Search found 96 matches

by jb1
Sat Aug 12, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 17
Views: 1771

Re: Redfin

dreamjob9 wrote: ↑
Fri Aug 11, 2017 11:02 am
Full disclosure, I bought Redfins IPO as the first individual stock I have bought in 7.5 years.

Would others kindly please share their thoughts on Redfins business model, forecast and the idea of having RDFN as part of a portfolio?

Thanks!
how much did you buy also?
by jb1
Sat Aug 12, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 17
Views: 1771

Re: Redfin

Can anyone in their own words explain what redfin really is? What it will replace?
by jb1
Thu Aug 10, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: When does the trade go through at vanguard?
Replies: 4
Views: 405

Re: When does the trade go through at vanguard?

For mutual funds.

For example say I buy now at 7 est, would I get todays price? or tomorrow price?
by jb1
Thu Aug 10, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: When does the trade go through at vanguard?
Replies: 4
Views: 405

When does the trade go through at vanguard?

Hey guys

If I put in to buy TSM between the hours of 9:30-4, does that mean my order will be complete and take the price at the end of the day? Or, will I get the next days price?

What if I trade before or after hours? What price do I get?
by jb1
Thu Aug 10, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3739
Views: 981439

Re: U.S. stocks in freefall

I'm 26. Will ride this out and buy more for cheap :)
by jb1
Tue Aug 08, 2017 6:33 am
Forum: Investing - Help with Personal Investments
Topic: First Portfolio Review! 31 and 30 y.o. NYC married couple
Replies: 29
Views: 2262

Re: First Portfolio Review! 31 and 30 y.o. NYC married couple

Seems too stressful. Why not just move to a low COL area. Im from NJ living in NC now. Life has never been easier.
by jb1
Wed Aug 02, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Barcelona Hotel Recommendations
Replies: 23
Views: 1398

Re: Barcelona Hotel Recommendations

Damn not exceeding $300 a night? I had a hostel in Barca for $15 a night haha. Best time ever, then again Im 26.

Youll LOVE Barcelona. The food is out of this world. Even if youre not a soccer fan I still recommend you check out Camp Nou and possibly even see a game.
by jb1
Wed Aug 02, 2017 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3006

Re: Will my older self thank me?

Perhaps you should consider what your friends say about clothes. Are you wearing old and ragged clothes because you refuse to replace them? That might be rather extreme. If they are proud of spending lots of money on clothes and other things, then you might be the smart one. There is a happy medium...
by jb1
Tue Aug 01, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3006

Will my older self thank me?

Hello elder bogleheads. I'm currently 26, have 53k in a lazy 3 fund with a 90/10 stock to bond split. At age 26 I do have to say I'm proud of where I've come in terms of investing compared to my friends. I can afford to invest about 12-16k a year. Will my older self thank me in the future? If I can ...
by jb1
Fri Jul 28, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 4988

Re: BMW Z3 or Z4 or nothing at all?

Would rather a 350z to be honest. A bit bias since I have a 2006. Nothing better than hearing that purrrrfect exhaust note with the windows down. On top of that the car is quick, has great handling and its cheaper than a bmw I came here to ask that, too. What about the Nissan 350Z? Or Infiniti G37/...
by jb1
Thu Jul 27, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Montreal visit in September
Replies: 11
Views: 1072

Re: Montreal visit in September

I went to montreal in May for a bachelor party and it was amazing. Id recommend using airbnb or homeaway (similar). The area near bell center is packed with hot girls lol
by jb1
Thu Jul 27, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 4988

Re: BMW Z3 or Z4 or nothing at all?

Would rather a 350z to be honest. A bit bias since I have a 2006. Nothing better than hearing that purrrrfect exhaust note with the windows down. On top of that the car is quick, has great handling and its cheaper than a bmw
by jb1
Thu Jul 27, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30239

Re: What you wish you had known entering your late 20's

Ahh love love love threads like this. Has convinced me to save more than 15% of my income!
by jb1
Mon Jul 24, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Making trades in IRA
Replies: 6
Views: 509

Re: Making trades in IRA

Sounds like a genius, hope hes shorting with everything
by jb1
Mon Jul 24, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 35
Views: 4532

Re: How to buy (or invest) into Bitcoin?

