Search found 319 matches

by jmndu99
Fri Nov 10, 2017 9:14 pm
Forum: Investing - Theory, News & General
Topic: The Next Bear Market, Ben Carlson
Replies: 13
Views: 2052

Re: The Next Bear Market, Ben Carlson

Excellent article. So important to do the severe extended bear market mind experiment in one’s head before experiencing it, unprepared, for real. Rick Ferri wrote an article where he described walking clients through a potential 1971-1972 bear market scenario. Best to do that experiment now, when p...
by jmndu99
Mon Nov 06, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3134

Re: Heavy duty cordless drill/hammerdrill recommendation

Luke Duke wrote:
Mon Nov 06, 2017 9:23 am
jmndu99 wrote:
Mon Jan 16, 2017 8:33 pm
I use it to drill pilot holes and drive in 1/2" x 2 - 3" lag bolts.
You should try using an impact driver to drive lag bolts.

My current Dewalt has a setting for impact driving which I have found helpful.

Thank you
by jmndu99
Sun Nov 05, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3134

Re: Heavy duty cordless drill/hammerdrill recommendation

Thank you to all who have replied. I have hung on to my current drill.

I found bits for masonry that work well for my use.

James
by jmndu99
Sun Nov 05, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2516

Re: Investment Books & Your Library

I haven't bought a book in an extremely long time since I have public libraries.

So, thank you to all who have donated your books. You all have certainly assisted me in my travel to "The Land With No Alarm Clocks"

James
by jmndu99
Thu Nov 02, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Robert Prechter, Elliott Wave theorist, Fox Business today
Replies: 24
Views: 1795

Re: Robert Prechter, Elliott Wave theorist, Fox Business today

Great as I'm in the accumulation phase and need to buy at firesale prices.
by jmndu99
Sun Oct 29, 2017 8:32 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 9964

Re: Emotional impact of spending down assets?

I'm still in the accumulation stage but this had peaked an interest in me. Thank you OP for posting this. Here is a paper by Metlife www.metlife.com/paycheckstudy. That shows respondents who took lump sum payouts of their defined contribution plans spent all the money in line 5.5 years, due to the "...
by jmndu99
Sun Oct 29, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?
Replies: 24
Views: 2539

Re: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?

Per TropikThunder's post above, this stands out most.: "For SPTM, turnover is slightly lower at 3%, which also intuitively makes sense since the Russell 3000 only readjusts once a year (absent mergers and acquisitions). This may or may not change once SPTM transitions to the new proprietary SSgA Tot...
by jmndu99
Sat Oct 28, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?
Replies: 24
Views: 2539

Re: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?

What/if any are the differences in turnover rates between the Vanguard and State Street etf's you are comparing?

Turnover is a cost too and needs to be looked at.

Please let us know
by jmndu99
Wed Oct 25, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Critical Mass
Replies: 13
Views: 2228

Re: Financial Critical Mass

I still listen to Bob. I'm driving to the "Land Of Critical Mass".

He also calls it "The land with no alarm clocks"
by jmndu99
Mon Oct 16, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 3554

Re: Joined the 1 comma club today!!!

Congrats here's to the next million

James
by jmndu99
Sun Oct 15, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: LTI seeking assessment
Replies: 4
Views: 289

Re: LTI seeking assessment

Welcome,

Does her 401 (k) have the option of a brokerage window?
If so, this may give her better (lower er) funds.

James
by jmndu99
Sun Oct 08, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Headlines du Jour [Financial news]
Replies: 4
Views: 675

Re: Headlines de Jour

Just great. Thank you for posting this
by jmndu99
Sun Oct 08, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 5039

Re: Is there boglehead consensus on buying a car?

My thought is this. Buy used and let someone else buy the depreciation Yeah I was thinking of the car as a work expense--because that's the only reason I'm buying it--so I was crushed to learn that there is no depreciation available for normal commuting. Just a giant hole to pour money into, post-t...
by jmndu99
Sun Oct 08, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 5039

Re: Is there boglehead consensus on buying a car?

My thought is this. Buy used and let someone else buy the depreciation
by jmndu99
Thu Oct 05, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11341

Re: Millionaire Next Door (Thank you Bogleheads)

Congratulations Op

Thank you for sharing with us fellow Bogle heads. The Mrs and I are also "lunchbox" (love that BTW).

Your story is inspiring.

James
by jmndu99
Wed Oct 04, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4340

Re: another 2 comma club member

Congrats OP.

Best wishes,
James
by jmndu99
Wed Oct 04, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (September 2017)
Replies: 5
Views: 982

Re: madsinger monthly report (September 2017)

Once again, thank you Brad.

James
by jmndu99
Sun Sep 03, 2017 5:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 6543

Re: Stan died [Long time forum lurker]

+1 hardly ever posters. I'm in that club. Mostly thanking others who post. I read posts hete almost everyday.


