Search found 121 matches

by willie838
Wed Aug 14, 2019 3:04 pm
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 91
Views: 12841

Re: Has anyone invested in marijuana stocks?

Wiggums wrote: Wed Aug 14, 2019 1:04 pm This is not an area that interests me. Having said that, it’s your money. Feel free to invest in it. I do think that this big gains are gone. Will they return? I don’t know but it seems like the newness is wearing off and I hear about more people taking losses.
In many ways I agree, I think that like canopy, tilray aurora..... The big players, that they have a lot of earned value to make up for speculation pushing prices higher.

That said there are many smaller players that haven't really caught the wave yet.
by willie838
Wed Aug 14, 2019 9:20 am
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 91
Views: 12841

Re: Has anyone invested in marijuana stocks?

Me. I went to a legal dispensary in Massachusetts,and the next day I came back and opened my play money portfolio with narrowing 12 companies down to 6 that I'd been researching for about 10 months. The dispensary had opened on 1/1 and projected 6-8 million for the year. It had done 17 million by June. Enough. I've seen it with my eyes. This isn't a fad, the genie isn't going back into the bottle, and the wheel is going to turn (maybe slowly) but barriers are coming down and this is going to be absolutely gigantic. One company I own's ceo gave an interview about discussing with his partner looking at Vegas where they'd been a mayor in Henderson and a councilman in Vegas, and run a successful real estate development venture as partners .... ...
by willie838
Mon Jul 16, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Small Personal Loans for Mixed Martial Arts Training
Replies: 35
Views: 3940

Re: Small Personal Loans for Mixed Martial Arts Training

Ever checked back in here.... It looks like it wasnt viable to do at the time financially. If you have one friend who's interested you can learn a hell of a lot just from YouTube and certain high level practitioners Instagram accounts. Your mechanics will not be solid from the ground up but you'll get a hell of a lot of training and practice and knowledge just from using free resources. You can hop on YouTube right now and watch literally hours of Eddie bravo playing rubber guard to mission control, to lockdown, and learn one move at a time and gradually chain them together. Good luck, and please remember, practice technique over brutality. I jacked myself up falling back on strength and stamina against better bjj classmates. All of my inju...
by willie838
Mon Jul 16, 2018 4:33 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 517
Views: 76796

Re: What is/ was your career and would you recommend it now?

The only job that will make the LEOs here shake their head in pity. Corrections officer, or de-euphemitized Prison Guard. Would recommend? No. When I first got the job I took to para military like a duck to water and liked my job.... 5 years in now? I feel like I have to approach my job like alcoholism.... One day at a time. Retirement isn't what it used to be for newer hires. My path was pretty meandering. Retail, to electrical contracting, to full time poker player, back to electrical work and as I crested late 20s I took a few tests because I realized that unless I wanted to own my own business in electrical and be 24/7 on call....... I was going to be used up and spit out as a worker. Hit the corrections academy running from a frigid no...
by willie838
Sat Mar 10, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 5993
Views: 699842

Re: Netflix, Your Current Favorite Show

ozark....

great show, been a big jason bateman fan since arrested development but this is him in more of a dramatic role.

very well crafted season for sure.
by willie838
Thu Mar 08, 2018 2:38 am
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 42069

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

just like last year.....

log on within a day or two after announcement

and find tickets sold out.

can i please just buy a ticket to 2019 so this doesn't happen for a third year in a row to me
by willie838
Mon Mar 05, 2018 12:50 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 46
Views: 8944

Re: Is it "cute" to invest in sector funds?

ahh i remember when i tried to get cute i bought into vanguard's energy fund when oil dipped to 50 a barrel.....hell...it'll never go lower than that! a year later i was doubling down, buying the same $ amount as oil had slipped to near 30 iirc as it rebounded and i squeeked out a small win i sold it off in 2 sales. what wasn't cute was that after i had bought in i really started investigating the field and realized what a compromised position i had put myself in as opec was looking to join together in unity and slow down production to drive up price, while us shale oil producers were flooding the market and keeping the price low. regardless, i was in over my hea dand i'm glad i got out with a small win as i expect that sector to be flat fo...
by willie838
Fri Feb 23, 2018 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Small Personal Loans for Mixed Martial Arts Training
Replies: 35
Views: 3940