Ive been looking into this crypto stuff hard.. Im still confused on how it works. Ok, so I open an account on coinbase > put money in > but whatever currency I want > trade it back to USD > profit? Yes that is basically how coinbase works. Coinbase is the best place for a beginner to get started, a...
by jb1
Mon Jul 24, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 35
Views: 4532

Re: How to buy (or invest) into Bitcoin?

Ive been looking into this crypto stuff hard.. Im still confused on how it works.

Ok, so I open an account on coinbase > put money in > but whatever currency I want > trade it back to USD > profit?
by jb1
Sat Jul 22, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: 50K USD: Investing via Vanguard Personal Advisor vs DIY
Replies: 12
Views: 1144

Re: 50K USD: Investing via Vanguard Personal Advisor vs DIY

Park it in a TR fund and start learning. 10 years from now you'll have much more than $50k invested, and you'll also know a hell of a lot more. Even one year from now you will. For the TR fund, pick one based not on desired retirement date but rather desired AA. Stupid question: Does desired AA rep...
by jb1
Fri Jul 21, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 8282

Re: Anyone else extremely frugal?

I'm frugal in some areas to make sure I can save and spend in the areas I want to spend in. I drive older cars, but just got back from a trip to Europe. It gets easier as your balance gets larger and your returns are helping you more than just your contributions. Same, Im 26, my car is from 2006 an...
by jb1
Fri Jul 21, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 8282

Anyone else extremely frugal?

Dont know what it is with me. Im very basic. Havent bought clothes in 2 years. Can go without eating lunch just to save $5. Kinda want new shoes but dont really "need" them. It kinda sucks. I make about $40k a year, which is peanuts, but surely i should be able to purchase goods in life wi...
by jb1
Fri Jul 14, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tony Robbins new book Unshakeable
Replies: 21
Views: 2440

Re: Tony Robbins new book Unshakeable

I used to like Robbins. Then read his book, listened to his podcast, got annoyed by his voice/what he preaches, and I want nothing to do with him.. Are his stories even real? "Met his 4th father" "Didnt have money for food" .. Ok. Grant Cardone is becoming that now. Everything fo...
by jb1
Fri Jul 14, 2017 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Tony Robbins new book Unshakeable
Replies: 21
Views: 2440

Re: Tony Robbins new book Unshakeable

Cant stand him or kiyosaki. Yawn. Look at me started from the bottom now make millions. Read my repetitive books so i make more
by jb1
Fri Jul 14, 2017 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Tony Robbins new book Unshakeable
Replies: 21
Views: 2440

Re: Tony Robbins new book Unshakeable

I stopped reading his first book after 300 pages. Seriously repeated himself, told the same sappy stories. The guy is all hype, why is he famous again?

People are better off reading "If you can"..
by jb1
Thu Jul 13, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: VTTSX (TR 2060) vs VLXVX (TR 2065)
Replies: 5
Views: 451

VTTSX (TR 2060) vs VLXVX (TR 2065)

Vanguard just released VLXVX (target retirement 2065). At a price of $20 im rather intrigued to swap it in place of my TR 2060. I feel all these target retirement fund start at $20, go up $10-15 then linger (am i wrong here)?

Thoughts on doing so? TR 2065 still has a 90/10 stock/bond split.
by jb1
Thu Jul 13, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Rent, buy, live at home?
Replies: 7
Views: 872

Rent, buy, live at home?

Hey all, Heres a quick background on me. Im 27 years old and currently live with my parents making about $40k a year which im confident can go up to 50k by next year. My long term goal is to become a real estate investor owning multiple properties and making a cash flow through it. Right now I have ...
by jb1
Mon Jul 10, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Potential Real Estate Investing after marriage
Replies: 10
Views: 969

Re: Potential Real Estate Investing after marriage

I personally want to do REI longterm. Perhaps play around with one house for a couple years see how you like it. My vote is to rent out where she lives now, get a place to yourself, live for a year/househack, repeat.

