Search found 442 matches

by aqan
Sun Jan 13, 2019 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 5k monthly
Replies: 25
Views: 2519

Re: How to invest 5k monthly

Half on the first day of the month and half on the last day of the month seems a bit odd. As it is actually half one day and half the next day. Now half on the 1st and half on the 15th might make some sense if only psychological support - but not the first option. :sharebeer I was about to say the ...
by aqan
Sun Jan 06, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20182

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Any chance you/spouse can get a second job? You need additional income to come out of your situation, every little bit will help you greatly.
by aqan
Sat Jan 05, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20182

Re: $40,000 in debt, bankruptcy seems to be the best option right now

How much equity do you have in the house? I'd consider selling the house and renting until you get back on the track.
by aqan
Tue Jan 01, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: CNN Headline: The Dow finishes off its worst December since the Great Depression
Replies: 15
Views: 2646

Re: CNN Headline: The Dow finishes off its worst December since the Great Depression

I've heard that in other places. Is December a special month or would they still be screaming their lungs out if it were a worst November since great depression?
by aqan
Sun Dec 30, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions sought $3.5 M Net Worth
Replies: 76
Views: 8890

Re: Opinions sought $3.5 M Net Worth

I'd try living on 130K in 2019, if works go part time on 2020.
by aqan
Thu Dec 27, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: QE, massive crash, Dow 3000?
Replies: 39
Views: 5799

Re: QE, massive crash, Dow 3000?

Do you normally find random people on the Internet and then just believe everything they write? Here's what you do: take the author's name and Google it. See what they wrote in 2016 or 2015 or 2010. Does it seem like they consistently make good predictions? Or does it seem like they have a track re...
by aqan
Tue Dec 25, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in free fall

DanMahowny wrote:
Tue Dec 25, 2018 8:39 pm
What are the robots doing when the market goes up?
which ones?
by aqan
Tue Dec 25, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: As of 12/26, should I be in cash?
Replies: 17
Views: 3593

Re: As of 12/26, should I be in cash?

IBD = Investors Business Daily? Beat the market with individual stocks? 22% down since August? At 64, my exact age also, I am 50% stock index funds and 50% bond index funds. I am down 5.07% for the year and am not considering going to cash. I am guessing you are "all in" on individual stocks and ta...
by aqan
Tue Dec 25, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in free fall

CULater wrote:
Tue Dec 25, 2018 9:06 am
DOW futures down 700. Could be an ugly Boxing Day.
this is how the rumors start.
by aqan
Mon Dec 24, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in free fall

Is this a simple correction or has something to do with trade war that's going on? Or perhaps a combination of both, which lead to snowball selling effect? or something more? I guess what I'm trying to ask is WHEN do we usually find out what caused the bear market (ie. When did we find out it was h...
by aqan
Sat Dec 22, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in free fall

Does anyone here believe that the short term bottom is in or is very close? I know most people here don't believe in market timing but just for the heck of it... I'll go first and say that we're pretty much done falling for now... that market may see some fallout from the govt shutdown (2-3%) but th...
by aqan
Fri Dec 21, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in free fall

Zigma wrote:
Fri Dec 21, 2018 7:29 pm
I read somewhere that it took 25 years for the DOW to recover from the great depression.
Nikkei peaked at ~39K in 1989 and 29 years later it's only about 50% of that (~20K). so yeah.. its entirely possible.
by aqan
Fri Dec 21, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: What will be the low for the S&P 500?
Replies: 87
Views: 7923

Re: What will be the low for the S&P 500?

1750 is when I'll go all in.
by aqan
Mon Dec 17, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in free fall

I have been buying the dip since October. I purchased a small amount whenever the SP500 drops 1% or more. I stopped doing that today. Not because I don't have the money to, but I feel the market has entered a territory that has no support in near term. I think the next "fun" thing is to guess where...
by aqan
Sat Dec 08, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12060

Re: 20M Inheritance - What is best option for small/no risk on principle?

