/sigh
Search found 1427 matches
- Sat Oct 28, 2023 7:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: Did the bank just file suspicious activity report (SAR) on me for depositing ~$500 cash?
- Replies: 106
- Views: 11850
- Wed Oct 25, 2023 2:12 pm
- Forum: Investing - Theory, News & General
- Topic: Billionaire in 70 years???
- Replies: 37
- Views: 6901
Re: Billionaire in 70 years???
Me in 70 years: A billion ain't what it used to be.
- Mon Oct 23, 2023 10:45 am
- Forum: Personal Consumer Issues
- Topic: Fast Money: Verizon $10/mo discount per line retention credit
- Replies: 40
- Views: 8890
Re: Fast Money: Verizon $10/mo discount per line retention credit
I just went through the process, we have 3 lines. We'll see in a day or so, I guess.
- Tue Sep 05, 2023 7:24 pm
- Forum: Personal Consumer Issues
- Topic: Any tips about owning a bunny?
- Replies: 106
- Views: 8778
Re: Any tips about owning a bunny?
Bunnies will eat the carpets and chew on the drywall. Ask me how I know.
- Mon Sep 04, 2023 7:51 pm
- Forum: Investing - Theory, News & General
- Topic: There is a winner and loser for each stock trade?
- Replies: 62
- Views: 5058
Re: There is a winner and loser for each stock trade?
Winning or losing in the transaction is all relative. All you can say is that for every buyer there was a seller or vice versa. Whether the trade was profitable or not depends on what happened before or after that moment, holding periods, etc.
- Fri Sep 01, 2023 9:24 am
- Forum: Personal Finance (Not Investing)
- Topic: Pay down your Mortgage
- Replies: 60
- Views: 8632
Re: Pay down your Mortgage
I agree with not aggressively paying it down. It's better to make a separate fund and invest, especially with earning more on cash than your mortgage paydown. In a couple years if the return on cash is lower than 3.75% it might make sense to lump sum into the mortgage. That itch sometimes needs to be scratched though so if you feel compelled to do something, split the difference. I throw about $300 a month at mine and invest the rest (1-2k+). It's not optimal but it feels productive.
- Thu Aug 31, 2023 1:11 pm
- Forum: Investing - Theory, News & General
- Topic: Donating I bonds to avoid capital gains tax
- Replies: 33
- Views: 3206
Re: Donating I bonds to avoid capital gains tax
Why not hold on to them until you retire? They're a great income bridge if you want to do Roth conversions.
- Wed Aug 30, 2023 12:31 pm
- Forum: Personal Consumer Issues
- Topic: Being scammed, what to do next?
- Replies: 40
- Views: 5901
- Thu Aug 17, 2023 8:00 am
- Forum: Investing - Theory, News & General
- Topic: Portfolio Analyzer
- Replies: 14
- Views: 2283
Re: Portfolio Analyzer
Yes, that is the tool.LifeIsGood wrote: ↑Thu Aug 17, 2023 4:49 amI'm finding Portfolio Analyzer on IB. Is that what I'm looking for?MindBogler wrote: ↑Wed Aug 16, 2023 9:16 am Interactive Brokers has a tool that is called Portfolio Analyzer. Unfortunately, it isn't working correctly with Fidelity right now due to some changes they are implementing (at Fidelity).
- Wed Aug 16, 2023 5:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Millionaire by 40 and How you Did it?
- Replies: 352
- Views: 74765
Re: Millionaire by 40 and How you Did it?
I was almost 42 (close enough) when it happened. The story is nothing special around these parts. We bought our first house when I was 22yo, which was a major strain on our budget. We paid off all our non-mortgage debt, maxed out two 401ks, did backdoor Roth and saved the remainder we could afford after living life in taxable accounts. We didn't start investing in large amounts until 2012 or so. We aren't frugal but not spendthrifts, either. We take at least one big vacation a year, typically to a foreign country. Dual income, upper-middle class, 1 kid. Neither of our families are wealthy and we've received zero external financial support. The market over the last 10 years did much of the heavy lifting.
