Search found 258 matches

by JHU ALmuni
Sun Jan 24, 2021 10:00 pm
Forum: Personal Investments
Topic: Anyone here incorporate Cryptocurrency into their AA?
Replies: 22
Views: 1255

Re: Anyone here incorporate Cryptocurrency into their AA?

Jimsad wrote: Sun Jan 24, 2021 9:07 pm My wife was upset we missed out on Tesla
So to keep her happy , I put 0.5 % of my portfolio in Crypto (even though she wanted more) about 6 months ago .
It grew to 1% of my portfolio now .
Lesson learned, listen to your wife. She has good intuition.
by JHU ALmuni
Sun Jan 24, 2021 9:59 pm
Forum: Personal Investments
Topic: Anyone here incorporate Cryptocurrency into their AA?
Replies: 22
Views: 1255

Re: Anyone here incorporate Cryptocurrency into their AA?

Yes, started at 20%. That 20% has grown to become 60% in less than a year. To be honest, wasn't expecting it to grow this quick but glad I took the risk.
by JHU ALmuni
Sat Jan 23, 2021 9:32 pm
Forum: Personal Consumer Issues
Topic: Purchasing my first smartwatch or fitness tracker
Replies: 27
Views: 1888

Re: Purchasing my first smartwatch or fitness tracker

Honestly I won't worry about getting one, many apps track quality of sleep with reasonable accuracy plus when you get up in the morning you can tell how you slept with no devices. As far as heart rate and body temperature not sure why you would want to track these daily unless there is a strong reas...
by JHU ALmuni
Sun Jan 17, 2021 9:26 pm
Forum: Personal Investments
Topic: CrytpoCurrency
Replies: 55
Views: 4472

Re: CrytpoCurrency

I have bitcoin and other cryptocurrancies, started with 15% of my portfolio few months ago... Now grown to become over 60% of my portfolio. Will keep the coins I have at the moment, might be my key for early retirement :beer
by JHU ALmuni
Sat Jan 16, 2021 8:10 pm
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 194
Views: 9916

Re: On what are you most bullish?

Bitcoin and Cryptocurrancies in general.
by JHU ALmuni
Wed Jan 13, 2021 10:41 pm
Forum: Personal Investments
Topic: Three Fund Portfolio + Ark ?
Replies: 24
Views: 1627

Re: Three Fund Portfolio + Ark ?

Dannyzecca wrote: Wed Jan 13, 2021 9:03 pm What’s your thoughts and opinions on this, it would look something like

VTSAX
VTIAX
VBTLX
ARKQ
ARKK
ARKG
ARKF
If it was me, I'd allocate at least 50% to ARK funds and keep watching...
by JHU ALmuni
Sat Jan 09, 2021 4:57 pm
Forum: Investing - Theory, News & General
Topic: Do you have FOMO (Bitcoin, TSLA, whatever?)
Replies: 201
Views: 12249

Re: Do you have FOMO (Bitcoin, TSLA, whatever?)

I do actually. Made some good and bad investments but the good ones outweigh the bad ones by ages... So all good!
by JHU ALmuni
Fri Jan 08, 2021 4:46 pm
Forum: Personal Investments
Topic: Should I sell my Tesla [stock] now or wait?
Replies: 43
Views: 2377

Re: Should I sell my Tesla [stock] now or wait?

I would just hold it. This stock apparently only go up despite being overvalued etc., so enjoy the ride!
by JHU ALmuni
Thu Jan 07, 2021 8:40 pm
Forum: Investing - Theory, News & General
Topic: If you bought Bitcoin, when do you plan to sell?
Replies: 248
Views: 16863

Re: If you bought Bitcoin, when do you plan to sell?

I will sell when the total value starts to exceed $700K, might happen this year much sooner than anticipated :sharebeer No, 700k$ is too high. On-chain analytics, stock-to-flow and some other metrics indicate 200-300k$ as most likely, 500k$ not out of question. More than that? Most likely not. Chec...
by JHU ALmuni
Thu Jan 07, 2021 3:59 pm
Forum: Investing - Theory, News & General
Topic: If you bought Bitcoin, when do you plan to sell?
Replies: 248
Views: 16863

Re: If you bought Bitcoin, when do you plan to sell?

