Search found 5329 matches

by JoMoney
Mon Aug 20, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: More than $55,000 in 401k contributions this year ?
Replies: 24
Views: 2004

Re: More than $55,000 in 401k contributions this year ?

So if I'm reading this right, https://www.fool.com/knowledge-center/c ... -time.aspx
The Pre-Tax $18,500 (for 2018) is an overall per individual maximum, but the after-tax or 'non-elective' limits is "per plan" ... ?
by JoMoney
Mon Aug 20, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: Question regarding roll-over of 401(k) and pension into IRA
Replies: 8
Views: 440

Re: Question regarding roll-over of 401(k) and pension into IRA

... My question was to do more with the fact if there are any legal/tax implications of combining funds from pension and 401(k). Both are tax deferred accounts which will be taxed upon withdrawal, right ..? Maybe, but probably not. When you commingle the funds it might prevent you from rolling thos...
by JoMoney
Mon Aug 20, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: How do you measure % of international holdings?
Replies: 10
Views: 657

Re: How do you measure % of international holdings?

My allocation is zero, so it's the same regardless.
I believe most people measure it such that the total of the portfolio = 100%
...UNLESS they specifically mention "of their equity allocation"
by JoMoney
Mon Aug 20, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 90
Views: 9195

Re: Vanguard predicts 10 year equity returns

We had a 10%+ drop earlier this year, and we're still barely recovering from it.
by JoMoney
Sun Aug 19, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Do You Believe Diversification Is The Right Strategy Only If The Investment Horizon Is Long?
Replies: 28
Views: 1950

Re: Do You Believe Diversification Is The Right Strategy Only If The Investment Horizon Is Long?

... I keep reading these articles that say something like the whole return from the stock market comes from a handful of stocks, etc. etc. etc. I probably have owned 50-60 individual stocks in my lifetime and this just isn't so. Yes you have your superstocks in a portfolio but within an index you h...
by JoMoney
Sun Aug 19, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3222

Re: Money Market Funds vs. Online Banks

Are funds more quickly available from online savings accounts than transfers from Vanguard MM if using ACH transfers? If they are, is this negated by the check writing available at the MM account? Possibly if it's at the same bank. One of the things I like about my Capital One Money Market account ...
by JoMoney
Sat Aug 18, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Diversification
Replies: 13
Views: 732

Re: Diversification

Most of the benefit of "Diversification" comes from the returns on the assets being uncorrelated. If they tend to go in the same direction, you're not getting that.
by JoMoney
Sat Aug 18, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: S&P CIT for 1 basis point, or Total Market for 1.5 basis points?
Replies: 4
Views: 240

Re: S&P CIT for 1 basis point, or Total Market for 1.5 basis points?

I have a preference of the S&P 500 index, others prefer Total Market. I don't think it makes that much difference, even at a .005 ER. I have different reasons for preferring the S&P 500, but noting that you also have DFA funds, I suspect you have a "tilt" to small-value stocks? If so, the Total Stoc...
by JoMoney
Fri Aug 17, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard REIT fund changes objective, name & index
Replies: 20
Views: 3771

Re: Vanguard REIT fund changes objective, name & index

I had no problem with the switch to the CRSP indexes. But when Tax Managed International becane Developed Markets I was much less happy. That Tax-Managed International change is one that would have irked me as a shareholder. I understand that the ETF share class would eliminate issues with capital ...
by JoMoney
Fri Aug 17, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 90
Views: 9195

Re: Vanguard predicts 10 year equity returns

willthrill81 wrote:
Fri Aug 17, 2018 5:12 pm
Tamalak wrote:
Fri Aug 17, 2018 2:20 pm
Please tell me these are real returns. I suspect not.
I'm pretty sure those are real return estimates.
Investment grade corporate bonds are yielding more than 3-4% nominal, if that's their expectation for equities as well... hmm.. :annoyed
by JoMoney
Fri Aug 17, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Lock Suitcases on International Flight or Not?
Replies: 24
Views: 1580

Re: Lock Suitcases on International Flight or Not?

