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Re: Why not 100% Stocks?

Problem is your house doesn't generate income and can't be partially sold. Add to that everyone needs to live somewhere whether it is your house, an apartment or your parents basement. Home equity is more prepaid rent than an investable asset. The only function mine has in my investment plan is to ...
by StarbuxInvestor
Mon Oct 20, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 269
Views: 19209

Re: DOW Watchers Stomach Syndrome

The entire loss in the DOW today is because of IBM and its heavy weighting (bad quarter). If you are going to watch an index I suggest the S&P 500 which will probably have a much greater correlation to your index funds than the DOW.
by StarbuxInvestor
Mon Oct 20, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 14
Views: 865

Re: Why not 100% Stocks?

Problem is your house doesn't generate income Sure it does, just because you pay it to yourself doesn't change that. You could always rent it out and get a rental yourself. I really don't think the interest, taxes or upkeep are paying yourself. You could rent it out but then it isn't your home it i...
by StarbuxInvestor
Sun Oct 19, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 269
Views: 19209

Re: Why not 100% Stocks?

And I've noted that some of the posts trying to be witty as if counting kitchen utensils in the asset allocation is the problem haven't actually said if they own a house. If I had a house, I would have counted it in my bloated definition (I also forgot to include potential inheritance 20 years down...
by StarbuxInvestor
Sun Oct 19, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 269
Views: 19209

Re: Why not 100% Stocks?

And I've noted that some of the posts trying to be witty as if counting kitchen utensils in the asset allocation is the problem haven't actually said if they own a house. If I had a house, I would have counted it in my bloated definition (I also forgot to include potential inheritance 20 years down...
by StarbuxInvestor
Sun Oct 19, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 269
Views: 19209

Re: Anyone cancelling travel plans?

We are booked for a cruise Nov. 29 and frankly, we are wondering if its a good idea to be on a cruise ship with the current epidemic scare. We realize its a tiny probability, but still....being in a closed ship with several thousand strangers not knowing if there is a lurking contagion. Are we bein...
by StarbuxInvestor
Sun Oct 19, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 97
Views: 4434

Re: POLL: How fulfilling is your retirement?

ResearchMed wrote:Can this be changed to allow more than one response?

RM


You can now choose up to 4 options.
by StarbuxInvestor
Sun Oct 19, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 24
Views: 1666

Re: POLL: How fulfilling is your retirement?

I'm 3 years into retirement. I like it a lot but must admit it was challenging in the first year. I have a passion--tennis-- and let most days come to me. One of the best parts is complete freedom and not having to follow a routine. I would say "I am living life on my terms". šŸ‘ Reading yo...
by StarbuxInvestor
Sun Oct 19, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 24
Views: 1666

POLL: How fulfilling is your retirement?

With everyone here laser focused on retirement in one way or another I thought finding out how it is from those actually in retirement would be useful.
by StarbuxInvestor
Sun Oct 19, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 24
Views: 1666

Re: "I've had it" at work - how often

I get tired of the time demands of my job regularly but that has more to do with me being overcommitted in my life. That said I am financially in the best gig of my life and I work with a lot of very smart people. The environment can border on chaos but that is why they picked me. I get more tired o...
by StarbuxInvestor
Sat Oct 18, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 115
Views: 8201

Re: Why do people use age instead of life expectancy?

Age is based in reality while life expectancy is a fictitious construct. That said it does make more sense to view things from a years remaining perspective, we actual do this when we estimate the length of retirement. Although it would be depressing as hell watching my stock allocation act as a doo...
by StarbuxInvestor
Sat Oct 18, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 42
Views: 2579

Re: Feeling very fortunate today!