I will sell when the total value starts to exceed $700K, might happen this year much sooner than anticipated :sharebeer
by JHU ALmuni
Wed Jan 06, 2021 8:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3410
Views: 572498

Re: What are you up YTD? [Year To Date]

Up 44% YTD... The little fun money I put in crypto is becoming the real money :sharebeer
by JHU ALmuni
Mon Jan 04, 2021 10:46 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin
Replies: 69
Views: 5053

Re: Bitcoin

Office of the Comptroller of the Currency just announced new guidelines today regarding Cryptcurrancies, and how banks can utilize this new technology. The future of finance looks bright indeed! https://www.forbes.com/sites/haileylennon/2021/01/04/occ-regulator-implements-groundbreaking-cryptocurren...
by JHU ALmuni
Fri Jan 01, 2021 12:50 am
Forum: Personal Finance (Not Investing)
Topic: 2020 Net Worth
Replies: 111
Views: 7249

Re: 2020 Net Worth

Up 200%, didn't see it coming considering the crash we saw in March. Thanks to the latest Bitcoin bull run :sharebeer
by JHU ALmuni
Thu Dec 31, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: International Wire transfer
Replies: 10
Views: 525

Re: International Wire transfer

Chase have the worst exchange rate. The rate you see online is not what they use to process the wire. Learned that the hard way too :oops:
by JHU ALmuni
Tue Dec 29, 2020 7:11 am
Forum: Investing - Theory, News & General
Topic: When will you start buying airline and hotel stocks again?
Replies: 53
Views: 3294

Re: When will you start buying airline and hotel stocks again?

March was the time to buy to maximize profits...
by JHU ALmuni
Mon Dec 28, 2020 5:01 pm
Forum: Investing - Theory, News & General
Topic: The Robinhood "videogame"
Replies: 105
Views: 11020

Re: The Robinhood "videogame"

My soon to graduate from college youngest son started dabbling with Robinhood a bit (although he has his real money at Vanguard). I mentioned to him “hey, when we have to do your taxes next year, each one of those trades is going to generate a small capital gain or loss that we’re going to have to ...
by JHU ALmuni
Sun Dec 27, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: 2020: Lessons learned
Replies: 237
Views: 15711

Re: 2020: Lessons learned

Buy the dip :moneybag
by JHU ALmuni
Sun Dec 27, 2020 7:16 pm
Forum: Personal Investments
Topic: Thoughts on investing in BRK.B on a long term basis?
Replies: 12
Views: 1314

Re: Thoughts on investing in BRK.B on a long term basis?

QQQ worked out great this year for me. Wish I can tell if future performance will be the same. Have cash on the side to invest.
by JHU ALmuni
Sun Dec 27, 2020 7:13 pm
Forum: Non-US Investing
Topic: I want 15% yearly ROI. How to go about it? [Croatia]
Replies: 135
Views: 10595

Re: I want 15% yearly ROI. How to go about it?

My 401K up 37% this year. So 15% is possible in the current market unless we start to see down trend.
by JHU ALmuni
Fri Dec 25, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin, Ethereum and Crypto: Educational Thread
Replies: 216
Views: 15724

Re: Bitcoin, Ethereum and Crypto: Educational Thread

Armani wrote: Fri Dec 25, 2020 3:27 pm How does actually invest in Bitcoin to take advantage of the profits? How do you buy it?
You trade it just like stocks. Robinhood, PayPal, and Coinbase are all great to get you started.
by JHU ALmuni
Thu Dec 24, 2020 9:01 pm
Forum: Personal Consumer Issues
Topic: PayPal Claim USPS In Transit Arriving Late
Replies: 39
Views: 2561

Re: PayPal Claim USPS In Transit Arriving Late

Same here, order item that was shipped Dec. 8th, still in transit arriving late!
by JHU ALmuni
Wed Dec 23, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Networth $1M (age 40) ...please advise for next steps
Replies: 43
Views: 9654

Re: Networth $1M (age 40) ...please advise for next steps

$1MM is not a lot. You're middle age and it's technically $500k per person. I would recommend hitting $3MM family net worth at the bare min. You have to consider inflation rate as well. If you want $100k/yr (in future dollars) at retirement you need like $3MM using 3.33% SWR. If you want $100k/yr (...
by JHU ALmuni
Wed Dec 23, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: The Robinhood "videogame"
Replies: 105
Views: 11020

Re: The Robinhood "videogame"

My soon to graduate from college youngest son started dabbling with Robinhood a bit (although he has his real money at Vanguard). I mentioned to him “hey, when we have to do your taxes next year, each one of those trades is going to generate a small capital gain or loss that we’re going to have to ...
by JHU ALmuni
Wed Dec 23, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do if you're disappointed about this probable job rejection?
Replies: 22
Views: 2455

Re: What would you do if you're disappointed about this probable job rejection?