I believe brokered CDs of 250k each will do it. I believe that the FDIC limit of $250k still applies to CDs: https://www.fdic.gov/deposit/covered/notinsured.html . So you'd need to buy a lot of different CDs to hold and insure your full amount. I agree with above that I'd want at least some stocks. ...
by aqan
Thu Nov 22, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: A bull market with low short term confidence
Replies: 8
Views: 1298

Re: A bull market with low short term confidence

diligentinvestor1994 wrote:
Thu Nov 22, 2018 5:37 pm
We’re in a bull market
Where is this coming from?
Last I heard 50% of the S&P constituents are in bear market territory.
by aqan
Tue Nov 20, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?
Replies: 14
Views: 1982

Re: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?

are you just being proactive and rebalancing or using the opportunity to buy the dip? either way you could be catching the falling knife make sure you're in for a long term.
by aqan
Mon Nov 19, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4991

Re: When is Too Long to Return a Hair Dryer to Costco?

Costco is letting people abuse the policy on purpose, they know that customer will feel confident about getting their money back 'no questions asked' and hence will be more likely to buy stuff when they're not sure about it. Some customers will end up keeping stuff they intended to return, increasin...
by aqan
Mon Nov 05, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lock mortgage rate at 5%?
Replies: 34
Views: 3822

Re: Lock mortgage rate at 5%?

My wife and I are set to close on our first house in a little over a month. Our lender is offering us the best rate he can offer. Up until last week, the rate was 4.875%. We hadn't locked the rate yet, and it's now moved to 5%. We can lock at 5% now for no charge based upon timing of closing, but w...
by aqan
Mon Nov 05, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 122
Views: 18246

Re: Are we in trouble?

I feel like we made some bad decisions and are headed for trouble but my spouse thinks we are just in a temporary bad spot and things will get better in 6 to 8 months. Please help me put things in perspective. anything i can do to help our situation. In case you didn't know with 370K in income you'...
by aqan
Fri Nov 02, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Buy or Lease New Car (Small Business Tax Question)
Replies: 5
Views: 462

Re: Buy or Lease New Car (Small Business Tax Question)

you can lease the car personally and still write off a percentage as a business expense. That should get rid of the higher insurance costs at least.
by aqan
Wed Oct 31, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4726

Re: Am I Risking My Life to Sell My Car?

(2) Drive the car to the nearest mechanic and have the tire replaced. The main positive here is safety. The main negatives as I see it are: (a) I have to pay to buy and install the new tire (not sure what this would cost); (b) if I then take the car to CarMax, I wonder if they will withdraw their a...
by aqan
Sun Oct 28, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in freefall

tennisplyr wrote:
Sun Oct 28, 2018 9:48 am
Haven't looked at my portfolio in over a month...life is good.
Deep down you know its down 6-10%.
JK.. I haven’t either and there’s no reason to at least the end of the year, when I do my yearly check up.
by aqan
Sun Oct 28, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What A Deal! [Affordable Care Act policy costs]
Replies: 28
Views: 4046

Re: What A Deal! [Affordable Care Act policy costs]

IMO You definitely need the catastrophic coverage for the worst case scenario. If you really don’t need any regular checkups etc, I’d go with the cheapest high deductible plan. If that happens to be 17K, so be it. At least its tax deductible :mrgreen: Another option I’ve heard on this forum is to ge...
by aqan
Thu Oct 25, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5245

Re: What to do with >$1000 in Amazon credits?

You can buy gift cards and liquidate them or give them as gifts. I saw that Amazon is selling Visa gift cards now. If you can buy those with your credits they can be liquidated as well. Make sure to use the bogleheads referral link so we can keep pretend not to care about the next market crash. Buy...
by aqan
Wed Oct 24, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in freefall

McGilicutty wrote:
Wed Oct 24, 2018 5:52 pm
DIVE! DIVE! DIVE!

