Search found 245 matches

by juliewongferra
Sat Jan 19, 2019 8:10 pm
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 102
Views: 5117

Re: What does 20% extra of portfolio allocated to equities get you?

samsdad wrote:
Sat Jan 19, 2019 1:07 pm

We used to have this guy around here named livesoft that knew this stuff like the back of his hand. A market timer to be sure, but still knowledgeable despite that obvious failing. Miss that guy...
livesoft is not a guy! livesoft is female!

cheers,
jwf
by juliewongferra
Thu Jan 17, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 848
Views: 43741

Re: John Bogle has died at age 89

Bye, Jack. I enjoyed meeting you.

cheers,
jwf
by juliewongferra
Tue Jan 08, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2539

Re: I bought a new iPad on sale...should I have?

Hi All, I've been on a personal finance/investing kick and path to FIRE for last 6 years, and have been extremely smart about not wasting money on dumb purchases or things I really didn't need. It's actually made me feel even better than back in the day when I would blow money every weekend on who ...
by juliewongferra
Mon Dec 31, 2018 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1543

Re: Anyone else in frontier markets?

Around 2005/6, I looked into TRAMX (T. Rowe Price Africa and Middle East Fund). It started at $10. Looking at it today, it is $8.53. So more than a decade of no returns. I don't have an opinion on TRAMX, but this is totally disingenuous, because you are comparing share price and completely ignoring...
by juliewongferra
Thu Dec 27, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9310

Re: What common everyday inconvenience have you intentionally suffered for frugality?

I had a roommate for many years even though I could afford to live by myself. My roommates were great, but if it weren't for the several hundred dollars a month savings I would have been living alone. Good strategy! What changed to make you not want roommates after all these years of savings? cheer...
by juliewongferra
Thu Dec 27, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9310

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Curious to see some examples. No judgement! Some of mine: -Haven't replaced car battery for few months so instead of having keyless entry/start, now I have to take out manual key from keyfob and insert keyfob that happens to be under the center console every time. A real hassle when you have full h...
by juliewongferra
Thu Dec 27, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Why stay the course? Why not sell all?
Replies: 68
Views: 6817

Re: Why stay the course? Why not sell all?

Let’s say, hypothetically speaking of course, that there is a good chance stocks will fall in the next few weeks/months. Assuming this information to be true, what merits does staying the course have? Wouldn’t it be more sensible to sell all of my funds now (assuming a profit, of course), and rebuy...
by juliewongferra
Thu Dec 27, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?
Replies: 37
Views: 2398

Re: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?

Because of the onslaught of news re: the market, I've been thinking a lot about my financial position. Mostly I'm feeling extremely lucky to have a loving a supportive family, to have started saving right out of college, to have graduated with no debt, and to work in a field that with tremendous jo...
by juliewongferra
Thu Dec 27, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?
Replies: 37
Views: 2398

Re: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?

Because of the onslaught of news re: the market, I've been thinking a lot about my financial position. Mostly I'm feeling extremely lucky to have a loving a supportive family, to have started saving right out of college, to have graduated with no debt, and to work in a field that with tremendous jo...
by juliewongferra
Thu Dec 27, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9310

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Curious to see some examples. No judgement! Some of mine: -Haven't replaced car battery for few months so instead of having keyless entry/start, now I have to take out manual key from keyfob and insert keyfob that happens to be under the center console every time. A real hassle when you have full h...
by juliewongferra
Thu Dec 27, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: This is why you should not time the market
Replies: 38
Views: 5929

Re: This is why you should not time the market

harvestbook wrote:
Thu Dec 27, 2018 7:57 am
My guess is it will be erased by Friday. Another reason not to time the market, because I don't know.
Well we are halfway there to being erased on Thursday, and I haven't even had lunch yet! LOL :D :D :D

cheers,
jwf
by juliewongferra
Mon Dec 24, 2018 12:09 am
Forum: Investing - Theory, News & General
Topic: Preparing for the bounce
Replies: 60
Views: 8971

Re: Preparing for the bounce

I've lost all faith in the OP's numbers. I don't even know what all those digits to right of the decimal points mean. I do know there are too many of them. Maybe even some of the numbers are affected by dividends, too. Mr. Livesoft, Numbers are just the percentage changes in the indicated timeframe...
by juliewongferra
Mon Dec 24, 2018 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Massive losses; what if I die [before offsetting the losses]?
Replies: 55
Views: 7006

Re: Massive losses; what if I die?

