Search found 2409 matches

by JupiterJones
Fri Feb 17, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 2665

Re: What's a good analogy for average returns?

If you have one foot on burning coals and one foot in an ice bucket, on average your feet are quite comfortable Not to mention the fact that you could also claim to have an above-average number of feet for a human. (Since there are a lot more people with no feet or only one foot than there are peop...
by JupiterJones
Fri Feb 17, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Anniversary Trip Recommendations
Replies: 23
Views: 1421

Re: Anniversary Trip Recommendations

I actually thought about Nashville. Is there much to do there? Yup! There have been some good threads here on that subject over the past few years: https://www.bogleheads.org/forum/viewtopic.php?t=164197 https://www.bogleheads.org/forum/viewtopic.php?t=210700 https://www.bogleheads.org/forum/viewto...
by JupiterJones
Thu Feb 16, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 2665

Re: What's a good analogy for average returns?

With all due respect, if obtaining market returns amounts to doing better than 80+% of investors, characterizing it as "average" is a bit of a misnomer. A good point. It is an average market return (that is, the compound annual growth rate of the market over a certain period of time). It ...
by JupiterJones
Thu Feb 16, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1056

Re: Visiting Downtown Denver in late March without car.

By the way, when you do have a car rental, be sure you have coverage for hail damage as it can really beat up a car. ...and watch out for toll roads that don't look like toll roads (i.e. don't have any toll booths or gates or anything... just FastPass cameras). Denver is notorious for that. Your re...
by JupiterJones
Thu Feb 16, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Word Doc/Need to Send via Mac - question
Replies: 9
Views: 662

Re: Word Doc/Need to Send via Mac - question

Heck, I thought that even the lowly TextEdit (the Mac version of NotePad) should be able to open a Word doc, as long as it can recognize it as such with the .doc or .docx extention. But if not, I'll second LibreOffice. It should open it up just fine. Of course, if you don't actually need to edit it,...
by JupiterJones
Thu Feb 16, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Anniversary Trip Recommendations
Replies: 23
Views: 1421

Re: Anniversary Trip Recommendations

Yes Vegas, although if you're not really foodies that would be a bit of a shame. Yes SF and Napa/Sonoma, although if you only have 3 or 4 nights you might want to focus on just one. Some other ideas: ⋅ Grand Canyon, maybe throw Sedona/Flagstaff in there too ⋅ Albuquerque and Sant...
by JupiterJones
Thu Feb 16, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 2665

Re: What's a good analogy for average returns?

You need to take a difficult and frustrating course. You go to class. The professor offers two choices: [...] Bogleheads choose 1. Bill "The Coffeehouse Investor" Schultheis uses a similar analogy he calls "Outfox the Box". It's probably my favorite way to put it: http://www.cof...
by JupiterJones
Wed Feb 15, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 5374

Re: Retire in my 30s?!

You need to meet Mr. Money Mustache. I think you'd guys would get along just fine:

http://www.mrmoneymustache.com/

:sharebeer
by JupiterJones
Wed Feb 15, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 8777

Re: -$280k Net Worth Has Me Up At Night

we currently save 26% of post-tax income. [...] Also, we want to hold our rental for passive income in the future. [...] I refuse to stop saving So your insane amount of debt is keeping you up at night, but you don't actually want to change anything you're doing to fix it? I don't really know what ...
by JupiterJones
Wed Feb 15, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1056

Re: Visiting Downtown Denver in late March without car.

If you like books, a visit to The Tattered Cover is in order. True. If only to show the kids an independent community bookstore. They're an endangered species. Anyhoo, yes, downtown Denver is quite easy to get around. Last time we were there (last Oct.) we just parked the car and walked everywhere....
by JupiterJones
Mon Feb 13, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 34
Views: 1485

Re: Munich,Germany- advise on things to not miss

Oh, and some good side-trips (other than Neuschwanstein):

  • Salzburg -- Less than 2 hours by train or car
  • Rothenburg ob der Tauber -- 2.5 hours by car, possible by train (but it doesn't look like it would be easy)
by JupiterJones
Mon Feb 13, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 34
Views: 1485

Re: Munich,Germany- advise on things to not miss

Dachau is definitely a "thing not to miss", especially if you've never toured a former concentration camp before. Life-changing. Allow plenty of time and wear comfortable shoes. In the city itself, I highly recommend following Rick Steves' "Munich City Walk". It's outlined in his...
by JupiterJones
Mon Feb 13, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2447

Re: Napa/Sonoma Recommendations

The Willamette Valley is getting there, but the wine country is pretty unspectacular to visit. At risk of contributing to the thread-drift, I'll have to disagree. I've been to Napa, Sonoma, and the Willamette Valley. I'd love to go back to all of them, but if I had to choose just one to return to, ...
by JupiterJones
Fri Feb 10, 2017 9:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 246
Views: 8450

Re: Your USER NAME...what does it mean?