- Wed Aug 16, 2023 5:33 pm
- Forum: Investing - Theory, News & General
- Topic: Lessons from 2007 -2009
- Replies: 143
- Views: 18234
Re: Lessons from 2007 -2009
This is true. I started investing in 1998 so I learned my lesson early, before too much damage could be done.jebmke wrote: ↑Wed Aug 16, 2023 5:05 pmDepends how old they are .MindBogler wrote: ↑Wed Aug 16, 2023 5:01 pm The lesson I learned is that many investors who starts their journey in a bull market overestimate their risk tolerance.
I started investing ~ 1980. There was a pretty good run up after that until we had a small hiccup in 1987 and the market dropped 22% in one day. My wife was in the investing business at the time. Tensions were high. After that there were several ups and downs. The tech bubble was a setback. But, by 2007 we had a pretty good feel for our risk profile and how it might change given my pending retirement (December, 2007).
- Wed Aug 16, 2023 5:01 pm
- Forum: Investing - Theory, News & General
- Topic: Lessons from 2007 -2009
- Replies: 143
- Views: 18234
Re: Lessons from 2007 -2009
The lesson I learned is that many investors who start their journey in a bull market overestimate their risk tolerance.
- Wed Aug 16, 2023 9:16 am
- Forum: Investing - Theory, News & General
- Topic: Portfolio Analyzer
- Replies: 14
- Views: 2283
Re: Portfolio Analyzer
Interactive Brokers has a tool that is called Portfolio Analyzer. Unfortunately, it isn't working correctly with Fidelity right now due to some changes they are implementing (at Fidelity).
- Tue Aug 15, 2023 11:08 pm
- Forum: Investing - Theory, News & General
- Topic: How much gold should you hold in your portfolio?
- Replies: 195
- Views: 17936
Re: How much gold should you hold in your portfolio?
I don't hold any gold, but if it helps someone sleep well at night to have a small allocation, who cares? People make plenty of suboptimal decisions to help them sleep at night. Gold is likely to retain its value beyond most of our lives unless we start mining asteroids soon, so it isn't any worse than having too high of a % allocated to bonds, which are almost all losing real value at this point.
- Sun Aug 13, 2023 10:43 am
- Forum: Personal Finance (Not Investing)
- Topic: Is it always worth it to spend down savings in order to defer Social Security benefits?
- Replies: 132
- Views: 12622
Re: Is it always worth it to spend down savings in order to defer Social Security benefits?
I think many people overestimate how long they are likely to live. People in general are very unhealthy (overweight, high blood pressure, type 2 diabetes) so while this may not describe you, on average it describes many. I think people should analyze their own situation as honestly as possible. If you are in the unhealthy camp, particularly if retired, you have all the time in the world to improve your health. Removing the above risk factors is likely to improve your odds of living longer where delaying SS becomes a net benefit. If you fall into the above camp and have no desire to change, I would take SS as early as possible.
- Fri Aug 11, 2023 8:30 am
- Forum: Investing - Theory, News & General
- Topic: Why not liquidate all assets and buy tbills @5.5%?
- Replies: 116
- Views: 13919
Re: Why not liquidate all assets and buy tbills @5.5%?
It wouldn't be so crazy if you kept at least 25% of your stocks to mitigate the risk that you are wrong and the market keeps going up. If I were going to do something like this, I would lean towards the 1 year, maybe even a ladder of 4 quarters. I don't think 100% of anything is a good idea.
- Wed Aug 09, 2023 11:16 am
- Forum: Investing - Theory, News & General
- Topic: Sum of monthly returns of S&P 500 do not match YTD return
- Replies: 11
- Views: 1150
Re: Sum of monthly returns of S&P 500 do not match YTD return
They aren't additive.
