14-May-2018 ... Comments62 · The Simple Path to Wealth | JL Collins | Talks at Google · Jack Bogle on Index Funds, Vanguard, and Investing Advice · The JLColli...2. It’s a wild ride along the way. 3. There is a Big, Ugly Event. Let’s talk about the good news first. We’ll tackle points 2 & 3 next time. To understand why the market always goes up we need to look a bit more closely at what the Market actually is. The chart above represents the DJIA (Dow Jones Industrial Average).Aug 23, 2018 · Part 2 of the Stock Series discussion with JL Collins, author of The Simple Path to Wealth and the website JLCollinsNH; we discuss the Great Depression and t... May 16, 2012 · Over the 40 years from January 1975 to January 2015 the market averaged an annual return of ~11.9% with dividends reinvested (~8.68% if you spent your dividends along the way)*. At that rate just $12,000 invested in the S&P 500 stocks in 1975 would be worth over a cool million ($1,077,485) in 2015 (when this post was written). Stocks — Part XVI: Index Funds Are Really Just for Lazy People, Right? by JL Collins 97 Comments - Updated: October 23, 2023. Ah, no. Index investing is for people who want the best possible results. Over the last decade or so some of my investing ideas have drawn comment on other blogs and forums. Lately, I’ve noticed that even …First, 1-2% annually is a HUGE drag on the growth of your wealth. Let’s say your portfolio earns 8% per year. 2% goes to the fee. Let’s say 3% to inflation and maybe 3% to taxes and…. Suddenly there’s nothing left for you. Investment returns are precious and under this model your advisor is skimming the absolute cream.This path would allow them to easily get a job in a high-demand area, earning a starting salary of $60,000-$80,000 in less than 6 months from getting started. There is no need to learn to code, no tech background is required, and there is definitely no reason to go to college for an expensive degree.Hi r/Bogleheads. I am JL Collins, author of https://jlcollinsnh.com and three personal finance books: The Simple Path to Wealth, How I Lost Money in Real Estate Before it was Fashionable, and my new book out this week Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—And How to Join Them.. My blog is …Readers noticed that the plan called for only one investment: VTSAX — Vanguard Total Stock Market Index Fund. Here’s why: 1. VTSAX is an Index Fund at Vanguard and that means rock bottom costs . It is surprisingly critical to keep costs low to succeed in investing. 2. VTSAX provides broad diversification .For over sixteen years America’s Test Kitchen has approached cooking through a methodic, scientific lens, explaining how to execute a recipe to perfection. In a crowded landscape o...Based on the “ 4% Rule “ and your projected $70k annual spending rate, you are already comfortably well into Financial Independence (FI). At 4% that spending rate requires only $1.750 million and your net worth is around $2.6 million. You have earned the financial right to do whatever you please.Apr 29, 2012 · Stock Market 1900 – 2012. There, in 1929, is the Big Ugly Event. The Mother of all Stock Market Crashes and the beginning of the Great Depression. Over a two-year period stocks plunged from 391 to 41, losing 90% of their value along the way. Should you have been unlucky enough to have invested at the peak, your portfolio wouldn’t have fully ... First, 1-2% annually is a HUGE drag on the growth of your wealth. Let’s say your portfolio earns 8% per year. 2% goes to the fee. Let’s say 3% to inflation and maybe 3% to taxes and…. Suddenly there’s nothing left for you. Investment returns are precious and under this model your advisor is skimming the absolute cream.I love J.L. Collins' site (jlcollinsnh.com). I like his book too. It's pretty much the same kind of content, only more edited - less snarky, a bit less controversial. I'm surprised "Why your house is a terrible investment" wasn't discussed, actually. I did appreciate his perspectives on the wealth-conservation stage though.One becomes a humble monk, the other a rich and powerful minister to the king. Years later they meet. As they catch up, the minister (in his fine robes) takes pity on the thin, shabby monk. Seeking to help, he says: “You know, if you could learn to cater to the king you wouldn’t have to live on rice and beans.”