Search found 66 matches

by j0e0r7
Sun Mar 15, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
Replies: 117
Views: 9414

Re: Is there a single person on here that thinks Coronavirus is going to have a material impact on

Even in the rosiest of projections, global unemployment is going to shoot up, many small businesses will fail, and trade will be severely disrupted.
by j0e0r7
Sun Mar 08, 2020 11:02 pm
Forum: Investing - Theory, News & General
Topic: S&P500 Futures halted tonight (3/8)
Replies: 233
Views: 16394

Re: S&P500 Futures halted tonight (3/8)

Is there a limit to how much an index like VTI or VXUS can go down in a day? Do they have 'circuit breakers' for indexes? The stocks in the indexes are effected by circuit breakers. So what happens when people buy or sell index funds holding stocks that have tripped the circuit breakers? How are th...
by j0e0r7
Wed Sep 04, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?
Replies: 20
Views: 1664

Re: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?

I ran the numbers and not being allowed to contribute $19,000 for a whole year ends up costing ~$146,000 in 30 years. I think that's how much less you'd have in tax-deferred, not what it would actually cost. I'd just take what you would have invested the first year, and invest it in a taxable accou...
by j0e0r7
Fri Jul 26, 2019 4:09 pm
Forum: Personal Investments
Topic: IRS CP2000 letter regarding Roth IRA withdrawal
Replies: 2
Views: 509

IRS CP2000 letter regarding Roth IRA withdrawal

Hi Bogleheads, I received a CP2000 letter proposing taxes due on $20K Roth withdrawal I took out a couple of years ago to help with a home downpayment. I'm kind of surprised by this, given that I have put more than $20K into the Roth and it was over 5 years old at the time. So, I assume I won't have...
by j0e0r7
Fri Jul 12, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8938

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

Why does losing your iPhone even unlocked give anyone access to your passwords? I scanned the thread for an explicit reason but didn't see it. My leading guess is that it's assumed the person is using some service where Apple stores their passwords*. Did I get it right? :D I’d be worried about your...
by j0e0r7
Fri Jul 12, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8938

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

Why does losing your iPhone even unlocked give anyone access to your passwords? I scanned the thread for an explicit reason but didn't see it. My leading guess is that it's assumed the person is using some service where Apple stores their passwords*. Did I get it right? :D I’d be worried about your...
by j0e0r7
Fri Jul 12, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8938

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

What is your concern with the 200 miscellaneous passwords? If you are using iCloud Keychain, they would need face/Touch ID to access the passwords, wouldn’t they? Or at least your passcode. They would have to be very lucky to get through that barrier before you erased your phone. I have about 20 si...
by j0e0r7
Fri May 10, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 79
Views: 9533

Re: Any conservative young investors?

there are two reasons to own bonds as a young investor (well, 3, but the third doesn't apply here at bogleheads - we aren't actively managing a bond portfolio in an attempt to outperform) 1) you are matching future costs to current bond holdings by amount and duration. 2) you anticipate that the lo...
by j0e0r7
Sat Apr 06, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my financed iPhone XS Max and going back to Android...
Replies: 40
Views: 2952

Re: Thinking of selling my financed iPhone XS Max and going back to Android...

That's not a bad plan, if you are familiar with Android already and you understand the pluses and minuses of the phones.

One point made here here is that iPhones are supported longer generally, so you could justify your purchase by keeping it longer.
by j0e0r7
Tue Dec 04, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 23341

Re: Bogle Sounds a Warning on Index Funds

On the second point, if the hedge funds buy a lot of shares and stop trading them, the liquidity of shares could drop, preventing inclusion in the index. I don't think they would stop selling them so much as try to manipulate the share price. People have been trying to do that with stocks forever, ...
by j0e0r7
Wed Nov 14, 2018 3:35 pm
Forum: Personal Investments
Topic: Brand New to Boggleheads, Thoughts on my stocks?
Replies: 12
Views: 956

Re: Brand New to Boggleheads, Thoughts on my stocks?

SPY is great.

If you're a college student, consider taking an intro to finance course. I did in law school kind of inadvertently and it was probably the most valuable class I took, looking back.
by j0e0r7
Mon Oct 22, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 3403

Re: Shouldn't Fridays be higher than average due to 401k contributions?

