Search found 104 matches

by bo105954027
Fri May 22, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19264

Re: What is your most luxury/expensive hobby.

I spend $70-$80 a month feeding birds and other wildlife. My hobby makes me feel so guilty that I contribute more to the local food bank. DMW I’ve considered this especially after pandemic cuts off most HUMAN social activities. However my state restricts feeding wildlife seriously and it’s hard to ...
by bo105954027
Fri May 22, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19264

Re: What is your most luxury/expensive hobby.

Resort and Golf in Hawaii, although a tad more affordable if one is a resident or visiting family. (kamaina rates) Westin Hapuna Beach Resort: Big Island. Hawaii. Accommodations far better than Mauna Kea Resort. (one of our favorite places thru the years), great golf packages. The seafood buffet is...
by bo105954027
Mon May 11, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14311

Re: Apple Released a New Low-cost Iphone

I expect there'll be way a bunch of people spending their $1200 stimulus check on this new iPhone SE.
by bo105954027
Thu May 07, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: Why is lump sum investment option better than DCA?
Replies: 156
Views: 5717

Re: Why is lump sum investment option better than DCA?

I 'lump-sum'ed my 2020's contribution to Roth IRA (total market) in Jan and you know what happened... I wish I've 'DCA'ed for 2020. :oops:
by bo105954027
Mon Apr 06, 2020 9:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5725
Views: 489143

Re: U.S. stocks continue to soar!

Why is market going up today when bad news are all around: infections, tolls, unemployment...
Any good news currently pulling market up?
by bo105954027
Sun Apr 05, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5547

Re: Should I cancel my travel in France and Belgium in mid May?

Nicolas wrote:
Sun Apr 05, 2020 11:39 am
I would cancel and take the voucher. And did the airline really misspell “lose”?
I copied and pasted their lines directly. I also just double-checked the email. They did misspell. I guess things deteriorate too quickly and they're running into chaos.
by bo105954027
Sun Apr 05, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5547

Re: Should I cancel my travel in France and Belgium in mid May?

I think some people are missing the point. There is a difference between proactively cancelling now vs not going on the trip. ... That is all true, but I think many people are responding to this part from the OP: “With the rapid spread of the pandemic, I'm still hoping that the virus will be under ...
by bo105954027
Fri Apr 03, 2020 1:26 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

I highly urge Vanguard to add "customize color theme" function in settings.
by bo105954027
Fri Apr 03, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6317

Re: What is your age/AA during this crisis?

32yo, almost all in stock, have lost a Lexus RX450 worth value so far... :(
by bo105954027
Fri Apr 03, 2020 11:31 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190908

What's the direct financial impact (money loss) caused by Covid-19?

Though the numbers involved with Covid-19 is kind of scaring (infections, ICUs, unemployment claims, etc.), the pandemic has caused very minor financial loss on me thus far. What I can think of is only that I'm not able to get the $200 gym reimbursement check from my health insurance company because...
by bo105954027
Fri Apr 03, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5547

Should I cancel my travel in France and Belgium in mid May?

I booked a personal 10 day vacation trip to north France and Belgium starting from May 14th in Feb, when no Covid-19 case was reported in US and Europe. $1200 have been spent on booking flight tickets, Airbnb, Hotel, and car rental. I've been longing for the trip for a long time. With the rapid spre...
by bo105954027
Thu Mar 26, 2020 9:53 pm
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 121
Views: 11678

Re: Market will be at all time high by year-end

I’m gonna open 10 threads stating SP500 will reach 4000 by year of 2021, 2022... to 2030, respectively, and refresh the right thread when time comes, as well claim I’m a freaking genius.
by bo105954027
Mon Mar 16, 2020 10:21 am
Forum: Personal Investments
Topic: Who are getting excited with the plummeting market?
Replies: 100
Views: 10031

Re: Who are getting excited with the plummeting market?

Watching the market melt down the third time within 10 days, my feelings are switching from "excited" to be "complicated".
by bo105954027
Fri Mar 13, 2020 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel Europe Trip Now?
Replies: 10
Views: 1084

Re: Cancel Europe Trip Now?

I've booked a trip in north France and Belgium in mid-May. I'm gambling human will defeat corona virus by then. If things are still not under control in May, then the money lost in booking the trip is the last thing I'd worry about...
by bo105954027
Thu Mar 12, 2020 1:49 pm
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14071

Re: How many people with 7 figure portfolios are”rejoicing ?”

