Search found 715 matches

by MJW
Sat Jan 26, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Resume Writer/Consultant
Replies: 8
Views: 463

Re: Resume Writer/Consultant

For what it's worth, I am, in a manner of speaking, "in the industry" and I have zero interest in whether someone wrote their own resume or had it done professionally. What's important is that the resume clearly communicates (as much as this can be accomplished on paper) what the candidate offers an...
by MJW
Sat Jan 26, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: small town
Replies: 47
Views: 3921

Re: small town

I grew up in a small town and sort of understand the concern, but do you think the local folks are really going to harass you that much? I think most would get over it pretty quickly and move on to whatever other thing locals like to be indignant about. I don't know that trying to argue the finer po...
by MJW
Wed Jan 16, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1224
Views: 121807

Re: [What TV Show Have You Recently Watched?]

I tried watching The Expanse on Prime after seeing it recommended. I bailed within the first 15 min. It surprised me because: 1) I rarely bail on a show that quickly and, 2) based on what I had read about the show I expected to like it. I don't know...the vibe just didn't grab me. Into Season 3 of B...
by MJW
Fri Dec 28, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9561

Re: What common everyday inconvenience have you intentionally suffered for frugality?

I'm not sure if this counts. We live where the weather is bad all but 3-4 months of the year. It is a low cost of living area. We make a decent income. Most days we suffer through terrible weather. I guess it is partly because of being frugal/saving for retirement. Partly because I can't convince a...
by MJW
Thu Dec 27, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9561

Re: What common everyday inconvenience have you intentionally suffered for frugality?

For the most part I am willing to pay for convenience. Life presents enough challenges without having a load of preventable daily frustrations on top of it. The only recent example I can think of is that I kept using a pair of running shoes for far too long before getting a new pair for Christmas fr...
by MJW
Wed Dec 26, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 657
Views: 74260

Re: U.S. stocks continue to soar!

JoMoney wrote:
Wed Dec 26, 2018 4:09 pm
I seem to be the only one complaining about the upside "volatility" ;)
Where's the circuit breaker !?!?! :D
I'm with you. It's probably a bad sign. :|
by MJW
Wed Dec 26, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7039

Re: What have your learned this year

KnowNth wrote:
Wed Dec 26, 2018 2:44 pm
That when market drops, bogleheads surprisingly generate lots of noise as well. :D
Indeed.
by MJW
Wed Dec 26, 2018 3:38 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 59275

Re: What NON frugal thing did you do today?

livesoft wrote:
Tue Dec 25, 2018 10:03 am
I ran the dishwasher when it was only one-third full.
And there I was at Christmas, vowing to have more faith in my fellow persons only to come home and read this.
by MJW
Wed Dec 26, 2018 3:00 am
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7039

Re: What have your learned this year

Got the guitar out. Been singing. Going to hoist these old bones up on a stage in a few months, do some open mics, and show these young kids a thing or two. Do it! My dad (70 yo) has played guitar for decades, has a good singing voice, and finally mustered the nerve a few years ago to do some open ...
by MJW
Tue Dec 25, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11798

Re: Now is the time to REJOICE!

Warren Buffet always says he likes getting a good deal on companies he buys, and now is the time for all of us! Dumping a bunch of money into stock index funds while the going is good and cheap!! Anyone else investing more now??? I'm not exactly dancing in the streets, but I'm going to play devil's...
by MJW
Tue Dec 25, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4374
Views: 1143567

Re: What Movie Have You Recently Watched?

DanMahowny wrote:
Mon Dec 24, 2018 1:28 pm
Dan Mahowny family will watch Christmas Vacation this evening.

It's our Christmas Eve tradition.
This is going to happen in about five minutes here...
by MJW
Mon Dec 24, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4374
Views: 1143567

Re: What Movie Have You Recently Watched?

A great family movie we just saw was Mary Poppins Returns . It was very much in the style of the first movie, and very nostalgic for my wife and me. A very upbeat, positive movie. My little sister won 20 tickets and $200 in concessions at her employer's Christmas party, so she took us all Saturday....
by MJW
Mon Dec 24, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11798

Re: Now is the time to REJOICE!

