Search found 79 matches

by Psyayeayeduck
Wed Apr 18, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 8190

Re: Why am I even holding BND? It has only been losing me money.

When you lack defense (bonds), you are exposing yourself to every little blip, feeling, and (ir)rational thought that moves the markets. If you can stomach the day-to-day jumps (good or bad), go nuts. If not, don't go 100% on anything. On good bull runs, your question becomes the norm. On bear runs,...
by Psyayeayeduck
Mon Apr 16, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5392

Re: Costco gas

No. Lines are too long, and the "savings" translate to, maybe, a couple of dollars, at most. My time is much more valuable.
by Psyayeayeduck
Fri Apr 13, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10675

Re: Work Commute: How far is too far?

The worst job I had post-college had a commute time of 1.5-2 hrs in DC traffic going from MD to VA. After that job, I vowed never to do that again regardless of pay. No job is worth my time which I can never get back. After that, I only will accept jobs with a 30 minute commute or less. Luckily I fo...
by Psyayeayeduck
Wed Apr 11, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investing
Replies: 24
Views: 1801

Re: Emergency Fund Investing

I actually have a tier system when it comes to my emergency fund. The more severe the emergency, the higher tier I'm willing to go to "cash out". I'll give you an example: - (Tier 1) Checking account with about a month's worth of expenses as a buffer over my normal spending habits - (Tier 2) Savings...
by Psyayeayeduck
Thu Mar 29, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 695
Views: 56132

Re: To take or not to take delivery of Tesla 3

All the news about Tesla and the questionable parts in quality made me appreciate my Prius. While not as fancy as some of the other cars out there, it made me realize how grateful I am how well she has treated me over the years. I have to say I love my Prius and the fact that it is bullet proof. I ...
by Psyayeayeduck
Wed Mar 28, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 695
Views: 56132

Re: To take or not to take delivery of Tesla 3

All the news about Tesla and the questionable parts in quality made me appreciate my Prius. While not as fancy as some of the other cars out there, it made me realize how grateful I am how well she has treated me over the years.
by Psyayeayeduck
Thu Mar 22, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: Do you Continue to invest even in down market??
Replies: 54
Views: 6320

Re: Do you Continue to invest even in down market??

For my main investments, I have a "stay the course" method for my HSA, 401k, and Roth IRA and hit their maximum limits. This gives me solid foundation that if things fall to the wayside, I have a financial safety net to catch me. For my secondary investments where I'm using extra money to make more ...
by Psyayeayeduck
Mon Mar 19, 2018 5:12 am
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5117

Re: Tires on a 15 year old car....Replace or not?

Never skimp on anything that is between you and the ground. This includes, but not limited to, beds, shoes, and tires. Does that include caskets? At that point, I wouldn't care. Donate my body to science and whatever is left over is free reign. Now that I think about it, I wouldn't be opposed to a ...
by Psyayeayeduck
Thu Mar 15, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5117

Re: Tires on a 15 year old car....Replace or not?

Never skimp on anything that is between you and the ground. This includes, but not limited to, beds, shoes, and tires.
by Psyayeayeduck
Mon Feb 26, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10675

Re: How Far is too Far, Commuting?

If I looked at all jobs I had post-college, the worst one I had was 2+ hours one way in Washington DC traffic. That lasted, at most, 1 month. It wasn't worth it at all even with the bump in pay. My current job is 5 minutes away with two traffic lights and one of those traffic lights is from a school...
by Psyayeayeduck
Wed Feb 07, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 12999

Re: Am I saving too much for retirment?

https://farm5.staticflickr.com/4734/39408665641_95e7a57516_o.jpg https://www.fidelity.com/viewpoints/retirement/how-much-money-do-i-need-to-retire Maybe you can answer this because I can't get a clear answer to this for a while now. When they say salary, does that mean my starting salary at the beg...
by Psyayeayeduck
Tue Feb 06, 2018 7:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371648

Re: U.S. stocks in freefall

I think these drops is a great example of "Put up or shut up" when it comes to investing. Coming off a year of 20% return, I think a lot of people were on a sugar high expecting the unusually high returns of 2017 to continue into 2018. Looking at futures and how the international stocks are doing, i...
by Psyayeayeduck
Thu Jan 18, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7952

Re: Short Commute or Nicer House?