I used to be with 7 figure now dropped to 6 figure :(

Not rejoicing, if I'm qualified to answer.
by bo105954027
Thu Mar 12, 2020 11:17 am
Forum: Investing - Theory, News & General
Topic: Where "Fear Index" money come from?
Replies: 1
Views: 157

Where "Fear Index" money come from?

When the market sinks, VIX and PUT the so-called "Fear Index" goes up. If they are just a meter reflecting investors' "fear", that's fine. But I saw some active investors (not in this forum) did make money by selling SPY PUTs in down market, a lot. I'm confused and curious, where does the money in V...
by bo105954027
Mon Mar 09, 2020 12:56 pm
Forum: Personal Investments
Topic: Isn't VTSAX/VIX a better AA?
Replies: 2
Views: 269

Isn't VTSAX/VIX a better AA?

When market drops badly, VIX always shoots up by a large rate. I feel at such time selling VIX for stocks makes more sense comparing with selling bonds instead. What's the flaw in this strategy?
by bo105954027
Mon Mar 09, 2020 11:32 am
Forum: Personal Investments
Topic: Who are getting excited with the plummeting market?
Replies: 100
Views: 10031

Who are getting excited with the plummeting market?

I am. I just raised my 401k contribution to Max. Each of my next ten bi-weekly payrolls will contribute $1000 to VTSAX.

Buy the fear, sell the greedy! :twisted:
by bo105954027
Fri Mar 06, 2020 9:54 am
Forum: Personal Investments
Topic: Any CD-like product in Merrill Edge?
Replies: 0
Views: 229

Any CD-like product in Merrill Edge?

I've been using Bank of America credit cards and savings/checking accounts for many years. As I keep low balance in these accounts I'm only qualified for "Gold" tier benefits and rewards. On the other hand I have $100k CDs in another bank saved for a home down payment in 1-3 years. Now I'm thinking ...
by bo105954027
Thu Mar 05, 2020 4:04 pm
Forum: Personal Investments
Topic: How is Merrill Edge?
Replies: 64
Views: 7024

Re: How is Merrill Edge?

I use BoA credit cards and have savings and checking accounts at BoA for many years. But as I keep low balance in these accounts I'm only qualified for "Gold" tier benefits and rewards. Besides I have 100k CDs in another bank saved for a home down in 1-3 years. Now I'm thinking of transferring these...
by bo105954027
Tue Mar 03, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Slow Win10 file explorer after upgrading from fast Win7
Replies: 1
Views: 152

Slow Win10 file explorer after upgrading from fast Win7

I have a fast home desktop computer (i7 CPU + 16GB RAM + SSD OS drive) running Windows 7 smoothly for years without any issue. Recently I installed Windows 10 via free upgrade portal on Microsoft's official website. However, the file explorer of new Windows 10 is noticeably slow. It takes about 2 se...
by bo105954027
Fri Feb 28, 2020 8:26 pm
Forum: Personal Investments
Topic: Will recovery be possible?
Replies: 41
Views: 4792

Re: Will recovery be possible?

I like the answer by a boglehead in another thread —

If you look at your portfolio, you will find you are not losing a single share of VTSAX. :sharebeer
by bo105954027
Fri Feb 14, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Having a baby in April 2020 - Whats your best financial advice for a new parent
Replies: 102
Views: 8116

Re: Having a baby in April 2020 - Whats your best financial advice for a new parent

Kids grow fast, and they change like lightening. Borrow or buy second hand as much as possible. +1 Plenty of good, usable merchandise to be had at a fraction of the retail price. For example? My mother-in-law recently purchased a used kitchen play set, with accessories, for my 2 year old from a res...
by bo105954027
Thu Feb 13, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Having a baby in April 2020 - Whats your best financial advice for a new parent
Replies: 102
Views: 8116

Re: Having a baby in April 2020 - Whats your best financial advice for a new parent

Darth Xanadu wrote:
Tue Feb 11, 2020 2:21 pm
Arabesque wrote:
Tue Feb 11, 2020 2:15 pm
Kids grow fast, and they change like lightening. Borrow or buy second hand as much as possible.
+1

Plenty of good, usable merchandise to be had at a fraction of the retail price.
For example?
by bo105954027
Wed Feb 12, 2020 2:45 pm
Forum: Personal Investments
Topic: Find a list of the best performing index funds
Replies: 35
Views: 2989

Re: Find a list of the best performing index funds

The question I'm more interested in is --

Find a list of index funds that perform better than S&P500.
by bo105954027
Wed Feb 12, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 7579

Re: What are your not free but still frugal hobbies?

