Search found 239 matches

by limeyx
Mon Sep 17, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6845
Views: 1495634

Re: U.S. stocks in freefall

nedsaid wrote:
Mon Sep 17, 2018 6:55 pm
Dow is down 92 points, S&P down 16, and the Nazz down 114. Could this be the start of a correction?

Uh-Oh, should I sell everything ?
by limeyx
Mon Sep 10, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25435

Re: U.S. stocks continue to soar!

After several bad days, we can change the title to US Stocks Continue to Sore! I'm selling everything Evidently, you are not alone. Markets down again today, though not by a lot. Yeah. I didn't actually sell anything ... burned too many times trying to buy & sell and always on the wrong end of the ...
by limeyx
Sat Sep 08, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25435

Re: U.S. stocks continue to soar!

After several bad days, we can change the title to US Stocks Continue to Sore! I'm selling everything Evidently, you are not alone. Markets down again today, though not by a lot. Yeah. I didn't actually sell anything ... burned too many times trying to buy & sell and always on the wrong end of the ...
by limeyx
Sat Sep 08, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25435

Re: U.S. stocks continue to soar!

H-Town wrote:
Fri Sep 07, 2018 6:26 pm
limeyx wrote:
Thu Sep 06, 2018 11:44 pm
goodenyou wrote:
Thu Sep 06, 2018 11:20 am
After several bad days, we can change the title to US Stocks Continue to Sore!
I'm selling everything
Your farm too? :wink:
I'd have to buy a farm first but yeah hahaha
by limeyx
Sat Sep 08, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7459

Re: Should I keep my financial advisor

So good advice from a financial advisor is often worth it. I see this argument a lot. I just want to point out "worth" and what you should pay are only very loosely related. If you don't eat for a month you will die or suffer very badly. What you should pay for a month of food is probably $1,000 ma...
by limeyx
Thu Sep 06, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25435

Re: U.S. stocks continue to soar!

goodenyou wrote:
Thu Sep 06, 2018 11:20 am
After several bad days, we can change the title to US Stocks Continue to Sore!
I'm selling everything
by limeyx
Thu Sep 06, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7459

Re: Should I keep my financial advisor

What services does the advisor provide for 3% ? Is Estate planning and taxplanning somehow in the mix? As a financial advisor, I am often asking myself the same questions. Did you know? 67% of all "financial advisors" offer "tax planning" as part of their services. However, only 18% offer tax prepa...
by limeyx
Fri Aug 31, 2018 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21504

Re: Decent compensation to move to Bay Area CA?

madbrain wrote:
Thu Aug 30, 2018 3:13 am
limeyx wrote:
Thu Aug 30, 2018 12:32 am
Not in Silicon valley and have all of those
Not surprised. It really depends more on the position and type of business, less than where the company is geographically located, IMO.
Yup. Small company (startup) has definite pluses and minuses
by limeyx
Thu Aug 30, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21504

Re: Decent compensation to move to Bay Area CA?

Folks, Bay Area Working Culture -> Lack of work-life balance. A) Do you travel for business during the non-working day? B) Are you expected to work more than 40 hours per week? C) Are you expected to respond to business email, phone, text after office hour? D) Do you carry a pager? Aka, on-call? Kl...
by limeyx
Thu Aug 30, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21504

Re: Decent compensation to move to Bay Area CA?

I have a family of 4 and we live in Charlotte area. I make ~ $140k annually (can sacrifice my work life balance and make ~160k) as an IT guy (I'm a kind of tech lead \ architect). We live in a $320k 2400 sq ft 4bd house and are able to save few buck into taxable account (401k maxing out as well). I...
by limeyx
Wed Aug 29, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Well, that was an expensive lesson (FA related)
Replies: 19
Views: 2897

Re: Well, that was an expensive lesson (FA related)

Thats a cheap lesson (assuming it sticks) not expensive. I want to cry when I add up what I've paid these guys (who really didn't have a clue what they were doing)
by limeyx
Wed Aug 29, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28098

Re: What to do after losing $117k in stock market?

But ... what if it goes down ? ... oh wait! Then you need to buy a 2X or 3X leveraged index so that you can "get back to even". And then a 4X or 8X ? Cool :) Martingale? Might work if you get real lucky or you have more money than the casino. Liquidity risk? "The Only Winning Move is Not to Play" h...
by limeyx
Wed Aug 29, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Yeesh. Car damage right before lease end
Replies: 13
Views: 1823

Re: Yeesh. Car damage right before lease end

Might (not sure) Uninsured Motorist cover this? [Hit ans run] With Geico a "hit and run" is covered under Uninsured Motorist coverage which will likely have a lower deductible. Should be similar with other ins. companies. Also might depend on the state. I discovered (to my benefit) that my WA insur...
by limeyx
Wed Aug 29, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25435

Re: U.S. stocks continue to soar!

