Search found 128 matches

by jadd806
Fri Jan 19, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 53
Views: 2477

Re: How do you adjust side mirrors in a car?

I don't understand why many cars change lane very close to the front of my car and I have to hit the brake to slow down to maintain safe distance but they seem don't notice. I guess they change lane using only mirror. There is a notice on many mirrors "Objects in mirror are closer than they appear....
by jadd806
Thu Jan 18, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?
Replies: 34
Views: 2088

Re: TSP's F Fund outperforms the G Fund, so why is the G Fund favored?

The G Fund is one of the only "free lunches" around. Unlike the F Fund, the G Fund has no credit risk, no duration risk, and is subject only to upward volatility. It's essentially cash with the yield of an intermediate term bond fund. Investors may hold "less" of the G Fund to achieve the same level...
by jadd806
Thu Jan 11, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 87
Views: 10737

Re: IRS announces new withholding tables for 2018

Withholding has always confused me. I'm trying to stop over-paying and ending up with a huge refund.

If I plan to claim the new $12k standard deduction, I should claim 3 withholdings for a total of $12,450 withheld annually, correct?
by jadd806
Thu Jan 11, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4436

Re: Help me stop my addiction to stock market peeping!

with what I think is the appropriate AA. I do not want to stress myself out any longer. I think these two statements are at odds with each other. If you're getting stressed out by looking at your investments - especially in an upward market - that would signal to me that your asset allocation is no...
by jadd806
Wed Jan 10, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 3967

Re: Men's no iron dress shirt recommendations

Another vote for L.L. Bean. Their shirts usually run ~$50, but if you snag a sale you can find them for $25. I have some shirts from them that are 5 years old. Still feel solid, look like new and come out of the dryer wrinkle-free.
by jadd806
Sat Dec 30, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself an extra $200 today just by being observant
Replies: 25
Views: 5270

Re: Got myself an extra $200 today just by being observant

Proves happiness is relative. You got $200 more than what you thought, makes you happy. In reality, no one pays any sort of list price on cars. You "lost" $1000 for paying list price. But you don't know about it, you don't see it, and hence you stay happy. Until you post on BH and a bunch of people...
by jadd806
Sun Dec 24, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5651

Re: Not investing through your 30's

I feel like I'm a miser. I do not make a lot but its all relative. You can make 30K a year and still be a miser. I try to hoard it. I stare at Quicken. I stare at YNAB. I constantly read about it in books and I feel like its taken priority over my life instead of enjoying it. It almost feels like a...
by jadd806
Mon Dec 18, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 107
Views: 5817

Re: Financial Assistance to Adult Child (health insurance)

Be a man? Seriously? :oops: Bragging about your personal virtues on the internet does not make one a “man”. If refusing to be an enabler of coddled snowflakes makes one a braggart, then so be it. We greatly appreciate your sharing at 24 years old your vast knowledge of parenting. By all means pleas...
by jadd806
Mon Dec 18, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 107
Views: 5817

Re: Financial Assistance to Adult Child (health insurance)

Not saying this applies in this case, but I definitely think baby boomers have a major misunderstanding of the challenges faced by millenials. A generation ago, necessities like health insurance, tuition and real estate were much, much less expensive. In order to be near good jobs, millenials have ...
by jadd806
Sun Dec 10, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 8484

Re: Interesting ride so far - Crypto-curriencies

If you're certain that bitcoin is a bubble or a Ponzi, you can short it. Coinbase is a mainstream, well-insured exchange that you can use to purchase a short. Then, if the value of bitcoin plummets, you'll profit significantly. Have any bogleheads shorted bitcoin? There is no vehicle to short bitco...
by jadd806
Sat Dec 09, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2561

Re: What MPG App Do You Use To Track Fuel Usage ?

What is the point? Gas is pretty much free. Mostly people just think it's neat or like playing the efficiency game. It doesn't really cost me any time, since I add my data to the Fuelly app while I'm pumping. I spend about $2000/year on gas, so it's certainly not "free." If you want to reduce your ...
by jadd806
Sat Dec 09, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2561

Re: What MPG App Do You Use To Track Fuel Usage ?

I've been using Fuelly. Interesting to see that New England winters account for a 15% MPG reduction.