Check out biggerpockets
by jb1
Mon Jul 10, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5436

Re: Thoughts on individual dividend investing?

jb1, the suggestions/link you already have will provide you good information to answer your question. In addition, I would suggest you look at the yield of Exxon, Chevron, Total, Royal Dutch etc. to see that the market has made a judgment on which firms have the least/most risk. BP has a high yield...
by jb1
Mon Jul 10, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5436

Re: Thoughts on individual dividend investing?

the dividend investing flow chart -- Start-->Do you believe dividend investing leads to higher returns? +No --> seek a total return approach (standard boglehead) +Yes--> Do you believe you are better than the professional investors who are managing funds focused on the same strategy? +++No --> Tilt...
by jb1
Mon Jul 10, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5436

Thoughts on individual dividend investing?

Hey all, besides my 3 fund and Roth IRA, Ive been looking into individual dividend stock investing. Companies that catch my eye include BP or Coca Cola. BP give a yield of 6.99 which is amazing. Hypothetically speaking on dividends alone, if you put 10k in, after 10 years youve nearly doubled your m...
by jb1
Mon Jul 10, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Need to get dental implant done..
Replies: 23
Views: 1624

Re: Need to get dental implant done..

Thank you all for the responses. Ive been to Poland many times. Id use this as a vacation/implant trip. Cant beat $15 hotels, $1 premium beers, a cheap plane ticket. It is something I will look into. However, Im only worth about 70k. (50k in investments, 20k cash), as a bogle, for me to spend ~9% of...
by jb1
Mon Jul 10, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Need to get dental implant done..
Replies: 23
Views: 1624

Re: Need to get dental implant done..

I would suspect that if an implant "failed" there may be something about replacing it that makes it more complex then an initial implant. If that's the case it may be harder to shop remotely for an overseas dentist unless you have friends/relatives in that area that are familiar with loca...
by jb1
Mon Jul 10, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Need to get dental implant done..
Replies: 23
Views: 1624

Need to get dental implant done..

Long story short, knocked my tooth out when I was younger. The implant that was put in "failed" (lol). Went to a dentist today and was told the total procedure would be about 5-6k.. I was taken back. Found out I can get the same procedure done in Poland for $800.. Flight is 400 round trip....
by jb1
Mon Jul 10, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Completely New to Investing, Don't Know Where to Start
Replies: 9
Views: 612

Re: Completely New to Investing, Don't Know Where to Start

As someone who is also new in the past year. I have decided to keep any money I may need in a high yield bank with goldman sachs. I get 1.2% which over time will add up even if its a few bucks. I have also created a typical "lazy 3 fund portfolio" consisting of US Stock market, Int. Stock ...
by jb1
Wed Jul 05, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Which Savings Account to Open?
Replies: 5
Views: 815

Re: Which Savings Account to Open?

I use goldman sachs
by jb1
Tue Jun 27, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a Recent College Graduate
Replies: 6
Views: 453

Re: Investment Advice for a Recent College Graduate

Why even do the 401k if fees are high and open up a regular 3 fund account here? Assuming you contribute 18k, 6% of that is 1k. Youll wind up spending more in fees no?
by jb1
Fri Jun 23, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2610

Re: Anyone have a habit of checking the market all day?

Thanks for the responses. Im gonna set some goals of checking just once a week.. Lol gotta break this habit.
by jb1
Fri Jun 23, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2610

Anyone have a habit of checking the market all day?

Maybe its because Im a young investor but I find myself checking the market everyday once it opens and periodically throughout the day. I get excited when it goes even by pennies and upset when it goes down.. I have a 3 fund and I really should be taking a set it and forget it approach.. Or at least...
by jb1
Sun Jun 18, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 9
Views: 699

Re: Anyone into real estate investing here?

