Search found 202 matches

by prettybogle
Sat Sep 16, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: S & P broke major technical/psychological number
Replies: 21
Views: 2613

Re: S & P broke major technical/psychological number

arcticpineapplecorp. wrote:
Sat Sep 16, 2017 10:53 am
These two statements are in opposition. If you believe the S&P500 will rise then why would you be still sitting on the sidelines? Isn't it better to invest at S&P500 at 2500 than 3000
Because at any time, we only invest a fixed percentage in the stock market. this will let us sleep well at night.
by prettybogle
Sat Sep 16, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: S & P broke major technical/psychological number
Replies: 21
Views: 2613

S & P broke major technical/psychological number

S & P broke and also closed above the key psychological number 2500. Pretty happy as this is very bullish and we may see 3000 in a year or so :D . Only regret is we still have 30k sitting in the sidelines waiting for a correction :( . This technical development may convert more bears into the bulls ...
by prettybogle
Sat Sep 16, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1572

Re: Audio books

Thank you everyone for very good information. It looks brooklyn public library is the best choice - both financially and selections.
by prettybogle
Thu Sep 14, 2017 11:05 pm
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1572

Audio books

I am shopping for cheap way of buying audio books. audible has $14 a month plan but you can effectively buy only once book with that. Where do y'all listen audio books from ? Whats the cost like ?
by prettybogle
Tue Sep 05, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3246

Re: Bought crypto currency

Surprised to see negativity on bitcoins. Digital/crypto currency has gotten approval from world's top billionaires eg bill gates, top schools eg MIT, CNBC etc. Predictions screaming bitcoin could jump from $4000 to $250000.
by prettybogle
Tue Sep 05, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3246

Bought crypto currency

We are excited/nervous to let y'all know that we purchased our first set of crypto currency - specifically litecoin @ $72 per litecoin. Hopefully all those bullish predictions turn true and litecoin will shoot up to $1000 :beer . Did anyone else jump into this crypto currency band wagon ? Would appr...
by prettybogle
Sun Sep 03, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

I have neen reading and thinking about your post for several days. First I spent 20 years in and around Knoxville before moving to Vegas for work. I also spent alot of time in Nashville. You are stressing out about something when you dont need to be. You are in the best position possible. Their are...
by prettybogle
Tue Aug 29, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6257

Re: Market timing alert !!

OP: I salute your wisdom of seeing the dark humor this early in your investing era. Some benchmarks to dread: Losing a month's pay in a one day market drop. I quit checking my portfolio balance when I could have a good day at work and a bad evening after seeing a sizable loss. In a recession, losin...
by prettybogle
Wed Aug 16, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6257

Re: Market timing alert !!

Thanks for good laughs y'all :D . We have not yet experienced a real bear market as DH started working during the last one. As much as we are investing aggressively thinking that it is for next 20+ years, we are not sure how we will react if a bear market does happen. Hopefully we will not panic sel...
by prettybogle
Tue Aug 15, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6257

Market timing alert !!

Today, We bought $10,000 worth of vgtsx, total international index. Red alert - There will be significant correction to the downside very soon :D :D
by prettybogle
Sun Aug 13, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Hsa investment account
Replies: 6
Views: 790

Hsa investment account

DH employer's hsa provider just started offering investment account. They will charge monthly fee, $5, for this. Is this normal for hsa accounts ?
by prettybogle
Wed Aug 09, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17121

Re: Life at crossroads. What would you do ?

Also, if this helps OP appreciate his options, our friends here in late 30's make around 120k and are happily buying 500k - 600k houses. I am almost sure their net worth is not even close to 500k.
by prettybogle
Wed Aug 09, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17121

Re: Life at crossroads. What would you do ?

Is this thread some kind of joke ? We are in mid 30's close to 40 and our net worth is 450k. OP says his net worth is 2 MILLION. In most areas of the US, that is considered as rich. Also, OP can easily work and enjoy stress free and very economical life style. Either our net worth is too low or havi...
by prettybogle
Tue Aug 08, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17121

Re: Life at crossroads. What would you do ?

HomerJ - I work in creating fairly complex and sophisticated products and services for fairly demanding Fortune 2000 enterprise companies. Outside of Seattle not too many areas where companies build the same products and services at scale. Believe me. I tried. On the operational side (that involves...
by prettybogle
Tue Aug 08, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17121

Re: Life at crossroads. What would you do ?

