Search found 857 matches

by minimalistmarc
Mon May 25, 2020 8:08 am
Forum: Investing - Theory, News & General
Topic: Jeremiah B. says to buy gold and silver
Replies: 29
Views: 1407

Re: Jeremiah B. says to buy gold and silver

Maybe stocks won’t crash 90% like in the Great Depression however when there are hard facts and the dominos are beginning to fall and the fed trying to increase lending programs and buying everything and we have 40 million unemployed and continuing to grow and when the economy comes back it will be...
by minimalistmarc
Sun May 24, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 145
Views: 8727

Re: S&P500 vs World Performance

Isn’t American outperformance mostly down to FAANG? Who knows where the next FAANG will originate? I mean, in the next few decades we’ll probably have self driving flying cars, cures for lots of incurable diseases, amazing new green technology. I’d rather cast my net wide. It’s an easier decision f...
by minimalistmarc
Sun May 24, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 138
Views: 16837

Re: Any Instant Pot users here?

The instant pot is amazing. When my wife bought it I rolled my eyes but over the last six months we have made lots of Bolognaise, chicken curries, macaroni cheese, fish, soup, rissotos and even cheese cake and other cakes. Also, I always make boiled eggs in it these days, perfect peel eggs every tim...
by minimalistmarc
Sun May 24, 2020 5:08 am
Forum: Investing - Theory, News & General
Topic: Two Portfolio Adjustments during Covid-19
Replies: 7
Views: 674

Re: Two Portfolio Adjustments during Covid-19

Another reason not invest in active funds. Seeking “Income” is a behavioural error. Just sell shares.
by minimalistmarc
Sat May 23, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: Peer to peer lending in this day and age
Replies: 40
Views: 2117

Re: Peer to peer lending in this day and age

I did a smulation and I could sell most of my loans now, but due to a market rate re-adjustement I would lose some money. I'd get back roughly as much as I invested 3 years ago. Not sure what to do, probably for a start I might stop re-investing the repayments, which would allow me to ease out of t...
by minimalistmarc
Sat May 23, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: Peer to peer lending in this day and age
Replies: 40
Views: 2117

Re: Peer to peer lending in this day and age

I did a smulation and I could sell most of my loans now, but due to a market rate re-adjustement I would lose some money. I'd get back roughly as much as I invested 3 years ago. Not sure what to do, probably for a start I might stop re-investing the repayments, which would allow me to ease out of t...
by minimalistmarc
Sat May 23, 2020 7:22 am
Forum: Investing - Theory, News & General
Topic: Peer to peer lending in this day and age
Replies: 40
Views: 2117

Re: Peer to peer lending in this day and age

Has P to P ever really been severely pressure-tested? All the best in 2008 Zopa, where I invested (Uk) already existed and managed to navigate the crisis. Personally, I would liquidate anything possible in P2P (probably very little) and put it into long term investments equities or high grade bonds...
by minimalistmarc
Sat May 23, 2020 5:20 am
Forum: Investing - Theory, News & General
Topic: Peer to peer lending in this day and age
Replies: 40
Views: 2117

Re: Peer to peer lending in this day and age

I have got a little investment (less than 100k) in P2P in the Uk where I live; I hardly ever watch it but at this time I get messages from the company Zopa explaining that many borrowers will be late with repayments due to the current situation. Zopa had navigated the 2008 crisis rather well, so I ...
by minimalistmarc
Sat May 23, 2020 5:12 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett "Most People Shouldn't Pick Individual Stocks"
Replies: 36
Views: 2671

Re: Warren Buffett "Most People Shouldn't Pick Individual Stocks"

Stock picking is incredibly difficult. Once you realize that stock prices are forward looking, it clicks. I work with people who still and always will have the attitude of "this company is solid, their stock will perform well." Everyone else knows the company is solid, too, and will thus pay for th...
by minimalistmarc
Sat May 23, 2020 5:08 am
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 36
Views: 2276

Re: Amazon Prime delayed shipping

I’m in the U.K. I joined amazon prime mainly for the the TV content. We do order a lot from amazon and have been quite happy with the delivery times. I have £500 of amazon vouchers sitting in my account and often adding more so I use them even if they are a bit more expensive
by minimalistmarc
Fri May 22, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4107

Re: COVID - 19 things to do

Get in the best shape of your life. Our office closed for several weeks, and I don't think there was any other period of my life where I ran more miles in that span of time. The endorphins help you feel better as well. You don’t have young kids do you? I do not. I purposely do not so I can do stuff...
by minimalistmarc
Fri May 22, 2020 8:10 am
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4107

