Search found 1886 matches

by Trader Joe
Sat Sep 12, 2020 6:21 pm
Forum: Non-US Investing
Topic: Do bonds make sense in my portfolio?
Replies: 10
Views: 739

Re: Do bonds make sense in my portfolio?

"Do bonds make sense in my portfolio?"

No, they do not.
by Trader Joe
Sat Sep 12, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Visiting Oregon Coast
Replies: 16
Views: 2111

Re: Visiting Oregon Coast

Hi, My wife and I were planning to visit the Oregon Coast starting next Thursday for about a week and a half, staying in Seaside, Newport, and Coos Bay. Anyway, with the on-going fire conditions and evacuations, we are leaning towards cancelling and/or postponing the visit.. We need to make the cal...
by Trader Joe
Fri Sep 11, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Old friend joined Northwestern Mutual -- how to politely explain they're awful
Replies: 87
Views: 6436

Re: Old friend joined Northwestern Mutual -- how to politiely explain they're awful

A friend from high school randomly contacted me out of the blue now that he's "passionate about personal finance" and joined northwestern mutual. I am a true boglehead/Dave Ramsey follower (have been learning about indexing, term life, etc. for about 4 years now), so I knew not to buy anything from...
by Trader Joe
Thu Sep 10, 2020 8:19 pm
Forum: Forum Issues and Administration
Topic: Amazon Rebate to Bogleheads
Replies: 6
Views: 1355

Re: Amazon Rebate to Bogleheads

I understand that if we make a purchase on the Amazon website via the link on the Bogleheads page, that Amazon provides a rebate to the Bogleheads. Can you share the amount of the rebate? Is it a flat amount, or a percentage of the purchase? This is a great question. I look forward to a direct answ...
by Trader Joe
Thu Sep 10, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone think the market is over-inflated?
Replies: 112
Views: 8059

Re: Why does everyone think the market is over-inflated?

It seems like everything I read lately touts that the market is over-Inflated and is due for a massive (I.e. 60+% crash) any day now! What makes people think and say this? How likely do the Bogleheads think this is? Is it really any different than it has ever been? Do Bogleheads recommend withdrawi...
by Trader Joe
Thu Sep 10, 2020 7:47 pm
Forum: Investing - Theory, News & General
Topic: A Checklist for Lobbying for a Better 401(k)
Replies: 3
Views: 269

Re: Lobbying for a better 401k plan

There have been some questions here on BH, including very recently, about "how" to try to help get a better employer retirement plan. Morningstar (Christine Benz) just published piece on this, this evening (although it's dated 04 Sep 2020): https://www.morningstar.com/articles/1000689/article RM Pl...
by Trader Joe
Sun Sep 06, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 2930

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

I got a 30 year $1.5M term life policy this year. Age 36 Worked w/ a broker recommended by my fee-only CFP He said due to my (listed below) health conditions most companies turned me down entirely My only option was $2000/year $166/month by one company I was given standard rating because of the fol...
by Trader Joe
Sun Sep 06, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel Husband's Term Insurance?
Replies: 41
Views: 3250

Re: Should I Cancel Husband's Term Insurance?

When did you decide to cancel your term life insurance? It's $200/month for $3 million in coverage. We can swing it, but we probably have enough to pay for all kids college, my retirement, house, medical care etc. Husband and I are in our early forties/late thirties. Am I being penny wise, pound fo...
by Trader Joe
Fri Sep 04, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: Durable Couch Recommendations
Replies: 13
Views: 1138

Re: Durable Couch Recommendations

My husband is interested in purchasing a U-shaped sectional couch that has deep seating, comfortable cushion (not too firm, plush with support), and will withstand over the years with wear and tear from young children. We have agreed on a medium to light gray color but cannot find a suitable option...
by Trader Joe
Tue Sep 01, 2020 9:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696875

Re: U.S. stocks continue to soar!

Another great investment month for August, 2020:

Market Summary > S&P 500 Index
INDEXSP: .INX
3,526.65 +26.34 (0.75%)
by Trader Joe
Tue Sep 01, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Rainfly or no rainfly in hot and humid weather
Replies: 11
Views: 1077

Re: Rainfly or no rainfly in hot and humid weather

I know there are camping forums but BH serves me well on all topics.... I’ve only camped ~ 7 times before so still learning. Should you use Rainfly or no rainfly when camping at a campsite by a lake 30miles inland from the beach in hot (100/80 high temp/low temp) and humid weather? This was first t...
by Trader Joe
Tue Sep 01, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Electric shaver
Replies: 18
Views: 1174

Re: Electric shaver

After decades of trial, error and experience the answer is:

Braun
by Trader Joe
Tue Sep 01, 2020 1:19 am
Forum: Investing - Theory, News & General
Topic: Investors Were Warned.
Replies: 171
Views: 13963

Re: Investors Were Warned.