And yes these posts have become annoying. Part of it is the cheerful sentiment, that erosion of wealth is somehow a positive. This is confusing to me because anyone investing is ultimately hoping for that investment to grow. I agree on both accounts. It's turning into quite a tired cliche on this f...
by MJW
Sun Dec 23, 2018 2:11 am
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 2606

Re: Best Albums of 2018

heartwood wrote:
Wed Dec 19, 2018 2:06 pm
Brandi Carlile, By The Way, I Forgive You
Listened to this one in its entirety for the first time tonight. Pretty good. Some beautiful instrumental work.
by MJW
Sun Dec 23, 2018 2:08 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9961

Re: When did the musicians on the titanic realize their fate?

Seems like the analogy is serving more as a distraction than a support for the premise.
by MJW
Sun Dec 23, 2018 2:03 am
Forum: Personal Investments
Topic: Park large sum for limited time
Replies: 17
Views: 1035

Re: Additional stock fund

So, I hate to be the "don't do it" guy because I know that isn't what you're asking for, but it sounds like you're adding just for the sake of adding? Surely there is something more you hope to get from it other than "intellectual curiosity," as you put it. I would think that any recommendation you'...
by MJW
Sun Dec 23, 2018 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Involuntary retirement - stories and strategies?
Replies: 32
Views: 3683

Re: Involuntary retirement - stories and strategies?

I'm in my mid-thirties and already concerned enough about being pigeon-holed in my field that I am looking to shift gears.

Financially, I can't get far enough away from zero fast enough.
by MJW
Sat Dec 22, 2018 10:20 pm
Forum: Personal Investments
Topic: Should I put another $5500 in the Market on January first for my ROTH IRA?
Replies: 29
Views: 3632

Re: Should I put another $5500 in the Market on January first for my ROTH IRA?

Hey all, this year I put my 5500 dollars in for the first time ever in a target date retirement fund. I am wondering if since the market is down pretty bad these days, if I should put my max contribution in the first of the year to get it done with. I am 24 years old and I do have enough money liei...
by MJW
Sat Dec 22, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Bonds this year: a case for staying the course
Replies: 13
Views: 1546

Re: Bonds this year: a case for staying the course

InvestInLife wrote:
Sat Dec 22, 2018 8:58 pm
Woodshark wrote:
Sat Dec 22, 2018 6:16 pm
During 2007, 2008 I was younger and 100% in stock funds.
I was younger in 2007-08 also.
Sure - anyone can claim such a thing as an anonymous person on the Internet.
by MJW
Sat Dec 22, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 14757

Re: All the "should I be 100% stocks" threads over the last year.

Hence the idea I often see here, "I wont need that money for 30 years" may be quite mistaken. And that doesnt even get into the carnage wreaked by an unexpected diagnosis, an accident, or the birth of a child with a health issie that requires a parent's presence 24/7. This is true, but to what exte...
by MJW
Sat Dec 22, 2018 5:35 pm
Forum: Personal Investments
Topic: Seeking Good Small-Cap Fund for Taxable
Replies: 15
Views: 1184

Re: Seeking Good Small-Cap Fund for Taxable

I don't use Fidelity so I don't know about the transaction fee, but Vanguard's Tax-Managed Small Cap fund has thus far performed well for its class.
by MJW
Sat Dec 22, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Predictions
Replies: 9
Views: 637

Re: Market Predictions

i think your missing what i mean.. and what i'm suggesting is definitely not a boglehead move. i mean deciding that one's bond allocation is really just dry powder and turning this into a texas holdem game, and going all in. aka.. instead of deciding in a bull market "why not 100% stocks", deciding...
by MJW
Sat Dec 22, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 14757

Re: All the "should I be 100% stocks" threads over the last year.

So, really, people are making themselves sound like they are much bigger risk takers than they really are. If one has the continuing comfort of a salary, a pension waiting, a paid-for house, etc., then being 100% is stocks is really not as big a risk. Of course they can easily withstand a 20-30% do...
by MJW
Sat Dec 22, 2018 3:38 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 14757

Re: All the "should I be 100% stocks" threads over the last year.

Why are we just assuming that all of these people are now suddenly running for cover?
by MJW
Sat Dec 22, 2018 2:46 am
Forum: Investing - Theory, News & General
Topic: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement
Replies: 71
Views: 4113

Re: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement

m is always helpful, but target volatility isn’t exactly a strategy whose results can be arbitraged away or crowded out. It won’t always help , and might sometimes hurt, but that won’t have anything to do with how popular it is. I don't believe that is true. When low-volatility stocks have value ex...
by MJW
Sat Dec 22, 2018 2:36 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9961

Re: When did the musicians on the titanic realize their fate?

