Search found 7016 matches

by JBTX
Tue Aug 22, 2017 8:49 pm
Forum: Personal Investments
Topic: Are US S&P 500 Index funds speculative investments?
Replies: 63
Views: 6918

Re: Are US S&P 500 Index funds speculative investments?

Looking at this GMO world allocation fund they avoided much of the 2007/2008 pain, but their returns have been modest since. http://www.morningstar.com/funds/XNAS/GBMFX/quote.html If only I had 10 million to invest...... Very modest. 10 year return is under Vanguard's Total Intermediate Term Bond I...
by JBTX
Tue Aug 22, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: animal stuck in dryer vent?
Replies: 27
Views: 10378

Re: animal stuck in dryer vent?

I once found a dehydrated robin in my dryer vent, along with lint and other debris. I now make a point to blow out my dryer vent at least once a year with my leaf blower. I do this from the inside and the outside. This might not remove a large blockage like a dead animal, but it keeps small amounts...
by JBTX
Tue Aug 22, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18110

Re: Is it worth it? [demanding jobs vs time with family]

Its probably best to drop it, but I will ask, do you have any scientific evidence at all that two working parents cause kids to be autistic? I even have to shake my head when typing that. Not just your anecdotal observations, which are likely due to other factors. You are going to believe what you ...
by JBTX
Tue Aug 22, 2017 6:14 pm
Forum: Personal Investments
Topic: Are US S&P 500 Index funds speculative investments?
Replies: 63
Views: 6918

Re: Are US S&P 500 Index funds speculative investments?

Looking at this GMO world allocation fund they avoided much of the 2007/2008 pain, but their returns have been modest since.

http://www.morningstar.com/funds/XNAS/GBMFX/quote.html

If only I had 10 million to invest......
by JBTX
Tue Aug 22, 2017 5:01 pm
Forum: Personal Investments
Topic: Are US S&P 500 Index funds speculative investments?
Replies: 63
Views: 6918

Re: Are US S&P 500 Index funds speculative investments?

Overpriced by who's standards? What's the "right" price? People are obsessed with valuations. Go ask Passion's Savings author Rob Bennet how valuation informed investing has worked out for him. Better yet...don't. If you tend to think various measures will be mean reverting, such as P/E r...
by JBTX
Tue Aug 22, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: CFP vs MBA with focus in finance/management during career transition
Replies: 21
Views: 3325

Re: CFP vs MBA with focus in finance/management during career transition

I am considering enrollment in an online CFP-based course of study with the goal of transitioning from my current career into one where I can eventually work for myself and help people directly, possibly in finance. One of my biggest pet peeves is watching consumers make ill-informed financial deci...
by JBTX
Tue Aug 22, 2017 4:03 pm
Forum: Personal Investments
Topic: Are US S&P 500 Index funds speculative investments?
Replies: 63
Views: 6918

Are US S&P 500 Index funds speculative investments?

http://www.marketwatch.com/story/us-stock-valuations-havent-been-this-extreme-since-1929-and-2000-2017-08-22 “A decision to allocate to a passive S&P 500 index is to say that you are ignoring what we believe is the most important determinant of long-term returns: valuation. At this point, you ar...
by JBTX
Tue Aug 22, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18110

Re: Is it worth it? [demanding jobs vs time with family]

We're at an impasse when that's the gist you got from those types of posts. They were mostly much more well thought out than that, and they deserve a better response, especially from someone who considers herself more enlightened. You haven't rebutted, but only mildly rebuked. Cut to the chase, vk ...
by JBTX
Tue Aug 22, 2017 2:35 pm
Forum: Personal Investments
Topic: Landlord - collections
Replies: 13
Views: 1918

Re: Landlord - collections

If not resolved I would be very stingy on the evaluation of the condition of the place for the security deposit if it wasn't spotless. But I know nothing on the subject, so take this post for what it is worth (not much) One of the reasons I have never pursued occasional itch to diversify into rental...
by JBTX
Tue Aug 22, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18110

Re: Is it worth it? [demanding jobs vs time with family]

... I also really appreciated the posters that pointed out how certain posts were judgmental and sexist. The posters claiming that women are better suited to take care of children or recommended that I live off of my husband's income demonstrate the kind of implicit bias and sexism that will contin...
by JBTX
Tue Aug 22, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18110

Re: Is it worth it? [demanding jobs vs time with family]

... I also really appreciated the posters that pointed out how certain posts were judgmental and sexist. The posters claiming that women are better suited to take care of children or recommended that I live off of my husband's income demonstrate the kind of implicit bias and sexism that will contin...
by JBTX
Tue Aug 22, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18110

Re: Is it worth it? [demanding jobs vs time with family]

Folks, This probably does not apply to most families. But, it applies to my family and it may apply to some of you. Many members of my family (my side and my wife side) have autistic children. And, in most cases, both parents worked and did not spend time with their children when they are toddlers....
by JBTX
Tue Aug 22, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 2592