Thank you Taylor. Those are great quotes.
by Trader Joe
Sat Aug 29, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696875

Re: U.S. stocks continue to soar!

"U.S. stocks continue to soar!"

This is really great news.

My portfolio (100% VFIAX/VTSAX) is doing incredibly well.

I am very happy.
by Trader Joe
Sat Aug 29, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: What purchases are you planning now for the Fall/Winter to get ahead of demand?
Replies: 57
Views: 6812

Re: What purchases are you planning now for the Fall/Winter to get ahead of demand?

Having still not received a back-ordered chest freezer which I ordered a week too late, I'm trying to be proactive about Fall/Winter purchases. Chief among these are to make sure our kids can still socialize and get any lessons they need outdoors on the patio. That means: - Fire pit (Solo Stove sti...
by Trader Joe
Sat Aug 29, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: AAA dropping Renters insurance for NY residents
Replies: 21
Views: 1388

Re: AAA dropping Renters insurance for NY residents

This is the first that I have heard of this.n Do you know why AAA has discontinued renters insurance in NY? No clue. I'm pretty bummed out. When I switched to AAA they really saved me a lot of money. My policy isn't up until late October. I just got the letter in the mail yesterday. I'm really no e...
by Trader Joe
Sat Aug 29, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: AAA dropping Renters insurance for NY residents
Replies: 21
Views: 1388

Re: AAA dropping Renters insurance for NY residents

This is the first that I have heard of this. Do you know why AAA has discontinued renters insurance in NY? It is probably they were too exposed to the NY market, my vacation home policy pulled out of the market as well. Probably too many policy holders in New York. OP could write a letter to the st...
by Trader Joe
Sat Aug 29, 2020 8:25 pm
Forum: Investing - Theory, News & General
Topic: How long could you live off your portfolio if the worst happened?
Replies: 110
Views: 10446

Re: How long could you live off your portfolio if the worst happened?

"How long could you live off your portfolio if the worst happened?"

Much, much longer than any reasonably expected human lifespan.
by Trader Joe
Sat Aug 29, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: AAA dropping Renters insurance for NY residents
Replies: 21
Views: 1388

Re: AAA dropping Renters insurance for NY residents

I just got a letter saying that AAA is dropping renters insurance for all NY residents. I searched the forum for other companies. I've seen lemonade.com recommended and also USAA. I'd like to keep AAA for my car insurance if possible and just get renters insurance someplace else. What I'm looking f...
by Trader Joe
Sat Aug 29, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: At what point can you afford a 2nd home?
Replies: 46
Views: 3849

Re: At what point can you afford a 2nd home?

"At what point can you afford a 2nd home?"

When you are 100% debt free and you have the existing resources to afford it, while continuing to be debt free.

And yes, any mortgage = debt.
by Trader Joe
Fri Aug 28, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: $11,000 Roof / Loan to Family Member
Replies: 21
Views: 2268

Re: $11,000 Roof / Loan to Family Member

"$11,000 Roof / Loan to Family Member"

I would not hesitate to gift my family members the money.

No loans. They are family.
by Trader Joe
Fri Aug 28, 2020 8:52 pm
Forum: Personal Consumer Issues
Topic: South Carolina beach: July vs August for hurricane risk
Replies: 11
Views: 755

Re: South Carolina beach: July vs August for hurricane risk

"South Carolina beach: July vs August for hurricane risk"

When was the last time that any South Carolina beach was destroyed by a hurricane during the months of July and August?

I cannot think of any. So the risk is 0.00%.
by Trader Joe
Thu Aug 27, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: SEC adds sophistication to list of accredited investor types
Replies: 31
Views: 3072

Re: SEC adds sophistication to list of accredited investor types

"Will you be seeking out private equity opportunities as a result of this change?" No, absolutely not. I would never, ever consider investing in anything other than broad U.S. mutual funds (VTSAX/VFIAX). Additionally: 1. I do not consider $1 million USD anywhere near high net worth. Not even close. ...
by Trader Joe
Wed Aug 26, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: Spectrum raises prices once again
Replies: 18
Views: 2008

Re: Spectrum raises prices once again

Spectrum is raising prices yet again ! Spectrum raised my bill by $10.52 a month last Nov. Then this month my bill was $4.68 higher. So in the last 10 months there have been 2 price increases !!! So I am now paying $15.20 a month MORE for Spectrum than I was 10 months ago. Spectrum offers NO senior...
by Trader Joe
Wed Aug 26, 2020 8:52 pm
Forum: Personal Investments
Topic: Who is liable for this?
Replies: 46
Views: 6254

Re: Who is liable for this?