Re: COVID - 19 things to do

climber2020 wrote:
Tue May 12, 2020 8:48 am
Get in the best shape of your life. Our office closed for several weeks, and I don't think there was any other period of my life where I ran more miles in that span of time. The endorphins help you feel better as well.
You don’t have young kids do you?
by minimalistmarc
Wed May 20, 2020 3:56 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

Thank you for essentially making my point. I have no idea if you are right or wrong. You may also want to consider the possibility that you don't either. In any case, I was responding to a poster who claimed that no one was making sich dire claims back on March. Not only were they doing that then, ...
by minimalistmarc
Wed May 20, 2020 12:58 pm
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3051

Re: New bogleheads induction [Request for new subforum]

Wondering if we should have a sub forum where newbies can hang out for a while until they learn the ropes rather than trying to convince the rest of us we should cash out and wait for a crash or get into bitcoin / oil futures? And what do you think newbies will learn from other newbies? Bogleheads ...
by minimalistmarc
Wed May 20, 2020 7:34 am
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3051

Re: New bogleheads induction [Request for new subforum]

Wondering if we should have a sub forum where newbies can hang out for a while until they learn the ropes rather than trying to convince the rest of us we should cash out and wait for a crash or get into bitcoin / oil futures? And what do you think newbies will learn from other newbies? Bogleheads ...
by minimalistmarc
Tue May 19, 2020 3:00 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

Where are all the people that sold in March because this time was different and we were heading for the biggest crash of all time? I don't recall lots of people saying in March that we were heading for the biggest crash of all time. There were loads. There were more than a few who went all to cash ...
by minimalistmarc
Tue May 19, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 20894

Re: Where My 100% Equities Peeps At?!?

If it wasn't for the Great Depression more investors would be 100% equities. Surely that episode of history must give people pause for thought? If I was about to put in my life savings which had previously been invested in cash at an all time high maybe, but I’m comfortable with a Great Depression ...
by minimalistmarc
Tue May 19, 2020 7:27 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

Where are all the people that sold in March because this time was different and we were heading for the biggest crash of all time? I don't recall lots of people saying in March that we were heading for the biggest crash of all time. There were loads. There were more than a few who went all to cash ...
by minimalistmarc
Tue May 19, 2020 4:06 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

newyorker wrote:
Tue May 19, 2020 4:04 am
So I guess bottom is behind us. Stock prices are crazy high.
Nothing crazy about it, and I don’t know if they are high or low
by minimalistmarc
Mon May 18, 2020 5:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5583
Views: 478757

Re: U.S. stocks continue to soar!

I'm so glad I didn't react to the trolls back in February and March. That was hell reading those sell now troll posts. Calling people with a different and well researched opinion a troll is a pretty silly thing to do. I guess I was a "troll" for suggesting sell side action in late-February/early-Ma...
by minimalistmarc
Mon May 18, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: Wall Street says stocks are very overvalued
Replies: 45
Views: 3862

Re: Wall Street says stocks are very overvalued

Wall Street will help you beat the market for a small fee. No refunds.
by minimalistmarc
Mon May 18, 2020 9:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5583
Views: 478757

Re: U.S. stocks continue to soar!

nick_r wrote:
Mon May 18, 2020 8:47 am
Obviously, whatever happened, it wasn't "Already priced in."
Signs are economy is recovering better/faster than predicted.

When news is better than that being priced in by the markets , equity prices rise and bogleheads have a :sharebeer
by minimalistmarc
Mon May 18, 2020 6:04 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 145
Views: 8727

Re: S&P500 vs World Performance

Isn’t American outperformance mostly down to FAANG? Who knows where the next FAANG will originate? I mean, in the next few decades we’ll probably have self driving flying cars, cures for lots of incurable diseases, amazing new green technology. I’d rather cast my net wide. It’s an easier decision fo...
by minimalistmarc
Sun May 17, 2020 6:30 am
Forum: Personal Investments
Topic: Stock Screen
Replies: 21
Views: 1010

Re: Stock Screen

I looked at a few companies that met this criteria back in 2015 and they have all been flops. --Price-to-book-value ratio ranks in the bottom quartile (25%) of the stock universe; --Price-earnings ratio ranks in the bottom quartile (25%) of the stock universe; --Long-term-debt-to-equity ratio is le...
by minimalistmarc
Sat May 16, 2020 9:36 am
Forum: Personal Investments
Topic: What NOW!! [Portfolio help]
Replies: 38
Views: 2261

