Search found 1248 matches

by GoldenFinch
Mon Aug 21, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Irrational Despair?
Replies: 39
Views: 5179

Re: Irrational Despair?

NOISE (Bogleheads are supposed to ignore it).
by GoldenFinch
Mon Aug 21, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11117

Re: I own no international stocks. Can you guess why?

It is officially tomorrow! :D So the answer is......
by GoldenFinch
Mon Aug 21, 2017 5:42 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11117

Re: I own no international stocks. Can you guess why?

My guesses: Because you have enough? You've won the game? You made a decision, put it in your IPS and are staying the course? You think US stocks have plenty of international exposure? Mr. Bogle says you don't need it? You personally think you don't need it? A two fund portfolio is simpler than a th...
by GoldenFinch
Sat Aug 19, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2869
Views: 843414

Re: What Movie Have You Recently Watched?

Logan's Lucky. A clever heist movie. Oddly humorous. I really liked it.
by GoldenFinch
Thu Aug 17, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 997073

Re: U.S. stocks in freefall

No big pullbacks, just a slow steady rise that looks more like a bank CD. Just pull up a 5 year S&P chart on Google Finance and you'll see what I mean. What this all means? Beats me... It means that ETFs/indexing are having an affect on the market. This is what a never look just invest market looks...
by GoldenFinch
Thu Aug 17, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 997073

Re: U.S. stocks in freefall

I wouldn't want a market dip at any time, even in the accumulation phase. If the market drops 10% it means the estimation of its value and future potential has gone down 10%. It's not "yay I'm buying potatoes and they're on sale" it's "oh I'm buying potatoes and they're on sale because of spoilage....
by GoldenFinch
Thu Aug 17, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 997073

Re: U.S. stocks in freefall

I just checked and one of my monthly automatic buys is set to buy today - nice timing. http://1.bp.blogspot.com/-JNnY0dh1z4o/VWLguNqgimI/AAAAAAAAFV0/XhI7So1Uzrs/s320/falling_knife.gif I understand the whole market timing piece and that is not what I'm doing - it is just nice when your autobuy occur...
by GoldenFinch
Wed Aug 16, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4182

Re: Anyone have a personal chef?

I think they average 30 to 40 dollars an hour plus ingredients. Very expensive. Probably cheaper to eat out.
by GoldenFinch
Sun Aug 13, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7895

Re: Are we house poor? [Property Tax Madness]

The "upside" to having your property tax reduced is twofold: a) you pay less, and b) when you try to sell your house, potential buyers will see that it has relatively reasonable property taxes. I don't think there is a downside.
by GoldenFinch
Sun Aug 13, 2017 11:30 am
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2650

Re: Please consider setting a time limit of 15 minutes to edit a post

I edited a post months later after I realized that I had given a piece of identifying information that I didn't feel comfortable putting on the internet. If what I had shared was still there, I would feel anxious about it since this is a financial forum and I've written things about money that I'm h...
by GoldenFinch
Sat Aug 12, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6547

Re: How does personal wealth affect job hunting?

Not needing to work for money, but instead for mental stimulation and or the social benefits of work, can lead to being very particular. Your evaluation of every aspect of the job revolves around how it will affect your non-monetary quality of life, so you may get extra choosy. Being choosy may make...
by GoldenFinch
Fri Aug 11, 2017 5:19 am
Forum: Investing - Theory, News & General
Topic: "5 Steps to Take in Jittery Markets"
Replies: 20
Views: 2584

Re: "5 Steps to Take in Jittery Markets"

willthrill81 wrote:I think that the first one should be to stop checking your balances.
:sharebeer
by GoldenFinch
Thu Aug 10, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 997073

Re: U.S. stocks in freefall

Please keep this thread going. It's my favorite. I am having surgery tomorrow at noon, feeling stressed, yet just reading this thread made me laugh so hard tears were streaming out. Thanks Bogleheads! In addition to great financial sense, Bogleheads have a great sense of humor. dh Good luck to you ...
by GoldenFinch
Tue Aug 08, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4126

Re: Deja Vu.. are there too many houses for sale?

