Search found 161 matches

by JamalJones
Tue Oct 08, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8701

Re: Apple iPhone iOS 13 Discussion

I'm very pleased with the call silencing feature that you can enable for all those spam calls. I like not being awoken in the morning with those calls. That's a start. But why not go further? I'm hoping in future iOS releases there's an option to not even see the "missed call" notification. Just sho...
by JamalJones
Wed Oct 02, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: Recessions and Depressions grouped by GDP contraction
Replies: 13
Views: 1353

Re: Recessions and Depressions grouped by GDP contraction

How are you preparing for this upcoming depression? Are you in cash and gold? I realize that was tongue in cheek but even then, why would I be cash and gold for something atleast a decade away even by my own prediction? I'm a worrier. I worried that, perhaps, you were all in on some "depression pro...
by JamalJones
Wed Oct 02, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Recessions and Depressions grouped by GDP contraction
Replies: 13
Views: 1353

Re: Recessions and Depressions grouped by GDP contraction

I think in another decade, current deficit spending, fiscal spending on Social security+ medicare will cross over to form the perfect storm for another depression. Higher taxes will get eaten by increase in "net interest payments". This will leave government helpless to stimulate. To be honest, at ...
by JamalJones
Thu Sep 05, 2019 2:36 pm
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 12515

Re: Learnings/Regrets from last two recessions

Learnings? I'm assuming you meant lessons. I didn't sell, and I bought more. My regret is that I bought at a normal pace. I think part of the hunger for bad financial news is that we wish we could go back to March 2009 and back up the truck. "Learning" as a noun makes my skin crawl every time I hea...
by JamalJones
Thu Sep 05, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Career change at 36- Finance to Nursing/PA?
Replies: 40
Views: 3854

Re: Career change at 36- Finance to Nursing/PA?

I personally wouldn't. Sounds like a grass is greener on the other side kind of a situation. Are you really considering a 4 year BSN, which means cost of education and opportunity cost? If you go to part time work, your opportunity cost could easily be north of 200k, and that doesn't even take into...
by JamalJones
Thu Aug 15, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11293

Re: Ponder this, BH's... is Ben & Jerry's worth it?

It was worth it for me - many years ago... The regional grocery store chain in the city I lived in during the early 2000s would have B&J's ice cream on special in the winter - 2 pints for $5!! I used to go once a week to buy those pints, then go home and eat them in one sitting! I weighed 40lbs more...
by JamalJones
Mon Aug 12, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11075

Re: Healthy fast food

Here you go!

● Just Salad
● Protein Bar
● Subway
● Chipotle
● Veggie Grill
● Tender Greens
● Panera Bread
● Noodles & Company
● LYFE Kitchen
● Sweet Green
by JamalJones
Fri Jul 19, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 216
Views: 20839

Re: Has anyone seen the documentary "Playing with FIRE?"

mptfan wrote:
Fri Jul 19, 2019 1:05 pm
Valuethinker wrote:
Fri Jul 19, 2019 9:27 am
And life expectancies are now reaching over 100 (at least for middle class professionals).
Do you have a cite for that?
Haha! Yeah, I was thinking that too.... No way any significant number of "middle class professionals" are living to 100 or above. Check this out...
by JamalJones
Tue Jun 25, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 17849

Re: what was your worst major purchase mine is a 2019 mazda3

\ No. I put the ex through school, often working 2 jobs while in school myself. She didn't earn a penny during our 5yrs of marriage. Wow. Does she at least give you free dental care? I honestly don't know (and don't care) if she is practicing. This is exactly why I suggest people pause when they wa...
by JamalJones
Fri Jun 07, 2019 5:42 pm
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 8379

Re: US stocks still look better than anywhere else

https://www.bloomberg.com/news/articles/2019-06-04/u-s-stocks-still-look-better-than-anywhere-else?srnd=premium And you know what outperformed all of those portfolios over that time period (i.e. 2000-2009)? Gold. But we don't see many threads like "You should diversify your U.S. stock holdings with...
by JamalJones
Fri Jun 07, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 8379

Re: US stocks still look better than anywhere else

While American outperformance continues to defy history, the rest of the world remains trapped in a bear market. https://www.bloomberg.com/news/articles/2019-06-04/u-s-stocks-still-look-better-than-anywhere-else?srnd=premium The U.S. is about to celebrate 10 years of uninterrupted economic growth, ...
by JamalJones
Fri Jun 07, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 8379

Re: US stocks still look better than anywhere else

While American outperformance continues to defy history, the rest of the world remains trapped in a bear market. https://www.bloomberg.com/news/articles/2019-06-04/u-s-stocks-still-look-better-than-anywhere-else?srnd=premium The U.S. is about to celebrate 10 years of uninterrupted economic growth, ...
by JamalJones
Fri Jun 07, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: mapping software
Replies: 5
Views: 502

Re: mapping software

I prefer HEREWeGo to Google maps, since I almost always use the program off line. The maps are downloaded to my phone's memory chip, and I get a message when a map needs to be updated. However, unlike Google Maps, if I'm not mistaken an obsolete map is not automatically deleted after 30 days. Yep, ...
by JamalJones
Fri Mar 08, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 5264

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: 1284

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: 9883

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: 9883

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: 72
Views: 12287

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: 5051

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: 5051

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: 3954

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: 3954

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: 1049

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: 8591

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: 3747

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: 72
Views: 12287

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: 72
Views: 12287

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: 72
Views: 12287

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: 32298

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: 10582

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: 19345

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: 748

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: 14695

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: 6886

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: 16026

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: 6973

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: 17988

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: 12704

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: 7119

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: 7391

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: 5362

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: 10413

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: 27683

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: 27683

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: 111043

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: 10067

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: 27683

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: 27683

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...