- Tue Aug 08, 2023 9:34 am
- Forum: Personal Investments
- Topic: Moving abandoned 401K to IRA
- Replies: 14
- Views: 956
Re: Moving abandoned 401K to IRA
Hi everyone, Wife left her job a few years ago for a nice opportunity but it didn't include a 401K. We do taxable and backdoor Roth for her. Her old 401K (balance ~$100K), is increasing the administrative fee up to 0.9% (it was .4). The fund options are pretty crap so I have her in a target date that has a .5% fee. I try to follow the 3 fund portfolio as best I can. I do mean .9% and .5%, not .09% or .05%, just to confirm. I would like to roll this over to a tIRA, for simplicity, and better fund management. However, will this ruin our backdoor Roth process? I would like to keep doing that but maybe it's time to just do a deductibe tIRA going forward since she gets no tax break at all (annual income ~$120K). Any advice or thoughts on this, ...
- Tue Aug 08, 2023 9:27 am
- Forum: Personal Consumer Issues
- Topic: How to evict skunk family living under shed?
- Replies: 69
- Views: 8045
Re: How to evict skunk family living under shed?
Call a pest control company.
- Sun Aug 06, 2023 9:23 am
- Forum: Personal Consumer Issues
- Topic: Getting rid of my wallet?
- Replies: 101
- Views: 10637
Re: Getting rid of my wallet?
+1MrBobcat wrote: ↑Sat Aug 05, 2023 3:38 pm I've been really happy with my Ridge Wallet, carry it in my front pocket.
https://www.amazon.com/gp/product/B01M5 ... =UTF8&th=1
I carry 3 credit cards, drivers license and a health insurance card. It's perfect.
- Thu Aug 03, 2023 8:02 pm
- Forum: Investing - Theory, News & General
- Topic: Did Morningstar rate a 94%-stocks fund to <50%-stocks peers?
- Replies: 15
- Views: 2431
Re: Did Morningstar rate an all-stocks fund in comparison to balanced-fund peers?
One of the mods should confirm whether the poster is legitimately a Morningstar employee or an elaborate troll. It could be totally legit but I prefer to err on the side of caution.
- Tue Aug 01, 2023 8:52 am
- Forum: Personal Consumer Issues
- Topic: Kid friendly, all inclusive resort in Mexico/Caribbean? Feb 2024
- Replies: 18
- Views: 7589
Re: Kid friendly, all inclusive resort in Mexico/Caribbean? Feb 2024
We have done a few. Best bang for the buck is The Grand at Moon Palace. Quieter than the main moon palace resort as it’s more expensive, but worth it. A decent water park for a resort, couple of big slides and lazy river. The restaurants are easy, you just walk in to most. They have an indoor kids play area with arcade, bumper cars and rope walks. You want to stay near the family pool which is also near water park. It’s spread out so you do need to wait for a golf cart to come around to get to main hall but it’s frequent. Absolutely agree with the above. The kid-friendly Palace resorts are outstanding. Pay the extra money for private airport transportation to and from the resort, they'll pick up in a Suburban or similar. If the price of Th...
- Sat Jul 22, 2023 9:57 pm
- Forum: Personal Consumer Issues
- Topic: Noise Canceling Over The Ear Headphones
- Replies: 32
- Views: 3216
Re: Noise Canceling Over The Ear Headphones
Another vote for the Sony here. I used to travel for work, hundreds of flights a year sometimes and I wouldn’t trade the Sonys for anything. I don’t like over the ear headphones at the gym because I think they are too hot. If that isn’t an issue for you with other over the ear headphones then they will be comfortable.
- Thu Jul 13, 2023 9:43 am
- Forum: Personal Finance (Not Investing)
- Topic: My wife and I just closed on our first house
- Replies: 33
- Views: 2931
Re: My wife and I just closed on our first house
Always fixed. If rates drop you can refinance, if they don't you could get squeezed by the ARMs.chantana wrote: ↑Thu Jul 13, 2023 9:36 am My wife and I just closed on our first house and I am shopping for a mortgage. She is a physician so we are looking at doctor loans.
