Search found 1119 matches

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: 254

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: 254

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: 254

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: 2860

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: 556

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: 2860

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: 2860

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: 2860

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: 2860

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: 2860

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: 2860

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: 2860

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: 2860

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: 2860

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: 2860

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: 1410

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: 2860

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: 2791

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: 4821

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: 6071

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: 2150

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: 817
Views: 100168

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: 678

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: 114
Views: 8573

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: 3767

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: 2485

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...
by qwertyjazz
Sat Jan 26, 2019 6:13 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 74
Views: 13977

Re: Set it and forget it

You'll be a better investor when you forget about your investments, providing you pick decent ones from the start. Out of curiosity, I wonder if there are any here who genuinely never look at their portfolio. I strongly doubt that anyone here does, if for no other reason than to ensure that all con...
by qwertyjazz
Sun Jan 20, 2019 4:50 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 46
Views: 2314

Re: Is using an Asset Allocation Mental Accounting?

Investing is not a science and should not be treated as such. Investing is very much a science. It's just that for a long time the focus has been on studying the securities being bought and sold rather than the people who were doing the buying and selling. The fact that humans are emotional and not...
by qwertyjazz
Sat Jan 19, 2019 10:53 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 46
Views: 2314

Re: Is using an Asset Allocation Mental Accounting?

TheTimeLord, I'm not sure where you're going on this. I will say, and have said, that during 2008-2009 I found that I was thinking of the downturn, not as a percentage loss, and not as a dollar loss, but as a loss of years of patient savings and progress toward our goal. The experience was not "my ...
by qwertyjazz
Fri Jan 11, 2019 6:47 am
Forum: Investing - Theory, News & General
Topic: Salary, Portfolio size, and Asset Allocation
Replies: 33
Views: 2980

Re: Salary, Portfolio size, and Asset Allocation

No really read ‘are you a stock or a bond?’ https://www.kitces.com/blog/investing-around-human-capital-is-your-clients-career-a-stock-or-a-bond/ Above is a review AA is just a model - need ability willingness to take risk is a very fuzzy concept You may wind up at the same point as with the fuzzy mo...
by qwertyjazz
Thu Jan 10, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: Salary, Portfolio size, and Asset Allocation
Replies: 33
Views: 2980

Re: Salary, Portfolio size, and Asset Allocation

See stuff on ‘are you more a bond or stock?’ You do not get paid unless you keep your job so you need to count your analysis as to whether you are tenured faculty at a university or in sales etc
You also need to think through correlation of future income and changes in the stockmarket
by qwertyjazz
Wed Jan 09, 2019 6:24 am
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 103
Views: 16031

Re: Talk me out of a 60/40 AA

Until this discussion, the key point I understood in picking an AA was in essence to protect the investor from doing something stupid during a market downturn. This quoted all over the place with an expectation of 50% reduction in value in equities with bonds in theory maintaining value. Based on t...
by qwertyjazz
Sun Jan 06, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 6949

Re: Who has the highest allocation to international stocks?

JoMoney wrote:
Sun Jan 06, 2019 7:02 am
If I'm currently living outside the U.S., can i count my S&P 500 index fund as being 100% international?
Yes but single country risk
You might want to consider diversifying risk :wink:
by qwertyjazz
Tue Jan 01, 2019 6:04 pm
Forum: Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1917

Re: Anyone else in frontier markets?

The total market capitalization of the MSCI Frontier Markets Index ) is $0.112 trillion. The total market capitalization of the FTSE Global All-Cap Index is $49 trillion. Just to be clear, we are talking about putting 4% 2% of a portfolio into 0.23% of the world's stocks. Frontier markets. Tall tal...
by qwertyjazz
Sun Dec 30, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school & savings & student debt?
Replies: 39
Views: 2802

Re: Can we afford private school & savings & student debt?

At your income you can but not with your expenses - are you willing to travel less, move into a studio etc? How important is your child’s private school education to you? Then work backwards. At your income you can afford most things but not everything together
by qwertyjazz
Sat Dec 29, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay off med school loans
Replies: 18
Views: 1691

Re: Best way to pay off med school loans

A gaurenteed 6.8 % return is pretty great. I would probably take the hit from the tax deferred space and just pay off her loans first. You should be able to pay her loans off in a couple of years. Then while having the higher income of 2 MDs and putting money into retirement accounts, you can still ...
by qwertyjazz
Thu Dec 27, 2018 10:08 pm
Forum: Personal Investments
Topic: Vanguard Dollar Cost Averaging - Any way to do it more frequently?
Replies: 21
Views: 1703

Re: Vanguard Dollar Cost Averaging - Any way to do it more frequently?