Re: DirecTV vs. Dish vs. Cable

It is a pain in the back side but if you have the time the persistence does pay off. I'll be paying about $59 a month for direct tv package that includes both HBO and Showtime. It would probably be between 150-200 just for directv a month without all the loyalty and bundling discounts. so you're im...
by JBTX
Tue Aug 22, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 49
Views: 4460

Re: Can you recommend a good mouse trap?

if one can get in there others will too. Definitely restrict the point of entry.
by JBTX
Tue Aug 22, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 2592

Re: DirecTV vs. Dish vs. Cable

AT&T and DirecTV face thousands of complaints linked to overcharging, promotions I already have both ATT and directv and have found i am able to get more bundling discounts due to combination. I knew there would be 'someone' who would state otherwise. :happy They took my parents for a ride, tha...
by JBTX
Tue Aug 22, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 2592

Re: DirecTV vs. Dish vs. Cable

I already have both ATT and directv and have found i am able to get more bundling discounts due to combination.
by JBTX
Tue Aug 22, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 10268

Re: Safe car for wife and baby

SUVs have greater rollover risk than sedans. Also a midsize sedan is easier to stop than an SUV. People fear the risk they think they can't control. So they get the biggest tank available to protect themselves from the other bad driver. But they don't worry about the risk of error on their part beca...
by JBTX
Tue Aug 22, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18110

Re: Is it worth it? [demanding jobs vs time with family]

Folks, This probably does not apply to most families. But, it applies to my family and it may apply to some of you. Many members of my family (my side and my wife side) have autistic children. And, in most cases, both parents worked and did not spend time with their children when they are toddlers....
by JBTX
Tue Aug 22, 2017 2:21 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18110

Re: Is it worth it? [demanding jobs vs time with family]

Folks, This probably does not apply to most families. But, it applies to my family and it may apply to some of you. Many members of my family (my side and my wife side) have autistic children. And, in most cases, both parents worked and did not spend time with their children when they are toddlers....
by JBTX
Tue Aug 22, 2017 2:10 am
Forum: Personal Investments
Topic: $1000/month: Mortgage vs. Market vs. Other
Replies: 22
Views: 2678

Re: $1000/month: Mortgage vs. Market vs. Other

I wouldn't refinance with that small differential in rates. I seem to in minority here but I'm kind of indifferent to sinking money into a 529 with only 4 years until they start. I guess it depends when the younger one starts. Presumably you would allocate the 529 very conservatively and heavily tow...
by JBTX
Tue Aug 22, 2017 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Refinance or Stay As Is
Replies: 13
Views: 1787

Re: Refinance or Stay As Is

Tough call. I kind of like the 15 @ 2.75. That is a really good rate. But depending on what your long term cash flow is there could be some merit in going with the 30 year for liquidity purposes. That's a difference of a little more than $9000 per year. Whatever the case I'm not sure why you'd pay o...
by JBTX
Tue Aug 22, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: animal stuck in dryer vent?
Replies: 27
Views: 10378

Re: animal stuck in dryer vent?

Dryer vents are actually something that should be cleaned out periodically anyway.
by JBTX
Tue Aug 22, 2017 1:33 am
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 2592

Re: DirecTV vs. Dish vs. Cable

Hello, I have been using rabbit ears for a very long time. There is nothing more sweet than saving money on cable. However, once I've reached certain financial goals, I *do* want to go back to having a lot on TV. Please note: I do not want to rely on netflix or hulu or any other streaming program. ...
by JBTX
Tue Aug 22, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: animal stuck in dryer vent?
Replies: 27
Views: 10378

Re: animal stuck in dryer vent?

Good luck. They do actually have people that clean dryer and other vents. Perhaps they could be of help.

It could be a rat. Just sayin.
by JBTX
Mon Aug 21, 2017 6:04 pm
Forum: Personal Investments
Topic: Question about type of account at Fifelity
Replies: 9
Views: 1528

Re: Question about type of account at Fifelity

Hello Boggleheads. I have been reading this forum trying to educate myself for several months. I am 61 years old, retired last year, married filing jointly on taxes (wife, age 60, retired also.). We have a one year emergency fund. I receive a pension of 3K (Net) monthly. My 401K of about 900K still...
by JBTX
Mon Aug 21, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: CFP vs MBA with focus in finance/management during career transition
Replies: 21
Views: 3325

Re: CFP vs MBA with focus in finance/management during career transition

I am considering enrollment in an online CFP-based course of study with the goal of transitioning from my current career into one where I can eventually work for myself and help people directly, possibly in finance. One of my biggest pet peeves is watching consumers make ill-informed financial deci...
by JBTX
Mon Aug 21, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: CFP vs MBA with focus in finance/management during career transition
Replies: 21
Views: 3325

Re: CFP vs MBA with focus in finance/management during career transition

An MBA would be used in the corporate world. CFP for personal financial planning. Completely different animals. I have an MBA. I work in corporate world. Given I like personal finance I contemplated pursuing CFP later in life but after talking to people came to the conclusion that to succeed you rea...
by JBTX
Mon Aug 21, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Remodel humor: roof quote
Replies: 6
Views: 2099

Re: Remodel humor: roof quote

For 60k the entire thing should couple as a solar panel also!

