Search found 108 matches

by jeffh19
Fri Nov 09, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 10419

Re: Spouse Diagnosed Non-curable Cancer -- what now?

Gotta tell the kids as soon as you can. Imagine how upset or resentful they may be the rest of their lives not knowing they could have spent a LOT more time with him, but didn’t know until 6 month before hand. That’s time to make a lot more memories.
by jeffh19
Tue Oct 30, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5961

Re: You Invest by JP Morgan Chase

For those of you doing this for the 60k bonus DO NOT CLOSE YOUR ACCOUNT IN 3 MONTHS In the fine print, you only have to have the money there for 3 months, but if you close it in 6 months, they pull the bonus back. $75 fee for not having 75k in the accounts, so basically plan on this being a 6 month ...
by jeffh19
Fri Sep 07, 2018 6:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: St Louis Bogleheads
Replies: 99
Views: 14855

Re: St Louis Bogleheads

I'd like to go, but I'm often working late and I live in Springfield, IL.

How many people normally show up? Is it just guys hanging together at tables talking and BSing or what? Average age/are there many younger folks?
by jeffh19
Wed Sep 05, 2018 12:36 am
Forum: Investing - Help with Personal Investments
Topic: How To Invest Windfall When At Market Top
Replies: 26
Views: 4375

Re: How To Invest Windfall When At Market Top

Certainly need to know how old he is and his financial situation. If he won’t need it for decades, screw it-throw it all in now and forget it. If he wants to be really smart and careful with it as in this is the first time he’s had a good amount of money to invest or first time investing, then a DCA...
by jeffh19
Fri Aug 31, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: 2-stage early retirement plan
Replies: 12
Views: 2018

Re: 2-stage early retirement plan

Just read all this again, and see that your 50. Hell I'd start slowing down/quit now if you wanted. Maybe just work enough to get health insurance or to be able to keep contributing to your 401k. The way I have my plan structured, you have 2m in taxable just like I want at 50 and thats when I plan t...
by jeffh19
Fri Aug 31, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: 2-stage early retirement plan
Replies: 12
Views: 2018

Re: 2-stage early retirement plan

I'm planning something similar, or thinking of it the same way, in "stages" I'm 33, I work my ass off, max my retirement accounts and invest a ton in my taxable. My goal is to have 1m in taxable when I'm 40. Then I will finally slow down some, and either shoot for one job 4 days a week full time, or...
by jeffh19
Sun Aug 26, 2018 12:02 am
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3679

Re: Any issue with not holding mid caps?

From someone without intricate advanced knowledge who hasn’t been around the game that terribly long...

Just buy VTSAX and forget about it.

/thread
by jeffh19
Thu Aug 23, 2018 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Include Bonds in Portfolio?
Replies: 19
Views: 2045

Re: Include Bonds in Portfolio?

What’s your US/INT AA?
by jeffh19
Thu Aug 23, 2018 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Include Bonds in Portfolio?
Replies: 19
Views: 2045

Re: Include Bonds in Portfolio?

I’m 33 and I’m 100% stocks. I’m not gonna use this money for a long time so if I literally lose 50%, good I’ll just throw more in. A 100% stocks doesn’t often return that much more than an 80/20, so it doesn’t make sense to be 100% at a later age, but I want guest possible return/growth I can get fo...
by jeffh19
Thu Aug 23, 2018 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 70
Views: 6946

Re: Am I Wrong for being 100% Equities ?

Didn’t read the replies, it as someone who is 100% in stocks, I wouldn’t do it if I was you. I’m 33, your in your late 50s about to retire, so you are someone that needs to focus not on maximizing growth, risk be damned- but to grow at a good rate while minimizing risk. I’d at least do like an 80/20...
by jeffh19
Wed Aug 22, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good time to invest as stock market is all time high?
Replies: 46
Views: 4977

Re: Is this a good time to invest as stock market is all time high?

I'll add my coupla pennies I'm not saying to dump all your money in right now, depends on if/when you need the money, and the rest of your financial situation and age, but I'm 33 and these are my thoughts. F being scared. You think the market is at the top, you stay scared and keep your money and yo...
by jeffh19
Tue Aug 21, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6177

Re: I saved $3,200 on a $23,500 car with minimal stress.

This is probably about the best way to buy a car imo. Make it clear you are emailing several dealers (even nationwide) and you need their best price, no BS, no call me or come in etc. Be nice, but extremely firm. There's nothing I dislike more in life than talking to a car salesman. Do everything o...
by jeffh19
Mon Aug 20, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5537

Re: How much do you put away in investments?