* Relocation - Yes, I have to start looking at this possibility. I agree. But what are the chances that I'll get a job outside of the Bay Area in tech when I can't get a job IN the Bay Area ? Seattle might be an exception. davidsorensen32, 1) Much better since you got nothing from this area. 2) Thi...
by prettybogle
Tue Aug 08, 2017 9:01 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7964

Re: Still Buying As planned Regardless Of The World Situation

I dont mean any disrespect to the OP, but I really do not understand the point of threads like this. We all very well know the responses - some rehash of 1. market timing does not work; 2. Dont do something just stand there; 3. Keep investing etc
by prettybogle
Mon Aug 07, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

bayview wrote:
prettybogle wrote:I am disappointed to let y'all know that 530k house is now sold :( .
Have they posted the actual sales price in your paper or online county tax site yet?
No.
by prettybogle
Mon Aug 07, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

I am disappointed to let y'all know that 530k house is now sold :( . Don't take it the wrong way, but if it were me, I would be motivated to work harder and/or get the second income to save for the dream house. Imagine if you or your husband bring in a second source of income to bring annual income...
by prettybogle
Sun Aug 06, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

I am disappointed to let y'all know that 530k house is now sold :( .
by prettybogle
Fri Aug 04, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

More new home constructions are popping up here with even higher price tags. We are totally bewildered and not understanding what to do. DH salary is still 130k. Thank God our rent is manageable for next year but we are really concerned how this plays out in coming years :(
by prettybogle
Fri Aug 04, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 276
Views: 38503

Re: Retreat to cash

Even with the political uncertainty and sensationalized news, one thing I'm certain is that I'm not going to routinely beat the market. I take comfort in having a plan and sticking to it, and tuning out the noise. This. We always try to maintain 50-50 (cash, market indices). So when we buy more of ...
by prettybogle
Wed Aug 02, 2017 9:41 pm
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 6551

Re: The Rise From 7,000 to 22,000

Of Interest :happy Stay the course Time,Not Timing "The extraordinary rise of the stock markets since early 2009 — when the Dow was a mere 7,063 — has greatly fattened the portfolios of American investors, especially the wealthiest ones." https://www.washingtonpost.com/news/business/wp/2017/08/02/d...
by prettybogle
Wed Aug 02, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17059

Re: Tesla - next big lottery ticket ?

OP here. I did make 50 bucks trading tesla stock today :) . Easy $50 every tesla earnings day :happy
by prettybogle
Wed Aug 02, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: 100K milestone - Thank you BH!
Replies: 15
Views: 2025

Re: 100K milestone - Thank you BH!

Congratulations! How many years did it take ? been in the workforce 9 years (had random summer jobs beforehand) ... graduated during the financial crisis so basically had to take crappy hourly jobs after undergrad ... got a masters ... used this "opportunity" (not having a real job) to travel ... w...
by prettybogle
Tue Aug 01, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11329

Re: Your "at peace" moments.

Almost there wrote:Start my day with Yoga every morning. Still amazes me how much it puts me at ease.
Also being totally overwhelmed with feelings of serenity and health.
This. Do you follow any teacher/guru ?
by prettybogle
Tue Aug 01, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: 100K milestone - Thank you BH!
Replies: 15
Views: 2025

Re: 100K milestone - Thank you BH!

Congratulations! How many years did it take ?
by prettybogle
Sun Jul 30, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17059

Re: Tesla - next big lottery ticket ?

great posts everyone. Really enjoyed them. The one thing I was wondering was for the prettybogle: how did you come to determine that the price that's worth $350 now will be worth $1000 in 10 years? What kind of valuation models did you run? Do you know econometrics? (would that even help)? Have you...
by prettybogle
Sun Jul 30, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17059

Re: Tesla - next big lottery ticket ?

Prettybogle, you were worried about a $100/month (and even a $30/month) increase in your rent, but now you have $5k of play money to throw at a popular stock? Sorry, but you missed the party. If you could go back five years and buy at 18, sure. But an overheated 350? There just doesn't seem to be m...
by prettybogle
Sat Jul 29, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11329

Re: Your "at peace" moments.

In our (DH and myself included) experience, best way to be at peace whenever and wherever you are is MEDITATION. But meditation does require regular practice and only then you will start reaping the fruits.
by prettybogle
Sat Jul 29, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17059

Re: Tesla - next big lottery ticket ?

Tesla was a lottery ticket until early 2013. It's now worth $55 billion, more than Ford ($44 billion) and GM ($52 billion). For you to jump from "$350 a share to $1000 in less than a decade", Tesla would have to increase in value to $157 billion, which is about what Ford, GM, Honda and Mitsubishi c...
by prettybogle
Sat Jul 29, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13040

Re: Another bay area housing thread..

Hi bogleheads, Have a question and would like some boglehead advice on how to value RSUs in the determination to buy a house in the bay area. About us: Trying to figure out how to buy a house in the bay area, an astronomically high COL area. Our decisions are whether to buy now what we can afford, ...
by prettybogle
Sat Jul 29, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17059

Tesla - next big lottery ticket ?