If I had those two choices? Easily the first choice, no question. Time is a precious, rare commodity that shouldn't be wasted on a commute with variable timescale.
by Psyayeayeduck
Wed Jan 17, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: 23 Years Old, Uncomfortable with Target Date Funds
Replies: 19
Views: 2205

Re: 23 Years Old, Uncomfortable with Target Date Funds

My answers to your questions: 1. Perfectly fine. As long you weigh the pros/cons of each, I don't see much of an issue. The reasons you listed are valid. Pensions are a rarity in today's market. Relying on them seems foreign to me being a mid-30 yr old and unreliable. 2. Target Date Funds are good f...
by Psyayeayeduck
Tue Jan 16, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 62816

Re: What's your one big takeaway from the Crash of 2008?

Emotions are your enemy in a time of panic.
by Psyayeayeduck
Tue Jan 09, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 39180

Re: Year 2000 retirees using the '4% rule' - Where are they now?

To me, the issue now, for those of us approaching retirement is the prospect of lower-than-historic returns...at least for the immediate horizon. I know that none of us can predict, but the fact that Jack Bogle has cited this possibility has me running all of my calculators on a much-lower expectat...
by Psyayeayeduck
Tue Jan 02, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: College scholarships: How much should I pencil in for my future students?
Replies: 54
Views: 2697

Re: College scholarships: How much should I pencil in for my future students?

One should never expect anything from anyone especially scholarships. Everyone thinks their Little Johnny is special that deserves the full ride which is laughable. Its highly competitive at the top with very little chance of return. So the next best thing that one can do to relieve the financial bu...
by Psyayeayeduck
Fri Dec 22, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: flex account $500 carryover question
Replies: 9
Views: 382

Re: flex account $500 carryover question

From what You are only able to transfer $500 to the next year per year and that is it. Doesn't matter where the other amounts came from in any year. I'm asking because twice I was told by customer service reps that the $500 would essentially carry forward forever, but yesterday (of course, nearly th...
by Psyayeayeduck
Fri Dec 22, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: flex account $500 carryover question
Replies: 9
Views: 382

Re: flex account $500 carryover question

You are only able to transfer $500 to the rolling next year per year and that is it. Doesn't matter where the other amounts came from in any year.


*Edit: Corrected
by Psyayeayeduck
Thu Dec 21, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Son purchasing one parent's share of house
Replies: 11
Views: 1180

Re: Son purchasing one parent's share of house

barnaclebob wrote:
Wed Dec 20, 2017 2:20 pm
Seems like a bad deal for the son. Its best that parents and children do not let their finances become intertwined.
God, I can't stress this enough. +1 (times infinity)
by Psyayeayeduck
Mon Dec 18, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 6140

Re: Spending on myself, am I off base here?

It's not that easy though. If your spouse never spends on themself, it's unlikely they'll feel the need for a "discretionary" account that is very big. So ever though this is a seemingly straightforward solution, it's still something that might cause disagreement. I don't see how this is hard at al...
by Psyayeayeduck
Mon Dec 18, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 6140

Re: Spending on myself, am I off base here?

It's not that easy though. If your spouse never spends on themself, it's unlikely they'll feel the need for a "discretionary" account that is very big. So ever though this is a seemingly straightforward solution, it's still something that might cause disagreement. I don't see how this is hard at al...
by Psyayeayeduck
Mon Dec 18, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 6140

Re: Spending on myself, am I off base here?

I've always been in the camp of "as long as the important things are taken care of, go reasonably nuts!". Replace pinball with any other luxury. Vacation, a car, brand clothing, hobbies, etc. It doesn't really matter what. Does it bring happiness? Does it break the bank? Does it impair you financial...
by Psyayeayeduck
Thu Dec 07, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26563

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

fatlever wrote:
Thu Dec 07, 2017 8:29 am
Bitcoin has been fueled by speculation but what if it results in an economic black swan event?