Re: Small Personal Loans for Mixed Martial Arts Training

ive never heard of a bjj trainer or anyone in that business that would want the whole 1500 for the year up front....a lot more people can scrap together 150 a month or whatever.
by willie838
Mon Feb 19, 2018 6:33 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

i truly miss seeing the dividends stack up from the assorted vanguard funds i was holding......

considering transitioning to making roth contributions to the 457b because the tax climate may never be better for it......

i have an outside roth ira but the idea of getting all the invested money and growth out without any tax burden in the future seems like a really beautiful deal. Up until now i've almost been hedging (well, at about a 3:1 pre tax contribution vs roth ira contribution)
by willie838
Mon Dec 11, 2017 7:52 am
Forum: Personal Investments
Topic: Bitcoin IRA
Replies: 28
Views: 3848

Re: Bitcoin IRA

WanderingDoc wrote: Mon Dec 11, 2017 12:45 am Makes me wonder.. If Bitcoin goes to $20K by end of 2017, 40K by 2018, and $100K by 2020, will people on this board keep saying "too late to the game" "end of the Bitcoin bubble" then? :D
i'll still be sitting here quietly smiling at the 1 bitcoin i snatched up when it was 1k/coin.

:happy
by willie838
Tue Dec 05, 2017 12:32 am
Forum: Personal Investments
Topic: Stable Value funds in 529 Plans
Replies: 14
Views: 2067

Re: Stable Value funds in 529 Plans

nys stable value in 457b account which should be quite similar was 1.94 over the last year.
by willie838
Thu Oct 19, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 16538

Re: Anyone planning on getting the new Pixel phone?

I've pre-ordered and am trading in my Nexus 6P as part of it. The 2XL is very close in size to the 6P so I know it will be comfortable. The waterproofing (submersion to one meter) and camera quality were the big draws for me. There are reviews coming through from tech sites. You may want to read a few of them. oh man you may have missed the scam of the year I saw that google was offering replacement pixel xl for people that bought their 6p from them, due to the repeated boot loop battery issue i did, never had any extended warranty and only a few time experienced the boot loop. Anyway, i read through the checklist of what the tech would ask me contacted customer support said that i did all the basic attempted repairs for my 6p provided my ...
by willie838
Fri Oct 06, 2017 3:28 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

how is everyone making out with this a few months in....

i was just looking over the full listings and checking ERs...i'm unsure why but.

NYSDCB RUSSELL 2500 2.25
NYSDCB Equity Index 0.84
NYSDCB Debt Index 1.98

....

whaaaaaaat.
by willie838
Tue Jul 25, 2017 4:19 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

i hate that i can't really get a combined portfolio view ( i had my 457 as outside investments on vanguard....) now that the funds are not on the exchange.
by willie838
Mon Jul 03, 2017 2:54 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

are you guys noticing a differential on your accounts when you total up your dividend distributions, and the listed quarterly dividend distributions? for 3/30-6/1 the quarter activity lists 143.` but my totals equaled, 200.71 .... when i added them up individually. so that's 57.71 difference in value......which, even for the listed 19.07 fee would still leave money unaccounted for. ... can someone compare their dividends listed total, then the sum that they reach when totaling the listed dividend payouts? ..... also, maybe it was lost on me before, but you do like that the * differential between the gross expense ratio and the net expense ratio goes to the fund manager for fees n blah blah..." i always understood this to be the case fo...
by willie838
Mon Jun 12, 2017 7:00 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

most of his correspondence ad sic. --- A Supplemental Newsletter is going in the mail this week and participants who elected e-delivery will receive an email link tomorrow. This document will include the details you are probably looking for. The changes are effective July 10, 2017. ---- We have sent two Quarterly newsletters announcing changes but could not include all the details until all the contracting issues were resolved (they are.) ----- The selections were made at the December Board meeting but they are subject to contract negotiations. Sometimes, a suitable contract can’t be negotiated or there are operational issues that make an option unworkable. --- Me: "Personally I'm pretty dumbfounded that an a group that handles such a ...
by willie838
Mon Jun 12, 2017 2:24 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

ive been in contact with david fisher, the head of the plan

per him, an email was going to be sent out over the last 2 days or so with plan details to those receiving fully electronic communication....i am not paperless so i haven't gotten it yet...

if any member here got it can you cut and paste it up here for everyone? Thank you.
by willie838
Thu Jun 08, 2017 4:15 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

The Board added Vanguard Strategic Equity Fund. Here is the description. " Fund facts This actively managed fund purchases mid- and small-capitalization stocks that the advisor believes have above-average growth potential. The advisor relies on a computer-driven stock selection process in an attempt to build a portfolio with risk characteristics similar to those of the fund’s comparative index, while seeking to provide better returns. Because it focuses on medium-sized and smaller companies, the fund’s performance may be more volatile than that of the broad U.S. stock market. This fund may be considered complementary to a long-term portfolio with large-cap exposure." lol, i just hedged on energy a few months ago and bought into t...
by willie838
Wed May 17, 2017 1:47 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

Found a lot of info on this site

http://m.pionline.com/article/20161208/ ... ent-lineup



...

