Search found 1002 matches

by tesuzuki2002
Mon May 18, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14236

Re: Lowes vs Home Depot

HD is a good trader stock... I have cashed out on this one several times... you can easily back on this one dipping and spiking every year or 2. The big Dip was AWESOME since I got out in January.. The parking lots and lines at HD have been unreal here in CA... No way to social distance in their sto...
by tesuzuki2002
Thu Apr 30, 2020 12:20 am
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7150

Re: How do you explain no COVID19 Stimulus Payment?

I don't think the income restrictions were a big deal.... I only know of 2 people who received the stimulus... less than 1 % of the people I know and interact with... which means 99% didn't receive the stimulus... I don't run with a rich crowd... the $99K limit was not a high bar by any means... We...
by tesuzuki2002
Thu Apr 30, 2020 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Another 15 vs. 30 year mortgage toss up
Replies: 59
Views: 3807

Re: Another 15 vs. 30 year mortgage toss up

balbrec2 wrote:
Sun Apr 26, 2020 12:12 pm
If it fits you financial situation,
Borrow the least amount at the lowest rate for the shortest term possible.
You'll come out way ahead in the long term.
:sharebeer
by tesuzuki2002
Mon Apr 27, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7150

Re: How do you explain no COVID19 Stimulus Payment?

I don't think the income restrictions were a big deal.... I only know of 2 people who received the stimulus... less than 1 % of the people I know and interact with... which means 99% didn't receive the stimulus... I don't run with a rich crowd... the $99K limit was not a high bar by any means...
by tesuzuki2002
Sat Apr 25, 2020 4:50 pm
Forum: Personal Investments
Topic: Preparing for the storm ahead.
Replies: 59
Views: 6533

Re: Preparing for the storm ahead.

Airline Pilot. Are you eligible for the early buy out options going around?? I know it won't be your desired solution... but thinking that could be the next best move... then think about a career pivot into something else you'd like to do ? You have a couple of years to figure that out as my unders...
by tesuzuki2002
Sat Apr 25, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 173
Views: 18762

Re: Anyone planning on never retiring?

if you "retire" and do absolutely nothing with your days and your life you will likely become stupid, yes.... Keep growing, learning and doing things just on your own accord!!
by tesuzuki2002
Sat Apr 25, 2020 12:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5726
Views: 489316

Re: U.S. stocks continue to soar!

Setting aside market expectations for a moment, who here would have said that two months ago that after everything we've experienced that the market would only be down 16% from the highs? Either the market is incredibly resilient, incredibly hopeful, or incredibly stupid. Or maybe it's all of them....
by tesuzuki2002
Thu Apr 23, 2020 6:43 pm
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11396

Re: How are the "100% Stocks" people doing?

I was naughty and liquidated my emergency fund to buy more equities. Now I’m legit 100% equities , and only have a couple of thousand in cash. I am back forth on that... I am still holding 5% cash which is essentially my EF... anticipating the market going lower.. but who knows... If I dumped it in...
by tesuzuki2002
Mon Apr 20, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13480

Re: How many paid for kids' college?

My parents paid my Tuition... I worked diligently applying for scholarships as well as I worked during school to pay for my room and board expenses and Books. With a good internship I was lucky enough to land. I was able to pay off my only loan during my last year of school... However, this was at t...
by tesuzuki2002
Mon Apr 20, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Renewal by Anderson window prices
Replies: 39
Views: 3629

Re: Renewal by Anderson window prices

If these Pella windows rotted out... did you contact Pella about warranty? Just curious on that.. Why or why not and what the outcome was?
by tesuzuki2002
Sun Apr 19, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with volunteering at SparkPoint?
Replies: 2
Views: 302

Re: Anyone familiar with volunteering at SparkPoint?

If you are looking to volunteer it looks like a good way to give back to me!! I'd check it out.