Are all your friends trading stock tips? Do you hear a lot of people discussing stocks in public? Actually, I have a couple of guys at work that have started talking about their trades and why they can't lose buying Netflix and Amazon. Makes me shudder. Not quite as bad as 1999 when all I heard goi...
by limeyx
Wed Aug 29, 2018 1:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25435

Re: U.S. stocks continue to soar!

Anyone have the scripting chops to pull dates of posts from these two threads and update a speadsheet? I don't think I can do it in COBOL 74 or 85. Um, do you even have a computer that runs COBOL?? :shock: (I guess I’m old, I actually know what COBOL is. :| ) https://developers.slashdot.org/story/1...
by limeyx
Wed Aug 29, 2018 1:01 am
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 22
Views: 1931

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

For those that have accounts at Schwab (over Vanguard) with mainly low cost index ETFs; why did you pick that over Vanguard mutual funds? I understand the value proposition of Vanguard, I am just trying to see if I am missing something on the Schwab side. Schwab has night and day better customer se...
by limeyx
Wed Aug 29, 2018 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Protecting myself against suit for Personal Injury
Replies: 19
Views: 2626

Re: Protecting myself against suit for Personal Injury

It is my experience, with State Farm, that you will have to sue them in order to be provided coverage. So you may still need a lawyer to sue State Farm to provide the coverage. If the policy was in force, at the time of the accident, then they should cover you. Considering the company, however, the...
by limeyx
Wed Aug 29, 2018 12:51 am
Forum: Investing - Help with Personal Investments
Topic: What do you know about LPL Financial?
Replies: 26
Views: 2405

Re: What do you know about LPL Financial?

I have a lpl advisor, who continuously sell structured note and non traded reit to everyone, who persuade me to let him to actively manage my account instead of trying target data fund, and who always imply that he has already got financial freedom due to his superior investment knowledge lpl advis...
by limeyx
Wed Aug 29, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28098

Re: What to do after losing $117k in stock market?

aristotelian wrote:
Tue Aug 28, 2018 7:53 am
limeyx wrote:
Mon Aug 27, 2018 11:55 pm

But ... what if it goes down ? ... oh wait!
Then you need to buy a 2X or 3X leveraged index so that you can "get back to even".
And then a 4X or 8X ? Cool :)
by limeyx
Mon Aug 27, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28098

Re: What to do after losing $117k in stock market?

I couldn't resist and started trading stocks again. I managed to stay more discipline and only lost $1,200 this year. I am done for good. The last straw was when i recently bought PULM, a small biotech company. The next day, the stock dropped by 30% on ZERO news or material events. It's becoming ob...
by limeyx
Mon Aug 27, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21504

Re: Decent compensation to move to Bay Area CA?

I have a family of 4 and we live in Charlotte area. I make ~ $140k annually (can sacrifice my work life balance and make ~160k) as an IT guy (I'm a kind of tech lead \ architect). We live in a $320k 2400 sq ft 4bd house and are able to save few buck into taxable account (401k maxing out as well). I...
by limeyx
Sun Aug 26, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: WiFi Router - Netgear AC750 or something better?
Replies: 24
Views: 1240

Re: WiFi Router - Netgear AC750 or something better?

pondering wrote:
Sat Aug 25, 2018 10:31 pm
I STRONGLY suggest getting a google wifi

Do you have any questions or concerns?
Google Wifi on my list too
by limeyx
Tue Aug 21, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1047
Views: 80917

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I downloaded the MSCI USA and MSCI EAFE latest annual index numbers, and assembled an updated version of this type of chart. Among other representations of the same data, this screams to me "hedge your bets and diversify", but well, that's just my perception. Thanks for putting that together. My pe...
by limeyx
Tue Aug 21, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 6494

Re: What non-Vanguard ETFs will you be looking to buy?

joo2lo wrote:
Tue Aug 21, 2018 5:43 pm
Just wondering with Vanguard's addition of nearly 1,800 commission-free ETFs today, which funds are bogleheads considering to buy?

https://personal.vanguard.com/pdf/etfcfl.pdf
I have a bunch of free trades @Schwab and only MFs at Vanguard, so none for me
by limeyx
Thu Aug 16, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investing fractional dollars in small (Vanguard) accounts
Replies: 2
Views: 265