If all I was checking was clothes, I wouldn't bother. I would have important things in my carry on. I like the zip-ties and carry a nail clipper idea though.
Niemanterry wrote:
Fri Aug 17, 2018 10:36 am
...Also tells you if anyone has been monkeying around with your stuff.
:thumbsup
by JoMoney
Fri Aug 17, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2704

Re: Discarding dead cell phone without purging my data

I think some of you have been watching too much CSI etc. After clobbering the phone to bits with a sledge, please explain who and how any data can be retrieved, using what readily available technology? It depends on whether or not the phones storage was encrypted, and if the memory chip is specific...
by JoMoney
Fri Aug 17, 2018 4:15 am
Forum: Investing - Theory, News & General
Topic: How to Underperform the Market
Replies: 48
Views: 4621

Re: How to Underperform the Market

Taking on too much risk. People who look at gamblers will often bring up "bankroll management" and point out that many gamblers would lose even if the odds were fair or in their favor because of poor bankroll management. Even with a positive expectation, there is some chance the player will hit a lo...
by JoMoney
Thu Aug 16, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 401(k) millionaires hits record high
Replies: 48
Views: 5394

Re: Fidelity 401(k) millionaires hits record high

This is when I start kicking myself for not being able to invest until THIS YEAR :oops: Don't get too down, they did say the 168,000 people were " exclusive group of savers is still just a fraction of the 16.1 million people who have a 401(k) account managed by the fund company " I was curious what...
by JoMoney
Thu Aug 16, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 401(k) millionaires hits record high
Replies: 48
Views: 5394

Fidelity 401(k) millionaires hits record high

Just saw this article, I would wager a chunk of these are Bogleheads - Congrats to those that hit the mark, and to those that are on their way ;) USA Today: " Number of Fidelity 401(k) millionaires hits record high " https://www.usatoday.com/story/money/2018/08/16/number-401-k-millionaires-hits-new-...
by JoMoney
Thu Aug 16, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7332

Re: Why the Yale Endowment Hate?

...the idea that short bonds generally reduce volatility MORE is clearly a myth. That's the point I was trying to make. https://image.ibb.co/n6kGXe/Untitled.jpg My point, is that most of the MPT 'optimized' portfolios are only knowable in hindsight, and what's 'optimal' in one period often isn't in...
by JoMoney
Thu Aug 16, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7332

Re: Why the Yale Endowment Hate?

The long term bonds are OK in an endowment, but they won't reduce volatility in an individual investor's portfolio. That's not true. .... Going back to the inception of VTSMX (Vanguard Total Stock Mkt Idx Inv), adding 20% of long term treasuries to VTSMX would have reduced volatility MORE than eith...
by JoMoney
Thu Aug 16, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7332

Re: Why the Yale Endowment Hate?

That looks very similar to many other slice-n-dice portfolios people have. Can you provide some examples of someone expressing the "hate" you speak of ? Maybe the "hate" would make more sense in context. It would make the most sense to ask the person who is expressing that opinion rather than asking...
by JoMoney
Thu Aug 16, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Article: A family of 3 gets by in San Francisco without anyone working a job
Replies: 9
Views: 1529

Re: Article: A family of 3 gets by in San Francisco without anyone working a job

2018 Median home price in San Francisco is $1.6 Million It was $850,000 in 2013. Over the past five years that works out to something close to $150k a year without anyone having a job... all you had to do was have a mortgage and a HELOC to spend the equity on.... likely not owing any taxes either :?
by JoMoney
Wed Aug 15, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 83
Views: 16941

Re: Jack Bogle - Two Fund Portfolio

ignition wrote:
Wed Aug 15, 2018 1:19 pm
JoMoney wrote:
Fri Apr 01, 2016 8:57 pm
I follow Buffett's advice of keeping enough in cash (including short-term low risk bonds) that I feel comfortable and putting the rest in a low-cost S&P500 fund.
Why S&P500 and not VTSAX?
viewtopic.php?f=1&t=250440#p3949740
by JoMoney
Wed Aug 15, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3100

Re: Best consumer products - made in USA

Buck Knives
Ruger, Smith & Wesson
by JoMoney
Wed Aug 15, 2018 4:14 am
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1804

Re: Mark Cuban bullish on Netflix and Amazon

Not a fan of Mark Cuban, he is an interesting character, but I don't regard him as someone with a lot of good advice.
If I remember correctly, the bulk of his money came from selling a money-losing 'dot com' company "Broadcast.com" during the late 90's tech boom.
by JoMoney
Wed Aug 15, 2018 3:04 am
Forum: Investing - Theory, News & General
Topic: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?
Replies: 21
Views: 1150

Re: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?

One time I was playing around with daily market data and trying to see if it made any difference if rather than buying on my pay-day if I waited until a particular day of the week. My initial results seem to indicate buying on Monday was better than Friday, then I looked closer and it appeared that ...
by JoMoney
Tue Aug 14, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: security concern older Chromebook
Replies: 4
Views: 338

Re: security concern older Chromebook

There are always security concerns. Not being up to date on the latest patches does elevate your exposure to threats. That being said, I would be less concerned with a non-updated Chromebook then a non-updated Windows PC (maybe even an updated WIndows PC, as long as the Chromebook wasn't being run i...
by JoMoney
Tue Aug 14, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: How do index funds affect stock valuations?
Replies: 16
Views: 1111

Re: How do index funds affect stock valuations?