You are calling it a black swan when we are smack in the middle of it not knowing if it is a black swan event or a bear's den. Seems like a foolish conclusion with limited data.
by Psyayeayeduck
Thu Dec 07, 2017 6:39 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 26563

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Bitcoin went to over 14,000 overnight. Does this mean more people are throwing money into bitcoin or it is more valuable for some other reason. I know this is a stupid question, but I want to understand. Bitcoin feels like dot.com stocks to me, with people jumping on the momentum. But I don’t know ...
by Psyayeayeduck
Wed Dec 06, 2017 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11979

Re: Didn't buy Bitcoin at $4600

More power to the people who want to play the Bitcoin game but it sounds more like a stressful mind game disguised as an investment. I don't understand it nor do I know what it tangibly produces. Everything feels like a giant Mexican standoff between buyers and sellers waiting for the other to make ...
by Psyayeayeduck
Fri Nov 10, 2017 5:59 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2887

Re: PayPal alternative?

I've done Google Wallet with zero hiccups for years.
by Psyayeayeduck
Tue Nov 07, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 10938

Re: Disposable income... how?

My favorite commercial serves as a reminder of comparing oneself to others financially: https://www.youtube.com/watch?v=r0HX4a5P8eE
by Psyayeayeduck
Mon Oct 30, 2017 6:53 am
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 137
Views: 8699

Re: To Avatar or not to Avatar . . how did you choose or not choose?

It's a popular Pokemon that I grown to love and identify as my spirit animal over the years (another is Wobbuffet) -- lovable, well-traveled, and too dimwitted for its own good.
by Psyayeayeduck
Mon Oct 30, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Basic money management s/w for a mac-based millennial English major?
Replies: 21
Views: 1554

Re: Basic money management s/w for a mac-based millennial English major?

Good ol' fashion Excel worked for me. Alternatively, you can also use the "good enough" free version of Open Office or LibreOffice to keep track of expenses and such.
by Psyayeayeduck
Mon Oct 30, 2017 5:02 am
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3600

Re: Upgrade my Roku?

Timely post. I just upgraded my Roku 2 to Roku Premiere+ and it is leaps and bounds faster than my old one. I did it about a few weeks ago and love the purchase.
by Psyayeayeduck
Tue Oct 24, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan: To Pay or Not to Pay: That is the Question
Replies: 33
Views: 3961

Re: Student Loan: To Pay or Not to Pay: That is the Question

Assuming other financial areas are taken care of and not a factor in your decision, I would lean towards paying it off. Your variable rate of 3.83% is at that gray area (3%-4%) where people will argue for days on paying it off now versus chipping it away over time. The reason I'm leaning towards pay...
by Psyayeayeduck
Mon Oct 23, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 23
Views: 2685

Re: Cold feet

Darn Tough Socks. Easily one of the best socks out there. A little expensive but you are getting quality out of it.
by Psyayeayeduck
Thu Oct 19, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371648

Re: U.S. stocks in freefall

Somehow I knew this thread would come back to life today. :twisted: I'm so guilty of this as of late. It's becoming my new favorite pastime -- checking this thread when there's a large drop in the markets. Never disappoints. Whether the cause is from politics, anniversaries, or some other voodoo me...
by Psyayeayeduck
Thu Oct 19, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371648

Re: U.S. stocks in freefall

DaftInvestor wrote:
Thu Oct 19, 2017 9:03 am
S&P and Dow down only 0.5% at the moment (with NASDAQ down 1%) - let's see if this is the day some have been waiting for.
It's also the 30th Anniversary of Black Monday!

https://www.axios.com/the-30th-annivers ... ce=sidebar
by Psyayeayeduck
Tue Oct 17, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 8718

Re: How many miles/years do you keep your car?

When I got my Prius 10 years ago, it had about 19k miles. Now, it is about to cross the 110k mile mark. I kept up with the maintenance close to the recommended schedule and planning to keep her until she can't go no more. She has treated me well; I provide her the same care. From what I read from ot...
by Psyayeayeduck
Mon Oct 16, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 6505

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

In addition to everything else mentioned, I would also say that while Future Me welcomes a financial stable life every time I make a contribution or make smart financial moves, it is also important to take care of Present Me as well since Present Me is doing all of the work. People forget to take ca...
by Psyayeayeduck
Fri Oct 13, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 2093

Re: Washington DC Trip

My wife and I will be visiting Washington DC. We plan to see the tourists sites. We will be staying in Springfield Va and taking the metro to the Foggy Bottom metro station. We plan to get a pass for the hop on hop off bus. Can anyone recommend which bus service? Also, can any one recommend a relia...
by Psyayeayeduck
Wed Oct 11, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 7972

Re: Which Streaming Service/Live TV?