I feel a lot better, prime cap is a great fund but a different vehicle than capital opportunity...

Going to have to deal with it though.

They have up until 3/18 to make changes effective but expect them sooner.
by willie838
Sat May 13, 2017 12:43 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

i'm so anxious that this goes into effect in....july? and we have almost no info.


that's because i have multiple plans to overhaul for people, as well as continue to figure out the sro/sdo option's viability

while working 80h/week.


fun fun fun.
by willie838
Sat May 13, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 6965

Re: What to do with older laptop?

drill holes through it with your cordless drill.

multiples.....so it looks like a shotgun blast hit it.

i want everything on there as unrecoverable as possible.
by willie838
Wed May 03, 2017 6:04 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

I'm thinking of leaving the NYSDCP because of these changes and rolling over my funds into a Vanguard 401k. I like Vanguard's transparency and simplicity. What is the main benefit of the 457b vs 401k? Is it the lack of a 10% early withdrawal penalty if I retire before 59 1/2 yrs? If I do not plan to retire early, what are other reasons to leave funds in the NYSDCP? There is another option that is so hidden about this account NYSdcp has a deal with schwab that allows you to have a SRO, and buy any funds you want in the market. I don't remember how I stumbled across it, but when I spoke with a rep a few weeks ago she said that when you sign up they give you 3 options, go with target date if you're basic, full plan menu if you're intermediate...
by willie838
Tue Apr 11, 2017 6:59 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

that's part of what i battered them with in an email last night.


there are billions under management in this plan

this was passed in december, it's april now and going into effect in may.

nowhere in the quarterly newsletter was it mentioned, there are no, NEWS segments on the site, and no real information passed out to almost anyone.

the group has not acted very professionally in informing participants of the changes.


was i going to log in and see that my AA of- vanguard total bond, vanguard small cap, vanguard mid cap, etc were all just converted to a "correlating" product?

wow how low rent.
by willie838
Tue Apr 11, 2017 1:18 am
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 136
Views: 25648

Re: Changes to NYS Deferred Compensation Plan

I had no idea that this happened.

Guess u was going to find out when I logged in after it took effect to see I was invested in all new products.

Have you guys looked through the Charles schwab SRO program that NYSdcp is offering now?

I'm going to pull the rep aside next time he's on site for a explanation of this stuff.
by willie838
Fri Apr 07, 2017 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 11485

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

They used to I believe.

Then it changed to an offer to convert 1200h of sick to free health care for life. So about 15 pay periods, or roughly 7 months of sick for free Healthcare forever... Not a bad deal if you retired at 46 or 50 or even 60 years old.

Ahhh old state pension provisions.
by willie838
Fri Apr 07, 2017 3:30 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 41355

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Darn.... Missed announcement and sign up. :oops:

Was hoping to make it to my first BH conference.

Add me to the miracle list - as I'm sure many Bogle head members won't be prompt with paperwork and payments Lol :D

--

People looking for activities around the conference should look into seeing if Eastern State Penitentiary is running their Halloween event around this time. It's a fun night and surprisingly intense. During the day it's a great way to spend an afternoon in the original prison in the United States. History fans will enjoy the day, those with strong hearts will enjoy the night show.