Im not sure without going back and adding it up, I'd say at least 50-60% of my gross.
by jeffh19
Mon Aug 20, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6177

Re: I saved $3,200 on a $23,500 car with minimal stress.

This is probably about the best way to buy a car imo. Make it clear you are emailing several dealers (even nationwide) and you need their best price, no BS, no call me or come in etc. Be nice, but extremely firm. There's nothing I dislike more in life than talking to a car salesman. Do everything ov...
by jeffh19
Sun Aug 12, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1462

Re: Unlocked iPhone on eBay or Amazon?

Dont buy/sell phones on eBay. Tons and tons of people get scammed on phones...

I've used Swappa in the past with pretty good luck, but lately I've only bought phones new straight from Apple the last few years
by jeffh19
Wed Aug 01, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 7399

Re: Are Credit Cards Actually Convenient?

Another vote for never a decline, I have a few and use them for everything for thousands back in rewards and bonuses. Make sure you have the app for what ever card it is, or email alerts etc. usually the moment any fraud happens on your account, they lock it down, call you, email you and get an inst...
by jeffh19
Thu Jul 26, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 11408

Re: An argument against self-insuring for long-term care

You have to look very specifically at what the maximum benefit is, how much they pay a month and what kind of facilities are, and aren't covered. I see a lot of insurances not cover various things, and also I see a lot of older people (my grandma included) who get near that age, complain about how m...
by jeffh19
Wed Jul 25, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1734

Re: How early to get to an airport (JFK specifically) for domestic flight

Leave home at departure time - 45 min - (avg travel time to airport)+n*(standard deviation) - (avg security wait time)+n*(standard deviation) n > 0 is a number chosen according to your tolerance for drama. If you feel lucky use n < 0. I had to hand my laptop to my GF to read these 2 posts hahahaha ...
by jeffh19
Wed Jul 25, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: Best source for simple market news?
Replies: 26
Views: 2320

Re: Best source for simple market news?

https://www.schwab.com/resource-center/insights/content/schwab-market-update BTW, the first sentence or 5 second glance is enough to satisfy my curiosity. I bookmarked this and will probably use this in the future if it's just a super quick blurb about the market. I don't care about individual comp...
by jeffh19
Wed Jul 25, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Best source for simple market news?
Replies: 26
Views: 2320

Re: Best source for simple market news?

On the news, the "talking heads" talk about what the "talking heads" are talking about, what the "talking heads" are. . . . . . :oops: Its pretty stupid. See my example above from the other day where guys are talking like the market is in horrible, horrible shape and saying what do we do? Where do ...
by jeffh19
Wed Jul 25, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: Best source for simple market news?
Replies: 26
Views: 2320

Re: Best source for simple market news?

Bloomberg.com offers pretty even-handed summaries like that but the new paywall is pretty expensive, and I'm not likely to take the plunge to pay for it, but that's the one column I almost never read. However.... The real question is why do you want it? This type of info, even in the most pristine ...
by jeffh19
Wed Jul 25, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Best source for simple market news?
Replies: 26
Views: 2320

Re: Best source for simple market news?

You guys are over reacting, trust me. I've done auto investments to index funds for quite a while, and have upped my monthly contribution twice in the last month, over a thousand each time, it's more than double what it used to be. I literally don't care if the sky is falling or whatever, I'm still ...
by jeffh19
Wed Jul 25, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: Best source for simple market news?
Replies: 26
Views: 2320

Re: Best source for simple market news?

Tongue in cheek contrarian here, forgive me. Read Liar's Poker instead! It's a 30 year old book by Michael Lewis about his first job on Wall Street. Working as a trader in a major firm, he listened to the wisest traders on the block as to why the markets were moving. Half the time, he reported, peo...
by jeffh19
Wed Jul 25, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: Best source for simple market news?
Replies: 26
Views: 2320

Best source for simple market news?

I’m basically looking for any sources that can consistently answer the question of Why is the market doing so good/bad today. I’m very busy but always glance at my stocks app and when I see decent size changes (like today) I’m always curious, is it earning reporting day? Did Trump day something? Wha...
by jeffh19
Fri Jul 20, 2018 2:02 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation and Underperformance vs US
Replies: 15
Views: 1312

Re: International Allocation and Underperformance vs US

You realize this is how portfolios don’t do well right? Sell the stuff that’s going down or “underperforming” and buying more of the stuff that’s going up or “outperforming” Stay the course. Yep. I know so little about advanced stuff, hell i don’t even know what CAGR is. If I do know the simple stu...
by jeffh19
Sun Jul 15, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7856

Re: Anyone not have a Budget?