Thank you all for the responses. I still live at home and id like to move out into a purchased house, townhome, and rent out the other rooms to start.
Appreciate the feedback!
by jb1
Sun Jun 18, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 9
Views: 699

Re: Anyone into real estate investing here?

biggerpockets.com is the place you want to be to discuss real estate investing. Yea im on there too. Just wanted to see if bogleheads actively invested in real estate and what their strategies were Not to be unkind, but umm, the search button? There are lots and lots of real estate threads here. Th...
by jb1
Sun Jun 18, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 9
Views: 699

Anyone into real estate investing here?

Hey guys, in order to hit my financial goals, besides being a boglehead, I will look into real estate investing. Within the next few months when I have a bit more saved up, I plan to purchase my first rental property.

Does anyone else do this as well? If so, what do you own?
by jb1
Sun Jun 18, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Saving for investment property...muni bonds vs. ETF's?
Replies: 22
Views: 959

Re: Saving for investment property...muni bonds vs. ETF's?

Im in the same boat. Except my time frame is only a year. Ive decided to open a Goldman Sachs bank that earns 1.2%. Beats sitting in the regular bank itself at .03 and I can pull it out whenever.
by jb1
Sun Jun 18, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Where should I invest the home downpayment money I need in 5 years time
Replies: 9
Views: 1063

Re: Where should I invest the home downpayment money I need in 5 years time

I had a similar question. Wanted to keep my money accessible without sitting in the bank earning no interest. Ive gone with goldman sachs bank.
by jb1
Mon Jun 12, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Question on withdrawing 3 fund in the future
Replies: 3
Views: 412

Re: Question on withdrawing 3 fund in the future

When you say that you want to "taking my 3 fund earnings" at 40, do you mean you want to sell the funds in the account or do you mean that you want to stop reinvesting any earnings (dividends/interest/capital gains) in the account? Based on current tax laws, if you sell stocks (assuming a...
by jb1
Mon Jun 12, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question on withdrawing 3 fund in the future
Replies: 3
Views: 412

Question on withdrawing 3 fund in the future

Hey all, Have a question on withdrawing my earnings. Currently I have a 3 fund portfolio with 30k in it, and a Roth IRA with 15k in it. Im currently 26 and would like to start taking my 3 fund earnings by the time I am 40 and leaving the Roth until 60. Now, excuse me if this is a rookie question, bu...
by jb1
Sat Jun 10, 2017 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 2188

Re: Anyone still buying I-Bonds these days?

DaftInvestor wrote:Why do you have cash in a savings account that only makes 0.01%? Move it to one of the higher interest paying savings account at gsbank or synchrony that make over 1% if you want to hold some cash.


Thank you! This is what I was looking for.

Thanks to those who commented on the i bonds as well.
by jb1
Sat Jun 10, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 2188

Re: Anyone still buying I-Bonds these days?

Can anyone explain how to buy I bonds from vanguard? Ive been looking as a substitute since Id like to keep my money elsewhere besides the bank. To make sure Im correct, most still have a 3k minimum correct? Also what is the difference between an I bond and the vanguard total bond market which I alr...
by jb1
Fri Jun 09, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1328

Re: Keep money I'll need in the bank? Or account?

Thank you everyone for the response. Will keep it in the bank for now!
by jb1
Fri Jun 09, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1328

Re: Keep money I'll need in the bank? Or account?

For your situation, I think short, total, or intermediate bind funds are what you're looking for. You're probably looking at about 2-4% return depending on which you choose (and the interest rate environment, etc.) and the chance of losing a sizeable chunk is extremely small. Go Muni if you it make...
by jb1
Thu Jun 08, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1328

Re: Keep money Ill need in the bank? Or account?

I would not put any money in the stock market if I might need it within 10 years. Any place youd recommend to put it where it can get at least more interest than the bank? A good CD is a fine choice if you know how long it will be until you need the money. A short term bond fund can work if you are...
by jb1
Thu Jun 08, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1328

Re: Keep money Ill need in the bank? Or account?

sport wrote:I would not put any money in the stock market if I might need it within 10 years.


Any place youd recommend to put it where it can get at least more interest than the bank?