Search found 245 matches

by jadd806
Thu Oct 18, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4714

Re: When to change tires; and what brand

I change around 3/32 or 100k miles, whichever comes first. I only buy Bridgestone or Michelin since I trust them and most other brands don't even offer hybrid tires.
by jadd806
Thu Oct 18, 2018 5:21 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10752

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Man, this topic has been getting rather tired lately. We're seeing like 1-2 threads per week essentially saying the same thing. The funny part is they always seem to be started by the 100% US crowd. Just look at how the most recent thread titles are worded: "Why Jack Bogle Doesn't Own Non-U.S. Stoc...
by jadd806
Thu Oct 18, 2018 5:16 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10752

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

If Intl pickups again there is nothing to stop an investor from adding AA for it. The little spurt of business activity enjoyed by Intl earlier in the year seems to have died out. So until Intl puts together some reliable annual returns I'm discouraged again. I don't like thinking I'm investing in ...
by jadd806
Wed Oct 17, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10752

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Man, this topic has been getting rather tired lately. We're seeing like 1-2 threads per week essentially saying the same thing. The funny part is they always seem to be started by the 100% US crowd. Just look at how the most recent thread titles are worded: "Why Jack Bogle Doesn't Own Non-U.S. Stock...
by jadd806
Mon Oct 15, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: 401k Funds for 23 year just starting out
Replies: 7
Views: 436

Re: 401k Funds for 23 year just starting out

1/3 in bonds at 23 with no assets is far too conservative. I don't think young investors need to worry about bonds until they hit the threshold of 1-2x income invested. My first recommendation was going to be just 50/50 US/international and no bonds, but it doesn't look like she has a decent interna...
by jadd806
Fri Oct 12, 2018 6:13 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4283

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

Shouldn't "serious money" already be fully invested such that there's nothing left over to buy dips? Serious money is invested not only in equities, but also in bonds. So bonds can be sold and the money used to buy equities. If you're trying to rebalance to bring your portfolio back in line with yo...
by jadd806
Fri Oct 12, 2018 5:43 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4283

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

i love market corrections. who needs academic studies when the best indicator out there is CNBC "Markets in turmoil" Special reports. you may be early buying dips but that is when the serious money is made. keep it simple. Shouldn't "serious money" already be fully invested such that there's nothin...
by jadd806
Thu Oct 11, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5717

Re: Anyone done a Hair Transplant?

I can spot a transplant almost as far away as a comb over. You wouldn't be fooling anyone. Just shave your head close or completely and leave people guessing. You might be able to, but most people are not Norwood spotters and cannot tell the difference between a good transplant and a natural hairli...
by jadd806
Wed Oct 10, 2018 6:33 am
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5226

Re: The benefits of international diversification - NOT: Hulbert

I can't wait for the next 3-5 year period where EM or international crushes the US stocks. Those threads will be entertaining:) It is easy when an asset is soaring to say that it is all you need. Getting that article published when the sector is underperforming is a lot harder:) +1 Recency bias is ...
by jadd806
Tue Oct 09, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3098

Re: Kirkland (Costco) Razor

1 blade to cut the hair... 2 blades to drag along the skin behind and cause nicks/irritation? It's a wasteful marketing gimmick. Go double edge and you can cut your shaving costs by 80% compared to these and get a better shave. A decade ago when I was still getting ripped off to shave I used what ap...
by jadd806
Thu Oct 04, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13477

Re: Correlation between the FIRE movement and one of the greatest bull markets

The short answer is I don’t know. In fact, there is much I don’t know about FIRE. For example, how prevalent is this movement? Bogleheads and regular visitors to Mr. Money Mustache are certainly aware. However, I have not personally heard it reference by anyone socially or in a work environment. Do...
by jadd806
Tue Oct 02, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5474

Re: Root of Good's cost of raising a child: $3,300 per year

$100 a month for each child's food? Do they grow their own food and have the kids help them? Do they own cows and chickens for milk and eggs? If so, the time they spend doing this is worth a lot more than what they spend. Kids eat very little. I can eat very decent/healthy fodd with 200$ per month,...
by jadd806
Tue Oct 02, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7370

Re: Bonds... Why do people bother with them. ?

Another reason for bonds: Rebalancing helps you make money off volatility. Bonds have a really bad year -> opportunity to rebalance from stocks to bonds Stocks have a really bad year -> opportunity to rebalance from bonds to stocks The "rebalancing bonus" is a myth over any meaningful time period. ...
by jadd806
Mon Oct 01, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7370

Re: Bonds... Why do people bother with them. ?