Never had one. Never felt like I needed one. I've always been pretty frugal, I never buy stuff to just buy it, always think and rethink and research all decisions and purchases, and I always know even when I was pretty poor about how much I could spend etc. Sure, If I only allowed myself a small exa...
by jeffh19
Fri Jul 13, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 64
Views: 9375

Re: The value of international stocks, in pictures

So lets say I want to get to say 20ish percent, and I'm about 11% now. I auto invest a bunch every month as I said at 75/25 for VTSAX/VTIAX I'm always preaching nobody has a freaking clue what the market is going to do and I know this BUT considering how the US maybe a little high, certainly due for...
by jeffh19
Wed Jul 11, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 64
Views: 9375

Re: The value of international stocks, in pictures

So what do all of you recommend for AA for US/international? 80/20? In my brokerage, I’m only 11.7% international. I auto invest a good chunk of money each month, which I have set to 75% VTSAX 25% VTIAX. I’m thinking of maybe doing 50/50 for a while as international is supposed to be a better value ...
by jeffh19
Mon Jul 09, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 13676

Re: Expected returns for 80/20 stock bond for next 10 years.

Nobody knows, as everyone else says. Keep in mind most don't expect high returns, but nobody knows. I heard last week how the market may have a big dip this week things are so delicate blah blah, the market has been doing outstanding the last few days. One of my favorite quotes I saw here went somet...
by jeffh19
Mon Jul 09, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to invest in after maxing out 401k, Roth IRA, HSA and starting a brokerage?
Replies: 9
Views: 833

Re: What to invest in after maxing out 401k, Roth IRA, HSA and starting a brokerage?

I have a good chunk of money automatically invested each time I get paid (4x a month) into my brokerage to buy Total Stock Market index and Total International Index. Thats what I do, so thats what I'd recommend especially if you are young. IMO if you're fairly young, why buy bonds? Get as much stoc...
by jeffh19
Sun Jul 08, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 114
Views: 11727

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

I'm also kind of looking too, in a different situation though. I'll do a little rambling for discussions sake, or for others that may read this who are pondering an EV. I have a 12 Cruze Eco MT, bought it for the insanely high mpg (got 66.9mpg on a 250ish mile trip once, have a pic to prove it no it...
by jeffh19
Tue Jul 03, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10488

Re: What’s your plan for a market downturn?

Put money in the market aggressively as possible.
by jeffh19
Tue Jul 03, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 39
Views: 4267

Re: Need Your Feedback on 100% VTSAX

With US markets at near all time highs valuation wise, I do not think this is wise. According to most models I have seen expected real returns for US stock market is between 0-2% per annum whereas EM returns are expected to be in the 5-6% range. Why not equal weight across US, International Develop...
by jeffh19
Fri Jun 22, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 45
Views: 5235

Re: Looking for Mazda CX-9 Feedback

This probably doesn't help any, but I'm a die hard GM guy. I went to the Chicago Auto show and looked at everything as always, and went to go look at the GMC Crossovers, especially the Denali. Was let down/not impressed with the interior at all. Walked over to the Mazda and they had a brand new CX9 ...
by jeffh19
Mon Jun 04, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is it fine to have 100% of portfolio in VTSAX
Replies: 33
Views: 4325

Re: Is it fine to have 100% of portfolio in VTSAX

Fees are a little higher with the Target Date Funds. Still cheap, but still enough of a difference over the course of 20+ years, it'll certainly add up....
by jeffh19
Mon Jun 04, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is it fine to have 100% of portfolio in VTSAX
Replies: 33
Views: 4325

Re: Is it fine to have 100% of portfolio in VTSAX

I'm also in my younger 30's, I'm 100% stocks. I started off doing SP500 ETF/MF, and then realized VTSAX was a little better, So I started exclusively doing that. Then I realized its a good idea to do some international, so after having a decent chunk in the market, I now have about 20% of my auto in...
by jeffh19
Mon Jun 04, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Profile: The Road to 1Million USD
Replies: 42
Views: 8916

Re: Profile: The Road to 1Million USD

Figure out what yours good at or that’s easy for you to do and monetize it, or just get some kind of side gig. Jail breaking decides you can do this or sell Amazon fire sticks or fix peoples screens or just whatever. Be a consultant, or just get some kind of w2 job, maybe something that will give yo...
by jeffh19
Sun Jun 03, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Profile: The Road to 1Million USD
Replies: 42
Views: 8916

