Search found 332 matches

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: 100
Views: 9514

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: 1395

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: 1395

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: 5691

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: 808

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.
by malabargold
Thu Feb 16, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: CRISPR Cas9 [Molecular biology - Targeted genome editing]
Replies: 9
Views: 808

Re: CRISPR Cas9

I think it probably has more than most biotech lottery tickets going for it.
So do MIT/Harvard, North Carolina State and Berkeley!
by malabargold
Wed Feb 15, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: CRISPR Cas9 [Molecular biology - Targeted genome editing]
Replies: 9
Views: 808

CRISPR Cas9 [Molecular biology - Targeted genome editing]

Anyone following/investing in the CRISPR Cas9 saga playing out
in biotech? Editas vs Crispr therapeutics, etc?
by malabargold
Tue Feb 14, 2017 11:24 pm
Forum: Investing - Theory, News & General
Topic: What Happened to Proxy Voting?
Replies: 13
Views: 1018

Re: What Happened to Proxy Voting?

It's been all electronic votes at our brokerages for
2 or 3 years
by malabargold
Tue Feb 14, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3212

Re: New cars or Pool?

Pool owner for 30 years.
Easy to care for in my opinion.
But drown-proof the kids and watch out
for the attractive nuisance
by malabargold
Tue Feb 14, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 20% into cash
Replies: 32
Views: 2677

Re: Moving 20% into cash

The main thing for long term investing success is not to be
so concerned with letting drops occur.

I've been a nearly 100% stock investor since the 1960's
and seen tremendous booms and crashes. Just ignoring it all and letting it ride has worked out very very well
by malabargold
Tue Feb 14, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Are stock valuations so high because interest rates are so low?
Replies: 28
Views: 2199

Re: Are stock valuations so high because interest rates are so low?

In part, but, much more so, that's why BOND values are bubblicious.
by malabargold
Tue Feb 14, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: Investing for kids...
Replies: 5
Views: 485

Re: Investing for kids...

Given the willful lack of financial literacy in this country,
I doubt you'd have a publishing success on your hands.

Best way to teach kids is to give them an account, and
have them earn, save and invest along side you.
by malabargold
Tue Feb 14, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4060

Re: Insane Bloodwork Cost (Quest Diagnostic)

Now I will chime in on the part that the OP will not be happy about. There is some personal responsibility here. You CHOSE a high deductible plan with very low premiums. That means the risk is being shifted on YOU. If you want better insurance that covers more (yours must be be pretty bad if they d...
by malabargold
Tue Feb 14, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for opinions [when to invest cash]
Replies: 7
Views: 544

Re: Looking for opinions

No one can predict the future.

Look yourself in the mirror.
When the market goes down 30% in a few short days will you see it as a buying opportunity,
or will you be petrified that it will go down another 30%?

Only you can set the allocation right for your temperment, and saving/spending habits.
by malabargold
Tue Feb 14, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5588

Re: Closed my Roth IRA due to political uncertainty - mistake???

Read the story about the guy who only invested at "market highs"
-right before big drops.

You say you are risk averse, but what about the risk of inflation?
by malabargold
Mon Feb 13, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Late father appears not to have taken RMDs
Replies: 34
Views: 3742

Re: Late father appears not to have taken RMDs

Tax lawyer.
Otherwise things worse than an IRA
will have been inherited.
by malabargold
Sat Feb 11, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8616

Re: Saved too much? What do you splurge on?

Donations to aid
Battered kids
Battered women
Battered animals
by malabargold
Fri Feb 10, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 3048

Re: Boats

Check out Boston Whaler line before you buy
by malabargold
Wed Feb 08, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5271

Re: Hardwood floors vs Wood Look Tile?

Really high-end wood-look tile appears indistinguishable
from exotic wood at point blank range.

It will be cooler to the touch without under the floor
radiant heat however
by malabargold
Mon Feb 06, 2017 11:52 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 59
Views: 8122

Re: A note of caution from Robert Shiller

Didn't he issue one last year, the year before that,
etc?
by malabargold
Sun Feb 05, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 315
Views: 19731

Re: Picking College and College Scholarships

For the very top tier schools, perfect, or near-perfect, test
scores and grades have very little meaning other than it clears the first and coarsest screen.

