Search found 728 matches

by RRAAYY3
Wed Feb 21, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: J. Montier: US equity market is obscenely overvalued
Replies: 26
Views: 2131

Re: J. Montier: US equity market is obscenely overvalued

Oh look people aren’t freaked out over the Fed anymore

Let’s see how “obscene” this gets
by RRAAYY3
Wed Feb 21, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 55
Views: 1524

Re: What UN-frugal thing do you do?

Quality food, eating out(at least twice a week), jewelry(only for Pearls), garden stuff, travel, gifts to my kids, music and entertainment related stuff for my husband like cable TV(have not downsized yet). In fact I spend money on things I like, I just don’t like to waste it. I only post on the fr...
by RRAAYY3
Wed Feb 21, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: First time Home Buyer in HCOL area - funds check
Replies: 21
Views: 2025

Re: First time Home Buyer in HCOL area - funds check

you could ... but you shouldn't
by RRAAYY3
Wed Feb 21, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 55
Views: 1524

Re: What UN-frugal thing do you do?

i refuse to buy coffee/breakfast/lunch during the work week [my goal is spend $0 Monday-Thursday] ... but I have no problem dropping $300 on Saturday Night dinner/drinks.
by RRAAYY3
Wed Feb 21, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 55
Views: 1524

Re: What UN-frugal thing do you do?

elcadarj wrote:
Wed Feb 21, 2018 10:44 am
No plastic bottles in the liquor cabinet.
AMEN

[although I've become quite good at finding quality/delicious booze for under $60 ... what's your poison(s) ?]
by RRAAYY3
Wed Feb 21, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: J. Montier: US equity market is obscenely overvalued
Replies: 26
Views: 2131

Re: J. Montier: US equity market is obscenely overvalued

Based on this ZeroHedge article from summer 2015: "This is definitely the most difficult time to be an asset allocator," warns GMO's James Montier, telling conference attendees in Munich that he hasn't been this risk-averse since 2008. Having warned six months ago that "stocks are hideously expensi...
by RRAAYY3
Wed Feb 21, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 55
Views: 1524

Re: What UN-frugal thing do you do?

Traded In A 2017 Honda Civic (4600 miles) For Upgrade ,Civic Sport Touring 2018. Wrote a Check for the difference. It is fun. :mrgreen: :happy :mrgreen: :happy I have the Sport myself ... although I guess mine was a “frugal” decision? Great car Yes it was. Feels and drives like more expensive "spor...
by RRAAYY3
Wed Feb 21, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 55
Views: 1524

Re: What UN-frugal thing do you do?

Toons wrote:
Wed Feb 21, 2018 8:52 am
Traded In A 2017 Honda Civic (4600 miles)
For
Upgrade ,Civic Sport Touring 2018.
Wrote a Check for the difference.
It is fun.

:mrgreen: :happy :mrgreen: :happy
I have the Sport myself ... although I guess mine was a “frugal” decision? Great car
by RRAAYY3
Wed Feb 21, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 55
Views: 1524

Re: What UN-frugal thing do you do?

I spend 1/3 of my net income on “dining and entertainment” each month

Live a little
by RRAAYY3
Wed Feb 21, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 88
Views: 6509

Re: Honda vs. Toyota: Which has more bang for the buck?

tennisplyr wrote:
Wed Feb 21, 2018 8:15 am
I got this car a few months ago in silver and absolutely love it :D
Cheers! It really is an incredible car
by RRAAYY3
Tue Feb 20, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 117
Views: 8407

Re: What big item (>20k) are you saving up for?

Anyone know where to get cheap (but nice) engagement rings?

Juuuuust wondering ...
by RRAAYY3
Tue Feb 20, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Investing vs student debt
Replies: 13
Views: 584

Re: Investing vs student debt

You’re young; You shouldn’t be taking on a mortgage + children while still having that loan debt over your head

Disclaimer: I hate debt in all forms.

