Search found 279 matches

by jmbkb4
Sun Sep 25, 2011 4:44 pm
Forum: Investing - Theory, News & General
Topic: Why Stocks Are Doing So Poorly
Replies: 95
Views: 11147

Apple got lucky. Apple did outstanding industrial design for innovative products that people want - then backed it up with excellent software and good support - that takes more than luck. Except now I notice that drivers have to text with both hands instead of only one. I have a 9-year old phone an...
by jmbkb4
Fri May 27, 2011 1:20 pm
Forum: Personal Consumer Issues
Topic: "Too Big to Fail" HBO Movie
Replies: 20
Views: 4004

I thought it was an excellent film. Paul Giamatti was particularly wonderful.
by jmbkb4
Fri May 20, 2011 5:14 pm
Forum: Personal Consumer Issues
Topic: Boglehead Hamburgers: Wendy's vs McDonalds
Replies: 107
Views: 11568

jsl11 wrote:No mention of Burger King? At least their burgers are flame broiled instead of sitting on a grill soaking in grease.

Jeff
BK has much lower quality meat than McD
by jmbkb4
Fri May 20, 2011 5:11 pm
Forum: Investing - Theory, News & General
Topic: 23 Years Old: $7K to invest...
Replies: 12
Views: 1251

I'd put it in the mutual fund and forget about it.
by jmbkb4
Tue May 17, 2011 6:53 pm
Forum: Personal Consumer Issues
Topic: The Umbrella Bucket
Replies: 60
Views: 10171

This is why I don't life in SF
by jmbkb4
Sun May 15, 2011 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Going carless
Replies: 30
Views: 4028

D) Move out of the city!!!!
by jmbkb4
Sun May 15, 2011 3:00 pm
Forum: Personal Consumer Issues
Topic: Your best non-financial investment?
Replies: 52
Views: 7477

livesoft wrote:I married someone who loves to work and makes good money. So I guess the $40 I spent to rent a tux was well worth it?
classy
by jmbkb4
Tue May 10, 2011 11:43 pm
Forum: Personal Investments
Topic: If You Believed ... What Would You Invest In?
Replies: 29
Views: 4170

Judging from initial post - I would venture to say you are extremely risk averse. My suggestion is to invest 25% of it in a 60/40 mix of Total Stock Market Index/Total International Stock Index, remaining 75% in a 5 year ladder of CD's. If inflation does show up you can reinvest at higher rates. I ...
by jmbkb4
Tue May 10, 2011 11:41 pm
Forum: Personal Investments
Topic: Where to Open a Roth IRA
Replies: 12
Views: 2804

C) None of the above?
by jmbkb4
Tue May 10, 2011 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cuts minimum investments on 27 funds
Replies: 28
Views: 6137

great post - thanks
by jmbkb4
Tue May 10, 2011 1:35 pm
Forum: Personal Investments
Topic: Emergency fund and your wealth
Replies: 49
Views: 5299

False. You should never be selling investments for emergencies.

You should always have an emergency fund.

Why not?
by jmbkb4
Tue May 10, 2011 1:33 pm
Forum: Personal Investments
Topic: Raiding Roth IRA
Replies: 31
Views: 4327

I would not raid my Roth for a wedding or honeymoon under any circumstances.

You should either cut costs or push back the dates while you save....
by jmbkb4
Tue May 10, 2011 1:32 pm
Forum: Personal Investments
Topic: would you buy BRK today?
Replies: 13
Views: 1780

Assumption is that Buffett does more with those said dividends than others could.
by jmbkb4
Tue May 10, 2011 1:30 pm
Forum: Personal Consumer Issues
Topic: How much do you really pay for your smartphone?
Replies: 70
Views: 10005

i don't have a smart phone!!

smart
by jmbkb4
Tue May 10, 2011 10:39 am
Forum: Personal Investments
Topic: would you buy BRK today?
Replies: 13
Views: 1780

I'm curious how BRK could be considered tax INefficient.

No dividends. No distributions.