. To which the monk replies ...F-You Money: John Goodman v. jlcollinsnh February (2) Q&A - V: The Women of Amphissa; jlcollinsnh gets a new suit January (3) Chautauqua 2015 Reviews, 2016 registration open; Case Study #15: The Scavenger Life -- …Among her statements, she said, "I do believe that she was assaulted. I don't know by whom, and I'm not certain when." Before the vote on whether to send Brett Kavanaugh to the US ...Aug 23, 2018 · Part 2 of the Stock Series discussion with JL Collins, author of The Simple Path to Wealth and the website JLCollinsNH; we discuss the Great Depression and t... JLCollinsnh.com Enters New Era 2021 (14) December (1) Season's Greetings!! November (2) The new book is out! Are bonds done? October (1) Guess what I just finally read for …Buildings in Ecuador don’t have heat or AC. Neither are needed. $1128 HOA (home owner’s association) fees @ $94 per month. $124 real estate taxes per year. No, I didn’t omit any zeros. –$6922 total annual cost of owning and operating the condo. v. $9600 annual rent @ $800 per month =. — $2678 annual premium to rent.1. Investing, done well, is the soul of simplicity. 2. Anyone who tells you differently is selling you something. 3. Investing is playing the long game: Think decades. 4. Once you understand a few key things, the less you think about it the better your results. 5.Our guest on the podcast today is author and blogger JL Collins. He blogs about financial independence and other matters at jlcollinsnh.com. JL’s first book, The Simple Path to Wealth: Your Road ...According to the Collins Thesaurus, the most likely antonym for “freedom” is “slavery.” However, because the word “freedom” has a complex and nuanced meaning, concepts like “depend...Sep 7, 2012 · To understand the difference, let’s look at how other investment companies (most companies in fact) are structured. Basically, there are two options: 1. They can be owned privately, as in a family business. Fidelity Investments is an example. 2. They can be publicly traded and owned by shareholders. T. First, 1-2% annually is a HUGE drag on the growth of your wealth. Let’s say your portfolio earns 8% per year. 2% goes to the fee. Let’s say 3% to inflation and maybe 3% to taxes and…. Suddenly there’s nothing left for you. Investment returns are precious and under this model your advisor is skimming the absolute cream.Mail clerk, ground man for a tree crew, landscaper, ad agency founder, account executive, ad space salesman, investment officer, entrepreneur, consultant, sales trainer, speaker, writer, radio talk show …http://www.madfientist.com - In this session of The Mad Fientist Financial Independence Podcast, I had the pleasure of speaking with Jim Collins from http://...Of course, no one really knew that was the peak, or the bottom at the time. Warren Buffett “lost” 25 billion dollars. “Lost” is in quotes because he didn’t panic and sell. So, when the market recovered and marched on up to new heights, as it always does, so did his fortune. So did the fortunes of all who stayed the course.The Simple Path to Wealth: Your road map to financial independence and a rich, free life: Collins, J L, Mustache, Mr. Money: 9781533667922: Amazon.com: Books. Books. ›.Joshua F Collins has an address of 7 Portwalk Pl Unit 1323, Portsmouth, NH. They have also lived in Brunswick, ME and Freeport, ME. Joshua is related to Livy Bridges Cunningham and Sage N Collins as well as 3 additional people. Phone numbers for Joshua include: (909) 336-1708.If you do want to duplicate the total stock market index as held in VTSAX, here’s the formula…. ~81% Large cap (an S&P 500 fund) ~6% Mid cap. ~13% Small cap. Be sure you use low-cost index funds. This usually comes up when a 401 (k)-type plan offers an S&P 500 fund but not a total stock market fund.I’ve even provided a guest post with an investment strategy that avoids stocks altogether for those who simply never want to deal with Mr. Bear: Sleeping …JLCollinsNH by Jim L. Collins. Jim L. Collins’ financial independence blog, titled jlcollinsnh, focuses on a simple path to wealth. Best known for his Stock Series on investing — at times called “the best thing you [could] read about how to invest money” by Mr. 1500 — the blog also discusses anything and everything from money, life ...Mar 20, 2016 · Narrated in rotating chapters by his wife and four daughters. Compelling tale very well told. Amazing as the style and tone shifts between her narrators. True story of a Mexican fisherman blown out into the Pacific Ocean and his survival as he drifts across for, well, 438 days. Reads like the great adventure it is. Apr 22, 2020 · However, the facts are similar for all European countries (even if there isn’t a Vanguard office in your country). Vanguard has recently (autumn 2019) cut fees (TER; Total Expense Ratio) for most of these funds. The TER for VWRL, for example, was lowered from 0.25% to 0.22%. Obviously, we’re investing in a European currency here. The Insider Trading Activity of Collins Allan on Markets Insider. Indices Commodities Currencies StocksLifehacker is the ultimate authority on optimizing every aspect of your life. Do everything better.Over the 40 years from January 1975 to January 2015 the market averaged an annual return of ~11.9% with dividends reinvested (~8.68% if you spent your dividends along the way)*. At that rate just $12,000 invested in the S&P 500 stocks in 1975 would be worth over a cool million ($1,077,485) in 2015 (when this post was written).JLCollinsnh.com Enters New Era 2021 (14) December (1) Season's Greetings!! November (2) The new book is out! Are bonds done? October (1) Guess what I just finally read for …Mar 2, 2023 · But like the stock market, “investing” in a home isn’t a question of timing. In this post, JL highlights why buying a house is one of the worst investments a person can make. And if you’re still on the fence, check out Brett’s comment in Addendum #9 about mortgages as an investment tool, rising interest rates, and returns. Aug 25, 2014 · At 4% your withdrawals equal $40,000. Your $750,000 in VTSAX earns ~2% dividend, or $15,000. Your $250,000 in VBTLX earns ~3% interest, or $7,500. That totals $22,500 and if that’s all you need, you’re done. But if you want the full $40,000, the remaining $17,500 you’d withdraw from your taxable account. Mr. Franklin makes a killing in silver mining in the old West. Mr. Franklin takes his fortune to England where his ancestors came from. Mr. Franklin enters high society. Oh, and Mr. Franklin was also a member of the Hole-in-the-Wall gang. Kinda like a more interesting version of Downton Abbey. Bad monkeys are Sapiens that need killing, and Jane ... Dec 27, 2011 · Jlcollinsnh, I love your stock series…thank you! I went on Vanguards site (view chart) & compared 3 charts. The Total Stock Market, The S & P 500 & High Dividend Yield Index Fund. All 3 charts are within hairs of each other. All 3 funds are different from each other. The Total Stock market has 3600 companies, The Apr 12, 2016 · Here are five of the biggest reasons why that’s true. 1. Other financial priorities are more important. In an ideal world you would have plenty of money to help your child pursue whatever opportunities she wanted. In other words, having the money to pay for college (or anything else) is preferable to not having it. Dec 13, 2021 - If you are wondering whether to dive in, give a couple posts a quick read. You’ll capture the blog’s essence. If after reading those The Stock Series is appealing, you will very likely enjoy it all. If by the same token your reaction is, “This doesn’t feel right for me,” it very likely isn’t. Stock Series:...Praise for The Simple Path to Wealth. “Let’s face it: Most investment books are boring. Dull. Uninspired. This book brings managing your money to life. JL Collins offers a one-two punch: a simple, effective message told in a visual, funny style. If you think ‘investing is boring’ or ‘investing is hard,’ read this.Irwin Motors has been a staple in the Laconia, NH community for decades. This family-owned dealership has built a solid reputation for providing exceptional service and high-qualit...First, 1-2% annually