Pay the loans off - then consider kids
by RRAAYY3
Tue Feb 20, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 35
Views: 2412

Re: Yikes, I waited too long, am I [too late]? 50k to invest

25 K each in :

Total US index
Total International Index

Admiral Shares

It is this simple - own the world, 2 tax efficient funds
by RRAAYY3
Tue Feb 20, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 88
Views: 6509

Re: Honda vs. Toyota: Which has more bang for the buck?

The new Civic Sport > my old Audi It is a blast to drive. Physics-defying roominess too and the hatch offers plenty of storage with the seats down. I had no idea a car under 25K could be that fun to drive ... I don’t bother with all the unnecessary techno “safety features” - because I actually pay a...
by RRAAYY3
Tue Feb 20, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Investing vs student debt
Replies: 13
Views: 584

Re: Investing vs student debt

cheetos2 wrote:
Tue Feb 20, 2018 2:51 pm
I will not be itemizing in 2018. 32K at 4.29% and 29K with a weighted avg rate of 4.8%.
get rid of that ASAP ... then invest your newfound cashflow increase after it's done.
by RRAAYY3
Tue Feb 20, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Investing vs student debt
Replies: 13
Views: 584

Re: Investing vs student debt

it's all about the interest rate ... anything above 3 or 4% and I'd take the guaranteed return of paying debt off.
by RRAAYY3
Tue Feb 20, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-R for Brokerage Acct
Replies: 13
Views: 626

Re: Vanguard 1099-R for Brokerage Acct

do you get physical mail from Vanguard or "e-statements"? It may be sitting there in your account.
by RRAAYY3
Tue Feb 20, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 78
Views: 6015

Re: What's your cash position

A lot less after buying a car paid in full and lump summing more into Int’l

I’ll be building up cash going forward until my 401k starts up (maxing contribution and Roth already maxed)

No more taxable investing unless we get another correction
by RRAAYY3
Tue Feb 20, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 43
Views: 4408

Re: Staying Motivated: How do you ward off hopelessness?

I went through exactly this kind of hopelessness when it became clear that my spouse and I would never be able to buy a home (condo or single family home) in the city we live in. Because my spouse is unwilling to move, and I’m unwilling to divorce him, that makes us lifelong renters. It was a hard ...
by RRAAYY3
Tue Feb 20, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Cut down on retirement savings to build emergency fund
Replies: 20
Views: 1128

Re: Cut down on retirement savings to build emergency fund

I would cut back on 401k contributions and continue maxing Roth

Why would you not want as much money as possible in a tax free growth position?

(401k to match, max Roth, efund, back to maxing 401k)
by RRAAYY3
Tue Feb 20, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 43
Views: 4408

Re: Staying Motivated: How do you ward off hopelessness?

I only worry about things I actually have control over (going to work, savings rate, etc.) Stressing about things you have no control over is a great way to drive yourself insane and/or make bad decisions If you can not directly impact the outcome of something- it is not worth stressing out about. *...
by RRAAYY3
Tue Feb 20, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Where to park 800K cash
Replies: 7
Views: 1910

Re: Where to park 800K cash

Nowhere near stocks / bonds

High yield savings and/or CD ladder 12-18 months
by RRAAYY3
Tue Feb 20, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: J. Montier: US equity market is obscenely overvalued
Replies: 26
Views: 2131

Re: J. Montier: US equity market is obscenely overvalued

2 world wars, 2 depressions, countless corrections (I don’t feel like counting them - you get the idea), Y2K, blah blah blah

and yet, it goes up.

