Sat Dec 16, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18775

Re: Call the top! - Bitcoin

Today's Wall Street journal(Saturday)has article,doesn't show up on Google search(read paper)

Interesting that 40% of Bitcoin is bought in Japan

Article
"You Can Thank Mr. Watanabe for Bitcoin’s Explosive Rally"
by Johm221122
Mon Dec 11, 2017 5:28 am
Forum: Investing - Help with Personal Investments
Topic: When to invest in a bull market
Replies: 17
Views: 2347

Re: When to invest in a bull market

Hello welcome to forum - I'd like to invest $100,000 in the S&P 500 Index mutual fund why not use a more diversified portfolio,like a life strategy fund or at least Total stock market fund , but the market is at an all time high. irrelevant if you have a portfolio that"meets your need,ability and w...
by Johm221122
Thu Dec 07, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5172

Re: Interesting twist to "Free 2-day shipping" at Walmart

Couldn't help but bring this post back,I ordered pair of headphones for young relative,2 day delivery has been processing for 3 days????I'll probably have to call them tomorrow if it hasn't shipped :oops:
by Johm221122
Tue Nov 28, 2017 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Certified Deposits [Certificates of Deposit - CDs]
Replies: 23
Views: 3188

Re: Certified Deposits

jordan wrote:
Mon Nov 27, 2017 4:24 pm
Hello ,
longer duration gets Good Return.

Can any one please share their views on it..

Regards
Jordan
I don't consider it a good return,especially after inflation.But it is a good option,we can't change today's interest rate environment
by Johm221122
Sun Nov 19, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

It seems to me that much of the stuff that people argue about here amounts to "tweaking around the edges" in an attempt to attain maximum performance (according to whatever criterion you use for "performance"), rather than being satisfied with a plan that is simple and "good enough." Someone here o...
by Johm221122
Sun Nov 19, 2017 5:51 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

http://johncbogle.com/speeches/JCB_NE_Pension_4-00.pdf Four Key Elements of Investing: Reward, Risk, Time, and Cost ...for all of the projections and assumptions we make (and almost take for granted), there is one element of investing we cannot control: Reward. For future stock market returns are c...
by Johm221122
Sun Nov 19, 2017 5:39 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

Here is another way to look at,
We all would agree that a doctor,lawyer, electrician etc..would know more about their field than us,but when it comes to investing giving your personal circumstances,how many feel a professional advisor could do better than your current investment policy(plan)?
by Johm221122
Sun Nov 19, 2017 5:16 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

If we don't have certainty anywhere else in life, why should it exist in investing theory....a subject that has been around for maybe 40-50 years max? That's a real good point,investing as we know it ,is not a field that's been around real long.Index funds,401 plans,the internet are fairly recent i...
by Johm221122
Sun Nov 19, 2017 5:12 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

So exactly what do we we definitely know? Diversification works. You will have some exposure to whatever is best and not too much exposure to the things that don't work. This is not just for stocks and bonds but also things like Roth vs Traditional and Now vs Later decisions. Yes that is what looki...
by Johm221122
Sat Nov 18, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

We know to save as much as possible, am i save too much and missing life today invest in low cost funds, But something like Bitcoin makes me think is stocks and bonds best pick an appropriate asset allocation, exactly what is best keep debt reasonable Ok I can go with that or use debt sparingly , a...
by Johm221122
Sat Nov 18, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

Yes, we play the averages. Just like, on average, your spouse won't cheat on you but how do you definitively know? And your children won't turn out to be murdering cannibals. And your car won't explore in a fireball of death tomorrow because Central American narco-terrorists mistook you for an inve...
by Johm221122
Sat Nov 18, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

Tycoon wrote:
Sat Nov 18, 2017 10:13 pm
I know that investing has been really easy. By far the most effortless thing I've ever done to earn money.
This is a definite,investing in a Boglehead way is easier than working
by Johm221122
Sat Nov 18, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

We really don't know anything when it comes to investing,do we?Almost daily I see posts on Bogleheads that make me feel this way Which is better a CD ladder or bond fund,with interest rates this low? Which is better index funds or a low cost managed fund (Wellington,Wesley,Primecap...)? Am I saving...
by Johm221122
Sat Nov 18, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

Sandtrap wrote:
Sat Nov 18, 2017 10:00 pm
We know what we know and what others know through discussions.
We know we are wary, cautious, deliberate, methodical, and learned . . . and deservedly fearful.
And so, we know . . . we don't know.
And so knowledge and experience is shared to reinforce: "stay the course". :D
+1
by Johm221122
Sat Nov 18, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

We really don't know anything when it comes to investing,do we?Almost daily I see posts on Bogleheads that make me feel this way Which is better a CD ladder or bond fund,with interest rates this low? Which is better index funds or a low cost managed fund (Wellington,Wesley,Primecap...)? Am I saving...
by Johm221122
Sat Nov 18, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

Re: What we don't know

We know to save as much as possible, am i save too much and missing life today invest in low cost funds, But something like Bitcoin makes me think is stocks and bonds best pick an appropriate asset allocation, exactly what is best keep debt reasonable Ok I can go with that or use debt sparingly , a...
by Johm221122
Sat Nov 18, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 3231

What we don't know

We really don't know anything when it comes to investing,do we?Almost daily I see posts on Bogleheads that make me feel this way Which is better a CD ladder or bond fund,with interest rates this low? Which is better index funds or a low cost managed fund (Wellington,Wesley,Primecap...)? Am I saving ...
by Johm221122
Fri Nov 17, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 6115

Re: Holding VTSAX only

Check out vanguard historical returns of portfolio
https://personal.vanguard.com/us/insigh ... llocations

I like 60-70 % stocks in accumulation phase

20-40% of equity in international
by Johm221122
Fri Nov 17, 2017 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 32
Views: 3985

Re: Bond fund in a ROTH

jtelwood wrote:
Fri Nov 17, 2017 1:51 am


Last question. What VG bond fund would you recommend for our ROTH IRA's - I was thinking about either an intermediate corporate or intermediate Treasury. Looking forward to your recommendations.

Thanks again.

jte
I would use Total Bond index
by Johm221122
Thu Nov 16, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5884

Re: Where did you first learn about investing?

My roommate an co worker traded options using a system with WSJ,he said something about 3 factors,The front page,heard on the street and a third factor.Needles to say he didn't appear to be successful(needed roommate and we both worked tons of overtime)
by Johm221122
Thu Nov 16, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371906

Re: U.S. stocks in freefall

oldcomputerguy wrote:
Wed Nov 15, 2017 9:15 pm


If only we could control that ...
We don't need to control it,we just need a basic idea of what the market will do and when :sharebeer
by Johm221122
Thu Nov 16, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 32
Views: 3985

Re: Bond fund in a ROTH

I believe the prevailing wisdom here is that it always makes sense to hold bonds and bond funds in tax advantaged accounts as they are by nature tax inefficient. Yes, but generally, I think, it’s bonds in tax -deferred (tIRA, 401k, etc.) and equities in tax -free Roth. PRIMECAP goes into the Roth, ...
by Johm221122
Thu Nov 16, 2017 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 32
Views: 3985

Re: Bond fund in a ROTH

Yes, If you hold stocks in taxable If your 401 doesn't have good bond option If your risk adverse If your Roth is all your assets If you use balanced funds Many more that is just off the top of my head,I use too but use 401(stable value)and savings bonds for my fixed income My ROTH is international ...