Curious how did you find out the role is no longer available? Did you get a thank you for applying note etc.? If the role is truly no longer available, then apparently you weren't selected. I'd just move on. From my experience when you are selected for a role, the company will extend something verba...
by JHU ALmuni
Tue Dec 22, 2020 9:38 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin @ 23K, why am I anti-Bitcoin?
Replies: 404
Views: 19733

Re: Bitcoin @ 23K, why am I anti-Bitcoin?

Phinance wrote: Thu Dec 17, 2020 11:32 am Bitcoin hit 23K, remind me again why I’m anti-Bitcoin?
Because you missed the train?? :moneybag
by JHU ALmuni
Tue Dec 22, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: house affordability math
Replies: 18
Views: 1399

Re: house affordability math

For me personally affordability depends on the big picture. For example someone with $500K net worth and minimal debit can afford to spend on a house more than someone with $200K salary and $100K in student loans/debt. If you are where you supposed to be in regards of saving/retirement then you can ...
by JHU ALmuni
Sat Dec 19, 2020 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: HM Bradley savings plan 3% APY
Replies: 97
Views: 9856

Re: HM Bradley savings plan 3% APY

What would Charlie Munger say about this? :oops: I believe that he would put it in the "Too complicated file," move on to the next question and forget it. (Why risk 100% of ones principal to achieve a maximum possible gain of 3% if it's legit?) Wondering why you think it's not legit? HM B...
by JHU ALmuni
Fri Dec 18, 2020 6:22 pm
Forum: Personal Investments
Topic: Where are you storing your emergency fund money?
Replies: 79
Views: 6139

Re: Where are you storing your emergency fund money?

BTC and top altcoins, up 5x in the past few months :sharebeer
by JHU ALmuni
Fri Dec 18, 2020 10:30 am
Forum: Personal Investments
Topic: Citigold Investment ($200k req) with Citi Priority Bonus ($700)
Replies: 6
Views: 809

Re: Citigold Investment ($200k req) with Citi Priority Bonus ($700)

How long do you need to keep the fund for the $700?Kinda tempted as well.
by JHU ALmuni
Thu Dec 17, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Bitcoin, Ethereum and Crypto: Educational Thread
Replies: 216
Views: 15724

Re: Bitcoin, Ethereum and Crypto: Educational Thread

burritoLover wrote: Thu Dec 17, 2020 8:47 am Is there a way to buy and hold crypto without any fees?
Coinbase and Robinhood.
by JHU ALmuni
Wed Dec 16, 2020 10:37 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin breaks $20,000
Replies: 231
Views: 10900

Re: Bitcoin breaks $20,000

bg5 wrote: Wed Dec 16, 2020 10:21 pm Bitcoin is now over $22,000 .....wow
That's my boy...
by JHU ALmuni
Thu Dec 03, 2020 4:23 pm
Forum: Personal Investments
Topic: Where to put "mad money"?
Replies: 31
Views: 2331

Re: Where to put "mad money"?

Top 4 or 5 crypto coins like Bitcoin, Litecoin, Ehterum, and Ripple...
by JHU ALmuni
Tue Dec 01, 2020 9:31 pm
Forum: Investing - Theory, News & General
Topic: Easiest way to buy bit coin/cryptocurrency index fund
Replies: 185
Views: 13926

Re: Easiest way to buy bit coin/cryptocurrency index fund

Personally I use coinbase, easy to use and no issues so far.
by JHU ALmuni
Thu Nov 26, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in NJ, how much to spend?
Replies: 75
Views: 5120

Re: Buying a house in NJ, how much to spend?

Thanks a lot of the input this is very helpful. I'm targeting to buy in Middlesex County at the point if I buy (properties seems to hold their value better if I'm not mistaken). I agree what your thoughts and personally not thrilled about buying in NJ but at the same time paying $32K in rent a year...
by JHU ALmuni
Wed Nov 25, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in NJ, how much to spend?
Replies: 75
Views: 5120

Re: Buying a house in NJ, how much to spend?

I am making the assumption that you are looking at buying in North/Central NJ since you mention NYC. I lived in that part of the country for many years until I eventually got fed up and moved to a lower cost of living area (more on that later :happy). Anyway, housing prices vary from town to town, ...
by JHU ALmuni
Wed Nov 25, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in NJ, how much to spend?
Replies: 75
Views: 5120

Re: Buying a house in NJ, how much to spend?

Except the current $2600 rent for OP might not be for a home worth 500k since as stated is missing "extra room since kids doing school remote and we both working from home at the moment" so is looking for an upgrade in space. I do agree that home appreciation in many parts of this state h...
by JHU ALmuni
Wed Nov 25, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in NJ, how much to spend?
Replies: 75
Views: 5120

Re: Buying a house in NJ, how much to spend?

