Search found 236 matches

by aqan
Sat Oct 21, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 38
Views: 2799

Re: Worry market crush, selling 50%, but increase buying 100%

I did some AA this month, move AA to 50/50. However, I did 401k purchase allocation to 100% into equity. US/Intl 50/50. Yes, I am more comfortable. I will capture 50% of market gain but limit 50% loss. In case of crash, I will be all in again. This year is good for me. I am up 18.8%. In my experien...
by aqan
Sat Oct 21, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 23
Views: 1998

Re: Shiller: the 1987 stock market panic can happen again

ray.james wrote:
Sat Oct 21, 2017 1:12 am
circuit breakers?
Last I know they are at 7.5% and 10%.
7.5% & 13%. - 15 minute halt
20% - done for the day.
by aqan
Sat Oct 21, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 23
Views: 1998

Re: Shiller: the 1987 stock market panic can happen again

The markets now have a 20% circuit breaker that closes the market through the next day. So a panic of that magnitude would at least be halted for some time for reflection. Would mutual fund owner's orders placed after the circuit broke not be fulfilled till the end of the next actual trading day? M...
by aqan
Sat Oct 21, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5222

Re: Is a crash coming soon?

These "market crash" threads are getting more and more annoying in my personal experience when they become unbearable they market will be ripe for a crash.
We could probably create a fear index out of these threads..
BTW OP checkout the "US stocks in free fall" thread.
by aqan
Sat Oct 21, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $100,000 safely for 2-3 years?
Replies: 16
Views: 1767

Re: Where to park $100,000 safely for 2-3 years?

https://www.gtefinancial.org/for-member ... te-special
have a look at GTE Financial credit union 30 month 2.5%/2.75% for jumbo CD seems spectacular .

Certificate Speacial

Jumbo Special
by aqan
Tue Oct 17, 2017 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Buying Employer Shares
Replies: 13
Views: 827

Re: Buying Employer Shares

my firm offers ESPP at 15% discount too. I can invest 25K max receive a guaranteed 15% return + any gains in stock price since the beginning of grant period if sold immediately. If your company doesn't put any restrictions on the sale of the stock, I don't see you would reject a guaranteed 15% retur...
by aqan
Mon Oct 16, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Joined the 1 comma club today!!!
Replies: 18
Views: 3450

Re: Joined the 1 comma club today!!!

Today I placed the order that gave me 1,000 shares of VTI (Vanguard Total Market ETF) in my taxable account. Reaching this mark as a goal for 2017 as I work to increase the amount of equities held in my taxable accounts. I am now a proud member of the 1 comma club . one comma as is 1,000 shares of ...
by aqan
Sun Oct 15, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 34
Views: 2539

Re: I need a better online checking w billpay and mobile check deposit

ProfLA wrote:
Thu Oct 12, 2017 11:30 am
8foot7 wrote:
Thu Oct 12, 2017 11:27 am
ProfLA wrote:
Thu Oct 12, 2017 9:59 am
Charles Schwab bank online platform and Christine service have been superb for me. The monthly deposit limit is $100,000.
What is Christine?
Sorry, customer service. Damn autocorrect!!! :oops:
you had my attention for a moment :)
by aqan
Sun Oct 15, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 43
Views: 5738

Re: should I buy in Record High? S&P 500

Man look at where we are now. This post is really telling. Indeed. According to the OP, they bought into the S&P500 at an "all-time high" closing price of 2053.44. This past Friday, the S&P 500 closed at 2553.17, an increase of over 24%. Nobody knows nuthin'. and this includes a drop of ~10% in 201...
by aqan
Sat Oct 14, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3252

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

If you had to choose, which equity exposure would you rather have, 100% Apple stock or 100% S&P 600 small cap index? I'm wondering, since they have approximately the same market cap. Apple is worth $803 billion and the combined value of the constituents in the S&P 600 is $780 billion. Total stock m...
by aqan
Fri Oct 13, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: How NOT to open a new Ally Bank account
Replies: 21
Views: 22961

