Search found 44 matches

by Joe Jones
Thu Jul 06, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2101

Re: Medical Insurance Cover a Fractured Zygoma?

Yes! They were SO professional. The anesthesiologist, nurses and surgeon may as well have been working for NASA. Every detail, every step of the way. My mom was a nurse for many years. She filled my mind with so many horror stories—the first thing I was thinking when I went in the morning after the ...
by Joe Jones
Thu Jul 06, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2101

Re: Medical Insurance Cover a Fractured Zygoma?

Thank you so much for the quick and highly informed responses! I did have the surgery done and it was covered by insurance. On a side note, what an experience! I'd never been in a pre-op room—people lined up in beds getting prepped for surgery. It's terrifying! It is humbling to see how calm and tou...
by Joe Jones
Tue Jul 04, 2017 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2101

Re: Medical Insurance Cover a Fractured Zygoma?

123, I was seen at the Kaiser ER. Everything has been through Kaiser here in town. They have been amazing with any problem I've had. I've been insured with them for 40+ years. I did have a serious ER visit out of state last year, and the "emergency" portion of the visit was covered through Kaiser al...
by Joe Jones
Tue Jul 04, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2101

Re: Medical Insurance Cover a Fractured Zygoma?

You nailed it White Coat Investor—thanks so much. The doctor got back to me a few moments ago and said basically just that. He went way above and beyond the call of duty (kind of like you just did haha) getting back to me late on a holiday night and has been so helpful. I'm grateful. Thank you! -Joe
by Joe Jones
Mon Jul 03, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2101

Medical Insurance Cover a Fractured Zygoma?

Dear Bogleheads, I had a little mishap (tripped and fell on my face) and fractured my zygoma (cheekbone). The emergency room doctor took x-rays, confirmed a fractured zygoma, referred me to head and neck surgery. The head and neck doctor ordered a CAT scan. The CAT scan confirmed only a fractured zy...
by Joe Jones
Thu Feb 11, 2016 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Memorandum of Understanding?
Replies: 3
Views: 1177

Re: Prenup - Memorandum of Understanding?

Thank you.
I asked my attorney this morning and, yes, it was unnecessary.
-Joe
by Joe Jones
Thu Feb 11, 2016 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Memorandum of Understanding?
Replies: 3
Views: 1177

Prenup - Memorandum of Understanding?

Dear Bogleheads, I recently hired an attorney to create a simple prenup that keeps all property and accounts separate (unless documented otherwise) and waives spousal support in case of divorce. Both my attorney and I have signed the document and it was notarized by my attorney. My fiancé sought her...
by Joe Jones
Tue Feb 02, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expectations for 2016
Replies: 11
Views: 2731

Re: Vanguard expectations for 2016

My question to Vanguard:
Since we base our asset allocation on risk vs reward, should we not lower our exposure to equities?
by Joe Jones
Fri Jan 15, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: $100 On October 9th, 2007 Worth How Much Today?
Replies: 29
Views: 6242

Re: $100 On October 9th, 2007 Worth How Much Today?

And how about today? Inflation adjusted?
by Joe Jones
Fri Jan 08, 2016 12:49 am
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 9029

Re: Jackpot Now Estimated $700 Million, who's in?

Why buy a lottery ticket when you can buy the whole stock market?
by Joe Jones
Sat Dec 26, 2015 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Outsourcing property management
Replies: 23
Views: 2636

Re: Outsourcing property management

Dear azurekep, If you don't take responsibility for your windfall, someone else will. Meaning, you will be a victim of fraud or found negligent in a law suit. Be careful you don't become a soft target. I wish I knew these things a few years ago. Maybe they will help you, take them or leave them. 1. ...
by Joe Jones
Tue Dec 22, 2015 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft!
Replies: 18
Views: 2090

Re: Identity theft!

