Search found 1143 matches

by qwertyjazz
Sat Jul 11, 2020 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Ethical Dilemna - Rate Lock Woes
Replies: 13
Views: 1356

Re: Ethical Dilemna - Rate Lock Woes

You don’t mention if you qualify for a waived VA funding fee. .... However, just a side note. Make sure you are thinking about real closing costs vs. what the paperwork says are loan costs. Thank you for all the responses. It’s put my mind at ease a bit. I qualify for no funding fee. 7k includes pr...
by qwertyjazz
Fri Jul 10, 2020 2:48 pm
Forum: Personal Investments
Topic: Roth Advice, Military Related
Replies: 22
Views: 868

Re: Roth Advice, Military Related

m2244 wrote:
Fri Jul 10, 2020 2:09 pm
Another detail I left out is the fact that a good portion of my income is tax free right now. Small detail with big implications!
Due to deployments or do you mean BAH etc? If deployment then make your TSP withdraws while deployed
by qwertyjazz
Thu Jul 09, 2020 11:15 am
Forum: Personal Investments
Topic: New TSP Lifecycle Funds
Replies: 9
Views: 852

Re: New TSP Lifecycle Funds

Well, you have lots of people reading your question, but no one has replied. That's probably because it's such a personal decision. You would be moving from about 82% stock to about 98% stock. I'm sure some will agree with the move and some will suggest you stay with the 2050 fund. My vote is to ho...
by qwertyjazz
Thu Jul 09, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: "Rightful owners" of stocks and the pandemic
Replies: 22
Views: 1998

Re: "Rightful owners" of stocks and the pandemic

That looks like copyright 2020. Is the good doctor writing articles again on that site? :sharebeer :happy
by qwertyjazz
Thu Jul 02, 2020 5:58 am
Forum: Personal Investments
Topic: Is wealthfront Stock Level investing under appreciated by Boglehead community?
Replies: 47
Views: 2836

Re: Is wealthfront Stock Level investing under appreciated by Boglehead community?

What is the risk that you do this for a few years, build up significant capital gains, and Wealthfront decides to raise the fees to .5% or higher? Or goes out of business and sells your account to another firm that does the same thing? What are the chances that you'll ever need more than 100k of bo...
by qwertyjazz
Wed Jul 01, 2020 6:03 am
Forum: Forum Issues and Administration
Topic: For every "YES" there are 10 "No's" and Vice Versa?
Replies: 28
Views: 1920

Re: For every "YES" there are 10 "No's" and Vice Versa?

Ask whether you should market time or whether you should pick individual stocks or use a high fee advisor or invest in a hedge fund or leverage 15x Then you will get lots of the same answers. If you ask whether to pay off the house or invest, you will get diverse answers. Maybe not even for those T...
by qwertyjazz
Wed Jun 24, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4002
Views: 305654

Re: Coronavirus and the market

I'm not a believer in "new bull market". While it's a pretty high dead cat bounce, it's unclear to me that we're on a true economic rebound. I think we haven't seen the worst yet...no idea when that will be either. It's never clear. It's not a "dead-cat bounce". It's that no one knows for sure what...
by qwertyjazz
Wed Jun 24, 2020 9:37 am
Forum: Investing - Theory, News & General
Topic: A bond duration glide path for retirement investing
Replies: 53
Views: 3071

Re: A bond duration glide path for retirement investing

Intellectually your argument is correct to me. But emotionally I have trouble not believing that I am smarter than the market and interest rates just have to go up. I have convinced myself of the foolishness of such logic in stocks. I just have trouble thinking about locking in long duration bonds c...
by qwertyjazz
Tue Jun 23, 2020 8:43 pm
Forum: Personal Investments
Topic: Leverage While Young on Real Estate?
Replies: 27
Views: 1975

Re: Leverage While Young on Real Estate?

