Search found 422 matches

by Youngblood
Mon Sep 04, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3943
Views: 1036102

Re: U.S. stocks in freefall

VictoriaF wrote:
Mon Sep 04, 2017 10:24 am
Tomorrow the stocks will be in a nuclear fallout.

Victoria
This could definitely happen.
by Youngblood
Sat Sep 02, 2017 2:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 15918

Re: [Are the Bogleheads] getting less interesting?

I wish we could restart the polls that we use to have. Not sure why the moderators took them away. The polls were always interesting and starting them again would re-energize discussion. I liked the polls too! They gave a quick view of where most people stand on a particular money matter. Then, if ...
by Youngblood
Tue Aug 29, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Two Issues for New Investor [portfolio help, move fund to Vanguard]
Replies: 26
Views: 1531

Re: Two Issues for New Investor

OP, is the money you received from your Grandmother a gift or inherited?
by Youngblood
Tue Aug 29, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 7994

Re: Relative angry I will not co-sign

Not sure what I would do in your situation. How is the "close relative" related to you? That would matter to me. I have gone both ways when relatives have asked for money.

I hope you make the right decision.
by Youngblood
Wed Aug 23, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9198

Re: Non-fiction bucket list

celia wrote:
Fri Aug 18, 2017 2:01 pm
The Last Lecture by Randy Pausch and Jeffrey Zaslow.
A valuable read for me too.
by Youngblood
Wed Aug 23, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9198

Re: Non-fiction bucket list

I also strongly recommended this golden book: Another Sort of Learning: Selected Contrary Essays on How Finally to Acquire an Education While Still in College or Anywhere Else: Containing Some Belated Advice about How to Employ Your Leisure Time When Ultimate Questions Remain Perplexing in Spite of...
by Youngblood
Sun Aug 20, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15940

Re: Lost $7000 today in ONE DAY!

Hi everyone, I lost $7000 today in one day. My portfolio is below. Ironically, I've just returned from a store where I was arguing with a cashier over 0.50 cents! Got home and saw that the portfolio went down by $7k... :oops: Should I change the allocation if this kind of downswing bothers me? :con...
by Youngblood
Fri Aug 18, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1557

Re: How do you know how much your portfolio lost/gain in one day?

With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny. Unless they actually made a stupid decision to lock in the losses, that is. Unless whatever they sold keeps going down by a lot more. Sorry, that doesn't compute. Think about it. When I actually sel...
by Youngblood
Fri Aug 18, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1557

Re: How do you know how much your portfolio lost/gain in one day?

invst65 wrote:
Fri Aug 18, 2017 2:49 pm
With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny. Unless they actually made a stupid decision to lock in the losses, that is.
Unless whatever they sold keeps going down by a lot more.
by Youngblood
Thu Aug 10, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for my Wife - Introductory Post & First Question
Replies: 23
Views: 3100

Re: Planning for my Wife - Introductory Post & First Question

You might consider using Vanguards very inexpensive AUM plan. That way your wife wouldn't have to worry about managing assets. In regards to taxes, how have you been doing them in the past? Are they complicated? Software tax programs (TurboTax) are pretty simple to use. Most have an interview format...
by Youngblood
Thu Aug 10, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 3966

Re: Do you plan to ditch your laptop in travel soon?

Last two trips were a hiking trip to the Smokies and an Alaska cruise. Both times I had only my phone and it was totally freeing not lugging either a tablet or my Surface pro around or worrying about theft.

So, from now on, it's phone alone.
by Youngblood
Mon Aug 07, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with financial anxiety?
Replies: 40
Views: 3087

Re: How do you deal with financial anxiety?

I don't believe everything my mind tells me.
by Youngblood
Sat Aug 05, 2017 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 342
Views: 39669

Re: Quicken's future direction - a cause for concern

I'll be though with Quicken for good if they become greedy. I'm switching to GnuCash. In the final stages of experimenting, but have all of 2017 data entered into GnuCash already. If for no other reason (and there are other reasons), I'm making the switch because I can control the font and text siz...
by Youngblood
Fri Aug 04, 2017 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 342
Views: 39669

Re: Quicken's future direction - a cause for concern

I plan on keeping my subscription with Quicken but glad that those who choose not to will be able to enter data manually.

YB
by Youngblood
Tue Aug 01, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4496

Re: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]

Retiringwhen, Your examples are good but I am just concerned about the pendulum swinging too far towards providing a cheaper product at the expense of all the good things that a Fidelity provides. I have accounts at both Fido and VG. In my decades long experience with both, I have favored Fido's web...
by Youngblood
Tue Aug 01, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4496

Re: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]

What we are seeing is the creative destruction of capitalism. I too think this might be so. Perhaps the root cause of this is that more and more people want more and more stuff for free or nearly so. Every business whether in the financial industry, consumer staples, entertainment, farming, healthc...
by Youngblood
Mon Jul 31, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring IRAs from American Funds to Vanguard
Replies: 15
Views: 1116

Re: Transferring IRAs from American Funds to Vanguard

All, thank you for your responses. Circling back. Spoke to a Vanguard representative and confirmed that Vanguard does not charge additional fees for purchases, sales, or exchanges of any load fund offered through their program even if transferred. However, the funds themselves could have back-end o...
by Youngblood
Tue Jul 25, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9729

Re: [Amazon Prime Day]

I have used Spotify on my desktop but not with Alexa. I just looked and you are right about needing premium account.