How do you guys protect and minimize chance of identity theft ? How do they get your information? Can they do it over the Internet ( spy ware ) ? The bank just called me and told me that someone registered your credit card and I might have been a victim of identity theft ! input appreciated. How do...
by Joe Jones
Tue Dec 22, 2015 3:43 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the perfect storm post, how to increase EXPECTED returns
Replies: 118
Views: 12635

Re: Part 2 of the perfect storm post, how to increase EXPECTED returns

Mr. Swedroe, Thank you for sharing your articles! They seem like reasonable advice under any market conditions. I'm a lay-person, just enjoying learning about investing, so please don't take this as a challenge. I’ve been reading A Random Walk Down Wall Street by Burton G. Malkiel. At the end of th...
by Joe Jones
Mon Dec 21, 2015 10:49 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the perfect storm post, how to increase EXPECTED returns
Replies: 118
Views: 12635

Re: Part 2 of the perfect storm post, how to increase EXPECTED returns

Mr. Swedroe, Thank you for sharing your articles! They seem like reasonable advice under any market conditions. I'm a lay-person, just enjoying learning about investing, so please don't take this as a challenge. I’ve been reading A Random Walk Down Wall Street by Burton G. Malkiel. At the end of the...
by Joe Jones
Sun Dec 20, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2592
Views: 821032

Re: What Book Are You Currently Reading? Part VI

Currently enjoying A Random Walk Down Wall Street by Burton G. Malkiel Recently finished The Boglehead's Guide to Investing by Landauer, Larimore, LeBoeuf and The Little Book of Common Sense Investing by John C. Bogle The Clash of the Cultures: Investment Vs. Speculation by John C. Bogle looks good....
by Joe Jones
Sat Dec 19, 2015 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving cash into the market now
Replies: 26
Views: 4524

Re: Moving cash into the market now

redrocker, I was faced with a similar dilemma last month. 40% went into bonds, which was an easy, low risk move. The remaining 60% went into the total stock market and total international stock market. That was difficult. I wanted to buy low. I had been waiting for the market to take a nose-dive, bu...
by Joe Jones
Sat Dec 19, 2015 1:27 am
Forum: Personal Finance (Not Investing)
Topic: free down loads
Replies: 2
Views: 761

Re: free down loads

You can read everything online without downloading anything. Watch your back. Don't actually DOWNLOAD anything. Viruses, especially key-loggers can be embedded in .PDF (article) files that you download, as well as any other file you accept. Good providers will not require a download, EVER. Beware th...
by Joe Jones
Fri Dec 18, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Large Stock Market Decline Today - What's going on?
Replies: 46
Views: 5406

Re: Large Stock Market Decline Today - What's going on?

If there is any positivity to be had, I'd like to hear about it. Please keep answers simple. Thanks so much. I feel your pain sheople2. But this might make you feel better: If you put $100 in the market on October 9th, 2007 at the peak of the bubble, right before the biggest nose-dive since the gre...
by Joe Jones
Fri Dec 18, 2015 7:32 pm
Forum: Investing - Theory, News & General
Topic: ETF or Fund - Which Do You Use?
Replies: 40
Views: 4112

Re: ETF or Fund - Which Do You Use?

I'm just using funds for long term (10+ years) investing with a simple three fund portfolio. Don't really know if that is the right decision but I'll stick with it for now. Interesting article by Jason Zweig over on the WSJ - Buy The EFT Not the Mutual Fund http://blogs.wsj.com/moneybeat/2015/12/18/...
by Joe Jones
Fri Dec 18, 2015 7:21 pm
Forum: Investing - Theory, News & General
Topic: ETF or Fund - Which Do You Use?
Replies: 40
Views: 4112

ETF or Fund - Which Do You Use?

I think you need special privileges to create a poll here?
Probably smart or I'd be making annoying polls right and left! :wink:

Great wiki article comparing ETFs and Mutual Funds: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds

I'm just curious, what's the consensus here?
Which do you use, ETF or fund?
by Joe Jones
Wed Dec 16, 2015 2:57 am
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 4742

WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

Over the course of a lifetime, which would be a better use of money?

A) Investing the $32.99/month Wall Street Journal subscription fee in the S&P500
B) Subscribing and reading the paper front to back every day
by Joe Jones
Mon Dec 14, 2015 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Predict stock movement this week
Replies: 33
Views: 2985

Re: Predict stock movement this week

This market thing must have a mind of its own.
Does it even read the news!?
by Joe Jones
Sun Dec 13, 2015 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Predict stock movement this week
Replies: 33
Views: 2985

Re: Predict stock movement this week

I'll play.

Stocks are down 3% on Monday.
The Fed doesn't raise interest rates Tuesday.
Stocks are up 1.5% by close on Friday.