I'm the initiator of Luxury Hobbies thread:) I do have a bunch of frugal (not on purpose) hobbies besides the expensive traveling and skiing. 1. Gym - fee fully covered by insurance 2. Reading physical books - $10-20/book, 10-15 hours reading for each, average 1book/1.5mo 3. Watching movies in AMC t...
by bo105954027
Mon Feb 10, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19264

Re: What is your most luxury/expensive hobby.

Learning is so so so fun !!! But very expensive! I took up another degree for fun in Baltimore while living/full time working in Michigan—>used all my vacation/sick/CME time. The entire adventure took about $90,000 (not including the Deans scholarship). Had an amazing and fun time! Lol what degree ...
by bo105954027
Mon Feb 10, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19264

Re: What is your most luxury/expensive hobby.

Most BHs here are middle/upper-middle class earners. I am curious about what they spend most dollars on to make them happy other than necessities. Mine first: 1. Vacation Travelling: true but mediocre as I guess most answers will include this. Me I spend ~$4500 in domestic and international traveli...
by bo105954027
Sun Feb 09, 2020 11:43 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19264

Re: What is your most luxury/expansive hobby.

Most BHs here are middle/upper-middle class earners. I am curious about what they spend most dollars on to make them happy other than necessities. Mine first: 1. Vacation Travelling: true but mediocre as I guess most answers will include this. Me I spend ~$4500 in domestic and international traveli...
by bo105954027
Sun Feb 09, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19264

What is your most luxury/expensive hobby.

Most BHs here are middle/upper-middle class earners. I am curious about what they spend most dollars on to make them happy other than necessities. Mine first: 1. Vacation Travelling: true but mediocre as I guess most answers will include this. Me I spend ~$4500 in domestic and international travelin...
by bo105954027
Mon Feb 03, 2020 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can I take advantage of CC sign-up bonus by keep opening new cards? Any risk or drawback?
Replies: 18
Views: 1661

Can I take advantage of CC sign-up bonus by keep opening new cards? Any risk or drawback?

Almost all banks offer credit cards with sign-up bonus, which are mostly free cash (or points that generally equal to cash). Can I keep collecting bonus just by simply: opening a new CC account -- meet the bonus earning requirement -- enjoy the free cash -- close the CC (or just cut the card) -- ope...
by bo105954027
Fri Jan 31, 2020 9:56 am
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9205

Re: Suggestions for wife's new luxury SUV????

2020 Lexus RX350
My favorite
Plenty of upgrade from 2019 model
by bo105954027
Thu Jan 30, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 6988

Re: Considering an iPad. Is it worth it?

Absolutely worth. I couldnot live without it anymore.
by bo105954027
Thu Jan 09, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7473

Re: How do you mentally process stupid ways of losing money?

I call it my "Stupid tax" and try to learn better methods for tax avoidance. Speeding tickets have always been #1 on my Stupid tax hit parade. Believe it or not, I've paid over $2500 of all kinds of tickets for my $7000 worth car this couple of years... speeding (sometimes plus hiring a lawyer), pa...
by bo105954027
Fri Dec 20, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5725
Views: 489143

Re: U.S. stocks continue to soar!

Please put soaring on hold for a while until I lump sum my 2020 Roth IRA contribution! :mrgreen:
by bo105954027
Thu Oct 17, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 11744

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

1. You don't have to buy a $1000+ latest iPhone. The currently $450 iPhone 8 is perfect in every aspect already, and it can easily last another 2 or 3 years.
2. iOS is safer, easier, faster, more stable, looks better than other mobile OS.
3. Brand loyalty and superiority.
by bo105954027
Tue Oct 01, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: What services do you subscribe and pay monthly?
Replies: 4
Views: 697

What services do you subscribe and pay monthly?

I have a bunch of subscriptions which I feel fairly worthwhile and happy to be charged every month :-) iCloud storage 50G ($1/mo): I use iPhone and iPad. Due to their notoriously limited capacity, I pay $1 per month for 50G iCloud storage. All my photos taken are automatically uploaded to iCloud, fr...
by bo105954027
Thu Sep 05, 2019 10:40 am
Forum: Personal Investments
Topic: Worthwhile to keep x0k dollars in BOA in order to be qualified for Preferred Rewards?
Replies: 2
Views: 355

Worthwhile to keep x0k dollars in BOA in order to be qualified for Preferred Rewards?