Cheers.
by willie838
Sat Mar 25, 2017 1:29 am
Forum: Personal Investments
Topic: 401k/457 Help
Replies: 8
Views: 899

Re: 401k/457 Help

Wow very impressive... I wonder how many guys on the job know they can do both... if you're in tier 3 I feel it's a requirement but I guess to each their own similar field, but i'm with the state.....where your clients go to enjoy their earned vacations. 457 i'm going to try to cap this year on my 3rd/4th year. OT has been dry so it's looking very difficult until the faucet opens in a few weeks. i have no idea if i can have a 401k as well......... you may be the first 24 year in line veteran of your department, i've come across many ten+ year with assorted debilitating diseases. 3/4itis :mrgreen: :beer - you guys deserve it all. had a friend in your academy at the same time i was in mine.....we get together and laugh about who has it worse...
by willie838
Sun Mar 19, 2017 1:29 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 78
Views: 8113

Re: Looking for a snazzy car

lifelong civic owner 88 was first car, replaced with an 03 civic brand new that i drove to 278k when the radiator was puking and ignition crapped out (lol laser cut keys, expensive replacement) replaced with a 14 lexus is 250 awd. 14.5k miles for 29k. i love this car so much. it makes me happy every single time walking up to it and driving it. seriously. 29k with low mileage for basically a fancy toyota foundation dressed up? it's fancy/reasonable at the same time. very sharp looking fun car. ---i was going to go with a new sedan but new accords are blah to me, camrys are worse, mazda 6 decked was 33kish....and it's only a 4 cylinder 184hp car regardless. may seem odd but i saw a lot of value in the 14 lexus is 250 at a 29k price with sub 1...
by willie838
Tue Feb 28, 2017 6:52 am
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 15458

Re: Used German Luxury vs New Japanese

I drove an 01 civic to 278/death (radiator went, ignition locked about the Same time) Upgraded to a 14 Lexus is 250 f sport awd... 14.5k miles, 29k purchase price. Because even when I'm going to a nice car.... I'll still defer to a tested Japanese brand and their track record for reliability (it's a Toyota underneath, just one with a way more appealing exterior and interior package). I love this car, seriously. I have had multiple sport bikes and I would leave a store or wherever and Just get a... "Dammo, look at this thing" feeling where their asthetic would just please me and make me proud. My f sport elicits the same feeling every time I'm walking out to it. Shied away from German due to maintenance..... I have private mechanic...
by willie838
Tue Feb 21, 2017 9:18 pm
Forum: US Chapters
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 30567

Re: Sad News About a Respected Forum Member

thanks for all your contributions and sharing of insight to help assist past current and future members.

god speed.
by willie838
Sat Feb 18, 2017 12:13 am
Forum: Personal Investments
Topic: Parents variable annuity 1035 to vanguard
Replies: 8
Views: 1355

Re: Parents variable annuity 1035 to vanguard

hate to bump but.....anybody?

trying to steer them towards Vanguards Personal Investment Services, luckily the Vanguard variable annuity does not have any surrender fees attached to it so it stays relatively mobile.
by willie838
Wed Feb 15, 2017 2:05 am
Forum: Personal Investments
Topic: Parents variable annuity 1035 to vanguard
Replies: 8
Views: 1355

Re: Parents variable annuity 1035 to vanguard

Just one item willie: 1. Return of premium Death Benefit (MUST BE SELECTED AT START OF CONTRACT) (0.2 expense ratio) This locks in the base of the contract as a ceiling. Ex- The 100k investment would be locked in as the principal, so even if the market downturned to 50k value for the annuity then the premium of 100k would be distributed to the beneficiaries at time of death minus distributions. I believe the minimum "locked in" would be equal to the total amount exchanged to Vanguard (via 1035 exchange) rather than the initial 100K invested in the earlier Annuity. Dale yes, i just used a number as an example as of a few days ago it would be 180k. But i'm not sure if it's worth paying for- the question still remains as to the opin...
by willie838
Tue Feb 14, 2017 6:07 pm
Forum: Personal Investments
Topic: Parents variable annuity 1035 to vanguard
Replies: 8
Views: 1355

Re: Parents variable annuity 1035 to vanguard

Why move into another variable annuity? Look at simple CD type annuities with guaranteed rates, then after the term move to IA. I can't ever see a reason to be in a VA. as they were already invested in it, i am very much unaware of options they have to move the money out of the annuity and tax costs associated with such a move as it has appreciated from the initial investment. this idea actually struck me today before your response, and i will continue to push them towards working with a vanguard financial advisor as i find their fees super reasonable- and i also want to avoid being involved with their finances as much as possible. Money can be such an emotional topic for people that I do not want to mix family and money if at all avoidabl...
by willie838
Tue Feb 14, 2017 9:29 am
Forum: Personal Investments
Topic: Parents variable annuity 1035 to vanguard
Replies: 8
Views: 1355

