Search found 377 matches

by malabargold
Thu Apr 13, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to a Lazy portfolio : Should I wait for a market correction?
Replies: 16
Views: 2050

Re: Moving to a Lazy portfolio : Should I wait for a market correction?

Of course you should wait.
Just tell me precisely when it will occur
and I'll join you
by malabargold
Wed Apr 12, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna needs help hitting it big!
Replies: 22
Views: 2456

Re: Skeptical Tuna needs help hitting it big!

I just wanted to say that I think the trolling accusations are unfair and uncharacteristic of the open and welcoming nature of this forum. The poster has no debt, a spouse with a good job, minimal expenses, and is pursuing a high risk/reward venture that his spouse is on board with. I think there's...
by malabargold
Tue Apr 11, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking up with my Financial Advisor
Replies: 37
Views: 2514

Re: Breaking up with my Financial Advisor

After reading a lot on this forum and also the Boglehead guide to Investing I've decided that I need to take back control and stop paying high fees but I don't know how to break up with my financial adviser of 11 years. Naively I never thought to ask about his fees and with no experience of investi...
by malabargold
Tue Apr 11, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna needs help hitting it big!
Replies: 22
Views: 2456

Re: Skeptical Tuna needs help hitting it big!

Can't you get a paying job AND work on " the next big thing "?
Your wife deserves a gold medal
by malabargold
Tue Apr 11, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 8376

Re: Dream vacation spots?

One spot I don't see mentioned too often are the "fjords"
off Campbell River, on the east coast of Vancouver Island
Getting out on the water with the strong whirlpools, Orca,
seals, other whale, and eagles as thick as can be, feeding on fish from the massive upwell is a natural miracle
by malabargold
Tue Apr 11, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 8774

Re: Extreme Frugality vs Living Life - Where do you draw the line?

We have a NW just around $25m right now, believe me we've tried the lavish lifestyle, it brought us no joy, just diversion that was short-lived. Our main cars are a 1997 and two 2000 models, for example. We still buy indulgent things every once in a while, but typically sell them soon after. Not eve...
by malabargold
Tue Apr 11, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school tuition
Replies: 42
Views: 3385

Re: Can we afford private school tuition

Anything better to spend money on then your kids?

Just make sure your getting a bang for your buck - that
Message should reverberate from pre-pre K to their 3rd PhD!
by malabargold
Mon Apr 10, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?
Replies: 9
Views: 1046

Re: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?

you could look at both Prioritizing investments and Investment Order for general suggestions. Not identical advice, but perhaps similar enough that you could mix and match as needed to fit your personality. thanks FiveK. If I plan to max my 401K, backdoor roth and HSA all this year, does the sequen...
by malabargold
Sun Apr 09, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?
Replies: 9
Views: 1046

Re: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?

Your goals seem to have internal contradictions.
As does risk aversion and investing.
by malabargold
Sat Apr 08, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Retirement Plan Funds to Pay for NYC Apt
Replies: 3
Views: 640

Re: Retirement Plan Funds to Pay for NYC Apt

You probably won't be home much.

Gather, and keep, hay while the sun shines.

With the turmoil in healthcare no one, no one,
can accurately project earnings.
by malabargold
Thu Apr 06, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 10850

Re: High Income earners, whats your Tax Strategy?

For taxable use brk or etfs tilted toward growth and small
cap to lower dividends

establish trusts for kids

Tax loss harvest in all taxable, including kids

Munis if that's your cup of tea
by malabargold
Wed Apr 05, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5577

Re: Help with college choice

UCB for CS of the choices.
Great pipeline school.
by malabargold
Wed Apr 05, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Best investments for risk-averse retiree
Replies: 31
Views: 2039

Re: Best investments for risk-averse retiree

If you're risk-averse then you diversify into bonds. When stocks fall, money runs to the safety of bonds. Putting money in CD's is not investing. Does this look "risky"? http://investingadvicewatchdog.com/images-new/chart-2000-2015.jpg That is a really interesting graph. What bonds and wh...
by malabargold
Mon Apr 03, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Tour du Mont Blanc Sept. 2017
Replies: 13
Views: 1065

Re: Tour du Mont Blanc Sept. 2017

Reading accounts of the legendary alpinists of the mid-20th century will give you a perspective that will profoundly influence your appreciation of the area, A time before the luxury of modern mountaineering equipment and before the great routes were defiled with what's tantamount to mountaineering ...
by malabargold
Thu Mar 23, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my father's windfall
Replies: 25
Views: 2663

Re: Help with my father's windfall

I rarely suggest this, but in this case it seems prudent to use
life insurance (which I wouldn't call a windfall)
to pay off the massive (relative to income) debts.
And then, adopt a lifestyle to live beneath his means
asap!
by malabargold
Thu Mar 23, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 8453

Re: The $1,124,176 Car.