Remember last summer or spring when Starbux started a thread about having won the game and being worried about losing half, or something along those lines? Now, he's lucky to get to add more stocks??? Starbux, I think you really need to set the course of, if you won the game stop playing. Or as men...
by StarbuxInvestor
Fri Oct 17, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Siren song of increased stock allocation

Where to start, where to start. You could start by ordering decaf for your next cup :beer It's gonna be over-roasted like everything else in your hangout of choice, but it should help with the creation of new portfolios . Your first post had it right -- if you want to be brave, be brave. Discoverin...
by StarbuxInvestor
Thu Oct 16, 2014 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2850

Re: Siren song of increased stock allocation

I have been counting on this correction. Now I'm confused. In another post http://www.bogleheads.org/forum/viewtopic.php?f=1&t=148964&newpost=2227469 you comment that the recent decline has lead you to change your decision to retire in December (I use the term decision somewhat tongue in ch...
by StarbuxInvestor
Thu Oct 16, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2850

Re: investing in bear market

oldzey wrote:Agreed - to the Oracle you listen:

ā€œWhether socks or stocks, I like buying quality merchandise when it is marked down.ā€


Yet some will say it is just a blip to be ignored not an opportunity to be profited from which to me makes no sense if you believe stocks present superior long term value.
by StarbuxInvestor
Thu Oct 16, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2233

Re: Feeling very fortunate today!

Well I appreciate everyone applying their diagnostic abilities to what to me seems like an infinitely logical decision. I must say at first I was taken aback by all the negativity and to be honest not at all flattered by the picture I was seeing painted. But I was probably oversensitive feeling I ha...
by StarbuxInvestor
Wed Oct 15, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Feeling very fortunate today!

A confirmed case of OMY syndrome. Changing your retirement plans b/c the market has "pulled back" to 1860? What if it goes back up to 2000? What if over the course of the next year it continues to drop? Will you work 2 more years? 3 more? Oh, that's easy. If it goes back up to 2000, he'll...
by StarbuxInvestor
Wed Oct 15, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Feeling very fortunate today!

A confirmed case of OMY syndrome. Changing your retirement plans b/c the market has "pulled back" to 1860? What if it goes back up to 2000? What if over the course of the next year it continues to drop? Will you work 2 more years? 3 more? Being in my mid-50s and having a really good job I...
by StarbuxInvestor
Wed Oct 15, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Feeling very fortunate today!

I feel very fortunate. I was looking at retiring as early as Dec. 1. In preparation for that I had set up accounts with 3 years expenses to ride out tough markets. Now with the correction/pullback I think I will work another year and funnel any new savings in 100% stocks. I feel very fortunate at t...
by StarbuxInvestor
Wed Oct 15, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Feeling very fortunate today!

I feel very fortunate. I was looking at retiring as early as Dec. 1. In preparation for that I had set up accounts with 3 years expenses to ride out tough markets. Now with the correction/pullback I think I will work another year and funnel any new savings in 100% stocks. I feel very fortunate at t...
by StarbuxInvestor
Wed Oct 15, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Feeling very fortunate today!

A confirmed case of OMY syndrome. Changing your retirement plans b/c the market has "pulled back" to 1860? What if it goes back up to 2000? What if over the course of the next year it continues to drop? Will you work 2 more years? 3 more? Being in my mid-50s and having a really good job I...
by StarbuxInvestor
Wed Oct 15, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Feeling very fortunate today!

A confirmed case of OMY syndrome. Changing your retirement plans b/c the market has "pulled back" to 1860? What if it goes back up to 2000? What if over the course of the next year it continues to drop? Will you work 2 more years? 3 more? Being in my mid-50s and having a really good job I...
by StarbuxInvestor
Wed Oct 15, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Feeling very fortunate today!

Yes, you are very fortunate to get to work another year! :confused Definitely, considering that the health of the market in the first 5 years of retirement is so crucial to your long term success rate. Plus getting to add to my savings at discount prices I can't wipe the smile off my face. I am ext...
by StarbuxInvestor
Wed Oct 15, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Feeling very fortunate today!