Re: How NOT to open a new Ally Bank account

same thing here.. got REJECTED for a savings account, they just won't tell me whats missing and asked me to apply over the phone all over again. despite assuring that they will instantly let me know if there were any issues... my application went into review AGAIN and the guy couldn't explain why. a...
by aqan
Fri Oct 13, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4511

Re: Which Streaming Service/Live TV?

don't get directv now.. the DVR function is a joke. only a few channels support it and its hit or miss where available. Changing channels is a nightmare. Extremely clunky software (on both android and apple). you'd expect a ton of cool features since the service is software based but in the one year...
by aqan
Fri Oct 13, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 37
Views: 3166

Re: Outback Vs Forester Vs CR-V ??

I've had a forester for 5 years now. awesome car, plenty of room, handles really well in wet/snow conditions.
by aqan
Thu Oct 12, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve 50k points for private banking checking relationship
Replies: 12
Views: 1553

Re: Chase Sapphire Reserve 50k points for private banking checking relationship

I received the call too but the guy didn't offer me any points. anyone setup an appointment yet?
by aqan
Tue Oct 10, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4137

Re: 2 factor authentication - What if something happens to you?

I have an extensive "death book" entitled "Everything You Need To Know To Handle My Estate" in excel which contains all the information my executor will ever need to quickly and efficiently handle my estate (including access to PW, backup access information, and a whole lot of other details). The e...
by aqan
Tue Oct 10, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3666

Re: Wifi Thermostat

What security is built into these things? Is this as simple as a Jeep Grand Cherokee to break into and get into someone's home computer? I think that would be my first question. All can be hacked. It is recommended to connect them to a guest network, not to the main wi-fi. I have installed some Nes...
by aqan
Tue Oct 10, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11769

Re: 100% in bond to wait for market crash?

MnD wrote:
Mon Oct 09, 2017 11:55 pm
I'm liking all these fear threads.
lol.. according to my calculations it means that you have 6-18 months before the crash.
by aqan
Tue Oct 10, 2017 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Sell or keep shares of a private company?
Replies: 39
Views: 2204

Re: Sell or keep shares of a private company?

Do you think company could turn out to be the next Facebook or google? If so keep the stock otherwise sell :)
by aqan
Mon Oct 09, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11769

Re: 100% in bond to wait for market crash?

I am in a similar boat, with sweat money in cash ( 13 yr expenses) in taxable account Can't seem to pull the trigger About 4 yr expenses worth, in tax deferred accounts, in bond funds I am in early 40's how about buying a hedge (long term UVXY call options??) instead of pulling out completely? You ...
by aqan
Mon Oct 09, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11769

Re: 100% in bond to wait for market crash?

I'm OUT, mostly. Today I sold all equities, US, international, emerging market, and a few individual stocks. Still hold some oil/oil services index funds. Otherwise all cash, bonds, TIPs, and gold. I figure the TIPs, gold and my house provide some protection against inflation. Already retired, and ...
by aqan
Sun Oct 08, 2017 6:22 am
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8119

Re: I'm thinking about cashing completely out of equites....

You may want to reduce the stock allocation but getting completely out of market generally mean staying out for a long term. I know some people who jumped out of the market in 2007 and could not muster the courage to get back in until very recently. IMO Staying in the market keeps you in touch with ...
by aqan
Wed Oct 04, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47213

Re: Equifax customer information leak

:? Equifax, under fire for data breach, wins $7.25 million contract from IRS http://www.pbs.org/newshour/rundown/equifax-fire-data-breach-wins-7-25-million-contract-irs/ The Internal Revenue Service signed a $7.25 million contract with Equifax last month. The no-bid contract... is for Equifax to pr...
by aqan
Tue Oct 03, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1640

Re: Visiting Paris - should we buy tickets in advance?

user9532 wrote:
Tue Oct 03, 2017 5:09 pm
DW and I are visiting Paris in November. Should we buy tickets to museums and other attractions in advance? Also, what is a good place to buy some euro?

