Search found 1184 matches

by GoldenFinch
Wed Jun 21, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 59
Views: 4783

Re: Co-workers advising to buy house RIGHT NOW

If you follow the herd, buy a house.
If you are a contrarian, don't buy a house.
If you are reasonable, consider your need and ability to buy a house and make a thoughtful decision if the right house becomes available.

Good luck! :beer
by GoldenFinch
Tue Jun 20, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 24
Views: 3500

Re: "Waiting for the Market to Crash is a Terrible Strategy"

This thread reminds me of someone I know (mid 30s) who moved his 401k money out of mutual funds into a no interest money market back in August of 2014. Unfortunately, not only did he not get back in yet, he has made 95% of future contributions go into the money market. He's still waiting for the cra...
by GoldenFinch
Mon Jun 19, 2017 6:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 3828

Re: Vanguard risk tolerance survey blunder.

*3!4!/5! wrote:
rkhusky wrote:
*3!4!/5! wrote:Here's a useful link
"Vanguard portfolio allocation models"
https://personal.vanguard.com/us/insigh ... llocations

Which of these has the best risk-adjusted return according to your model?

BYOM. :happy


BYOM = Bring Your Own Metric?
by GoldenFinch
Sat Jun 17, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: The terrible things I have done--I wish to come clean
Replies: 24
Views: 2367

Re: The terrible things I have done--I wish to come clean

You sound comfortable and happy with your actions/decisions so why do you need to confess? These are not crimes. Why feel guilty?
by GoldenFinch
Fri Jun 16, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 93
Views: 8829

Re: Amazon Buys Whole Foods

Does this mean we will order groceries on line and they will show up at the door? That will be true for some, but I, for one, like to select my groceries. I choose the largest bunches of dandelion and dill, greenest of green apples, and cauliflower heads without blemishes. I note what is on sale, a...
by GoldenFinch
Fri Jun 16, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 88
Views: 7061

Re: Anyone else gotten totally bored with investing?

Yes, I'm bored with investing. I think it's because we're on automatic. Also, we've hit new highs for ages and I know that one of three things will happen: the money will go up, down or sideways. :happy I can't really get excited anymore because I realize we've exceeded our goals. For me this means ...
by GoldenFinch
Fri Jun 16, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 93
Views: 8829

Re: Amazon Buys Whole Foods

Does this mean we will order groceries on line and they will show up at the door?
by GoldenFinch
Sat Jun 10, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6659

Re: 100% Stock Portfolio?

I was 100% stocks well into my 50s, but that was before I discovered BH. I now would recommend that everyone holds at least 10% bonds, the risk-adjusted return is better and funds are available for rebalancing when the market has a pull-back. Similar thoughts here, I was 100% stocks until 40s. Glad...
by GoldenFinch
Sat Jun 10, 2017 3:38 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6659

Re: 100% Stocks For A Late Starter?

I think it's a bad idea. At 40 years old 90-10 or 85-15 offers plenty of risk with the option of rebalancing.
by GoldenFinch
Fri Jun 09, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10016

Re: Jim Rogers predicting "crash of a lifetime" this year or next

When we have the "crash of a lifetime" I will be sure to post on the U.S. Stocks in Free Fall thread and be happy I have an asset allocation I can live with. Also, I think I may have already lived through several of those crashes of a lifetime, so I guess I know it turns out okay if one ca...
by GoldenFinch
Thu Jun 08, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 5775

Re: How to deal with a personal finance cynic

I introduced a friend to this site and asked him if he liked what he saw and any feedback that he had. His immediate reaction was that this site does not represent the ground reality of the vast majority. Here people talk about 400-500K of income and 300K 529 accounts and 80K pensions, but for most...
by GoldenFinch
Thu Jun 08, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k Fees
Replies: 30
Views: 978

Re: My 401k Fees

Thank you everybody. So, I currently contribute my 401k up to match, max my Roth and then I put as much as I can into my 401k. What am I gaining by contributing to my 401k instead of my taxable considering the expenses of my 401k are .65% vs .04% for my taxable account. Thank you again! Tax deferre...
by GoldenFinch
Thu Jun 08, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k Fees
Replies: 30
Views: 978

Re: My 401k Fees

For comparison, our company record keeping fee is 1% and then there is a fee of .04% added to the ER of each investment. The investment is Schwab Total Stock Market SWTSX at .03 ER. So total is 1.07%. This is a small plan so this is as good as it will get. Kind of bad, but I think is still better t...
by GoldenFinch
Thu Jun 08, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k Fees
Replies: 30
Views: 978

Re: My 401k Fees

For comparison, our company record keeping fee is 1% and then there is a fee of .04% added to the ER of each investment. The investment is Schwab Total Stock Market SWTSX at .03 ER. So total is 1.07%. This is a small plan so this is as good as it will get. Kind of bad, but I think is still better th...
by GoldenFinch
Thu Jun 08, 2017 4:26 am
Forum: Investing - Theory, News & General
Topic: Bogle at his simple best
Replies: 12
Views: 1828

