Search found 146 matches

by JamalJones
Fri Mar 08, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 4810

Re: Any liveaboards here?

My husband and I are thinking about living aboard a sailboat (probably a catamaran) when he retires. All of this is just speculating/dreaming right now. ... I realize that boats are money pits, but they are also a way of life and have given us great joy and wonderful memories with our kids. Ahhhh, ...
by JamalJones
Wed Mar 06, 2019 1:48 pm
Forum: Personal Investments
Topic: 42, Portfolio Checkup, College Savings Question
Replies: 9
Views: 1227

Re: 42, Portfolio Checkup, College Savings Question

1&2 look fine to me. The contribution amount for the 529’s looks good too. I am less sure about you reaching you 2.5 million goal by age 65. It’s possible, but feels like a bit of a stretch... * Current Portfolio: $625,000.00 * New annual contributions to 401(k) + taxable account: $48,740.00 * Year...
by JamalJones
Wed Feb 27, 2019 6:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ups the Ante in an ETF Race to Zero - Fees are coming down on seven ETFs
Replies: 97
Views: 9210

Re: Vanguard Ups the Ante in an ETF Race to Zero Fees are coming down on seven ETFs, with combined assets of more t

Interesting that ETF expense ratios are lower for some funds than Admiral shares. Strong reason to purchase ETF versus Admiral. Seems like Vanguard is pushing holders to ETFs based on expense ratio pricing. Why? It was clear from some of the annual reports this fall that this was coming. My theory ...
by JamalJones
Wed Feb 27, 2019 4:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ups the Ante in an ETF Race to Zero - Fees are coming down on seven ETFs
Replies: 97
Views: 9210

Re: Vanguard Ups the Ante in an ETF Race to Zero Fees are coming down on seven ETFs, with combined assets of more t

Interesting that ETF expense ratios are lower for some funds than Admiral shares. Strong reason to purchase ETF versus Admiral. Seems like Vanguard is pushing holders to ETFs based on expense ratio pricing. Why? It was clear from some of the annual reports this fall that this was coming. My theory ...
by JamalJones
Tue Feb 12, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 59
Views: 9034

Re: New era for TSP "I" Fund?

Anyone have information on the timeline for competing I Fund management? I can't find where I originally saw it, but about a month ago or so I saw where Ravi Deo (TSP Executive Director) said that the transition for the I fund to the new benchmark won't be fully completed until ~ 2020. Not "sometim...
by JamalJones
Sun Feb 10, 2019 12:25 pm
Forum: Personal Investments
Topic: Fidelity ZERO YTD Performance
Replies: 33
Views: 4468

Re: Fidelity ZERO YTD Performance

—- Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX): Year-to-date: 8.97% :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag Pissing conte...
by JamalJones
Sat Feb 09, 2019 2:42 am
Forum: Personal Investments
Topic: Fidelity ZERO YTD Performance
Replies: 33
Views: 4468

Re: Fidelity ZERO YTD Performance

—- Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX): Year-to-date: 8.97% :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag :moneybag
by JamalJones
Fri Feb 01, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: TSP Thrift Savings Plan expense ratio climbs to 0.04%
Replies: 26
Views: 2988

Re: TSP Thrift Savings Plan expense ratio climbs to 0.04%

Anymore it seems the edge offered by the TSP is mostly the G fund. If the threats to scale its yield back to money market like ever materialize I will likely roll over my legacy account just to simplify things. +1 I completely agree with you. The G fund is now the primary reason to stay in the TSP....
by JamalJones
Fri Feb 01, 2019 4:00 pm
Forum: Investing - Theory, News & General
Topic: TSP Thrift Savings Plan expense ratio climbs to 0.04%
Replies: 26
Views: 2988

Re: TSP Thrift Savings Plan expense ratio climbs to 0.04%

I was wondering when TSP was going to post their 2018 ERs.... Man, just a few years ago having TSP + Vanguard would ensure you the lowest expense ratio out there. No longer the case. Now my combined ER just keeps creeping up and up.... Like the OP said, more bells and whistles for the TSP so they'll...
by JamalJones
Mon Jan 28, 2019 2:40 am
Forum: Personal Consumer Issues
Topic: Amazon marketplace delivery problem: who is to blame?
Replies: 11
Views: 970

Re: Amazon marketplace delivery problem: who is to blame?