If you die, that will be the most massive loss of all!

cheers,
jwf
by juliewongferra
Tue Dec 18, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8170

Re: When has being frugal or cheating out bit you in the rear?

GoldenFinch wrote:
Mon Dec 17, 2018 1:40 pm
Dollar store. Usually not worth a dollar.
True that!

A friend once bought condoms from a dollar store...1 guess as to how that turned out! :oops:

cheers,
jwf
by juliewongferra
Mon Dec 17, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5495

Re: Gift Ideas for wife

My wife has everything she needs, so I’m having a hard time deciding what to get her. She likes to cook, run/lift, and reading. Does anyone have any really useful, neat items to buy that would make her life easier doing any of the above activities? Thanks! You could get her a book about cooking (no...
by juliewongferra
Mon Dec 17, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 3085

Re: Holiday Card [from Vanguard]

(Otherwise please let me know point). I took it as a humblebrag from OP on his special status with Vanguard. No card from Vanguard for me - no special status (that I am aware of) but I also have money at Fidelity and Schwab - perhaps I should move it all to Vanguard so I can get a card too (althoug...
by juliewongferra
Thu Dec 13, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: FSA @ employment termination: COBRA *and* change election?
Replies: 3
Views: 341

FSA @ employment termination: COBRA *and* change election?

Hi, I know that if my employment ends in the middle of an FSA year, I can use COBRA, and pay after tax dollars, to stay in the plan. What I am unsure about is if loss of employment is a qualifying event that would allow me to *also* change (increase) my election. To give a specific example: Plan yea...
by juliewongferra
Mon Dec 10, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Great Personal Loss – Guidance and Financial Questions
Replies: 36
Views: 5027

Re: Great Personal Loss – Guidance and Financial Questions

I am writing this in the midst of grief. My DW has recently passed after a relatively brief illness. I am 52 years old and rudderless – all future plans with her are gone. No kids, no debt and I have more than enough to retire (45x – 50x expenses) with my modest expenses but I don’t think that’s a ...
by juliewongferra
Wed Nov 21, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 41
Views: 2454

Re: Opinion Required

@Researchmed- 70% of active fund managers don't invest in their own funds as they know they are tax inefficient and too expensive. Making a living and personal investing are two separate things in my opinion. ooh, if so, that makes me doubly and triply hesitant to use active funds! This is like a c...
by juliewongferra
Wed Nov 21, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 41
Views: 2454

Re: Opinion Required

Also, I hope that you have a happy birthday, Colin!
by juliewongferra
Wed Nov 21, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 41
Views: 2454

Re: Opinion Required

Hi All, With the markets taking a bit of a tumble my friend and I are discussing the possibility of switching our portfolio which is currently 90-10 weighting of Equities - Bonds, to cash. Our thought process is wait until the fund drops by 25% from when we invested(its down 7% already) and then re...
by juliewongferra
Sun Nov 04, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18627

Re: Vanguard website "unavailable during weekend of Nov 3"

I'm sure if you had 3 or 4 billion banked at Vanguard, you probably got the heads up on the Vanguard upgrade. For the rest of the unwashed masses....get over it. In all of recorded history it has never worked like this. There's no getting over it. The higher caste will always get what's coming to t...
by juliewongferra
Sat Nov 03, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18627

Re: Vanguard website "unavailable during weekend of Nov 3"

When someone's financial information will be unavailable for a weekend, with zero notice? Not everyone is a Boglehead and constantly thinking about investments, and probably checking in online frequently. And to be blunt, the fact that so many *here* were upset/concerned that the site was suddenly ...
by juliewongferra
Sat Nov 03, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18627

Re: Vanguard website "unavailable during weekend of Nov 3"

Vanguard asked members of the Steering Committee last week what kind of notification people would like in case of the web site being down. Given that they'd informed me for weeks via the huge banner on the top of their site, I said I thought an email was unnecessary. I have logins to hundreds of we...
by juliewongferra
Thu Oct 25, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: HSA: payroll deduction or write a check?
Replies: 5
Views: 732

Re: HSA: payroll deduction or write a check?

Thank you everyone for your help and thoughts. I am hoping to be able to work with my finances better to take advantage of my HSA!

cheers!
jwf
by juliewongferra
Wed Oct 24, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA: payroll deduction or write a check?
Replies: 5
Views: 732

HSA: payroll deduction or write a check?