An adjective that describes me. Sick life You seem upset. I've been very fortunate, along with a bit of luck and skill. I don't think he meant sick as in "sick". He meant sick as in "wicked". But not wicked as in "wicked". He meant it like, you know, "bad". B...
by JupiterJones
Thu Feb 09, 2017 5:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 246
Views: 8450

Re: Your USER NAME...what does it mean?

Jupiter Jones was a character in the old "Three Investigators" books--sort of the Gen-X equivalent of The Hardy Boys. I always thought it was a cool name. 8-)

The guy in my avatar is not Jupiter Jones, BTW. That's "Gold Five" from Star Wars, whom I quote in my sig line.
by JupiterJones
Tue Feb 07, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2447

Re: Napa/Sonoma Recommendations

Oh, and some winery tips if you need 'em: If you don't know much about wine yet, poke around on the 'net and take some time to learn the basics (common grape varietals, identifying major flavors/aromas, etc.) Wine Spectator has some great online resources, although you have to be a subscriber. Some ...
by JupiterJones
Tue Feb 07, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2447

Re: Napa/Sonoma Recommendations

It's been several years since I've been, but here are some wineries we enjoyed in both valleys: ⋅  Schramsberg -- They make a great bubbly. Reserve the "cave tour" well ahead of time. ⋅  Ferrari-Carano -- Beautiful vineyard. Before your trip, try to find a copy of A Ver...
by JupiterJones
Thu Feb 02, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Opinions?
Replies: 23
Views: 1666

Re: Tax Software - Opinions?

They are both easy, but I can't imagine using either without at least a fundamental knowledge of the tax code. Yup. I've been using Block for ages but I also cross-check everything with a spreadsheet just for my own nerdy edification. You could use tax software without actually knowing anything abo...
by JupiterJones
Thu Feb 02, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 5366

Re: Milestone and gotta tell someone

Congrats! :sharebeer And yeah, I think mortgage-burning parties did used to be a thing, but it was back when mortgages were widely considered to be something most people would strive to pay off, rather than keep around (and continually re-finance) practically your whole life. There's even a traditio...
by JupiterJones
Thu Feb 02, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Should you stop using your antivirus software?
Replies: 36
Views: 2484

Re: Should you stop using your antivirus software?

Flymore wrote:
smartinwate wrote:I don't use antivirus software.
:wink:


Ditto! never have. 8-)


Same here. I just run Mac OS X and leave it at that.

Not a lot of reason to bother installing and fussing with an alarm system when you live in a community with a very-nearly-zero crime rate.
by JupiterJones
Tue Jan 31, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5116

Re: France or Switzerland

davidsorensen32 wrote:Update: France wins hands down. We're booking our flights to CDG. God bless you all. Thanks everyone.


Glad to hear it! You're going to have a great time. Bon voyage! :beer
by JupiterJones
Tue Jan 31, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Recent divorce, would like help looking at my financial/tax picture
Replies: 16
Views: 1993

Re: Recent divorce, would like help looking at my financial/tax picture

Note: My parents have offered to lend me $10,000 to pay some of this off, interest free and to repay them back when I feel like it. I always avoid borrowing money from my parents because it comes with too many strings attached. Very wise. I wouldn't take the loan either. At your income and with the...
by JupiterJones
Tue Jan 31, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3204

Re: Are you changing your AA based on current events?

Based on current events, I'm moving most of my investments into poster board and magic marker stocks.

Nah, not really. I'm staying the course as always. :sharebeer
by JupiterJones
Fri Jan 27, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs Invest
Replies: 14
Views: 1344

Re: Student Loan vs Invest

What is your currently monthly payment? Around $400 or so? Are you okay with being on the hook for that payment every month for the next 17 years?

I wouldn't. Personally, that payment would drive me batty.