The amount of money you're talking about, in an index fund (or any large cap stocks), would not have any noticeable impact on the market . As to the 'big' traders, say a Warren Buffett, I've heard him mention that when he or his associates start making moves on a stock they'll do it over time, tradi...
by JoMoney
Tue Aug 14, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1252

Re: Solutions for Printing from a Chromebook

I haven't personally owned a printer in over a decade (even before I moved to a Chromebook). I print to a .PDF file. If I absolutely have to have it on hard copy paper, if it's work related I'll email it to work and print it there, else I'll copy it to a USB drive and print it at a copy shop or libr...
by JoMoney
Mon Aug 13, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can the greedy 'Private Bank' make any money off my index funds?
Replies: 21
Views: 2116

Re: Can the greedy 'Private Bank' make any money off my index funds?

... Maybe the OP has found a private bank service that is like the Savings & Loan branches in the 1970's when there was often a hot coffee dispenser/cups in the lobby and a plate of fresh cookies nearby and sometimes a current Wall Street Journal to peruse from a comfy chair. It was a different tim...
by JoMoney
Mon Aug 13, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2449

Re: Decided on Chromebook, now need spec help

If you're getting a Chromebook mainly to avoid Windows (I don't blame you), I'd look at installing Linux Mint on a laptop. You can even dual boot with Windows if necessary. You could dual-boot or run a different Linux distribution concurrently on a Chromebook (the Chrome OS is a Linux variant thats...
by JoMoney
Mon Aug 13, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: S&P Risk Parity Index Family
Replies: 9
Views: 528

Re: S&P Risk Parity Index Family

Ray Dalio is a somewhat famous billionaire founder of the hedgefund/investment company "Bridgewater Associates". He's a bit outspoken with regard to economics, business, and investing; gives speeches, news appearances, books, etc.. His "All Weather" portfolio is one of the more prominent examples of...
by JoMoney
Mon Aug 13, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX, rebalancing...market crash question
Replies: 14
Views: 1780

Re: VTSAX, rebalancing...market crash question

I'm riding along with VFIAX rather than VTSAX... close enough.
Call me Pollyanna (but I'm prepared for it whenever it does come around).
I don't see anything else out there that looks more appealing as an investment.
by JoMoney
Mon Aug 13, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: USB drive over Wifi?
Replies: 3
Views: 486

Re: USB drive over Wifi?

Yes. Plug it into a computer and then "Share" the storage to the network (how to do that depends on operating system). You could buy a mini Raspberry Pi and set it up to do what you want. Here's some stand-alone devices (that I have no experience with) that suggest they can do what you're looking fo...
by JoMoney
Mon Aug 13, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2449

Re: Decided on Chromebook, now need spec help

^ Weird. That hasn't been my experience. I will frequently have a video streaming, a Google-Sheet open, and a few other tabs with mail, news, and maybe a chat session. I have an older model Chromebook on the lower end with 2gb of RAM. I haven't noticed anything that would make me think having more p...
by JoMoney
Sun Aug 12, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4814

Re: How often do you check your brokerage accounts

I verify after every transaction, which is at least every two weeks with my payroll deposit. https://personal.vanguard.com/us/help/SecurityOnlineFraudPledgeContent.jsp Vanguard's online fraud policy At a minimum, in order for this protection to apply, you must take the following steps: ... Review yo...
by JoMoney
Sun Aug 12, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2067

Re: reliable online public forum

Valuethinker wrote:
Sun Aug 12, 2018 8:31 am
Liberty1100 wrote:
Sun Aug 12, 2018 7:53 am
Reddit.com and it’s variety of subReddits will cover all of those topics.
Whoosh

Don't you find the crazies there? I have dabbled a little and found the viewpoints to be ... Extreme?
It's moderate compared to Twitter ;)
by JoMoney
Sun Aug 12, 2018 4:08 am
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2067

Re: reliable online public forum

You mean which one is the least unreliable? This one seems reasonable enough to me, but it's still anonymous advice offered for free by random strangers without 'skin in the game' when in comes to caring about your specific situation.
by JoMoney
Sat Aug 11, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1994

Re: Sucking up to make more money?

masonstone wrote:
Sat Aug 11, 2018 9:26 am
I just have a very hard time sucking up, even if it will result in a pay increase. Anyone else feel the same?
Sure, but if not "sucking up" means you're making waves you better have something else that makes it a bigger problem letting you go than keep you around.
by JoMoney
Sat Aug 11, 2018 2:55 am
Forum: Personal Consumer Issues
Topic: Would you allow your car stereo to run USB debug mode on your android phone?
Replies: 6
Views: 881

Re: Would you allow your car stereo to run USB debug mode on your android phone?