I have no knowledge of that organization.
by tesuzuki2002
Thu Apr 16, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 15
Views: 1098

Re: Device for men's haircuts

squirm wrote:
Thu Apr 16, 2020 1:59 pm
my kids cut my hair for years. easy. take out clippers, snap on guard start cutting. us guys are lucky at least i am, cuz i don't care what my hair looks like, though kids do a good job. then i cut their hair. paying to get hair cut is so yesteryear.
exactly!!! :sharebeer
by tesuzuki2002
Thu Apr 16, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 15
Views: 1098

Re: Device for men's haircuts

Get a decent pair of clippers. I have not paid for a haircut since 2002...
by tesuzuki2002
Wed Apr 15, 2020 8:26 pm
Forum: Personal Investments
Topic: My friend says his Roth and 401k are higher than before the pandemic started
Replies: 49
Views: 5579

Re: My friend says his Roth and 401k are higher than before the pandemic started

My friend said his Roth IRA and 401k balances are higher than before this pandemic started. I am wondering how this can be? My accounts are down about 25-30% since the high in February. Back then the DOW was 29,500 and it's currently around 23,400 so that sounds about right. But he says the S&P is ...
by tesuzuki2002
Wed Apr 15, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 30595

Re: My theory about FIRE

I love my day job!!! I'd never be able to work on hundred million dollar aviation and space projects without it... I'm also a big fan of being FI and doing as I want to later in life.. I'm fairly comfortably at the FI stage for living and daily expenses... just need to work out healthcare long term....
by tesuzuki2002
Tue Apr 14, 2020 3:17 pm
Forum: Personal Investments
Topic: Just realized that I am still in the market (kind of) ...
Replies: 18
Views: 1434

Re: Just realized that I am still in the market (kind of) ...

VMFXX is a money market cash account... I personally don't consider that to be in the market...
by tesuzuki2002
Tue Apr 14, 2020 3:15 pm
Forum: Personal Investments
Topic: Just realized that I am still in the market (kind of) ...
Replies: 18
Views: 1434

Re: Just realized that I am still in the market (kind of) ...

vipertom1970 wrote:
Tue Apr 14, 2020 2:23 am
Man, kinda late for April Fools’ day.
:sharebeer
by tesuzuki2002
Mon Apr 13, 2020 5:35 pm
Forum: Personal Investments
Topic: FOMO Help - $1M to invest after avoiding all of the downturn
Replies: 57
Views: 5374

Re: FOMO Help - $1M to invest after avoiding all of the downturn

I'd say you missed it... I had some planning with cash on hand I was saving for a large market drop... No clue when... but this was our event... I cashed out all Bonds the 2nd week of March and put all in equity as well. I am still fully invested as I believe in the markets... A little dancing aroun...
by tesuzuki2002
Fri Apr 10, 2020 7:03 pm
Forum: Personal Investments
Topic: What should i do with my entire portfolio?
Replies: 9
Views: 946

Re: What should i do with my entire portfolio?

I go back and forth outside of my core positions with about 10% of my portfolio to play around with... It gives me something today and I generally do pretty well!
by tesuzuki2002
Fri Apr 10, 2020 3:53 pm
Forum: Personal Investments
Topic: Ladder limit orders on SPY, VOO vs SPY
Replies: 3
Views: 205

Re: Ladder limit orders on SPY, VOO vs SPY

My questions are: 1. What are your thoughts regarding the downward ladder limit orders on SPY, and what other potential risks/downsides are there? 2. What would you recommend as a better alternative? 3. Other than lower fees (VOO), what are the benefits (or downsides) of choosing VOO over SPY? I in...
by tesuzuki2002
Wed Apr 08, 2020 7:56 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16351

Re: What percentage of your paycheck do you invest?

Last year 71%.... likely the same or more this year.
by tesuzuki2002
Wed Apr 08, 2020 11:55 am
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12526

Re: [Panicked and moved to cash. What to do next?]

[Title was "I am a Massive Loser" --admin LadyGeek] -what do I do now? 37 yo male, about 1M in investments between roth, 401K, taxable accounts, 529s. All in cash. I do have a 7-8 month emergency fund in addition. Do I just lump sum it all back in? Do 5 percent a day? I'm very similar in status... ...
by tesuzuki2002
Tue Apr 07, 2020 3:22 pm
Forum: Investing - Theory, News & General
Topic: 401K and IRA millionaires - Fido vs Vang, Pre/Post Covid
Replies: 14
Views: 1576

Re: 401K and IRA millionaires - Fido vs Vang, Pre/Post Covid

These stats are meaningless. Of course 401k millionaires are 60 years old, there are contribution limits. I'm 39, have way less than a million in my 401k (due to age and having it all in bonds for asset location). My 401k doesn't even come close to accurately representing my financial picture. I wo...
by tesuzuki2002
Mon Apr 06, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: 401K and IRA millionaires - Fido vs Vang, Pre/Post Covid
Replies: 14
Views: 1576

Re: 401K and IRA millionaires - Fido vs Vang, Pre/Post Covid

These stats are meaningless. Of course 401k millionaires are 60 years old, there are contribution limits. I'm 39, have way less than a million in my 401k (due to age and having it all in bonds for asset location). My 401k doesn't even come close to accurately representing my financial picture. I wo...
by tesuzuki2002
Mon Apr 06, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6262

Re: Should I keep paying fitness center fees while it is closed?