Fear mongering click bait is more attention grabbing - that’ll likely never change.
by RRAAYY3
Tue Feb 20, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Sequence of returns risk while accumulating
Replies: 52
Views: 2994

Re: Sequence of returns risk while accumulating

So ... save money? K got it
by RRAAYY3
Mon Feb 19, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41481

Re: Netflix, Your Current Favorite Show

Big Mouth !
by RRAAYY3
Sun Feb 18, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to simplify International Allocation
Replies: 10
Views: 232

Re: Looking to simplify International Allocation

Total US / International is all you need

Don’t make this more complicated than it needs to be
by RRAAYY3
Sun Feb 18, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 108
Views: 7009

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

I stay 50/50 (+\- 5%) because I acknowledge I have no idea who will win / outperform Sure, but why don't you weight by free-float market cap? Does the 50/50 split improve your risk/return tradeoff in any way? I suspect that 50/50 is just simpler than 52.4/47.6. The current 2.4 percentage point tilt...
by RRAAYY3
Sun Feb 18, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 26
Views: 1353

Re: Expected return of US vs International, basic question

Why I’m 50/50:

1. I don’t know which will perform better. This guaranteed I own the “winner”

2. It’s so easy to rebalance, as the market itself will dictate which is the “better buy” for me - it’s going to be whichever is under 50%

3. I don’t know which will perform better.
by RRAAYY3
Sat Feb 17, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 108
Views: 7009

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

I stay 50/50 (+\- 5%) because I acknowledge I have no idea who will win / outperform I’m also young enough to not cling to the US past dominance- this world and its economy are a lot different. As a buy and hold investor, I also think this allocation will somewhat reduce the extreme volatility 100/0...
by RRAAYY3
Sat Feb 17, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 108
Views: 7009

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

I love how people gloss over the period where Int’l outperforms US as if it didn’t happen

Why bet on 1 country when you can bet on the world? “Past performance doesn’t guarantee future blah blah blah”, right?
by RRAAYY3
Sat Feb 17, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 867

Re: Investment strategy... have an extra 1000 a month to spend

50/50 Us - International Total Markets then contributes whichever one is lacking the following month

Don’t make it more difficult than it has to be

Or use Total World ETF - even simpler
by RRAAYY3
Sat Feb 17, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Investing vs paying off debt
Replies: 28
Views: 1635

Re: Investing vs paying off debt

I planned on financing my new car for 3 years ... wrote the check to pay it in full before my first payment was due ...

My goal is to have as few monthly obligations as possible
by RRAAYY3
Sat Feb 17, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9327

Re: Job is starting to suck the life out of me.

Many of my recent posts deal with the soul-draining aspect of my Megacorp and why I don't have the cajones to resign even though I can easily FIRE and this place is killing me. I'm currently in the midst if a particularly bad afternoon and have now escaped to a men's room stall for a moment of resp...
by RRAAYY3
Sat Feb 17, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Investing vs paying off debt
Replies: 28
Views: 1635

Re: Investing vs paying off debt

Pay off that hideous car loan ASAP and drive it til it doesn’t drive anymore
by RRAAYY3
Fri Feb 16, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9327

Re: Job is starting to suck the life out of me.

There are negative workplace environments everywhere, from megacorps to public sector to small businesses, and everything in between. Amazing how we as a society put up with this nonsense. Nobody likes to talk about it but a big part of the problem is that there are too many unqualified people in m...
by RRAAYY3
Fri Feb 16, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

Leif wrote:
Fri Feb 16, 2018 1:18 pm
I'm sure some with weak hands were washed out. But that storm was very short. Don't cheer too loudly yet. Like the weather things change.
All that’ll change for me is I keep my 6 month e-fund rather than build it back up to 1 year while buying up those cheaper shares
by RRAAYY3
Fri Feb 16, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Reality of the market being "down"...
Replies: 10
Views: 1003

Re: Reality of the market being "down"...

i'm considered the "investment guy" at work [it blows my mind that i was once as financially illiterate at my co-workers, thanks BH] - several people came up to me somewhat mockingly as if a couple weeks ago was a financial meltdown that left me living under a bridge. I had several similar experien...
by RRAAYY3
Fri Feb 16, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

lostdog wrote:
Fri Feb 16, 2018 12:46 pm
Anyone here admit to emotional selling during that dip?
I did some emotional tapping of my 1 year emergency fund in order to buy up Int’l
by RRAAYY3
Fri Feb 16, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Reality of the market being "down"...
Replies: 10
Views: 1003

Re: Reality of the market being "down"...

i'm considered the "investment guy" at work [it blows my mind that i was once as financially illiterate at my co-workers, thanks BH] - several people came up to me somewhat mockingly as if a couple weeks ago was a financial meltdown that left me living under a bridge. my response: [brief chuckle] "I...
by RRAAYY3
Fri Feb 16, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Should I make a move?
Replies: 4
Views: 466

Re: Should I make a move?

