James
  • 32, Male
  • Gaithersburg, MD
  • United States
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James's Friends

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  • Michael J. K.
  • Matt195
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  • Jack Bauer
  • Liam Strain

James's Discussions

Starting a 401(k) in today's market?

Started this discussion. Last reply by terry sperling Nov 11, 2015. 60 Replies

Just looking for some thoughts....Just landed a new job. I'm going on 32, recently bought a house, so not working with a ton of money, and I have $0 retirement savings whatsoever.I want to get…Continue

How to talk to a woman about that thing you never talk to women about?

Started this discussion. Last reply by Sir Sep 30, 2015. 7 Replies

Good Morning All,First, some back story.....I am married for 9 years. I love my wife dearly. We have completely different personalities and philosophies. She's a pain in the ass, but she's MY pain in…Continue

Some job-hunting advice....

Started this discussion. Last reply by Michael D. Denny Jan 8, 2015. 4 Replies

Good Afternoon All,     As usual, seeking some free advice. First, some background. I have 10+ years experience in retail management. When my second son was born, I took a position managing the…Continue

Is it appropriate for me to attend this viewing?

Started this discussion. Last reply by QuackXP Dec 8, 2014. 11 Replies

Good Morning All,On Friday morning, a young man passed away tragically. He grew up down the street from me. I wasn't EXTREMELY close to him, though we had had a good time or two in my younger years,…Continue

 

James's Page

Latest Activity

John Muir replied to James's discussion Starting a 401(k) in today's market?
"Good, because it's down 8.7% today, currently at $308 which is $22 BELOW the OCT 31 price"
Nov 11, 2015
Liam Strain replied to James's discussion Starting a 401(k) in today's market?
"No, please do. "
Nov 11, 2015
John Muir replied to James's discussion Starting a 401(k) in today's market?
"Does this mean I can't keep slamming bitcoin (down 13% yesterday)?"
Nov 11, 2015
Penelope replied to James's discussion Starting a 401(k) in today's market?
"We're repeating ourselves.  That said, Tax advantage is only one factor, along with level of risk, expected returns, etc.  By all means, don't pay more tax than you have to, but don't make tax avoidance a fetish.  There…"
Nov 11, 2015
Penelope replied to James's discussion Starting a 401(k) in today's market?
"Depending on your income, if you have a 401(k) option, none or only some of the $5,500 may be tax-advantaged.  IRAs are tricky if your work offers a 401(k) - and that's your work at any time of the year, so if you're laid off from a…"
Nov 11, 2015
Native Son replied to James's discussion Starting a 401(k) in today's market?
"Gentlemen,  From personal experience, I know at least one of Brian R.'s retirement investment recommendations does not play out as well as he implies. That would be foreign exchange equities, had a small 401k position in those for several…"
Nov 10, 2015
John Muir replied to James's discussion Starting a 401(k) in today's market?
"Speaking of paid shills (or paying shills, or suckers), you don't perchance know or do business with Sergi Mavrodi, do you?"
Nov 10, 2015
John Muir replied to James's discussion Starting a 401(k) in today's market?
"No, you wrote that on Oct 31st, when BTC was @$330USD. On Nov 4 when you wrote this reply it hit $401.  401-330 = $71, which is not quite half of $150. At the moment I type this it's trading at $355          …"
Nov 10, 2015
Jack Bauer replied to James's discussion Starting a 401(k) in today's market?
"Who said only "US Dollar dominated assets"? "Volatility concerns" over BitCoin or the Iraqi Dinar (or whatever other currency speculation nonsense you want to buy into) with either no track record, or a track record of extreme…"
Nov 4, 2015
John Muir replied to James's discussion Starting a 401(k) in today's market?
"This isn't the forum for debates, it's the forum for civilized conversation"
Nov 4, 2015
Jack Bauer replied to James's discussion Starting a 401(k) in today's market?
"Extreme volatility is not a good thing.  No way I'd touch BitCoin. The idea of retirement investment is long-term steady growth.  Predictability.  Track record.  Not jarring momentary fluctuations ... even if this…"
Nov 4, 2015
Keith Brawner replied to James's discussion Starting a 401(k) in today's market?
"Think of it like this: you are getting an 80% return with no risk on this money.  Additionally, you don't have to pay taxes on this return, so its really closer to 115%.  If you can find a better investment, invest in that."
Nov 3, 2015
Carl Monster replied to James's discussion Starting a 401(k) in today's market?
"I see. Same point. Anyone who is actually worried about their nest egg shrinking with the market because they are nearing retirement age needs to make some major asset re-allocation. I have heard people in their late fifties complain, and I think…"
Nov 2, 2015
Native Son replied to James's discussion Starting a 401(k) in today's market?
"The financial market news is geared towards the current fiscal quarter, not the year.  Otherwise, a 401k is planned to accumulate over decades, the market news talks in 24 (or less) hour and three month time frames."
Nov 2, 2015
Native Son replied to James's discussion Starting a 401(k) in today's market?
"Nah. "
Nov 2, 2015
Carl Monster replied to James's discussion Starting a 401(k) in today's market?
"Start ASAP. Give at least the max. Don't give too much as this is money that's not going to be liquid for you for the majority of your lifetime. Shit happens, you'll also need to build up a liquid emergency fund. Only when you have…"
Nov 2, 2015