Where I live houses are not selling at all. They are just sitting there.

For reference I'm in a mid-ring, upper scale suburb in the rust belt with high taxes.
by GoldenFinch
Sun Aug 06, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding between retirement and general savings in my 20s
Replies: 28
Views: 2812

Re: Deciding between retirement and general savings in my 20s

I am happily 50. My best memories of my 20s have nothing to do with money and I think I spent all I had. I tell my older kids (early 20s, late teens) to save (at minimum) a fixed percent of their money for the distant future. I tell them they will thank me later. I then tell them that what they actu...
by GoldenFinch
Sun Aug 06, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 1664

Re: Fence Boundary Issue

Thanks for confirming what in some way I suspected I had to do. Lesson learned indeed. I guess in some way we're just as annoyed to ourselves. I am typically a cautious person and tend to overthink anything. I did check the plat map and it said 10-feet from the side of the house to the end of our y...
by GoldenFinch
Thu Aug 03, 2017 6:22 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2766

Re: Wells Fargo - what the kittens?

I am surprised that Wells Fargo is still in business. I think a lot of people either don't pay attention to what is going on, or they think it's too difficult to move their money.
by GoldenFinch
Thu Aug 03, 2017 5:22 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21223

Re: A poll: How much money do you need to retire?

My number is $4 million in 2017 dollars, $5 million if retiring before 50. I wouldn't say this is how much I "need"- I could do with much less- but how much I would need to continue my lifestyle infidelity with no concessions and minimal risk of running out of money. I am currently 32. Alfaspider, ...
by GoldenFinch
Sun Jul 30, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31811

Re: John Bogle Has Been Right About Investing In International Stocks

Wow, nine pages! :shock:

I'm just going to go with the "nobody knows" adage and not change anything....
by GoldenFinch
Thu Jul 27, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 210
Views: 22862

Re: 2017 hedge fund contest

^^^^^Yes, thank you Tanelorn for all you do! It looks like a lot of work. I really like reading all the research insights you write about the stocks in people's funds.

:sharebeer
by GoldenFinch
Wed Jul 26, 2017 5:11 am
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 6815

Re: Post Nuptial agreement guaranteeing alimony?

You really need to consult an attorney with your husband so you are both on board with what you are proposing.
by GoldenFinch
Mon Jul 24, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8020

Re: Investing Education and Mansplaining

Forgive me if someone else said this already but "Dad-splaining" may be the actual problem. I steered my then 18 year old son (I'm Mom) toward proper money management by giving him an incentive to read The Richest Man in Babylon and the Boglehead Wiki. I showed him the Bankrate Simple Savi...
by GoldenFinch
Thu Jul 20, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3890

Re: Investing well for Retirement can be frustrating

I grew up in an ultra-frugal family that could have lived much better. I decided I wanted nice things! I worked hard to become well educated, married someone who was overly hard working, spent money on dumb stuff and ended up with a decent nest egg. Now I could buy a vacation home or an uber fancy c...
by GoldenFinch
Thu Jul 20, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 210
Views: 22862

Re: 2017 hedge fund contest

Tanelorn, please sell my position in SRPT as of closing price today 7/20. Commonwealth of Buckaroo Dough Holdings has bounced in and out of the top ten and wants to stay there this time. I'm risking that it might tank by the end of the day, but this is a very risky hedge fund causing share holders a...
by GoldenFinch
Wed Jul 19, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5449

Re: When to stop being "concerned"

When I was a kid (I was born in the mid-sixties, so I was mostly a kid in the seventies) there was probably much to be concerned about, but I didn't care about anything and miraculously life marched forward. Now when I worry about EVERYTHING I try to remember what my childhood was like and relax a ...
by GoldenFinch
Wed Jul 19, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 251077

Re: What are you up YTD? [Year To Date]

At an all time high portfolio-wise.

Waiting for volatility (because that's what I'm used to).