I'm expecting a big whoosh-down a few days from now on Monday. I wish I had more dry powder to deploy but I plan to deploy what I've got at that time.
You can wish all you want but Mr Market always does opposite of common expectations
by aqan
Sun Oct 21, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Stealing ID using only name and SSN
Replies: 16
Views: 1366

Re: Stealing ID using only name and SSN

If my name and SSN are inadvertently given out to an untrusted third party, is it possible to use this information only (without additional information such as address, date of birth, driver license information, etc.) to steal identity or use them for other malicious financial abuses? In this day a...
by aqan
Sat Oct 20, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: What if your risk tolerance is lower than what's best for your portfolio?
Replies: 51
Views: 4009

Re: What if your risk tolerance is lower than what's best for your portfolio?

I keep hearing about bond market bubble, so not sure if increasing bond allocation will give much relief either. Unless you’re thinking about CD or T-Bills.
by aqan
Sat Oct 20, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 4048

Re: Protecting large sums of cash.

This topic keeps coming up here a lot. Just wondering when was the last time someone actually needed FDIC protection?
Don’t flame me, I’m not saying you should not care about it, just trying to put a perspective in my head.
by aqan
Fri Oct 19, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3071

Re: Selling to CarMax if maintenance lights on?

[post removed by admin LadyGeek]
there it is.. I was looking for this comment as I was reading down the thread.

BTW OP. I sold my 2000 Accord EX at blue book value for $3500. It had 90K miles on it and was in pretty good condition. this may give you some benchmark of what to expect.
by aqan
Sun Oct 14, 2018 1:47 am
Forum: Investing - Help with Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 43
Views: 7172

Re: $50,000: Should I buy now or wait for the market to drop further?

Btw, there is also no harm in leaving your cash in a money market fund earning over 2% while you figure this out... that's what I would do too. No one knows if market is going to drop or go up.. but no harm in waiting for a few days to let the dust settle down if you're unsure. DCA would be a good ...
by aqan
Sat Oct 13, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1405

Re: Drop in MPG (09 Civic)

Those are some really good tips. Although I don’t have this issue but it’s a good knowledge that can come handy anytime. This is why I love this forum.
by aqan
Wed Oct 10, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 23
Views: 2247

Re: Google's Titan Key for 2fa

If you leave the key plugged in all the time and someone steals your computer they have your 2fa too, right? I'm guessing they still have to know your password to get in. But they could likely recover the password via the attached 2FA key. Depending on the site I guess. I haven't used this particul...
by aqan
Wed Oct 10, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in freefall

ImUrHuckleberry wrote:
Wed Oct 10, 2018 9:13 pm
I was just looking at the implied open of the DJ and it went from -350 to -1200 and then right back to -370 a minute later. Anyone know what that means or if that is common?
someone trading after hours got owned :)

no clue.. just kidding
by aqan
Wed Oct 10, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 23
Views: 2247

Re: Google's Titan Key for 2fa

Firefox has experimental, opt-in support for u2f. I actually just found this at work today as I am trying to abandon Google Chrome after some of the recent changes they made. I got the same error message as you until I enabled it, and it works perfectly. https://www.yubico.com/2017/11/how-to-naviga...
by aqan
Wed Oct 10, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in freefall

Doom&Gloom wrote:
Wed Oct 10, 2018 8:09 pm
My loss today was almost exactly 100X the amount we expected to spend on a new lawnmower if I hadn't been able to repair our old lawnmower successfully yesterday. Today's loss is "meh"; yesterday's savings is "yahoo!" What is wrong with me?
unrealized loss vs real cash saved.
by aqan
Wed Oct 10, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in freefall

If you happen to deal in futures you care about points A LOT. This is the history of emini SP futures drops. Today is the second worst in history, behind the February one. This is what Mr. Bogle was referring to during the spring........gigantic point moves even compared to 87. http://i67.tinypic.c...
by aqan
Wed Oct 10, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in freefall