Hello friends! I have an HSA through my employer with Optum bank. Not very happy with the vendor--there are fees to do almost anything--but I am comfortable with having it until I leave, when I assume that I can transfer the funds to another custodian (for a fee of $20 to Optum, of course!) My emplo...
by juliewongferra
Mon Oct 22, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 3267

Re: Shouldn't Fridays be higher than average due to 401k contributions?

JustinR wrote:
Mon Oct 22, 2018 3:40 pm
Tens of millions of people automatically buy on Fridays. Does that make Fridays higher on average than other days? If not, why?
Tens of millions of people automatically buy on days that aren't Friday, also! Who says that Friday is a higher purchase day than others?

cheers,
jwf
by juliewongferra
Mon Oct 22, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8815

Re: Quitting w/o notice

There are some recommendations here that are correctly advising to milk any possible short-term and long-term disability programs. It is very hard for mentally vulnerable people to play the disability cat-and-mouse tricks. But if OP is in a position to do so (short and long term disability plans ex...
by juliewongferra
Mon Oct 22, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2735

Re: Additional charges for kids in Las Vegas hotels

Hi, For all the hotels in Las Vegas, there are additional person charges for kids below 10 year old also which is like $30/40 per night. If I select 2 bed room and put 2 adults, charges are normal but if I add 2 children for the same 2 bed room, the price increases a lot (there is no free breakfast...
by juliewongferra
Mon Oct 22, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 36
Views: 4094

Re: Retire now or in the Spring. - changing work conditions

I had a plan to fill up my 401k in the spring of 2019 and retire. However, recent work changes involve me, beginning in mid December, covering the work areas of at least two people in areas that I have not worked in for decades. It will be high stress, low reward work. You may need to know a little...
by juliewongferra
Tue Oct 09, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2325

Re: Job Opportunity - Via Staffing Agency

I would prefer to eliminate the middle man staffing agency altogether, but I don't know how stringent the Firm's contract is with them. I understand your preference, but the staffing agency did in fact put you and the firm in contact with one another, which is their job, so they deserve to be invol...
by juliewongferra
Sun Oct 07, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 8220

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

Let's be clear: They're not zero cost. They're subsidized by other funds. So unless you invest only in the ZERO funds, you're paying the cost somewhere else in your portfolio. Or, perhaps ethically worse, you're pushing your costs onto someone else. I'm not sure I want to save a few basis points on...
by juliewongferra
Sun Oct 07, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 8220

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

All these let’s-bash-Fidelity threads seem childish to me. I think it’s wonderful that Fidelity has lowered both minimum investments and expense ratios on many existing funds and that they have introduced four new ZERO funds. Competition is good for investors no matter which brokerage they use or w...
by juliewongferra
Tue Sep 11, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Timing entry into Fidelity Zero index funds
Replies: 10
Views: 1364

Re: Timing entry into Fidelity Zero index funds

There seems to be a lot of conjecture that these funds will be less tax-efficient but there is yet to be any definitive information I've been able to find. I agree. I have seen a lot of conjecture about Fidelity's funds, like about the Zero funds (and previously about whether the company actually w...
by juliewongferra
Mon Sep 10, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Timing entry into Fidelity Zero index funds
Replies: 10
Views: 1364

Timing entry into Fidelity Zero index funds

Hello friends! I'm very attracted to Fidelity's Zero index funds, as I know many others are as well, based on some of the posts here. But I would be investing in a taxable account, so would it make sense to wait a few quarters to see what the funds' distributions (dividends and capital gains) look l...
by juliewongferra
Mon Aug 13, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10327

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

What's actionable is to review your asset allocation and rebalance if things have gotten out of whack. But this should ALWAYS be the case, on an annual basis (or by rebalancing bands, or other measures outlines in an IPS). We shouldn't be scared by voodoo forecasts form Cramer, CNBS, Vanguard, Bogl...
by juliewongferra
Mon Aug 13, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10327

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

arcticpineapplecorp. wrote:
Sat Aug 11, 2018 12:04 pm
Thank you. I look forward to buying more shares at lower prices with the same amount of money.
Not true, necessarily. A recession does not mean that share prices go down. Share prices can stay the same (or rise) during a recession, because the stock market is not the economy!

cheers,
jwf
by juliewongferra
Mon Aug 13, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10327

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

"Vanguard Warns of Worsening Odds for the Economy and Markets" https://www.nytimes.com/2018/08/10/business/vanguard-recession-economy.html The chances of a recession by the end of 2020 are mounting. And the prospects for the American stock market in the next decade have worsened appreciably. Those ...
by juliewongferra
Tue Jun 12, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3739

Re: How to convince my co-worker to invest more?