Thank you Timmy for sharing. Rest in peace Stan.

Funny! I'm listening to Bob Brinker now

J
by jmndu99
Thu Aug 10, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (July 2017)
Replies: 6
Views: 1118

Re: madsinger monthly report (July 2017)

Thanks so much Brad
by jmndu99
Wed Jul 12, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: APR on Mortgage from 3.55% to 3.48% Good Deal?
Replies: 6
Views: 499

Re: APR on Mortgage from 3.55% to 3.48% Good Deal?

Hi jadedfalcons,

I have not inquired about fees yet. My interest rate will stay the same, its the APR that is different.
by jmndu99
Wed Jul 12, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: APR on Mortgage from 3.55% to 3.48% Good Deal?
Replies: 6
Views: 499

Re: APR on Mortgage from 3.55% to 3.48% Good Deal?

Thank you welderwannabe for giving me something to consider
by jmndu99
Wed Jul 12, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: APR on Mortgage from 3.55% to 3.48% Good Deal?
Replies: 6
Views: 499

APR on Mortgage from 3.55% to 3.48% Good Deal?

Good Evening Fellow Bogleheads, I have a mortgage with a good interest rate. I am a veteran and have a veterans loan. I have been receiving offers from other mortgage companies and the latest perked my interest. This is called an interest rate reduction loan. My interest rate is the same as this let...
by jmndu99
Sun Jun 18, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 6283

Re: Best Financial Advice from Dad (in honor of father's day)

My father was not good with money and showed (advised) me to spend it all as soon as payday came around.

I, at an older age, started doing the exact opposite of what dear ol' dad did.

Thanks Dad for slowing (advising) me what NOT to do with my money
by jmndu99
Sun May 28, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: DON'T pay off your mortgage; instead reduce Sequence of Return Risk
Replies: 206
Views: 18072

Re: DON'T pay off your mortgage; instead reduce Sequence of Return Risk

Hello thank you for this link. I do not understand most of the mechanics of the math.

I do listen to a radio program where the "guy" also stresses to not pay off the mortgage.
by jmndu99
Thu May 18, 2017 8:41 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 8937

Re: Milestone and not peeking. . .

stem.....,

I do not know you, although I have read your contributions to other posts.

I am not where you are yet, nor am I one of the "younger" folks. I am one who got started later.

Congratulations fellow bogelhead
by jmndu99
Sun Apr 16, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: Ben Carlson Drawdown Chart
Replies: 18
Views: 4407

Re: Ben Carlson Drawdown Chart

Thank you so much. More reinforcement of "Time In the Market" vs. "Market Timing"

J
by jmndu99
Tue Apr 04, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluating a margin investment
Replies: 14
Views: 1001

Re: Evaluating a margin investment

For a newbie, I recommend you just go to your bank, withdraw a few thousand in cash and toss it into a bonfire. Faster and less angst. I always like one good laugh out loud every day, especially if it is truthful. Thanks David Jay. +1. When I read David Jay's comment, I laughed too. Read the thread...
by jmndu99
Tue Apr 04, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to remove DELINQUENCY from credit report?
Replies: 27
Views: 2408

Re: How to remove DELINQUENCY from credit report?

OP, look at this as the price of education. The credit reporting agencies and loan departments do not care that you are such a great friend to have signed a loan to your friend.
by jmndu99
Tue Apr 04, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Remembering the Crash of 1987
Replies: 66
Views: 7276

Re: Remembering the Crash of 1987

Thank you OP,

This thread and all replies are probably the biggest " reason that I love this website.

You, who remember this experience are sharing your personal perspectives and educating the rest of us.

I thank all who have shared.

J
by jmndu99
Tue Mar 14, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Recently Retired - Portfolio Advice, Please!
Replies: 10
Views: 1613

Re: Recently Retired - Portfolio Advice, Please!

Hello SoDakjeff,

I'm not an expert, however, the wife is still working. She still can contribute to your and her Roths.

Is it possible to get on her health insurance plan?
by jmndu99
Tue Mar 14, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: $44,000 for 1st Time Investor
Replies: 30
Views: 4676

Re: $44,000 for 1st Time Investor

I'm confused about maxing out the 401K. So, that $18,000 has to be automatically deducted from my paycheck over the course of a year? Or, since I have that money in the bank, can I just add it all at once? I got confused after speaking to a TIAA representative who said that if I add any amount that...
by jmndu99
Mon Mar 13, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: y 401k plan was completely overhauled - and I don't like it
Replies: 18
Views: 2173

Re: y 401k plan was completely overhauled - and I don't like it

Hello OP, I am sorry I'm not much help to your situation, and cannot answer your questions. However, I do have a question. If Vanguard is the Admin of the Plan, is there a feature in your plan named brokerage window? If so, could you still contribute to the Plan, directing contributions to the broke...
by jmndu99
Sat Mar 04, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating IRA Withdrawal Penalty
Replies: 12
Views: 915

Re: Calculating IRA Withdrawal Penalty

OP, did this family member come to you for assistance with this debt dilemma?
by jmndu99
Fri Feb 24, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just beginning: $40k to open taxable and IRA accounts
Replies: 21
Views: 1792

Re: Just beginning: $40k to open taxable and IRA accounts

Hello, I by no means claim that I know much about backdoor roths.

