Search found 196 matches

by jadd806
Fri Jul 06, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 3467

Re: Do you count pension contributions as a portion of your overall retirement contributions.

I am a government employee with a pension under FERS. I count my contributions as savings. I count the total that I have contributed into my pension towards my net worth, since if I left my job I am eligible to roll over all of my contributions into an IRA. I do not count the government's contributi...
by jadd806
Fri Jul 06, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5047

Re: Every Other Friday Off

Pretty much everybody in my area at work (there's like 10 of us) does something like that schedule. A couple of us like me basically do that but take a half-day every Friday instead of every other Friday off. Sometimes I wonder about transitioning back to a 5x8 workweek instead because I think it w...
by jadd806
Fri Jul 06, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5047

Re: Every Other Friday Off

After working the 9/80 schedule for a few years I ulimately don't think that it was worth it. I find the extra hour per day of free time far more valuable than the day off every 2 weeks. The days felt a lot more rushed and stressful when I was on 9/80 and it kind of forces you to "live for the weeke...
by jadd806
Fri Jun 29, 2018 6:52 am
Forum: Investing - Theory, News & General
Topic: Heavy in equities?
Replies: 46
Views: 4680

Re: Heavy in equities?

That data in the link in the OP only goes back to the 70s, so it is interesting that you don't have faith in historical data yet are quoting an article that uses a relatively short period of historical data. This article is contrary to what I've seen. Affirmation bias? The portfolio that has the hi...
by jadd806
Thu Jun 28, 2018 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 9654

Re: Stocks vs. rental property

There's nothing wrong with real estate ... But please stop using San Francisco Bay Area examples when you guys have no idea what it's like there. For example, guessing that you can get $8K-$10K/mo rent on a 1.5M house when the real number is $5K-$6K/mo. And stop assuming you COULD have bought back ...
by jadd806
Tue Jun 26, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 6945

Re: Family dynamics/in laws/am I being petty?

One way to make them aware of the disparity is to try and outspend your in-laws to where splitting the bill would be to your advantage (getting the large filet mignon, or the lobster, or the expensive individual drink, with several appetizers, plenty to take leftovers home). If they indeed are obli...
by jadd806
Tue Jun 26, 2018 6:11 am
Forum: Investing - Help with Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 65
Views: 5566

Re: [100% stock, uncomfortable with international]

I never understood the argument that "US companies already have a strong foreign presence so they will follow economic performance in those countries over the long haul". Just because a company participates in a market, does not make an excuse to not own all stocks in that market. Is it really wise...
by jadd806
Tue Jun 26, 2018 5:58 am
Forum: Investing - Help with Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 65
Views: 5566

Re: [100% stock, uncomfortable with international]

US companies have revenue globally. So you can get around without owning Int'l stocks. But I choose to have Int'l equity because there are many great companies outside of US, such as Shell, Samsung, VW, etc. International companies have revenue globally. So you can get around without owning US stoc...
by jadd806
Tue Jun 26, 2018 5:56 am
Forum: Investing - Help with Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 65
Views: 5566

Re: [100% stock, uncomfortable with international]

Just because you can buy international stocks doesn’t mean you should. Diversification has its risks if you are buying things that are unfamiliar. Do you travel as much as other Bogleheads? There is also a very real risk of dramatically underperforming with international stocks (and bonds). It seem...
by jadd806
Mon Jun 25, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 9654

Re: Stocks vs. rental property

I’m an active real estate investor. Generates nice cash flow, and pays me several different ways (appreciation, debt paydown by tenants, tax writeoff from depreciation, monthly positive cashflow, etc). However, I would advise against investing in the Bay Area. Prices are just way too high , and the...
by jadd806
Mon Jun 25, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 9654

Re: Stocks vs. rental property

I’m an active real estate investor. Generates nice cash flow, and pays me several different ways (appreciation, debt paydown by tenants, tax writeoff from depreciation, monthly positive cashflow, etc). However, I would advise against investing in the Bay Area. Prices are just way too high , and the...
by jadd806
Wed Jun 20, 2018 5:41 am
Forum: Forum Issues and Administration
Topic: Is there a way to block someone?
Replies: 22
Views: 3112

Re: Is there a way to block someone?

Would love a way to block or ignore someone on Bogleheads so their posts don't appear. This one guy keeps preaching about real estate and I'd really love to just filter that out. Funny, I expressed this exact sentiment in another thread a few months ago. The user in question attemps (and usually su...
by jadd806
Mon Jun 18, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5289

Re: A vehicle that "sits up" but can't afford CRV

Amusing how all the people who seem to be obsessed with sitting up high always seem to be tailgaters. They feel the need to "see over" the vehicles in front of them because they're so close that the vehicle in front would otherwise comprise a good 1/3 of their total visual area. Maintaining a safe ...
by jadd806
Mon Jun 18, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1763

Re: One handed Android phone?

