Search found 2652 matches

by Ed 2
Sun May 14, 2023 10:46 am
Forum: Investing - Theory, News & General
Topic: It’s getting ugly out here.
Replies: 11
Views: 2423

Re: It’s getting ugly out here.

Silk McCue wrote: Sun May 14, 2023 10:43 am Please use the pencil icon and carefully read and edit your post for typos resulting in missing words, odd words and broken phrases. I am not the grammar police but the post is difficult to read.

Cheers
Pm me . Grammar police?
by Ed 2
Sun May 14, 2023 10:45 am
Forum: Investing - Theory, News & General
Topic: It’s getting ugly out here.
Replies: 11
Views: 2423

Re: It’s getting ugly out here.

jebmke wrote: Sun May 14, 2023 10:40 am for what purpose? Did you learn anything that affects your decisions going forward?
I wouldn’t surprise if it was coming from Suze Orman or Ric Edelman or some other annuity sailsmen, not from those guy’s . Accusations were not only regarding small cap value tilting , way more than that .
by Ed 2
Sun May 14, 2023 10:37 am
Forum: Investing - Theory, News & General
Topic: It’s getting ugly out here.
Replies: 11
Views: 2423

Re: It’s getting ugly out here.

muffins14 wrote: Sun May 14, 2023 10:36 am What was the point of the show?

Are they for or against SCV? Are they rude to Rick or criticizing his past statements? What does bushing mean?

There are many ongoing threads about SCV now. Most of them are locked because no one can have a nuanced discussion.
Just listen last show to the end
by Ed 2
Sun May 14, 2023 10:33 am
Forum: Investing - Theory, News & General
Topic: It’s getting ugly out here.
Replies: 11
Views: 2423

It’s getting ugly out here.

Just finished listening one of my best in my opinion talking show’s “Talking Real Money “ with Don and Tom. Honestly, a little bit annoying to listening bushings Rick Ferry by Tom Macdonald. I don’t know, man , not nice to accuse Rick this way just because he doesn’t agree regarding small cap value tilting. Makes me to listen less that show.
What do you think?
Nerd fight begins ;)
by Ed 2
Sat May 13, 2023 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Determining Net Worth
Replies: 114
Views: 9169

Re: Determining Net Worth

jebmke wrote: Sat May 13, 2023 8:41 am
Ed 2 wrote: Sat May 13, 2023 8:32 am
Fillmore wrote: Sat May 13, 2023 7:30 am I surely don't calculate for bragging rights lol, I'm sure I'm in the bottom 10% of BH'ers .

First, No one from silent majority of BH accusing you of bragging. Only some who thinks they can by posting useless threads everyday about “ special formulas how to beat the market “ on the forum .
Second, I personally don’t count my equity’s of home, car’s and other staff as my net worth . I don’t consider those as staff that can help me to have extra income . I count my investments and cash minus liability’s.
My rule of thumb has always been, if I can't convert it to food or :beer in a short period of time (e.g. less than a week), I don't count it. :P
Are we related? ;)
by Ed 2
Sat May 13, 2023 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Determining Net Worth
Replies: 114
Views: 9169

Re: Determining Net Worth

Fillmore wrote: Sat May 13, 2023 7:30 am I surely don't calculate for bragging rights lol, I'm sure I'm in the bottom 10% of BH'ers .

First, No one from silent majority of BH accusing you of bragging. Only some who thinks they can by posting useless threads everyday about “ special formulas how to beat the market “ on the forum .
Second, I personally don’t count my equity’s of home, car’s and other staff as my net worth . I don’t consider those as staff that can help me to have extra income . I count my investments and cash minus liability’s.
by Ed 2
Fri May 12, 2023 10:18 am
Forum: Investing - Theory, News & General
Topic: Who should not invest in the market portfolio
Replies: 466
Views: 31497

Re: Who should not invest in the market portfolio

Bogleheads: Whenever I am tempted to move away from my market portfolio, I remember what experts say: What Experts Say About Total Market Index Funds Best wishes. Taylor Jack Bogle's Words of Wisdom: “Don't look for the needle in the haystack. Just buy the haystack!” Thank you Taylor! Thank you for trying hard to remind us- paranoid bogleheads and bringing us to organic common sense , Jack Bogle’s way to invest ! I recommend to all stop watching all this videos and instead go to YouTube and watch over and over again videos with Jack! Sorry, I just don't go along with this way of thinking. Sure I am all for watching John Bogle videos and learning all we can from this great man, I have watched a bunch of them myself. But when we start saying...
by Ed 2
Fri May 12, 2023 10:14 am
Forum: Investing - Theory, News & General
Topic: BRK Dumps billions in stocks, buys Treasuries
Replies: 162
Views: 17996