FYI, I live in an area with poor TV reception via rabbit years and tried out the major streaming options out there. My take: - With Sling TV, I had a relatively okay experience with them via Roku. The channel selection was okay but they didn't offer local channels except for one when I used them las...
by Psyayeayeduck
Tue Oct 10, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 4530

Re: HSA’s: What level of risk do you prefer?

I was lucky enough to put in 100% in VFIAX in my HSA. Not planning to change it any time soon.
by Psyayeayeduck
Tue Oct 10, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: McDonalds Rick and Morty Szechuan Sauce...$995 ?
Replies: 16
Views: 2738

Re: McDonalds Rick and Morty Szechuan Sauce...$995 ?

moghopper wrote:
Tue Oct 10, 2017 7:05 am
Psyayeayeduck wrote:
Tue Oct 10, 2017 6:19 am
...unhealthy cult following that this show has
It is neither unhealthy nor a cult. It is just a show. :annoyed
The show is fine. It's the obsessive fans that ruins it for the casual viewer. Regardless, we are going off topic so I'll lump this to "agree to disagree" and move on.
by Psyayeayeduck
Tue Oct 10, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: McDonalds Rick and Morty Szechuan Sauce...$995 ?
Replies: 16
Views: 2738

Re: McDonalds Rick and Morty Szechuan Sauce...$995 ?

Combine limited availability (about 20-40 sauce packets in selected stores) with the unhealthy cult following that this show has and you get asinine prices like this (and fools who buy them). The sad part is that (1) the sauce can be found in many Americanized Chinese restaurants, (2) people waited ...
by Psyayeayeduck
Thu Oct 05, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 49
Views: 10163

Re: 2M savings investment help

tbone555 wrote:
Wed Oct 04, 2017 6:38 pm
You are overthinking this IMO. Be happy for what you have achieved at such a young age instead of what could have been.
+1

"Perfection is the enemy of good enough."
by Psyayeayeduck
Wed Oct 04, 2017 5:41 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 25979

Re: MoviePass-Too good to be true, but it's legit.

I guess I have no idea how this will be sustainable for the company, but I will milk this as long as I can. If I had to guess, I think it is a two-fold punch behind this. One, concession stands is where theaters make their money. So if there is more traffic coming to the theaters, that translate to...
by Psyayeayeduck
Tue Oct 03, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 617
Views: 64102

Re: Picking College and College Scholarships

This will get buried with the sea of posts but hopefully one day someone reading this will follow my path regarding scholarships. As a full-ride scholarship recipient (undergrad and grad), I found some tips along the way that made life financially easier. ============================================...
by Psyayeayeduck
Thu Sep 28, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 5261

Re: Which bogleheads have a "high need to take risk"?

Not me, but I see a lot of posts where people are. I think they (at least the younger ones) should be told that 80/20 and doing more saving, even if it means going without, is a far better way to reach their goal. If the goal is not worth doing without to achieve, is it really that important of a g...
by Psyayeayeduck
Tue Sep 19, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3899

Re: How much do you spend on "entertainment"?

I estimate about $200-$300/mo but I have a wide cast when it comes to entertainment like movies, concerts, gaming, eating out, etc. I'm a big believer in making sure the important stuff is taken care first before expanding my entertainment budget. Are the 401k, HSA, and Roth IRA being funded at a sa...
by Psyayeayeduck
Thu Sep 14, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax is a mess
Replies: 21
Views: 3864

Re: Equifax is a mess

For me, I was able to put a freeze at Equifax in the evening hours when most people are away from their offices. I was able to freeze my credit with no issues at all.
by Psyayeayeduck
Wed Aug 09, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Issue with PNC Bank
Replies: 8
Views: 920

Re: Issue with PNC Bank

Advice on what to do here? Just suck it up and move on? Lesson learned, quit banking w/ PNC? Do I take it to the extreme and open up a complaint with the BBB? It's just beyond frustrating and I've been dealing with it for almost 2 months now. What you need to ask yourself is if it is worth moving t...
by Psyayeayeduck
Wed Jul 26, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 4018

Re: YouTube TV - Anyone used or currently using?

I tried it out last week to take advantage of their 1st free month promotion. Pro: - App interface is incredibly smooth on my android. You can preview live channels as you scroll the channel list. Quite handy if you want to see if your channel is on a commercial or not right there and then. - Since ...