Parents variable annuity 1035 to vanguard

I've finally convinced my parents to move an annuity they bought in 1999 to vanguard from edward jones (it's been held and transferred by multiple companies). Back story: In 1999 after watching his coworkers make money hand over fist in the stock market, my parents threw 100k in at the crest of the wave crash. At that time my father was 47 and my mother was 44. They found a "financial advisor" locally who sold them on a variable annuity with a front load fee (i believe) :oops: . They held in strong during the dips and i finally took a really hard look at it about two years ago after gradually becoming more and more suspicious of the balance and vehicle. 100k was in the 160s when we started this review in mid 2015. Upon review i wa...
by willie838
Thu Feb 09, 2017 12:53 pm
Forum: Personal Investments
Topic: Should I convert 457b funds to an in-plan Roth rollover?
Replies: 9
Views: 1313

Re: Should I convert 457b funds to an in-plan Roth rollover?

I have no answer but I'm going to be watching this closely as I have a similar situation (eventually, ugh- so far to go) but I don't know if 457b account is eligible for the Roth conversion.

I'm almost 4 years in and hoping to hit the max 18.5 this year and keep that going forever, while making a full Roth ira contribution each year.

Tier 6 for the loss!
by willie838
Tue Jan 17, 2017 2:18 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 5162

Re: Heavy duty cordless drill/hammerdrill recommendation

yeah you're looking for milwaukee m18.

if you've got cash and really want a beast, get the fuel line.

i use milwaukee exclusively because i feel like dewalt is just garbage.

i don't have the fuel version, but it's brushless and has a longer run time than the standard m18- which is super efficient and powerful as hell.

i picked up a 4 pack- drill, impact gun, light, and hackzall ( it's like a right angled sawzall) for i think 400 a few black fridays ago at hd- zero regrets. quality.
by willie838
Tue Nov 29, 2016 12:04 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 15865

Re: Honda Cars

i ran my 03 civic to 278 before the radiator developed a pretty solid issue and simultaneously the ignition crapped out. it proved to be a pretty costly repair so the car was basically totalled. i kind of like having a nice motorycle (honda also btw)- where when i walk out to it i just go......damn, and admire an angle or two every single time. i ended up getting a 14 lexus used with 14.5k on the clock for almost 5k under book/bank value- and still around the same price as moderately loaded new accord. didn't feel like i could go too wrong when i pulled the trigger. lexus is basically a toyota with a better facade so i'm pretty comfortable with the reliability. it's AWD, and 6 cylinder. I honestly found every excuse i could to upgrade. i al...
by willie838
Tue Sep 13, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: deleted
Replies: 47
Views: 3624

Re: is it possible to be a gambler and boglehead

i found this forum and bogle through a poker messageboard.

not all gamblers are reckless in their approach.

i'm a lifetime winner and play within my means still occassionally.

it's absolutely possible. To be honest- there is a real conservative nature to playing poker professionally for most people that do it effectively. it would suprise a lot of outsiders.
by willie838
Thu Aug 11, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 20437

Re: How much vacation time do you get at work?

3 2 week vacation slots if you have the time to use them...

accrue

PTO - 13 days/year scheduled, and 1 day off for each holiday that passes so approx 20 days/year. (320 hour cap)
Personal leave- 5 days
Sick time- 13 days/year

i worked a lot my first 3 years so my bank is very healthy, plan on taking all 6 weeks going forward.

after 7 years you accrue PTO at 19 days/year + 1 day/ holiday.

not to mention the ability to shift swap (work for someone else and yourself) and build your own vacations where people work for you.

not too shabby.
by willie838
Wed Aug 10, 2016 2:57 pm
Forum: Non-US Investing
Topic: moving to Thailand: US taxes + how to get money back to the US?
Replies: 31
Views: 6673

Re: moving to Thailand: US taxes + how to get money back to the US?

behave yourself. :happy

200k USD is astronomical money in thailand.
by willie838
Tue Aug 09, 2016 11:55 am
Forum: Personal Investments
Topic: Slightly confused by 457b selection and description
Replies: 2
Views: 461

Re: Slightly confused by 457b selection and description

in the prospectus there is a break down of the holdings for that particular fund.

the thought is to move some $ over while i think the market is a crazy high level and then shift over during a correction- because you know- catching the falling knife is such an easy thing to do. haha

----

i'm going to give a call today and get to the bottom of how the state is offering these products at 0 cost.
by willie838
Mon Aug 08, 2016 11:16 pm
Forum: Personal Investments
Topic: Slightly confused by 457b selection and description
Replies: 2
Views: 461