Re: BRK Dumps billions in stocks, buys Treasuries

Hasn't Buffet always been a market timer? If you going to follow what Warren Buffett does and you think you will over smart the stock market long term by doing this, I have a Lincoln tunnel to sell you. Good luck. You lost me on that one. What does Buffet being a market timer have to do with me? And what’s your point by posting what Buffett done six months ago? Berkshire Hathaway just had their annual conference. The news article is about that. This is the "Investing - Theory, News, and General" section of the site. Got it . This is the “ Investing- Theory, News and general site” and this thread has nothing valuable for long term Index Fund investor who truly invest for the long term, just entertainment purposes only. Thank you f...
by Ed 2
Fri May 12, 2023 9:58 am
Forum: Investing - Theory, News & General
Topic: BRK Dumps billions in stocks, buys Treasuries
Replies: 162
Views: 17996

Re: BRK Dumps billions in stocks, buys Treasuries

watchnerd wrote: Fri May 12, 2023 9:56 am
Ed 2 wrote: Fri May 12, 2023 9:52 am
watchnerd wrote: Sun May 07, 2023 1:01 pm
samsoes wrote: Sun May 07, 2023 12:58 pm Market timing? Shame!
Stay the course.
Hasn't Buffet always been a market timer?
If you going to follow what Warren Buffett does and you think you will over smart the stock market long term by doing this, I have a Lincoln tunnel to sell you.
Good luck.
You lost me on that one.

What does Buffet being a market timer have to do with me?
And what’s your point by posting what Buffett done six months ago?
by Ed 2
Fri May 12, 2023 9:57 am
Forum: Investing - Theory, News & General
Topic: Who should not invest in the market portfolio
Replies: 466
Views: 31497

Re: Who should not invest in the market portfolio

arcticpineapplecorp. wrote: Fri May 12, 2023 7:04 am
Ed 2 wrote: Fri May 12, 2023 1:53 am Anyone who has enough timeframe, understand logic that nothing beats equity’s for the long run should invest in equity’s heavily without even thinking tweaking portfolio, just buy index fund and hold. I found this videos boring and failing passively a sleep after first minutes of watching.

Bogleheads, you just overthinking all this as always. :sharebeer
you call it "overthinking", bogleheads call it "optimizing". :wink:
It’s call just the game of words. I think you got my point.
by Ed 2
Fri May 12, 2023 9:55 am
Forum: Investing - Theory, News & General
Topic: Who should not invest in the market portfolio
Replies: 466
Views: 31497

Re: Who should not invest in the market portfolio

BrooklynInvest wrote: Fri May 12, 2023 8:54 am
Ed 2 wrote: Fri May 12, 2023 1:53 am Anyone who has enough timeframe, understand logic that nothing beats equity’s for the long run should invest in equity’s heavily without even thinking tweaking portfolio, just buy index fund and hold. I found this videos boring and failing passively a sleep after first minutes of watching.

Bogleheads, you just overthinking all this as always. :sharebeer
This. I remain in awe of people that can generate outperformance with ease while professional managers struggle at the best of times. The idea that only "average" investors should buy the market is of course absurd.
Glad to see that someone actually think . :sharebeer
by Ed 2
Fri May 12, 2023 9:52 am
Forum: Investing - Theory, News & General
Topic: BRK Dumps billions in stocks, buys Treasuries
Replies: 162
Views: 17996

Re: BRK Dumps billions in stocks, buys Treasuries

watchnerd wrote: Sun May 07, 2023 1:01 pm
samsoes wrote: Sun May 07, 2023 12:58 pm Market timing? Shame!
Stay the course.
Hasn't Buffet always been a market timer?
If you going to follow what Warren Buffett does and you think you will over smart the stock market long term by doing this, I have a Lincoln tunnel to sell you.
Good luck.
by Ed 2
Fri May 12, 2023 2:05 am
Forum: Investing - Theory, News & General
Topic: Who should not invest in the market portfolio
Replies: 466
Views: 31497