Somebody please learn me.
by jmbkb4
Tue May 10, 2011 10:33 am
Forum: Investing - Theory, News & General
Topic: Genius? (Stock Price - Book Value)/EPS
Replies: 15
Views: 1998

Genius?


No.
by jmbkb4
Tue May 10, 2011 10:30 am
Forum: Personal Investments
Topic: Roth IRA
Replies: 18
Views: 2290

jpsfranks wrote:Good job. I did not know what a Roth IRA was until I was 24 or so.

Having recently hit 30, suddenly everywhere I see evidence that I am not as young as I used to be. That bogleheads.org has posters almost half my age does not help in that regard.
:lol: :lol:

me too.
by jmbkb4
Tue May 10, 2011 8:34 am
Forum: Personal Investments
Topic: Roth IRA
Replies: 18
Views: 2290

What are you buying in your Roth, OP?
by jmbkb4
Mon May 09, 2011 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Med School Loan Interest in Forbearance vs. Roth IRA
Replies: 26
Views: 3245

Hi guys. Good luck in graduating and your internship. I did this 30 years ago and it was a lot harder then and we never slept. I had debt like you did when inflation adjusted. Here is what I advise as I hated debt. Don't worry about Roth IRAs, investments, etc. Just pay off the debt as quickly as y...
by jmbkb4
Sun May 08, 2011 5:56 pm
Forum: Personal Investments
Topic: Great Salary with $8k in Student Loans and $12K in savings.
Replies: 28
Views: 3578

jmbkb4 wrote:Will the 8% max out both IRA accounts?

I'd max out both accounts.
by jmbkb4
Sun May 08, 2011 5:55 pm
Forum: Personal Investments
Topic: Need advice: Payoff mortgage or invest
Replies: 80
Views: 9220

pay off that mortgage!
by jmbkb4
Sat May 07, 2011 4:46 pm
Forum: Personal Investments
Topic: Great Salary with $8k in Student Loans and $12K in savings.
Replies: 28
Views: 3578

Will the 8% max out both IRA accounts?
by jmbkb4
Thu May 05, 2011 3:55 pm
Forum: Personal Consumer Issues
Topic: Divorce for tax reasons in NYS?
Replies: 20
Views: 3151

xerty24 wrote:
I would note that if you care about taxes, moving out of NYS is also worth considering.

Exactly. Come to the midwest and escape the mess and future mess that is NY state.
by jmbkb4
Thu May 05, 2011 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're ready for a promotion?
Replies: 42
Views: 4343

by jmbkb4
Thu May 05, 2011 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Renter, First Time Not Paying
Replies: 72
Views: 12488

Getting a lawyer involved at this point will cost many hundreds of dollars. I'd try good old fashioned communication and then kick his ass out if he screws up again.
by jmbkb4
Thu May 05, 2011 3:41 pm
Forum: Personal Consumer Issues
Topic: do bogleheads have no aspirations for "flashy wealth&qu
Replies: 69
Views: 6869

OP: You could buy a used Infiniti, Lexus, BMW -- whatever -- for half of a new car. There is no sense in buying a new car at your age. But I think there's also nothing wrong with enjoying the finer things in life. Many BHs are so consumed/obsessed with money that they lose perspective in tremendous ...
by jmbkb4
Thu May 05, 2011 3:39 pm
Forum: Personal Consumer Issues
Topic: do bogleheads have no aspirations for "flashy wealth&qu
Replies: 69
Views: 6869

Peace of mind because you have $300k in savings is SO much nicer than that new-car smell (which disappears in 6 months anyway) Actually, I have a BMW that is 5 years old. I don't know how or why, but it hasn't lost the new car smell one iota. Everyone who gets into it says the same thing. Just a po...
by jmbkb4
Thu May 05, 2011 3:35 pm
Forum: Personal Consumer Issues
Topic: Diamond ring setting: 4 or 6 prong?
Replies: 20
Views: 5660

Just go w/ the setting that you like the best.

The old wive's tale that the 6-prong setting is stronger/more stable has been proven false many times.

