Search found 47 matches

by jubby288
Wed Feb 05, 2020 1:54 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1289
Views: 122250

Re: Well, I am market timing... Wish me luck.

I could see doing this if retirement was imminent, with decades to go, not so much

Maybe some of the minimum volatility ETF's would be of interest


JB
by jubby288
Tue Feb 04, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: Amazon free returns, any experiences?
Replies: 74
Views: 5600

Re: Amazon free returns, any experiences?

On multiple occasions I have requested to return something that was awkward and or heavy and amazon credited my account and told me to keep the item


JB
by jubby288
Mon Feb 03, 2020 3:07 pm
Forum: Investing - Theory, News & General
Topic: Chinese stocks will plunge on Monday?
Replies: 158
Views: 11146

Re: Chinese stocks will plunge on Monday?

Makes sense, thanks

JB
by jubby288
Mon Feb 03, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Longest battery smart phone
Replies: 35
Views: 2612

Re: Longest battery smart phone

Google Pixel 3a's battery lasts all day; this is also a budget smart phone ($300)


JB
by jubby288
Mon Feb 03, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Chinese stocks will plunge on Monday?
Replies: 158
Views: 11146

Re: Chinese stocks will plunge on Monday?

I see that MSCI China (MCHI) is up 1.66% today, yet the DOW Shanghai (DJSH) is down 11%

Can someone please educate me as to why there's such a discrepancy between the two indexes


JB
by jubby288
Mon Feb 03, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 62615

Re: Books that changed your life

How to Win Friends and Influence People


JB
by jubby288
Thu Jan 30, 2020 4:21 pm
Forum: Personal Investments
Topic: 401K Fixed Dollar Investment Option
Replies: 1
Views: 125

401K Fixed Dollar Investment Option

My wife works for a company whose 401K has a fixed dollar investment option with an attractive rate Would you use this instead of a traditional bond fund? Could I expect this rate to be higher if interest rates were higher? Any down sides to using this option? Description of fund "A stable inve...
by jubby288
Thu Jan 30, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested [UPDATED]
Replies: 125
Views: 16359

Re: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested

My wife had a 300+ dollar discrepancy with AA a few years back, we couldn't get it resolved through "normal" channels, as a last ditch effort we posted a complaint on all available social media platforms and issue was resolved within an hour. Good luck.

JB
by jubby288
Thu Jan 30, 2020 6:46 am
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 70651

Re: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]

whodidntante wrote: Wed Jan 29, 2020 11:42 pm
willthrill81 wrote: Wed Jan 29, 2020 11:13 pm Hdas has erased all of his posts. He must have really gotten mad about something or other.
Ah, the classic Bogleheads rage-quit. We seem to lose a lot of good posters around here spectacularly.
Haven't seen Hedgefundie or Vivienz in a while, are they gone too?
by jubby288
Tue Jan 28, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: Dog repellent when biking
Replies: 63
Views: 3048

Re: Dog repellent when biking

Did you try petting it?

JB
by jubby288
Mon Jan 27, 2020 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to contest beneficiary of a life insurance and brokerage account of a deceased?
Replies: 51
Views: 4864

Re: Is it possible to contest beneficiary of a life insurance and brokerage account of a deceased?

My wife works as a manager for a large life insurance company She once told me about an instance where someone put their mistress as the beneficiary instead of their wife Long story short, the wife sued and they had to pay out to her in addition to the mistress So, yes, it's possible to contest the ...
by jubby288
Fri Jan 24, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: Are interest rates ever going back up?
Replies: 98
Views: 7942

Re: Are interest rates ever going back up?

There seem to be a lot of folks on this thread who think rates aren't going up any time soon. For those that feel that way, are you allocating to long bonds? If not, why not? For domestic equity I buy PSLDX where I have access and S&P 500 everywhere else JB I'm confused.....those are stock fund...
by jubby288
Fri Jan 24, 2020 6:38 am
Forum: Investing - Theory, News & General
Topic: Are interest rates ever going back up?
Replies: 98
Views: 7942

Re: Are interest rates ever going back up?