I am getting quoted:
30 yr fixed 6.75%
10 yr ARM 6.625%
7 yr ARM 6.50%
5 yr ARM 6.375%
What would you do in this environment?
- Tue Jul 11, 2023 11:17 am
- Forum: Personal Finance (Not Investing)
- Topic: 2023 raises [Salary]
- Replies: 47
- Views: 5884
Re: 2023 raises
Just got the call, I received the max of 3% at my megacorp. My understanding is that in better years the cap has been much higher.
- Tue Jul 11, 2023 9:55 am
- Forum: Personal Finance (Not Investing)
- Topic: 2023 raises [Salary]
- Replies: 47
- Views: 5884
Re: 2023 raises
Well they just announced raises for this year - they go into effect September 1 Performance reviews determine your raise on a 1-5 scale 1 - no raise 2 - 1.65% 3 - 2.65% 4 - 3.65% 5 - “no limit” I’m actually blown away how small they are considering last year it was 2.5%/3.5%/4.5% due to “high inflation” and prior 5 years it’s always been 2%/3%/4%. Seems like they’re clawing back that extra 0.5% they gave last year. I’ve gotten 4s the last 3 performance cycles but a change in how they calculate your score will possible knock me to a 3 this year. I will not be a happy camper. Wonder what other mega corps are doing. 3% hard cap at my mega corp. Earlier in the year we were told no raises at all, so I'll be less disgruntled with 3% but there is...
- Thu Jul 06, 2023 7:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: At what point in job search should I lower salary requirements?
- Replies: 45
- Views: 4652
Re: At what point in job search should I lower salary requirements?
The hiring manager and/or team who makes the hiring decision couldn't care less if you are paid 70k, 100k, or 200k. If you get an offer, at that stage you can consider what you want to negotiate for based on other factors Are frontline recruiters trying to nickle and dime you before you talk to anyone? No, that’s not the issue. There are just a lot of jobs that I’m qualified for that only pay $60k, so I don’t apply to them. I'll let you in on the first secret of making more than your peers: salary bands on job postings are not set in stone. If the job looks like a good fit you should apply anyway. I always avoid salary negotiation up front by talking about total compensation. If I'm forced to discuss salary early I always go too high. Trus...
- Thu Jul 06, 2023 7:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: At what point in job search should I lower salary requirements?
- Replies: 45
- Views: 4652
Re: At what point in job search should I lower salary requirements?
The hiring manager and/or team who makes the hiring decision couldn't care less if you are paid 70k, 100k, or 200k. If you get an offer, at that stage you can consider what you want to negotiate for based on other factors Are frontline recruiters trying to nickle and dime you before you talk to anyone? No, that’s not the issue. There are just a lot of jobs that I’m qualified for that only pay $60k, so I don’t apply to them. I'll let you in on the first secret of making more than your peers: salary bands on job postings are not set in stone. If the job looks like a good fit you should apply anyway. I always avoid salary negotiation up front by talking about total compensation. If I'm forced to discuss salary early I always go too high. Trus...
- Thu Jul 06, 2023 7:38 pm
- Forum: Personal Consumer Issues
- Topic: 718 Cayman GTS 4.0. Can I? Should I?
- Replies: 103
- Views: 9609
Re: 718 Cayman GTS 4.0. Can I? Should I?
You make a great salary and have saved a large amount for your age. If the car gives you pleasure, buy it. Why do you need the external validation?
- Wed Jul 05, 2023 12:40 pm
- Forum: Personal Consumer Issues
- Topic: How Can I Self-educated on Airline Points/Miles
- Replies: 166
- Views: 13294
Re: How Can I Self-educated on Airline Points/Miles
This seems to be a complicated topic - I've listened to a few podcasts to get the feel for it, but I really need some kind of "points for dummies" tutorial. Any advice on where to start? Apparently people are fanatical about this. I don't need to get fancy, I just don't want to leave easy money on the table. An example of what I mean by confusing. I called AA to have them add miles from a recent trip to my AAdvantage account. The person I spoke with said "can I send to an offer for a Citi® / AAdvantage® Platinum Select® World Elite Mastercard®?" I said yes, and now I have an offer for this card, which includes 50,000 miles and $99 fee waived for first 12 months. Looks good, but there must be a hidden negative for someth...