Excellent. Those who prepared well in advance for worst case scenarios by securing a lifeboat are unconcerned while the Titanic sinks. They might be thinking "I told you so" to the overconfident who got caught in the rainstorm without so much as an umbrella as a result of wasting so much time readi...
by MJW
Sat Dec 22, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9961

Re: When did the musicians on the titanic realize their fate?

Where are the posters who say they are holding 90/10 funds? Lately, they've been keeping quiet, surprised they aren't banging the drum to buy the dip? Hi. I don't bang drums. Never said a word about "buy the dip." That happens to be one of the "-isms" on this forum that I find to be overwrought and...
by MJW
Fri Dec 21, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1224
Views: 121807

Re: [What TV Show Have You Recently Watched?]

Just began Season 3 of Narcos. Will be interested to see how this season holds up given how Season 2 ended.
by MJW
Fri Dec 21, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9961

Re: When did the musicians on the titanic realize their fate?

Here’s the sequence of returns of Vanguard Total Stock Market Index Inv from 2009 to 2017: +28.70%, +17.09%, +0.96%, +16.25%, +33.35%, +12.43%, +0.29%, +12.53%, +21.05% 9 years of positive returns. Not a single down year since 2009. Granted, we were coming off a historic market drop, but we have be...
by MJW
Fri Dec 21, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

The market is down? lol i dont look at that. I bet that’s not true It happens every time someone posts "the market is up big time!" or "the market is tanking!". A number of people feel the need to post "Oh, really, I didn't notice" as if they're trying to impress someone with their alleged aloofnes...
by MJW
Fri Dec 21, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

I lost $85,000 of new money invested 15 days ago. At this point it doesn't matter anymore if I'm "comfortable" with my asset allocation, this is a serious loss by any standard. I suggest it is not a loss until you realize it by selling. That's a theoretical and unrealistically distant view of money...
by MJW
Fri Dec 21, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

LiterallyIronic wrote:
Fri Dec 21, 2018 4:10 pm
Indeed. Mid-30s. Fresh out of school in 2008. Couldn't get a job. Nothing to invest. Missed the ensuing run-up.
Similar boat here in mid-thirties. Was more concerned at the time with just getting by. Felt like I had a late start to everything and still dealing with the impact.
by MJW
Thu Dec 20, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

People are really getting into the weeds, comparing day-by-day performance of US vs Ex-US. Seems like some folks are looking for anything at this point.
by MJW
Thu Dec 20, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: International stocks a safe haven compared to expensive US assets?
Replies: 12
Views: 1163

Re: International stocks a safe haven compared to expensive US assets?

international (VEU, VXUS) and emerging markets (VWO) are holding up very nicely in this latest downturn in the market. As i am writing this (12/20/2018) VWO is up .8% on the day... During a big down day. IS the tide suddenly turning making international a safe haven relative to expensive US assets?...
by MJW
Thu Dec 20, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

Crushtheturtle wrote:
Thu Dec 20, 2018 2:40 pm
Hector wrote:
Thu Dec 20, 2018 2:38 pm
Crushtheturtle wrote:
Thu Dec 20, 2018 1:59 pm
International diversification for the win!
Foreign markets are down 20-25% from the top as well. How is that for the win right now?
I meant today! This is the beginning of the ex-US rally!
:P
Yeah, let's see that sustained for a few years. My portfolio is begging for it.
by MJW
Thu Dec 20, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement
Replies: 71
Views: 4113

Re: Using minimum volatility and managed risk strategies to reduce sequence of return risk in retirement

Viz - how does one determine their "comfort level" of target volatility under this concept? (I'm actually thinking more from the perspective of an accumulator here)
by MJW
Thu Dec 20, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 2606

Re: Best Albums of 2018

Meh. There's nothing more subjective than "best" music. Everyone has different tastes. I don't force my friends to listen to my faves, and they shouldn't really care what my faves are. Neither should anyone here, frankly. Post #3. My over/under was on post #5. I actually like to hear what others th...
by MJW
Wed Dec 19, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: Steve Dunn ? "I don't know and i don't care" ? Dunn's law ..
Replies: 11
Views: 1494

Re: Steve Dunn ? "I don't know and i don't care" ? Dunn's law ..

