Search found 300 matches

by jmndu99
Sun Sep 03, 2017 5:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 6091

Re: Stan died [Long time forum lurker]

+1 hardly ever posters. I'm in that club. Mostly thanking others who post. I read posts hete almost everyday.


Thank you Timmy for sharing. Rest in peace Stan.

Funny! I'm listening to Bob Brinker now

J
by jmndu99
Thu Aug 10, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2017)
Replies: 6
Views: 1023

Re: madsinger monthly report (July 2017)

Thanks so much Brad
by jmndu99
Wed Jul 12, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: APR on Mortgage from 3.55% to 3.48% Good Deal?
Replies: 6
Views: 459

Re: APR on Mortgage from 3.55% to 3.48% Good Deal?

Hi jadedfalcons,

I have not inquired about fees yet. My interest rate will stay the same, its the APR that is different.
by jmndu99
Wed Jul 12, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: APR on Mortgage from 3.55% to 3.48% Good Deal?
Replies: 6
Views: 459

Re: APR on Mortgage from 3.55% to 3.48% Good Deal?

Thank you welderwannabe for giving me something to consider
by jmndu99
Wed Jul 12, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: APR on Mortgage from 3.55% to 3.48% Good Deal?
Replies: 6
Views: 459

APR on Mortgage from 3.55% to 3.48% Good Deal?

Good Evening Fellow Bogleheads, I have a mortgage with a good interest rate. I am a veteran and have a veterans loan. I have been receiving offers from other mortgage companies and the latest perked my interest. This is called an interest rate reduction loan. My interest rate is the same as this let...
by jmndu99
Sun Jun 18, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 5743

Re: Best Financial Advice from Dad (in honor of father's day)

My father was not good with money and showed (advised) me to spend it all as soon as payday came around.

I, at an older age, started doing the exact opposite of what dear ol' dad did.

Thanks Dad for slowing (advising) me what NOT to do with my money
by jmndu99
Sun May 28, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: DON'T pay off your mortgage; instead reduce Sequence of Return Risk
Replies: 206
Views: 17237

Re: DON'T pay off your mortgage; instead reduce Sequence of Return Risk

Hello thank you for this link. I do not understand most of the mechanics of the math.

I do listen to a radio program where the "guy" also stresses to not pay off the mortgage.
by jmndu99
Thu May 18, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 8512

Re: Milestone and not peeking. . .

stem.....,

I do not know you, although I have read your contributions to other posts.

I am not where you are yet, nor am I one of the "younger" folks. I am one who got started later.

Congratulations fellow bogelhead
by jmndu99
Sun Apr 16, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: Ben Carlson Drawdown Chart
Replies: 18
Views: 4279

Re: Ben Carlson Drawdown Chart

Thank you so much. More reinforcement of "Time In the Market" vs. "Market Timing"

J
by jmndu99
Tue Apr 04, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating a margin investment
Replies: 14
Views: 943

Re: Evaluating a margin investment

For a newbie, I recommend you just go to your bank, withdraw a few thousand in cash and toss it into a bonfire. Faster and less angst. I always like one good laugh out loud every day, especially if it is truthful. Thanks David Jay. +1. When I read David Jay's comment, I laughed too. Read the thread...
by jmndu99
Tue Apr 04, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to remove DELINQUENCY from credit report?
Replies: 27
Views: 2249

Re: How to remove DELINQUENCY from credit report?

OP, look at this as the price of education. The credit reporting agencies and loan departments do not care that you are such a great friend to have signed a loan to your friend.
by jmndu99
Tue Apr 04, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Remembering the Crash of 1987
Replies: 66
Views: 7060

Re: Remembering the Crash of 1987

Thank you OP,

This thread and all replies are probably the biggest " reason that I love this website.

You, who remember this experience are sharing your personal perspectives and educating the rest of us.

I thank all who have shared.

J
by jmndu99
Tue Mar 14, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Retired - Portfolio Advice, Please!
Replies: 10
Views: 1562

Re: Recently Retired - Portfolio Advice, Please!

Hello SoDakjeff,

I'm not an expert, however, the wife is still working. She still can contribute to your and her Roths.