Re: Who should not invest in the market portfolio

Taylor Larimore wrote: Thu May 11, 2023 3:40 pm Bogleheads:

Whenever I am tempted to move away from my market portfolio, I remember what experts say:

What Experts Say About Total Market Index Funds

Best wishes.
Taylor
Jack Bogle's Words of Wisdom: “Don't look for the needle in the haystack. Just buy the haystack!”
Thank you Taylor! Thank you for trying hard to remind us- paranoid bogleheads and bringing us to organic common sense , Jack Bogle’s way to invest !
I recommend to all stop watching all this videos and instead go to YouTube and watch over and over again videos with Jack!
by Ed 2
Fri May 12, 2023 1:53 am
Forum: Investing - Theory, News & General
Topic: Who should not invest in the market portfolio
Replies: 466
Views: 31497

Re: Who should not invest in the market portfolio

Anyone who has enough timeframe, understand logic that nothing beats equity’s for the long run should invest in equity’s heavily without even thinking tweaking portfolio, just buy index fund and hold. I found this videos boring and failing passively a sleep after first minutes of watching.

Bogleheads, you just overthinking all this as always. :sharebeer
by Ed 2
Fri May 12, 2023 1:42 am
Forum: Personal Investments
Topic: Is it time to buy the dip in regional banks?
Replies: 72
Views: 8888

Re: Is it time to buy the dip in regional banks?

PapaB wrote: Thu May 11, 2023 1:15 pm I have watched the stock prices of some regional banks in our area drop to pre-2000 levels. At least some of these banks are well managed and should be able to withstand some panic by depositors. They should be as profitable in the near future as they have been in the recent past. Is this the right time to buy into them? I am a technical guy, not a finance guy, and have only modest understanding of how banks work and how stable and safe they are.
Thank you for valuable feedback, I already have and had all this bank’s in my VTSAX , besides, unknowingly I sold and bought another banks stocks in my Total stock Index even today during my auto contribution for my Roth IRA ! ;)
by Ed 2
Thu May 11, 2023 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Any Free & Comprehensive Video Courses for Personal Finance? (Not Just Investing)
Replies: 27
Views: 1508

Re: Any Free & Comprehensive Video Courses for Personal Finance? (Not Just Investing)

Growing up in different Country with bad economy and hyperinflation for many years , leaving and learning how to survive ,immigrating into World greatest Country with limitless opportunities plus reading bogleheads forum for decades , that’s the ultimate financial lesson in my World!
by Ed 2
Wed May 10, 2023 2:49 pm
Forum: Forum Issues and Administration
Topic: Forum slow today?
Replies: 6
Views: 3418

Re: Forum slow today?

jebmke wrote: Wed May 10, 2023 1:04 pm I am getting a lot of spinning wheels. Not every time.
“ stocks All time low” was removed?
by Ed 2
Mon May 08, 2023 8:30 am
Forum: Personal Consumer Issues
Topic: Auto insurance, full coverage vs liability?
Replies: 23
Views: 2461

Re: Auto insurance, full coverage vs liability?

pizzy wrote: Mon May 08, 2023 7:06 am
Ed 2 wrote: Mon May 08, 2023 5:34 am Money you save - money you keep....
...if everything goes right.
Life is too short to fret for many things. Sometimes after insurance company raise the prices on unreasonable levels like this couple of years and you have old car it would wise to look the other way. I’ve had no extra coverage and had accident , end up with car repaired and doctors bills paid.
by Ed 2
Mon May 08, 2023 5:34 am
Forum: Personal Consumer Issues
Topic: Auto insurance, full coverage vs liability?
Replies: 23
Views: 2461

Re: Auto insurance, full coverage vs liability?