The real competition for admission starts after this preliminary hurdle.
by malabargold
Tue Jan 24, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7480

Re: Carribean island most like Hawaii

Grenada, Nevis
by malabargold
Wed Jan 18, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: 45 yr old Newbie starting late in the game. Please Help!
Replies: 18
Views: 1842

Re: 45 yr old Newbie starting late in the game. Please Help!

Consider: Maxing out Roth, then other retirement plan as you can, perhaps 80% total stock market, 20% total Bond market Get a few $100k of term life for your kids & Teach them about saving and investing NOW so they can avoid missteps Cheapest way for them to go to college is to do well in local ...
by malabargold
Sat Jan 14, 2017 2:03 am
Forum: Investing - Help with Personal Investments
Topic: HSA Suggestions: where?
Replies: 20
Views: 1618

Re: HSA Suggestions: where?

HSA bank has a paired investment account at TD Ameritrade, no commission ETF trades for Vanguard funds. If you leave $5K in your HSA cash account there are no fees, or you can put the whole amount at TD Ameritrade and HSA bank will charge $2.50/month HSA bank pays tiered interest on balances in cas...
by malabargold
Wed Jan 11, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Owning Only The Total Stock Market Index
Replies: 14
Views: 2496

Re: Owning Only The Total Stock Market Index

We have been 95+ % in stocks our entire lives. It has enabled us, along with good jobs and thriftiness, to accrue wealth far beyond what we will need or use. And now this has also allowed a stability and security exceeding that of bonds: our living expenses are less than 25% of our dividends. The ma...
by malabargold
Wed Jan 11, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 10224

Re: $600,000. Now what?

$600,000 yielding over 7%?
Watch out for a value trap.
by malabargold
Wed Jan 11, 2017 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Can you negotiate trading fees with Fidelity?
Replies: 16
Views: 1614

Re: Can you negotiate trading fees with Fidelity?

VBR can be purchased for $7.95
by malabargold
Tue Jan 10, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on how much % net worth to hold in cash
Replies: 9
Views: 962

Re: Need advice on how much % net worth to hold in cash

Guess I'd need to know your net worth since you ask what % of same to hold in cash
by malabargold
Tue Jan 10, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 60
Views: 4258

Re: Alaska cruise - Help me convince my family

you get a LOT more value and fun on an an interior trip rather than a cruise.
Absolute worst and most expensive vacation ($40,000+)
was an Alaskan cruise on Mariner Seven Seas
by malabargold
Tue Jan 10, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Silicone mat for small sheet pans !2"x 9"
Replies: 13
Views: 979

Re: Silicone mat for small sheet pans !2"x 9"

I generally avoid mixing heat, food, and synthetic polymers
at least as much as it's possible to do so
by malabargold
Fri Jan 06, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: What To Do With Large Bonus
Replies: 16
Views: 2255

Re: What To Do With Large Bonus

Don't forget the kids - college, etc
by malabargold
Fri Jan 06, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Some Money Off the Table
Replies: 22
Views: 2338

Re: Taking Some Money Off the Table

Can't predict the future, but I buy and hold, buy and hold, ad Infinitum - I just don't give up ownership of stocks, because they tend to appreciate over the long term better than most anything else
by malabargold
Fri Dec 30, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for staying the course
Replies: 20
Views: 1994

Re: Advice for staying the course

Don't get so tied up in net worth.

There are a things a LOT worse than losing money, and
even being poor (gasp).

Look for fulfillment and happiness elsewhere,
then you won't care a flip what happens in the market,
and conversely, in my case, at least you may make
more $ than ever
by malabargold
Thu Dec 29, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6571

Re: Affordable home exercise

Walking shoes
by malabargold
Fri Dec 23, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 2588

Re: Cappuccino/Espresso machine recommendations?