Re: Investing fractional dollars in small (Vanguard) accounts

This is probably excessively nit-picky but ... I have a couple of vanguard IRA and Roth IRAs with a single (non-Vanguard) investment with a min of $1000 additional investment Lets say I transferred $5000 in, and bought $4980 (and then $20 commission) to make a $0.00 balance Well of course for the s...
by limeyx
Thu Aug 16, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Investing fractional dollars in small (Vanguard) accounts
Replies: 2
Views: 265

Investing fractional dollars in small (Vanguard) accounts

This is probably excessively nit-picky but ... I have a couple of vanguard IRA and Roth IRAs with a single (non-Vanguard) investment with a min of $1000 additional investment Lets say I transferred $5000 in, and bought $4980 (and then $20 commission) to make a $0.00 balance Well of course for the sh...
by limeyx
Fri Aug 10, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning?

Spent 30+ years in Seattle. Those hot weeks were not fun, but it ended up being significantly cheaper to just buy two of the stand-alone room units for the couple of weeks of real warm weather per year. It used to be a couple of weeks but since we've been here (past 6 years) its been all or half of...
by limeyx
Thu Aug 09, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning?

Spent 30+ years in Seattle. Those hot weeks were not fun, but it ended up being significantly cheaper to just buy two of the stand-alone room units for the couple of weeks of real warm weather per year. It used to be a couple of weeks but since we've been here (past 6 years) its been all or half of...
by limeyx
Thu Aug 09, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Question about share dilution
Replies: 26
Views: 1634

Re: Question about share dilution

... Then comes the reverse split which is really bad. Aside from the fact that reverse splits are most usually undertaken when the share price has greatly fallen, what's wrong with them? PJW If its a private company the initial split usually doesn't increase your vested shares but the reverse does ...
by limeyx
Wed Aug 08, 2018 11:54 pm
Forum: Investing - Theory, News & General
Topic: Question about share dilution
Replies: 26
Views: 1634

Re: Question about share dilution

... Then comes the reverse split which is really bad. Aside from the fact that reverse splits are most usually undertaken when the share price has greatly fallen, what's wrong with them? PJW If its a private company the initial split usually doesn't increase your vested shares but the reverse does ...
by limeyx
Wed Aug 08, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8667

Re: Huge mortgage mistake

I am willing to put more cash into this place. I'm not planning on moving for a long time. Of course, things can change, but we did not buy this place with the intent to move in a few years. PMI doesn't go away automatically until 2027, which is when I am schedule to pay off 22% of the lon under th...
by limeyx
Sun Aug 05, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs and Mutual Funds
Replies: 8
Views: 665

Re: ETFs and Mutual Funds

Does anyone here hold both? Is there a situation where it make sense (or not) to hold both in a portfolio? I have ETFs in my taxable account because I wanted Vanguard funds but my account is at Schwab and I didnt want to move it to Vanguard or pay $79 in trade fees. I have MFs in my IRA at Vanguard
by limeyx
Sun Aug 05, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10216

Re: Few weeks into new job recieved significantly better offer elsewhere

I've been on the other side of this and it's really frustrating from a hiring manager's perspective. Twice, I've had folks just not show up to orientation and tell us they took another offer afterwards. Another time, the person left after a week to be a team lead. In the second case, we actually hi...
by limeyx
Sat Aug 04, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 87
Views: 6347

Re: Nespresso?

Anyone have a nespresso? I have had a cup before, but I think it was a commercial nespresso. How do the residential versions compare? I have a cuisinart DCC-1200, and wondering how much of an upgrade it would be. I am not really worried about the cost, just the quality. Any nespresso users out ther...
by limeyx
Sat Aug 04, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 6724

Re: Financial Planner is going to buy funds for me. What should I find out first before letting him?

What else? I'm happy to let him make the initial purchase of funds, but I want to make sure that they are good ones to invest in, don't incur any unnecessary costs up front, and won't cost me anything to switch to different ones if I so choose. Where will the funds be held? Who will have access to ...
by limeyx
Sat Aug 04, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Making a mistake considering a new job?
Replies: 31
Views: 2194

Re: Making a mistake considering a new job?