YMMV.
by JupiterJones
Fri Jan 27, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 3820

Re: Humble brag finally got admiral shares in taxable account

Luckily this is a place you can feel free to brag away about that sort of thing. Congrats!

:sharebeer
by JupiterJones
Tue Jan 24, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 3382

Re: Possbile career moves without college degree

I'd imagine that the best career move for him would be the "job" of being a part-time community college or trade school student. But if that's out of the question, how about driving a truck? I understand that long-haul truckers are always in demand and can make some decent bucks. Set some ...
by JupiterJones
Mon Jan 23, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Student Loan
Replies: 14
Views: 1370

Re: Advice on Student Loan

thx but wouldn't it be better off to put the money in the market and earn 8-10% compounding annually vs paying it off today? I don't plan to touch it for 20 years and am pretty disciplined about it. Not IMHO, because: A) Maybe the market won't return 8-10% annually. Even with a 20-year time horizon...
by JupiterJones
Mon Jan 23, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Should we pay off our student loan?
Replies: 44
Views: 3563

Re: Should we pay off our student loan?

Toss it on the student loan.
by JupiterJones
Thu Jan 19, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1485

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

I've suggested I show her how to use the right side mirror, I believe she only uses the left one and tries to gauge the edge of the driveway from it. Oof! That is a tight fit. But even more support for the "she should just start backing the car in" argument. If she's primarily concerned w...
by JupiterJones
Thu Jan 19, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Recommendations for radio stations
Replies: 16
Views: 1300

Re: Recommendations for radio stations

I'll second TuneIn Radio. Oodles of channels. Totally free.

I use it to listen to some of the radio stations I listened to in the rental car when on vacations in Europe. It's a great way to have an "audio vacation" (and improve your foreign language comprehension).
by JupiterJones
Thu Jan 19, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paying back college loan debt
Replies: 15
Views: 967

Re: Paying back college loan debt

You really think so? I definitely agree on the importance of maxing out your Roth IRA early, but I feel like prioritizing debt would be a better move here. The thinking is that the valuable "tax advantaged space" that an IRA gives you is a "use it or loose it" opportunity. You c...
by JupiterJones
Wed Jan 18, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1485

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

Some other options, just for the heck of it: You could get someone to put in a short "rumble strip" in your driveway, or build out the brick patio another six inches or so... anything to give a tactile warning that you're getting too close. Put a plastic rain barrel there, since you alread...
by JupiterJones
Wed Jan 18, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5116

Re: France or Switzerland

toto238 wrote:I'm not sure what the best thing is about Switzerland, but their flag is a big plus.


I see what you did there... :sharebeer
by JupiterJones
Tue Jan 17, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5116

Re: France or Switzerland

If your wife is afraid, then you shouldn't go. It doesn't really matter if her fear is rational or not; if she feels it, she feels it. If she feels it, it's a current fear, from where she sits now. It's easy to slip into the trap of fear when it comes to things that are unknown. You only have your ...
by JupiterJones
Wed Jan 11, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5116

Re: Austria

OP: If between France and Switzerland, Switzerland wins for incredible beauty. A close second has not been mentioned: Western Austria. Like Switzerland, but much less expensive. Or, as long as we're tossing off less-expensive alternatives, there's Western Slovenia. It's no Switzerland, but still......
by JupiterJones
Wed Jan 11, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6421

Re: Where do you keep your emergency fund?

IMHO, it's perfectly okay if your EF "languishes". Sure, there are some better-paying savings accounts with the online banks that might merit a look. And/or you could do some fiddling with CDs for some of it, etc. Nothing wrong with that. (We use an online account for the bulk of our EF th...
by JupiterJones
Mon Jan 09, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Help with Ratios and Index Funds
Replies: 8
Views: 539

Re: Help with Ratios and Index Funds

Thanks so much for this feedback! Could anyone suggest another targeted fund besides Vanguard so that I don't put all my eggs in one basket? But they wouldn't be all in one basket. The money in those funds is spread out among an extremely wide array of baskets. True, the baskets are all looked afte...
by JupiterJones
Mon Jan 09, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 4099

Re: Help with paying off debt

I'd go with the simple Dave Ramsey Baby Step's snowball method. Seconded. At least as far as Step 2 is concerned. There are many points on which Mr. Ramsey and I disagree, but the "snowball" approach* is what I would do if I were the OP. * List all non-mortgage debts in order, smallest-to...
by JupiterJones
Mon Jan 09, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: I want to go to Alaska this summer - tell me what, why and when!
Replies: 18
Views: 1533

Re: I want to go to Alaska this summer - tell me what, why and when!