La Marzocca GS3, but it is very high dollar
by malabargold
Thu Dec 15, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 315
Views: 19731

Re: Picking College and College Scholarships

Harvard is consistently ranked at, or very near, the top
of "best value in higher education" lists. At least in financial terms.
Sometimes one does get what one pays for.
by malabargold
Thu Dec 15, 2016 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Good News For Bonds!
Replies: 98
Views: 11584

Re: Good News For Bonds!

And the good times like these will keep on rolling!
by malabargold
Wed Dec 14, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Good News For Bonds!
Replies: 98
Views: 11584

Re: Good News For Bonds!

It's bad news for most bonds and bond funds that you already own
by malabargold
Fri Dec 09, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: The value of OMY for early retirees (bridge years) [One More Year]
Replies: 49
Views: 4054

Re: The value of OMY for early retirees (bridge years)

If we only knew the year that we would die, then we would know how valuable each remaining year of our life was. What' s the point in having a more secure retirement, if you spent your last good health years at work? Find the balance that you can live/sleep with. On More Year [at work] = One Less Y...
by malabargold
Mon Nov 28, 2016 6:32 am
Forum: Investing - Theory, News & General
Topic: I'm calling a bond bottom.
Replies: 31
Views: 6863

Re: I'm calling a bond bottom.

Nope - long, long drawn out grind downward IMO
that will be the mirror image of the last few decades.

Govt debt and central bank engineering to keep rates
low as long as possible is your best hope
by malabargold
Tue Nov 22, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 223
Views: 23532

Re: Retreat to cash

This is certainly a political thread and should have been closed. The OP is political, and since the thread is still open my response is also necessarily political: The only "uncertainty" I see is whether all-but certain supply side tax cuts and regulatory reforms will boost the economy a...
by malabargold
Tue Nov 22, 2016 11:20 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 223
Views: 23532

Re: Retreat to cash

David Jay wrote:
LRonHalfelven wrote:...we've been in a period of certainty...


That's true - the past is always reasonably certain.



I take it you are not a fan of Leopold Von Ranke?
by malabargold
Tue Nov 22, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 223
Views: 23532

Re: Retreat to cash

[quote="marge-g"]Markets do not like uncertainty, and it would appear that with the new president, 2017 will bring a period of uncertainty on some major issues . . . I’m a long time investor and have never been scared off before . . . You demur several times that this isn't a political thr...
by malabargold
Tue Nov 22, 2016 8:18 am
Forum: Investing - Help with Personal Investments
Topic: A nice little windfall
Replies: 24
Views: 3893

Re: A nice little windfall

I think they should invest 50% and pay CC with 50%
- and get some financial counseling.

Investing 50% will prevent them just spending through it and
give them a small taste of what it's like to live below
one's means, save, invest and let $ work for them, not
against them.
by malabargold
Fri Nov 04, 2016 5:59 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 1792

Re: Visiting San Francisco

Ghirardelli Heritage Fairmont is a great place to stay.
Condo-style, and chocolate and ice cream galore,
Nice views.

Take the kids to Humphrey Slocombe Ice cream

Run up to Muir Woods.

If Alcatraz, take the night tour
by malabargold
Fri Nov 04, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: ACA income shuffle
Replies: 33
Views: 3887

Re: ACA income shuffle

Sorry, but we cordially have different opinions.
I pay $26,000 for a high deductible plan and
my Obamacare tax is around another $20,000.
by malabargold
Wed Nov 02, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: JOHN BOGLE'S NOMINATION FOR PRESIDENTIAL MEDAL OF FREEDOM
Replies: 50
Views: 7846

Re: JOHN BOGLE'S NOMINATION FOR PRESIDENTIAL MEDAL OF FREEDOM

Doubt this will happen: Financial industry full of big donors
by malabargold
Mon Oct 31, 2016 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Astra Capital Management
Replies: 8
Views: 946

Re: Astra Capital Management

It's no buffer for your temperament anyway.
Next market crash comes, you panic and tell them to
"Sell!" and sell they will
by malabargold
Wed Oct 26, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Juicer Recommendation?
Replies: 28
Views: 1797

Re: Juicer Recommendation?

Norwalk.
Turns out you can get blood out of a stone.

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