Google Keyboard for Android has a one-handed mode. So does SwiftKey. They shrink the keyboard so your thumb doesn't have to traverse the whole width of the phone to reach all of the keys. I find this to be a good compromise over buying a smaller phone, since I still have the bigger screen for when ...
by jadd806
Mon Jun 18, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1763

Re: One handed Android phone?

Google Keyboard for Android has a one-handed mode. So does SwiftKey. They shrink the keyboard so your thumb doesn't have to traverse the whole width of the phone to reach all of the keys. I find this to be a good compromise over buying a smaller phone, since I still have the bigger screen for when I...
by jadd806
Mon Jun 18, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5289

Re: A vehicle that "sits up" but can't afford CRV

Since you're on a budget, I'd consider a Civic/Corolla. Sitting up high is overrated. You get more car for your money (newer, lower miles) this way and everyone wants SUV's so they are more expensive. Agreed, when on a budget I'd rather have a newer sedan of a more reliable make with more modern sa...
by jadd806
Wed May 23, 2018 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Help with international using MSCI Indexes.
Replies: 14
Views: 1011

Re: Help with international using MSCI Indexes.

Culbretd, You don't just need emerging markets. You are also missing international small cap. See this thread for some helpful guidance: https://www.bogleheads.org/forum/viewtopic.php?t=208490. The Thift Savings Plan's I Fund tracks the MSCI EAFE, so the methodology in that thread should be identica...
by jadd806
Fri May 18, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1181

Re: Quadcopter Drone anybody? - for beginner

I can't chime in with a recommendation but I'm interested to know the level of difficulty in flying one of these. I used to have a small R/C helicopter but never could get the hang of it. On average flying a quad is much, much easier. Anything around the $50+ price point should have a hover mode wh...
by jadd806
Fri May 18, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1181

Re: Quadcopter Drone anybody? - for beginner

I would recommend the RYZE Tello: https://store.dji.com/product/tello The drone is $100, plus a controller and some spare batteries would have you all-in for less than $200. It works well for indoor flights and can be used outside in low winds. The Tello is a fun toy on its own and can also be a goo...
by jadd806
Mon May 14, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Are bonds really needed - why not 100% stocks?
Replies: 71
Views: 5703

Re: Are bonds really needed - why not 100% stocks?

What do you mean by 100% stocks? 100% SP500? If your reasoning for being 100% stocks is because over history, it has performed significantly better than bonds, then you should consider not getting rid of your bonds and using a different asset allocation. https://paulmerriman.com/wp-content/uploads/...
by jadd806
Thu May 03, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house and High tax state.. Does it make sense anymore??
Replies: 28
Views: 2285

Re: Buying a house and High tax blue state.. Does it make sense anymore??

Your landlord has to pay the same taxes. You just pay them on his behalf in terms of ever rising rent prices. Tax rates are relatively stable over time. Interest rates are still low. This sounds like the same FOMO, market-pumping schtick spouted by people who watch HGTV all day. Tax rates are highl...
by jadd806
Thu Apr 26, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 2336

Re: Help! Nephew is asking for college advice (undergrad choices)

Purdue Engineering grad here. Purdue accepts a lot more students into engineering than graduate with engineering degrees. Entering students are accepted into the engineering program. They undergo a rigorous freshman year before applying to a particular engineering discipline. A freshman engineering...
by jadd806
Fri Apr 20, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3813

Re: Good Dad, Bad Dad

Somebody said that he shouldn't work in college but should focus on his studies. I'm sort of torn on that. He's not going to have to take a heavy load, and he's going to a pretty average sort of university. I'm guessing his IQ will be in the upper 20% on campus. I think he can handle the academics ...
by jadd806
Tue Apr 17, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Too much rent?
Replies: 21
Views: 2013

Re: Too much rent?

Any reason you're looking for a house rather than a 1 or 2 bedroom apartment? Looking at the numbers, you'd be spending roughly 20% of your gross income on housing. I think that is a bit high, although not unreasonable if you feel that would allow you to meet your other financial goals. When we were...
by jadd806
Sun Apr 15, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 13052

Re: What is your AA, given your age? and, Why?