is a HUGE drag on the growth of your wealth. Let’s say your portfolio earns 8% per year. 2% goes to the fee. Let’s say 3% to inflation and maybe 3% to taxes and…. Suddenly there’s nothing left for you. Investment returns are precious and under this model your advisor is skimming the absolute cream.Basically, these are like an IRA for your medical bills and, as we’ll see, the way they’ve been constructed creates some very interesting opportunities. With an HSA, as of 2014, you can set aside up to $3300 for an individual and $6550 for a family each year. Like an IRA, you can fund this account with pre-tax money.In addition the Betterment fee adds: .35% for accounts under 10k. .25% for accounts between 10-100k. .15% for accounts over 100k. So at the high end you have about .50% in fees and at the low end about .30%. In exchange Betterment keeps your asset allocation on target and to your personal specs in real time.Suzanne Collins explained in an interview with School Library Journal that she was inspired to write “The Hunger Games” while channel surfing between reality TV and actual war cove...Here to talk about the philosophy behind his investment strategy is one of ChooseFI’s most requested guests, JL Collins, author of The Simple Path to Wealth, and popular blog series, The Stock Series. The influence of JL Collins cannot be overstated. The content he produced changed the trajectory of Brad’s life and made him feel comfortable ...Of course, cryptos rely on our energy grids and internet remaining intact and stable. So if you are expecting a civilization melt-down, gold in hand might be your better choice. Then again, if you expect a disaster that has you fleeing across borders — Crypto for the win! Depends on the disaster you are expecting, I guess.May 27, 2014 · So if you are happy with an 8% return the NET PRESENT VALUE of $1,000 in 12.5 years ( rule of 72 ) is $2000 today. But $500 today will grow to $1,000, but it won’t be worth $1,000 either due to inflation or you valuing $1.00 today 8% more than a $1.00 one year from now. jlcollinsnh says. May 27, 2014 at 2:25 pm. Jun 18, 2016 · Praise for The Simple Path to Wealth. “Let’s face it: Most investment books are boring. Dull. Uninspired. This book brings managing your money to life. JL Collins offers a one-two punch: a simple, effective message told in a visual, funny style. If you think ‘investing is boring’ or ‘investing is hard,’ read this. This is a return on investment of 302.51%, or 6.29% per year. This lump-sum investment beats inflation during this period for an inflation-adjusted return of about 132.81% cumulatively, or 3.77% per year. Mmmm. Not so great. But not bad given the decade’s multiple stock crashes — 2000-01, 2008-09, 2020 and this year’s bear market.Apr 29, 2012 · Stock Market 1900 – 2012. There, in 1929, is the Big Ugly Event. The Mother of all Stock Market Crashes and the beginning of the Great Depression. Over a two-year period stocks plunged from 391 to 41, losing 90% of their value along the way. Should you have been unlucky enough to have invested at the peak, your portfolio wouldn’t have fully ... The first of these resources is a series of 34 (and counting) posts found at JL Collins’ blog jlcollinsnh.com, categorized as the “Stock Series”. Start Here First While I’m trying to help you sort through the vast amounts of information on investing by providing specific, focused and valuable resources, I’m finding myself a bit ...These days, I'm a book author and financial blogger on jlcollinsnh.com, but it wasn't always so. I started selling flyswatters door-to-door and picking up empty pop bottles from the side of the road for the 2-cent deposit. Gimme a break. I was eight. My first real job was scrubbing out big metal ice cream cans. I was 13. It paid $1.25 per hour.Portland. 15. 39. .278. 