Profile Information

Website
http://www.capitalplasticsco.com
Interests
Baseball, Football, Music, Politics, Reading
Books
Of Mice and Men, Dracula, Lord of the Rings
Movies
Star Wars, The Shawshank Redemption, Batman, Mystic River, A Few Good Men, Anchorman, The Bourne Saga, James Bond, Training Day, Saving Private Ryan, Braveheart, Superbad
Music
Any and all.....specifically Thrice, AFI, Metallica, Thursday, Alter Bridge, Stevie Ray Vaughn, Eric Clapton, Big Band, Sinatra & other Crooners, Jimmy Eat World, the list goes on....

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Comment Wall (2 comments)

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At 1:03pm on April 29, 2014, Michael J. K. said…

Hi James liked some of your posts so far.   Hope you are doing well and your family too.   I have a 5 month old grand son and  a 5 year old grand daughter.  I am sure you are a great dad.   I am a wonderful grandpa.  You have a great day.

At 10:10am on September 14, 2013, Herb Munson said…

Hey there James, welcome to The Great Debate!

 
 
 

Latest Activity

Salt Dragon replied to Milo Morris's discussion Gay Republicans in the group Out to Build Bridges
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56 minutes ago
Salt Dragon replied to Salt Dragon's discussion Advice re abusive boyfriend of ex
"thanks, good point that rings so true."
1 hour ago
Richard Schwier replied to 2risewhenfallen's discussion Does the universe have powers?
"You're in deep, dude. And it's not all that unusual, I'm guessing.  I don't have a lot to offer beyond "don't quit", but here's the thing:  I do think you can pray or at least centre yourself.…"
2 hours ago
J. D. replied to 2risewhenfallen's discussion Between Revolution and Apathy in the group The Great Debate
"If only political matters were unimportant enough to be ignored, and we could just go about our lives without the actions of the politicians impacting us in any real way.  But, that is a pipe dream.  What politicians and leaders do matters…"
3 hours ago
2risewhenfallen posted a discussion

Does the universe have powers?

The definition of universe of course is open to your interpretation; could be your god, the physical universe, or maybe just your immediate environment/sphere of influence. I'm 27 and nearly 2 years into my career. I'm not happy. In fact I think I'm starting to loose my mind. A windlowless basement, unreliable car, no friends, no relatives around, and no woman isn't helping. I'm in no less financial debt than I was before I took this job. I'm no healthier. I've been called dumb too many times…See More
4 hours ago
2risewhenfallen replied to 2risewhenfallen's discussion Between Revolution and Apathy in the group The Great Debate
"And the title was taken from a lyric from the band If Hope Dies. Hope that's not plagerism. That would suck for me. "
4 hours ago
2risewhenfallen added a discussion to the group The Great Debate
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Between Revolution and Apathy

Any opinions on whether a man should just not give a seconds thought about todays politics?In my opinion, politics are for the privileged, educated people. My mother and father don't have the luxury of politics. And neither do I. When I wake up and come home from work I'm trying to make myself better. That last thing on my mind is poll numbers.Instead of people taking hard-lines on politics can't they just step back and work hard and be good honest people with integrity?An example would be my…See More
4 hours ago
Shane replied to Pale Horse's discussion General Election 2016 in the group The Great Debate
"You should have watched the protest rallies instead."
4 hours ago

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