Your 07 f150 with 90k miles is worth more than 5k. Probably more like 10-15k It looks and runs great but in Minnesota nobody wants a rear wheel drive 6 cylinder truck. Might be worth maybe $8k tops. Unbelievably at 62 I’ve never been in an accident, yes I drive cautiously, never in a rush. I’m not sure how this no fault insurance works but my one son totaled 2 cars in accidents that were not his fault and both times we I If you buy insurance for any potential problem in your life you probably end up collecting welfare ;))). If you don’t drive a lot , good safe driver and don’t have too much traffic go ahead , just do liability only, don’t feed insurance company. I understand majority of us bogleheads are always tend to overdo things in man...
by Ed 2
Sat May 06, 2023 1:25 am
Forum: Personal Investments
Topic: Portfolio advice
Replies: 27
Views: 3719

Re: Portfolio advice

you have very high income and very low net worth at age over 40. Agree with other that your bond allocation is too high. Need to work on your risk tolerance and start aggressive savings and investing into equity’s. It’s not too late.
by Ed 2
Tue May 02, 2023 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank and Vanguard
Replies: 17
Views: 2644

Re: First Republic Bank and Vanguard

boater07 wrote: Tue May 02, 2023 12:11 pm After writing my post, I realized that it made no sense. V buys the index and not individual stock
Sorry :oops:
Actually you just made the second nonsense. Vanguard doesn’t buy the index. Vanguard buying stock positions for their index funds.
by Ed 2
Tue May 02, 2023 2:27 pm
Forum: Investing - Theory, News & General
Topic: Munger - Golden Age of Investing is Over
Replies: 154
Views: 18925

Re: Munger - Golden Age of Investing is Over

Waiting for "The Death of Equities" article. Me too. Fun to watch all this billionaires bellyache and predicting future based on past. It’s a stock pickers market! Market is going into death spiral in a couple of months! Sell everything before it’s too late and don’t forget to subscribe to my online courses and buy my books! ;) Well, since you brought up sell everything: Larry Summers – Get out of U.S. Equities https://www.advisorperspectives.com/articles/2023/04/26/larry-summers-get-out-of-u-s-equities If I was following what Larry Summers said and recommended for years my life would be measurable and I would be broke for sure . Ps. In addition, if I was following what active minority on this forum spreading FUD , I would be bro...
by Ed 2
Tue May 02, 2023 5:17 am
Forum: Investing - Theory, News & General
Topic: Munger - Golden Age of Investing is Over
Replies: 154
Views: 18925

Re: Munger - Golden Age of Investing is Over

Waiting for "The Death of Equities" article. Me too. Fun to watch all this billionaires bellyache and predicting future based on past. It’s a stock pickers market! Market is going into death spiral in a couple of months! Sell everything before it’s too late and don’t forget to subscribe to my online courses and buy my books! ;) Well, since you brought up sell everything: Larry Summers – Get out of U.S. Equities https://www.advisorperspectives.com/articles/2023/04/26/larry-summers-get-out-of-u-s-equities If I was following what Larry Summers said and recommended for years my life would be measurable and I would be broke for sure . Ps. In addition, if I was following what active minority on this forum spreading FUD , I would be bro...
by Ed 2
Mon May 01, 2023 8:00 pm
Forum: Investing - Theory, News & General
Topic: SCHD anyone
Replies: 61
Views: 9589

Re: SCHD anyone

adave wrote: Mon May 01, 2023 7:53 pm Long term for sure. I have no need for the money unless there is some unforeseen calamity in my life or family.
So, hold the line . Keep investing , never look back and don’t listen your heart or brain or news.
Good luck . Ed
by Ed 2
Mon May 01, 2023 7:51 pm
Forum: Investing - Theory, News & General
Topic: SCHD anyone
Replies: 61
Views: 9589

Re: SCHD anyone

adave wrote: Mon May 01, 2023 3:00 pm Yes of course total return is what matters, but I can’t help but notice SCHD is actually down YTD…. This is an excellent ETF.
Are you investing for long term or long term for you is a 1 year?
by Ed 2
Mon May 01, 2023 7:43 pm
Forum: Investing - Theory, News & General
Topic: Munger - Golden Age of Investing is Over
Replies: 154
Views: 18925

Re: Munger - Golden Age of Investing is Over

Tom_T wrote: Mon May 01, 2023 8:33 am Waiting for "The Death of Equities" article.
Me too. Fun to watch all this billionaires bellyache and predicting future based on past. It’s a stock pickers market! Market is going into death spiral in a couple of months! Sell everything before it’s too late and don’t forget to subscribe to my online courses and buy my books! ;)
by Ed 2
Mon May 01, 2023 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Rent increase again - What can I do?
Replies: 181
Views: 16077

Re: Rent increase again - What can I do?