If there were a bump in the entire market every Friday, everyone would sell their stocks that day and buy them back Monday. Hence no bump. Efficient markets at work.
by j0e0r7
Thu Sep 20, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 49
Views: 3296

Re: TSP to Increase Stock Holdings in L Funds

Right. When REITs were all the rage (even look at this board c. 2007) and people were clamoring for them to add that asset class, the TSP held fast against that fad. IMO the glide path really had to change. I'm relatively risk-averse, but the L funds went way beyond what I'd ever want in bond % nea...
by j0e0r7
Wed Sep 19, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 49
Views: 3296

Re: TSP to Increase Stock Holdings in L Funds

I wonder when the next change will be? Market timers should be so excited about this, that the TSP is always going to try to remain hip and viable to whatever's popular in a given year. The TSP is hip. You must be joking. They take forever to do anything. In order to do a withdrawal, you must eithe...
by j0e0r7
Fri Jul 13, 2018 10:11 pm
Forum: Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 8236

Re: Dave Ramsey made me laugh today

In the context you provide in the OP regarding bonds, Ramsey is 100% correct. Bonds and bond funds lose value in times of raising interest rates. I’m not sure why that made you laugh. The rest of it is typical Ramsey and I don’t agree with his investment advice. Only if the rise is not expected by ...
by j0e0r7
Fri Jan 02, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1353
Views: 313328

Re: I think I just got a $5,000 watch for Christmas

We'll sometimes the heart wants what the heart wants. I wasn't going to suggest cheaper alternatives actually. In the same price range, have you taken a look at the Glashutte Original Senator Navigator? Nope, never seen it. Thanks for that. Looks fantastic. Love the large date, and the amazing move...
by j0e0r7
Sun Dec 28, 2014 1:45 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1353
Views: 313328

Re: I think I just got a $5,000 watch for Christmas

Congrats! Enjoy it!! I'm planning to get one or both of these two watches in the future, both of which are around $5k. Entirely frivolous. So what? Gotta have some of that in your life. Yes to the 2nd , no to the first. Modern IWC Mark x watches are just not that interesting from a movement perspec...
by j0e0r7
Fri Dec 26, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1353
Views: 313328

Re: I think I just got a $5,000 watch for Christmas

Congrats! Enjoy it!! I'm planning to get one or both of these two watches in the future, both of which are around $5k. Entirely frivolous. So what? Gotta have some of that in your life. http://ecx.images-amazon.com/images/I/5138JuFectL.jpg http://www.omegawatches.com/fileadmin/templates/images/img_p...
by j0e0r7
Sat Jan 25, 2014 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Careers you've enjoyed
Replies: 47
Views: 4961

Re: Careers you've enjoyed

This is true if you are trying to make tenure and become a name in your field. If you are not tenure track, simply teaching a couple classes a semester and maybe publishing when it suits you, it's a different ballgame. Nobody would call this a successful career, but it can be a pleasant life. For m...
by j0e0r7
Thu Jan 23, 2014 6:47 am
Forum: Personal Investments
Topic: Backdoor Roth tax year
Replies: 2
Views: 561

Re: Backdoor Roth tax year

Thank you very much!!
by j0e0r7
Wed Jan 22, 2014 9:13 pm
Forum: Personal Investments
Topic: Backdoor Roth tax year
Replies: 2
Views: 561

Backdoor Roth tax year

Hi Bogleheads,

I have a simple question that I haven't been able to find the answer to.

If I do a backdoor Roth for the 2013 tax year before April of this year, in which year would any resulting taxes be payable?
by j0e0r7
Fri Sep 27, 2013 10:03 am
Forum: Personal Consumer Issues
Topic: Do we still need to own a home?
Replies: 34
Views: 4879

Re: Do we still need to own a home?

Don't think you're not paying for the accompanying expenses of house ownership. Nobody is going to rent to you for a loss. The landlord will charge you MORE than the mortgage so she can save up for that occasional roof repair - AC fix, etc. A hypothetical. Three identical houses next to each other:...
by j0e0r7
Sat May 12, 2012 10:31 pm
Forum: Personal Consumer Issues
Topic: Speeding Ticket Recommendation
Replies: 40
Views: 3823

Re: Speeding Ticket Recommendation

With any luck, the officer won't show up (that's a requirement in my state, an actual witness to the crime). I think it's actually a federal (Sixth Amendment) requirement. I'd just tell your story, with or without pictures (pics can't hurt). That's the way traffic court works, as I understand. You ...
by j0e0r7
Sun Feb 12, 2012 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Draft Roth TSP Guidelines
Replies: 32
Views: 2669

Re: Draft Roth TSP Guidelines

If you're currently maxing out your TSP, would it make sense to do the Roth version, since the limit is the same on both? If I'm understanding it correctly, this is potentially a big deal.
by j0e0r7
Thu May 19, 2011 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: My friends are making bone-headed decisions
Replies: 67
Views: 9431

