Search found 805 matches

by Trader Joe
Fri Jul 19, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay attention to new corporate strategy communications?
Replies: 9
Views: 414

Re: Should I pay attention to new corporate strategy communications?

I have always ignored emails and meetings about new corporate strategy. My ears don't prick up until it directly affects the work I am doing ( which is almost never ).. It seems these new strategies come up every few years and are just a way for upper management to look like they are doing somethin...
by Trader Joe
Fri Jul 19, 2019 2:20 pm
Forum: Personal Investments
Topic: Admiral v Vanguard ETFs (Now with Lower Expense Ratio)
Replies: 3
Views: 174

Re: Admiral v Vanguard ETFs (Now with Lower Expense Ratio)

Historically, Admiral Shares had same expense as the ETF. Now, some sister Vanguard ETFs are lower, and CEO says likely the spread between ETFs and Admiral Shares will grow b/c less admin hassle for ETFs. With that said, normally I like Admiral Shares b/c easy to buy fractional shares, etc. with di...
by Trader Joe
Fri Jul 19, 2019 1:57 pm
Forum: Personal Investments
Topic: Bad time to enter the market?
Replies: 32
Views: 2458

Re: Bad time to enter the market?

Hi Bogleheads, This is my first post here. Need some advice on helping my mom invest her money. My mom (Age 50) has about 130k currently sitting in the bank. She has never invested in the stock market before and knows nothing about investment. She's planning to put about 15k a year in the stock mar...
by Trader Joe
Fri Jul 19, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 68
Views: 2242

Re: Do you buy cellphone outright or pay over 2 years?

Since phones can now be financed at 0% (the full price is spread over 24 equal payments), I'm wondering how Bhs approach this. Assuming that paying the full price of a $700-$900 iPhone in not a financial hardship, for example, do you just buy it and have a monthly bill that's $27-$32 less per month...
by Trader Joe
Thu Jul 18, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Chromebook
Replies: 18
Views: 1094

Re: Chromebook

Has anybody bought a chromebook and enjoyed using it? I will be travelling internationally to a hardship location with limited internet and I rather not bring my first love an i7 alienware laptop just incase it gets damaged. Thus the choice of a chromebook mainly for work, watching movies and basic...
by Trader Joe
Thu Jul 18, 2019 6:25 pm
Forum: Personal Investments
Topic: This is bad right?? [my investment earnings]
Replies: 40
Views: 3375

Re: This is bad right?? [my investment earnings]

Try to make a long story short. I am a divorced woman. My ex-husband used to take care of our investments. I was a little overwhelmed at the time of the divorce and I needed some help. I trusted my friend who is a financial advisor to help. I didn’t really think that much about it until recently. I...
by Trader Joe
Thu Jul 18, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 77
Views: 5960

Re: Harrassed at work, what steps to take to protect her future employment

I have a 64 year old friend living in San Diego who’s been at the same company for 30+ years. Recently there have been actions taken that seem to indicate they want to force her to quit. They gave her a bad review for the first time. She’s feeling the stress as they've given her an increasing amoun...
by Trader Joe
Wed Jul 17, 2019 4:37 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 45
Views: 3224

Re: Ferri? Or Vanguard PAS?

I¡ve had a Vanguard account over 10 years (Roth: about 50/50 VFIAX and Target Retirement). I've grown to feel very comfortable with Vanguard philosophy, operating principles. The balance of my traditional retirement funds ($240,000) are actively 'managed' accounts from back from when I knew a lot l...
by Trader Joe
Tue Jul 16, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4693

Re: Do you care about your home appreciating?

So some of my friends and I were discussing this. This is more of a discussion, as it is not like we can really affect it. We live in a medium cost of living area (Raleigh-Durham area) that is having some pretty significant appreciation over the past couple of years. in my neighborhood I have seen ...
by Trader Joe
Tue Jul 16, 2019 8:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1939605

Re: U.S. stocks in free fall

3,004.04 −10.26 (0.34%)
Jul 16, 5:04 PM EDT

No freefall today.
by Trader Joe
Tue Jul 16, 2019 7:53 pm
Forum: Personal Investments
Topic: International stocks
Replies: 9
Views: 738

Re: International stocks

Fishing2retire wrote:
Tue Jul 16, 2019 3:41 pm
Is now a good time to sell my mid Caps and buy total international?
No. I avoid international stocks as a U.S. investor. Best of luck.
by Trader Joe
Tue Jul 16, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Low Cost Burner Phone?
Replies: 11
Views: 1584

Re: Low Cost Burner Phone?