Vanguard User wrote: Mon May 01, 2023 7:05 pm
Ed 2 wrote: Mon May 01, 2023 7:03 pm
Vanguard User wrote: Mon May 01, 2023 7:00 pm
Ed 2 wrote: Mon May 01, 2023 6:48 pm
Vanguard User wrote: Mon May 01, 2023 6:42 pm

Who can lower PT?
Lol
?????
Big recession could , but temporarily.
Like 2008-2009.
Something like this . Back then I went to city hall to dispute my property taxes and I’ve got refund. As longer population is growing along with economy nothing can stop growth of property taxes as anything else.
by Ed 2
Mon May 01, 2023 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Rent increase again - What can I do?
Replies: 181
Views: 16077

Re: Rent increase again - What can I do?

Vanguard User wrote: Mon May 01, 2023 7:00 pm
Ed 2 wrote: Mon May 01, 2023 6:48 pm
Vanguard User wrote: Mon May 01, 2023 6:42 pm
Ed 2 wrote: Mon May 01, 2023 6:36 pm
Vanguard User wrote: Mon Apr 24, 2023 10:28 pm

We have protests here about property tax. You mean suck it up buttercup?
That’s what I mean. You got it ! We pay property taxes , you renter’s paying also stealth property taxes. Welcome to economy 101
Who can lower PT?
Lol
?????
Big recession could , but temporarily.
by Ed 2
Mon May 01, 2023 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rent increase again - What can I do?
Replies: 181
Views: 16077

Re: Rent increase again - What can I do?

Vanguard User wrote: Mon May 01, 2023 6:42 pm
Ed 2 wrote: Mon May 01, 2023 6:36 pm
Vanguard User wrote: Mon Apr 24, 2023 10:28 pm
Ed 2 wrote: Mon Apr 24, 2023 5:00 am When renters vote “yes” to pass pet projects during election with property taxes hikes nobody is complaining . Here’s the consequences. Landlord didn’t raise nearly enough costs he occurred. My advice to shop for another rental or suck it up.
We have protests here about property tax. You mean suck it up buttercup?
That’s what I mean. You got it ! We pay property taxes , you renter’s paying also stealth property taxes. Welcome to economy 101
Who can lower PT?
Lol
by Ed 2
Mon May 01, 2023 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Rent increase again - What can I do?
Replies: 181
Views: 16077

Re: Rent increase again - What can I do?

Vanguard User wrote: Mon Apr 24, 2023 10:28 pm
Ed 2 wrote: Mon Apr 24, 2023 5:00 am When renters vote “yes” to pass pet projects during election with property taxes hikes nobody is complaining . Here’s the consequences. Landlord didn’t raise nearly enough costs he occurred. My advice to shop for another rental or suck it up.
We have protests here about property tax. You mean suck it up buttercup?
That’s what I mean. You got it ! We pay property taxes , you renter’s paying also stealth property taxes. Welcome to economy 101
by Ed 2
Mon May 01, 2023 6:25 pm
Forum: Investing - Theory, News & General
Topic: [Debt ceiling discussion mega-thread]
Replies: 1286
Views: 128339

Re: Potential impact of U.S. debt-limit default

Here we go again.
by Ed 2
Mon Apr 24, 2023 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Rent increase again - What can I do?
Replies: 181
Views: 16077

Re: Rent increase again - What can I do?

When renters vote “yes” to pass pet projects during election with property taxes hikes nobody is complaining . Here’s the consequences. Landlord didn’t raise nearly enough costs he occurred. My advice to shop for another rental or suck it up.
by Ed 2
Sat Apr 22, 2023 6:20 pm
Forum: Personal Investments
Topic: Help, I'm burning out - portfolio questions!
Replies: 33
Views: 5905

Re: Help, I'm burning out - portfolio questions!

LTD wrote: Sat Apr 22, 2023 5:10 pm
Ed 2 wrote: Sat Apr 22, 2023 12:45 pm You are 62 with multimillion portfolio and burning out ? If I will be 62 and still working I would be probably a pile ashes. Life has given one’s , make up your mind before you starting falling apart. Hopefully advice of a 8 yonder person didn’t upset you.
Good luck ,Ed
I am very good at taking constructive criticism. If you have any other thoughts, let me know what they are. I just want to make an informed decision not an emotional one. Thank you.
Not intended to criticize, quiet an opposite, hinted sarcastically that you way way overthinking. . I am sorry if you took it wrong way . Just wanted to share my personal prospective.
by Ed 2
Sat Apr 22, 2023 12:45 pm
Forum: Personal Investments
Topic: Help, I'm burning out - portfolio questions!
Replies: 33
Views: 5905

Re: Help, I'm burning out - portfolio questions!