Risk of any leverage is that of being overextended. You have 2 sources of income - rental and salary. You might want to figure out each ones risk. How likely are you to lose job for x period of time? How likely are you to enter a downmarket where you have trouble renting at a price you want? How lik...
by qwertyjazz
Thu Jun 18, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: Figuring out your Asset Allocation
Replies: 28
Views: 2150

Re: Figuring out your Asset Allocation

How have you gone about determining your AA? Personally I'm big on using data to make informed decisions, so I made a bunch of spreadsheets to evaluate different asset allocation options. I share them here if you're interested: https://portfoliocharts.com/ Additionally, I read in an old book that y...
by qwertyjazz
Wed Jun 03, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Changes Coming to TSP Funds
Replies: 3
Views: 933

Re: Changes Coming to TSP Funds

Looks like these funds go live July 1. Anyone know where to find more detailed info on their glide paths? Especially L 2065 Thank you QJ Once they're live you should be able to see the glidepaths here: https://www.tsp.gov/InvestmentFunds/FundOptions/index.html Select the tab for the fund at the top...
by qwertyjazz
Tue Jun 02, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: Changes Coming to TSP Funds
Replies: 3
Views: 933

Re: Changes Coming to TSP Funds

Looks like these funds go live July 1. Anyone know where to find more detailed info on their glide paths? Especially L 2065

Thank you
QJ
by qwertyjazz
Mon May 25, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 370
Views: 31335

Re: The axe falls and I am prepared. What's next?

Ignore the stocks and just compare bonds to the mortgage - are you getting 3.5% return on the bond portion right now? qwertyjazz, Why should I? There is nothing there that makes your POV more valid than mine. I know that I am borrowing at 3.5% to invest in my 60/40 portfolio. I took a calculated ri...
by qwertyjazz
Sun May 24, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 370
Views: 31335

Re: The axe falls and I am prepared. What's next?

Ignore the stocks and just compare bonds to the mortgage - are you getting 3.5% return on the bond portion right now? if you sold the bonds and paid down the mortgage that is the return you would get - you are basically holding positive and negative bonds by holding bonds and a mortgage - you can ma...
by qwertyjazz
Sun May 24, 2020 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 370
Views: 31335

Re: The axe falls and I am prepared. What's next?

Tell me if I understand the question. I think the concern is if you do not keep up than you cannot reverse that decision. If the facts stay the same, then it is reasonable to retire. You seem not to enjoy the job for its own sake (means of making money). So what circumstances could mean that you wou...
by qwertyjazz
Sat May 16, 2020 7:25 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10751

Re: Please tell me I'm not crazy

There is something missing from all of this. A basic understanding of bonds and stock location. How much bonds do you have in retirement account? If you want to move them out during a market drawdown, then you sell stock to that amount and in your retirement account buy the same amount of stock. IMO...
by qwertyjazz
Mon Apr 27, 2020 9:52 am
Forum: Investing - Theory, News & General
Topic: Will the index funds save us?
Replies: 23
Views: 2525

Re: Will the index funds save us?

Actionable question I think. Is anti-trust a risk of holding a single fund or company? I have not seen that usually listed as reasons to diversify ownership among multiple companies Vamguatd Fidelity etc. Has the FTC even weighed in on something similar in the past?

Thank you
QJ
by qwertyjazz
Sun Apr 19, 2020 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Avoiding Gift Tax for Excess Contributions
Replies: 3
Views: 276

Re: 529: Avoiding Gift Tax for Excess Contributions

Are you married? It is 15 k per spouse
by qwertyjazz
Sun Apr 19, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36073

Re: Car Dealers not really wanting to make a deal

A lot of this probably comes down to how much fixed costs the dealers have in maintaining their lots and how much cash they have on hand to keep going. Anyone have any idea about how many months a dealer can survive if they cut back (on average)?
by qwertyjazz
Sun Apr 19, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: Does "Quantitative Easing" Lead to Higher Inflation?
Replies: 87
Views: 6063

Re: Does "Quantitative Easing" Lead to Higher Inflation?