I’ve had two packages delivered that I never received. I just contacted FedEx, explained the situation, I got a claim number from them, which I’ve then relayed to the vendor… And then that vendor just sent me a new package free of charge. Also, I just found it hilarious that Uncle Scrooge and Huey, ...
by JamalJones
Sun Jan 27, 2019 11:11 pm
Forum: Personal Investments
Topic: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equity?
Replies: 75
Views: 8231

Re: Investment experts predict that US equity will return -4.1% to 2.6% over the next decade. Time to get out of US equi

-4.1% nominal return for TEN YEARS??? lol, no. I am literally betting 80% of my net worth that wont happen. Bro, the article is talking REAL not nominal. That would equal a 34% real DECREASE through 2028. That $1 million you have? By the end of 2028 you’ll have $728,000…( assuming 20% of your portf...
by JamalJones
Wed Jan 23, 2019 12:49 pm
Forum: Personal Investments
Topic: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right
Replies: 54
Views: 3487

Re: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right

Haha! These were both great! :beer 2) If everybody flushed their toilets at the same time it would cause chaos. According to "if-everyone" reasoning, for the good of humankind, you should not ever flush your toilet, or you should at least feel guilty about it. If the entire human population of Earth...
by JamalJones
Tue Jan 22, 2019 7:27 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 59
Views: 9034

Re: New era for TSP "I" Fund?

So has anyone done a back-cast to compare the performance difference between these two different benchmarks over the past 10-20 years? 03/26/2008 to 01/21/2019: Less than $4.00? Wow. And the "old" index out performed..... http://quotes.morningstar.com/chart/fund/chart?t=ACWX®ion=usa&culture=en-U...
by JamalJones
Tue Jan 22, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 59
Views: 9034

Re: New era for TSP "I" Fund?

From respected Bogleheads MnD who follows the TSP closely, MnD wrote yesterday in a different thread: Later this year you will be able to roll your own Total World at 53/47 or whatever it is then with TSP C, S and I for an overall ER of 0.03%, assuming the I fund contract holds to 0.03% at renewal....
by JamalJones
Tue Jan 22, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 59
Views: 9034

Re: New era for TSP "I" Fund?

As of January 1st the TSP "I" Fund will be very different from what it has been before... Specifically, more comprehensively International (I). Do you have a source for that date? I have not yet seen a specific calendar day cited for the planned index change. +1 The news stories I've seen all indic...
by JamalJones
Tue Jan 15, 2019 2:36 am
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31427

Re: Funniest movies of all time? Name five of your favorites...

* Naked Gun
* Planes, Trains and Automobiles
* The Hangover
* Forgetting Sarah Marshall
* Old School

Honorable mention
* Space Balls
* Three Amigos
by JamalJones
Fri Jan 11, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9908

Re: Did you ever "win" big?

Bought 100 shares of Amazon for $6,000 in 1999. Still holding and now worth $164,000. This is the only individual stock that we own and never plan to buy individual stocks again! My mom sold this house to this one woman who paid cash for it. This woman felt the need to explain how she could do that...
by JamalJones
Tue Jan 01, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 15210

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

2019 S&P 500 value at year end: 2218.56
by JamalJones
Tue Jan 01, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: Total world allocation?
Replies: 4
Views: 634

Re: Total world allocation?

Tried a few searches and wasn’t quite able to find what I needed. Wondering what the asset allocation is and total $ invested is for all investors in the world combined. Does anyone have a good source for that information? This is a few years old, but I think it’s what you’re looking for… Obviously...
by JamalJones
Sat Dec 29, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 14069

Re: Vanguard Founder Jack Bogle Says It’s Time to market time

What Mr. Bogle didn’t say is pretty important. Per forum rules, I will also not say it. ;) I agree. Although I wish Mr. Bogle had said those things. For those of us utterly confused, could you perhaps point to the forum rule you’re referencing? I’m thinking they’re vaguely referencing politics and ...
by JamalJones
Thu Dec 27, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: Is there any Low Risk 4 % Return
Replies: 52
Views: 6559

Re: Is there any Low Risk 4 % Return

patrick wrote:
Wed Dec 26, 2018 10:02 pm
I get 6.17% with very low risk on my Digital Credit Union savings account.

Unfortunately it has a $1,000 maximum for that return.
As Nelson Muntz would say: “Ha-ha!”
by JamalJones
Mon Dec 24, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 14903

Re: All the "should I be 100% stocks" threads over the last year.

1. Those who are 100% stocks, unless you have stomachs of cast-iron and nerves of steel, I find it hard to believe these are seven-figure portfolios. It really is all about how much money you truly have at risk, so it would be nice if people who make it more clear the magnitude of what 100% equitie...
by JamalJones
Thu Dec 13, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6503

Re: Early retirement mistakes???