- Tue Jun 20, 2023 6:23 pm
- Forum: Personal Consumer Issues
- Topic: Confirm laptop screen brightness (nits)
- Replies: 23
- Views: 2418
Re: Confirm laptop screen brightness (nits)
You can buy a relatively cheap lux meter on Amazon or elsewhere and convert that value to nits. You'll need a 100 IRE test pattern to display full screen and you can find that on YouTube.
You could also spend a bit more and get a Spyder colorimeter and calibrate it. The meter measures brightness with the supplied software if I recall.
You could also spend a bit more and get a Spyder colorimeter and calibrate it. The meter measures brightness with the supplied software if I recall.
- Mon May 29, 2023 7:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: "Should couples combine finances or keep personal accounts?"
- Replies: 236
- Views: 25888
Re: "Should couples combine finances or keep personal accounts?"
Bogleheads: An important decision that all couples face is whether to keep separate or combined financial accounts. Pat and I were married 62 years. We started out with combined finances. She was a spender and I was a saver which began to undermine our marriage. Fortunately, we decided early to change to separate accounts which solved our problem. Accordingly I disagree with the findings of the study . What do you think? https://www.morningstar.com/news/marketwatch/20230528210/should-couples-combine-finances-or-keep-separate-accounts-one-option-leads-to-a-happier-marriage-study-finds Best wishes. Taylor Jack Bogle's Words of Wisdom: “Learn every day, but especially from the experiences of others. It's cheaper!” Married 22 years and always ...
- Thu Apr 27, 2023 2:43 pm
- Forum: Investing - Theory, News & General
- Topic: How to avoid ESG aligned investment companies ?
- Replies: 69
- Views: 4733
Re: How to avoid ESG aligned investment companies ?
You're going to have to help me on your train of thought here.quantAndHold wrote: ↑Thu Apr 27, 2023 2:31 pmYou mean like Enron investors?MindBogler wrote: ↑Thu Apr 27, 2023 2:14 pmBecause "good" is subjective in this context. Many investors are more interested in financial outcomes which may not be aligned with ESG's stated objectives.quantAndHold wrote: ↑Thu Apr 27, 2023 2:09 pm Having a hard time figuring out why someone would be opposed to good corporate governance.
- Thu Apr 27, 2023 2:14 pm
- Forum: Investing - Theory, News & General
- Topic: How to avoid ESG aligned investment companies ?
- Replies: 69
- Views: 4733
Re: How to avoid ESG aligned investment companies ?
Because "good" is subjective in this context. Many investors are more interested in financial outcomes which may not be aligned with ESG's stated objectives.quantAndHold wrote: ↑Thu Apr 27, 2023 2:09 pm Having a hard time figuring out why someone would be opposed to good corporate governance.
- Thu Apr 27, 2023 1:52 pm
- Forum: Investing - Theory, News & General
- Topic: How to avoid ESG aligned investment companies ?
- Replies: 69
- Views: 4733
Re: How to avoid ESG aligned investment companies ?
As a side note, I wish something would be done about index funds and others voting customer's shares they do not own. It's completely immoral.
- Thu Apr 27, 2023 1:20 pm
- Forum: Investing - Theory, News & General
- Topic: How to avoid ESG aligned investment companies ?
- Replies: 69
- Views: 4733
Re: How to avoid ESG aligned investment companies ?