Now go forth and pin the tail on the donkey!
by Joe Jones
Sun Dec 13, 2015 5:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3951
Views: 1039370

Re: U.S. stocks in freefall

Why not sell and take a few percent loss off the top, and then buy again on the low? Market timing... still trying to get my head around how it doesn't work. I know on a daily or even weekly level it is impossible. But cyclically? We've got some pretty consistent waves of bubbles over the decades. ...
by Joe Jones
Sun Dec 13, 2015 4:33 pm
Forum: Investing - Theory, News & General
Topic: "Learning From the Oil Bust"
Replies: 17
Views: 3626

Re: "Learning From the Oil Bust"

Great article. Congress lifting the US oil export ban will likely add a twist to the turns in the market, not to mention the more subtle impact of the climate deal. Oil is slippery business. It will be interesting to see how this year pans out. Wall Street Journal: Congress Seen Likely to Lift U.S. ...
by Joe Jones
Sat Dec 12, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3951
Views: 1039370

Re: U.S. stocks in freefall

Joe, It seems like you are the panicked passenger on "Airplane" and we are all lining up to slap your face (or worse). A few years ago there was a poster who sold in advance of the fiscal cliff. By my calculations, he lost 5% in a week. These were real, realized losses. He sold, then boug...
by Joe Jones
Sat Dec 12, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3951
Views: 1039370

Re: U.S. stocks in freefall

Is it unfashionable to scream BEAR! and run? I have a feeling a lot of people are going to do just that come Monday. Last chance to get off the boat. End of an economic cycle. Take your generous winnings and quit while you're ahead. Why not sell and take a few percent loss off the top, and then buy ...
by Joe Jones
Thu Dec 10, 2015 8:16 pm
Forum: Investing - Theory, News & General
Topic: Recession on the Horizon - Sensationalist Noise or Actionable Information?
Replies: 36
Views: 5112

Re: Recession on the Horizon - Sensationalist Noise or Actionable Information?

This thread from Thursday, October 9th, 2008 is pretty much says it all: I can't believe I am thinking this https://www.bogleheads.org/forum/viewtopic.php?f=10&t=25126 I wish someone would make a compendium of epic market survival stories somewhere here on the site. I'm literally awe-struck by t...
by Joe Jones
Thu Dec 10, 2015 7:55 pm
Forum: Investing - Theory, News & General
Topic: Recession on the Horizon - Sensationalist Noise or Actionable Information?
Replies: 36
Views: 5112

Re: Recession on the Horizon - Sensationalist Noise or Actionable Information?

Savers end up with more than non-savers. There's a durable truth. Warning! Geezer telling the same anecdote, again. When the 401k was started at my employer, it was the early 1980s. Inflation was high, with periodic gasoline price jolts. A business magazine had a cover story titled, The Death of Eq...
by Joe Jones
Wed Dec 09, 2015 11:25 pm
Forum: Investing - Theory, News & General
Topic: Recession on the Horizon - Sensationalist Noise or Actionable Information?
Replies: 36
Views: 5112

Recession on the Horizon - Sensationalist Noise or Actionable Information?

I’m getting the impression CNBC indulges in a bit of fear mongering. Having only been invested in the market for a couple of weeks, the last few days are the first time I’ve ever actually “lost” money. Not a warm fuzzy feeling but I know it’s part of the deal. I’m not planning on selling anything un...
by Joe Jones
Thu Dec 03, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?
Replies: 25
Views: 6831

Re: Buy the whole haystack

Done!
Seems like a good day to buy while the haystack is on fire. ;)
Thank you for all of the wisdom and experience shared here.

Joe
by Joe Jones
Tue Dec 01, 2015 11:54 pm
Forum: Investing - Theory, News & General
Topic: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?
Replies: 25
Views: 6831

Re: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?

Thanks again. Your feedback is greatly appreciated! I see how speculation is dangerous and I've backed away from the European Stock Index as a replacement for Total International. I'm still answering some questions for myself about how we choose our investments based on the state of the global econo...
by Joe Jones
Sun Nov 29, 2015 1:56 pm
Forum: Investing - Theory, News & General
Topic: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?
Replies: 25
Views: 6831

Re: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?

Thank you. That sheds some light on how little I know. I'm still deciding a course. I bought 40% Total Stock Market and 40% Total Bond Market last week. Now I'm just trying to decide when and where to jump in with the last 20%. I've narrowed it down to either a straight 60/40 Total Stock/Total Bond ...
by Joe Jones
Sat Nov 28, 2015 2:37 pm
Forum: Investing - Theory, News & General
Topic: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?
Replies: 25
Views: 6831

Re: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?

Wow, portfoliovisualizer is amazing! What a great tool.
Great perspectives. Thanks!
-Joe
by Joe Jones
Sat Nov 28, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 8684

Re: Toyota Tacoma owners?