As far as a material, definitely want a platinum setting.
by jmbkb4
Thu May 05, 2011 10:31 am
Forum: Investing - Theory, News & General
Topic: with interest in gold and silver thought would blog on it
Replies: 12
Views: 1607

What about the Gold ETFs that are holding physical gold.

This is a new phenomenon since Gold's last bubble burst.

Oh, and btw, you can't predict future results by basing those assumptions on prior ones.

Isn't that the BH mantra??
by jmbkb4
Thu May 05, 2011 10:17 am
Forum: Personal Investments
Topic: Buying individual stocks
Replies: 22
Views: 2721

Re: Buying individual stocks

Ok I realize most folks dont like the idea of buying individual stocks on this forum, but I have to ask, who has low buying fees and zero to no hidden fees? This not about day trading nonsese, but instead a buy and hold to build my portfolio in another area. I'm seriously thinking about shifting th...
by jmbkb4
Wed May 04, 2011 9:39 pm
Forum: Personal Investments
Topic: Reasonable Approch To Emergency Fund?
Replies: 14
Views: 2084

low prob compared to mr middle manager, or IT guy at the local company. Physicians have relatively good job security but the market in my current field is poor. Also, my current job is not the most stable as far as the future is concerned. Tail insurance for my specialty will be 70k! I am a physici...
by jmbkb4
Wed May 04, 2011 9:38 pm
Forum: Personal Investments
Topic: What are you buying now and why?
Replies: 53
Views: 8746

Re: What are you buying now and why?

I hate this; many VG funds are at their 52 week highs! While I certainly loved buying strong in early 2009 when stuff was cheap it's killing me to buy now! I own about 10 different funds and ETFs in my account currently. So, what are you buying now and why? What does your investment policy *say* to...
by jmbkb4
Wed May 04, 2011 9:37 pm
Forum: Personal Investments
Topic: Do you own Berkshire Hathaway a or b?
Replies: 25
Views: 5258

Good question. I own quite a bit of BRK.B and had some B shares before the split.
by jmbkb4
Wed May 04, 2011 9:32 pm
Forum: Personal Consumer Issues
Topic: Vacuum cleaner
Replies: 32
Views: 4644

I have a Dyson. Absolutely love it. Overpriced? Maybe. But definitely the best vacuum I've ever had. Cleans exceptionally well. I think Dyson is a huge, overpriced disappointment. Our Hoover wind tunnel cleans INFINITELY better. And now that I have found washable air filters for the Hoover for $6.9...
by jmbkb4
Wed May 04, 2011 9:30 pm
Forum: Personal Consumer Issues
Topic: Do you change the engine oil yourself?
Replies: 78
Views: 9261

...................no
by jmbkb4
Mon May 02, 2011 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Those with finance degrees...
Replies: 41
Views: 6534

isn't a finance degree like a psychology or philosophy one?
by jmbkb4
Mon May 02, 2011 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Books with a direct impact on your life?
Replies: 103
Views: 15931

The Bible
A River Runs Through It
The Count of Monte Cristo
The Chocolate War
Mere Christianity
The Problem with Pain
by jmbkb4
Mon May 02, 2011 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are Steakhouses worth it?
Replies: 68
Views: 9728

beareconomy wrote:I don't eat steak because it is unhealthy.
wrong.
by jmbkb4
Fri Apr 29, 2011 6:56 pm
Forum: Investing - Theory, News & General
Topic: All my funds are now in positive territory.
Replies: 15
Views: 2534

Re: Diversification and correlation

All my funds are now in positive territory year-to-date, including my Vanguard Pacific Stock Index Fund (Admiral Shares). My highest performing performing fund year to date is my Vanguard European Stock Index fund (Admiral Shares). Last year it was my poorest performing fund. Hi gkaplan: I begin to...
by jmbkb4
Fri Apr 29, 2011 6:55 pm
Forum: Investing - Theory, News & General
Topic: conventional BH wisdom you have a lot of $$ take less risk?
Replies: 17
Views: 2442