I feel very fortunate. I was looking at retiring as early as Dec. 1. In preparation for that I had set up accounts with 3 years expenses to ride out tough markets. Now with the correction/pullback I think I will work another year and funnel any new savings in 100% stocks. I feel very fortunate at th...
by StarbuxInvestor
Wed Oct 15, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 39
Views: 4391

Re: Siren song of increased stock allocation

When the S&P500 hit 1,600 people were saying the market was overvalued, when it hit 1,700 more people were saying it was overvalued, 1,800 more, 1,900 more, and 2,000 even more... Today the market is at 1,877 and all of a sudden people are talking like there's some big bargain...this is complet...
by StarbuxInvestor
Wed Oct 15, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2850

Re: Siren song of increased stock allocation

Dandy wrote:Wasn't the siren song that lured sailors onto the rocks? Did you not anticipate there would be "corrections" like this? Don't be greedy and stick to rebalancing.


I have been counting on this correction. The siren song I don't hear is the one calling me to a 2.2% 10 year.
by StarbuxInvestor
Tue Oct 14, 2014 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2850

Re: Siren song of increased stock allocation

leonard wrote:What happened when the siren song was heeded?

Your answer is already right there in your analogy.


I know. I am just a confessed bond hater who really has issues owning them with the 10 yr at 2.2%. Not necessarily smart but my reality.
by StarbuxInvestor
Tue Oct 14, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2850

Re: Siren song of increased stock allocation

Tigermoose wrote:Nope. My stock allocations are down about 1% and bonds up about 1%, but I don't rebalance until January according to my IPS.


From January of last year?
by StarbuxInvestor
Tue Oct 14, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2850

Siren song of increased stock allocation

With the market pullback I am getting the very unBogleheaed idea of moving all the money in my Total Bond fund into my Wellington fund. Anyone else hearing the siren song of increased stock allocation?
by StarbuxInvestor
Tue Oct 14, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2850

Re: When must I fund my solo 401k?

Am I correct in understanding that I can fund my 2014 solo 401k in the early part of 2015 (as I do with my Roth), so long as the solo 401k is opened in 2014? Thank you My understanding is the employee part must be funded during the calendar year but the employer match by April 15 the next year or w...
by StarbuxInvestor
Tue Oct 14, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: When must I fund my solo 401k?
Replies: 11
Views: 534

Re: When must I fund my solo 401k?

Am I correct in understanding that I can fund my 2014 solo 401k in the early part of 2015 (as I do with my Roth), so long as the solo 401k is opened in 2014? Thank you My understanding is the employee part must be funded during the calendar year but the employer match by April 15 the next year or w...
by StarbuxInvestor
Tue Oct 14, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: When must I fund my solo 401k?
Replies: 11
Views: 534

Re: Gold: Is now the time?

Obviously this would be a long term type of play Good to see you recognise that gold is a long term play. http://images.investorshub.advfn.com/images/uploads/2014/9/11/vhmuegold_gbp_1265.png Currently gold at Ā£766 looks to be middle-high of its longer term sideways trading range. A lot of people wo...
by StarbuxInvestor
Mon Oct 13, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2287

Re: Gold: Is now the time?

I'm guessing the only thing worse than timing the stock market is timing gold. But I could be wrong.... Most definitely unless you have the proper pespective on what the asset is held for and how long the cycles can be. Personally I am not a gold bug but I have spent some time studying it to try to...
by StarbuxInvestor
Mon Oct 13, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2287

Re: Gold: Is now the time?

With commodities down and the dollar strong would now be the time for those so inclined to add Gold to their portfolios? Or should people wait for more damage? Obviously this would be a long term type of play. You need to be able to answer "why are you adding gold and why is it a good value at...
by StarbuxInvestor
Mon Oct 13, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2287

Re: Gold: Is now the time?

With commodities down and the dollar strong would now be the time for those so inclined to add Gold to their portfolios? Or should people wait for more damage? Obviously this would be a long term type of play. You need to be able to answer "why are you adding gold and why is it a good value at...
by StarbuxInvestor
Mon Oct 13, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2287

Re: Gold: Is now the time?

Peanuts: Is now the time? With ferret futures down and the average elephant weight up, would now be the time for those so inclined to add peanuts to their portfolios? Or should people wait for a double inverted flip pattern on the elephant byproduct chart? Obviously, this would be a heavy type of p...
by StarbuxInvestor
Mon Oct 13, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2287

Gold: Is now the time?