Property Taxe is high in NJ, that's another discouraging factor. Reasons why I want to buy: 1. Build equity 2. Take advantage of lower mortgage rates 3. Have extra room since kids doing school remote and we both working from home at the moment. Not rushing to buy but at the same time I feel my rent...
by JHU ALmuni
Mon Nov 23, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in NJ, how much to spend?
Replies: 75
Views: 5120

Buying a house in NJ, how much to spend?

Hello, I just started looking to buy a house in NJ and wondering how much to spend, below some information that might help: 1. Married with two young kids. 2. Household income: $220K 3. Total retirement savings: $300K 4. Age: 37 and 33 (kids 9 and 11) 5. Current rent: $2,600 Ideally I'd like to stay...
by JHU ALmuni
Fri Nov 13, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Aging parents - who pays for expenses related to medical care
Replies: 109
Views: 5670

Re: Aging parents - who pays for expenses related to medical care

Dottie57 wrote: Fri Nov 13, 2020 10:35 am
David Jay wrote: Fri Nov 13, 2020 10:31 am
miamivice wrote: Fri Nov 13, 2020 10:25 amUltimately, we would probably assume the cost of all of this if they refused...
Honestly, neither one of us would ever have even thought about asking our parents to reimburse us for these items.

They took care of us for 18+ years, now it's our turn.
+1000.
+1001
by JHU ALmuni
Tue Nov 10, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: New Car Scratch: Fix Completely or Partially?
Replies: 32
Views: 1771

Re: New Car Scratch: Fix Completely or Partially?

galawdawg wrote: Tue Nov 10, 2020 4:33 pm For a scratch, I'd do option D. A bottle of touch-up paint from the vehicle manufacturer ($15 or so at the dealer's parts department) and touch it up myself. One bottle will fix several years worth of scratches, rock chips, etc.
+1

Basically this is what the shop will be doing for $80
by JHU ALmuni
Sun Nov 08, 2020 9:46 pm
Forum: Investing - Theory, News & General
Topic: % allocation in bitcoin
Replies: 204
Views: 11998

Re: % allocation in bitcoin

I have some BTC and other top altcoins just in case the price go up to 50K+, then I will cash it and pay for my house in cash. Risk is high, but return is also high. No regrets so far...
by JHU ALmuni
Sun Nov 01, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Can I afford luxury watch?
Replies: 87
Views: 3608

Re: Can I afford luxury watch?

OP at 44 this is not a good buy giving your income/student loans.
by JHU ALmuni
Sun Nov 01, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Can I afford luxury watch?
Replies: 87
Views: 3608

Re: Can I afford luxury watch?

Technically speaking yes, you can afford it and it won't break your bank but based on that income and student loan debits I wouldn't personally buy it until I have more savings or larger income.
by JHU ALmuni
Fri Oct 30, 2020 5:26 pm
Forum: Personal Investments
Topic: Hit 2M, at 38, should I retire?
Replies: 106
Views: 15961

Re: Hit 2M, at 38, should I retire?

Congrats OP, you won the game. Definitely retire in LCOL country and enjoy your life...
by JHU ALmuni
Wed Oct 28, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it? First Time Home Purchase
Replies: 31
Views: 2660

Re: Can I afford it? First Time Home Purchase

OP-

My advice keep renting or look for something under $500K. As much as you like the apartment, it will turn your life to a nightmare unless you double your income.
by JHU ALmuni
Sun Oct 25, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can my wife and I afford a $600K + house?
Replies: 134
Views: 15007

Re: Can my wife and I afford a $600K + house?

You can afford it but it's not ideal in my opinion. After taxes, retirement contributions, etc. your take home pay is probably around the $150K with daycare and additional expenses for the baby (congratulations by the way) the house payment will be eating the rest of your paycheck. By the way in the...
by JHU ALmuni
Sun Oct 18, 2020 10:48 am
Forum: Personal Investments
Topic: Coronavirus and the Market, what's on your watchlist?
Replies: 4
Views: 459

Coronavirus and the Market, what's on your watchlist?

For those who have some fun money on the side outside of retirement accounts, what individual stocks are you watching with the 2nd wave of Corona virus coming? Stocks like AMZN, ZM, AMD did well in the past few months and with the second wave starting the momentum probably not dying anytime soon. Pe...
by JHU ALmuni
Sat Oct 10, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: Victim of online scam. problem with credit card dispute.
Replies: 99
Views: 5723

Re: Victim of online scam. problem with credit card dispute.

OP- $120 isn't a lot but I'll not let it slide. I'd call customer service on the phone and file another claim and ask to speak to a supervisor. Mention this never happened to you with any other credit card company and this is why you have the credit card and if they can't resolve the claim you will ...