Re: conventional BH wisdom you have a lot of $$ take less ri

example, your goal is $4M and you have $1M (from investing over over 10 years of saving) and you wish to grow to $4M in 15-20 years. You already have the first rolling Million which makes the goal easier. Starting with $1M, saving $100K per year, goal is $4M. How many years will it take at differen...
by jmbkb4
Fri Apr 29, 2011 6:53 pm
Forum: Investing - Theory, News & General
Topic: Being Open Minded about Gold
Replies: 111
Views: 10964

Today, anyone with an on-line brokerage account can leverage buy gold and silver ETFs with one click of a mouse. That's a recipe for disaster. Imagine what could happen if you could do this with stocks or bonds! good point jmourik. perhaps ferri can offer some stock predictions, so I'll know what t...
by jmbkb4
Fri Apr 29, 2011 6:51 pm
Forum: Investing - Theory, News & General
Topic: Being Open Minded about Gold
Replies: 111
Views: 10964

Re: Being Open Minded about Gold

Ferri took on gold a while back... And gold beat him like a red headed stepchild. His call was for $700 gold by 2010 and $500 gold by 2011. I was early in my prediction. 8) Over 3000 years of gold prices, there have been many spikes in supply and demand. However, gold prices have ALWAYS fallen back...
by jmbkb4
Fri Apr 29, 2011 6:48 pm
Forum: Personal Investments
Topic: Guessing Tax Rates in 2030
Replies: 15
Views: 2821

great posts by emergdoc....

I do not think that raising tax rates on the "rich" (those that make over the magical # of $250k) will solve the problem...

If one of the most radical congresses in history couldn't do it, it probably won't happen for quite some time.
by jmbkb4
Fri Apr 29, 2011 6:44 pm
Forum: Personal Investments
Topic: Multi million dollar inheritance where do i start
Replies: 117
Views: 19007

We also dont have children so any left over is just going to charity. I dont need to leave millions to anyone. Slightly OT, but you could sleep really well, knowing that one day the remainder of your nest egg will help to change the world, if you leave it to carefully chosen charities. CAREFULLY, C...
by jmbkb4
Fri Apr 29, 2011 3:59 pm
Forum: Personal Consumer Issues
Topic: Epson 8700UB projector
Replies: 7
Views: 1393

thanks again!
by jmbkb4
Fri Apr 29, 2011 11:44 am
Forum: Personal Consumer Issues
Topic: Epson 8700UB projector
Replies: 7
Views: 1393

thanks a ton for the helpful advice.

the cheapest price I can find is $1,999 plus the free lamp. Do you know where I might find a better deal??

thanks again!
by jmbkb4
Fri Apr 29, 2011 11:42 am
Forum: Personal Investments
Topic: My investment success
Replies: 88
Views: 14235

Proud to say that I'm at the 80+% mark relative to the OP with my own hard work behind the $$$$.

My inheritance is a different matter, but won't be bragged about on this forum. ;)
by jmbkb4
Thu Apr 28, 2011 8:36 pm
Forum: Personal Investments
Topic: My investment success
Replies: 88
Views: 14235

I'm interesting in knowing how much you started with as well. You registered on this forum early 2008... so did you just invest the right amount of money when the market was at its lowest? http://www.bogleheads.org/forum/viewtopic.php?p=632343&highlight=#632343 According to OP, he lagged VTSMX ...
by jmbkb4
Thu Apr 28, 2011 4:46 pm
Forum: Personal Investments
Topic: Should I invest $100K in S+P 500: my time horizon is 5 years
Replies: 13
Views: 1876

If I suffer a loss on this investment after waiting 5 years, I am screwed. Should I go for it? Assuming you can't tolerate the risk of being screwed , no. Simple as that. Come on, you should know the answer for yourself. If you'd invested $100,000 in the S&P 500 in March of 2009 minus 5 = March...
by jmbkb4
Wed Apr 27, 2011 9:08 pm
Forum: Investing - Theory, News & General
Topic: Companies with rising dividends
Replies: 51
Views: 6946

gotherelate wrote:Two words of caution:

GM & BP

OK, two symbols.
I'll add some:

BAC
JPM
WFC
C
GS

....