Search found 102 matches

by Houe
Thu Feb 15, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10139

Re: Did you learn anything from the market correction?

I was surprised by the number of posts/threads on bogleheads that suggested people are either timing or were thinking about timing the market.
by Houe
Fri Feb 09, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

Dow accelerating downward. Off 400+ points. Could this turn into a black Friday?!?
by Houe
Mon Feb 05, 2018 10:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

I logged in to my 401k portfolio to see the damage and saw some good news (maybe). My company posted our profit sharing today which is close to 6% of salary. On the down side I see futures are pointing to another ugly day tomorrow. But I guess posting today is better than a few trading days ago...
by Houe
Mon Feb 05, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 7902

Re: Alan Greenspan says there are bubbles in both stocks and bonds

I think he has dementia. I wouldn't listen to a word this person says. He caused the original case of "irrational exuberance". He's just blowing his own horn for his ego @ 91. Mr. Greenspan is starting to look much smarter these last few days isn't he ????? Perhaps he's not the one with dementia !!...
by Houe
Mon Feb 05, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

It is an absolute blood bath out there guys!
by Houe
Mon Feb 05, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

Doom&Gloom wrote:
Mon Feb 05, 2018 2:46 pm
Accrual wrote:
Mon Feb 05, 2018 2:39 pm
A lot of doubt circling this board. Somewhat troubling.
Some people getting punched in the mouth.
"Everyone has a plan 'till they get punched in the mouth." -Mike Tyson
by Houe
Mon Feb 05, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

A lot of doubt circling this board. Somewhat troubling. Exactly what I was thinking. I see a lot of posts on the board questioning boglehead principles or suggestion action 180 degrees from the advice I've read on bogleheads.org for the past year (fairly new here). Is talking about BH principles an...
by Houe
Mon Feb 05, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15885

Re: Blood in the water- buying?

What constitutes "blood in the water"? This is certainly another ugly day, but does it reach to that level?
by Houe
Mon Feb 05, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 260
Views: 14063

Re: For BHs who actually like cars - [what car do you drive every day?]

2009 Cadillac CTS (direct injection). It has been a nice car. I got it before I was married (or a boglehead) so my next car is probably going to be a civic or something very practical.
by Houe
Mon Feb 05, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

So who is a buyer in this market? It not like bonds are a safe alternative...
by Houe
Sun Feb 04, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 77
Views: 6073

Re: Best Basic DESKTOP?

If you don't need it right now it might be worth waiting until Intel (or AMD) release some CPUs with the security flaws (meltdown and Spectre) fixed - AMD is only affected my Spectre. While there are software fixes - they do degrade the performance of the system somewhat. I'd guess it will be a year...
by Houe
Fri Feb 02, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

Its accelerating downward into the market close. Now -600 for the DOW.
by Houe
Fri Feb 02, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

Its a blood bath out there!

"the time to buy is when there's blood in the streets." - Baron Rothschild
by Houe
Fri Feb 02, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5982

Re: Relearning Calculus

Take a calculus class at a local college. In my opinion you will get a lot more out of it than just going through books on your own. I'm an electrical engineer and decided to take a class on digital signal processing post graduate. I enjoyed it a lot more than my college years. Being able to concent...
by Houe
Wed Jan 31, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 7902

Alan Greenspan says there are bubbles in both stocks and bonds

I've been a little concerned with bonds - more so than stocks. That being said I am putting all new contributions into vanguard balanced fund (60/40 allocation). I then came across this bit: https://www.cnbc.com/2018/01/31/alan-greenspan-says-there-are-bubbles-in-both-stocks-and-bonds.html So the qu...
by Houe
Wed Jan 31, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stop contributing to 401(k) to pay off debt
Replies: 44
Views: 2427

Re: Should I stop contributing to 401(k) to pay off debt

Considering you do not have a company match I'd stop the 401k for a short time. If you had a company match then I'd contribute enough to get the match.
by Houe
Mon Jan 29, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

The sad part of the situation is that bonds don't seem like a safe haven right now either. That being said I am starting to move new contributions to bonds. I recently moved from 90 stocks/10 bonds to 85/15 and will be accelerating towards 80/20 and maybe even 70/30. I feel like I am too aggressive ...
by Houe
Tue Jan 23, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 43
Views: 3618

Re: 50% of my portfolio in FANG - 15% in NVDA

You should sell it all and buy bitcoin. But seriously take some of the advice given here.
by Houe
Mon Jan 22, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Lower tax rates for 7 yrs.-Are you switching to Roth 401K
Replies: 65
Views: 5668

Re: Lower tax rates for 7 yrs.-Are you switching to Roth 401K

If a person has a 12% marginal rate but you aren't able to maximize your tax advantaged space would it be better to contribute what you can to Roth or to contribute a bit more to traditional? Or is this not really an issue?
by Houe
Tue Jan 16, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Is lump sum or dollar cost averaging more in line with boglehead values?
Replies: 22
Views: 1594

Is lump sum or dollar cost averaging more in line with boglehead values?