VictoriaF wrote:
Thu Dec 13, 2018 11:01 am
4. Be well-organized, keep a tight calendar, be productive, do not waste time.
Victoria
I feel like you're an east coaster...? And not southeast coast but somewhere between NYC and Wash D.C.? I never knew any SoCal or Midwestern retires with that mindset. :beer
by JamalJones
Tue Dec 11, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 17530

Re: Too Much Savings Regret

pdavi21 wrote:
Fri Nov 30, 2018 5:52 pm
I am an ultra-aggressive saver, and honestly I sometimes regret getting married and having kids because it slowed down my saving.
Oh my god! What? :D :shock: :D
by JamalJones
Thu Dec 06, 2018 3:07 pm
Forum: Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12248

Re: 20M Inheritance - What is best option for small/no risk on principle?

__ $20,000,000!? That's some hardcore money! Why not 95/5 or 90/2.5/2.5 (equities/bonds/CDs)? I mean, if the market drops 55%, you'd still have over $10,000,000 and it would bounce back - likely in 1-3 years. You would be much better of in the long term if you did something like: 90%/95% Total US Ma...
by JamalJones
Mon Nov 26, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: I'm so CHEAP! Don't think it is healthy.
Replies: 36
Views: 6985

Re: I'm so CHEAP! Don't think it is healthy.

Cycle wrote:
Sun Nov 25, 2018 2:42 pm
I don't eat lunch or breakfast during the week, they are unnecessary.
Um...What?
by JamalJones
Thu Nov 15, 2018 7:43 pm
Forum: Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6980

Re: Strategy during the last stock market decline

My strategy during the last downturn was to automatically invest in the same funds/ETFs in my TSP and Roth IRA as I had during the previous downturn and upturn. HOWEVER....During this bull market my strategy was to automatically invest in the same funds/ETFs in my TSP and Roth IRA as I had during th...
by JamalJones
Tue Oct 30, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 5004

Re: Calculating ROI for PhD

Don't get a PhD for the ROI. Do it so you can study what you want and never have a boss. +1 I don't have a PhD, but my friend who does, said this exact same thing. He teaches at a college and, yeah, he said he's his own boss, basically...Although, he's doing reasonably well money wise...
by JamalJones
Sun Oct 14, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 10094

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

I think getting a job as a substitute teacher is one of the best retirement jobs you could have (obviously my opinion). I had this job for about 8 months after I graduated college. And it paid $75 per day you subbed (that was in a small rural school district 20 some years ago). I remember thinking a...
by JamalJones
Thu Sep 27, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26460

Re: What is your single most expensive mistake?

PhD.. Can you elaborate? Did it have to do with the lost years of low pay and not being able to save anything for a decade or so? Just wondering because I have a few PhD friends and they regularly complained about the peasant grad school wages and that they weren't saving anything when they were in...
by JamalJones
Wed Sep 26, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26460

Re: What is your single most expensive mistake?

About 15 years ago, I did a short-term work assignment overseas that lasted four months. It was fairly lucrative by my standards. After taxes I had roughly $25,000 in my savings account upon my return. However, because my actually salary was low, I spent those early years of my career coasting on fu...
by JamalJones
Wed Sep 26, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 107035

Re: How much money do you need to retire?

I'm 33 and husband is 39 and we need $3MM to retire in 5-7 years (plus to have paid off all debts including rental property mortgages). Target is to have $150k a year when we retire (not including social security income which would kick in later and be used for increased healthcare costs as we age)...
by JamalJones
Sun Sep 23, 2018 7:54 pm
Forum: Personal Investments
Topic: Im going to die somewhere between Bankruptcy and $20 million
Replies: 46
Views: 9854

Re: Im going to die somewhere between Bankruptcy and $20 million

[(removed) --admin LadyGeek] With 750k at 33, you are in the .1%. Quit reading financial forums, running portfolio visualizers, and humble bragging to a bunch of strangers. You could probably retire at 40. If you cant retire at 55, most won't be able to retire at 90. I am done with this place for a...
by JamalJones
Thu Sep 20, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26460

Re: What is your single most expensive mistake?

I've never made a financial mistake. A moderate amount of planning and use of logic before decisions with significant financial impact helps enormously. I have plenty of time to make a mistake though, so that's great. Sounds like you meant to post in the "I've never made a financial mistake!" threa...
by JamalJones
Wed Sep 19, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26460

Re: What is your single most expensive mistake?

I've never made a financial mistake. A moderate amount of planning and use of logic before decisions with significant financial impact helps enormously. I have plenty of time to make a mistake though, so that's great. Sounds like you meant to post in the "I've never made a financial mistake!" threa...
by JamalJones
Wed Sep 19, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26460

Re: What is your single most expensive mistake?