TeeDee wrote:
Wed Oct 10, 2018 6:41 pm
I’m still building up my portfolio. Must I buy on days like these? Feels like a Columbus Day dale to me.
be cautious, it could be a falling knife.
by aqan
Wed Oct 10, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 23
Views: 2247

Re: Google's Titan Key for 2fa

MP123 wrote:
Wed Oct 10, 2018 7:47 pm
If you leave the key plugged in all the time and someone steals your computer they have your 2fa too, right?
I'm guessing they still have to know your password to get in.
by aqan
Wed Oct 10, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781850

Re: U.S. stocks in freefall

Any turbulence and you can couton this thread to be on the top. Every one gets spooked so easily here.
by aqan
Mon Oct 08, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to NYC, self-employed, with a kid. How big will my tax hit be?
Replies: 22
Views: 2539

Re: Moving to NYC, self-employed, with a kid. How big will my tax hit be?

looks like you've decided to move anyway so how does it matter what the tax hit will be.. IMHO the cost of living will be much bigger hit than the tax hit. That's true, but the extra cost of living I can accept. I live frugally wherever I go. I just don't like the high income taxes of the city and ...
by aqan
Sun Oct 07, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to NYC, self-employed, with a kid. How big will my tax hit be?
Replies: 22
Views: 2539

Re: Moving to NYC, self-employed, with a kid. How big will my tax hit be?

looks like you've decided to move anyway so how does it matter what the tax hit will be.. IMHO the cost of living will be much bigger hit than the tax hit.
by aqan
Sat Oct 06, 2018 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 12145

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

The A/C was working since we had to open the home for pest control company few days prior to closing. They wanted pest control invoice submitted few days before closing so it's more current. Timeline: 20 days prior: Inspection done and only issue was pest control Wed: Pest Control and A/C was worki...
by aqan
Wed Oct 03, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Apple - macOS Mojave
Replies: 35
Views: 3044

Re: Apple - macOS Mojave

literally just upgraded and launched safari :)
I like the dark mode so far. Will update as I find out more.
by aqan
Mon Oct 01, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2539

Re: Invisalign and Dentist pricing

I’m currently on my week 2 for Smile Direct Club for $1850. I actually saw invisialign on groupon for $3000 but there was an additional $600 for the retainer and another $300 for can't remember what. I chose SDC because it was right Nextdoor to my work and much cheaper for the similar service. Neve...
by aqan
Mon Oct 01, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10896

Re: SEC charges Musk with Fraud!!!

Tanelorn wrote:
Mon Oct 01, 2018 3:27 am
Up 10-15% premarket on the news, about $300 again.
He has 9 lives err I meant 90. :)
by aqan
Tue Sep 25, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2539

Re: Invisalign and Dentist pricing

I’m currently on my week 2 for Smile Direct Club for $1850. I actually saw invisialign on groupon for $3000 but there was an additional $600 for the retainer and another $300 for can't remember what. I chose SDC because it was right Nextdoor to my work and much cheaper for the similar service. Never...
by aqan
Tue Sep 25, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: DIYers Taking a Toll
Replies: 50
Views: 6629

Re: DIYers Taking a Toll

He warned me that anyone can do well with index investing in a bull market but when/if it changes indexers will get crushed. seems like your son still has a lot to learn. One could argue that since record amount money is flowing into index funds, a slight fear can cause the whole index to unfairly ...
by aqan
Sun Sep 23, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: New immigrant with complicated situation
Replies: 24
Views: 2801

Re: New immigrant with complicated situation

I am puzzled by your receiving Medicaid within the first year of immigrating to the U.S. How did the NY state decide to waive the customary 5-year waiting period? Do keep in mind that the Department of Homeland Security has put out a draft regulation for public comments that will very likely deny g...