Search found 241 matches

by prettybogle
Sat Apr 28, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Would you make this financial decision??
Replies: 18
Views: 1726

Re: Would you make this financial decision??

We are a rural midwest couple working in an expensive area in TN. DH has been working fulltime for sometime now and I started working just last month. We are in late 30’s. DH salary 130k, my salary 75k. Our monthly rent is 1350. We are considering buying a upper 500s new house that will actually be...
by prettybogle
Sat Apr 28, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Would you make this financial decision??
Replies: 18
Views: 1726

Would you make this financial decision??

We are a rural midwest couple working in an expensive area in TN. DH has been working fulltime for sometime now and I started working just last month. We are in late 30’s. DH salary 130k, my salary 75k. Our monthly rent is 1350. We are considering buying a upper 500s new house that will actually be ...
by prettybogle
Sat Apr 21, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Relationship between Housing prices and wages
Replies: 3
Views: 680

Relationship between Housing prices and wages

With rapidly increasing housing prices, I am wondering if wages are increasing on an average across the country. Certainly DH salary is barely keeping up with inflation. Curious if our salary hikes are in the lower end of the current trend.
by prettybogle
Mon Apr 02, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451280

Re: U.S. stocks in freefall

I agree that the most widely tracked and backward looking economic indicators are strong, but I am concerned that it's held up only by cheap debt. The consumer has levered back up on all fronts (mortgages, autoloans, credit cards, etc.). Not much margin to absorb any shocks (trade war, higher gas p...
by prettybogle
Mon Apr 02, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451280

Re: U.S. stocks in freefall

Reading a lot of news articles stating that s & p closed below its 200 day moving average and it is a very bearish sign. Wonder what suddenly changed in 3 months that will lead us into bear market. Just in January there was a parade of big guys screaming we are in goldilocks market and it will only ...
by prettybogle
Sat Mar 31, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78255

Re: Netflix, Your Current Favorite Show

Watching the new docuseries ‘wild wild country’ - its about Osho spiritual movement in Oregon 80’s. Must watch !! I should say I am shocked and amazed this thing really happened in the good ole USA. Still cannot believe if it is true. Anyone from those times, is this really true ?
by prettybogle
Fri Mar 23, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451280

Re: U.S. stocks in freefall

Big bad and ugly R is coming ???
by prettybogle
Sat Mar 17, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: 20% of US population are millionaires !!!
Replies: 16
Views: 2778

20% of US population are millionaires !!!

A friend of us in his late 30’s is a newly minted millionaire as of this weekend. He threw a party to us yesterday and shared a surprising ‘fact’ that millionaire is no longer a big thing like it used to be and also 20% of US population are already millionaires. Is this really true ? I am very very ...
by prettybogle
Sat Mar 03, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Housing Budget Check (paging Watty / KlangFool)
Replies: 86
Views: 7006

Re: Housing Budget Check (paging Watty / KlangFool)

It is always nice to hear from KlangFool. His wisdom saved us from being enslaved to McMansion that we were almost buying. Thanks KlangFool :sharebeer
by prettybogle
Sat Mar 03, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 35
Views: 4494

Re: Job offer - no 401k offered

Thanks everyone for replies. As I am currently not employed, I may likely accept the offer for now. DH will start maxing hsa, contribute to both of our Roth, if we can under the limits. Just a quick update to my dearest boglehead friends, I accepted the offer and started the work this week. Happy t...
by prettybogle
Sun Feb 18, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Iphone 8 case suggestions
Replies: 2
Views: 214

Iphone 8 case suggestions

Just got my iphone 8 and am shopping for a case. Any suggestions please. Thank you.
by prettybogle
Sun Feb 18, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 3145

Re: Cell phone service

Thanks everyone for sharing very useful information. Dont mean to hijack this thread but any suggestions on what would be a good case for iphone 8 ? As of now, Apple iphone 8 case seems to be decent.
by prettybogle
Thu Feb 15, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 3145