100% stocks at age 24. My monthly contributions to various accounts total about 5% of my portfolio currently. Therefore my contributions serve as an effective volatility damper, so I believe bonds would be redundant at this stage. Once the scale starts to tip towards market volatility outweighing my...
by jadd806
Fri Apr 13, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 13212

Re: Work Commute: How far is too far?

I commute over 80 miles each way . It takes me 1.25 hours in the morning, and 1.25-1.75 hours in the afternoon depending on traffic. I've been doing this for nearly 3 years. Honestly, it sucks. Spending 3 hours of your life in the car every day is mentally draining. Even though my job is mostly stre...
by jadd806
Fri Apr 13, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 9198

Re: Why am I even holding BND? It has only been losing me money.

BND has a duration of approximately 6 years; if your time horizon is longer than 6 years, there's no reason to be concerned. I read that frequently up and may not understand why. I am guessing a good majority of us here are in the accumulation phase and contributing regular to our retirement accoun...
by jadd806
Mon Apr 09, 2018 8:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 13400

Re: Too much Bogleheads.org?

Yes, it has definitely subsided for me. I started reading Mr. Money Mustache and Bogleheads when I was in college. But I had no money to invest at the time, so I was casually reading and storing the info away for later. When I graduated and got a "real job" in 2015 and actually had money to invest, ...
by jadd806
Tue Apr 03, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Any seasoned advisors to discuss best sectors/mutual funds for market out-performance?
Replies: 93
Views: 5398

Re: Any seasoned advisors to discuss best sectors/mutual funds for market out-performance?

livesoft wrote:
Tue Apr 03, 2018 11:46 am
I'll say one sector not to invest in until further notice is the REIT index such as VNQ / VGSIX.
Can you elaborate on this, livesoft? Is it because you think real estate is looking bubbly again or something else? Always appreciate your insights.
by jadd806
Thu Mar 29, 2018 10:04 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 20095

Re: A lot of heavy hitters this morning

Not to sound preachy, but maybe focus less on what you don’t have or how it’s impossible for you to save these numbers and attack someone trying to help, and dust off your dream or idea instead and get to working it. The amount of people I come across that have made it just worked hard and pursued ...
by jadd806
Thu Mar 29, 2018 9:58 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 20095

Re: A lot of heavy hitters this morning

@ davidsorensen32 -- This post of yours did come across as very disconnected. The fraction of couples (or households) earning 200K+ is fairly small. I would venture that it is likely to be less than 5% in the US. Less than 7% to be exact. I think there is a significant danger of us losing sight of ...
by jadd806
Thu Mar 29, 2018 8:51 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 20095

Re: A lot of heavy hitters this morning

Not to sound preachy, but maybe focus less on what you don’t have or how it’s impossible for you to save these numbers and attack someone trying to help, and dust off your dream or idea instead and get to working it. The amount of people I come across that have made it just worked hard and pursued ...
by jadd806
Sun Mar 25, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5618

Re: Anxious about age, career, and housing costs

To all the “house is a bad investment” people, the best investment I ever made was buying a house in Seattle in 2013. Four years of mortgage payments that were less than the rent on comparable places, then a $300k profit when we moved out of town. I wish all of my investments worked out so well. Ho...
by jadd806
Wed Mar 21, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: We made the right decision to not purchase a home now, right?
Replies: 47
Views: 4247

Re: We made the right decision to not purchase a home now, right?

OP, I have a different opinion. From your quote, it seems that the house and location is excellent with high probability to accelerate over time. If your income is stable and likely to increase I would suggest to buy the house - you dont have a kid yet and it will be difficult to get the house at s...
by jadd806
Wed Mar 21, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: We made the right decision to not purchase a home now, right?
Replies: 47
Views: 4247

Re: We made the right decision to not purchase a home now, right?

OP, I have a different opinion. From your quote, it seems that the house and location is excellent with high probability to accelerate over time. If your income is stable and likely to increase I would suggest to buy the house - you dont have a kid yet and it will be difficult to get the house at s...
by jadd806
Thu Mar 01, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: What kind of desktop computer should I buy?
Replies: 49
Views: 4382

Re: What kind of desktop computer should I buy?

I would only buy an i7 processor. They are cheap after being around for over a decade now. Ignoring the fact that the OP was looking in the $350 price range and an i7 would use most or all of that budget for just the CPU, an i7 is completely unnecessary for 99% of end users. i7 is a brand, not a sp...
by jadd806
Thu Mar 01, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: What kind of desktop computer should I buy?
Replies: 49
Views: 4382

Re: What kind of desktop computer should I buy?