Couldn't agree more.
We have 3 cars: 2 from 2000 and one from 1997
almost 700,000.
by malabargold
Tue Mar 21, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 704

Re: Thoughts on ADR OTC stock??

Pump and Dump?
by malabargold
Fri Mar 17, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on an inheritance.
Replies: 15
Views: 1348

Re: Need advice on an inheritance.

Clearcreekfisher,

Yes invest mostly in stocks - if you don't anticipate needing the money any time in the next 5-10 years. Things go up and down in span of less then this, but overall - direction is upward right!
Rainbow, Bookies, or Brownies?
by malabargold
Fri Mar 17, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Using 12-13% of Retirement Funds to pay off Mortgage?
Replies: 23
Views: 2173

Re: Using 12-13% of Retirement Funds to pay off Mortgage?

Good God - NO!
AND Kids are NOT expensive.
Best bargain you've ever made!
by malabargold
Thu Mar 16, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 10087

Re: Anyone else taking less risk

Not in 50 years, because I've never seen a big market
pull back that wasn't a great buying opportunity in retrospect.
My dividends do a lot of buying these days.
by malabargold
Wed Mar 15, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4876

Re: Fidelity vs. Vangard?

Fidelity has held an edge in service for a long time. MYTH! :oops: That said, there are already a gazillion threads on this. Mods need to merge them. I have had accounts with both for decades. We only have 2 left at Vanguard. The difference in service, availability and knowledge level of personnel ...
by malabargold
Wed Mar 15, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: Fiduciary Checklist questions
Replies: 4
Views: 452

Re: Fiduciary Checklist questions

Why go with a local place?

If you don't want to manage your own investments
look into Vanguard portfolio advisory services or
a robo
by malabargold
Wed Mar 15, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4876

Re: Fidelity vs. Vangard?

Fidelity has held an edge in service for a long time.

Now it is very competitive with Vanguard on price,
and often beats it.
by malabargold
Wed Mar 15, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: Shiller says market is "way overpriced" - what a shocker
Replies: 34
Views: 4415

Re: Shiller says market is "way overpriced" - what a shocker

azanon wrote:At some point, prices really have to matter. They mattered to Bogle in the late 90s, and he took action based upon that. This fact is well documented.



Dumping stocks was a big mistake in hindsight
by malabargold
Wed Mar 15, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 5470

Re: "Don't time the market" vs. "Buy low, sell high"

Of course they are anything BUT mutually exclusive. I am quite confident that one day, the stock shares I've owned since the 1960's will one day be sold at a great profit, ditto the 1970's, etc., etc. "Not timing the market" implies long-term stock ownership, and it is exactly that very lo...
by malabargold
Sat Mar 11, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: Alternative Strategy for Returns with S&P 500 P/E High
Replies: 23
Views: 2126

Re: Alternative Strategy for Returns with S&P 500 P/E High

Your money's been in for the long haul, right?
So you've already enjoyed a lot of out-sized returns.
Now it may - or may not - be time for smaller returns.

That's how it rolls, just go with it.

Bulls and bears make money, hogs get slaughtered
by malabargold
Sat Mar 11, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Money, Children, Trusts, Oh My! - Parenting Tips Requested
Replies: 16
Views: 1929

Re: Money, Children, Trusts, Oh My! - Parenting Tips Requested

The right way isn't the easiest, as usual.

It's the years you put in of parenting, being an
active teacher, and an example, for your children that
will count most.

The right way to act will be ingrained in their psyche,
not merely codified in fallible tree pulp and ink.
by malabargold
Fri Mar 10, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 17943

Re: Sitting on cash....Waiting for a crash

You really don't seem to have the mindset to be a successful
long term stock investor.
You are going to be chasing your tail,
a behavioral pattern that will lock in sub par performance.
by malabargold
Thu Mar 09, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5731

Re: FI, early retirement at 40, how to get relevant tax advice?

Try to find jobs that aren't soul-crushing, but soul-nurturing.
They do exist!
by malabargold
Thu Mar 09, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5731

Re: FI, early retirement at 40, how to get relevant tax advice?

I don't think you can do it, at least not without regrets. Healthcare for six will only get more expensive. It gets even more expensive as you and your children get older. Most top colleges only give financial aid, not merit aid. And they do look into your investment portfolio, not just income. Righ...
by malabargold
Wed Mar 08, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11864

Re: How to make it easier for spouse upon death

A Word document will only get one so far. There simply is no substitute for at minimum, imparting your knowledge onto your various beneficiaries, Trustees, Executors, and Assigns. Financial landscapes shift, and the next great con artist lurks on each month's planning calendar. No easy substitute fo...
by malabargold
Mon Mar 06, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Too much house to buy in cash?
Replies: 14
Views: 1674

Re: Too much house to buy in cash?