I have become the "go to guy" at work with the younger employees in regards to 401k, retirement, etc.. I NEVER push. I provide the different options, on-line calculators, and general access to resources. I have found throughout the years that pointing out the tax savings angle has the most successf...
by juliewongferra
Tue Jun 12, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3739

Re: How to convince my co-worker to invest more?

Did your co-worker ask for your advice? If the answer is no, then stay out of it, it's none of your business. Well, yeah. He asks me questions all the time like "What's the difference between an IRA and a 401k?" When we switched 401k providers last year, everyone on my team met in my office to ask ...
by juliewongferra
Wed May 30, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 921

Re: Co-beneficiary on a bank CD: all beneficiaries must be present?

Dear Bogleheads, I wanted to thank everyone again for the thoughts (and commiseration, lol!). So I called a different branch of the same bank and was told that as a co-beneficiary, I could bring the paperwork and be entitled to my portion of the CD, which Alan S. suggested!!! (And although I call Al...
by juliewongferra
Wed May 23, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 921

Re: Co-beneficiary on a bank CD: all beneficiaries must be present?

Thanks for all your replies! The main challenge is that's it's not *a lot* of money. Probably a little under $1,000. And it's not worth the other beneficiary's time to fly all the way over here and/or risk losing her job for $400 dollars. I will explain to the bank and see if they can accept anythin...
by juliewongferra
Wed May 23, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 921

Re: Co-beneficiary on a bank CD: all beneficiaries must be present?

dm200 wrote:
Wed May 23, 2018 11:32 am
What might have been simpler is to have had several different accounts - each with a single beneficiary.
I agree! This is what I suggested in my original post!

cheers,
jwf
by juliewongferra
Wed May 23, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Co-beneficiary on a bank CD: all beneficiaries must be present?
Replies: 9
Views: 921

Co-beneficiary on a bank CD: all beneficiaries must be present?

Dear Bogleheads, I just learned that I am a co-beneficiary on a bank CD of someone who has passed away. The bank told me that both beneficiaries must be present with all documents (e.g., proof of our identity, death certificate, etc.) At that point, the bank can release the all funds in proportion t...
by juliewongferra
Tue Apr 03, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a house of 600-700k?
Replies: 56
Views: 5453

Re: Can we afford a house of 600-700k?

Wife and I are both 33 years old. One kid (2) with another on the way in June. Salaries and Assets: Household income: $186k (H: 82k W: 104k) Savings: 42k. Retirement Savings: 355k (currently contributing $46k per year to all accounts) Equity in current home: ~$215k (not including future realtor’s f...
by juliewongferra
Mon Mar 19, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: conversation about finances/spending with significant other?
Replies: 33
Views: 3080

Re: conversation about finances/spending with significant other?

Dear everyone, Thank you so much for your thoughts, words of encouragement, and words of warning. I really appreciate the time you took to help me think about this. I hope that some of you check back, because I do want to thank each of you personally, but in my experience, I only get a notification ...
by juliewongferra
Mon Mar 19, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: conversation about finances/spending with significant other?
Replies: 33
Views: 3080

conversation about finances/spending with significant other?

Hi Bogleheads, I get that we should not give unsolicited investment/spending advice to friends and family--I truly, truly get that. But I also know that finances is one of the main things that couples fight about and separate over. So I could use some help. I have been dating my boyfriend for a litt...
by juliewongferra
Tue Mar 13, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to bond funds?
Replies: 32
Views: 5403

Re: Alternative to bond funds?

My wife and I currently have about 20% of our holdings in VBIRX (Vanguard Short-Term Bond Index Fund Admiral Shares.) This fund has a negative yield YTD, and this is also the case with many other bond funds. Any recommendations for suitable alternatives? Thanks! This is wrong! It might have a negat...
by juliewongferra
Tue Mar 13, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 10736

Re: Dave Ramsey on Bonds

I think some of Dave Ramsey’s principles are fine, and even good for people that are generally not good and disciplined with their money. He is very debt-averse. However, for truly increasing net worth, it is worthwhile to buy a home with a 15 year 3.5% mortgage if that means you also have that mon...
by juliewongferra
Sat Feb 17, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 31
Views: 5894

Re: Laid off ...next steps

I got laid off on Tuesday. Our small satellite office of 4 people got shut down and everyone was let go. I am 36 and this is my first time experience with this event. Financially I am ok. I have money in high yield savings accounts that amounts to 1 year worth of expenses. My retirement pile is abo...