Ignore the noise about the Fed holding rates low. The market sets interest rates except fed funds overnight rate. And the fed basically follows the market as it always moved in direction majority of.market expected since 1994. The market long term rates are low aND likely stay low indefinitely beca...
by jubby288
Fri Jan 24, 2020 6:33 am
Forum: Investing - Theory, News & General
Topic: Are interest rates ever going back up?
Replies: 98
Views: 7942

Re: Are interest rates ever going back up?

watchnerd wrote: Thu Jan 23, 2020 7:14 pm There seem to be a lot of folks on this thread who think rates aren't going up any time soon.

For those that feel that way, are you allocating to long bonds?

If not, why not?
For domestic equity I buy PSLDX where I have access and S&P 500 everywhere else

JB
by jubby288
Thu Jan 23, 2020 2:47 pm
Forum: Investing - Theory, News & General
Topic: Are interest rates ever going back up?
Replies: 98
Views: 7942

Re: Are interest rates ever going back up?

FWIW, Reuters has quoted Bernanke in saying that he doesn't believe the fed funds rate will rise back to the long term average of 4% within his lifetime JB Bernanke is 66. How long do we think Ben will live? To 85? Yes, sounds about right So, lets say that another way Former fed chairman Ben Bernan...
by jubby288
Thu Jan 23, 2020 2:38 pm
Forum: Investing - Theory, News & General
Topic: Holding too much emergency fund cash...
Replies: 47
Views: 5230

Re: Holding too much emergency fund cash...

Before marriage, all of my wife's savings were in bank accounts, i.e., no investments She wasn't comfortable dumping it all into the market, so here was our compromise 1) excess emergency fund money to be used to slowly pay down mortgage early since she absolutely hates debt 2) future savings to go ...
by jubby288
Thu Jan 23, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: Are interest rates ever going back up?
Replies: 98
Views: 7942

Re: Are interest rates ever going back up?

FWIW, Reuters has quoted Bernanke in saying that he doesn't believe the fed funds rate will rise back to the long term average of 4% within his lifetime

JB
by jubby288
Thu Jan 23, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: Are interest rates ever going back up?
Replies: 98
Views: 7942

Re: Are interest rates ever going back up?

I often wonder if rates will stay low for decades to come

Out of these factors are any of them likely to push rates higher?

0% fed funds rate at next recession
Older demographics
Technology enhancements
Globalization
Gov. debt

JB
by jubby288
Thu Jan 23, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6780
Views: 651124

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I agree. Seeing all these people 3x the QQQ makes me worry about over-bullishness. I thought I was bullish being ~140% long the total world market based on a trend-following system, but I'm a piker compared to them. It only makes sense to consider this in the context of the entire portfolio. Are yo...
by jubby288
Thu Jan 23, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 87
Views: 14112

Re: Schwab as a one stop shop

I wonder when TDA users can expect to be converted to Schwab's platform

JB
by jubby288
Tue Jan 21, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 12258

Re: If you could only listen to one podcast...

watchnerd wrote: Sun Jan 19, 2020 8:12 pm Hardcore History, by Dan Carlin

https://www.dancarlin.com/hardcore-history-series/
I love how detailed and descriptive Dan gets when it's needed
by jubby288
Mon Jan 20, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 70651

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

rascott wrote: Sun Jan 19, 2020 8:49 pm
caklim00 wrote: Wed Jan 15, 2020 10:26 pm
columbia wrote: Wed Jan 15, 2020 6:08 pm FT breaks it down well:

https://markets.ft.com/data/funds/tears ... ry?s=PSLDX
Makes sense. PSLDX has more leverage than I even thought.

I don't think it's accurate.
I didn't think so either

JB
by jubby288
Mon Jan 20, 2020 7:06 am
Forum: Investing - Theory, News & General
Topic: Isn’t Inflation Much Larger Than 2%?
Replies: 289
Views: 19576

Re: Isn’t Inflation Much Larger Than 2%?

Here are median home prices for some great American cities. City Median Under 100K Median Income Gary IN 83K 65% 36K South Bend IN 81K 65% Akron OH 80K 68% 36K Rochester NY 79,400 67% 33K Youngstown OH 78,900 68% Toledo OH 77,600 67.5% 36K Lansing MI 77K 72% 39K Cleveland OH 67K 76% 27K Dayton OH 6...
by jubby288
Sat Jan 18, 2020 7:20 am
Forum: Personal Investments
Topic: Wife left
Replies: 43
Views: 9290

Re: Wife left

Sell the house then split the proceeds
by jubby288
Fri Jan 17, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7779

Re: Which iPhone would you buy today?

