Search found 279 matches

by jmbkb4
Fri Mar 25, 2011 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Not financing a car - Is it only me?
Replies: 100
Views: 13592

I have a relatively new 750 Li.

paid cash, very happy i did.
by jmbkb4
Fri Mar 25, 2011 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much of a house can I afford?
Replies: 14
Views: 5262

Better question: How much house do you really need? I would bet it is less house than you can afford, so why not buy what you need and pocket the difference. "need" is a very relative term. it implies he should buy a shack. this is bossiness that has no place/basis. OP asked a decent ques...
by jmbkb4
Fri Mar 25, 2011 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

me too....
by jmbkb4
Fri Mar 25, 2011 7:36 pm
Forum: Investing - Theory, News & General
Topic: How Indexers are Exploited by Hedge Funds
Replies: 48
Views: 7512

your rich "friend" is a moron.
by jmbkb4
Fri Mar 25, 2011 7:33 pm
Forum: Investing - Theory, News & General
Topic: Buffett Says Avoid Long-Term Bonds Tied to Eroding Dollar
Replies: 9
Views: 1870

WB is beginning to sound senile.

Often.
by jmbkb4
Fri Mar 25, 2011 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

Ok Dorothy.
by jmbkb4
Fri Mar 25, 2011 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

Oh, so if I pay down principal, then I save $$$ over the long-haul?

Really????

:roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll:
by jmbkb4
Fri Mar 25, 2011 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

Random Musings wrote:Buy me a TV.

Thanks in advance.

RM
sigh. What do you want?

Let me know, and I'll have it shipped to you!

:shock:
by jmbkb4
Fri Mar 25, 2011 3:36 pm
Forum: Personal Consumer Issues
Topic: Grieving [for pet] Poll
Replies: 92
Views: 12958

why is this in the "help with personal investments" forum????

:roll:
by jmbkb4
Fri Mar 25, 2011 3:35 pm
Forum: Personal Investments
Topic: Total/Total/Total?
Replies: 25
Views: 3493

maxinout wrote:Tons of people. Probably one of the more common approaches.

As long as you can reach your desired allocation with just those 3 funds, I don't believe there are any cons.
........not common..........

but common to people in "the know."

;)
by jmbkb4
Fri Mar 25, 2011 3:34 pm
Forum: Personal Investments
Topic: Opened a taxable account at VG/revamped all....did I do ok?
Replies: 16
Views: 1963

P.S. Just be sure to have 4-6 months in cash for emergencies.
by jmbkb4
Fri Mar 25, 2011 3:33 pm
Forum: Personal Investments
Topic: Opened a taxable account at VG/revamped all....did I do ok?
Replies: 16
Views: 1963

I'm almost exactly your age and just recently started to buy the 2045/2050 retirement fund.

I think you're doing brilliantly!
by jmbkb4
Fri Mar 25, 2011 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

You mortgage payment is a large monthly obligation. If you paid any of this money towards it, would it make any difference in the payment amount? Unless your mortgage is adjustable and recalculated periodically it will probably not, although it may change slightly the amount of each subsequent paym...
by jmbkb4
Fri Mar 25, 2011 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

hsv,

Congratulations on your refund being "bigger than mine"? I'll do whatever I want with the money. It doesn't matter.

There is a profound lack of personality on this forum...
by jmbkb4
Fri Mar 25, 2011 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much of a house can I afford?
Replies: 14
Views: 5262

how old are you?
by jmbkb4
Fri Mar 25, 2011 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

Not everyone has money withheld. We pay estimated taxes and depending on how our business does we either overpay or underpay. I think $1500 is reasonable if that is the case. Our over and under swings as much as 20-30K. BearWolf Assuming you are on a calendar year basis, wouldn't you have a rough i...
by jmbkb4
Fri Mar 25, 2011 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

So you are rewarding yourself for having too much money withheld? It's a return of your money that has earned nothing. Put it in your savings. If you must celebrate, take $50 or $100 and go out for a nice dinner. Review your W-4 and adjust if appropriate. Not everyone has money withheld. We pay est...
by jmbkb4
Fri Mar 25, 2011 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

EmergDoc wrote:I used mine to rebuild the emergency fund I blew on Backdoor Roths. I'm embarrassed to admit how much I overpaid by this year.
With the douches on here, I wouldn't admit it either.

Get a life guys.