Wishing I would stop paying attention.
by GoldenFinch
Wed Jul 19, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5449

Re: When to stop being "concerned"

When I was a kid (I was born in the mid-sixties, so I was mostly a kid in the seventies) there was probably much to be concerned about, but I didn't care about anything and miraculously life marched forward. Now when I worry about EVERYTHING I try to remember what my childhood was like and relax a l...
by GoldenFinch
Wed Jul 19, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 45
Views: 3554

Re: Is Amex Platinum worth the high fees?

The only US merchants I find not accepting AMEX, besides Costco, are small merchants/restaurants using traditional payment processors. The ones that use iPad/tablet type POS setups with Square or a similar vendor all take it, and it seems to me like that's where small merchants are heading. We use ...
by GoldenFinch
Wed Jul 19, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Dutch Elm Disease looming, maybe. Should I fight it?
Replies: 15
Views: 1575

Re: Dutch Elm Disease looming, maybe. Should I fight it?

Unless you it is a very isolated elm tree, I doubt that this is Dutch Elm disease. It first came to our area in the 1960's and rarely do you see any elm tree survive to that size unless it is very isolated, i.e. in a rural location with no trees around. Not all areas of the country have been affect...
by GoldenFinch
Wed Jul 19, 2017 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Maintaining Boglehead Outlier Edge Despite Affects of Group Trends
Replies: 7
Views: 932

Re: Maintaining Boglehead Outlier Edge Despite Affects of Group Trends

I think you are over thinking things (I understand because I over think). Even as Vanguard becomes more popular our consumerist impulsive spending populist will not all suddenly become ubersavers. The key is that you have enough. Comparing yourself to others, especially hypothetical future others, i...
by GoldenFinch
Mon Jul 17, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Dutch Elm Disease looming, maybe. Should I fight it?
Replies: 15
Views: 1575

Re: Dutch Elm Disease looming, maybe. Should I fight it?

Where I live many Elm trees have avoided Dutch Elm with treatment although some have not. If you go the treatment route, you may still want to plant another shade tree nearby just in case it doesn't work out. Good luck with your efforts.
by GoldenFinch
Sun Jul 16, 2017 5:29 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13850

Re: Anyone else gotten totally bored with investing?

Not bored with investing. Bored with betting. BH is the wild west of betting. Everything is actually about beating the market or avoiding market risk or feeling that a portfolio is right/wrong. Even the four fund portfolio is modified to attempt to dictate returns and risk rather than setting it at...
by GoldenFinch
Sat Jul 15, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17843

Re: How are folks handling the unprecedented rise in the market ?

I'm glad I stayed in the market after 2008-2009. I really felt like we had saved for years and it was all for nothing. Now I see the big picture and understand what I'm doing so I'm handling this run up just fine.
by GoldenFinch
Sat Jul 15, 2017 6:06 am
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 105
Views: 6083

Re: What advice to give 21 year old?

- Your human capital so far exceeds your investment assets that a bond position would be decimal dust. My advice to your son is the same as it is to ANY young investor... Don't worry about investing. It really doesn't matter. What does matter is SAVING. That means get the highest paid job you can i...
by GoldenFinch
Thu Jul 13, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6856

Re: Personal loan to a family member

Do you know your siblings credit score? It might be worth asking. If it's money you can afford to lose, the situation is different than if it's money you will definitely need. It is nice of you to want to help a sibling and smart that you're researching the potential pitfalls.
by GoldenFinch
Wed Jul 12, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2316

Re: Outside Pittsburgh short trip ideas

sport wrote:
Daryl wrote:
saltycaper wrote:If all else fails, Cleveland is just over 2 hours away. :P

The mistake on the lake!

I beg your pardon.


Cleveland has actually turned the corner and is on the upswing. Indians are doing pretty well too if you like baseball. It is a bit of a drive from Pittsburgh though.
by GoldenFinch
Sun Jul 09, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13850

Re: Anyone else gotten totally bored with investing?