Hector wrote: Wed Dec 11, 2019 4:50 pm iPhone 6s; cheapest new iPhone available at $150.
I wonder how long Apple will continue to support the older models
by jubby288
Thu Jan 16, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: New Refrigerator Problem - Updated for Another Option - Liebherr 842947
Replies: 15
Views: 1113

Re: New Refrigerator Problem

I had to rip shoe molding off to make ours fit :annoyed
by jubby288
Thu Jan 16, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Calculate APR
Replies: 3
Views: 217

Re: Help Me Calculate APR

Thanks guys :D
by jubby288
Thu Jan 16, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Calculate APR
Replies: 3
Views: 217

Help Me Calculate APR

I could use Bogleheads expertise on a math problem

Scenario
Business is charged 633.33 per month
Zero payments have been made for 156 consecutive months
Ending balance, i.e., principal + fees & interest is $243,980

What is the annual percentage rate?
by jubby288
Thu Jan 16, 2020 6:54 am
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 70651

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

PSLDX is 100% S&P500, 100% Long Term Gov Bond, -100% Cash NTSX is 90% S&P500, 60% Int Term Treasury (averaged), -50% Cash at least thats my understanding From morningstar, PSLDX is 100/150/-100 This would be a comparison between PSLDX and NTSX https://www.portfoliovisualizer.com/backtest-po...
by jubby288
Thu Jan 16, 2020 6:46 am
Forum: Investing - Theory, News & General
Topic: [Deleted] [Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund]
Replies: 652
Views: 70651

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

I wonder why Fidelity does not offer PSLDX on its platform Most investors are going to be a little short of the $1M minimum investment. At Schwab, it is 100K https://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?path=%2fProspect%2f...
by jubby288
Wed Jan 15, 2020 10:48 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 741
Views: 109126

Re: Year 2000 retirees using the '4% rule' - Where are they now?

So, these retirees could theoretically survive three near 50% drops in the market after they retire and still make it 30 years no problem? Crash 1) Dotcom Bubble, crash 2) Financial Crisis, crash 3) future It looks like the 4% rule even works in the worst environment. Yes, impressive no doubt +1 Th...
by jubby288
Wed Jan 15, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 741
Views: 109126

Re: Year 2000 retirees using the '4% rule' - Where are they now?

So, these retirees could theoretically survive three near 50% drops in the market after they retire and still make it 30 years no problem? Crash 1) Dotcom Bubble, crash 2) Financial Crisis, crash 3) future It looks like the 4% rule even works in the worst environment. Hm, no. This is only true with...
by jubby288
Wed Jan 15, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: "Cybercrooks are targeting retirement accounts — and unlike credit cardsthere's no guarantee you'll get your money back"
Replies: 51
Views: 6008

Re: "Cybercrooks are targeting retirement accounts — and unlike credit cardsthere's no guarantee you'll get your money b

TDA recently locked my accounts due to "suspicious log in activity", I did not attempt and fail to log in

Pretty nerve racking. Changed passwords, log in names, and updated to 2 factor authentication
by jubby288
Wed Jan 15, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4779
Views: 1296705

Re: What Book Are You Currently Reading? Part VI

Highly recommend The Company, a Novel of the CIA by Robert Littell It's a historical fiction spy novel that follows a cast of characters through a few decades It's long but a real page turner, kept my interest which is no easy task! I read The Company (or listened to the audiobook) last spring, and...
by jubby288
Tue Jan 14, 2020 2:25 pm
Forum: Personal Investments
Topic: How to turn a Pile of Investment Assets into Income?
Replies: 16
Views: 2196

Re: How to turn a Pile of Investment Assets into Income?

You cannot have your cake (i.e. pile of assets) and eat it too. However, you can have enough assets so that the long-term growth of the assets will at least cover your withdrawals. That's where the idea of the perpetual withdrawal rate comes from. That rate has historically been around 3% of your s...
by jubby288
Tue Jan 14, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Advanced Excel (Software)
Replies: 11
Views: 1364

Re: Advanced Excel (Software)

YouTube, Udemy, EdX, class at local community college
by jubby288
Tue Jan 14, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 741
Views: 109126

Re: Year 2000 retirees using the '4% rule' - Where are they now?