I use Pandora and Amazon music via Echo Dot and from Desktop.

Did you try linking your Pandora account with your Alexa phone app? I know that works.
by Youngblood
Tue Jul 25, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance as a tax diversification strategy
Replies: 39
Views: 2384

Re: Life insurance as a tax diversification strategy

Thank you all for your replies. Are there any investment management options going forward at age 70 to minimize taxes ? I didn't think I could convert an IRA to a Roth without earned income. The only income is SS. You certainly can convert IRA to Roth without earned income. You just can't contribut...
by Youngblood
Tue Jul 25, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 32810

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

Should internatonal stocks underperform in perpetuity, the day will come when the entire capitalization of the stock market will be made of US stocks. Reductio ad absurdum , An interesting reading on Wikipedia Thank you for this post and many others. I am surprised at least some of those holding op...
by Youngblood
Tue Jul 25, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9729

Re: [Amazon Prime Day]

They are free with a few very short commercials. The premium subscriptions do not have ads and those you do pay for. I have the free type.
by Youngblood
Tue Jul 25, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9729

Re: [Amazon Prime Day]

Then just say: Alexa, play Pandora, or spotify etc.
by Youngblood
Mon Jul 24, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10317

Re: Is Amazon Prime worth it?

I enjoy having Amazon Prime and know I am getting my money's worth through a combination of Prime Video, Prime Music, Prime lending library, free shipping and reading the reviews of products. Heck, for $99 I have enjoyed enough with Prime video alone to make it worth it. Even just watching four show...
by Youngblood
Sat Jul 22, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: The Quest for Perfection
Replies: 120
Views: 6851

Re: The Quest for Perfection

OP, I don't think many companies issue stock certificates anymore (I wish they did because they were beautiful and a great gift for minors).

YB
by Youngblood
Fri Jul 21, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Kicking the net worth habit
Replies: 47
Views: 5440

Re: Kicking the net worth habit

To me, net worth is a largely useless number and I'm still planning for retirement. However, as I'm not going to sell off my physical assets such as my house, bothering to come up with a value for such things to put into a net worth calculation doesn't seem to make any sense to me as I'm not planni...
by Youngblood
Thu Jul 20, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 6996

Re: Would you let your teenager spend all his savings on a gaming computer?

Probably all relative. I recently read a news blurb that young men are choosing to stay out of the work force in order to play computer games.

YB
by Youngblood
Tue Jul 18, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 12301

Re: Books not to read.

The Millionaire Next Door by Stanley and Danko. Victoria Interesting, I remember reading this book a very long time ago. When I just looked up the publishing date it was 1996. Hmmm, I actually remember this book as consisting of interesting research. The fact that I remember it at all, makes it som...
by Youngblood
Mon Jul 17, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2937
Views: 863479

Re: What Movie Have You Recently Watched?

I started to watch a preview of "A man Called Ove", and accidentally hit the rent button. It was ok, I got used to the subtitles quickly. They were large and clear. The move was somewhat enjoyable, but I would not rent it again, nor say it was a great movie. It was informative on how other countrie...
by Youngblood
Fri Jul 14, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9729

Re: Amazon prime day

What are you buying? I might get a Fire tablet. $30 doesn't seem like a bad deal, especially compared to an iPad. While I am not an Apple fan, a $30 Kindle Fire is not anywhere near equivalent to an iPad. You are comparing apples and ... That's what I thought until I purchased an HD 8" Fire tablet ...
by Youngblood
Fri Jul 14, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Questions about security camera systems
Replies: 16
Views: 1755

Re: Questions about security camera systems

I am interested in following this thread for our condo and parking area.

One totally climate controlled and the other just under a covered carport.

YB
by Youngblood
Mon Jul 10, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2566

Re: A question about GENTLE excercise.............

Age 69 here. I took three and a half years of yoga classes (not gentle but not hot yoga). I enjoyed it very much but noticed that as students would leave and join a lot of new students would not be able to do many of the poses and even though the instructor helped and encouraged them to modify most ...
by Youngblood
Wed May 24, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 14516

Re: i am my own "guy," but not sure I should advertise that

[...]He said he just tosses the money into the account to avoid eating dog food in the feature. (Why is pet food always offered up as an example of poverty in old age?) If I was poor in old age, I'd eat beans before reaching for the Alpo It's doubly ironic given that folks who eat beans probably ca...
by Youngblood
Mon May 22, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 10043

Re: Net worth is overrated

I think it is of value in determining many things in regards to spending, retirement and financial independence.
Not in isolation but, very important.
by Youngblood
Sun May 21, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 4601

Re: Anyone else track the value of their investments by discounting the value of equities?