Note that going in the off seasons has the bonus of giving you a better chance of seeing the Northern Lights.
by JupiterJones
Fri Jan 06, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie wanting to learn...everything about investing
Replies: 18
Views: 1112

Re: Rookie wanting to learn...everything about investing

I just figured if all of it goes towards student loans then there is nothing left to invest. But I do see your perspective in doing so. 6.8% return sounds good although I do not look at it as such. (I just need to change the way I think) Right. As you've figured out by now, investing a dollar somew...
by JupiterJones
Fri Jan 06, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 7157

Re: 500K milestone celebration

grap0013 wrote:What if the OP makes 450K per year?


Then they're killin' it career-wise. Congrats in order either way! :sharebeer
by JupiterJones
Fri Jan 06, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3809

Re: Is a prenup always necessary when remarrying?

Prenups (whether remarrying or marrying for the first time) are only necessary if either of the two of you would prefer different "rules" governing your potential divorce that the default set of rules that already exists. Of course, that requires learning all you can about the law in your ...
by JupiterJones
Fri Jan 06, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on a Bogle quote
Replies: 29
Views: 2434

Re: Thoughts on a Bogle quote

"Diversify" is also a Boglehead truism. Personally, I think having all of your money invested in your home country is dangerously lacking in diversification (just ask a Japanese investor who remembers the '90s and '00s) The rule-of-thumb I go by is putting 1/3 of my total equities in inter...
by JupiterJones
Fri Jan 06, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need life insurance?
Replies: 18
Views: 1206

Re: Do we need life insurance?

Sounds to me like a textbook case of not needing life insurance: No burdensome financial impact from either or both of you dying.
by JupiterJones
Wed Jan 04, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie wanting to learn...everything about investing
Replies: 18
Views: 1112

Re: Rookie wanting to learn...everything about investing

ADMT_x wrote:Debt: 55k student loan debt with interest rate of 6.8%

...

I have 10k in savings that I would like to invest because it is literally not growing.


How about just throwing it at your student loan where it will "earn" you a guaranteed, risk-free 6.8% return?
by JupiterJones
Wed Jan 04, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Book recommendation for teen
Replies: 15
Views: 802

Re: Book recommendation for teen

One of my earliest books and still a favorite is one of Eric Tysons "Dummies" series such as Personal Finance for Dummies. https://www.amazon.com/s/ref=nb_sb_ss_c_2_10?url=search-alias%3Dstripbooks&field-keywords=eric+tyson&sprefix=eric+tyson%2Caps%2C219&crid=14XCEE2YDBUK0 Sec...
by JupiterJones
Wed Jan 04, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash gifts?
Replies: 8
Views: 902

Re: What to do with cash gifts?

Yes to maximizing tax-advantaged investing as much as you can. I would then use any "leftovers" to pay extra on the mortgage, especially if you're paying PMI.

Yes, this makes the money non-liquid. And yes, your mortgage rate is super-duper low. Still, that's what I'd do if it were me. YMMV.
by JupiterJones
Tue Jan 03, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? Seven Week Update
Replies: 131
Views: 10761

Re: Learning an instrument as an adult?

Adding to that, a "baritone ukulele" is tuned to the top 4 strings of a guitar so fretting chords and notes is the same, while a "concert" ukulele is tuned differently so chord shapes are different. Both fun. Interestingly, the shapes for a specific chord are different, but the ...
by JupiterJones
Tue Jan 03, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Is my package stuck in German customs? Now what?
Replies: 27
Views: 5084

Re: Is my package stuck in German customs? Now what?

Nope, never got it. They were concert tickets. Luckily, the folks at SAP Arena in Mannheim were sehr freundlich und hilfreich . I showed printouts of my email receipts at the Will Call window, and they had a security guy personally escort us past the ticket takers and right to our seats! Really outs...
by JupiterJones
Thu Dec 29, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5116

Re: France or Switzerland

The worst choice of all: staying home out of fear. This ^ If I, personally, were to choose between France and Switzerland, I'd go with Switzerland. But that doesn't have anything to do with safety... it's because I've been to both and would simply rather return to Switzerland out of the two. It's a...

Go to advanced search