It's time for another update on our hypothetical year 2000 retirees using the '4% rule of thumb'. Remember that in this example, they started with $1 million and withdrew $40k, adjusted for inflation, at the end of each year (i.e. their first withdrawal would have been on 12/31/2000) thereafter. Fo...
by jubby288
Tue Jan 14, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 741
Views: 109126

Re: Year 2000 retirees using the '4% rule' - Where are they now?

So, these retirees could theoretically survive three near 50% drops in the market after they retire and still make it 30 years no problem? Crash 1) Dotcom Bubble, crash 2) Financial Crisis, crash 3) future It looks like the 4% rule even works in the worst environment. Yes, impressive no doubt
by jubby288
Tue Jan 14, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 741
Views: 109126

Re: Year 2000 retirees using the '4% rule' - Where are they now?

So, these retirees could theoretically survive three near 50% drops in the market after they retire and still make it 30 years no problem?

Crash 1) Dotcom Bubble, crash 2) Financial Crisis, crash 3) future
by jubby288
Tue Jan 14, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: Why was GE and GM stocks so expensive in 1929?
Replies: 14
Views: 1515

Re: Why was GE and GM stocks so expensive in 1929?

Another interesting tidbit is that almost all investors bought on margin back then There were 949,470 transactions for cash in 1929 and 599,237 transactions on margin in 1929. Margin transactions were only 38.69% of all purchases, according to Section 4 of the Pecora Commission report to the US Sen...
by jubby288
Tue Jan 14, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4779
Views: 1296705

Re: What Book Are You Currently Reading? Part VI

Highly recommend The Company, a Novel of the CIA by Robert Littell

It's a historical fiction spy novel that follows a cast of characters through a few decades

It's long but a real page turner, kept my interest which is no easy task!
by jubby288
Tue Jan 14, 2020 8:43 am
Forum: Investing - Theory, News & General
Topic: Why was GE and GM stocks so expensive in 1929?
Replies: 14
Views: 1515

Re: Why was GE and GM stocks so expensive in 1929?

Another interesting tidbit is that almost all investors bought on margin back then There were 949,470 transactions for cash in 1929 and 599,237 transactions on margin in 1929. Margin transactions were only 38.69% of all purchases, according to Section 4 of the Pecora Commission report to the US Sen...
by jubby288
Tue Jan 14, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Why was GE and GM stocks so expensive in 1929?
Replies: 14
Views: 1515

Re: Why was GE and GM stocks so expensive in 1929?

AlohaJoe wrote: Tue Jan 14, 2020 6:52 am I want to say that only 2% of Americans owned stocks back then?
Looks like it was 10%

https://www.fdic.gov/about/history/timeline/1920s.html
by jubby288
Tue Jan 14, 2020 6:48 am
Forum: Investing - Theory, News & General
Topic: Why was GE and GM stocks so expensive in 1929?
Replies: 14
Views: 1515

Re: Why was GE and GM stocks so expensive in 1929?

I guess they didn't call it the "roaring 20's" for no reason

Another interesting tidbit is that almost all investors bought on margin back then
by jubby288
Tue Jan 14, 2020 6:25 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6780
Views: 651124

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Busdrvr wrote: Mon Jan 13, 2020 7:43 pm Just opened my TDA account. They will not charge a $49 fee for PSLDX transactions if you set up systematic investments in an IRA. Will probably look at switching my kids’ IRA’s to TD for them to take advantage.
Good to know!
by jubby288
Mon Jan 13, 2020 4:51 pm
Forum: Personal Investments
Topic: 25x-50x living expenses?
Replies: 104
Views: 10400

Re: 25x-50x living expenses?

FWIW I believe the Trinity Study has been updated through 50 years
by jubby288
Mon Jan 13, 2020 4:48 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6780
Views: 651124

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

stipeman wrote: Mon Jan 13, 2020 3:54 pm Minimum for PSLDX in IRA is $0 at TD Ameritrade and Etrade. $25K at Vanguard. $100K at Schwab. Increased from $100K to $1M at Fidelity last year.

Fidelity is not being honest if they say it is PIMCO's fault.
Can confirm, this is the reason i transferred all of my IRA assets to TDA