Most of the recommendations I see here about investing large sums is to just do it as a lump sum. The reason given is that on average the market goes up so the odds favor investing all immediately. While this is true it seems like one is taking higher risk in this scenario. On the other side dollar ...
by Houe
Fri Jan 12, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 23
Views: 1190

Re: 401k options [Which funds to choose?]

To rebalance when needed you can simply exchange between funds inside her rollover IRA. I hope that this helps. If you have any questions just ask. Thanks for looking over my portfolio - much appreciated. That should work for a few years until the rebalance would drop the fund from premium's $10k m...
by Houe
Fri Jan 12, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 23
Views: 1190

Re: 401k options [Which funds to choose?]

Here is the breakdown of where each asset is located: Her Fidelity Rollover IRA (90.6% stocks/9.4% bonds) 4.57%, Fidelity® U.S. Bond Index Fund - Investor Class, FBIDX, 0.14% 43.99%, Fidelity® 500 Index Fund - Premium Class, FUSVX, 0.035% Her Fidelity Roth IRA (100% stocks/0% bonds) 2.49%, Fidelity®...
by Houe
Thu Jan 11, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401k options [Which funds to choose?]
Replies: 23
Views: 1190

Re: 401k options [Which funds to choose?]

An update and a new question.... As of now our portfolio across a number of accounts is: Fidelity® U.S. Bond Index Fund - Investor Class (FBIDX) 4.57% Fidelity® 500 Index Fund - Premium Class (FUSVX) 43.99% Fidelity® 500 Index Fund - Investor Class (FUSEX) 2.49% Fidelity® Total Market Index Fund - P...
by Houe
Wed Jan 10, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

I didn't feel like I understood the foreign markets well enough to invest. No worries, we'll help you work through it. (Consider that you may not need to do anything, it depends on what you have now.) In order to give appropriate advice, it's best to keep all the information in one spot. I just mer...
by Houe
Wed Jan 10, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

Market is worried china will stop buying treasury notes. I'm wondering if I should reconsider my 100% US stocks and add some international. You should’ve reconsidered that awhile ago Why would you limit future gains to 1 country ? I didn't feel like I understood the foreign markets well enough to i...
by Houe
Wed Jan 10, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

Market is worried china will stop buying treasury notes. I'm wondering if I should reconsider my 100% US stocks and add some international.
by Houe
Fri Jan 05, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Buying funds ..minimums
Replies: 8
Views: 551

Re: Buying funds ..minimums

How about buying ETFs?
by Houe
Wed Jan 03, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 8274

Re: Goodbye Capital One 360!!

DaftInvestor wrote:
Wed Jan 03, 2018 10:01 pm
I dumped them years ago - they are always behind others on rates.
Marcus by GS pays 1.4% in their online savings and consistently has better rates and ACH transfers take only a day - check bankrate.com for other options.
I also use Marcus by Goldman Sachs. So far its been good to me.
by Houe
Wed Jan 03, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13081

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Wake up early.
Go to bed early.
Stop eating when you are still hungry.
Stop talking when you still have something to say.
by Houe
Fri Dec 29, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

JoMoney wrote:
Fri Dec 29, 2017 4:08 pm
Houe wrote:
Fri Dec 29, 2017 4:00 pm
Last day of trading for 2017 and stocks are accelerating downward.
I wonder if tax/RMD situations play a role in a 'January Effect' at the end of the year.
Or tax loss harvesting - I doubt Bogleheads lost any money this year but I'm guessing some people lost money...
by Houe
Fri Dec 29, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

Last day of trading for 2017 and stocks are accelerating downward.
by Houe
Wed Dec 27, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3041

Re: Statefarm Auto Insurance goes up every 6 months without reason?

I've notice the same thing with state farm. Doesn't make a lot of sense to me. My cars are getting older and less valuable yet insurance keeps going up. I suppose the replacement cost of the car is small compared to the liability portion but still... I'm pretty sure my time with state farm is coming...
by Houe
Wed Dec 27, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: What computer should I get?
Replies: 36
Views: 3311

Re: What computer should I get?

I'm a bit old fashioned and still prefer a desktop over a laptop for my office. Desktop computers are far more upgradable than laptops - I've usually upgraded computers once before doing a rebuild. Either way you should be fine as either a desktop or a laptop would be more than capable for your need...
by Houe
Wed Dec 20, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51004

Re: Tax Bill Omnibus Thread

Well, it looks like 529 plans just got a whole lot more interesting: TREATMENT OF ELEMENTARY AND SECONDARY TUITION.—Any reference in this subsection to the term ‘qualified higher education expense’ shall include a reference to expenses for tuition in connection with enrollment or attendance at an e...
by Houe
Tue Dec 19, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