Thanks.
Definitely buy the Eiffel Tower tix well in advance or you could be standing in the line for 1-2 hours.
by aqan
Tue Oct 03, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5367

Re: Do you foresee a drop in housing prices in the next 5 years

A fools chase. If you're looking to buy a house buy it at your first opportunity. The longer you wait more anxious you'll be and end up buying at the market top.
by aqan
Sat Sep 30, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

Re: I bought a car without thinking too much about value

Haha.. happens to most of us after a big ticket item purchase. I think you got a pretty good deal and its an awesome car. You'll enjoy it. Why not drive to work once in a while instead of taking the train to enjoy your new ride.
by aqan
Thu Sep 28, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6446

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

If I could get the historical data going back to 1930I'd like to see how the strategy does during a random 15 year period. Any idea where to get this data?
by aqan
Thu Sep 28, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 32
Views: 3543

Re: I-Bonds?

Hi everyone. I'm pretty new here; have been lurking for the last month or so. Question: what are your current thoughts about buying I-Bonds, rather than alternatives such as Vanguard Total Bond Market, for the portion of an AA devoted to fixed income? Although the real rate of I-Bonds currently is ...
by aqan
Sun Sep 24, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8361

Re: Where do you get your news?

Bloomberg, Google News, Digg, late night comedy shows, lunch buddies.
by aqan
Sat Sep 23, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 1754

Re: Transfering 250K online from one bank to another

i have transferred a little under 100K earlier this year.. no red flags yet.
by aqan
Sat Sep 23, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to buy Apple Stock on 9/23?
Replies: 18
Views: 1936

Re: Is it a good time to buy Apple Stock on 9/23?

Why not take your 100k and buy VTSAX , Vanguard Total Stock Market Index Admiral Shares ? The expense ratio is 0.04% per year. And Apple stock is the largest stock % it owns as of now. So you get a big chunk of Apple stock. Plus, you are also buying the diversity of 3606 OTHER stock holdings so you...
by aqan
Wed Sep 20, 2017 2:31 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing. 450k cash
Replies: 33
Views: 3136

Re: New to Investing. 450k cash

My income is 160k. 25% tax bracket. The job is relatively secure. I work at this company for 5 years. New job with similar salary wouldn't take too long to find. This comes out as ~9700 net pay after 3% contribution to 401k all taxes. I also have +20k yearly bonus which is unreliable year to year. ...
by aqan
Wed Sep 20, 2017 2:20 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing. 450k cash
Replies: 33
Views: 3136

Re: New to Investing. 450k cash

you should do whatever helps you sleep best at night. unless you refi, paying down the mortgage some won't help your cash flow. Inaccurate statement... I also found out not too long ago that you can recast your mortgage when you pay down a substantial amount to your principal. https://www.thebalanc...
by aqan
Mon Sep 18, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 10291

Re: Why is TransUnion pushing True Identity vs credit freeze?

I didn't bother to read the fine print but I'm sure the answer lies in there.
by aqan
Fri Sep 15, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early mortgage payoff vs investing
Replies: 19
Views: 1635

Re: Early mortgage payoff vs investing

DOW on 4/25/08 = 12,891 DOW on 9/16/17 = 22,268 over those 9.423 years, the DOW's ROI averaged 6.25% That all assumes no inflation and no tax adjustments It also assumes no dividends. Taking the current Dividend Yield for Dow Jones Ind. Avg. Stocks , one would add 2.7% to get 8.95% ROI. Investing m...
by aqan
Mon Sep 11, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4244

Re: Electric car in evacuation situation

I can stock extra gas by filling some cans. If it is a full electric car (non-hybrid) how would you stock extra electricity? You need to drive out of state an the normal 3 hour drive will take you 12 hours - will your electric-charge last? Will there be a place to stop and charge on the way? Makes ...
by aqan
Mon Sep 11, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4908

Re: Do I need an Amazon Echo??.....