Re: What NOW!! [Portfolio help]

If I had a bankroll of 9m cash , I would sell a weekly 300contracts of spy puts for strike price of -$10 below current share price and collect about $60,000 in cash weekly. Repeat again weekly adjusting the strike price up or down. Eventually might get assigned. At that point you hold an sp500 inde...
by minimalistmarc
Sat May 16, 2020 9:35 am
Forum: Personal Investments
Topic: What NOW!! [Portfolio help]
Replies: 38
Views: 2261

Re: What NOW!! [Portfolio help]

Thank all of you for your guidance and comments. At this point setting up appointment with Vanguard advisor, sitting on sidelines waiting for election season to be over. I fear that the worst is yet to come and my comfort level is low. Some deep rooted psychological issues here, I’m surprised you e...
by minimalistmarc
Sat May 16, 2020 9:24 am
Forum: Personal Investments
Topic: Stop me from market timing!
Replies: 36
Views: 2461

Re: Stop me from market timing!

OP, There's over 100 vaccines currently in some stage of development, with 8 already in either Phase 1 or 2 human trials. Even if it's unlikely we'll see a fully tested/approved vaccine in widespread use in CY2020, it's quite likely we'll at least be getting some positive news tidbits on this front...
by minimalistmarc
Sat May 16, 2020 7:22 am
Forum: Personal Investments
Topic: Stop me from market timing!
Replies: 36
Views: 2461

Re: Stop me from market timing!

OP, There's over 100 vaccines currently in some stage of development, with 8 already in either Phase 1 or 2 human trials. Even if it's unlikely we'll see a fully tested/approved vaccine in widespread use in CY2020, it's quite likely we'll at least be getting some positive news tidbits on this front...
by minimalistmarc
Sat May 16, 2020 7:13 am
Forum: Personal Investments
Topic: Retirement Planning Today’s $ or Future $?
Replies: 18
Views: 914

Re: Retirement Planning Today’s $ or Future $?

I just do it in today’s dollars. Everything will adjust for inflation naturally (not cash)
by minimalistmarc
Fri May 15, 2020 10:09 am
Forum: Personal Investments
Topic: What NOW!! [Portfolio help]
Replies: 38
Views: 2261

Re: What NOW!! [Portfolio help]

Vanguard life strategy 30:70. Done.
by minimalistmarc
Fri May 15, 2020 7:06 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

First, the virus doesn’t care how old you are. The young and the old are dying. This is not true though. Young and old are dying but not at remotely the same rate. For example in NYC the death rate for 75+ was 73x higher than for 18-45. Oh, okay. And what's the death rate for people 75+ versus 18-4...
by minimalistmarc
Fri May 15, 2020 4:35 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

With rising unemployment continuing as long as this virus is in control of everything in our lives, yes it's going down more. This is the riskiest markets I've ever seen, and with great reasoning, anyone can understand why. Death is final, and this virus is leaving many lives at the end. Wisdom die...
by minimalistmarc
Fri May 15, 2020 3:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18785
Views: 2626408

Re: U.S. stocks in free fall

Just curious. Since you went to cash you probably will pay tax on capital gains? Did you expect it or it doesn’t buzzer you to pay big bill at once? Maybe it is not that big? Just trying to put myself in your shoes) mentally. I suppose this is a good point. Admittedly, I am young and my portfolio i...
by minimalistmarc
Fri May 15, 2020 1:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18785
Views: 2626408

Re: U.S. stocks in free fall

Futures are down. Tomorrow’s looking to be another good day. Nice one, nailed it. Hope you followed your instincts and took advantage of the good day yesterday. Can I ask how you knew the market was going to have a great day based on futures being down, or is that secret market timing genius you wi...
by minimalistmarc
Fri May 15, 2020 1:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18785
Views: 2626408

Re: U.S. stocks in free fall

Older generations are pulling up the ladder to protect what they have and they also saddled younger people with obligations and presided over deteriorating infrastructure. This is true. I've been "presiding over deteriorating infrastructure" all day today. :P Typical comment displaying boomer arrog...
by minimalistmarc
Thu May 14, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 213
Views: 10011

Re: Paul Tudor: Compelling case for bitcoin ?

It always amuses me how millennials fail to realise that they will one day also be boomers.