Way too much unless you want to spend that retirement stuck "at home"
by malabargold
Thu Mar 02, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the Market (just once)
Replies: 37
Views: 2861

Re: Timing the Market (just once)

O.K. Say it tanks in 5 years.
95% of your net worth is this cash.
Will you have the fortitude to dump it all in?

Then what if it crashes even further?
by malabargold
Tue Feb 28, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 5158

Re: Fidelity drops equity trade fee to $4.95

I wouldn't use M-L if they paid me. The bastion of high fees and fighting fiduciary rules for far too long. We're talking Merrill Edge. That's a great discount brokerage. Merrill-Lynch raised to the power of Bank of America. Two of the worst financial services companies for customers known, in my e...
by malabargold
Tue Feb 28, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 5158

Re: Fidelity drops equity trade fee to $4.95

I wouldn't use M-L if they paid me.

The bastion of high fees and fighting fiduciary rules
for far too long.
by malabargold
Mon Feb 27, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Buffett chides his students for charging too much
Replies: 3
Views: 1527

Re: Buffett chides his students for charging too much

I think it's unfair to characterize these high-priced hedge fund type managers as his offspring.
Perhaps Julian Robertson's, et al is more appropriate.
by malabargold
Mon Feb 27, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Buffett interview Monday 2/27
Replies: 38
Views: 4480

Re: Buffett interview Monday 2/27

Thanks for the Info. I just submitted a question via Facebook. There are numerous questions about his index fund recommendations. I asked why he doesn't think it is a good idea to hold a portion in bonds to protect yourself from bad markets and behavioral mistakes. Has he said this somewhere for th...
by malabargold
Tue Feb 21, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: For people who think the market is going to crash, where along the continuum are we?
Replies: 117
Views: 11499

Re: For people who think the market is going to crash, where along the continuum are we?

I don't just think it's going to crash,
I KNOW it's going to crash.
When? That's the rub!
by malabargold
Tue Feb 21, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 5006

Re: Is 60/40 too conservative for 31 year old?

It's fine.

I've been essentially 95-100% stocks since the
1960's, but big drops never have bothered me.

Any recipe that caters to your specific risk tolerance and keeps
you invested, and prevents waves of panic selling, and panic buying, is a good plan
by malabargold
Tue Feb 21, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 42
Views: 5506

Re: Tesla Model X Review, 2 Months In

This is why I have 2 cars.

A 2000 E320 wagon and a 1997 Camry-
nearing a combined 800,000 miles.

The Tesla will have to wait.
by malabargold
Tue Feb 21, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 21525

Re: Extreme Valuations, and why you should reconsider

Stocks go up, stocks go down - this is news, this is insight?
No.
by malabargold
Tue Feb 21, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: IPhone in Japan
Replies: 20
Views: 3943

Re: IPhone in Japan

Messaging and photo sharing with the LINE app
is free and flawless
by malabargold
Tue Feb 21, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 5556

Re: Does anyone else have (possibly too much) fun dealing with finances?

There is a danger in too much handling - investments are like a bar of soap
by malabargold
Sat Feb 18, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 11492

Re: Who would quit playing if they already won?

This is the most meaningless, and sad, phrase I hear on this website - as if people just spend their working lives, and their pastime, in the robotic accumulation of wealth, so they can quit their dreaded occupation, and investing once they "have theirs" Many I believe work and invest for ...
by malabargold
Fri Feb 17, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance advice
Replies: 17
Views: 1582

Re: Inheritance advice

But you are not considering the flip-side, an important factor, and one which completely changes the moral of your story. Had you invested the money, even then (assuming you had a proper emergency fund) - your returns, plus dividends, would be very handsome indeed, - most houses even now, are just ...
by malabargold
Fri Feb 17, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance advice
Replies: 17
Views: 1582

Re: Inheritance advice

Welcome to the Forum. Your 2016 story is my 2008 story. In 2008 I'd been throwing extra money at my mortgage, and the balance was down to @$40,000. I received an inheritance. Everybody's advice was consistent: Do not pay off the mortgage, and use the inheritance money to fund your retirement. But I...
by malabargold
Thu Feb 16, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 58
Views: 6204

Re: Is it reasonable to have 100% in the stock market?

I've done it since the 1960's.
Worked out ok.
by malabargold
Thu Feb 16, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: CRISPR Cas9 [Molecular biology - Targeted genome editing]
Replies: 9
Views: 955

Re: CRISPR Cas9

I think researchers at North Carolina State were there
5 years earlier and hold around 20 patents involving CRISPR-Cas9 - but strictly related to prokaryotes and food science, which would seem to be very commercially viable, but I have not identified any startups from them.

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