If you saved over your whole career, putting all your savings in stocks, and then lived another thirty years after you retired in September, 1929 or January, 1966, you would have have seen the market drop and not return to your pre-retirement level for the rest of your life. Eyeballing the numbers,...
by jadd806
Thu Sep 27, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: School Loan debt vs
Replies: 15
Views: 1230

Re: School Loan debt vs

The equity in our house has risen $200K in just four years (we went out of our way to buy in an up-and-coming area). If we had waited around to buy a home (we're in Boston), we would now have to pay an extra $1,000 a month to buy into the same neighborhood and kind of house. So because you got luck...
by jadd806
Mon Sep 24, 2018 6:33 am
Forum: Investing - Theory, News & General
Topic: Siegel: 'stocks are overvalued on a long-term basis, but bonds are enormously overvalued on a long-term basis'
Replies: 74
Views: 8016

Re: Siegel: 'stocks are overvalued on a long-term basis, but bonds are enormously overvalued on a long-term basis'

- The CAPE ratio might be permanently higher due to indexing lowering costs for investors (an interesting argument that I had not heard of before) Does anybody have more information related to this point? I also have never heard of it before. I tried to search the web and found nothing. A counterpo...
by jadd806
Fri Sep 21, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 49
Views: 2801

Re: TSP to Increase Stock Holdings in L Funds

The real "recency bias" at work on this board is the impression that bonds are a safe alternative to stocks on account of a 35 year bull market in bonds 1982-July 2016. Ignoring the past 27 month "correction" in bonds, virtually no investors have experienced a bond bear market in real terms. Why wa...
by jadd806
Fri Sep 21, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: 23 with 130k cash to invest in index funds need help [Australia]
Replies: 7
Views: 731

Re: 23 with 130k cash to invest in index funds need help [Australia]

It is smart of you to ask this question since the US only comprises 50% of the world's stock market capitalization. I would recommend that you invest in the entire world of equities. You can do this with a single fund like Vanguard's Total World Stock Index. This will effectively give you your "fair...
by jadd806
Thu Sep 20, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8550

Re: Can Sneakers go with Business Casual?

Some people seem to be getting pretty worked up about this topic. They must be upset that they have to play "dress up" every day. :twisted: I judge people by their level of physical fitness far more than what they're wearing. A fit person in a polo (sneakers or not) will always look more professiona...
by jadd806
Wed Sep 19, 2018 5:18 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5495

Re: State Farm nickel-and-diming me

Why are you getting involved? Your insurance company works with State Farm and tells them to fix it. I’ve had this problem severaltimes (all no-fault accidents involving the other party’s insurance) and after a few phone calls it gets resolved. No, my insurance company is not involved. We filed no ...
by jadd806
Fri Sep 14, 2018 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10326

Re: Massive Student Loan Debt - Fiancee

It doesn't exactly work out evenly, I pay for all groceries, which is a joint expense, I pay both our cell phones, another joint expense, I pay for most if not all of our dinners out, I also put more into my 401k than she does. But there also needs to be some accountability and reward for earning m...
by jadd806
Thu Sep 13, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10326

Re: Massive Student Loan Debt - Fiancee

Don't do it. She might change in the short term to make you happy but after the "honeymoon" phase is over she will revert back to the mean Cut bait and move on. Harsh words but I agree. I'm around the same age as the OP and the information in his post would be a HUGE red flag for me. Look, nobody w...
by jadd806
Thu Sep 13, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10326

Re: Massive Student Loan Debt - Fiancee

It is no wonder, given how frugal you are, that you are attracted to someone who is a bit out of control you are. Even if you do break it off with this person, your future SO will likely have similar beliefs about money. "Opposites attract" is armchair psychology. It comes down to simple odds: if 1...
by jadd806
Thu Sep 13, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15797

Re: iPhone XS Max

I think the XR is going to sell HUGE. 98% of the utility of the XS for 75% of the price. But how can I show that I'm rich, successful, and better than you if I don't have the golden iPhone XS Max? The XR is clearly for poor people. Anybody who cares enough about specs to know that the XR/XS are nea...
by jadd806
Thu Sep 13, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15797

Re: iPhone XS Max

I think the XR is going to sell HUGE. 98% of the utility of the XS for 75% of the price. But how can I show that I'm rich, successful, and better than you if I don't have the golden iPhone XS Max? The XR is clearly for poor people. Anybody who cares enough about specs to know that the XR/XS are nea...
by jadd806
Wed Sep 12, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 16
Views: 2170