Sure about that?sailaway wrote: ↑Thu Apr 27, 2023 1:16 pmAnd yet, what companies are finding is that it increases profits and investments. They are not doing this because they have some kind of moral high ground.SmileyFace wrote: ↑Thu Apr 27, 2023 12:25 pm I am guessing the OP is looking for a company that isn't/won't use their influence as a large shareholder of F500+ companies to push ESG agendas on their holdings (versus one that is merely not offering ESG based holdings). The belief is if shareholder focus shifts more towards ESG achievement it will shift away from Profitability achievement.
https://hbr.org/2022/03/an-inconvenient ... -investing
- Thu Apr 27, 2023 1:07 pm
- Forum: Investing - Theory, News & General
- Topic: How to avoid ESG aligned investment companies ?
- Replies: 69
- Views: 4733
Re: How to avoid ESG aligned investment companies ?
This is as valid of a question as its inverse, which doesn't seem to generate much, if any, controversy. I tend to agree that ESG is generally seeking outcomes that aren't maximizing shareholder value. Unfortunately, the acronym that got the thread locked is integrally linked with ESG by virtue of being one of the "KPIs" used to quantify a company's ESG score, so this topic now is an implicitly financial one whether we want to lock threads about that acronym or not.
- Sat Apr 15, 2023 6:58 pm
- Forum: Personal Investments
- Topic: Would you dump $800k in the market right now?
- Replies: 120
- Views: 17347
Re: Would you dump $800k in the market right now?
I'll be the outlier: no. The risk free rate of 4.5% is higher than the earnings yield of the PE10 of SP500 (1/29.5 = 3.34%).
- Sat Apr 01, 2023 6:03 pm
- Forum: Personal Consumer Issues
- Topic: Global Entry Interview Challenge
- Replies: 106
- Views: 16124
Re: Global Entry Interview Challenge
The sad thing is the interview is a formality, at least in my case. The TSA agent asked me one question and the whole thing was done in less than 2 minutes. I did interview on arrival in Calgary. I've been through this airport dozens of times. I recommend anyone interested in interview on arrival to take a trip to Banff to ski, etc., and interview at the Calgary airport. You go through customs inside the Calgary airport where American TSA agents are stationed. You can get there hours before you flight and wait on an agent that can do the interview.
- Wed Mar 22, 2023 7:06 pm
- Forum: Investing - Theory, News & General
- Topic: [Bank failure discussion mega-thread]
- Replies: 2482
- Views: 211949
Re: [Bank failure discussion mega-thread]
The system insured system wide bank failure in 2008. Not only did the system insure depositors, it also insured bondholders and shareholders. Which made it even more expensive (and created at least some moral hazard). If bank assets suddenly all become worthless overnight we've got bigger issues. Most likely in that case the Fed would have to step in and support asset values (which also happened in 2008). Not insuring deposits doesn't make any of this better. It makes it worse by concentrating risk at big banks and accelerating the panic if something goes wrong. To summarize: we have this industry that's critical to businesses and everyday people, and it takes great unnecessary risk that cannot be truly pooled since failures can cascade th...
- Thu Mar 16, 2023 7:59 pm
- Forum: Personal Consumer Issues
- Topic: Should we put stay off the grass sign?
- Replies: 29
- Views: 2996
Re: Should we put stay off the grass sign?
Get off my lawn!
- Sat Mar 11, 2023 9:23 am
- Forum: Personal Investments
- Topic: How safe is VMFXX now?
- Replies: 107
- Views: 19246
Re: How safe is VMFXX now?
Thanks to all for the responses, truly appreciated and helpful. I do want to clarify though that while the calculator does indeed match my expectation of $1,000,000 protected, that is not what concerns me really. Instead it is the possibility that somehow something could slip through the cracks in a situation like this. I know that I requested years ago to make the account a POD account with 4 beneficiaries, and I know that the bank said they would do this, and their web interface now seems to reflect that this occurred successfully. But if the bank actually collapsed, how do I truly know that they have all of the proper record-keeping to pass along this information appropriately to the FDIC? How do I know that the FDIC will definitely reg...