Is it possible to get on her health insurance plan?
by jmndu99
Tue Mar 14, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: $44,000 for 1st Time Investor
Replies: 30
Views: 4604

Re: $44,000 for 1st Time Investor

I'm confused about maxing out the 401K. So, that $18,000 has to be automatically deducted from my paycheck over the course of a year? Or, since I have that money in the bank, can I just add it all at once? I got confused after speaking to a TIAA representative who said that if I add any amount that...
by jmndu99
Mon Mar 13, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: y 401k plan was completely overhauled - and I don't like it
Replies: 18
Views: 2102

Re: y 401k plan was completely overhauled - and I don't like it

Hello OP, I am sorry I'm not much help to your situation, and cannot answer your questions. However, I do have a question. If Vanguard is the Admin of the Plan, is there a feature in your plan named brokerage window? If so, could you still contribute to the Plan, directing contributions to the broke...
by jmndu99
Sat Mar 04, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating IRA Withdrawal Penalty
Replies: 12
Views: 864

Re: Calculating IRA Withdrawal Penalty

OP, did this family member come to you for assistance with this debt dilemma?
by jmndu99
Fri Feb 24, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just beginning: $40k to open taxable and IRA accounts
Replies: 21
Views: 1733

Re: Just beginning: $40k to open taxable and IRA accounts

Hello, I by no means claim that I know much about backdoor roths.

Wait for experts on backdoor roths.

My question is this:

1. OP contribute to the Roth up to max
2. Then Couldn't OP contribute to non deductible IRA with the rest of the money, then backdoor Roth it?
by jmndu99
Sun Feb 12, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: PC power-up failure
Replies: 38
Views: 2694

Re: PC power-up failure

One question not asked is, how old is this power supply? I recently had a 10 year old power supply give up the ghost.

Replacing it gave me incentive to purchase new/more powerful mobo, cpu and memory to replace same components that were also 10 years old.

Best wishes
by jmndu99
Wed Feb 08, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 59
Views: 7226

Re: Two-Fund Portfolio Role Call

Jiu Jitsu Fighter wrote:VSIAX Small-Cap Value
VFSVX Small/Mid-Cap ex-US



Nice. Fortitude required.
by jmndu99
Wed Feb 08, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall, but need to withdraw
Replies: 9
Views: 1190

Re: Windfall, but need to withdraw

+1 to i <3Investing

It looks like this; of $500,000.00. You need $228,000.00 for Mrs. to stay home.

That is your "safe" money.
The difference (still a sizeable amount) is either dca or lump sum into the market per your allocation.

Best wishes
J
by jmndu99
Mon Feb 06, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Late start but learning, next step?
Replies: 10
Views: 1546

Re: Late start but learning, next step?

Welcome,

Please see this viewtopic.php?t=6212


Posting the way that link advises is the best way to get advice.

Best wishes
by jmndu99
Mon Feb 06, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 10916

Re: A note of caution from Robert Shiller

Is this piece written for someone who invests exclusively in the Dow (30) stocks?
by jmndu99
Sat Feb 04, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2960
Views: 866626

Re: What Movie Have You Recently Watched?

Hillary's America and The Inside Job.
by jmndu99
Mon Jan 30, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Stocks Down - My Fault
Replies: 26
Views: 4298

Re: Stocks Down - My Fault

Thank you for selling to me at a lower price.
by jmndu99
Sun Jan 29, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 4115

Re: Humble brag finally got admiral shares in taxable account

Congratulations OP.

I'm not there yet in my taxable account but will get there.

You've come to the right place to humbly brag. A milestone is a milestone
by jmndu99
Wed Jan 25, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC & Reforms
Replies: 11
Views: 1825

Re: Jack Bogle on CNBC & Reforms

Interesting. Obviously the causal mechanism is the key. Does buying ETFs make you prone to irrational behavior? Or do people who are prone to irrational behavior buy ETFs? As one who has a number of ETFs, this is good food for thought. I've felt no urge to trade more frequently with ETFs vs. mutual...
by jmndu99
Wed Jan 25, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: A Special Vanguard Fund
Replies: 17
Views: 2838

Re: A Special Vanguard Fund

Happy Birthday Taylor. Thanks for your service in WWII and here.