... debug modes can be pretty wide open in what they can do, and I'm not sure I want to give that access to some random developer in China, even via the car stereo ... :thumbsup I'm certain I wouldn't want to ;) I'm of the opinion that these things are largely distractions and not compatible with s...
by JoMoney
Thu Aug 09, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Illiquidiity scenarios for Mutual Funds/ETFs
Replies: 21
Views: 1167

Re: Illiquidiity scenarios for Mutual Funds/ETFs

In-Kind Redemptions and Mutual Fund Investments : https://www.thebalance.com/in-kind-redemptions-and-your-mutual-fund-investments-357956 SEC rule 22e-4 " Investment Company Liquidity Risk Management Programs " https://www.sec.gov/rules/final/2016/33-10233.pdf Interesting Vanguard comment: https://p...
by JoMoney
Wed Aug 08, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: Dividend Growth Investing--what's the attraction?
Replies: 12
Views: 1286

Re: Dividend Growth Investing--what's the attraction?

Dividends signal something about a company. Lowering or stopping a regular dividend is treated adversely in the market, and a company that has a long history of uninterrupted and rising dividends is a pretty good signal that the company is doing ok financially and that the management is taking the s...
by JoMoney
Wed Aug 08, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6466

Re: "Dollar Tree Store" favorites

Since this site is full of very knowledgeable people.... Can someone tell me if 'Tapatio' hot sauce sold here is legit? It's the 10oz container, but everywhere else it sells for around $5... Here $1. After reading about the toothpaste and other consumption goods sold at the dollar tree I'm wonderin...
by JoMoney
Wed Aug 08, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6466

Re: "Dollar Tree Store" favorites

Since this site is full of very knowledgeable people.... Can someone tell me if 'Tapatio' hot sauce sold here is legit? It's the 10oz container, but everywhere else it sells for around $5... Here $1. After reading about the toothpaste and other consumption goods sold at the dollar tree I'm wonderin...
by JoMoney
Wed Aug 08, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 6597

Re: Jamie Dimon: Higher rates are coming

I hope he’s right. That would be just fine with me. I would like to see higher rates as well. Every time the 10-year treasury yield drops back below 3% I am disappointed. Would like to see it comfortably above 3. Higher 'real' interest rates might be nice, higher rates that are actually a negative ...
by JoMoney
Tue Aug 07, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Facebook asking banks for customer date "to offer more services" !?
Replies: 15
Views: 1026

Re: Facebook asking banks for customer date "to offer more services" !?

delamer wrote:
Tue Aug 07, 2018 3:03 pm
I have been debating about closing my Facebook account, and this may be the tipping point.
I've been considering the same, was mostly just considering stop using it, this just adds to the reasons to delete the account completely.
by JoMoney
Tue Aug 07, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Facebook asking banks for customer date "to offer more services" !?
Replies: 15
Views: 1026

Re: Facebook asking banks for customer date "to offer more services" !?

ResearchMed wrote:
Tue Aug 07, 2018 2:06 pm
... what could be done withOUT the bank clients' permissions? ...
Thing is, they likely already have blanket permission from you to share some data with their partners.
i.e. https://www.bankofamerica.com/privacy/c ... -notice.go
by JoMoney
Tue Aug 07, 2018 3:51 am
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1707

Re: if foggy go to Avila Beach

lot nicer weather and nicer beach.....about 10 minutes North like which one? Can you give the names? Shell Beach, Avila Beach, Sand Spit Beach, Morro Bay and Cayucos I would all rate higher than Pismo. Water is cold at all of them. They are all nice. Lots of good hiking around Spooners cove (Montan...
by JoMoney
Mon Aug 06, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Ten days in Australia
Replies: 17
Views: 1362

Re: Ten days in Australia

unclescrooge wrote:
Mon Aug 06, 2018 2:27 pm
...
Is there Uber in Australia?
Yes, there is in Sydney.
by JoMoney
Mon Aug 06, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1707

Re: if foggy go to Avila Beach

slayed wrote:
Mon Aug 06, 2018 1:28 pm
FB01 wrote:
Mon Aug 06, 2018 1:20 pm
Socrates28 wrote:
Mon Aug 06, 2018 1:13 pm
lot nicer weather and nicer beach.....about 10 minutes North
like which one? Can you give the names?
probably talking about Morro Bay. water is cold there too though.
Avila Beach (water still cold)
by JoMoney
Mon Aug 06, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6466

Re: "Dollar Store" favorites

Travel size toothbrush/paste and deodorant
Electronic cables
by JoMoney
Mon Aug 06, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1707

Re: Coldness Pismo beach water

The water at Pismo is always cold.