23.5. L6. View the profile of Utah Jazz Power Forward John Collins on ESPN. Get the latest news, live stats and game highlights.New technology could take some of the pain -- and subjectivity -- for those looking to invest in this emerging line of treatments....CMPS At the time of publication, Timothy Collin...These days, I'm a book author and financial blogger on jlcollinsnh.com, but it wasn't always so. I started selling flyswatters door-to-door and picking up empty pop bottles from the side of the road for the 2-cent deposit. Gimme a break. I was eight. My first real job was scrubbing out big metal ice cream cans. I was 13. It paid $1.25 per hour.32 things to know about following…. The Simple Path to Wealth (besides that it is not outdated) 1. Investing, done well, is the soul of simplicity. 2. Anyone who tells you differently is selling you something. 3. Investing is playing the long game: Think decades. 4. Once you understand a few key things, the….I love J.L. Collins' site (jlcollinsnh.com). I like his book too. It's pretty much the same kind of content, only more edited - less snarky, a bit less controversial. I'm surprised "Why your house is a terrible investment" wasn't discussed, actually. I did appreciate his perspectives on the wealth-conservation stage though.Over the 40 years from January 1975 to January 2015 the market averaged an annual return of ~11.9% with dividends reinvested (~8.68% if you spent your dividends along the way)*. At that rate just $12,000 invested in the S&P 500 stocks in 1975 would be worth over a cool million ($1,077,485) in 2015 (when this post was written).This series has been read by millions on his blog (jlcollinsnh.com), spawned the international sensation The Simple Path to Wealth, and was presented in part at JL's Talks at Google. Collins, known for his clear and approachable style, breaks down complex financial concepts into understandable segments, making it accessible for both novice …He blogs about financial independence and other matters at jlcollinsnh.com. JL’s first book, The Simple Path to Wealth: Your Road Map to Financial Independence …The fact that we actually prefer the simpler, cheaper model pays off here too. First, and most obviously, a less expensive car loses fewer dollars for a given rate of depreciation than a more expensive one. If after five years a $26,000 car has lost half its value, you are out $13,000.Why I moved from VMMXX to VBTLX. Basically for a lower cost and a higher yield. VMMXX has an ER (expense ratio) of .16% and a current yield of 1.25%. VBTLX’s ER is .05% and its yield is 1.90%. On the other hand, VMMXX is a money market fund (think cash) and its share price is fixed at $1.00.The Broke Millionaire: Finance Legend JL Collins Discusses Pathfinders (and a LOT more) The Sloth Investor: Interview with JL Collins. Peak Mind: The KEY to Financial Freedom – The Godfather of FIRE. Goals on FIRE–Ukraine: JL Collins on Investing, Pathfinders and Staying the Course with Life’s Values. 21-Jun-2016 ... http://www.madfientist.com Today on the Financial Independence Podcast, my buddy JL Collins from jlcollinsnh.com joins me for his second ...Jun 6, 2018 · JL collins from jlcollinsnh joins Jonathan & Brad on the podcast to bring the jlcollinsnh Stock Series to life. The Power of Index Investing is one of life's... Why I moved from VMMXX to VBTLX. Basically for a lower cost and a higher yield. VMMXX has an ER (expense ratio) of .16% and a current yield of 1.25%. VBTLX’s ER is .05% and its yield is 1.90%. On the other hand, VMMXX is a money market fund (think cash) and its share price is fixed at $1.00.. Website: jlcollinsnh.com Book: The Simple Path to Wealth: Your roBy: JL Collins. Narrated by: JL Collins, Peter Adeney. Length: 6 JLCollinsNH – The Importance of F-You Money. Jim accumulated enough money to retire over 20 years ago but rather than pack it in and call it quits, he instead used his “F-You” money to work on his terms. If you are interested in investing in the markets, this is the podcast episode for you. a new police detective living in a rough neighborhood with family o Jun 7, 2012 · First, 1-2% annually is a HUGE drag on the growth of your wealth. Let’s say your portfolio earns 8% per year. 2% goes to the fee. Let’s say 3% to inflation and maybe 3% to taxes and…. Suddenly there’s nothing left for you. Investment returns are precious and under this model your advisor is skimming the absolute cream. Dec 27, 2011 · Jlcollinsnh, I love your stock series…thank you! I w...
Continue Reading