I'm on my second base-model Toyota pickup. The first (I don't think they called it a Tacoma back then) went 320k+ miles before it blew up on the freeway. That poor truck was driven so hard. Now I'm driving a base-model 2002 Toyota Tacoma. No extended cab or bed/etc. Just a bed liner and a shell, aut...
by Joe Jones
Sat Nov 28, 2015 12:05 am
Forum: Investing - Theory, News & General
Topic: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?
Replies: 25
Views: 6831

Re: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?

Having lived in Europe and the U.S. I feel at home with our known evils. Our own corruption VS. the great vast abyss of corruption I fear in Africa, South America and Asia. It's a desire to know the place and people I'm doing business with. nedsaid, I think you read my mind about chasing value, as I...
by Joe Jones
Fri Nov 27, 2015 1:50 pm
Forum: Investing - Theory, News & General
Topic: European Stock Index(VEURX) as Replacement for Total International(VGTSX)?
Replies: 25
Views: 6831

European Stock Index(VEURX) as Replacement for Total International(VGTSX)?

What do you think about using the Vanguard Total European Stock Index Fund (VEURX) as a replacement for the Vanguard Total International Stock Index Fund (VGTSX) in a simple three fund portfolio? 60/40 Stock/Bond 48% Vanguard Total Stock Market Index Fund (VTSMX) 12% Vanguard Total European Stock Ma...
by Joe Jones
Wed Nov 25, 2015 1:23 am
Forum: Investing - Theory, News & General
Topic: $100 On October 9th, 2007 Worth How Much Today?
Replies: 29
Views: 6242

Re: $100 On October 9th, 2007 Worth How Much Today?

I'm going back to trading in donkeys.
by Joe Jones
Tue Nov 24, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: $100 On October 9th, 2007 Worth How Much Today?
Replies: 29
Views: 6242

Re: $100 On October 9th, 2007 Worth How Much Today?

rgs92 wrote:You're very bad at math.


So true. :oops:

But after rolling my face back and forth on the calculator for an hour and reviewing how to calculate percentages... I do believe I've got it! Thanks for illustrating.
by Joe Jones
Mon Nov 23, 2015 11:55 pm
Forum: Investing - Theory, News & General
Topic: $100 On October 9th, 2007 Worth How Much Today?
Replies: 29
Views: 6242

$100 On October 9th, 2007 Worth How Much Today?

What am I not understanding about the way the market works? I have $100 in the S&P500 and the market drops 50%: $100x.50=$50 $100-$50=$50 Now I have $50 I have $50 in the S&P500 and the market recovers 50%: $50x.50=$25 $50+$25=$75 Now I have $75 The market went down 50%, then back up 50%. I ...
by Joe Jones
Mon Nov 23, 2015 10:21 am
Forum: Investing - Help with Personal Investments
Topic: VBMFX, Alternatives, Market Timing and The Fed
Replies: 4
Views: 1054

Re: VBMFX, Alternatives, Market Timing and The Fed

Thank you so much for taking the time to give these explanations. Happy Thanksgiving!
-Joe
by Joe Jones
Sun Nov 22, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: VBMFX, Alternatives, Market Timing and The Fed
Replies: 4
Views: 1054

VBMFX, Alternatives, Market Timing and The Fed

Vanguard Total Bond Market Index Fund(VBMFX), Alternatives, Market Timing and The Fed Dear Bogleheads, Thank you for The Boglehead's Guide to Investing and this forum. Both have been exceedingly helpful. Pardon me for beating an undead horse but I’m suffering from “Paralysis by Analysis.” I’m 40 yea...
by Joe Jones
Sat Nov 14, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: How's This for a Plan?
Replies: 5
Views: 950

Re: How's This for a Plan?

Thank you so much for the replies. Your advice is extremely valuable. I'll factor the rental property like a REIT and study more before jumping or wading in. Maybe I should consider some type of savings account or CDs for a few months. That brokerage account money market fund is a dead fish. Watty, ...
by Joe Jones
Fri Nov 13, 2015 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: How's This for a Plan?
Replies: 5
Views: 950

How's This for a Plan?

Dear Bogleheads, Hello and thank you for the excellent forum. A few years ago, I inherited two rental properties, fully paid off. I recently sold one with the intention of investing the proceeds, thereby diversifying my assets. I had no debt prior to inheriting the rental properties, but only a mode...