Re: Cell phone service

If you’re a Comcast/ Xfinity internet customer, check out Xfinity mobile. If your current phone is unlocked and compatible (or you buy one of theirs) you could find the service dirt cheap (depending on your data usage) and you will get Verizon coverage. I think it could be one of the best deals goi...
by prettybogle
Thu Feb 15, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 3145

Cell phone service

I am using a cheap cell phone service provider Cricket. Very disappointed with the service but also dont want to go with expensive options like verizon. Any suggestions please.
by prettybogle
Sun Jan 21, 2018 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 35
Views: 4494

Re: Job offer - no 401k offered

But staying on topic, if it was my choice to make, I'd decline the job offer. Tough to say for you though, not knowing your particular circumstances. Are you currently employed, would this represent a significant bump in pay, what other benefits are offered? I agree. Unless this is an "offer you ca...
by prettybogle
Sat Jan 20, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 35
Views: 4494

Re: Job offer - no 401k offered

As DH is also working, what are our options in lieu of 401k to save on taxes ? Is DH maxing out his 401K? If not then have him max that out. You may or may not be eligible to make a deductible IRA or Roth contribution depending on your income. https://www.irs.gov/retirement-plans/ira-deduction-limi...
by prettybogle
Fri Jan 19, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 35
Views: 4494

Job offer - no 401k offered

I am considering a job offer - like everything about the job except the employer does not offer 401k at all. As DH is also working, what are our options in lieu of 401k to save on taxes ? We understand IRA may be an option but it has a limit of $5500 vs the $18500 limit of 401k. Any suggestions plea...
by prettybogle
Sat Dec 23, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1 year cd vs 11 month no penalty
Replies: 4
Views: 1067

Re: Ally 1 year cd vs 11 month no penalty

Thanks everyone for replies. They validated our decision to basically open no penalty cd of 25k each.
by prettybogle
Sat Dec 23, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1 year cd vs 11 month no penalty
Replies: 4
Views: 1067

Ally 1 year cd vs 11 month no penalty

Just noticed Ally is offering 2% 12 month cd, 11 month no penalty cd 1.75%. For 50k, difference in interest between these 2 is $200. We are debating if this is really worth to go 12 month and face withdrawal penalty. What are y’all doing ? Any benefits to 12 month cd that we are overlooking ?
by prettybogle
Sun Dec 17, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 18832

Re: What to do after losing $117k in stock market?

Another point to consider is does OP have too much cash sitting in bank? I am thinking he probably has ton of cash and that is tempting him to gamble. As he kept loosing in gambles, the losses did not look bad as cash holdings gave him illusion of no pain. If this is the case, its even more importan...
by prettybogle
Sun Dec 17, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 18832

Re: What to do after losing $117k in stock market?

OP, remember, most of us have lost money in some way or another. For example, one of our friends who also lives in florida lost 100kish in options trading. He is pretty good in technical analysis and all that stuff but that knowledge did not translate into wealth. Best course of action is forget tha...
by prettybogle
Tue Nov 07, 2017 11:01 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 10104

Re: "I took all my money out of the stock market and it feels amazing"

With most investing decisions, I have concluded that "all or nothing" is seldom the best approach. If your allocation is too risky for your taste, sure, cut back. However, this does not mean that you need to cut all the way back to zero! Sometimes life does not turn out the way one might project. H...
by prettybogle
Sat Oct 28, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4811

Re: Amazon kindle paperwhite

I received the kindle paperwhite today. I got few books like delivered. One of the first things I learnt is you can send any pdf to your kindle and it will convert to kindle friendly format. Super cool :D . Also, you can search on the web for plenty of free kindle books. I already found 2 free ones ...
by prettybogle
Fri Oct 27, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451280

Re: U.S. stocks in freefall

Tons of articles and analysts keep repeating the claim that since election last year, market jumped too fast in too short time. Looking at 7 year chart of s & p, it appears market is climbing up steadily at almost the same pace as last one year except for few hickups. I do not understand why analyst...
by prettybogle
Thu Oct 26, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4811