People don't appreciate our situation, obviously.
by jmbkb4
Thu Mar 24, 2011 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

retcaveman wrote: Review your W-4 and adjust if appropriate.
The thread was meant to be somewhat tongue-in-cheek. As far as my W4, it's not exactly like it was an earth-shattering mistake. We're talking about <<<0.5% of my AGI here.

Chill out guys.

I'll prob just put it into VTSSX.
by jmbkb4
Thu Mar 24, 2011 9:25 pm
Forum: Investing - Theory, News & General
Topic: Help me understand the returns of index funds
Replies: 10
Views: 3019

I've been following FAIRX for years. Right now, it is ridiculously heavy into banks/financial sector. Like 90%.

It's not been doing well this year so far.

As FAIRX gets larger and larger, it will be difficult for it to outpace the market as it has been....

(disclosure: Long FAIRX)
by jmbkb4
Thu Mar 24, 2011 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

dbr wrote:You need to cut your expenditures to make up the lost return on money you loaned to the government at zero interest rate.

PS As stated above the lost return was at the no risk cost of not adding to your mortgage payment at the very least.
:lol: :lol:
by jmbkb4
Thu Mar 24, 2011 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund -- what say you?
Replies: 38
Views: 4370

Tax refund -- what say you?

Well, I just found out that I overpaid about $1,500 for my Fed 2010 taxes. That said, help me decide what I should do with the extra "windfall" money. I have a very, very good job. I have no debt aside from a very large mortgage payment of over $5,000/month. The kids' 529 plans are being m...
by jmbkb4
Thu Mar 24, 2011 5:13 pm
Forum: Personal Consumer Issues
Topic: AT&T to Buy T-Mobile
Replies: 27
Views: 3671

Re: AT&T to Buy T-Mobile

From WSJ: AT&T is buying T-Mobile for $40 billion. AT&T to buy T-Mobile This doesn't bode well for the consumer imo. I was actually considering switching to T-mobile prepaid service for $30/month (I am currently paying $60/month with Verizon), but now I don't think this will be around for m...
by jmbkb4
Thu Mar 24, 2011 5:12 pm
Forum: Personal Consumer Issues
Topic: explain the fascination of Facebook
Replies: 122
Views: 14834

Re: explain the fascination of Facebook

linuxuser wrote:I only created a meaningless Facebook account just for the times I need one to see what are in other people's Facebook accounts.
Exactly!!! You just answered your own question
by jmbkb4
Thu Mar 24, 2011 5:11 pm
Forum: Personal Consumer Issues
Topic: Low carb or low fat
Replies: 127
Views: 18987

Radically new idea:

Eat less (be it carbs or fat) and move around more!
by jmbkb4
Thu Mar 24, 2011 5:10 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 99
Views: 13497

The day I begin paying for the NYT is ....

(insert something ridiculously improbable and crude here)
by jmbkb4
Thu Mar 24, 2011 5:09 pm
Forum: Personal Consumer Issues
Topic: [Japan Fukushima nuclear plant] - are you buying iodine?
Replies: 880
Views: 137742

:roll:
by jmbkb4
Thu Mar 24, 2011 5:08 pm
Forum: Personal Consumer Issues
Topic: To minivan or Not to minivan?
Replies: 46
Views: 7268

(to minivan?)


.................not
by jmbkb4
Thu Mar 24, 2011 5:07 pm
Forum: Investing - Theory, News & General
Topic: Where is Small Hi and Neverknow.
Replies: 127
Views: 17702

:roll:
by jmbkb4
Thu Mar 24, 2011 10:38 am
Forum: Investing - Theory, News & General
Topic: Would you retire outside the US?
Replies: 61
Views: 10192

no

family
by jmbkb4
Wed Mar 23, 2011 3:35 pm
Forum: Personal Investments
Topic: What to do with $80K windfall at a young age?
Replies: 6
Views: 2386

all depends on your age and income potential/earnings/where you are in your education.
by jmbkb4
Wed Mar 23, 2011 3:31 pm
Forum: Personal Investments
Topic: Fairholme's newest fund (Fairholme Focused Fund)
Replies: 6
Views: 1473

My largest holding since 2007-2008 has been FAIRX and I've been very happy. BB will shift sectors widely, and fairly often. So far in 2011 results have been lackluster. But the past 10 years have been very, very, very good. (I know past results do not predict results, and this goes for the S&P a...
by jmbkb4
Wed Mar 23, 2011 3:27 pm
Forum: Personal Investments
Topic: Poll, House part of your retirement plan?
Replies: 27
Views: 3098

no
by jmbkb4
Wed Mar 23, 2011 10:25 am
Forum: Personal Finance (Not Investing)
Topic: What % equity in your home have you reached at age X
Replies: 90
Views: 10265

40% / 30 / $1M
by jmbkb4
Mon Mar 21, 2011 9:17 pm
Forum: Personal Investments
Topic: Investing in gold at a young age a good idea?
Replies: 24
Views: 3541

Scott S wrote:If some of the popular fears don't pan out, then gold will get killed. Not where I'd want to have a lot of money...