The Carson article describes monthly DCA. Given TLH only requires clicking a button for each lot when selling and taxes are handled en made by Vanguard, pushing it to daily or shorter would increase TLH capabilities and potentially further smooth out DCA further. If with ETFs and planning to DCA and...
by qwertyjazz
Wed Dec 26, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: What’s your TLH Strategy [Tax Loss Harvest]
Replies: 42
Views: 2893

Re: What’s your TLH Strategy

livesoft wrote:
Mon Dec 24, 2018 12:52 pm
I look to see if I have losses to TLH on days that are RBDs.
I asked this on another thread. But I saw this. How do you continue to TLH and buy on RBDs without having to own a ridiculous number of funds?
Thank you
QJ
by qwertyjazz
Wed Dec 26, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: How many funds for TLH for an accumulator - logistics
Replies: 2
Views: 192

Re: How many funds for TLH for an accumulator - logistics

You cannot "continue to invest intermittently" while tax loss harvesting. If you want to claim a capital loss on a sale, you must avoid buying or selling any "substantially identical" fund for 31 days before AND after your TLH. This thread is helpful: https://www.bogleheads.org/forum/viewtopic.php?...
by qwertyjazz
Wed Dec 26, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: How many funds for TLH for an accumulator - logistics
Replies: 2
Views: 192

How many funds for TLH for an accumulator - logistics

So I am new to tax loss harvesting and wound up with only a pair of funds. The problem I ran into was trying to tax loss harvest losses in both funds while continuing to invest intermittently. I want to both sell and buy in each fund of the pair. What are the logistic tricks for this? Is there an op...
by qwertyjazz
Wed Dec 26, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: 100% stocks vs 80% just to rebalance? (Edit: Inside retirement accounts)
Replies: 24
Views: 2647

Re: 100% stocks vs 80% just to rebalance?

There have been decade long periods where cash has outperformed stocks. On average stocks have outperformed in the past, but there are no gaurentees for them to continue to do so, yet alone any time period. If you are willing to go across countries and centuries (1800’s to 1900’s), the periods of st...
by qwertyjazz
Wed Dec 26, 2018 8:52 am
Forum: Personal Investments
Topic: Options for CD interest payments at Vanguard?
Replies: 9
Views: 675

Re: Options for CD interest payments at Vanguard?

Check out the settlement rates currently. It is not a bad deal if you expect rates to rise and do not want to be stuck with long term CDs while waiting to buy new ones
by qwertyjazz
Sun Dec 23, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 2075

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

Have her check state laws in whatever states she will likely wind up in in terms of independence practice. Make sure she is trained in CBT and EMDR either with coursework or afterwords. Ask about how they arainge post schooling practice to gain hours. I have only seen both from the outside once they...
by qwertyjazz
Sun Dec 23, 2018 7:58 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2553

Re: Fidelity T Bill Auto-roll,please critique

Earlier this month, I started buying 4 week Tbills, buying one fourth of the total purchase every week. Rates are about the same for the 4 week, 8, week, and 13 week so like the greater liquidity of the 4 week auto roll. https://www.treasury.gov/resource-center/data-chart-center/interest-rates/page...
by qwertyjazz
Sun Dec 23, 2018 7:47 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2553

Re: Fidelity T Bill Auto-roll,please critique

Why not use Vanguard Treasury money market? good point. i started out rolling tbils that fidelity and ended up in Vanguard treasury money market. I appreciate the input on having to call to cancel. I am leaning towards Vanguard treasury money market at this point. A couple factors of potential acco...
by qwertyjazz
Sun Dec 23, 2018 7:43 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2553

Re: Fidelity T Bill Auto-roll,please critique

stlutz wrote:
Sat Dec 22, 2018 10:45 am
Why not use Vanguard Treasury money market?
Because I had not thought of it. The $450 a year cost for 500k with fees of 0.09% is probably worth the advantage in liquidity and headaches.
Thank you
QJ
by qwertyjazz
Sat Dec 22, 2018 10:42 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2553

Re: Fidelity T Bill Auto-roll,please critique

Why not go to Merrill Edge and snag $900 bonus with $200k of that amount? With that, if you have Bank of America credit cards, you will get 75% bonus on the rewards. You can buy TIPS or Money Market funds through ME if you are worried about safety of your principal. I had been worried about their a...