You've graduated from bored to completely disinterested when you quit checking in on Bogleheads. (No one reading this has done that yet by the way. LOL!) Maybe .. but there are probably more posts on books, movies, cars and sandwiches than there are on investing. Part VI of the book thread is appro...
by GoldenFinch
Sat Jul 08, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13850

Re: Anyone else gotten totally bored with investing?

You've graduated from bored to completely disinterested when you quit checking in on Bogleheads.

(No one reading this has done that yet by the way. LOL!)
by GoldenFinch
Sat Jul 08, 2017 5:06 am
Forum: Personal Finance (Not Investing)
Topic: How are you a leader in personal finance?
Replies: 29
Views: 3264

Re: How are you a leader in personal finance?

I am a leader because I have steered my two older children (late teens, early 20s) toward Boglehead personal finance principles and they are saving and have Roth IRAs. I try to lead by example. My third child just started his first teenage job and is blowing his money left and right as soon as he ge...
by GoldenFinch
Fri Jul 07, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10243

Re: Last 80 minutes of my career

Congratulations on a new beginning! I wish you well.:sharebeer
by GoldenFinch
Fri Jul 07, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 997073

Re: U.S. stocks in freefall

The market has been going up for sooooo long. I think a real free fall might feel bad (even though it will be a buying opportunity). I'm sure this thread will help me through... while I cry...and buy. I wonder what kind of dip will really hurt and that does worry me. S&P 500 is up what, ~30% fr...
by GoldenFinch
Thu Jul 06, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 5625

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Every once in awhile I ask my husband, "How much money do you think we have?" He'll guess some wrong number and I'll tell him the real number. He's good at making money and bad at paying attention to it. My plan is to write the passwords on paper, but I haven't done it yet. Probably will g...
by GoldenFinch
Thu Jul 06, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 997073

Re: U.S. stocks in freefall

The market has been going up for sooooo long. I think a real free fall might feel bad (even though it will be a buying opportunity). I'm sure this thread will help me through... while I cry...and buy.
by GoldenFinch
Thu Jul 06, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 3227

Re: What is a "sleeve"?

Financial jargon sure does leave a lot to the imagination.

Maybe a sleeve is all you have left after you lose your shirt.
by GoldenFinch
Thu Jul 06, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Would I be bound to lose money if I bought a EU bond fund?
Replies: 16
Views: 1013

Re: Would I be bound to loose money if I bought a EU bond fund?

Welcome to the forum! I just want to point out that I think you mean "lose" money in your title and not "loose" money. If so, you can edit it for clarity. :happy
by GoldenFinch
Sun Jul 02, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?
Replies: 50
Views: 5134

Re: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?

Are we really debating why the S&P dropped .35% in the last ten minutes on a Friday before a holiday weekend? Am I missing something? (Slightly confused smiley face emoji.). I've enjoyed the conversation here, but is this really a mystery or concern? Or am I over interpreting something?
by GoldenFinch
Sat Jul 01, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?
Replies: 50
Views: 5134

Re: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?

itstoomuch wrote:^Boomers who made it thru the Great Recession b1950 (67 FRA)- 1955(62 first SS claim age) may well be thinking of retirement now rather than later to fix their retirement funds near all-time Market highs. July 1 is a pretty date IMO.


Very true!
by GoldenFinch
Sat Jul 01, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?
Replies: 50
Views: 5134

Re: What may have led to the US stock sell-off on 6-30-17 at 3:50-4:00 p.m.?

End of quarter. End of week Extra Extra Long weekend 4th of July Low energy prices Extended bull market Unsettled national politics More Boomers retiring. Unsettled International politics High employment, Low interest rates. Lots of reasons that no longer really concern me. I vote for mass Boomer r...
by GoldenFinch
Sat Jul 01, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 251077

Re: What are you up YTD? [Year To Date]

Using the above formula 7.14%

Currently 70/30.
by GoldenFinch
Thu Jun 29, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 7563

Re: Time in the market is more important, But seriously ?

There are peaks and valleys, peaks and valleys, peaks and valleys, but if you look at a long term chart of the S&P 500 the general direction is upward. Every previous all time high was, in hindsight, a buying opportunity.