Isn't this forum a place for intellectual curiosity..... That depends on who you ask. Results may vary. Shots fired! Lol.. I don’t think it’s that controversial. This forum tends to be a mixed bag when it comes to tolerance of intellectual curiosity. Makes sense given the size of the membership.
by MJW
Wed Dec 19, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Steve Dunn ? "I don't know and i don't care" ? Dunn's law ..
Replies: 11
Views: 1494

Re: Steve Dunn ? "I don't know and i don't care" ? Dunn's law ..

indexlover wrote:
Wed Dec 19, 2018 6:40 pm

Isn't this forum a place for intellectual curiosity.....
That depends on who you ask. Results may vary.
by MJW
Tue Dec 18, 2018 7:17 pm
Forum: Personal Investments
Topic: [Portfolio review request - cash portion, asset allocation]
Replies: 5
Views: 368

Re: [Portfolio review request - cash portion, asset allocation]

[Moved into a new thread from: U.S. stocks in free fall --admin LadyGeek] Been investing the max allowed by tax law in my 401 k in a total stock market index fund all my working life. I slept through 2008, doing what I have always been doing. Didn't sell anything and kept up the monthly purchases. ...
by MJW
Tue Dec 18, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

Doom&Gloom wrote:
Tue Dec 18, 2018 3:08 pm
When life hands you unicorns, make glue.
Seems like maybe a good time to stock some unicorn meat in the freezer..
by MJW
Tue Dec 18, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

letsgobobby wrote:
Tue Dec 18, 2018 2:50 pm
Tamalak wrote:
Tue Dec 18, 2018 2:45 pm
Everyone look quick, ex-us is up while us is down. It's like spotting a unicorn..
Be hopeful. This is the beginning of a ten year trend!
I would be happy with three at this point. Something. Anything.
by MJW
Tue Dec 18, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8359

Re: When has being frugal or cheaping out bit you in the rear?

In an occasional moment of laziness, I have contemplated driving the 30 min from my house to cross the border to a state where someone else pumps your gas for you. Not sure that is being frugal or cheap, but pumping gas is, to me, one of those most mind-numbingly banal activities in which one can p...
by MJW
Tue Dec 18, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8359

Re: When has being frugal or cheaping out bit you in the rear?

In an occasional moment of laziness, I have contemplated driving the 30 min from my house to cross the border to a state where someone else pumps your gas for you. Not sure that is being frugal or cheap, but pumping gas is, to me, one of those most mind-numbingly banal activities in which one can pa...
by MJW
Tue Dec 18, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: "Madness of Crowds" vs "Wisdom of Crowds"
Replies: 32
Views: 1902

Re: "Madness of Crowds" vs "Wisdom of Crowds"

I can’t help but think we give the market too much credit when we apply the word “wisdom” to collective investor behavior. There are plenty of times when the market just seems to act like a big, dumb monolith. My philosophy as an investor has been that the market just is what it is and attempting to...
by MJW
Tue Dec 18, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard plans to merge the $15.1 billion Vanguard Morgan Growth Fund into $10.2 billion Vanguard U.S. Growth Fund
Replies: 5
Views: 1153

Re: Vanguard plans to merge the $15.1 billion Vanguard Morgan Growth Fund into $10.2 billion Vanguard U.S. Growth Fund

Yea, sure, solid track records... https://www.bogleheads.org/forum/viewtopic.php?t=61209 Hi Taylor: Can what happened to US Growth be used as an argument against "staying the course"? Hi Munir: It is more of an argument against managed funds. Index fund investors are not subject to manager changes,...
by MJW
Tue Dec 18, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

This thread needs to be euthanized. This is one of the most active threads... besides, if you killed it, it would just create a dozen more with the same generic topic about whatever particular direction things are going. Exactly. We're already seeing a bunch of "OMG this market!" threads popping up...
by MJW
Tue Dec 18, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 75
Views: 9641

Re: Impressive film in theater Dec 17 and 27 only

Wow, I hope I'm able to see this at some point.
by MJW
Mon Dec 17, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1842176

Re: U.S. stocks in free fall

willthrill81 wrote:
Mon Dec 17, 2018 8:40 pm
I'm less confident than you about that. Bogle's animal spirits don't seem to be very intelligent.
It's the wisdom of the market!