Probably not my most expensive mistake, but certainly the one I remember the most :-) Got laid off from my engineering job and instead of paying my neighbor to cut my grass (he was in the mowing business and did a brilliant job once a month for $25), I decided I would save money and do it myself. M...
by JamalJones
Wed Sep 19, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26460

Re: What is your single most expensive mistake?

Buying a boat. Bought a new custom $100,000 27' SeaSport Seamaster set up as a dive boat for SE Alaska together with a friend of mine. We had some good adventures on it and sold it a few years later after we both got married for perhaps a $40,000 loss considering all we had in it. You know what I t...
by JamalJones
Fri Sep 14, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3798

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

As I've mentioned at least twice before, Vanguard, I believe, will lower ERs eventually. They don't have to match Fido's zero ERs. All then need to do is lower them a bit (I don't know what "a bit" would be, but a 25%-66% reduction for many of their ETFs/Mutual Funds would be a good start!) There's ...
by JamalJones
Wed Sep 12, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 110770

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I guess it depends on which asset class of international we're talking about:

Image

Also, I think Commodities have been the real disater! :shock:

(all return data is from https://www.portfoliovisualizer.com/)
by JamalJones
Tue Sep 11, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4935

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

The minimums are a complete non issue. Just buy ETFs... If you MUST own a mutual fund, they are at most, a factor in the first year or three of an investors life and after that they become irrelevant. Even then there are decent Life strategy funds with low minimums. The expense ratio is a small iss...
by JamalJones
Fri Sep 07, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 292
Views: 58250

Re: I'm Calling an Emerging Markets Bottom

After peaking in January, they've been on a steady decline all year. That is not a true statement. There were some nice 4% to 6% pops this year after January. That is, the decline has not been steady. Emerging markets is very volatile, so it fluctuates. By "steady decline" I meant that it has had a...
by JamalJones
Tue Sep 04, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 7668

Re: Emergency fund size

+1 , On some level all of your assets and credit lines are an 'emergency fund'. This is our approach. We have not had an emergency fund for the last 25 years. Same here. We were blessed with stable employment when we worked. When much younger, I knew we could draw on Bank of Dad. Now we are in reti...
by JamalJones
Fri Aug 10, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 11556

Re: The Bigger Story: Fidelity Expense Ratios

Folks should evaluate the funds carefully on a case-by-case basis. I just spot-checked the emerging markets funds, for example. The two funds are not the same. The Vanguard fund (VEMAX, ER=0.14%) is an all-cap index fund with over 4000 holdings and around 82% emerging markets exposure by Morningsta...
by JamalJones
Tue Aug 07, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16725

Re: Will you pay for your kids' college/graduate education?

Both my wife and I had parents who supported our education. Neither of us did any jobs while getting an education. My daughter graduated from high school in 2010 and it is anticipated that by June 2019 she will have BSc, MD, MPH degrees and will start a medical residency and then support herself. W...
by JamalJones
Tue Aug 07, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16725

Re: Will you pay for your kids' college/graduate education?

One thing I did get out of all those burdens was some street cred. What I mean is, I could lord over people the fact that I did everything on my own. I paid for everything and took no money from my parents. I would tell this to people when the subject arose. I enjoyed telling this to people who I k...
by JamalJones
Tue Aug 07, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16725

Re: Will you pay for your kids' college/graduate education?

I do agree that, if parents can afford it, they should pay some or all of their children’s college/grad school. JamalJones, << if parents can afford it, >> I would like to understand what do you mean by that. If someone like me is struggling to pay for my kids' college education, then, almost 90+% ...
by JamalJones
Tue Aug 07, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16725

Re: Will you pay for your kids' college/graduate education?

I do agree that, if parents can afford it, they should pay some or all of their children’s college/grad school. Why put them at a disadvantage? When you graduate college you're at a point where your income is (likely) the lowest it will ever be and your debt burden (likely) is the highest it will ev...
by JamalJones
Mon Aug 06, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 85907

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I still think that by January, Vanguard will have reduced their ERs to match Fidelity or at least to simply reduce what they are now.
by JamalJones
Mon Aug 06, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 76
Views: 14771

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

I have rented all my life and consider it one of the best financial and life choices I have ever made. Buying a home is not just buying a real property, it's also acquiring a pressure to spend money on interior design, renovating, buying new curtains, furniture, etc. Home ownership also takes more ...
by JamalJones
Fri Aug 03, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 85907

Re: Fidelity lowers Expenses on existing Funds

Still sticking with Vanguard. Plus, you can now buy Schwab, Black Rock, etc. ETFs commision free at Vanguard. And I'm sure Vanguard will lower their ERs at some point in the near future anyway.