Slightly confused by 457b selection and description

I was just reviewing my 457b plan offerings and there are several funds listed that have a "N/A" for expense ratio. Apparently they are funds managed by the state, as they don't have traditional listings like VTI or anything that is easy to locate. i emailed them today as i've been toying with the idea of market timing ( :oops: ) and wanted to know what the true cost of their "stable income fund" was. The reply i got really suprised me per the email "Any fund listed within the plan that has an N/A expense ratio has no expense ratio" ---- needless to say, i find that pretty hard to believe. I don't know why they wouldn't just list it as 0.0, as that would be a lot easier to understand at first glance. Two intern...
by willie838
Sun Jul 31, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: is this wise? purchasing honda cbr 250r
Replies: 59
Views: 5905

Re: is this wise? purchasing honda cbr 250r

my first street bike was a 96 cbr 600 f3.

it was plenty plenty plenty to learn on. Definitely sketchy at 18 on it.

i've got an 06 1k rr now and it is simply stupid fast.

----

get it and enjoy it. In a year, sell it for a slight loss and move on up once you have some seat time and road miles under your belt.

smaller bikes seem to devalue slower so you'll be good.

above all, do 0 modifications to it except maybe frame sliders. it's not worth putting anything into accessories to make it quicker.

next year i'd say look for a 600 supersport that's approx 10 years old. Should be cheap and you'll be entering a whole differrent world.

be safe chief.
by willie838
Tue Jul 12, 2016 11:32 pm
Forum: Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 112
Views: 16985

Re: Am I a little crazy to be thinking this way?

Then, once I get to that point, I can spend time doing a ton of other things that I would like to do, such as travel the world and spend more time with friends/family, etc. ehhhh. balance dude. i'm a late investor and late into starting a career but i don't really regret the wild path my 20s held. you're young, handsome and free for a certain window in your life. i'd honestly feel cheated if i had locked in and skipped out on all that i did by being young and wreckless. granted i'll be working later than many on this board but i'm ok with that because stuff i got to do is literally priceless looking back on it. ---- so, i'd say balance. you do want to travel a bit and do some wild stuff while you're young, but you can do that while still a...
by willie838
Tue Jul 05, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Honda extended warranty
Replies: 38
Views: 9922

Re: Honda extended warranty

glad you were able to get out of it.

i can't imagine you were going to get much use out of it.

just turned 272k on my 03 civic. :shock: :happy originial clutch. gas, oil, tires and the scheduled belt work. so so so practical. :moneybag
by willie838
Sat Jul 02, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 26218

Re: What do you spend your money on???

fast women and illicit activities.
by willie838
Sun May 22, 2016 1:55 am
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 72
Views: 9531

Re: Which HBO show to watch next?

rome is fantastic.

i've heard good things about vinyl.


---

i'd recommend stepping out and catching some starz shows.

magic city and party down are very good. party down may be one of the funniest shows ever on television.

too bad starz had a tendency to give shows a 2 year leash then cut bait.
by willie838
Tue May 17, 2016 12:48 am
Forum: Personal Consumer Issues
Topic: Trade in BMW?
Replies: 45
Views: 7399

Re: Trade in BMW?

i'm trying so hard to find people selling cars like these.

between the rock and the hardspot. stealership wants to rob you on the trade in, private sale is a pain in the ass for a lot of people so they just take the trade in undercut.
by willie838
Wed May 11, 2016 10:51 pm
Forum: Investing - Theory, News & General
Topic: Dough Roller by Rob Berger, 100th Podcast
Replies: 6
Views: 1961

Re: Dough Roller by Rob Berger, 100th Podcast

grabbing 4 episodes now.

i suspect i'll like it and try to fit it into the rotation.

thanks for the recommendation because i missed whatever thread it was first discussed in.
by willie838
Wed May 11, 2016 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 158
Views: 32735

Re: Poll: Let's talk wristwatches

i have a black g shock i purchased for myself when finishing a training academy for a new career.

the job doesn't allow cell phones inside the front door- so it stays in my glove box.

it's pretty damn durable and i think it was about 115. Looks good.


as for top end watches?

i grabbed a breitling knock while i was in thailand for ~40 usd. I really don't care about faking the funk- it looks really really sharp and holds time just fine. I wish i had bought a dozen of them and flipped them in hindsight.