Image
by jadd806
Fri Dec 08, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 12997

Re: One answer to the Dividend stocks puzzle from behavioral finance

"There are still people posting here from time to time who seem to have the misunderstanding that dividends are free money." Dividends are not "free" money, THEY ARE GUARANTEED MONEY. If the cash stays in the company you may or may not realize that money when you sell your stock at some point in th...
by jadd806
Fri Dec 08, 2017 1:07 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 180
Views: 17110

Re: Call the top! - Bitcoin

$16,934.26
by jadd806
Thu Dec 07, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 16687

Re: A good friend has nearly $1M in BitCoin what do I tell him?

Bitcoin will be scaling within the next year. Instant micro transactions with basically no cost. https://www.coindesk.com/lightning-last-test-shows-bitcoin-scaling-solution-almost-ready/?utm_content=bufferca149&utm_medium=social&utm_source=twitter.com&utm_campaign=buffer Lol. Here comes another for...
by jadd806
Thu Dec 07, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 16687

Re: A good friend has nearly $1M in BitCoin what do I tell him?

The REAL effects of scarcity and supply and demand haven't even kicked in yet. This is the one opportunity where people have had the chance to get in before wall street. IPO's aren't available to small investors. Wall Street isn't even here yet. But the herd is coming... ETFs will most likely be av...
by jadd806
Thu Dec 07, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6944

Re: Bitcoin now the largest quantifiable bubble in history?

With the release of Bitcoin futures literal days away (December 10th), I wonder how coincidental this run up really is? Short the futures, dump a large pile of Bitcoin on several exchanges... Given the market cap of "only" $300B with $20B/day volume, it really wouldn't be that hard to manipulate the...
by jadd806
Wed Dec 06, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 709
Views: 182954

Re: Share your net worth progression

Image

This is my progression since graduating college. Data points are recorded the last day of every month.
by jadd806
Tue Dec 05, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Everyone, Even a Passive Vanguard Investor, is a Factor Investor (Alpha Architect/Jack Vogel, 11-30-17)
Replies: 39
Views: 1667

Re: Everyone, Even a Passive Vanguard Investor, is a Factor Investor (Alpha Architect/Jack Vogel, 11-30-17)

Wow, add another line to my resume!

jadd806, Factor Investor.

On second thought, I'd rather just be average. This sound like too much complexity, and I know I'd be kicking myself if these "factors" didn't work out over the next 40 years.
by jadd806
Tue Dec 05, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Thanks! We just let our VG PAS advisor go...
Replies: 14
Views: 3282

Re: Thanks! We just let our VG PAS advisor go...

Our only "complaint" was that we have 3 pots of money (2 not in VG-work )and VG really cant advise you on outside money or its asset allocation. So...we were still having to look our entire portfolio and make our own adjustments. It took me a couple hours to build a nice spreadsheet to balance betw...
by jadd806
Mon Dec 04, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 13979

Re: FIRE [financial independence/retire early]

Also retiring in 07/08 passed the fire test. That down turn was not enough to fail the 4% rule. If you retired in 07 and kept blindly withdrawing 4% by now you would be free and clear. Wow, so you have market data through the year 2037? Things might look good for those who retired in 2007, but to s...
by jadd806
Mon Dec 04, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2344

Re: Family Finance Meeting Agenda

When I think about the things that I have handled well in my finances, and areas that I need to improve one particular idea comes to the fore. Specifically, family finance meetings. For any of you that sit down regularly with your partner, I have a few questions: 1) How often do you sit down to tal...
by jadd806
Sat Dec 02, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: I soooo want to embrace the 3 fund portfolio, but...
Replies: 25
Views: 3072

Re: I soooo want to embrace the 3 fund portfolio, but...

ACA wrote:
Sat Dec 02, 2017 9:44 am
My one year returns are 25.50%. But my expense ratio average is 0.45%, with some funds at 0.75%! So I understand I will save a lot with ERs, but sacrifice a bit of growth.
You aren't going to sacrifice anything. Higher expense ratios are correlated with underperformance, not growth.
by jadd806
Fri Dec 01, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5386

Re: Edward Jones trap

I have had snooty friends with financial advisers tell me that 'you get what you pay for" and that I would be sorry in the long run for managing my own investments when the professionals do soooooooooooooo much better. I think they view it as a status thing - "My finance guy says this or that..." I...
by jadd806
Fri Dec 01, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 34
Views: 5734

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

That's a shame. I do not invest in the Permanent Portfolio, but I do like to read about it from time to time. Mr. Rowland's content was particularly enjoyable to read.
by jadd806
Fri Dec 01, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10857

Re: Price of haircut?