Re: Profile: The Road to 1Million USD

I'm not too much older than you, on the same path. You remind of a spot I was in a few years ago, pretty similar situation I'd say. Order of investments above. Max your Roth every year no exceptions, really try to max your 401k Keep in mind if you're going to retire early, you're going to need a dec...
by jeffh19
Sun Jun 03, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 7769

Re: Should I put some money aside in money market for market correction

No. Now I have way too much in savings for what I need in an emergency fund and aggressive in the market as I want to be, but I may be using that sometime soon to buy a car in cash. I need to move it to an interest bearing account at least. If the market crashes, it's all going in the market though ...
by jeffh19
Sun Jun 03, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan: HumanaChoice Florida PPO.
Replies: 10
Views: 862

Re: Medicare Advantage Plan: HumanaChoice Florida PPO.

I didn't read the replies really, but as someone who deals with insurance all the time, Humana is probably the worst one to deal with. Especially if you need long term care, they will cut you off from paying for a nursing home stay during rehab it's not funny. They flat out told a case manager they...
by jeffh19
Sun Jun 03, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan: HumanaChoice Florida PPO.
Replies: 10
Views: 862

Re: Medicare Advantage Plan: HumanaChoice Florida PPO.

I didn't read the replies really, but as someone who deals with insurance all the time, Humana is probably the worst one to deal with. Especially if you need long term care, they will cut you off from paying for a nursing home stay during rehab it's not funny. They flat out told a case manager they ...
by jeffh19
Sun May 20, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4972

Re: Bed Bugs

As someone who has battled this and has worked at places that have struggled with this off and on, pay a professional. Heat heat heat. Thats what 100% kills them. At home, I was very lucky as I only brought one or 2 home I think, my landlord brought over a bunch of DE and I put it freaking everywher...
by jeffh19
Sun Apr 22, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 6640

Re: Selling a car: how to get paid?

My dad told me something that always stuck with me. I'm not signing the title over until we are in my bank and they say everything checks out 100%, so I'm not taking a cashiers check or whatever on the weekend, only cash until the banks are open then I'll go into my bank and make sure they say it's ...
by jeffh19
Sun Apr 22, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Apple Pay Cash?
Replies: 6
Views: 981

Re: Apple Pay Cash?

I love it.
by jeffh19
Mon Apr 16, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 6654

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

Ya I'm a cheap....er frugal guy always looking to save a buck and I live in a city that only has Allegiant flying out, a very small city/airport. But the horror stories I've heard from people that fly it and stuff I've read online, hard pass for me. Some I know have flown multiple times with no issu...
by jeffh19
Sun Mar 11, 2018 5:22 am
Forum: Investing - Help with Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7139

Re: 25YR old with considerable amount of cash

As far as the financial side of things, most people have made good recommendations. If it was me, I'd throw it all in VTSAX. Maybe up to 20% or so in international. Don't mess around with bonds. This is money you dont want to touch for 20 years or so. Sure you could have a 50% drop the day after you...
by jeffh19
Sun Mar 11, 2018 5:05 am
Forum: Investing - Help with Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7139

Re: 25YR old with considerable amount of cash

Something posted this already, but I cannot over-state... Make sure no one except your immediate family knows about this. If people find out, they will try to snuggle up to get their share. People will start asking for loans. People will start asking you to pay for things. Life will be far easier i...
by jeffh19
Sun Mar 11, 2018 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Discount on Online Tax Act
Replies: 13
Views: 1259

Re: Discount on Online Tax Act

apparently credit karma has everything 100% free
by jeffh19
Fri Mar 09, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: $150K to invest
Replies: 12
Views: 2062

Re: $150K to invest

Dump it all in VTSAX. I'm 32 and have a smaller income, but I have 150k in my brokerage and I'm 100% stocks across the board. I literally own 0 bonds at all. Its for the long long term and nothing grows more than stocks, so what the hell. I'm pretty sure Warren Buffet recommends this anyway, at leas...
by jeffh19
Thu Mar 08, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 12256

Re: Ok fellow bogleheads, was the correction scary or nothing?

I wish it would have dropped more. I'm pissed at Vanguard because their website and app crashed when I was trying to dump money in the market. I never did (more so than my normal DCA) and I'm ticked about it lol It made me feel a little better about myself because even though it wasn't a big drop at...