Re: Amazon kindle paperwhite

Although I am not prime member, my kindle is arriving this weekend itself :D . Our local library here does not have much of kindle collection. Please let me know what are any good online resources or free libraries for kindle books. I want to be ready to read my first kindle book :D
by prettybogle
Wed Oct 25, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4811

Re: Amazon kindle paperwhite

I just decided to give it a try so ordered paperwhite :D
by prettybogle
Wed Oct 25, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4811

Re: Amazon kindle paperwhite

Thanks y’all for replies. Looks like the members here are split about 50-50. Good reasons on both sides.
by prettybogle
Wed Oct 25, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4811

Amazon kindle paperwhite

I just got an email from Amazon alerting that kindle paperwhite is now reduced to 89.99. Does anyone here use it ? Is it worth it or just another electronic gadget that will strain eyes and also move us further away from physical things like books ?
by prettybogle
Wed Oct 25, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Who's got too much RE in India ??. Time to cash out??
Replies: 31
Views: 3690

Re: Who's got too much RE in India ??. Time to cash out??

We know few Indian families and some of them shared information with us that RE in India is very hot and investment doubles in less than 5 years. Also, they invest big chunk of their money in RE in india and Gold and indian bank deposits. In my not very knowledgeable opinion, it is a good idea provi...
by prettybogle
Wed Oct 18, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: First and maybe last option trade
Replies: 5
Views: 1018

First and maybe last option trade

So I finally gave in to easy money temptation of options and tried my first options trade today. After I took the position, I was literally glued to the screen until my sell order went through. Not a pleasant experience and this may be my last options trade. Do y’all trade options? Interested to kno...
by prettybogle
Tue Oct 17, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 8374

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

Lately, more and more experts are coming out predicting correction/recession/crash. Morgan stanley, marc faber also joined this band wagon. It may be tough to exactly time it but when it happens, it sure will be bad considering this is the second longest bull market ever.
by prettybogle
Sun Oct 08, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 11365

Re: Current Bull Market could last years

Good to see, basicaly classic BH, replies :D . I am also noticing several threads popping up in our great forum and the theme is very similar - markets at dangerously high levels so either they will crash down or this is the start of permanent prosperity. While we will never know the timing of next ...
by prettybogle
Thu Oct 05, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 11365

Re: Current Bull Market could last years

Wow looking at markets today it sure looks like we are all living in endless euphoria :D :beer
by prettybogle
Mon Oct 02, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 11365

Re: Current Bull Market could last years

Prettybogle, I have read few of your posts (including the desire to buy expensive house, and investing in Tesla), I really think you need to get more informed about finance and investing. I hope you won't take this the wrong way, but based on your posts, you lack even the simplest understanding of ...
by prettybogle
Sun Oct 01, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 11365

Current Bull Market could last years

Just read an article that details pretty logical reasons why this bull market can last years and years: http://www.marketwatch.com/story/this-is-why-the-bull-market-can-keep-running-for-years-even-if-investors-dump-stocks-2017-09-29?siteid=yhoof2&yptr=yahoo I am wondering if it is time to rewrite al...
by prettybogle
Mon Sep 25, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451280

Re: U.S. stocks in freefall

I always chuckle when this thread pops up very promptly on a down day. It is amusing to see some folks commenting here comes bear market and some other folks just laughing it off saying this is a great buying opportunity. I think one day the bear market will truly arrive. I will then look forward to...
by prettybogle
Sat Sep 23, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Management career job search
Replies: 8
Views: 1123

Re: Management career job search

Thanks for the replies. I'd really appreciate any pointers on job search, study materials, learning resources online and anything else helpful.
by prettybogle
Fri Sep 22, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Management career job search
Replies: 8
Views: 1123

Management career job search

Good Friday BH gurus. We really benefited a lot from the collective wisdom of everyone in this great forum. As always, Hope to get great advice, information on this one. I worked as a technology lead in a IT shop but gave a break of about 6 months and stayed home to take care of our daughter. I am n...
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: 3246

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: 3246

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: 2218

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: 2218

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: 5482

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: 5482

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: 25204

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: 7007

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: 7007

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: 7007

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: 1035

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 ?