Emotions cause humans to make all sorts of mistakes regardless of all cerebral cortex activity. Fear and greed can affect most of us given the right conditions. I do mentally subtract 50% of the equity portion of my net worth just to attempt to determine how I would cope and feel about that amount o...
by Youngblood
Tue May 16, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Money market funds or other low risk funds - please help
Replies: 12
Views: 658

Re: Money market funds or other low risk funds - please help

Fidelity has good CD ladders you can purchase or simply choose any individual CD which are FDIC insured.
by Youngblood
Tue May 16, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 10460

Re: Was there a $$$ number after which things got easier?

For me it was when I made more money investing than I did teaching school.

YB
by Youngblood
Tue May 16, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1829

Re: Quality decline in off-brand alkaline batteries?

I have had several Kirkland batteries leak too. I suspect that part of the issue is that the chemistry was changed five or so years ago to stop using any mercury in them. According to this web site; Manufacturers around the world use mercury in batteries to prevent the buildup of internal gases tha...
by Youngblood
Tue May 16, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1829

Re: Quality decline in off-brand alkaline batteries?

epictetus wrote:with duracell alkaline batteries i notice they corrode in the object they are powering (clock, etc) a lot more than they used to


I have had this happen too. Not yet with Kirkland batteries.
by Youngblood
Tue May 16, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2937
Views: 863479

Re: What Movie Have You Recently Watched?

Kubo and the Two Strings. Really enjoyed it. Great story. Actually thought I was watching a dubbed version of a Japanese film, surprised to learn it's an American original. Kubo and the Two Strings , on Netflix. I agree. It was a good story and fun to watch. My husband picked up early-on this was n...
by Youngblood
Mon May 15, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2937
Views: 863479

Re: What Movie Have You Recently Watched?

Recommend Manchester by the Sea, great, although not a happy movie. I watched it this weekend. I think that the movie was over-hyped and given too many accolades----it isn't difficult to act "sad," and there was no real point to the movie that I could discern. Glad that I didn't pay any m...
by Youngblood
Mon May 15, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2937
Views: 863479

Re: What Movie Have You Recently Watched?

Kubo and the Two Strings. Really enjoyed it. Great story. Actually thought I was watching a dubbed version of a Japanese film, surprised to learn it's an American original. Kubo and the Two Strings , on Netflix. I agree. It was a good story and fun to watch. My husband picked up early-on this was n...
by Youngblood
Mon May 15, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 4151

Re: Scolded by my adviser at F******* !

My thinking on this is, the most important thing in your review or anybodys' is to be honest. I have come across this same situation in evaluating the service I received at a car dealership. They later called and asked what they could do for me so that they could get a totally positive review. Heck,...
by Youngblood
Sun May 07, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3617

Re: First 100 mile bike ride

Just before the century ride I took I was a runner who could run as long as I wanted to (many weekend runs of 15-20 miles). So, I thought it would be a fairly easy task to ride for a hundred. Purchased a bike, signed up for the century and went on the ride through a very hilly portion of Virginia. T...
by Youngblood
Sun May 07, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: HOA & renting rules
Replies: 27
Views: 2722

Re: HOA & renting rules

They are seeking a 12 month lease, if that seems to make a difference. There is one L shaped huge driveway, so there is off street parking for them. Their concern is getting all settled in, then being forced out due to the homeowner getting caught up in a violation issue. Perhaps your brother and s...
by Youngblood
Thu May 04, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation
Replies: 15
Views: 1403

Re: Retirement Allocation

To me, your retirement allocation will allow you to enjoy positive stock market returns and not be devastated during market declines.

Enjoy your retirement.
by Youngblood
Thu May 04, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 8303

Re: Favorite Financial Indulgences

My Freedom in regards to time choices and spending.
by Youngblood
Mon May 01, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Truck purchase: buy new vs buy used vs lease analysis
Replies: 23
Views: 2299

Re: Truck purchase: buy new vs buy used vs lease analysis

Purchased a new Ram 2014 and out the door for 22K. The truck is three years old now and not a problem since purchase.

Obviously, I did not purchase a fully loaded Ram. The only thing I wish I had was a rear window that opened. Other than that totally satisfied.

YB
by Youngblood
Mon May 01, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 9848

Re: Dealing with regret

In hindsight, you made a mistake, but a bull market recovery like this one is not guaranteed. Had the market dropped another significant amount after your decision to save the remaining 120k... The only thing that matters now is what you do next. That will matter regardless of where in the cycle of ...
by Youngblood
Thu Apr 20, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41086

Re: Larry Swedroe says "Goodby."

Thanks Larry, I learned a great deal from your posts and books. I also admired your patience when you would continually answer the same questions over and over again. The posters who continually attacked you should leave instead. C'est La Vie. I'm saddened by your departure, but am happy that you'l...