- Sat Mar 11, 2023 9:01 am
- Forum: Personal Investments
- Topic: Where to store $1.5mm in cash ($500k SIPC coverage)
- Replies: 31
- Views: 6780
Re: Where to store $1.5mm in cash ($500k SIPC coverage)
Interactive Brokers also has a program for up to 2.5m in FDIC insurance:
https://www.interactivebrokers.com/en/a ... rogram.php
https://www.interactivebrokers.com/en/a ... rogram.php
- Fri Mar 10, 2023 10:53 am
- Forum: Investing - Theory, News & General
- Topic: [Bank failure discussion mega-thread]
- Replies: 2482
- Views: 211949
Re: Bank stress from bond holdings - SVB
The risk is that this spreads to other banks. Banks aren't paying enough interest to keep deposits. The 3mo treasury is at ~5% while banks are paying 4%.
- Fri Feb 10, 2023 8:58 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard CEO on Direct Indexing
- Replies: 94
- Views: 11580
Re: Vanguard CEO on Direct Indexing
The idea of voting shares is nice, but for most investors they have so little leverage that it is worthless. It's not like anyone from the company will meet with the random investor that has $10,000 or even $100,000 invested in a multi billion dollar company. I have part of my S&P 500 allocation in the VOTE ETF and that is a better directed way to affect change, if you agree with the values of the plan sponsor. Engine No. 1 does meet with companies and force proxy vote fights but they own single digit percentages of companies, not a few thousand shares. I'm concerned less with my own voting power than I am with reducing the influence of the biggest index funds over corporate affairs. If anything, index and mutual fund owners should hav...
- Thu Feb 09, 2023 11:35 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard CEO on Direct Indexing
- Replies: 94
- Views: 11580
Re: Vanguard CEO on Direct Indexing
If Direct Indexing would allow you to vote your shares (or disallow VG, et.al. doing so) on matters of interest, then it would be worth a minor cost, if any. I don't agree with the consolidation of corporate voting power into the hands of a few.
- Fri Sep 23, 2022 2:31 pm
- Forum: Investing - Theory, News & General
- Topic: POLL: Peak to Bottom S&P 500 [percentage] Drop ?
- Replies: 38
- Views: 3361
Re: POLL: Peak to Bottom S&P 500 % Drop ?
TSLA really is an enigma. I hold neither long or short positions other than my share from indexes, just an observation.
- Fri Sep 23, 2022 1:03 pm
- Forum: Investing - Theory, News & General
- Topic: POLL: Peak to Bottom S&P 500 [percentage] Drop ?
- Replies: 38
- Views: 3361
Re: POLL: Peak to Bottom S&P 500 % Drop ?
Just my opinion, but the bottom won't be in until something breaks. That could be a bank becoming insolvent or it could be a large company declaring bankruptcy. Nothing has really shaken the foundation, yet.Wanderingwheelz wrote: ↑Fri Sep 23, 2022 12:56 pm We’re a lot closer to the bottom than most people think.
Our own business, which is 90% discretionary, has seen a big slowdown in the last several weeks. Whatever the feds intentions are, they’re working.
- Fri Sep 23, 2022 12:40 pm
- Forum: Investing - Theory, News & General
- Topic: POLL: Peak to Bottom S&P 500 [percentage] Drop ?
- Replies: 38
- Views: 3361
Re: POLL: Peak to Bottom S&P 500 % Drop ?
SPX 3200 area is my call, but I've been wrong before and I'll be wrong again.
- Fri Sep 23, 2022 11:35 am
- Forum: Personal Finance (Not Investing)
- Topic: Downsizing life: Family of 4 moving into tiny house
- Replies: 144
- Views: 19270
Re: Downsizing life: Family of 4 moving into tiny house
This is exactly the kind of feedback I am looking for, thanks!nigel_ht wrote: ↑Fri Sep 23, 2022 11:23 am Most of the time it works great. Of course, when you have that important Zoom meeting is when "not working great" invariably happens.
I keep my expensive but slow DSL line as backup...its pricey to have both but if you work from home and it needs to work...
Of course, when it rains my DSL gets flakey too. 50 year old copper infrastructure doesn't like getting wet either.