So, I have been trying to transfer my HSA from PNC bank to Fidelity since I left my old employer. PNC bank's HSA web interface is a joke and the whole thing is archaic. Anyways, I put in a request to have my account transferred. Tthey told me they can't do in kind transfers to Fidelity and the acco...
by Trader Joe
Wed Aug 26, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping assets separate in marriage
Replies: 40
Views: 3143

Re: Keeping assets separate in marriage

This question is not pertinent to me but a friend. She is the third wife of a high payed surgeon. She makes a good amount of income herself, but not as much as him. He insisted on a prenup before they got married which she signed (angrily) two days before the wedding. She doesn’t think that he ever...
by Trader Joe
Tue Aug 25, 2020 8:36 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard hide its phone number?
Replies: 52
Views: 4462

Re: Why does Vanguard hide its phone number?

Vanguard does not hide its phone number. Google it.

Are you new to Vanguard?
by Trader Joe
Tue Aug 25, 2020 8:16 pm
Forum: Investing - Theory, News & General
Topic: Are Money Market Accounts Part of Your Calculated Yearly Withdrawal in Retirement
Replies: 5
Views: 627

Re: Are Money Market Accounts Part of Your Calculated Yearly Withdrawal in Retirement

"Are Money Market Accounts Part of Your Calculated Yearly Withdrawal in Retirement"

No, never. My money market account is designated for my emergency fund only.
by Trader Joe
Tue Aug 25, 2020 8:08 pm
Forum: Personal Investments
Topic: Vanguard Funds that offer a monthly payment?
Replies: 27
Views: 3317

Re: Vanguard Funds that offer a monthly payment?

Hey all, I am looking into setting up some form of portfolio for a family member that wants to have monthly payments that they can use for some supplemental income to make up for them leaving a part-time job they held before. They have a nice nest egg, but I don't want them to fall for an annuity p...
by Trader Joe
Tue Aug 25, 2020 7:58 pm
Forum: Personal Investments
Topic: As a 30 year old with extremely high risk tolerance should I even be holding bonds any more or should I go 100% stock?
Replies: 166
Views: 11679

Re: As a 30 year old with extremely high risk tolerance should I even be holding bonds any more or should I go 100% stoc

I recently put my non-stock money into FUAMX. I heard it was a good bond fund. But now I have been reading that some people say bonds are horrible investments these days because of the unique economic situation the world is now in. Is this true? Is FUAMX a good bond fund or not? Is it even worth ho...
by Trader Joe
Tue Aug 25, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade to laptop for fifth grader (from ipad)
Replies: 12
Views: 945

Re: Should I upgrade to laptop for fifth grader (from ipad)

Our fifth and sixth grader are doing remote learning first 9 weeks. 6th grader uses an old macbook pro. 5th grader uses an ipad with logitech bluetooth keyboard. Seems okay two days into the school year and the last two months of 4th grade) Should we upgrade to a laptop to improve efficiency and fu...
by Trader Joe
Tue Aug 25, 2020 7:51 pm
Forum: Personal Consumer Issues
Topic: Websites that Buy Gift Cards
Replies: 10
Views: 855

Re: Websites that Buy Gift Cards

DTalos wrote: Tue Aug 25, 2020 7:22 pm What are some ethical and reliable websites that buy gift cards and make the process super easy?
Ebay.com
by Trader Joe
Mon Aug 24, 2020 8:13 pm
Forum: Personal Investments
Topic: Which sites to use for financial news and watchlist tracking
Replies: 28
Views: 1827

Re: Which sites to use for financial news and watchlist tracking

There are so many good investment/news websites out there. I'm looking for something where: - I can create my watchlists and see news, analyst ratings, etc. - General high quality news on general stuff but also on individual stocks Candidates: Seeking Alpha Marketwatch Yahoo Finance MSN Money Robin...
by Trader Joe
Mon Aug 24, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Offer - $100,000 Raise - Would I Be a Fool to Not Accept?
Replies: 94
Views: 7792

Re: New Job Offer - $100,000 Raise - Would I Be a Fool to Not Accept?

Hi everyone.  Need the collective wisdom of the group as to whether or not I should accept a new job. Im not sure exactly why I'm even grappling with this. I think mainly it's because my current job is pretty chill and my coworkers and boss are cool. I go to work, do my thing, and spend the rest of...
by Trader Joe
Mon Aug 24, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13313

Re: Thoughts on Tennessee

I recently started a thread about looking for a retirement location in northeast Georgia, with focus on more pleasant climate and lower taxes vs. NJ, where I currently reside. Aside from climate and taxes, other needs are fairly typical: good access to healthcare (although we are relatively healthy...
by Trader Joe
Mon Aug 24, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 155
Views: 16011

Re: Market will be at all time high by year-end

InvestorNewb wrote: Mon Aug 24, 2020 6:34 am I can officially resurrect this thread based on the US stock market futures. My prediction was correct. :beer
Yes, looking good.
by Trader Joe
Sun Aug 23, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: At what point do you start hiring advisors?
Replies: 28
Views: 2752

Re: At what point do you start hiring advisors?