Bank of America provides several tiers of benefits and rewards for Preferred Rewards members. The tiers are determined by members' balance saved in their accounts: https://www.bankofamerica.com/preferred-rewards/ For me, I usually keep more or less 10k cash in my BOA checking account as emergency fu...
by bo105954027
Mon Feb 25, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Is it normal to get charged when moving out of an apartment?
Replies: 4
Views: 783

Is it normal to get charged when moving out of an apartment?

Living in NJ. The apartment is a 6-plex building. I've been living in one unit (3b2b apartment) for two years with $1900/mo. Back when I moved in I paid first month rent + 1.5 x one month rent worth for security deposit totaling $4750. During the two years I've never been late for paying rent. Yeste...
by bo105954027
Tue Jan 01, 2019 8:56 pm
Forum: Personal Investments
Topic: I'm ready to dump $5.5k to Roth IRA 2019. Should I buy total stock or target retirement?
Replies: 8
Views: 1520

I'm ready to dump $5.5k to Roth IRA 2019. Should I buy total stock or target retirement?

After 2018's market volatility, my current Roth IRA investment status is: Purchases & withdrawals +$22,000.00 Investment returns +$1,782.31 Ending balance $23,782.31 Rate of return 3.8% As of 12/31/2018 :oops: All AA is in Vanguard Target Retirement 2055 Fund. I am 31 year old. I guess stocks are cu...
by bo105954027
Sun Nov 18, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 7702

Re: Best headphones under 500 bucks

I've got really dumb ears and I literally can't distinguish between a 50 bucks headphone and a 500 one, except noise cancelling headphones are quieter.
by bo105954027
Thu Nov 01, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: 2019 Retirement Contribution Limits Announced
Replies: 54
Views: 7925

401(k) contribution limit increases to $19,000 for 2019; IRA limit increases to $6,000

[Thread merged into here, see below. --admin LadyGeek] The Internal Revenue Service today announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2019. The IRS today issued technical guidance detailing these items in Notice...
by bo105954027
Wed Oct 31, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 21122

Re: Why I'm 100% stocks

I am currently investing in two funds: Vanguard 500 Index Admiral (VFIAX) - Company 401K YTD 10.53% 1-Month 0.57% 3-Month 7.70% 1-Year 17.87% 3-Year 17.27% 5-Year 13.91% Vanguard Target Retirement 2055 Inv (VFFVX) - My Roth IRA YTD 4.38% 1-Month 0.15% 3-Month 3.99% 1-Year 9.79% 3-Year 12.89% 5-Year ...
by bo105954027
Mon Oct 29, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4396
Views: 1252482

Re: What Book Are You Currently Reading? Part VI

'Quiet: The Power of Introverts in a World That Can't Stop Talking' by Susan Cain
Image
by bo105954027
Wed Oct 17, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1578

Re: Would you ever buy a lottery ticket?

This thread will soon be locked as mine discussing same topic initiated yesterday was already.
by bo105954027
Wed Oct 17, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5449
Views: 1350525

Re: What Movie Have You Recently Watched?

"A Star is Born" - Amazing performance by Lady Gaga and Bradley Cooper. Gaga's natural face is more beautiful than her usually exaggerated makeups. All OST's are beautifully written and performed. Gaga's voice is so powerful that she's much more than Poker Face and deserves serious singing awards. "...
by bo105954027
Tue Oct 16, 2018 4:17 pm
Forum: Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 3339

"MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

I am thinking of purchasing $10 worth of tickets for each. I understand by math it's almost equal to throwing cash in sewage. But counting in two exciting and expecting nights before the drawing time, I guess the 20 bucks investment is worthwhile? :mrgreen: https://www.cnn.com/2018/10/16/us/megamill...
by bo105954027
Fri Oct 12, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: When Both Stocks and Bonds Fall, Where Does the Money Go?
Replies: 12
Views: 1970

Re: When Both Stocks and Bonds Fall, Where Does the Money Go?

Stock price doesn't reflect their real value, but their expected (future) earning potential. The falling price just means people don't expect the stock having a strong increasing potential anymore. The money disappearing is merely a number indicating of the falling of people's confidence on the stock.