Rates are going up Build a CD ladder of 12/18 month CDs until you get that 3-5 year time period with guaranteed returns You’ll get a steady guaranteed 2% return on the money at least - you shouldn’t be investing anything you need within 3 years - it could double just as easy as it could be cut in half
by RRAAYY3
Thu Feb 15, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why not just do CDs and skip bonds?
Replies: 37
Views: 6950

Re: Why not just do CDs and skip bonds?

I should add -- you don't know this will happen. We're not talking about Fed overnight rates, but the yields of 5 year bonds (or 10, or so on), and those are set by bond market participants with wisdom, political connections and advanced degrees, who don't like to lose money. You're saying that you...
by RRAAYY3
Thu Feb 15, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. bonds in freefall
Replies: 33
Views: 5376

Re: U.S. bonds in freefall

willthrill81 wrote:
Thu Feb 15, 2018 10:57 pm
Doom&Gloom wrote:
Thu Feb 15, 2018 10:51 pm
cfs wrote:
Thu Feb 15, 2018 9:34 pm
No worries about bonds in freefall when you are 100% in equities. Good luck, y gracias por leer ~cfs~
No dry powder, eh?
Ever heard of dry powder drag? :wink:
Hmmm ... Dry powder “drag” ... Bond “stability”
by RRAAYY3
Thu Feb 15, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Buy or Rent under new Tax Law
Replies: 20
Views: 1711

Re: Buy or Rent under new Tax Law

Thank you for reminding me of why I’ll never buy a home in NJ
by RRAAYY3
Thu Feb 15, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 6813

Re: Wisdom of Bitcoin

Bitcoin is already literally illegal in ten countries. . FALSE . When I read that article, I see that Bitcoin is illegal in 8 countries, not 10: Algeria, Morocco, Bolivia, Ecuador, Kyrgyzstan, Bangladesh, Nepal, Cambodia. Bitcoin is legal in over 95% of countries. Border law enforcement probably ha...
by RRAAYY3
Thu Feb 15, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 6813

Re: Wisdom of Bitcoin

greg24 wrote:
Thu Feb 15, 2018 3:24 pm
Store of value?

Nearly 4 million of the 21 million possible bitcoins are lost forever.

http://fortune.com/2017/11/25/lost-bitcoins/

Yeah, this is going to end well.
The more I learn, the more ridiculous bitcoin gets.

I actively plead with loved ones not to “invest” in this garbage
by RRAAYY3
Wed Feb 14, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is VTI really "total stock market" with only 1478 holdings?
Replies: 12
Views: 1737

Re: Is VTI really "total stock market" with only 1478 holdings?

Is VTI really "total stock market" with only only 1478 holdings? Compared to the Russell 3000 or the Wilshire 5000? And is VXUS really "total international stock market" when it has half the holdings of VEA (Vanguard Developed Markets)? 909-1827 I'm trying to get on board with the 3-fund portfolio....
by RRAAYY3
Wed Feb 14, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

And how about bond funds? What are they up YTD? :twisted: Not sure - pretty much down over the last 5 years Total Bond Index is +1.79 annualized over the past five years which is not that bad. I’m having a hard time taking on the “risk” of bonds as a safe haven when they’ve barely done better than ...
by RRAAYY3
Wed Feb 14, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 129
Views: 7030

Re: philosophicaleconomics predicts 4% real equity returns

My thoughts:

Whatever. I’ll continue worrying about the only thing I can control - my savings rate (50%)