I'm guessing the Vanguard S&P 500 index fund.

Semper Fi!

J
by jmndu99
Wed Jan 25, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2789

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

I still don't get it though. Maybe someone can walk me through the process of seeing it based on my information? If I can lower my marginal rate to -15% from +15% (based on a tax break of 30%), I'll take it as will most of us. I must be missing something. No one is saying that you can lower your ma...
by jmndu99
Wed Jan 25, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2789

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

https://www.bogleheads.org/forum/viewtopic.php?p=1247382#p1247382 Thanks for this jebmke, I still don't get it though. Maybe someone can walk me through the process of seeing it based on my information? If I can lower my marginal rate to -15% from +15% (based on a tax break of 30%), I'll take it as...
by jmndu99
Tue Jan 24, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2789

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

Hello all, Please help me understand this. I am now in the 15% marginal tax bracket due to marriage. I was in 25% bracket before marriage. Before marriage, I contributed to a tIRA to save on taxes. Now, as married, I contribute to Roth IRA. How do I save 30%? Does someone have a picture that depicts...
by jmndu99
Mon Jan 23, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: my annual lessons the markets taught series, part 1
Replies: 8
Views: 1963

Re: my annual lessons the markets taught series, part 1

Thank you Mr. Swedroe. Lesson 2 really drove home the notion that "time in the market" is more important than timing the market. Lesson 3 reminded me that, during the beginning of the year market did nothing really exciting (my opinion), I continued to add to my pot, during the events that...
by jmndu99
Sat Jan 21, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5790

Re: Instant Pot - your favorite uses?

TRC wrote:They recently legalized pot here in MA. I haven't tried "instant pot" before. What's it like?


This is great!
by jmndu99
Mon Jan 16, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 17
Views: 1371

Heavy duty cordless drill/hammerdrill recommendation

Hello all, I work in the trades and use a drill/hammerdrill on the job in the Midwest. All times of year. All types of weather. I now have a Dewalt 18 volt cordless with 2 batteries. It's approx 6 months old. It leaves much to be desired. I use it to drill holes from 1/4" to 1/2" holes usi...
by jmndu99
Wed Jan 11, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 18648

Re: Best Financial Moves You've Made

Brown bagging lunch is the best financial made.

Bringing lunch from home was the springboard to educating myself (with assistance of this site) on saving, investing, spending, living below my means.

Best wishes
by jmndu99
Tue Jan 10, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Tax Question
Replies: 9
Views: 1199

Re: Inheritance Tax Question

... What type of tax implications did I just unleash on myself? Thanks! Welcome luderiffic, Sorry for your loss. As another poster stated, you will get a step up in basis of price of shares on the date of grandmother's death. From the day of grandmother's death to day of sell: 1, the share price we...
by jmndu99
Wed Jan 04, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: "Vanguards Investment Tips For 2017"
Replies: 14
Views: 2829

Re: "Vanguards Investment Tips For 2017"

Thank you for posting Taylor,

I for one am looking forward to volatility. The chance to buy shares on sale is a wonderful thing.

James
by jmndu99
Wed Jan 04, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2016)
Replies: 13
Views: 2430

Re: madsinger monthly report (December 2016)

Thanks again Brad.

Happy healthy and prosperous New Year

James
by jmndu99
Tue Jan 03, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Sell tIRA mm funds to Roth IRA mm fund Question
Replies: 6
Views: 405

Re: Sell tIRA mm funds to Roth IRA mm fund Question

It sounds like you're doing an exchange from Traditional IRA to Roth IRA which is a Roth conversion. There should not be a 10% early withdrawal penalty. However the system may recognize this as a Roth conversion and ask if you would like to withhold taxes. It is best not to withhold taxes as the ta...
by jmndu99
Tue Jan 03, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Under 50 please read regarding social security
Replies: 4
Views: 1167

