Search found 127 matches

by jb1
Thu Oct 19, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Thoughts on BONDS and REITS?
Replies: 12
Views: 947

Re: Thoughts on BONDS and REITS?

Id personally rather own RE than a REIT
by jb1
Wed Oct 18, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 3407

Re: anhybody buying bitcoin

I have BTC, LTC, and ETH. about 6k spread out total. Will check again in 2022.
by jb1
Fri Oct 13, 2017 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Diversify IRAS?
Replies: 3
Views: 156

Diversify IRAS?

Hey all, currently have a Roth IRA through Vanguard that told TR 2060 with around 19k in it. My job recently implemented a SIMPLE Ira. I'm going to put $200 a month in and employer will match 100% of it. Currently i have my holding in their form of TR 2060, so essentially the same as my Vanguard Rot...
by jb1
Fri Oct 13, 2017 6:48 am
Forum: Investing - Theory, News & General
Topic: Bitcoin: What is it, in Plain English
Replies: 110
Views: 16217

Re: Bitcoin: What is it, in Plain English

Imagine if someone bought $100 worth when this thread started
by jb1
Thu Oct 12, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 1571

Re: $5.5K to invest - best strategy

If you have $5.5K to invest at the end of the year (ie. nowish), would you throw it into a Roth IRA or buy 1 Bitcoin and 1 Etherium? I signed up for Coinbase, linked my bank account, verified ID etc. but so far chickened out to buy any cryptocurrency. I probably wouldn't notice either way, as I hav...
by jb1
Thu Oct 12, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 1571

Re: $5.5K to invest - best strategy

If you have $5.5K to invest at the end of the year (ie. nowish), would you throw it into a Roth IRA or buy 1 Bitcoin and 1 Etherium? I signed up for Coinbase, linked my bank account, verified ID etc. but so far chickened out to buy any cryptocurrency. I probably wouldn't notice either way, as I hav...
by jb1
Sun Oct 01, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 14
Views: 2150

Re: REIT Magazine

Im the same way, would definitely rather own actual property.
by jb1
Thu Sep 28, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA through my work
Replies: 13
Views: 408

Re: Simple IRA through my work

If I can roll it to my Roth IRA that would be great You can not rollover to a Roth IRA or any other account prior to 2 years from first contribution. Any withdrawals before then will be subject to a 25% early withdrawal penalty and not be eligible for rollover. What if I leave the company in 6 mont...
by jb1
Thu Sep 28, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA through my work
Replies: 13
Views: 408

Re: Simple IRA through my work

Perhaps its just better to leave what I have now in my Roth/3 fund and not even worrying about the Simple IRA.
by jb1
Thu Sep 28, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA through my work
Replies: 13
Views: 408

Re: Simple IRA through my work

If the plan was set up using a form 5305, you are required to use the financial institution they provided. If it's a 5304, you can choose your own institution. I ran into a similar thing at my workplace and did all of the paperwork to set up a SIMPLE for myself with Vanguard, at no cost to the empl...
by jb1
Thu Sep 28, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA through my work
Replies: 13
Views: 408

Re: Simple IRA through my work

Here...I found the post mentioning that rollover. It looks like you can roll it over after 2 years from your first post...and I think you can continue to roll it over. https://www.bogleheads.org/forum/viewtopic.php?t=131458 It depends on how close you are to the business owner...as to whether you c...
by jb1
Thu Sep 28, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA through my work
Replies: 13
Views: 408

Simple IRA through my work

Hey all My job recently implemented a Simple IRA for us. Now I think the idea is great, they match up to 100% (3% of annual salary, so for me thats about 1200 theyd match). Im looking at the funds and the ER is incredibly high. The lowest ER is .58 for a Money Market Bond Fund and going as high as 4...
by jb1
Wed Sep 27, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

Re: I have an idea I want to bring to market

Earl Lemongrab wrote:
Wed Sep 27, 2017 4:52 pm
Perhaps I don't fully understand your proposal, but it sounds to me like it's a derivative of an existing product. Would that even be able to be patented?
Thats what Im saying, basically I want to take the notebook that Rite in Rain has and make them sport specific.
by jb1
Wed Sep 27, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

Re: I have an idea I want to bring to market

1) What does customizing the design mean? Are these functional elements being added or just the look (i.e., cover design)? Does it change how a user would interact with it? 2) Could you get a meeting to discuss your ideas with the company under a non-disclosure agreement? If they are willing to sig...
by jb1
Wed Sep 27, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

Re: I have an idea I want to bring to market

I tend to think most ideas are bad until proven good, so we should find the cheapest and fastest ways to prove an idea is bad before investing more time and effort. I this case it's probably easier and cheaper to test the notebook concept than to get a patent. You could probably rip up some Rite in...
by jb1
Wed Sep 27, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

Re: I have an idea I want to bring to market

I tend to think most ideas are bad until proven good, so we should find the cheapest and fastest ways to prove an idea is bad before investing more time and effort. I this case it's probably easier and cheaper to test the notebook concept than to get a patent. You could probably rip up some Rite in...
by jb1
Wed Sep 27, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