I just wanted to wish all the buy & hold investors HAPPY QUADRUPLE DAY! The S&P 500 index hit a great recession low of 666 in 2009. Earlier today, it exceeded 2665. Simple math (and I'm not even including dividends). 8-) I plan to sell 1% equities today if it is above 2662 at 3:50PM. And buy what? ...
by Houe
Fri Dec 15, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 6635

Re: State Farm Insurance, Time to Leave

I have state farm for 2 auto's and home insurance. I have noticed the auto insurance has been inching up every 6 months (we pay 6 months at a time). This seems a bit odd considering the cars are becoming less and less valuable. Should I get a rate decrease? Anyway I just renewed because I just don'...
by Houe
Fri Dec 15, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 6635

Re: State Farm Insurance, Time to Leave

I have state farm for 2 auto's and home insurance. I have noticed the auto insurance has been inching up every 6 months (we pay 6 months at a time). This seems a bit odd considering the cars are becoming less and less valuable. Should I get a rate decrease? Anyway I just renewed because I just don't...
by Houe
Tue Dec 12, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 4025

Re: best cashback credit card ?

Here is my CC list. Seems quite similar to what a lot of others have mentioned. costco citi 4% gas, 3% restaurants amazon prime 5% amazon.com chase freedom and discover 5% rotating categories AMEX blue 3% groceries fidelity 2% everything else Honestly I'm tempted to simplify. Might dump amex because...
by Houe
Tue Dec 12, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 17126

Re: What to do after losing $117k in stock market?

I'll tell you what not to do: put everything you have left into bitcoin.
by Houe
Mon Dec 11, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest in a bull market
Replies: 17
Views: 2235

Re: When to invest in a bull market

As the sayings goes... The best time to plant a tree was 20 years ago. The second best time to plant a tree is today.

But honestly I'd probably dollar cost average in just to avoid one day swings even if it means paying a bit more.
by Houe
Mon Nov 20, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14946

Re: Dave Ramsey says don't use credit cards, even if you pay them off

That said, he has somewhat of a point. e.g. have a look at this article (and the linked studies): https://www.psychologytoday.com/blog/the-science-behind-behavior/201607/does-it-matter-whether-you-pay-cash-or-credit-card. While individuals may vary, the data seems pretty good that most people spend...
by Houe
Mon Nov 20, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14946

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Does anyone have any information on this study DR refers to? DR advocates using debit cards. I'd like to know if debit cards would be included as cash or plastic. If you pay your CC each month and maybe even link auto pay to your checking account the only difference between a debit card and CC is th...
by Houe
Tue Nov 14, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 2238

Re: Should I bail on AT&T and Directv?

Looks like AT&T reduced the directv/directvnow discount to only $15 (was $25). So that option becomes a little less compelling.
by Houe
Tue Nov 14, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 4030

Re: Borrowing from parents - what interest rate?

djpeteski wrote:
Tue Nov 14, 2017 7:15 am
Don't do it.
This. Many family relations go south because of things like this. Not worth the risk.
by Houe
Tue Nov 14, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Passive investing is a 'chaotic system' that could be dangerous?
Replies: 20
Views: 1971

Passive investing is a 'chaotic system' that could be dangerous?

I'm fairly new to index investing with bogleheads advice. Wondering what your thoughts on this article are...

https://www.cnbc.com/2017/11/14/robert- ... ystem.html
by Houe
Mon Nov 13, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

wrongfunds wrote:
Fri Nov 10, 2017 5:05 pm
Oh My God; two consecutive days of trading in red; when was last time such a calamity had occurred before??
Might be going on 3!
by Houe
Thu Nov 09, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 2238

Re: Should I bail on AT&T and Directv?

You could try out DirectvNow for a free month. If it would work for you then with the ATT discount it would be $10/month. I heard that some DVR functionality is coming to DirectvNow but I really don't know much about it. Just something to look into. I tried DirectvNow via a FireTv with wired Etherne...
by Houe
Thu Nov 09, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260891

Re: U.S. stocks in freefall

ImmigrantSaver wrote:
Thu Nov 09, 2017 1:38 pm
I am contemplating buying my scheduled for tomorrow allocation today. Cause clearly tomorrow it'll be back up :oops:
Well my 401k contribution isn't for another week - probably too late to take advantage of this drop.
by Houe
Tue Nov 07, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 4946

Re: Considering a LG 55" OLED TV

Found something interesting when I set up the OLED55B7A. I was not expecting Dolby Atmos...... but found it "not grayed out" and available. The TV did go through an "online update" before I sat down to make picture adjustments. Maybe the update added the Dolby Atmos capability ??? Or maybe it was a...
by Houe
Mon Nov 06, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 4946

Re: Considering a LG 55" OLED TV

Keep in mind that Citi has Price Rewind, so you can buy it at Costco, submit the printout of the Best Buy website price, and they’ll credit you the difference. (up to $500) I wonder if the slight difference in model numbers would be an issue for that? Costco has it as Model OLED55B7 Best Buy has it...