Sure sounds like you currently have a unicorn. I’d ride that pony. I didn’t consider how big of a downer commute before I made a career change. 2 hours in a car each day is a drain. All told still an incredible decision to make, well done :sharebeer Agreed. Commute time limits my career significant...
by limeyx
Sat Aug 04, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10216

Re: Few weeks into new job recieved significantly better offer elsewhere

I've been on the other side of this and it's really frustrating from a hiring manager's perspective. Twice, I've had folks just not show up to orientation and tell us they took another offer afterwards. Another time, the person left after a week to be a team lead. In the second case, we actually hi...
by limeyx
Sat Aug 04, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10216

Re: Few weeks into new job recieved significantly better offer elsewhere

Tread carefully. You don't want a stretch of unemployment and a few week job on your resume very often. I might be inclined to stay where you are for 1 year. Money is not the end all/be all. Taxes chew up at your top level. Actually, many would disagree (as I do). For a 1-week job, you won't even l...
by limeyx
Sat Aug 04, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 6103

Re: Will dividend spending only portfolio last forever ?

Of course spending only the dividends is perpetual. If you just spend whatever the portfolio throws off in dividends the principle shares are never sold. Of course dividends fluctuate significantly so one year you may eat steak and another year dog food but oh well. That's what happens when you hav...
by limeyx
Fri Aug 03, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Storing Cord Blood For New Baby
Replies: 13
Views: 1604

Re: Storing Cord Blood For New Baby

It is currently a way to make money off of nervous, well off parents. However, I do recommend that they donate it. We did some research too and this is exactly what we did. There is a slight issue with this in that you have to cut the cord a bit earlier than we were hoping but it seemed like the be...
by limeyx
Wed Aug 01, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 69895

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

"Fidelity said the fee changes will save shareholders approximately $47 million annually." "In 2017, Boston-based Fidelity reported $18.2 billion in revenue, up 14% from the prior year, and $5.3 billion in operating income, a 54% year-over-year increase, it said in its annual report to shareholders...
by limeyx
Wed Aug 01, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 69895

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

"Fidelity said the fee changes will save shareholders approximately $47 million annually." "In 2017, Boston-based Fidelity reported $18.2 billion in revenue, up 14% from the prior year, and $5.3 billion in operating income, a 54% year-over-year increase, it said in its annual report to shareholders...
by limeyx
Tue Jul 31, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 53
Views: 7923

Re: should I use vanguard's 2 step verification sign in

You need the text message code when using a new device or computer, or after a software update that deletes the stored cookie in your browser. I use the text message code, but despise it because it’s useless when traveling overseas or outside of data range. That’s why I prefer a revolving token, li...
by limeyx
Tue Jul 31, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning? [How to finance?]

Seattle area resident Today will reach 82°F (currently my house 75°F outside 78°F, 47% relative humidity mostly sunny), with no more days above 80°F for all of August. Slightly warm day for Seattleites. Yeah today was cold compared to the roaster of Sunday ... our AC struggles since we didnt turn i...
by limeyx
Tue Jul 31, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning? [How to finance?]

I just replaced two HVAC systems (ACs and furnaces) that were nearly 30 years old. My best advice is: 1. Do your homework or you'll be taken to the cleaners. I found the following blog to be extremely informative (https://asm-air.com/asm-air-conditioning-blog/) and would have hired ASM to do the jo...
by limeyx
Tue Jul 31, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning?

We installed a new 95% furnace and 2.5Ton Bryant AC for around $10,500 in the Pacific Northwest a couple of years ago. So beyond worth it, especially yesterday when the heat was way over 90F ! I thought that was expensive but I got multiple quotes and most were $11K-$13K for either Furnace/AC or He...
by limeyx
Mon Jul 30, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning? [How to finance?]

Ceiling fans in the upstairs rooms helped us tremendously too although if your AC inlet would already be upstairs then might not make so much of a difference
by limeyx
Mon Jul 30, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning?

Spent 30+ years in Seattle. Those hot weeks were not fun, but it ended up being significantly cheaper to just buy two of the stand-alone room units for the couple of weeks of real warm weather per year. It used to be a couple of weeks but since we've been here (past 6 years) its been all or half of...
by limeyx
Mon Jul 30, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning?

I’d get a quote before the getting attached to the idea. I’ve never spent less than $11k on an A/C system. We installed a new 95% furnace and 2.5Ton Bryant AC for around $10,500 in the Pacific Northwest a couple of years ago. So beyond worth it, especially yesterday when the heat was way over 90F !...
by limeyx
Mon Jul 30, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 6072

Re: Consistently over budget on food - what are you guys eating?

The wife and I have a $700 budget for food, however every month we seem to come to that limit or even over it. On some of the threads here I am seeing families having a food budget lower than us and I'm trying to understand what my wife and I are doing wrong as $700 seems high to me, but we continu...