For various reasons, we wish to keep a low cost burner phone with us at all times as a back up. It seems that even with pay-as-you-go, there are monthly fees. Please suggest a brand that you may have experience with and would stay with (will need cell coverage pretty much anywhere in the US) . Than...
by Trader Joe
Tue Jul 16, 2019 2:55 pm
Forum: Personal Investments
Topic: International Bond Fund - yes or no?
Replies: 17
Views: 1338

Re: International Bond Fund - yes or no?

I currently hold a modified three fund portfolio (some Wellesley and some REIT, each less than 5% of my total). Principal holdings are TSM, Total Intl, and Total Bond. My entire portfolio is around 70/30, tax advantaged is closer to 65/35. All bond funds (and Wellesley and REIT) are in tax sheltere...
by Trader Joe
Tue Jul 16, 2019 2:51 pm
Forum: Personal Investments
Topic: Counseling a Colleague About Their Financial Advisor
Replies: 30
Views: 1931

Re: Counseling a Colleague About Their Financial Advisor

A colleague was chatting with me and mentioned she and her husband are thinking about changing financial advisors. I don’t have all the details, but it appears the advisor charges a fee of 1% of their assets. He doesn’t hold or manage their assets, he just gives advice. My colleague mentioned she u...
by Trader Joe
Mon Jul 15, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Can the dealer be trusted?
Replies: 17
Views: 1889

Re: Can the dealer be trusted?

Hopefully not a rhetorical question* (albeit a naive one): should the dealer one purchases a car be trusted doing the PPI (pre purchase inspection)? Have a great mechanic who specializes in only 4 brands: Acura/Honda & Audi/VW. When I asked him about a PPI on a Mazda, in essence said "don't know th...
by Trader Joe
Mon Jul 15, 2019 6:08 pm
Forum: Personal Investments
Topic: Poor financial advisor performance
Replies: 71
Views: 3846

Re: Poor financial advisor performance

Hi Folks, I am a 62 year old male. I’ve been investing since the mid-1980s. Over that time I have made just about every classic investing mistake possible. At some point I read about John Bogle and the power of indexing. His argument made complete sense to me and I became a convert. Unfortunately, ...
by Trader Joe
Sun Jul 14, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7531

Re: No A/C in Office [not a safe work environment]

Work AC broke two days ago, it is 90 degrees outside and probably hotter in the building, since we have no breeze or airflow. The boss refuses to close the office, even thought the other 4 floors every company is not working. Company is small and has no HR, at what point is this not a safe work env...
by Trader Joe
Sun Jul 14, 2019 8:53 pm
Forum: Investing - Theory, News & General
Topic: Will you buy Total Bond with a negative yield?
Replies: 73
Views: 6222

Re: Will you buy Total Bond with a negative yield?

As the title suggests, would you consider including a negative yielding total bond fund in your asset allocation? If not, at what yield would you consider pulling the plug? Less than 1%? 0%. I ask because this is becoming reality in other parts of the world. My current AA is 50:50 per my IPS. It se...
by Trader Joe
Sun Jul 14, 2019 8:48 pm
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 25
Views: 1683

Re: VTMFX or VSMGX?

BV3273 wrote:
Sun Jul 14, 2019 8:29 pm
I’m looking to use either one of these in my taxable account. Is there a pro or con for either of these? They look very similar at first glance. I’m probably also going to add some VNYTX as well

Thanks,
BV
Of those two funds I would choose VTMFX in a taxable account. Best of luck.
by Trader Joe
Sun Jul 14, 2019 7:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1301
Views: 122979

Re: U.S. stocks continue to soar!