"At what point do you start hiring advisors?"

For us - never.

Advisors are a complete waste of money. Use this forum and save your money.
by Trader Joe
Sun Aug 23, 2020 8:24 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 29950

Re: How much you lost/gain since Feb 20,2020 ?

"How much you lost/gain since Feb 20,2020 ?"

Not only zero, but my net worth is up significantly.

I stayed the course.
by Trader Joe
Sun Aug 23, 2020 8:21 pm
Forum: Personal Investments
Topic: When is enough enough?
Replies: 73
Views: 6964

Re: When is enough enough?

Long time lurker and really appreciate this fantastic community. I've learned a tremendous amount from everyone here, but I have a question I have been struggling with that admitted is a little non-Boglehead in nature. BLUF -- How much in actual dollars should one save annually? What I'm struggling...
by Trader Joe
Sun Aug 23, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16285

Re: Do you talk to your friends/family/coworkers about this stuff?

I really wish someone had educated me about these things a decade ago. However I know talking about money/finances is generally frowned upon socially so most people don't. Do you guys try to educate or talk to your social circle about these things? Why or why not? EDIT: Additional question for the ...
by Trader Joe
Sun Aug 23, 2020 8:09 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4012
Views: 309465

Re: Coronavirus and the market

100% VFIAX/VTSAX here. I have never and I will never waiver from my asset allocation.

I stay the course. All of you should as well.
by Trader Joe
Sun Aug 23, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: Verizon and Hulu, Disney +, and ESPN + package
Replies: 4
Views: 606

Re: Verizon and Hulu, Disney +, and ESPN + package

We currently have cable for home television in seattle market (century blink). Have been considering going over the top. Verizon now has option of getting Hulu, Disney +, and ESPN + for unlimited packages. This will require we increase our Verizon package at a cost of about $30. Our internet is cen...
by Trader Joe
Sun Aug 16, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4705

Re: USPS shipping: Caveat Emptor

8/04: Shipped a pkg from my local post office in NY to PA, with a projected delivery of 8/07. 8/07 update: pkg arrived at Rochester NY distribution center. 8/10 update: pkg arrived at a PA distribution facility (11mi from destination) 8/14 update: pkg arrived at another PA distribution facility (33...
by Trader Joe
Sun Aug 16, 2020 7:28 pm
Forum: Investing - Theory, News & General
Topic: Investors Are Clinging to an Outdated Strategy — At the Worst Possible Time
Replies: 93
Views: 12094

Re: Investors Are Clinging to an Outdated Strategy — At the Worst Possible Time

Despite the longest economic expansion in U.S. history, the gap between the present value of liabilities and assets at U.S. state pensions is measured in trillions of dollars. To make matters worse, pensions are now faced with the reality that standard diversification — including extremely low-yiel...
by Trader Joe
Sat Aug 15, 2020 7:43 pm
Forum: Personal Investments
Topic: UBER. Should I [sell]?
Replies: 23
Views: 3594

Re: $250,000 in UBER. Should I [sell]?

I have some UBER stock from my previous employment with them. I have sold half of the holding after the IPO with $250,000 remained. It's my biggest investment position (~20%). I am leaning toward selling all or most of it for diversification but also feel its current price is on the lower end. I'm ...
by Trader Joe
Sat Aug 15, 2020 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Did any inheritance make positive effect on your life?
Replies: 229
Views: 18951

Re: Did any inheritance make positive effect on your life?

"Did any inheritance make positive effect on your life?"

Neither positive nor negative. No effect, so neutral.

100% of my inheritance (plus growth) will go directly to my heirs.
by Trader Joe
Sat Aug 15, 2020 7:34 pm
Forum: Personal Investments
Topic: Infosys and Vaguard . Should I be concerned?
Replies: 12
Views: 1222

Re: Infosys and Vaguard . Should I be concerned?

"Infosys and Vaguard . Should I be concerned?"

No, not at all.
by Trader Joe
Sat Aug 15, 2020 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Please chime in!!! Houses are expensive, how much should I buy for? Net worth - $2M
Replies: 12
Views: 1671

Re: Please chime in!!! Houses are expensive, how much should I buy for? Net worth - $2M

Hello, we are 40 year olds with kids in - middle and elementary schools in Seattle area. I work in tech (annual pay ~260K) and my wife is non-techie (annual pay ~100K) and in aggregate we make 360K. Our investments (as listed below) bring dividends and interest as well. Therefore, net for a year we...