Tesla has finally released model 3 this weekend. The reviews so far are very good. We probably are witnessing another apple when it released first iPhone, another google when it started advertising on its search items, .... We are seriously debating to invest some play money, in our case, may be $50...
by prettybogle
Tue Jul 25, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

Dont mean to restart the same topic, but a coworker was mentioning that he knows some folks who bought multiple SFH homes. Apparently they are able to rent couple of them for about the same as mortgage amount. He also says there is no way in hell prices are going to come down here. Wondering if this...
by prettybogle
Mon Jul 24, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

Thanks everyone. Hope it all works out eventually.
by prettybogle
Sat Jul 22, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

And he is right. The insurance and taxes will go up *lot* more than $30 per month year over year when you do buy a house. Anybody who tells you otherwise will be lying to you. Yup. After this decision, a lot of stress is taken off of us and we enjoyed dining at a very nice restaurant last night :ha...
by prettybogle
Sat Jul 22, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

PettyBogle, But so are Seattle, Denver, Austin, Raleigh, North NTC corridor, Portland, Salt Lake City, Phoenix which are actually far ahead. I do not think Nashville is even close as the tech jobs are concentrated in IT area rather than into product/start_ up/Cross-areas like biotech:manufacturing:...
by prettybogle
Sat Jul 22, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

TareNeko wrote:Why the sad face? Is $30 a lot of money for you?
prettybogle wrote: Rent went up by about $30 per month :-(
No, for DH, it is basically no increase. Myself, after some honest reflection, feel like I overreacted and this is a manageable increase.
by prettybogle
Sat Jul 22, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

Come on, $30 per month means she would be paying extra $10,800 for next 30 years even if the rent did NOT go up from next year on wards. Now doesn't it make sense to go for $535K house to save that $10,800 in extra rent? We are not pursuing the $535k McMansion. Also we are not spending any time to ...
by prettybogle
Fri Jul 21, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

PettyBogle, But so are Seattle, Denver, Austin, Raleigh, North NTC corridor, Portland, Salt Lake City, Phoenix which are actually far ahead. I do not think Nashville is even close as the tech jobs are concentrated in IT area rather than into product/start_ up/Cross-areas like biotech:manufacturing:...
by prettybogle
Tue Jul 18, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

PettyBogle, But so are Seattle, Denver, Austin, Raleigh, North NTC corridor, Portland, Salt Lake City, Phoenix which are actually far ahead. I do not think Nashville is even close as the tech jobs are concentrated in IT area rather than into product/start_ up/Cross-areas like biotech:manufacturing:...
by prettybogle
Tue Jul 18, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

What are your concerns about re-sale value related to? The backyard, or something else? I thought that was strange as well. Why would you buy a house for a price that you cannot sell it for? By definition it would be an overpay - no? Here's the answer: They think the $535k house is so spectacular a...
by prettybogle
Tue Jul 18, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

With limited information, it does seem more reasonable for your needs. As much as you have it within yourself to ignore the possibility of your rent increasing, answer this question: Do you want this house? Honestly, we feel it as a compromise as the house does not have backyard and we are concerne...
by prettybogle
Tue Jul 18, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

After more searching, we found an almost new house, 2016 built, 2455 sqft, 4 bed 3 bath and a office room. But there is no backyard and garage is detached. Good schools and close to work. Will really appreciate feedback please! prettybogle, What is the price of the house? KlangFool Sorry, updated p...
by prettybogle
Tue Jul 18, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

After more searching, we found an almost new house, 2016 built, 2455 sqft, 4 bed 3 bath and a office room. Price is 420k. But there is no backyard and garage is detached. Good schools and close to work. Will really appreciate feedback please!
by prettybogle
Sat Jul 15, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

I am getting the feeling that OP *really* wants the house, has already made the decision to go for it and is looking for validation of her decision on this forum. Wrongfunds, we are actually quite okay living in a 2 bed room apartment. As I said in earlier post, our worries are 1. Rents will go eve...
by prettybogle
Sun Jul 09, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

No, you can't afford a $500K+ house. Why do you need that? You live in TN, a relatively LCOL place. Surely you can find something in the $250-350 range. No, it won't look like the $500K+ place. You don't need more than 2000 for three people. But you want more. Figure out the difference between want...
by prettybogle
Sun Jul 09, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

In my continued search for cheaper house, I see some houses with brick and some with vinyl siding. What is the difference ? What is the better choice for resale ? A brick house lasts longer and has less maintenance to deal with. Vinyl siding can be a pain to maintain, especially in the high humidit...
by prettybogle
Sun Jul 09, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

I understand everyone, including myself, here are internet strangers. But FWIW, I am dead serious and am asking these questions very honestly. My inexperience may come out as too dumb to believe for y'all experienced ones. It's real simple. Regardless of what rent increases may lie ahead: You can't...
by prettybogle
Sun Jul 09, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

I understand everyone, including myself, here are internet strangers. But FWIW, I am dead serious and am asking these questions very honestly. My inexperience may come out as too dumb to believe for y'all experienced ones. It's real simple. Regardless of what rent increases may lie ahead: You can't...
by prettybogle
Sun Jul 09, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19354

Re: Buying house - Very important decision

In my continued search for cheaper house, I see some houses with brick and some with vinyl siding. What is the difference ? What is the better choice for resale ?