You are 62 with multimillion portfolio and burning out ? If I will be 62 and still working I would be probably a pile ashes. Life has given one’s , make up your mind before you starting falling apart. Hopefully advice of a 8 yonder person didn’t upset you.
Good luck ,Ed
by Ed 2
Fri Apr 21, 2023 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Firing a realtor
Replies: 66
Views: 7934

Re: Firing a realtor

Realtors are not fiduciary. They work for 1099. Many times they work for nothing for a long time. They offer- you decide. This is taught market.
by Ed 2
Fri Apr 14, 2023 5:22 pm
Forum: Investing - Theory, News & General
Topic: Ten Years In Cash, Everything Else in the Market
Replies: 356
Views: 31573

Re: Ten Years In Cash, Everything Else in the Market

Charles Joseph wrote: Fri Apr 14, 2023 4:10 pm Crazy Idea?
Why not 30 year of cash in cash plus 1 years CD .
by Ed 2
Tue Apr 11, 2023 10:32 pm
Forum: Personal Consumer Issues
Topic: Living in 55+ Communities?
Replies: 120
Views: 18612

Re: Living in 55+ Communities?

HomerJ wrote: Tue Apr 11, 2023 9:39 pm
Ed 2 wrote: Tue Apr 11, 2023 8:10 pm
abuss368 wrote: Sun Apr 09, 2023 11:20 am
Ed 2 wrote: Tue Apr 04, 2023 3:39 pm What happened if spouse is 54?
Hi Ed -

Love the curve ball!

Great question.

Tony
Just had eyes popping discovery about 55 retirement boomers community)))
I'm confused what you mean...

Nothing happens if the spouse in 54 or even 44 (or 19 either I would guess). Only one person needs to be 55+ as far as I know (but I guess you should ask)
What if 55 years old spouse dies due some illness or accident ? 54 years old getting kicked out ?
by Ed 2
Tue Apr 11, 2023 8:10 pm
Forum: Personal Consumer Issues
Topic: Living in 55+ Communities?
Replies: 120
Views: 18612

Re: Living in 55+ Communities?

abuss368 wrote: Sun Apr 09, 2023 11:20 am
Ed 2 wrote: Tue Apr 04, 2023 3:39 pm What happened if spouse is 54?
Hi Ed -

Love the curve ball!

Great question.

Tony
Just had eyes popping discovery about 55 retirement boomers community)))
by Ed 2
Tue Apr 11, 2023 8:08 pm
Forum: Personal Consumer Issues
Topic: Do anti-tailgating bumper stickers help?
Replies: 144
Views: 9823

Re: Do anti-tailgating bumper stickers help?

knightrider wrote: Tue Apr 11, 2023 7:58 pm Thinking of getting one or two stickers along these lines:
  • The closer you are the slower I go
  • Smile, you're on YouTube ( even though I don't have a camera )..
Or maybe I can install a "fake" camera in the rear window. I don't want to be bothered with keeping one charged and running..

Really fed up with people riding my tail. No matter what speed I am going it is never fast enough..
How about not driving during rush hour?
by Ed 2
Sat Apr 08, 2023 7:08 pm
Forum: US Chapters
Topic: Ok, which of you did this? [license plate]
Replies: 80
Views: 14145

Re: Ok, which of you did this?

Ultra Radical Boglehead . 8-)
by Ed 2
Tue Apr 04, 2023 3:39 pm
Forum: Personal Consumer Issues
Topic: Living in 55+ Communities?
Replies: 120
Views: 18612

Re: Living in 55+ Communities?