The fitness center that I belong to is closed like many businesses right now. Nobody knows for how long. I just got charged on my credit card April's membership dues, because the gym owner thinks that we should keep paying him/her even though it is closed, because well, they have staff to pay and t...
by tesuzuki2002
Thu Apr 02, 2020 11:44 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6262

Re: Should I keep paying fitness center fees while it is closed?

The fitness center that I belong to is closed like many businesses right now. Nobody knows for how long. I just got charged on my credit card April's membership dues, because the gym owner thinks that we should keep paying him/her even though it is closed, because well, they have staff to pay and t...
by tesuzuki2002
Thu Apr 02, 2020 10:28 pm
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 18961

Re: Is the coming pain really "priced in"?

i think dow jones hitting 18k couple weeks ago was the bottom. this could be a local bottom yes... but only to a much bigger fall off... The numbers are trending up... +16K NEW cases in the US +490 deaths in just the last 11 hours... In another week, those numbers are likely to get very bad. The nu...
by tesuzuki2002
Wed Apr 01, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 18961

Re: Is the coming pain really "priced in"?

i think dow jones hitting 18k couple weeks ago was the bottom. this could be a local bottom yes... but only to a much bigger fall off... The numbers are trending up... +16K NEW cases in the US +490 deaths in just the last 11 hours... In another week, those numbers are likely to get very bad.
by tesuzuki2002
Wed Apr 01, 2020 12:50 pm
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 18961

Re: Is the coming pain really "priced in"?

Nobody knows nothin' But, speculating is fun, so I'll speculate for ya. (Don't trade on my speculations -- even I don't do that) Most people seem to expect the lockdowns to end in 2-3 weeks. People today seemed freaked out that California extended theirs through May 3rd. But, if the lockdowns work ...
by tesuzuki2002
Sun Mar 29, 2020 4:56 pm
Forum: Investing - Theory, News & General
Topic: Why decreasing stock allocation after a big dip can sometimes make sense
Replies: 131
Views: 5957

Re: Why decreasing stock allocation after a big dip can sometimes make sense

I would leave it as is personally. If there is that much of a market hit and not enough cash to make it thru the decline... I would suggest the person A go back to work for 6-16 months and only spend cash.. and really try to invest a little more! That will pay dividends for years in that scenario. ...
by tesuzuki2002
Sat Mar 28, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: Why decreasing stock allocation after a big dip can sometimes make sense
Replies: 131
Views: 5957

Re: Why decreasing stock allocation after a big dip can sometimes make sense

I'll try to put this another way. Person A has $1.5mil in assets (let's say, stocks/bonds). He is ~5 years from retirement. He has decided that he wants to enter retirement with no less $1mil, say. So, he can afford to lose 1/3 of total value. He chooses some asset allocation X, which he decides is...
by tesuzuki2002
Thu Mar 26, 2020 12:24 am
Forum: Personal Investments
Topic: Rick Ferri says to put aside something for "Bingo Money"
Replies: 76
Views: 9169

Re: Rick Ferri says to put aside something for "Bingo Money"

SPCE and BA Both are up Big since last Wednesday! :sharebeer
by tesuzuki2002
Thu Mar 26, 2020 12:23 am
Forum: Personal Investments
Topic: Dumping small value?
Replies: 107
Views: 8603

Re: Dumping small value?

This is when you want to start picking up Small value!!!
by tesuzuki2002
Thu Mar 26, 2020 12:20 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63134

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

We are dropping like a rock with the realization of the looking recession sets in... keep holding your cash!!!
by tesuzuki2002
Tue Mar 24, 2020 7:16 pm
Forum: Personal Investments
Topic: What's the downside to this
Replies: 44
Views: 3371

Re: What's the downside to this

NotTooDeepLearning wrote:
Tue Mar 24, 2020 4:40 pm
Something crazy could happen like oil dropping to $20 a barrel when the entire company was built around $60/barrel oil. Imagine that!

:P :P :sharebeer
by tesuzuki2002
Tue Mar 24, 2020 7:14 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9272

Re: What is your AA, given your age ? and this crisis ?