I just paid about 14k. Luckily insurance paid most of it.
by JBTX
Mon Aug 21, 2017 5:25 pm
Forum: Personal Investments
Topic: Vanguard Wellington Returns [equity vs bond]
Replies: 9
Views: 1971

Re: Vanguard Wellington Returns [equity vs bond]

I doubt you can get that exact information. Im not really sure why one would want it. You could probably look at Morningstar and get a good idea of the composition of its bond portfolio and estimate its return. It is a very low fee active fund so chances are they have low turnover. What they have no...
by JBTX
Mon Aug 21, 2017 4:18 pm
Forum: Personal Investments
Topic: 401 k invest or not.
Replies: 6
Views: 799

Re: 401 k invest or not.

My new job has a 15% match on the first $6000 which is very generous. The fund is being handled through John Hancock and administrated by a local company. All the investments that I can see are mutual funds, no ETF’s. All the funds are sub funds of the parent mutual fund. For example, American fund...
by JBTX
Sun Aug 20, 2017 5:32 pm
Forum: Personal Investments
Topic: Where to park emergency fund to beat inflation?
Replies: 25
Views: 4928

Re: Where to park emergency fund to beat inflation?

Unless inflation goes sky high the small loss to inflation by using in a high yield savings account is peanuts compared to the big picture of the future needs for this money, not going into debt for school, and future earnings. You could put it in ibonds which will guarantee keeping up with inflati...
by JBTX
Sun Aug 20, 2017 5:29 pm
Forum: Personal Investments
Topic: Where to park emergency fund to beat inflation?
Replies: 25
Views: 4928

Re: Where to park emergency fund to beat inflation?

You can look into ibonds at treasurydirect.gov. They keep pace with inflation and if you use the money for college they interest is tax free. The downside is you have to leave the money in for a year before you take it out. Also some have said the site is a bit of a pain to deal with. https://www.tr...
by JBTX
Sun Aug 20, 2017 2:04 pm
Forum: Personal Investments
Topic: Dollar cost averaging on withdrawals?
Replies: 16
Views: 2286

Re: Dollar cost averaging on withdrawals?

I guess it depends on what you are trying to accomplish. A Maximize returns? B Balance the variability / distribution of outcomes but still take some risk C Minimize the risk of losing money from its current value D Optimize returns given your risk tolerance and investing time frame. If you want to ...
by JBTX
Sun Aug 20, 2017 12:44 pm
Forum: Personal Investments
Topic: Good time to invest in gold?
Replies: 18
Views: 3129

Re: Good time to invest in gold?

Warren buffet on gold: https://www.google.com/amp/s/www.fool.com/amp/investing/general/2015/09/19/gold-silver-and-warren-buffetts-warning.aspx Today the world's gold stock is about 170,000 metric tons. If all of this gold were melded together, it would form a cube of about 68 feet per side. (Picture...
by JBTX
Sat Aug 19, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 30
Views: 5037

Re: "Structured" Flip Flops, Slides

I usually wear flip flops around the house in the summer. I've known for some time that this isn't the greatest thing for the feet. The problem is that one has to over-grip the bottom of the flip flops to hold them onto the feet. This can cause foot problems over time. The lack of a secured heel (i...
by JBTX
Sat Aug 19, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to refinance low balance mortgage?
Replies: 13
Views: 1406

Re: Any reason to refinance low balance mortgage?

in my experience talking to brokers 50k was the cut off so I think you can refi for 98k without issue. I would look for "no cost" a 10 yr or 15 yr should have a MUCH better rate right now. I would be thinking 3.5% or less maybe as low as 3% for a 10 yr Hm. I know this is extremely local. ...
by JBTX
Sat Aug 19, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Lawn Experts Help! How to get rid of this weed?
Replies: 17
Views: 2796

Re: Lawn Experts Help! How to get rid of this weed?