Credibility might also be relative to other currencies and central banks. No one would have thought of China in the 1970s. If Africa and other countries continue to relatively grow in importance but have less credible central banks, does that allow increased QE without inflation in ‘safer currencies...
by qwertyjazz
Sun Apr 19, 2020 8:43 am
Forum: Investing - Theory, News & General
Topic: Negative interest rates and Present Value
Replies: 19
Views: 984

Re: Negative interest rates and Present Value

Given constant income, all thing equal, does that mean we should spend more money now and save less for the future? But how does the wealth effects of lower interest rates and uncertain employment and financial markets impact that? Are there good resources to read about this from a theoretical persp...
by qwertyjazz
Mon Apr 06, 2020 4:21 pm
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12723

Re: I am a Massive Loser

Contrarian response - stay out of the market until you calculate how much you spend a year - burn rate - have a really strong sense of how quickly you will be employable again
Than pick an AA you can live with for the next ten years - take it as a good job on adjusting AA when your world changed
by qwertyjazz
Fri Feb 14, 2020 6:23 am
Forum: Investing - Theory, News & General
Topic: Is there ever a scenario where bonds aren't safe?
Replies: 23
Views: 2138

Re: Is there ever a scenario where bonds aren't safe?

Bonds are based on the underlying government or company that pays them. So if the government tanks (Russian bonds pre-communist revolution. Venezuela bonds etc etc). Or as above they can still have value but interest rates increase at a rate so high that they are worth less than the interest you get...
by qwertyjazz
Thu Feb 06, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: Does 50x = 100% Equities?
Replies: 86
Views: 5527

Re: Does 50x = 100% Equities?

It could be justified on the basis of your exceptional ability to take risk. Obviously you don't have a need to do so and may or may not have the desire. Totally agree 100% on need and/or desire to take risk. I question the premise. If you are truly 50x your spend rate then why do you want the mone...
by qwertyjazz
Thu Aug 29, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can you use a graduate stipend to contribute to a 403b?
Replies: 7
Views: 291

Re: Can you use a graduate stipend to contribute to a 403b?

So HR might be allowing me to do this incorrectly? Social security is not with held. It is a classic graduate stipend, but HR for some reason is letting me contribute to a 403b
by qwertyjazz
Thu Aug 29, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can you use a graduate stipend to contribute to a 403b?
Replies: 7
Views: 291

Re: Can you use a graduate stipend to contribute to a 403b?

If it is subject to tax and to social security, yes, you can defer taxes and contribute to a TAX DEFERRED retirement plan, 403(b), IRA, or you can PAY THE TAX and contribute to a ROTH IRA. ROTH might be the best investment if you are in a very low federal tax bracket. If it is not subject to tax an...
by qwertyjazz
Thu Aug 29, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can you use a graduate stipend to contribute to a 403b?
Replies: 7
Views: 291

Can you use a graduate stipend to contribute to a 403b?

I am not sure how to find the correct IRS publication section or how to answer this. If you get a graduate stipend and HR allows it, can you use that funds to contribute to a 403b? I am not sure if it counts as income for 403b purposes Thank you Edited additions Social security is not withheld. No W...
by qwertyjazz
Wed Aug 21, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

Many on this board are making investment decisions of at least delayed consumption and career(s) for multiple decades hence. I am curious how you do not feel that these models are not actionable on a Bogleheads sense in those dimensions. I am not referring to investment strategies or AA or internat...
by qwertyjazz
Wed Aug 21, 2019 10:19 am
Forum: Personal Investments
Topic: Good investment, or bad business
Replies: 5
Views: 583

Re: Good investment, or bad business

20 percent return is an amazing thing. That is the problem. You know nothing about the billing business and assume your group and others will use it and outcompete local and national groups. You probably want a deeper dive into the business before investing IMO
by qwertyjazz
Wed Aug 21, 2019 5:39 am
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