Get a Puget Custom Computer machine (PCC; just google them). I have a Serenity model. It's called Serenity because it's designed to run quietly and cool. It does. Get it with 1 or 2 solid state drives (no spinners). The only moving part is the case fan. Call them and they will help you build it to ...
by jadd806
Tue Feb 27, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 13212

Re: How Far is to Far, Commuting?

Deleted for privacy.
by jadd806
Thu Feb 22, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 82
Views: 10164

Re: Do you rent even if you can afford to buy?

I also tell my kids not to buy heavy 'heirloom' furniture for the same reasons. Buy something cheap that you can sell on craigslist so you don't have to move a bunch of stuff. I wish I knew this before my girlfriend and I got our first apartment together. Her parents gave us some old solid wood fur...
by jadd806
Wed Feb 14, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 113
Views: 8472

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

One does not need to "make a case" for a 50% international allocation. You can't get more passive than just taking the entire world of investable equities at market cap weight. Those who choose to make an active bet and significantly overweight the US in their portfolio are the ones who need to mak...
by jadd806
Wed Feb 14, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 113
Views: 8472

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

One does not need to "make a case" for a 50% international allocation. You can't get more passive than just taking the entire world of investable equities at market cap weight. Those who choose to make an active bet and significantly overweight the US in their portfolio are the ones who need to mak...
by jadd806
Wed Feb 14, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 113
Views: 8472

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

One does not need to "make a case" for a 50% international allocation. You can't get more passive than just taking the entire world of investable equities at market cap weight. Those who choose to make an active bet and significantly overweight the US in their portfolio are the ones who need to make...
by jadd806
Wed Feb 14, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 5050

Re: Random conversations regarding money

No, he absolutely believes that $12k becomes $500k, because he got into California real estate and did very well, where leveraging $30k to buy a $300k house quickly makes you $500k when the $300k house is worth $800k three years later, and where rental income is very high. I'll go ahead and give Wa...
by jadd806
Mon Feb 12, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4813

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

To be fair, L.L. Bean somewhat encouraged this practice by proudly displaying in their Maine store an old pair of boots that they had resoled a ridiculous number of times. No they didn't. Resoling is a service that they charge $40 for, not a part of their lifetime guarantee since soles are consumab...
by jadd806
Fri Feb 09, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons to underweight foreign stocks?
Replies: 42
Views: 2400

Re: Reasons to underweight foreign stocks?

I don't mean to beat a dead horse, but what are good and rational reasons to underweight foreign stocks in a portfolio from global market cap weighting (for U.S. investors)? None of the reasons I have seen for avoiding international investing hold up to a simple logic test. IMO, the most common rea...
by jadd806
Fri Feb 09, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons to underweight foreign stocks?
Replies: 42
Views: 2400

Re: Reasons to underweight foreign stocks?

I don't mean to beat a dead horse, but what are good and rational reasons to underweight foreign stocks in a portfolio from global market cap weighting (for U.S. investors)? None of the reasons I have seen for avoiding international investing hold up to a simple logic test. IMO, the most common rea...
by jadd806
Fri Feb 09, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons to underweight foreign stocks?
Replies: 42
Views: 2400

Re: Reasons to underweight foreign stocks?

The best reason that I have seen is simply that it is not necessary to hold foreign stocks, for various reasons. Your investing results may be similar either way. Another reason that it is not necessary is that many large U.S. companies are essentially multinational. Many international companies de...
by jadd806
Thu Feb 08, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Best Funds for Roth IRA
Replies: 4
Views: 912

Re: Best Funds for Roth IRA

Hello Bogleheads, I have a question with regards to roth-IRA fund suggestions. I know in a taxable account, one has to be very cautious with the funds that they choose in order to minimize taxes. Therefore it is a good idea to pick funds with a low turnover, tax efficient, low dividend paying, low ...
by jadd806
Wed Feb 07, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Stealing from the kids for our retirement [High valuations => depressed future returns expectations]
Replies: 54
Views: 5799

Re: Stealing from the kids for our retirement

KlangFool wrote:
Tue Feb 06, 2018 10:29 pm
OP,

The younger generation does not earn enough to save money. Much less buying stock.

KlangFool
Kind of a silly generalization, don't you think?

I'm 24 and saving over 50%.

Most millenials earn enough to save. They just choose not to.
by jadd806
Tue Feb 06, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 5107

Re: Where Are The 100% Equity Bulls? BND up .44%

MrPotatoHead wrote:
Mon Feb 05, 2018 11:28 pm
Is there some sort of point to this thread other than a sophomoric attempt to ridicule people who do not follow your investment methodology? If there is, I clearly missed the substance of it.
They're upset that they can't sit at the cool kids' table.