With commodities down and the dollar strong would now be the time for those so inclined to add Gold to their portfolios? Or should people wait for more damage? Obviously this would be a long term type of play.
by StarbuxInvestor
Mon Oct 13, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2287

New hardwood floor

The carpet in our master really needs replacing. We have nail down hardwood in about half the house and I am thinking it would be good in the master too. Anybody have a guess as to how long it would take to have a wood floor put in and stained. Also we have a door that goes from the bedroom to the p...
by StarbuxInvestor
Sun Oct 05, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 1496

Re: investing during market drop

Michael_Fisher1 wrote:So since we are in a correction now and stocks are cheap wheres a good place to put some $? I have an S&P index fund...would it be a good idea to buy some more now?


We are not close to correction terrotory yet.
by StarbuxInvestor
Thu Oct 02, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: investing during market drop
Replies: 15
Views: 1152

Re: Fidelity Offers A Round-Trip to Europe for New Account

You left out the most important part.

Earn up to 50,000 American Airlines AAdvantage miles when you open and fund a nonretirement brokerage account or add new money to an existing one.
by StarbuxInvestor
Wed Oct 01, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3060

Re: What SWR/expense multiple to use for early retirement pl

I think this poll will be very useful in weighing the advice I receive here. So far participants seem to definitely favor the very conservative approach.
by StarbuxInvestor
Wed Oct 01, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3036

Re: Capital loss allowed?

Doesn't everyone sell their car for less than they bought it?
by StarbuxInvestor
Wed Sep 24, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital loss allowed?
Replies: 5
Views: 336

Re: I've made it (almost)

Definitely feeling a lack of pull towards retirement. I took about 9 months off after taking an early retirement package from my previous employer of over 20 years. Had a lot of trouble filling up the time. With the wife continuing to work I would suspect I would be in a similar boat again if I don'...
by StarbuxInvestor
Wed Sep 24, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've made it (almost)
Replies: 9
Views: 2174

Re: I've made it (almost)

I know I have already started to change. Heck, I haven't even ordered a new iPhone yet. First time in quite awhile I didn't get it day one. I think part of the decision will be if I can do m job and have a healthy lifestyle. It definitely hasn't been healthy the past year but been really foucing on ...
by StarbuxInvestor
Tue Sep 23, 2014 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've made it (almost)
Replies: 9
Views: 2174

I've made it (almost)

Wow, my first potential reitement date is only 2 months off (10/28) my how time has flown. The DW has said I can retire whenever I want and that would complete my billing for 2014. Not quite at my number but I think my DW will work another 3-5 years because she really enjoys her work situation (mino...
by StarbuxInvestor
Tue Sep 23, 2014 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've made it (almost)
Replies: 9
Views: 2174

Re: Why I sold my gold, and would sell commodities too

Been watching gold and have been thinking about getting some.
by StarbuxInvestor
Tue Sep 23, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 5178

Re: Blood work for cats

When my semi-feral cat had to get a feline dental cleaning a few months back, the cleaning plus pulling the bad teeth and getting antibiotics ran under $200. I'm not sure why just a cleaning would cost $500-600, even in a more expensive area and even with pre-op labs. I can't recall cleanings going...
by StarbuxInvestor
Mon Sep 22, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2538

Re: Blood work for cats

someone who would take advantage of the love a person has for a pet to fleece them with unnecessary costly tests is despicable. furthermore, animals are animals they need love, but not need blood tests, surgeries etc. I think paying to take care of something you love is valid. For pets who don't ha...
by StarbuxInvestor
Mon Sep 22, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2538

Re: Blood work for cats

When my semi-feral cat had to get a feline dental cleaning a few months back, the cleaning plus pulling the bad teeth and getting antibiotics ran under $200. I'm not sure why just a cleaning would cost $500-600, even in a more expensive area and even with pre-op labs. I can't recall cleanings going...
by StarbuxInvestor
Mon Sep 22, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2538
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