The Foreign Affairs article you linked in the OP was discussing a book that took the most pessimistic of all the population forecasts in the charts above — and then extrapolated a lot of conclusions from them. Sure, the lowest growth variant they discuss is one possibility to consider, but not nece...
by qwertyjazz
Tue Aug 20, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

I think the world 30 years from now is utterly unimaginable and impossible to plan for with any precision. Automation may totally mute the importance of demographics. My philosophy is to own the robots via the world's stock markets rather than try to learn some fleeting skill to fix robots. I would...
by qwertyjazz
Tue Aug 20, 2019 1:19 pm
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

I think the world 30 years from now is utterly unimaginable and impossible to plan for with any precision. Automation may totally mute the importance of demographics. My philosophy is to own the robots via the world's stock markets rather than try to learn some fleeting skill to fix robots. I would...
by qwertyjazz
Tue Aug 20, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

I think the world 30 years from now is utterly unimaginable and impossible to plan for with any precision. Automation may totally mute the importance of demographics. My philosophy is to own the robots via the world's stock markets rather than try to learn some fleeting skill to fix robots. And if ...
by qwertyjazz
Tue Aug 20, 2019 6:16 am
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

A recent foreign affairs article has me rethinking a lot. With a decreasing population in first world countries, I can imagine a lower real return in capital from both bonds and stocks. This would shift me to rather spend money today than tomorrow with decreasing compounding over decades. It may al...
by qwertyjazz
Mon Aug 19, 2019 11:04 pm
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

You have brought up my personal favorite investing topic :D A recent foreign affairs article has me rethinking a lot. With a decreasing population in first world countries, I can imagine a lower real return in capital from both bonds and stocks. This would shift me to rather spend money today than ...
by qwertyjazz
Mon Aug 19, 2019 10:45 pm
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

OP, If you save 1 year of expense every year, you can get to your FI's number in 25 years or less. The real return rate could be really low or close to zero. But, I assume that is not the answer you are seeking. You are hoping for some other silver bullet. KlangFool If real returns are zero, FI is ...
by qwertyjazz
Mon Aug 19, 2019 10:33 pm
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

OP, If you save 1 year of expense every year, you can get to your FI's number in 25 years or less. The real return rate could be really low or close to zero. But, I assume that is not the answer you are seeking. You are hoping for some other silver bullet. KlangFool If real returns are zero, FI is ...
by qwertyjazz
Mon Aug 19, 2019 10:29 pm
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

The question is whether in the next 40 years total returns will become closer to flat including the lead up years. In which case, substitution effects of trading a dollar today for a dollar tomorrow will have me spend more today. Also, saving more might not be sufficient requiring longer work. Of co...
by qwertyjazz
Mon Aug 19, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Re: Help me think through demographic trends change my savings rate and life long investment in human capital

I do agree that highly developed economies will either need to think about growth differently OR "import" population growth by making immigration easier (more likely imo). I see no reason why economies should shrink any time soon when there are still many people wanting to leave their countries of ...
by qwertyjazz
Mon Aug 19, 2019 9:06 pm
Forum: Investing - Theory, News & General
Topic: Major CEOs say shareholder value is no longer their main objective
Replies: 11
Views: 1446

Re: Major CEOs say shareholder value is no longer their main objective

Shareholder primacy is a relatively recent development, only since the late 80s has it been au courant. http://umich.edu/~thecore/doc/Friedman.pdf The argument only dates in popular press to Sep 13 1970 article by Milton Friedman by sone accounts. Then in the 1980’s ‘greed is good’ truly took off IMO
by qwertyjazz
Mon Aug 19, 2019 8:55 pm
Forum: Investing - Theory, News & General
Topic: Help me think through demographic trends change my savings rate and life long investment in human capital
Replies: 53
Views: 3065

Help me think through demographic trends change my savings rate and life long investment in human capital

A recent foreign affairs article has me rethinking a lot. With a decreasing population in first world countries, I can imagine a lower real return in capital from both bonds and stocks. This would shift me to rather spend money today than tomorrow with decreasing compounding over decades. It may als...
by qwertyjazz
Tue Jun 25, 2019 7:27 pm
Forum: Personal Investments
Topic: Why does AA matter as long as I stick to it?
Replies: 26
Views: 3036

Re: Why does AA matter as long as I stick to it?