No one "needs" it IMO. Except maybe someone handicapped.
That said its a cool toy for a few days.. I'd get a used one to play with if you can put your privacy concerns aside.
by aqan
Sat Sep 09, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3264

Re: New Mobile Phone number - Now hounded by Collection Agencies

happened to me too.. after a few months of harassment I told them that 'Rob' died and the calls stopped:)
by aqan
Thu Sep 07, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47213

Re: Equifax customer information leak

If you have a Discover Card, their recent offer to monitor the dark web for members' social security numbers sounds good. I already had my credit frozen and recently signed up for the Discover offer. Not sure what action I'd take if Discover notifies me that my SS# is out there, but I guess it's go...
by aqan
Tue Sep 05, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2388

Re: Wine in laptop

IMO there's a great chance that laptop will be fully functional with a new keyboard. I just had it done with my work laptop... DD knocked over glass of water behind the laptop:( if you're handy you can replace the keyboard yourself otherwise take it to the local shop and have them do it. Hopefully t...
by aqan
Sun Aug 27, 2017 1:47 am
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 136
Views: 21225

Re: 30,000 in Checking Account

GridironGems wrote:
Mon Aug 14, 2017 9:52 pm
lostdog wrote:
Mon Aug 14, 2017 9:43 pm
Make sure you're maxing your 401(k).
I work for the state and their plan is terrible, so not interested 4% rate of return is what I get
Do they not offer S&P 500 index fund?
by aqan
Sun Aug 20, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13607

Re: I own no international stocks. Can you guess why?

hmm.. why should we guess? why don't you just tell us straight up.. we can handle.
by aqan
Sat Aug 19, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7381

Re: How useful is a home security system?

Your son slept through them smashing a glass door, breaking open a safe, and searching every room in the house (conveniently, except his)? Hate to say it, but I know who my prime suspect would be. Tough situation to be in as a parent. +1 You have to have a reason to rule him out OP. it may not be d...
by aqan
Sat Aug 19, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16230

Re: Lost $7000 today in ONE DAY!

whodidntante wrote:
Fri Aug 18, 2017 11:39 pm
abuss368 wrote:
Fri Aug 18, 2017 10:39 pm
As Warren Buffett noted during the financial crisis "things are on sale".
I don't hear him saying that right now.
I don't believe there's a financial crises either
by aqan
Sat Aug 19, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7226

Re: DUI lawyer - need advice

My dc is up on dui/oui charges for a first offense. A tree was hit with no injury to anyone. Is it worth it to spend more money on a more expensive lawyer or is this standard fees and terms from a judge that a less expensive lawyer can handle? Lawyer 1: $2000 fee upfront Lawyer 2: $6000 fee upfront...
by aqan
Sat Aug 19, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7226

Re: DUI lawyer - need advice

kramer wrote:
Fri Aug 18, 2017 1:09 pm
I don't know what or who a "dc" is?
Dear Child.

glad i was able to contribute something :)
by aqan
Tue Aug 15, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8596

Re: Is $9000 too much for a sectional sofa ?

Marjimmy wrote:
Tue Aug 15, 2017 11:39 am
Is $9000 too much for a sectional sofa ?

Yes.
Not if you have a billion dollars 😜
by aqan
Sun Aug 13, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 37
Views: 5374

Re: Luck with DirectTV Now?

Lindrobe wrote:
Mon Dec 26, 2016 2:51 pm
am having constant buffering issues. Has anyone else had this problem with DirectTV Now?
yup I did too... had to switch the resolution to 720P to make it work. give that a try.
by aqan
Tue Aug 08, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2688

Re: Selling company stock (90% of portfolio)

At 25 years you can afford to take some risk. After all no risk = no reward:)
I agree with leaving the 25K casino money in the game.... if you strongly believe in the potential of the company.