- Scott
:lol: :lol:

nice pun
by jmbkb4
Thu Mar 17, 2011 8:59 pm
Forum: Personal Investments
Topic: Sloppy/screwy listings on Scottrade, TDAmeritrade?
Replies: 7
Views: 2127

what are the implications of this? none? None. Other than those implied by sloppiness. I was poking around Scottrade because I was intrigued by your comment that Scottrade offers Signal shares with a $100 minimum. But the $17 transaction fee--levied on both purchases and sales--is pretty discouragi...
by jmbkb4
Thu Mar 17, 2011 8:48 pm
Forum: Personal Investments
Topic: what vanguard international funds do you have ?
Replies: 30
Views: 3966

I'm going to be buying the ER 0.20% Signal shares of Total International soon.

VTSGX
by jmbkb4
Wed Mar 16, 2011 11:58 pm
Forum: Personal Investments
Topic: what vanguard international funds do you have ?
Replies: 30
Views: 3966

That's as broad as it gets.

Great fund!
by jmbkb4
Wed Mar 16, 2011 8:51 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Jr BOGLX
Replies: 29
Views: 4804

by jmbkb4
Wed Mar 16, 2011 10:45 am
Forum: Personal Investments
Topic: The credit bubble's back - start taking profits
Replies: 119
Views: 19483

peter71 wrote:Matt,

Any possibility you're psychologically anchored on S&P 1200 (also the level of the interim low of July 15, 2008)?

http://www.bogleheads.org/forum/viewtopic.php?p=270011

You had to know someone was going to link to it, right? :D

All in good fun,
Pete
ha. ha.
by jmbkb4
Tue Mar 15, 2011 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco (area) housing
Replies: 65
Views: 8521

I think SF has the most expensive housing in the world, certainly the US.

I couldn't stomach the way people live over there in SF.
by jmbkb4
Tue Mar 15, 2011 1:56 pm
Forum: Investing - Theory, News & General
Topic: 2 years after market low, the little guy is back
Replies: 24
Views: 4592

now the little investors are generally selling, apparently.
by jmbkb4
Tue Mar 15, 2011 1:55 pm
Forum: Investing - Theory, News & General
Topic: Panic Selling
Replies: 60
Views: 7156

bought $1,000 of VIGSX today -- thanks for the reminder!
by jmbkb4
Mon Mar 14, 2011 11:03 am
Forum: Personal Investments
Topic: What is YOUR bond/equity ratio compared to your age/horizon?
Replies: 80
Views: 14268

I'm 30. 25 years to retirement.

100 equities.
by jmbkb4
Sun Mar 13, 2011 6:03 pm
Forum: Personal Investments
Topic: Anyone understand the .5% front-end fee on Vanguard's VEIEX?
Replies: 15
Views: 1903

I'd definitely view it as a load.

That's what it is, jargon aside.
by jmbkb4
Sun Mar 13, 2011 6:02 pm
Forum: Personal Investments
Topic: VGPMX performance
Replies: 7
Views: 2023

must have been a bad week for bullion and mining stocks.

volatile asset class.
by jmbkb4
Sun Mar 13, 2011 6:00 pm
Forum: Personal Investments
Topic: I am embarrassed and need a great deal of help
Replies: 62
Views: 9532

With your net worth, a Vanguard adviser would (if not fly to meet you) would certainly speak with you on the phone.

I'd call up Vanguard and have them help you.

I'm sure they'd be more than willing to.
by jmbkb4
Sun Mar 13, 2011 5:41 pm
Forum: Personal Consumer Issues
Topic: Best Plasma TV
Replies: 43
Views: 6282

thanks a lot guys!
by jmbkb4
Sat Mar 12, 2011 10:25 pm
Forum: Personal Consumer Issues
Topic: Best Plasma TV
Replies: 43
Views: 6282

so what's the best panasonic plasma out there now?

i think i'm sold on panasonic over samsung now.
by jmbkb4
Fri Mar 11, 2011 10:10 pm
Forum: Personal Consumer Issues
Topic: Best Plasma TV
Replies: 43
Views: 6282

thanks for the info!