80/20 ... Age 36... I've been holding some bonds waiting for this opportunity that was long over due... I'm currently selling bonds and buying equity... I'm heading towards a 100% equity folio...
by tesuzuki2002
Tue Mar 24, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: Bond Strategy
Replies: 69
Views: 4719

Re: Bond Strategy

I'm selling bonds and buying equity in the current times...
by tesuzuki2002
Mon Mar 23, 2020 4:23 pm
Forum: Personal Investments
Topic: My inherited IRA is worth 5k LESS today than in 2015
Replies: 10
Views: 568

Re: My inherited IRA is worth 5k LESS today than in 2015

Yes, I don't know if that's possible it it were left untouched other than RMDs the last 5 years. I think you must have done more than China to make it that way? Total International via VTIAX is down about 29% from the highs of 2015 so even with dividends reinvested, it is certainly possible. +1
by tesuzuki2002
Fri Mar 20, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Under contract on home...thoughts?
Replies: 21
Views: 1551

Re: Under contract on home...thoughts?

I'd be looking for a 30 % discount from a week ago... we're heading into another recession... real estate is really going to drop and open up..

for me Personally, that is WAY too much house for your income.
by tesuzuki2002
Fri Mar 20, 2020 12:35 pm
Forum: Personal Investments
Topic: I knew this was going to happen and did nothing...
Replies: 107
Views: 9841

Re: I knew this was going to happen and did nothing...

Just kind of venting here - I was absolutely, 100% certain this was going to happen by mid February. The reason is that I watched 'The Stand' on TV when I was 9 and it put a fascination/fear of pandemics deep in my heart, so I was following the news coming out of China very, very early on. However ...
by tesuzuki2002
Fri Mar 20, 2020 12:30 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4309

Re: Lock loss or ride the wave with 15 years to go?

Ride the wave !!!! This is going to creator our economy and markets severely... worse than 2008... But look at how much money we have made since 2008... When this market comes back the opportunity to make money is 10 fold...
by tesuzuki2002
Fri Mar 20, 2020 12:16 am
Forum: Personal Investments
Topic: What to buy, what to buy?
Replies: 2
Views: 690

Re: What to buy, what to buy?

BA - Boeing
by tesuzuki2002
Fri Mar 20, 2020 12:15 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1494
Views: 121481

Re: [Small Cap Value heads Rejoice !!!]

Great time to finally get into SCV!!!
by tesuzuki2002
Fri Mar 20, 2020 12:15 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1494
Views: 121481

Re: [Small Cap Value heads Rejoice !!!]

Great time to finally get into SCV!!!
by tesuzuki2002
Wed Mar 18, 2020 4:27 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21565

Re: Okay, now when you do buy back in?

Waiting. To much turmoil and I believe market has another 10 to 20 percent down. Yes its market timing but I don't care. I do not need to buy stocks at all based on my anticipated financial future. I doubt I will buy until it appears there has been true capitulation. That is subjective I understand...
by tesuzuki2002
Wed Mar 18, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55566

Re: How to get Toilet Paper ? seriously.

quantAndHold wrote:
Mon Mar 16, 2020 6:12 pm
Do you have a neighbor you can borrow some from?
help out your neighbors!!! Ask them if they need anything! It will pay dividends when you need something...
by tesuzuki2002
Tue Mar 17, 2020 8:58 am
Forum: Personal Investments
Topic: The Black Swan is Here
Replies: 153
Views: 16828

Re: The Black Swan is Here

What annoys me about this swan is I felt like I could see it coming from a good distance away. Staying the course really led me strait into an iceberg. My defense strategy is that I still have the benefit of time. Hope you weren't 100% equity. TravelforFun I'm am personally going 100% equity!! My 2...
by tesuzuki2002
Tue Mar 17, 2020 8:57 am
Forum: Personal Investments
Topic: The Black Swan is Here
Replies: 153
Views: 16828

Re: The Black Swan is Here

yohac wrote:
Mon Mar 16, 2020 10:12 am
Yup, there was plenty of warning. Of course there have warnings on lots of other things too, which fizzled out. This one blew up in our faces (to use another analogy.)
So long as you don't touch your face.... it's fine!!!
by tesuzuki2002
Mon Mar 16, 2020 4:48 pm
Forum: Personal Investments
Topic: Will price of new car pricing increase or decrease?
Replies: 12
Views: 1476

Re: Will price of new car pricing increase or decrease?

Should be a fire sale on Fords!!!!