What is a haircut? What is shaving?

My grandmother tells me that I look homeless. :mrgreen:
by jadd806
Thu Nov 30, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5386

Re: Edward Jones trap

this is one of those situation where they'll never know what they're missing. If you convince them to switch the market will tank and it will be your fault. Yup. Even if it tanks years from now. The second you offer advice is the second you assume responsibility for whatever happens to their portfo...
by jadd806
Wed Nov 29, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Scammed by Enterprise Car Rental
Replies: 35
Views: 4267

Re: Scammed by Enterprise Car Rental

It's tough to say no though when you aren't even asked. That is why I am so upset about this. Look at the copy of your rental agreement. I guarantee you initialed a block saying "Renter accepts damage waiver at an additional fee shown to the right." The block next to it would have been to decline t...
by jadd806
Wed Nov 29, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11171

Re: Didn't buy Bitcoin at $4600

Lol at anyone who is/was afraid to even try crypto. My biggest regret is not selling my whole portfolio and putting it in Bitcoin over the summer. Wouldve been sitting pretty. Instead im getting 7%.. I highly doubt that anyone here is "afraid" to try cryptocurrency. For many posters on this forum t...
by jadd806
Tue Nov 28, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 207
Views: 22748

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

About the stance we all expected, but I'm glad that Mr. Bogle has made his position on Bitcoin crystal clear. I really liked the last quote in the article: It’s “crazy” to invest in the digital asset, he added. “Bitcoin may well go to $20,000 but that won’t prove I’m wrong. When it gets back to $100...
by jadd806
Tue Nov 28, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: Bitcoin mining
Replies: 19
Views: 3106

Re: Bitcoin mining

As my son and his friend used to mine bitcoin (friend still does), a practical consideration is to only mine when the house needs to be heated. The heat generated by the mining units heats the house, providing some use rather than wasting the heat. Does this even provide a noticeable amount of heat...
by jadd806
Tue Nov 28, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Ditched Polar Seltzer for Soda Stream - Flavorings?
Replies: 6
Views: 537

Re: Ditched Polar Seltzer for Soda Stream - Flavorings?

You can buy flavorings from a vendor like Lorann Oils. Everything they have listed as "food grade" is rated Generally Recognized As Safe by the FDA. Be careful where you buy from - there are a lot of unscrupulous vendors out there, as the flavorings have grown in popularity the past few years due to...
by jadd806
Tue Nov 28, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305109

Re: What are you up YTD? [Year To Date]

My TSP is up 19.48% YTD.

My holdings at Vanguard are up 25.81% YTD.
by jadd806
Mon Nov 27, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 8484

Re: Interesting ride so far - Crypto-curriencies

Good luck with your short! http://www.businessinsider.com/bitcoin-price-soars-above-9000-to-new-record-high-2017-11 Not coincidentally, $20,000,000 of USDT was created last night, right before this latest pump. For those unaware, USDT or "Tether" is a cryptocurrency which is supposedly tethered to ...
by jadd806
Mon Nov 27, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 8484

Re: Interesting ride so far - Crypto-curriencies

I love this forum, but it's not a good place to discuss cryptocurrencies unfortunately. You would never own cryptocurrencies if you listened to the consensus here, so I don't think asking this forum for advice on it is going to bear much fruit. Well, this forum is for "investing advice inspired by ...
by jadd806
Wed Nov 22, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 8484

Re: Interesting ride so far - Crypto-curriencies

I do think digital currencies and especially blockchain technology is a game changing breakthrough and I refused to sit on the sidelines and not participate. As I said: time will tell, but I think those that rule it out completely may regret that position one day. But does an investment in a crypto...
by jadd806
Wed Nov 22, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 8484

Re: Interesting ride so far - Crypto-curriencies

I do think digital currencies and especially blockchain technology is a game changing breakthrough and I refused to sit on the sidelines and not participate. As I said: time will tell, but I think those that rule it out completely may regret that position one day. But does an investment in a crypto...
by jadd806
Wed Nov 22, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 8484

Re: Interesting ride so far - Crypto-curriencies

Malinois000 wrote:
Wed Nov 22, 2017 9:11 am
livesoft wrote:
Wed Nov 22, 2017 8:48 am
Sell! Sell! Sell!
No sir! There is a lot more money to be made!
Why ask for others' input if you've already made a decision?
by jadd806
Mon Nov 20, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 4063

Re: Michelin or Bridgestone?