After college, I backpacked through Europe. I didn't end up paying off the credit card debt 'til after I finished law school, 4 or 5 years later. Never once did I regret racking up the debt for Europe. One of the best times of my life. I guarantee her trip to Africa will similarly be worth it. I'm s...
by j0e0r7
Sun Apr 24, 2011 10:09 pm
Forum: Personal Consumer Issues
Topic: Mail order Classic Coca-Cola (seriously)
Replies: 23
Views: 3669

Interestingly, the taste difference has been shown to be imperceptible. The glass bottles would be a good gift, though.

http://www.wired.com/wiredscience/2010/ ... your-head/
by j0e0r7
Thu Mar 31, 2011 5:05 pm
Forum: Investing - Theory, News & General
Topic: Treasuries Still Make Sense (2 Parts)
Replies: 62
Views: 7196

Bill Gross implies treasuries are not desirable because of the following risks: the only way out of the dilemma, absent very large entitlement cuts, is to default in one (or a combination) of four ways: 1) outright via contractual abrogation – surely unthinkable, 2) surreptitiously via accelerating ...
by j0e0r7
Tue Mar 15, 2011 6:30 pm
Forum: Investing - Theory, News & General
Topic: Buying on the dips
Replies: 14
Views: 2438

Yeah, it seems silly. With all the market players out there (investment banks, hedge funds, mutual funds, day traders etc.), how could a market inefficiency that simple exist? Impossible.
by j0e0r7
Fri Feb 18, 2011 8:03 am
Forum: Investing - Theory, News & General
Topic: Do you have a written Investment Policy Statement?
Replies: 61
Views: 6805

Nope. All my $$ is in target retirement funds, so no IPS required.
by j0e0r7
Tue Jun 22, 2010 6:33 pm
Forum: Investing - Theory, News & General
Topic: who's paying for Vanguard's new ad campaign?
Replies: 57
Views: 7804

David Cross on McDonalds ads

warning some potentially offensive language
by j0e0r7
Fri Mar 26, 2010 11:17 am
Forum: Investing - Theory, News & General
Topic: Where can I go to discuss topics not allowed here?
Replies: 28
Views: 5726

If I were in your boat (i.e., curious about the financial crisis), I would avoid the forums and read any one of a number of books that just came out such as Too Big to Fail: The Inside Story of How Wall Street and Washington Fought to Save the Financial System---and Themselves.
by j0e0r7
Sat Jan 23, 2010 1:12 am
Forum: Personal Consumer Issues
Topic: BBC [really The Guardian] book dare
Replies: 74
Views: 9764

Pleasantly surprised to be reminded of Cloud Atlas. Such a cool book.
by j0e0r7
Thu Jan 07, 2010 7:07 pm
Forum: Personal Consumer Issues
Topic: Help with a simple exercise/workout routine
Replies: 33
Views: 5607

You could also try a rowing machine if you're looking for a more aerobic workout.
by j0e0r7
Tue Jan 05, 2010 9:45 pm
Forum: Personal Consumer Issues
Topic: Easiest Job that offers Federal TSP?
Replies: 39
Views: 9358

It appears you can roll over 401(k)s and IRAs into a TSP regardless of whether you're a current or former employee. From http://www.tsp.gov/features/chapter02a.html#sub1 Can I transfer or roll over money from an existing retirement plan to the TSP? Yes. Whether you are an active or separated Federal...
by j0e0r7
Sun Jan 03, 2010 10:10 pm
Forum: Personal Consumer Issues
Topic: Costco: worth it?
Replies: 97
Views: 17081

Thanks everyone for your helpful info! Think I'm going to join ...
by j0e0r7
Sun Jan 03, 2010 8:37 pm
Forum: Personal Consumer Issues
Topic: Costco: worth it?
Replies: 97
Views: 17081

Costco: worth it?