Wait for experts on backdoor roths.

My question is this:

1. OP contribute to the Roth up to max
2. Then Couldn't OP contribute to non deductible IRA with the rest of the money, then backdoor Roth it?
by jmndu99
Sun Feb 12, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: PC power-up failure
Replies: 38
Views: 2773

Re: PC power-up failure

One question not asked is, how old is this power supply? I recently had a 10 year old power supply give up the ghost.

Replacing it gave me incentive to purchase new/more powerful mobo, cpu and memory to replace same components that were also 10 years old.

Best wishes
by jmndu99
Wed Feb 08, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 59
Views: 7553

Re: Two-Fund Portfolio Role Call

Jiu Jitsu Fighter wrote:VSIAX Small-Cap Value
VFSVX Small/Mid-Cap ex-US



Nice. Fortitude required.
by jmndu99
Wed Feb 08, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall, but need to withdraw
Replies: 9
Views: 1219

Re: Windfall, but need to withdraw

+1 to i <3Investing

It looks like this; of $500,000.00. You need $228,000.00 for Mrs. to stay home.

That is your "safe" money.
The difference (still a sizeable amount) is either dca or lump sum into the market per your allocation.

Best wishes
J
by jmndu99
Mon Feb 06, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Late start but learning, next step?
Replies: 10
Views: 1581

Re: Late start but learning, next step?

Welcome,

Please see this viewtopic.php?t=6212


Posting the way that link advises is the best way to get advice.

Best wishes
by jmndu99
Mon Feb 06, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 11069

Re: A note of caution from Robert Shiller

Is this piece written for someone who invests exclusively in the Dow (30) stocks?
by jmndu99
Sat Feb 04, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3054
Views: 900489

Re: What Movie Have You Recently Watched?

Hillary's America and The Inside Job.
by jmndu99
Mon Jan 30, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Stocks Down - My Fault
Replies: 26
Views: 4369

Re: Stocks Down - My Fault

Thank you for selling to me at a lower price.
by jmndu99
Sun Jan 29, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 4190

Re: Humble brag finally got admiral shares in taxable account

Congratulations OP.

I'm not there yet in my taxable account but will get there.

You've come to the right place to humbly brag. A milestone is a milestone
by jmndu99
Wed Jan 25, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC & Reforms
Replies: 11
Views: 1887

Re: Jack Bogle on CNBC & Reforms

Interesting. Obviously the causal mechanism is the key. Does buying ETFs make you prone to irrational behavior? Or do people who are prone to irrational behavior buy ETFs? As one who has a number of ETFs, this is good food for thought. I've felt no urge to trade more frequently with ETFs vs. mutual...
by jmndu99
Wed Jan 25, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: A Special Vanguard Fund
Replies: 17
Views: 2898

Re: A Special Vanguard Fund

Happy Birthday Taylor. Thanks for your service in WWII and here.

I'm guessing the Vanguard S&P 500 index fund.

Semper Fi!

J
by jmndu99
Wed Jan 25, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2904

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

I still don't get it though. Maybe someone can walk me through the process of seeing it based on my information? If I can lower my marginal rate to -15% from +15% (based on a tax break of 30%), I'll take it as will most of us. I must be missing something. No one is saying that you can lower your ma...
by jmndu99
Wed Jan 25, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2904

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

https://www.bogleheads.org/forum/viewtopic.php?p=1247382#p1247382 Thanks for this jebmke, I still don't get it though. Maybe someone can walk me through the process of seeing it based on my information? If I can lower my marginal rate to -15% from +15% (based on a tax break of 30%), I'll take it as...
by jmndu99
Tue Jan 24, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2904

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

Hello all, Please help me understand this. I am now in the 15% marginal tax bracket due to marriage. I was in 25% bracket before marriage. Before marriage, I contributed to a tIRA to save on taxes. Now, as married, I contribute to Roth IRA. How do I save 30%? Does someone have a picture that depicts...
by jmndu99
Mon Jan 23, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: my annual lessons the markets taught series, part 1
Replies: 8
Views: 2043

Re: my annual lessons the markets taught series, part 1

Thank you Mr. Swedroe. Lesson 2 really drove home the notion that "time in the market" is more important than timing the market. Lesson 3 reminded me that, during the beginning of the year market did nothing really exciting (my opinion), I continued to add to my pot, during the events that...