Yes, the U.S. stock market continues to soar:

3,013.77 +13.86 (0.46%)

Looking forward to the coming weeks and months. Very happy.
by Trader Joe
Sun Jul 14, 2019 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Health Care Options Until Age 65?
Replies: 25
Views: 2596

Re: Health Care Options Until Age 65?

I am 58 years old and thinking about retiring in the next year or so. I have heard horror stories about how much health care costs for a family plan. Right now I have an employer-sponsored retirement plan with a HSA but I don't know what the best options are after retirement but before Medicare. An...
by Trader Joe
Sun Jul 14, 2019 6:55 am
Forum: Personal Investments
Topic: What asset class is gold?
Replies: 41
Views: 2655

Re: What asset class is gold?

I own physical gold that is 9% of my portfolio. I want a 60/40 portfolio. But where does gold go? Is it equity or bond? Or should it sit outside the 60/40 as its own entity? i.e. the 91% would be 60/40 and gold will be gold. Over / under is 2 posts (before someone asks me why I own gold) Gold is a ...
by Trader Joe
Sun Jul 14, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 50
Views: 6435

Re: Got robbed in London...Phone stolen...what else do I need to do?

Hi As it would have it, I was standing outside on the edge of the sidewalk in one of the safest areas in London. A guy come speeds down on a bicycle and swipes my iPhone from my hands (plenty of people around). I ran after him but to no avail. I consider myself very cautious traveler and I am just ...
by Trader Joe
Sun Jul 14, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 7981

Re: Who cuts your hair? And for how much?

Sitting in the barber's chair, a young barber (by almost 35 years) is cutting my hair. I enjoy the conversation and there is much to learn by listening and engaging in thoughtful conversation . More importantly I realize the difficulty each of us grapples with. I gave what I though was a generous t...
by Trader Joe
Sun Jul 14, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?
Replies: 89
Views: 4279

Re: Will your investments be enough to cover ALF/misc.medical costs/etc.so there is no burden to your children?

rossington wrote:
Fri Jul 12, 2019 3:16 am
What is your plan?
Have you thought about it?
If you plan to draw down your retirement portfolio it may be wise to consider this.
Yes, my investments will cover all of my needs (and then some). Best of luck.
by Trader Joe
Sat Jul 13, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 4715

Re: Add a second job? Trader Joes, Home depot, ???

I am looking to add a part time second job. I have a great primary job that is very flexible and I get to work remotely, but we are not allowed to work overtime and there is not clear room for advancement other than possible 1-2% yearly pay increases. As a result I have a large portion of my day st...
by Trader Joe
Sat Jul 13, 2019 7:23 pm
Forum: Personal Investments
Topic: Would you exchange VTSAX to VTI ??
Replies: 42
Views: 2963

Re: Would you exchange VTSAX to VTI ??

Please help me decide whether to continue with the Admiral shares of Vanguard Total Stock Market Index or exchange them for its ETF, namely VTI. During the recent Annual Portfolio Review with the Vanguard Financial Planner, it was revealed to me, that I may come out slightly ahead if I exchange the...
by Trader Joe
Sat Jul 13, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 27
Views: 1422

Re: Standard Car Key Battery Life for Late Model Vehicles

My 2016 model year car came with two standard mechanical keys that include buttons for locking, unlocking, and opening the trunk. I almost never use the buttons and was surprised yesterday when neither key would open the trunk or lock the doors. What kind of battery life would you expect when not e...
by Trader Joe
Sat Jul 13, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car: 0-interest loan over 15 months, or buy in cash
Replies: 32
Views: 1821

Re: Buying a used car: 0-interest loan over 15 months, or buy in cash

I'm currently using a leased car, and I'm going to return it after its 3 year due in December. Now, I'm planning to buy a 3-4 year old car around November / December, with a budget of somewhere between 12K-15K (Toyota / Honda). First things first, I can buy this car in cash in December, I have enou...
by Trader Joe
Fri Jul 12, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2589

Re: Should I Buy a Motorcycle?