Ok. Just finished spraying the broadleaf weed killer. I have a ton of that weed in the grass. Give it a week and see if it is wilting I will probably go ahead and do the broadleaf with crab grass next week because I do have a little bit of actual crabgrass. I also do preemergents twice a year. It h...
by JBTX
Sat Aug 19, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Lawn Experts Help! How to get rid of this weed?
Replies: 17
Views: 2796

Re: Lawn Experts Help! How to get rid of this weed?

granpa wrote: Sat Aug 19, 2017 12:19 pm Believe it's purslane. Lots of it in FtWorth area. Supposedly edible and some say they really like it in salads. Google purslane for pics to compare with what you have.
Don't think that is it.
by JBTX
Sat Aug 19, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Lawn Experts Help! How to get rid of this weed?
Replies: 17
Views: 2796

Re: Lawn Experts Help! How to get rid of this weed?

Ok. Just finished spraying the broadleaf weed killer. I have a ton of that weed in the grass. Give it a week and see if it is wilting I will probably go ahead and do the broadleaf with crab grass next week because I do have a little bit of actual crabgrass. I also do preemergents twice a year. It he...
by JBTX
Sat Aug 19, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Lawn Experts Help! How to get rid of this weed?
Replies: 17
Views: 2796

Re: Lawn Experts Help! How to get rid of this weed?

New home owner here and I have been searching the internet to figure out what weed this is and how to get rid of this. Can anyone tell me what this weed is and what is the best way to get rid of it? I know there is another weed that closes it's leaves when touched and bears purplish round flowers. ...
by JBTX
Sat Aug 19, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Credit card with large cash (or cash-equivalent) sign-up bonus
Replies: 25
Views: 3920

Re: Credit card with large cash (or cash-equivalent) sign-up bonus

I just applied for this one. The application phone call took almost 30 minutes. It was "referred"' so I don't know status. However it isn't uncommon for my applications to get referred. They are usually approved within a day. Any ideas why his referral happens? My credit scores are in the...
by JBTX
Sat Aug 19, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Any reason to refinance low balance mortgage?
Replies: 13
Views: 1406

Re: Any reason to refinance low balance mortgage?

in my experience talking to brokers 50k was the cut off so I think you can refi for 98k without issue. I would look for "no cost" a 10 yr or 15 yr should have a MUCH better rate right now. I would be thinking 3.5% or less maybe as low as 3% for a 10 yr It really comes down to fees. In Tx ...
by JBTX
Sat Aug 19, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 26856

Re: Capital One $400 bonus for new checking account

Here is a list of what types of transfers have been reported by end users as qualifying for Direct Deposit: http://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Capital_One_360 What do all those numbers mean? Does that mean a simple bank transfer counts as direct d...
by JBTX
Sat Aug 19, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Credit card with large cash (or cash-equivalent) sign-up bonus
Replies: 25
Views: 3920

Re: Credit card with large cash (or cash-equivalent) sign-up bonus

Merill+ Visa card. Do a google search for 50k point sign-up bonus (takes a 10 min phone call rather than an online app). You get 50,000 points after spending $3k in 3 months. With the existing 1% rewards, you get 53k points which can be converted into $530 cash, $583 cash if you deposit into a BoA ...
by JBTX
Sat Aug 19, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Credit card bonus award rules
Replies: 12
Views: 2212

Re: Credit card bonus award rules

Thanks for the info. In my case I'll only open one or two cards for rewards in a year. I looked at the link. Wouldn't the amount churning they are talking about really ding your credit? You would think so, but it actually doesn't. I have 13 cards, almost all of which were opened in the last two yea...
by JBTX
Sat Aug 19, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 15274

Re: Is $9000 too much for a sectional sofa ?

Maybe it's just me but I see similarities between hiring a decorator and hiring an edward jones financial adviser. For that matter, I see similarities between hiring a painter and hiring an Edward Jones financial advisor. I'd say it's more about what you're comfortable doing yourself. Bogleheads-st...
by JBTX
Sat Aug 19, 2017 12:09 am
Forum: Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 22010

Re: Lost $7000 today in ONE DAY!

whodidntante wrote: Fri Aug 18, 2017 11:39 pm
abuss368 wrote: Fri Aug 18, 2017 10:39 pm As Warren Buffett noted during the financial crisis "things are on sale".
I don't hear him saying that right now.
Apparently GE is not on sale.
by JBTX
Sat Aug 19, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: Decline All Parts of Medicare, Continue Contributing to my HSA?
Replies: 11
Views: 1933

Re: Decline All Parts of Medicare, Continue Contributing to my HSA?

Not a dumb question! 1. HSA isn't subject to RMDs, so contributing to it would be a handy way, in tandem with Roth conversions, to shuffle a portion of my tax-deferred accounts into a vehicle that will allow me to withdraw on my timeline. 2. Family history of Alzheimer's. I want to build my HSA war...
by JBTX
Fri Aug 18, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 18110

Re: Is it worth it? [demanding jobs vs time with family]

I have read the OP and several comments and skimmed thru the rest. True story... In 1998 my wife and I were both working high stress jobs, hers more so than mine, but my income was 2x hers. With 2 sons we were spending a ton on nanny, meals out, and other "quality of life" events. She was...