Re: New era for TSP "I" Fund?

it makes me rethink placing my allotment of International in my not-quite-as-cheap (Vanguard) Roth and taxable. To answer your question rather than debate the particulars of the I Fund change: If you can do this without creating a taxable event, go ahead. If the bulk of your international is in you...
by jadd806
Mon Sep 10, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19171

Re: Why Bull Markets Are Dangerous

jadd806, <<I probably end up with less money in the end compared to 100% equities. >> Or not. There were times when bond return higher than stock. Please note that the real world does not have to meet expectation. As per the example again, for 100/0, with a 50% drop, you need to double to recover. ...
by jadd806
Mon Sep 10, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19171

Re: Why Bull Markets Are Dangerous

jadd806, <<I probably end up with less money in the end compared to 100% equities. >> Or not. There were times when bond return higher than stock. Please note that the real world does not have to meet expectation. As per the example again, for 100/0, with a 50% drop, you need to double to recover. ...
by jadd806
Mon Sep 10, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19171

Re: Why Bull Markets Are Dangerous

It's worth noting that the S&P 500 almost exactly doubled in the years following Alan Greenspan gave his famous "irrational exuberance" speech in December of 1996. I'll stick with 100% equities until I approach the point where expected returns eclipse my contributions. Until then I've got time, hum...
by jadd806
Mon Sep 10, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19171

Re: Why Bull Markets Are Dangerous

It's worth noting that the S&P 500 almost exactly doubled in the years following Alan Greenspan gave his famous "irrational exuberance" speech in December of 1996. I'll stick with 100% equities until I approach the point where expected returns eclipse my contributions. Until then I've got time, hum...
by jadd806
Mon Sep 10, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19171

Re: Why Bull Markets Are Dangerous

It's worth noting that the S&P 500 almost exactly doubled in the years following Alan Greenspan gave his famous "irrational exuberance" speech in December of 1996. I'll stick with 100% equities until I approach the point where expected returns eclipse my contributions. Until then I've got time, huma...
by jadd806
Fri Aug 24, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 62
Views: 5759

Re: Am I Wrong for being 100% Equities ?

Adding 20-40% bonds will greatly reduce your expected portfolio volatility, while only decreasing expected returns slightly. https://529investing.files.wordpress.com/2010/02/portstrategies_aaii2.jpg In what world is the average return of bonds nearly 10%? And the average return of stocks at 13.5%? ...
by jadd806
Thu Aug 23, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12449

Re: Good Non-Boring Boglehead Cars Under $30k

Why are there so many recommendations for the Mazda 3? What's the attraction here? The engine sounds like a lawn mower, it has the worst road noise of any car on the market save maybe the Yaris, and it certainly doesn't make up for its lack of power with snappy handling like the BRZ/Miata/Golf. It'...
by jadd806
Wed Aug 22, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12449

Re: Good Non-Boring Boglehead Cars Under $30k

Why are there so many recommendations for the Mazda 3? What's the attraction here? The engine sounds like a lawn mower, it has the worst road noise of any car on the market save maybe the Yaris, and it certainly doesn't make up for its lack of power with snappy handling like the BRZ/Miata/Golf. It's...
by jadd806
Tue Aug 14, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 7632

Re: Housing affordability - what is your take?

Jadd806, What is the quaint 28/36 rule? If you mean DTI debt to income, that's not the rule anymore: you might want to read about what's been happening the last few years: FHA, Fannie and Freddie are offering to 50%. And you can put 0-3% down depending on the lender and program. Slide 53 (link belo...
by jadd806
Tue Aug 14, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 7632

Re: Housing affordability - what is your take?

Prices are high because people are willing to spend a huge (and in my opinion unwise) percentage of their income on housing. Your choice is to either compete with them (and make the same poor decision) or move elsewhere. I think this has a huge part to play. I made an off hand comment at work one d...
by jadd806
Fri Aug 10, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Use cash to pay off low interest student loans and car or downpayment for house?
Replies: 23
Views: 1159

Re: Use cash to pay off low interest student loans and car or downpayment for house?

I'm aware that a house isn't always a good investment, but some advice i've heard is to buy as soon as possible. And who are you hearing that advice from? Home owners and realtors? Buying a home is the largest purchase 99.9% of the population will ever make. Additionally, most people don't like to ...
by jadd806
Thu Aug 09, 2018 5:36 am
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing--what's the attraction?
Replies: 12
Views: 1397

Re: Dividend Growth Investing--what's the attraction?