Ahh, I’d love to be in my 20s again!
by minimalistmarc
Thu May 14, 2020 8:34 am
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3051

Re: New bogleheads induction

JoMoney wrote:
Thu May 14, 2020 8:29 am
I think that forum exists over at reddit, morningstar, yahoo finance comments, and literally hundreds of other message boards.

FWIW, you don't have to comment or read threads that annoy you.
Sure, but often they jump into existing long standing threads as well
by minimalistmarc
Thu May 14, 2020 8:22 am
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3051

New bogleheads induction [Request for new subforum]

I’ve noticed that the vast majority of new posters on this forum are still convinced regarding market timing and other similar themes. The experienced, long term posters spend a lot of time trying to (often unsuccessfully) teach these newbies. Personally, I’m starting to find it quite tiring. Wonder...
by minimalistmarc
Thu May 14, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18785
Views: 2626408

Re: U.S. stocks in free fall

Looking forward to the decline in equities. SPX 1800 is when I jump back in. No charting magic here -- just have an ability to realise that [MACRO, non-noise] bad = down and good = up Sorry, but the data tells a different story than the narrative, and for all the aphorisms and boomer-isms thrown ab...
by minimalistmarc
Thu May 14, 2020 1:41 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

Im sitting in cash waiting for the fear of missing out rally to die out, which today might mark the start of that. I bought some stocks back in March and early April, then start saving my cash waiting for the market to come to reality again. I know you guys arent market timers and Im not either, bu...
by minimalistmarc
Wed May 13, 2020 5:07 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

Im sitting in cash waiting for the fear of missing out rally to die out, which today might mark the start of that. I bought some stocks back in March and early April, then start saving my cash waiting for the market to come to reality again. I know you guys arent market timers and Im not either, bu...
by minimalistmarc
Wed May 13, 2020 5:05 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

Robot Monster wrote:
Wed May 13, 2020 4:50 pm
Scott Minerd tweeted this afternoon, "Stocks have clearly topped the recent uptrend. Now we find out if this is 1930 all over again."
Who?
by minimalistmarc
Wed May 13, 2020 8:01 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2828
Views: 1854413

Re: The Three-Fund Portfolio

I started investing in 2013 (60 total US, 40 international). You have 40% in international? Or you have 60% in equities (with 40% of the 60% being international) and 40% in bonds? Just asking because a 60/40 stocks/bond split seems fairly normal around here, but 40% in international as percentage o...
by minimalistmarc
Wed May 13, 2020 1:27 am
Forum: Personal Investments
Topic: Follow along if you want (market timing maybe)
Replies: 26
Views: 2897

Re: Follow along if you want (market timing maybe)

barberakb wrote:
Wed May 13, 2020 12:10 am
The housing market definitely hasn't slowed down where I am. Have found a couple of houses I was interested in that have sold before I could even go look at them. Still looking for another property.
with the money I made by holding since you sold, I can buy a small house in my area :sharebeer
by minimalistmarc
Tue May 12, 2020 2:38 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

Just my opinion here. The low is behind us (because the Fed won’t let it go that low again), but there is a lot more downside risk than upside potential ahead of us for at least the next year. The market is pricing in perfection. I don’t think the market ever priced in perfection as that is an unli...
by minimalistmarc
Tue May 12, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13023

Re: Will "work from home" destroy the commercial real estate market?

Have seen a surge of referrals of patients with alcohol related liver disease, tipped over the edge due to drinking a lot more than usual while working from home.
by minimalistmarc
Tue May 12, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4818

Re: 90%+ chocolate bar

Manoa chocolate, based in Hawaii they even have a 100% cocoa bar. My favorite is their breakfast bar and Hawaiian sea salt bar. Best chocolate I have ever had 100%! I wasn't aware they existed. Any idea how's it's even possible, I mean how it's different from those cocoa nibs which are pure cocoa? ...
by minimalistmarc
Tue May 12, 2020 2:12 am
Forum: Non-US Investing
Topic: Bond fund for UK resident
Replies: 6
Views: 436

Re: Bond fund for UK resident

I like VAGP (vanguard global aggregate bond) ETF.

I don’t fully understand bonds, and don’t currently hold any (I’m 100% equities with vanguard all world), but if I do start to add them I will continue to hold the entire global market with VAGP.
by minimalistmarc
Mon May 11, 2020 8:28 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63037

Re: So bottom is probably behind us....right?

My gut feeling (not actionable) is that the bottom is long gone and that bears who sat fearfully on the sidelines trying to market time won’t get another shot at it. Even if bears finally get in now and accept they got it badly wrong, I think in 15 - 20 years time today will be seen as an excellent ...