But it's equipped with 6-piston calipers Do you really think that those makes your car stop sooner? Actually, looking at some data, your self-assuredness appears to be on a shaky foundation, at least with regards to your particular vehicle, even before considering tire selection. A Prius with stock...
by jadd806
Mon Nov 20, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 4063

Re: Michelin or Bridgestone?

The Bridgestone Ecopia is an excellent tire. I got 100k miles out of my first set (EP422) and judging by the wear rate on my current set (EP422+) I should get 100k miles out of these too. There are differing definitions of excellent. I would never even consider trusting my family's life to a tire t...
by jadd806
Thu Nov 16, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 46
Views: 5810

Re: Holding VTSAX only

You just opened up the 2 biggest cans of worms on this forum: whether international equity exposure is necessary (and to what degree), and whether 100% equities is appropriate for any investor. I'm younger than you and I wouldn't feel comfortable holding 100% equities, let alone 100% US equities. I ...
by jadd806
Wed Nov 15, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 4063

Re: Michelin or Bridgestone?

I would totally avoid that EP20 tire though. I had those as OEM tires on a Prius and after 3 years of 6 month/year use (I used separate Michelin winter tires) they were nearly worn out - I was lucky I didn't get stuck buying new tires when I turned the car in (lease). That was barely 15k of use. OE...
by jadd806
Wed Nov 15, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8694

Re: $23k credit card emergency

Boost income, cut expenses, throw everything you can peel off at the debt, refinance what you can at lower rate, listen to Dave Ramsey podcasts in your spare time. You have a lot of work ahead of you. Your spending is > 6 months ahead of your earning and you need to catch up. Stop going to Trader J...
by jadd806
Sun Oct 29, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 6607

Re: My fear about buying a house justified?

Your fears aren’t unfounded but I think you’re giving them more weight than they objectively deserve. Bogleheads tend to be conservative to a fault, but 4x income in a HCOL area is entirely reasonable and people do it every day . Is there a way for you to make more money working full time? If you c...
by jadd806
Fri Oct 27, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Products
Replies: 15
Views: 1372

Re: First Time Home Buyer Products

So are you going to buy at the next housing crash? Or, are you a life-long renter? I'll buy if and when I feel like I'm getting a fair price for what I'm buying. I'll buy when renting is no longer cheaper than owning in my area. The prices that people are asking for homes around here is laughable.
by jadd806
Fri Oct 27, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Products
Replies: 15
Views: 1372

Re: First Time Home Buyer Products

Yes, there are "innovative" loan products for first time buyers. 0-3% down mortgages come to mind. Generally I don't like the first time buyer programs because they bring marginal buyers into the market who stretch too far to be a "home owner". When we start seeing goofy new "innovative" loans to h...
by jadd806
Fri Oct 27, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: Investing Inheritance Late in Cycle
Replies: 27
Views: 3267

Re: Investing Inheritance Late in Cycle

If you look at vanguards portfolio Wellington, Wesley, Morgan Growth, and Primecap funds charge close to 30bps but have beaten most of the index funds in fee adjusted returns over long hall. I’m comparing through two market cycles 2000-2017. No, you're comparing through 1.5 market cycles. 2000 was ...
by jadd806
Fri Oct 27, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 6607

Re: My fear about buying a house justified?

About the retirement savings, I think we are very behind as you all pointed out. My husband tells me his Thrifty savings plan has 3% rate, which probably is not very high. He's been a government employee only since 2015. Your husband should increase his Thrift Savings Plan contribution to at least ...
by jadd806
Thu Oct 26, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 6607

Re: My fear about buying a house justified?

If you want a house the difference of 800 a month, when you're saving 2500 right now, is totally fine, IMHO. While it might not be the strictly "correct" economic analysis, homeownership is about a lot more gaining an economic advantage. You should also factor the tax advantages into your analysis ...
by jadd806
Thu Oct 26, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have 100% stocks, 15 years+
Replies: 97
Views: 9138

Re: Is it ok to have 100% stocks, 15 years+

I don't think we are going to get an answer to this question, since a little thought reveals that you would be kinda nuts to be 100% stocks the day you retired if you actually needed that money . You might still make it, but well, that's a rough ride. A 2000 retiree 100% stocks would have seen thei...