In my experience, proponents of this strategy are usually averse to selling shares for income. They believe that they haven't "lost" anything after receiving their dividends, because they still have the same number of shares. They refuse to believe that total returns are what really matter, and that...
by jadd806
Mon Aug 06, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 76
Views: 14473

Re: I pay $6K in rent. Am I an idiot for not buying?

If it was cheaper to rent, then why would the owner rent it? Rent is almost always dollars and cents more expensive. In some of these insanely expensive cities, landlords are willing to take a loss on renting today because they speculate future appreciation in home prices and/or rents. I'm not sure...
by jadd806
Mon Aug 06, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 76
Views: 14473

Re: I pay $6K in rent. Am I an idiot for not buying?

If it was cheaper to rent, then why would the owner rent it? Rent is almost always dollars and cents more expensive. In some of these insanely expensive cities, landlords are willing to take a loss on renting today because they speculate future appreciation in home prices and/or rents. I'm not sure...
by jadd806
Thu Aug 02, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting TSP question
Replies: 17
Views: 1154

Re: Interesting TSP question

Are you sure there's no option for a fixed amount? You may want to look again, it's right under the percentage option for me on EBIS, although I'm not sure if you use the same system. $711 per pay period will get you to $18,486 which is close enough for me.
by jadd806
Thu Aug 02, 2018 6:01 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3778

Re: New job commute

I did a 3 hour round trip commute for 3 years. 1.25 hours in the morning and 1.5-2 hours in the afternoon. 85 miles each way. It absolutely sucks and I wouldn't wish it on anybody. The morning drive wasn't bad, there was nobody on the road and I could cruise up the highway driving however fast I wan...
by jadd806
Wed Aug 01, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Older Camrys - Hybrid vs regular?
Replies: 25
Views: 1711

Re: Older Camrys - Hybrid vs regular?

My ex-wife has a 2010 Fusion Hybrid we bought (when we were married) new. That car has been 100% reliable. It has about 120k miles on it now and still has the original brakes (due to the regenerative braking the regular brakes don't get much use) and it sill gets 40+ MPG. Awesome car. I believe the...
by jadd806
Tue Jul 31, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 68
Views: 7697

Re: Are millennial botching their asset allocations?

This little millennial is 100% equities. I honestly don't find this data that surprising. Anecdotally, I hear more talk about how the stock market is a scam/rigged from my peers than from older folks. Most of my friends just contribute the minimum to their 401k for the match - I know of only 3 peopl...
by jadd806
Mon Jul 30, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Are stocks dangerously overvalued? Not according to new Vanguard yardstick
Replies: 84
Views: 8925

Re: Are stocks dangerously overvalued? Not according to new Vanguard yardstick

OP, Another point of view: https://www.peakprosperity.com/blog/114231/faang-nary-coal-mine The recent stock run is driven by the FAANG aka 5 stocks. KlangFool P.S.: Unless you are 100% stock, none of this matters to you. You just buy according to your AA. You would not be buying the stock now due t...
by jadd806
Mon Jul 23, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Does "Time in the Market" Heal All Portfolio Wounds?
Replies: 57
Views: 5885

Re: Does "Time in the Market" Heal All Portfolio Wounds?

We don't get to choose how old we'll be or when a 20-30 year sideways market will happen. The "hope and pray" strategy never sat well with me. That is why I recommend to invest in real assets that produce cash flow. Oh look, another interesting thread derailed by WanderingDoc and his incessant, tir...
by jadd806
Mon Jul 23, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3796

Re: Guilt at buying nice things for myself

I used to have this issue. I was obsessed with saving as much as possible when I first started working, to the detriment of spending money on things that I would enjoy. The problem was I didn't have a defined savings goal, so my mentality was "save as much as possible." I solved it by setting a savi...
by jadd806
Mon Jul 23, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 8170

Re: Engineers come in.

He explained that he was going to class, listening to the lecture and doing nothing aside from his homework until the next class. He did not study, he did not read much of his reading assignments in the book. When he did he skimmed through. When he had HW troubles he relied on Khan Academy to help....
by jadd806
Tue Jul 17, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: 23 and seeking help with investments
Replies: 9
Views: 959

Re: 23 and seeking help with investments

Welcome to the forum. I'm only a couple years older than you so I've recently been in the same situation. -Tax Rate: I believe my top Federal rate is 22%. The state is 4.25% I think. Your top Federal tax rate is 12% with an income of $45k - don't forget about your deductions which includes a $12k st...
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: 4068

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...