Re: Bogle at his simple best

So what should you tell friends who have had success investing in individual stocks? I mean someone bought Apple, Amazon and Google and have held them al these years? I would tell them I bought those stocks too, but in a package deal. :happy I would ask what other individual stocks they bought as w...
by GoldenFinch
Wed Jun 07, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6838

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

It takes all kinds. I haven't read The Five Love Languages , but understand that some people express love by giving gifts, and some people feel loved when they receive gifts. Many on this board might join me in feeling that gift giving is a terribly inefficient economic construct and generally a wa...
by GoldenFinch
Sun Jun 04, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8589

Re: Everything keeps going up, this feels too easy?

Lots of comments are that it "feels like XXX ...". or I'm "feeling YYY ...." I don't find "feelings" helpful in making investment decisions. Feelings like fear and greed are not our friends in investing. A well thought out IPS that fits your particular financial situat...
by GoldenFinch
Sat Jun 03, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8589

Re: Everything keeps going up, this feels too easy?

The U.S. stock market advance since the 2009 crash has certainly been robust — but by no means unprecedented (chart below). All equity investors just need to be prepared (financially and emotionally) for the inevitable pullback at some point down the road. https://s14.postimg.org/ewh6oyvi9/Untitled...
by GoldenFinch
Thu Jun 01, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1351
Views: 232928

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

A lot. The number keeps going up. Writing this makes me remember when the number kept going down. I'm going to try to not pay attention.
by GoldenFinch
Tue May 30, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9308

Re: Play Money for Spouse....

I've been married 25 years. We both worked for years, but I backed off when we had our third kid, and then we had a fourth. My husband has a business and will help any client that calls 24/7 (basically I'm saying he works around the clock). He doesn't want to manage the money and quite frankly, alth...
by GoldenFinch
Mon May 29, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: High School Graduation Gifts
Replies: 21
Views: 2022

Re: High School Graduation Gifts

Flora wrote:It's common here to give a card and a check for $20.17.

Next year I'll be writing checks for $20.18.


I like this idea! Thank you.
by GoldenFinch
Mon May 29, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: DON'T pay off your mortgage; instead reduce Sequence of Return Risk
Replies: 206
Views: 15274

Re: DON'T pay off your mortgage; instead reduce Sequence of Return Risk

I was 100% equities when I started investing in the late '90s. Had a mortgage. Lost 50% in 2008-09 reducing net worth to zero. Decided that what I was doing wasn't working. Paid off 240k over three years. Then realized we were capable of saving a lot of money. So started saving like crazy. Googled h...
by GoldenFinch
Sat May 27, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: History: Tulip Fever
Replies: 13
Views: 1992

Re: History: Tulip Fever

Just be prepared that a large correction and/or correction can occur at any time. Hopefully all Bogleheads are prepared because we have asset allocations we can live with in the good times and the bad (also known as buying/rebalancing opportunities). Thank you for recommending the book Extrodinary ...
by GoldenFinch
Wed May 24, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find a dream/hobby/part-time job?
Replies: 13
Views: 2169

Re: How do you find a dream/hobby/part-time job?

This may not be what you are looking for, or able to do, but have you considered starting your own small IT consulting business?
by GoldenFinch
Tue May 23, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 7924

Re: The dot com "do over" bull market?

I think people see a bubble because they look back to 2008-2009 and see the increase from there, but go back to 2002 or 2000 and let me know if the growth of the stock market over a longer period seems unreasonably high. This is a really fantastic point - if you consider the last few years simply p...
by GoldenFinch
Tue May 23, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 34
Views: 3179

Re: Why Invest in Average?

As livesoft aptly noted, average is better than below average. I was getting below average returns for years picking mutual funds myself and listening to financial advisors who didn't have my best interest at heart. I'm very happy with average and even happier that I'm a Boglehead who finally learne...
by GoldenFinch
Mon May 22, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 9332

Re: Net worth is overrated

From a non-comparitive personal standpoint it's nice to see one's net worth change over time from negative to positive and then onward and upward. If one uses net worth to figure out where they stand relative to some reference group (like their same age peers for example) it probably carries less me...
by GoldenFinch
Mon May 22, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2690

Re: What goes in your smoothie?

mak1277 wrote:whole milk
ice cream
chocolate syrup


Now we're talkin!
by GoldenFinch
Sun May 21, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 7794

Re: Milestone and not peeking. . .

epictetus wrote:congratulations!
i always enjoy reading your posts.
you and the balanced index fund are strongly linked in my mind!