Hello, So I have been saving like mad since I snagged my current job and I'm on track to gross around 70k this year. My biggest goal right now is to save for a down payment on a construction loan to build a modest 1600 sqft home on an acre+ of land here in the PNW. I recently contacted a local bank...
by Trader Joe
Fri Jul 12, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can my brother afford his vacation?
Replies: 41
Views: 3620

Re: Can my brother afford his vacation?

My brother recently told me that he's taking his in-laws on a trip to Italy for their 50th anniversary. He was concerned because he wasn't sure that he could afford the $20k price tag. When I asked him what his financial situation was, he didn't share income and expenses, but he did tell me that he...
by Trader Joe
Fri Jul 12, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: Timing the market
Replies: 28
Views: 1703

Re: Timing the market

I received an inheritance (400k) and put in VOO for my retirement which is about 18 years away, God willing. I understand the concept of you cannot time the market b ut it feels like I can. Like right now. I have been in VOO for 2-3 months and am up 4%. "They" are saying there is going to be a corr...
by Trader Joe
Wed Jul 10, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: applying for business credit card
Replies: 10
Views: 738

Re: applying for business credit card

I highly recommend an American Express business card: https://creditcard.americanexpress.com/d/business/?utm_mcid=3541043&utm_source=google&utm_medium=cpc&utm_term=%2Bamex%20%2Bbusiness&utm_cmpid=632673313&utm_adgid=36925266206&utm_tgtid=aud-308567982861:kwd-26530572096&utm_mt=b&utm_adid=34472379883...
by Trader Joe
Mon Jul 08, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27057

Re: Americans believe they need $1.7 million, on average, to retire

What's the magic number for retirement savings? $1.7 million, according to a survey from Charles Schwab. How many of here are retired, or thinking of retiring, near this #? Assuming no pension and excluding paid for main residences in the numbers. My target is significantly much higher than $1.7 mi...
by Trader Joe
Sun Jul 07, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3967

Re: Is Grass milk worth it?

Hi, I recently heard about 100% grass-fed milk from Maple Hill and Organic Valley. The cows graze on pasture and eat only grass or hay, no grain like corn or soy at all. But it's even more expensive than the usual organic milk (which itself is premium price). What do Bogleheads think, is 100% grass...
by Trader Joe
Sun Jul 07, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Customer negotiating invoice payment
Replies: 17
Views: 1584

Re: Customer negotiating invoice payment

My work is independent contract hourly service work and have been in business for 5+ years. I did a small project for someone who used to be the president at my former employer, let's call him Joe. Joe likes to have people under his thumb. We outlined our terms when the project started in an email:...
by Trader Joe
Sun Jul 07, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 49
Views: 3342

Re: Time for a new car - Corolla or Civic...

Currently I have a 2012 Camry, 2009 Civic, and a 2004 Civic which my daughter drives. The 2004 has been a great car with minimal issues but it is showing its age, electronic door locks stopped working, small leaks, funny squeals, etc. That said, the engine still runs fine. I'd like to dump it, give...
by Trader Joe
Sun Jul 07, 2019 7:29 am
Forum: Personal Investments
Topic: Anyone here investing in Prison REITs?
Replies: 30
Views: 2663

Re: Anyone here investing in Prison REITs?

I was curious about the companies behind the private prisons. At least two of them are publicly traded REITs: GEO and CXW, and they return 8% and 9% dividends right now. That's insanely high. The market for prisons is also unlikely to dry up. Of course there are ethical concerns -- that I'll ask yo...
by Trader Joe
Sun Jul 07, 2019 7:25 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 3883

Re: John Bogle says investors don't need to own international stocks​

"'Everyone tells me I'm wrong,' Mr. Bogle said. 'In my book, Bogle on Investing , I said, for a lot of reasons, you don't need to own international stock.' His argument: International investing involves extra risk, ranging from currency risk and economic risk to societal instability risk ." https:/...
by Trader Joe
Thu Jul 04, 2019 6:59 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on The Fourth of July (Independence Day)
Replies: 10
Views: 1098

Re: Jack Bogle on The Fourth of July (Independence Day)

Bogleheads: Jack Bogle's Words of Wisdom: This wealth at large that I’ve accumulated, it wouldn’t be there, as Mr. Gates said, if I had not been born in the USA. It’s not only what Bill Gates said about all the advantages our society creates, it goes all the way back to fundamentals like the Declar...
by Trader Joe
Thu Jul 04, 2019 6:49 pm
Forum: Personal Investments
Topic: How to avoid industries I do not want to invest in?
Replies: 54
Views: 3594

Re: How to avoid industries I do not want to invest in?