I'm in a long-distance relationship so I'm living by myself right now -- so no need to buy in bulk. But I'm considering a possible Costco membership. What are the advantages over, say Target or Amazon.com? I'll probably bite the bullet on a membership, but kind of want to know what I'll get for my $...
by j0e0r7
Mon Aug 17, 2009 1:29 pm
Forum: Personal Investments
Topic: Wellington Fund
Replies: 6
Views: 2337

In addition, I don't believe Wellington has any international stocks. So most would recommend having an international holding for diversification purposes.
by j0e0r7
Fri Aug 14, 2009 2:02 pm
Forum: Personal Investments
Topic: Why doesn't VG have a technology fund?
Replies: 19
Views: 3422

I would just do QQQQ. It has the advantage of being one of the most traded ETFs.
by j0e0r7
Thu Aug 13, 2009 2:43 pm
Forum: Personal Consumer Issues
Topic: I love coffee
Replies: 94
Views: 12735

I currently drink coffee every day, but I don't really get any pleasure from it. When I stop drinking it (after 5 days of headaches), I find I have more energy throughout the day.
by j0e0r7
Sat Aug 08, 2009 9:09 pm
Forum: Personal Investments
Topic: A simple question regarding my Vanguard account...
Replies: 11
Views: 2671

Is there a way to do this with a TSP? I couldn't find one, so I'm guessing not. With the number of people having a TSP, I am continually surprised that there's not an easier way to track the value of the TSP funds outside of the TSP website itself.
by j0e0r7
Thu Aug 06, 2009 6:36 pm
Forum: Personal Investments
Topic: Berkshire Hathaway
Replies: 36
Views: 6986

I am convinced that this stock tanks bigtime as soon as Warren passes away. ...and then you buy once it drops below the perceived "Buffett premium" which it likely will. Talk about the ultimate discount to intrinsic value. AAPL has this same problem. And it's not clear whether you'd get a discount ...
by j0e0r7
Tue Aug 04, 2009 9:02 pm
Forum: Investing - Theory, News & General
Topic: Why not open the thrift saving plan to everyone in the US?
Replies: 72
Views: 8765

Apple provides stock options to its employees. Why not have this by law an option for every person in the country??
by j0e0r7
Wed Jul 22, 2009 10:44 pm
Forum: Personal Consumer Issues
Topic: Changing my computer buying habits
Replies: 87
Views: 13459

I want to buy a new desktop computer but don't want to deal with Vista if it's going to be soon outdated by Windows 7 -- which HP says is coming out in late October. Currently running XP and my system is probably on its last legs, a little slow at times. Is there a PC (not Mac) alternative to waiti...
by j0e0r7
Mon Jul 20, 2009 6:44 pm
Forum: Investing - Theory, News & General
Topic: New blog post on TIPS for those interested
Replies: 29
Views: 4855

Mr. Swedroe talks about an illiquidity premium. Am I correct in thinking that if you're buying these securities in a Vanguard fund they're equally liquid, so TIPS over other treasuries should be a no-brainer?
by j0e0r7
Mon Jul 20, 2009 4:32 pm
Forum: Personal Consumer Issues
Topic: Changing my computer buying habits
Replies: 87
Views: 13459

I marvel at going 3 years without a security update. :) Not ideal... But behind a NAT-router, with an up-to-date viruskiller and using an up-to-date browser, risks are probably pretty limited. But don't quote me on that. :wink: First, would someone rocking Windows 98 have a NAT Router? Up to date v...
by j0e0r7
Thu Jul 16, 2009 10:08 pm
Forum: Personal Consumer Issues
Topic: Alexandria Trip and National's Park
Replies: 2
Views: 833

If you can stay there, Old Town Alexandria is a very nice place. You can take the King St Metro from there. The Metro runs late enough, and they adjust their schedule for the games anyway.
by j0e0r7
Thu Jul 16, 2009 9:28 pm
Forum: Investing - Theory, News & General
Topic: Do the passively rich pay their share of taxes?
Replies: 28
Views: 4130

Re: Do the passively rich pay their share of taxes?

It seems to me if I was loaded I could take an extra $20mil, buy Muni Bonds and pay 0% taxes on my $1Mil of income. Yes, but you are loaning the government money and willingly accepting $400,000 less in interest every single year. You should consider that as equivalent to paying income taxes. As fa...
by j0e0r7
Sun Jul 12, 2009 10:46 pm
Forum: Personal Consumer Issues
Topic: Impact of Chrome OS (aka benefits of competition.....
Replies: 34
Views: 6518

Re: Impact of Chrome OS (aka benefits of competition.....

I don't quite understand this Chrome OS. It's going to be a Linux distribution. We already have maybe hundreds of different Linux distros. The core is going to be the same. Only the presentation and packaging will be different. People who want Linux can get Linux already. They don't have to wait fo...
by j0e0r7
Fri Jul 10, 2009 9:27 pm
Forum: Personal Investments
Topic: Gold in 1979
Replies: 17
Views: 2837

Re: Gold in 1979

Chas wrote: BTW didn't Robert Lewis Stevenson write a book named "The Gold Bug"? Someone was asking about where the name came from.
Close but no cigar.