Re: I have an idea I want to bring to market

Ugh thank you all for the responses. 10-40k for a patent is just way too out of my league. In fact, its ridiculous.
by jb1
Wed Sep 27, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

Re: I have an idea I want to bring to market

investor4life wrote:
Wed Sep 27, 2017 11:33 am
George Foreman swears by inventhelp.com.
haha such bs
by jb1
Wed Sep 27, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

Re: I have an idea I want to bring to market

This is where I am confused, ok so we talk to an attorney, what exactly are we protecting if we dont have a prototype? You're protecting the unique idea that you have that no one else has. You probably already have a prototype if you've been customizing notebooks to fit your coaching needs. The key...
by jb1
Wed Sep 27, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

Re: I have an idea I want to bring to market

Sounds like if you want to actually make money instead of them just taking your idea as "customer feedback" then you'll want a patent. We coach outside and believe this would solve problems for fellow coaches, so essentially yes make money :p. But first solve the problem that is present. Start by t...
by jb1
Wed Sep 27, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1717

I have an idea I want to bring to market

Hey guys, This is mainly an advice topic, as I am 100% confused of the process. My friend and I are looking to bring a customized notebook to market. We have a "design" that we poorly drew out. Now, how the heck do we get started on this? There is a company called "Rite in the Rain" that we would ev...
by jb1
Mon Sep 25, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question
Replies: 8
Views: 430

Re: Roth IRA question

ruralavalon wrote:
Mon Sep 25, 2017 10:43 am
What is your tax bracket, both federal and state?

What funds do you have in your taxable account, in what amounts?
I unfortunately make peanuts. 15% tax bracket. I make about 40k a year, just have been really good at saving

In my lazy 3 I have

VTSAX (TSM): 24k
VTIAX (TISM): 9k
VBMFX (TBM): 2k
by jb1
Mon Sep 25, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question
Replies: 8
Views: 430

Re: Roth IRA question

I guess just something to in place of the REIT. No real reason in particular Why not just sell the REIT and put it in the target fund, then, if there is no reason for it? You pay extra expenses for a target retirement fund vs. holding the individual components separately but there is no effort invo...
by jb1
Mon Sep 25, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question
Replies: 8
Views: 430

Re: Roth IRA question

Here's what your target retirement fund holds: 1 Vanguard Total Stock Market Index Fund Investor Shares 54.2% 2 Vanguard Total International Stock Index Fund Investor Shares 35.9% 3 Vanguard Total Bond Market II Index Fund Investor Shares† 7.0% 4 Vanguard Total International Bond Index Fund Investo...
by jb1
Mon Sep 25, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question
Replies: 8
Views: 430

Roth IRA question

Hey All Currently in my Roth I have Target Retirement 2060 (8k in it about) as well as VGSIX REIT (8k in it). I made a thread the other day questioning if a REIT was really worth it as it seems to be super volatile. I always wanted to get the S&P index fund (VFINX) since of course its great to track...
by jb1
Sat Sep 23, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1193

Re: Why use a REIT over a rental property?

livesoft wrote:
Sat Sep 23, 2017 11:41 am
jb1 wrote:
Sat Sep 23, 2017 11:37 am
Why would REIT not be buy and hold?
Because
Its extremely volatile, one housing bubble and can drop 50-75%. All for a 4% dividend? I have 8k in it.
haha touche
by jb1
Sat Sep 23, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1193

Re: Why use a REIT over a rental property?

1. REIT fund does not require me to be a landlord. 2. It is trivial to notice that REIT fund has dropped and needs rebalancing. 3. It is trivial to notice that REIT fund has gone way up and needs rebalancing. 4. It is trivial to then do that rebalancing. If you are buy-and-hold, then a REIT fund is...
by jb1
Sat Sep 23, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1193

Re: Why use a REIT over a rental property?

1. REIT is less work. Do you want to deal with finding property? Managing tenants? Middle of the night phone calls? 2. I don't know where you live, but I am not aware of any place where you can invest 8K and get 800-1000. Usually for investment property you have to put 25% down. Can you buy a prope...
by jb1
Sat Sep 23, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 44
Views: 5371

Re: $3.6 million at age 25 - need investment advice

Hoping to make it with ethereum bitcoin and litecoin. Will check back in 5 years.
by jb1
Sat Sep 23, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1193

Why use a REIT over a rental property?

Been thinking about this for a while. I have VGSIX in my Roth IRA, but what is the purpose of it? Its extremely volatile, one housing bubble and can drop 50-75%. All for a 4% dividend? I have 8k in it. Rental properties on the other hand require a downpayment. (Can use 8k from VGSIX) and can bring m...
by jb1
Fri Aug 25, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 214
Views: 25320

Re: What is Bitcoin?

Just bought $600 worth of bitcoin. Plan on buying $1k a month.

Risk vs reward. I need to make it big.
by jb1
Sat Aug 12, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 17
Views: 1954

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: 1954

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: 437

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: 437

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: 3967
Views: 1054424

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: 2433

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: 30
Views: 2197

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: 3242

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: 3242

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: 5393

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: 1169

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: 5393

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: 30629

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: 553

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: 4989

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: 4989

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: 1213

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: 8837

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...