Hello, all. I have all my retirement funds in Vanguard funds. Once I set up a desired allocation, I left them alone with an occasional rebalance. However, as I am becoming more aware of how my choices impact the world around me I decided to check the list of companies that I am investing in. As I w...
by Trader Joe
Thu Jul 04, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 4710

Re: Reservations about purchasing a 16 year old house

In our search for a new home, we are considering viewing a 16 year old house that is all original: oil fired boiler and hot water heater, central air conditioning system, private well, septic system, asphalt shingle roof (30 year shingles), and in ground pool with its associated pump, filter, etc. ...
by Trader Joe
Thu Jul 04, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4073

Re: car color

we ill be getting a new car in feb 2020 ,our present car is 20 years old and 300000 miles on it . my wife always admired the gold color of the acura legend of 1991. is it feasible 5to special order this color at extra cost ? this would be awesome gift to her for our 50 th wedding anniversary ! Gold...
by Trader Joe
Thu Jul 04, 2019 4:56 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 53
Views: 1772

Re: which is better schwab or fedelity

looking wrote:
Thu Jul 04, 2019 4:54 pm
I’m retired and now I have VG account and want to open another account, which is better Schwab or fidelity????.

thank you
Fidelity by far. I have experience with and I no longer trust Schwab. Best of luck.
by Trader Joe
Thu Jul 04, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 5802

Re: Employers asking salaries

Seems employers can’t ask candidates for their salary in NYC, but what about NY state and NJ for that matter? “New York City Effective Date: Oct. 31, 2017 Employers Affected: All employers, employment agencies or employees or agents thereof Employers in New York City are prohibited from requesting ...
by Trader Joe
Thu Jul 04, 2019 3:50 pm
Forum: Personal Investments
Topic: 100% in VTSAX
Replies: 15
Views: 1818

Re: 100% in VTSAX

Considering that this fund invests in so many stocks and is very diversified (in stocks), what's the worst that could happen from having 100% of your Roth IRA invested in it? I had the Retirement 2045 but I wanted to put more in stocks. I will not need to put from this money for 15-20 more years. B...
by Trader Joe
Wed Jul 03, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Pricing Question [for car value - Manheim or KBB?]
Replies: 8
Views: 521

Re: Pricing Question [for car value - Manheim or KBB?]

My dear mom is hanging up the keys back east and I get to help sell the 2004 Volvo S60 with about 175000 miles on it. Good condition. Some one tried to price it with the Manheim Report but I thought it better to use KBB for a private party sale. Anyone use the Manheim Market Report? Seems like a wh...
by Trader Joe
Wed Jul 03, 2019 8:19 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 47
Views: 11515

Re: Doubling Your Money

rrouse wrote:
Sun May 13, 2018 10:58 am
What is a reasonable expectation or rule of thumb for doubling (in real terms) your stock market holdings, assuming you reinvest dividends?
U.S. Stock Market equity holdings will double approximately every 7 years.
by Trader Joe
Wed Jul 03, 2019 6:14 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 83
Views: 8287

Re: Pick one: $135,000 rental property or $110,000 in REITs

Let's say there is a rental property that is worth about $135,000 in its current as-is condition. Right now, this rental property brings in about $6,500 in net profit per year after all expenses are paid for. Is it better to keep this rental property? Or sell it and buy VNQ (Vanguard Real Estate RE...
by Trader Joe
Wed Jul 03, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard account page new look and feel ?
Replies: 10
Views: 902

Re: Vanguard account page new look and feel ?

In the recent few weeks every time I log in and display the "Balances & Holdings" page a new graphic format is shown. I don't like it in the least: - Larger font used. Less lines are displayed in a screen; more scrolling is required. - Separation between different holdings is less conspicuous. Eye ...