+1 Good for you Stemikger! :sharebeer
by GoldenFinch
Sun May 21, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Watching elderly family members burn money
Replies: 17
Views: 2618

Re: Watching elderly family members burn money

This situation is sad and I feel badly for you and your Mom. It's her stuff and she can do what she wants, but if your grandfather wanted to give you something he shouldn't have been stopped because it's his stuff too. Sorry.
by GoldenFinch
Sat May 20, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2690

Re: What goes in your smoothie?

My husband makes the following smoothie: Oatmeal, banana, carrots, strawberries, blueberries, broccoli, peas and spinach. Plus some milk. He has a used Vitamix and loves it. He drinks this for breakfast every day after swimming.

(Just coffee for me thank you.)
by GoldenFinch
Thu May 18, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12929

Re: For those with $500k-$1m in investments...

Ages 50 and 50

50% taxable
50% retirement
by GoldenFinch
Wed May 17, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 761959

Re: What Movie Have You Recently Watched?

joe8d wrote:"Lion".Based on a true story. Very Good.


I liked it to too, but it's a major tear jerker.
by GoldenFinch
Wed May 17, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 914760

Re: U.S. stocks in freefall

sharpjm wrote:
Tamalak wrote:Man. We're starved for an actual freefall. When's the last time the markets dropped even 5%?

Ironically, after hours trading on November 8, 2016.


I seem to remember February 11th 2016 as a decently recent big low. Things have gone up quite a bit since then. :moneybag
by GoldenFinch
Wed May 17, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 914760

Re: U.S. stocks in freefall

I just might invoke Livesoft's Rule* ..... * for those unfamiliar with the rule, Livesoft once declared that you can spend as much on a car as your portfolio goes up OR down on a given day. My husband will be happy to hear that he can finally get a new car today and get out of that minivan with 240...
by GoldenFinch
Wed May 17, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 914760

Re: U.S. stocks in freefall

I just might invoke Livesoft's Rule* ..... * for those unfamiliar with the rule, Livesoft once declared that you can spend as much on a car as your portfolio goes up OR down on a given day. My husband will be happy to hear that he can finally get a new car today and get out of that minivan with 240...
by GoldenFinch
Wed May 17, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 914760

Re: U.S. stocks in freefall

Nobody posted on this thread between March 30th and May 17th! That's a long time!
by GoldenFinch
Fri May 12, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Experiences/vacations - how much do people do
Replies: 24
Views: 2155

Re: Experiences/vacations - how much do people do

Vacations are so personal you really can't gage yours based on other people's. If you love traveling and can comfortably afford it, why stop?

If your wife doesn't value vacations anymore and you do, that's a whole different issue. :wink:
by GoldenFinch
Wed May 10, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 2929

Re: Sunscreen for men in office environment

Nuetragena Healthy Defense. Doesn't smell like anything. 50 SPF. Not a man, but I've used it for years and it's really good.

This sunscreen shows no sign that you're wearing it.
by GoldenFinch
Wed May 10, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 186
Views: 16603

Re: 2017 hedge fund contest

^^^Thank you Tanelorn and LadyGeek for the explanation. I knew there was a DETAILED story behind this dramatic drop and was looking forward to learning something new. :happy
by GoldenFinch
Tue May 09, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 186
Views: 16603

Re: 2017 hedge fund contest

aristotelian wrote:Is it too late to join this? I wouldn't mind playing catch-up.


Too late, but join in first weeks of January 2018. :happy
by GoldenFinch
Tue May 09, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 186
Views: 16603

Re: 2017 hedge fund contest

Tanelorn what happened to your hedge fund? :shock:
by GoldenFinch
Sun May 07, 2017 4:20 am
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 6885

Re: Are indexed funds overblown?

If anything the high fee mutual fund industry is experiencing a little bit of a blow up as a direct result of the spotlight that has been shining on the financial industry and its fees. I think a lot of people are seeing the light and taking action, but it certainly isn't everybody and the pendulum ...
by GoldenFinch
Fri May 05, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3296

Re: Swing Set 2700.00??

Be cool retro and buy the the little metal swing set. I wish I did. They're just as much fun.
by GoldenFinch
Fri May 05, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 242
Views: 39147

Re: I'm Calling an Emerging Markets Bottom

I apologize for resurrecting a "Zombie Thread". But after a search on EM I found this and just read through the whole thread. I am impressed at the timing of OP's EM bottom call. I guess I was very curious if those who rode the wave are hanging tight or already sold to rebalance? EM still...
by GoldenFinch
Fri May 05, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18540

Re: Why save so much for when you're old?

I'm 50 and I'm trying to remember being 24. That seems so long ago now. I was in grad school and didn't really save anything. In retrospect, saving then would have made my 30s easier when we had a bunch of little kids running around and a mortgage and wanted things for our kids and our house. When w...
by GoldenFinch
Fri May 05, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Expense Ratio Reductions
Replies: 2
Views: 442

Re: Updated Vanguard Expense Ratio Reductions

Thank you for the link! We went from an ER of .10 to .09. :D

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