What happened if spouse is 54?
by Ed 2
Sun Apr 02, 2023 1:20 pm
Forum: Personal Investments
Topic: Portfolio Review - 50's
Replies: 30
Views: 4352

Re: Portfolio Review - 50's

You are very heavy in tax deferred accounts. You should contribute much more into tax free accounts Roth IRA’s and taxable accounts. I should not consider paying off mortgage at this low rate.any mortgage under 4% is free money in my opinion. I personally struggle with this too having roughly 50% in tax deferred, 25% in Roth vehicles & 25% in taxable. Like the OP I’m within 5 or so years of stopping work. I struggle with not feeling like I’ll have enough in my 50s during retirement and too much post 60/65. I’m reminded by the experts here of Roth conversions to fund early retirement, ability to withdraw Roth contributions etc. also, importantly, managing (keeping low) your taxable income from dividends/cap gains etc to qualify for ACA/...
by Ed 2
Sun Apr 02, 2023 8:02 am
Forum: Personal Investments
Topic: Are market orders for VTI and VXUS ok?
Replies: 29
Views: 3615

Re: Are market orders for VTI and VXUS ok?

Sometimes I use market order but many times I use limit orders , especially when VIX going crazy and most “ investors “ loosing their brains ))) .
BUT , think this way , do you realize that long term 15-30-40 years this is all meaningless? As longer you keep investing , not trading , not selling . VTI is like aircraft career , it doesn’t matter how you buy this thing , as longer you keep buying and not selling.same thing comes to VXUS.
by Ed 2
Sat Apr 01, 2023 9:22 pm
Forum: Personal Investments
Topic: Pan
Replies: 42
Views: 4787

Re: Investing in VT

Now you’ve got all answers:
1. No, it’s too volatile
2. Why not , lump sum
3. Just dollar cost average and you’ll be ok with it.
4.Just buy IBonds or go 10 year Treasury.

My ten in a half cent’s: if you think 10 year is a long term , you should start reading Jack Bogles books first and stop listening news , period. Also, there’s no right answer for you , even on this forum until you do the homework by yourself first by understanding what long term means and how market volatility doesn’t mean anything when it comes to real long term investing and how market timing and impulse decisions just is not your friends.
Good luck . Ed.
by Ed 2
Sat Apr 01, 2023 9:03 am
Forum: Investing - Theory, News & General
Topic: PBS Frontline: Age of Easy Money (Full Documentary)
Replies: 137
Views: 13154

Re: bogleheads were wrong

That’s why I am rolling my eyes now. Market timing never works . Watching too much PBS and reacting after watching this kind of “documentary’s” will bring you to no man’s land.
Good day.
by Ed 2
Sat Apr 01, 2023 7:19 am
Forum: Personal Investments
Topic: Portfolio Review - 50's
Replies: 30
Views: 4352

Re: Portfolio Review - 50's

You are very heavy in tax deferred accounts. You should contribute much more into tax free accounts Roth IRA’s and taxable accounts.
I should not consider paying off mortgage at this low rate.any mortgage under 4% is free money in my opinion.
by Ed 2
Fri Mar 31, 2023 7:19 pm
Forum: Investing - Theory, News & General
Topic: At what point would you stop investing in stocks altogether?
Replies: 113
Views: 12594

Re: At what point would you stop investing in stocks?

abuss368 wrote: Fri Mar 31, 2023 6:56 am
Ed 2 wrote: Thu Mar 23, 2023 5:10 pm Same, well over a million in VTSAX and half a million in VXUS and other international indexes. To be honest with you , never had any doubts in my investing approach , keep and keep buying all the time .
Good luck , Ed .
Hi Ed -

This is excellent advice.

Bogleheads would be wise to listen.

Best.
Tony
Thank you Tony! I certainly hope so.
by Ed 2
Tue Mar 28, 2023 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which is safer? $250k cash at small online bank or $250k in MM fund at Fidelity?
Replies: 62
Views: 7207

Re: Which is safer? $250k cash at small online bank or $250k in MM fund at Fidelity?

runner540 wrote: Sun Mar 26, 2023 10:44 am
Ed 2 wrote: Sun Mar 26, 2023 4:17 am You already lost by keeping so muck cash in neither of this accounts.
Depends on how long it’s been there. Cash performed way better than stocks or bonds in 2022.
If you buy equity for one year , I have no comment’s.
by Ed 2
Thu Mar 23, 2023 5:10 pm
Forum: Investing - Theory, News & General
Topic: At what point would you stop investing in stocks altogether?
Replies: 113
Views: 12594

Re: At what point would you stop investing in stocks?

Same, well over a million in VTSAX and half a million in VXUS and other international indexes. To be honest with you , never had any doubts in my investing approach , keep and keep buying all the time .
Good luck , Ed .