Under 50 please read regarding social security

Good afternoon, I have come across this article by asset builder Scott Burns regarding changes to our social security benefits. Quite alarming Social Security Reform: If You’re Under 50, Watch Out [link fixed by admin LadyGeek, see below] I have been using social security to plan my investments. I m...
by jmndu99
Tue Jan 03, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Sell tIRA mm funds to Roth IRA mm fund Question
Replies: 6
Views: 405

Re: Sell tIRA mm funds to Roth IRA mm fund Question

Rainmaker41 wrote:https://personal.vanguard.com/us/insights/guide/tips-rothira-conversion



Thank you Rainmaker41. I'll take a look at this from my desktop
by jmndu99
Tue Jan 03, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Sell tIRA mm funds to Roth IRA mm fund Question
Replies: 6
Views: 405

Re: Sell tIRA mm funds to Roth IRA mm fund Question

obafgkm wrote:What does "mm" mean?


Money Market
by jmndu99
Tue Jan 03, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Sell tIRA mm funds to Roth IRA mm fund Question
Replies: 6
Views: 405

Sell tIRA mm funds to Roth IRA mm fund Question

Good morning everyone, I would like to exchange the funds in my tIRA mm to my Roth IRA mm fund. When I begin the exchange on the website I get to go to vanguard.com to complete the transaction. I'm using the vanguard app. If i perform a sell transaction i get a warning about a 10% penalty due to my ...
by jmndu99
Fri Dec 30, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: Brokers Make You Broker - an interactive chart complements of Rick Van Ness
Replies: 9
Views: 1594

Re: Brokers Make You Broker - an interactive chart complements of Rick Van Ness

Op thanks for posting.

I'm interested but the link is not loading for me.

I'm using my phone with chrome browser.

The address www.financinglife.org is not loading either

Thank you
by jmndu99
Thu Dec 29, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Question About After-Tax Mega-Backdoor Roth 401K Contributions
Replies: 16
Views: 1958

Re: Question About After-Tax Mega-Backdoor Roth 401K Contributions

Hello, I have done this for a few years now: I have contributed the max to my tIRA. I have contributed the max to my t401k with my employer. After hitting the max in my t401k, I continued to contribute after-tax to my t401k. At the end of the year, I would call up the custodian and ask that they do ...
by jmndu99
Thu Dec 29, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Question About After-Tax Mega-Backdoor Roth 401K Contributions
Replies: 16
Views: 1958

Re: Question About After-Tax Mega-Backdoor Roth 401K Contributions

Hello, I have done this for a few years now: I have contributed the max to my tIRA. I have contributed the max to my t401k with my employer. After hitting the max in my t401k, I continued to contribute after-tax to my t401k. At the end of the year, I would call up the custodian and ask that they do ...
by jmndu99
Wed Dec 28, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Must I fund my Roth before January?
Replies: 4
Views: 691

Re: Must I fund my Roth before January?

I am opening my first Roth IRA, with vanguard. Am I correct that I must open the account prior to the end of this year if I want to contribute money for 2016? As this is a brand new account, must I also fund my Roth before January 1, to count as a 2016 contribution? Fund it by April 18, 2017 (Tax D...
by jmndu99
Sat Dec 24, 2016 4:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8513

Re: My Christmas Gift to You.

Merry Christmas Mr. Larimore.

Your post reminds us what Valor means. Thank you for the fight you gave so that we and others may live free.

May God bless you and family Sir.

Hooo Ahhhh
by jmndu99
Sat Dec 24, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bogle backfire?
Replies: 81
Views: 13391

Re: Bogle backfire?

I appreciate posts like this as I think it will help newer investors answer the eternal question of what is the difference between speculation vs. investing. Harry Browne of PP fame nicely worded in his books that investing is when one is trying to get their fair share of returns that everyone else...
by jmndu99
Sat Dec 24, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Whole life ins. Co. Asks about bankruptcy. questions
Replies: 22
Views: 2384

Re: Whole life ins. Co. Asks about bankruptcy. questions

Good Morning all, Thank you for all your replies. Admittedly, I don't know much about life insurance. I understand that whole life is not for me (at this time). I will look read up on term life. I am very grateful that there are always fellow Bogle heads who have done this before me and who are will...