OP, You are probably correct that sticking to an AA is probably a larger driver of return than picking the individual AA. But as the responses indicate, if it is maintained, the AA choice is next in importance. If you panic sell and chase the market to buy, it does not matter what you are AA is othe...
by qwertyjazz
Fri Jun 21, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 44
Views: 5296

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

Money is what a group of people decide is money and use as such. Libra might become such. In parts of Africa, time cards for phone calls are used to buy multiple goods. To me, the classic study is that of cigarettes in a POW camp. Libra will have use on Facebook and as such it might have use outside...
by qwertyjazz
Tue May 07, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: point of maximal pessimism for international investing
Replies: 66
Views: 6495

Re: point of maximal pessimism for international investing

I'm for 100% USA. In fact, I refuse to hold index funds because I've recently learned that many US firms actually do business in non-USA countries, depressing returns. This shocking fact has led me to craft a pure "America First" portfolio. I only purchase USA based companies that refuse to do busi...
by qwertyjazz
Mon May 06, 2019 1:57 pm
Forum: Personal Investments
Topic: Selling in MAY and ....... ?
Replies: 18
Views: 2287

Re: Selling in MAY and ....... ?

Thesaints wrote:
Sun May 05, 2019 5:54 pm
ResearchMed wrote:
Sun May 05, 2019 5:53 pm
Thesaints wrote:
Sun May 05, 2019 5:48 pm
It rhymes; it must be true.
But this ^^ didn't rhyme... :?:

RM
That means I'm wrong ;)
If it is a rhyme then it is time
by qwertyjazz
Sun Mar 17, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 906
Views: 124133

Re: That's enough for me in 2019

The actionable part is that MT has done well throughout. Income and savings rate are in some ways much more important than investments. This board has a very high percentage of people with degrees, good jobs and tastes that do not extend beyond their income. Leverage - don’t leverage —- internationa...
by qwertyjazz
Thu Feb 28, 2019 7:08 pm
Forum: Personal Investments
Topic: Military Family- AA HELP!! Restructure HELP to GOALs
Replies: 9
Views: 720

Re: Military Family- AA HELP!! Restructure HELP to GOALs

You state your goal is a number. 1 million dollars (cue Dr Evil) by 35 - that would make you winners? You might want to restate goals and then aim for money/risk you want to take to get there etc. Are you looking to retire early? Do you want to both do 20? Do you want to work after service? etc etc ...
by qwertyjazz
Wed Feb 06, 2019 7:17 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 115
Views: 10007

Re: If you are old, why bother with rebalancing!!?

What event lead the OP (livesoft) to this inspiration/revelation? Or has OP decided not to care anymore? I've read a few "help me with my portfolio" threads in the past few weeks from retirees in their late 60's or older who have been worried about managing their portfolios or want to dis-engage fr...
by qwertyjazz
Sat Feb 02, 2019 7:07 am
Forum: Investing - Theory, News & General
Topic: The "never sell" method for staying the course
Replies: 28
Views: 3920

Re: The "never sell" method for staying the course

This seems to me to be a mostly reasonable strategy. There is not a rebalancing bonus (mostly except in certain specific conditions). You spend money in dollars not percentages so an AA does not actually control you ‘risk’ as to do so would have to account in some way for wealth. The big question is...
by qwertyjazz
Sun Jan 27, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: Emergency Fund
Replies: 24
Views: 2542

Re: Emergency Fund

If the only way to fund a Roth is that it acts as the EF, it is far better to do so than not fund it. You lose the space each year you do not fund it. If you worry about having to raid principle then simply leave it in a money market fund. Adjust that based on risk of having to withdrawl +1 on Check...