Search found 278 matches

by limeyx
Tue Aug 20, 2019 6:38 pm
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 2673

Re: How much does your employer 401k plan charge?

I work in a tiny company, just a handful who are in our 401k. The plan charges, on top of the individual ER's for each fund available, a 1.1% plan administration fee that blankets the whole thing. Is this high for a small company 401k plan? Small company here and we get charged 0.75% And added to t...
by limeyx
Thu Aug 08, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1890
Views: 196629

Re: U.S. stocks continue to soar!

pokebowl wrote:
Tue Aug 06, 2019 2:14 pm
Bluce wrote:
Tue Aug 06, 2019 8:54 am
First in. :shock:

It's different this time, the "free fall" is over, lock the other thread. :annoyed
Who here remembers the great crash of early August 2019?
My therapy bill is enormous from this event and reminding me of it isn't helping !
by limeyx
Thu Aug 08, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 3099

Re: which stud finder?

I want to get a stud finder so I can install a grab bar in my bathroom. The prices of these vary from $10 to $50. I just want one what works well, so I have no clue how much to fork out. Can anyone recommend one or say something illuminating? Thanks. I have this one https://smile.amazon.com/CH-Hans...
by limeyx
Mon Aug 05, 2019 11:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

Again, the 3 T's at work again today: tweets, tariffs, and trade. We are in a trade war with China, don't want to get political here but it might not be such a bad thing. US Companies might discover that things really can be made here in the United States and production will also shift to friendlie...
by limeyx
Mon Aug 05, 2019 11:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

Wait, what? :confused I thought BH's are in for the long haul and aren't pre-occupied with the daily gyrations of the market? Am I missing something, or are there hypocrites among us? You're missing the fact that we are all just innocently checking for juicy ripe tax-losses to havest. Every farmer ...
by limeyx
Wed Jul 31, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6730

Re: What's your Uber passenger rating?

5.00 but only started using this year
by limeyx
Tue Jul 23, 2019 12:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

stocks and bonds both falling off the cliff today as hopes of rate cut fade. I'll stay in cash, thanks. crap i should have bought the dip Somebody should really announce dips and peaks in advance. Would make things so much more civilized They do it all the time. Most of the time they're wrong thoug...
by limeyx
Tue Jul 23, 2019 12:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

stocks and bonds both falling off the cliff today as hopes of rate cut fade. I'll stay in cash, thanks. crap i should have bought the dip Somebody should really announce dips and peaks in advance. Would make things so much more civilized CNBC does this all day, stopping only for ads for Fisher Inve...
by limeyx
Tue Jul 23, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 4100

Re: What companies provide the best customer service

I know there is a long thread about favorite consumer products. However, I can’t find one on companies that routinely provide quality customer service. I try to steer myself towards such companies for obvious reasons - for my own benefit and to reward the “better” company. For me, Amazon and Apple ...
by limeyx
Fri Jul 05, 2019 10:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

TaxingAccount wrote:
Fri Jul 05, 2019 11:51 am
TaxingAccount wrote:
Fri Jul 05, 2019 9:36 am
stocks and bonds both falling off the cliff today as hopes of rate cut fade. I'll stay in cash, thanks.
crap i should have bought the dip
Somebody should really announce dips and peaks in advance. Would make things so much more civilized
by limeyx
Sat Mar 23, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

Time for a bump! :moneybag 4.5% off the all time high. Quite the free fall. Just sold everything What does the person who bought what you sold know that you don't know? :confused Most likely a market maker who knows nothing. Sorry, forgot the "Didn't actually do it" Emoticon !!!!! :dollar :dollar :...
by limeyx
Fri Mar 22, 2019 10:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

DonIce wrote:
Fri Mar 22, 2019 12:51 pm
walletless wrote:
Fri Mar 22, 2019 12:49 pm
Time for a bump! :moneybag
4.5% off the all time high. Quite the free fall.
Just sold everything
by limeyx
Tue Mar 19, 2019 12:33 am
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 4164

Re: Garbage Disposal: So many choices out there. How do you decide which one?

I'm in the market for a garbage disposal. There are a lot of choices. What should one look for in a GD? Appreciate all the help I can get. 1210 I got the biggest Insinkerator they sell. I love it. Its super quiet and eats anything. Does take a lot of room under the sink though... Their customer ser...
by limeyx
Tue Mar 19, 2019 12:31 am
Forum: Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 132
Views: 22991

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

yukon50 wrote:
Mon Mar 11, 2019 11:30 pm
OP, update?
Too busy buying stocks ?
by limeyx
Tue Mar 19, 2019 12:23 am
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 5648

Re: What's Your Opinion on Nest Thermostats

I got one as a door prize. Fairly easy to install and connect to my house wifi. It's nice to look at but I'm not sure whether it's saved me any electricity. TravelforFun Agree. I'd definitely try ecobee if I was going again Works well enough but doesnt control a variable rate fan (not sure if the E...
by limeyx
Mon Mar 18, 2019 11:59 pm
Forum: Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 59
Views: 7903

Re: Vanguard PRIMECAP and Capital Opportunity

You can’t buy Odyssey through Vanguard. I tried but it didn’t work, maybe I’m missing something. Are the Odyssey equivalents as good as the VG Primecaps? Can you buy at Fidelity? I don’t know if it’s equivalent, but they don’t show up as Vanguard mutual funds, I would just try to put the ticker sym...
by limeyx
Sun Feb 24, 2019 11:50 pm
Forum: Personal Investments
Topic: Am I missing out on Roth IRA
Replies: 28
Views: 4716

Re: Am I missing out on Roth IRA

Don't do taxable investing before you have maximized all available tax-advantaged accounts. Traditional and Roth IRA will both be better than taxable. Between traditional or Roth IRA, it depends your marginal tax rates now vs marginal tax rate when you withdraw. See wiki article Traditional versus ...
by limeyx
Sun Feb 24, 2019 11:48 pm
Forum: Personal Investments
Topic: Am I missing out on Roth IRA
Replies: 28
Views: 4716

Re: Am I missing out on Roth IRA

And you can do a Roth contribution for each of you, so you can put in $11,000 (5500 * 2) for 2018 and $12,000 for 2019. Just did exactly this at the beginning of Jan Did you do this with new funds or selling from existing taxed account? I'm on the fence about which option to go - I'm leaning toward...
by limeyx
Tue Feb 05, 2019 2:58 pm
Forum: Personal Investments
Topic: Am I missing out on Roth IRA
Replies: 28
Views: 4716

Re: Am I missing out on Roth IRA

David Jay wrote:
Thu Jan 31, 2019 8:41 pm
And you can do a Roth contribution for each of you, so you can put in $11,000 (5500 * 2) for 2018 and $12,000 for 2019.
Just did exactly this at the beginning of Jan
by limeyx
Sun Jan 06, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 9540

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

Thesaints wrote:
Thu Jan 03, 2019 6:44 pm
limeyx wrote:
Thu Jan 03, 2019 4:01 pm
Just funded our 2019 Roths. Cue a 6 month market decline from today onwards now !
Next time let us know in advance, so we can short.
Heh heh heh
by limeyx
Thu Jan 03, 2019 4:02 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 9540

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

How are you able to buy an ETF with 2019 IRA funds on the first trading day? Best I can seem to find involves transferring money into a settlement fund for a purchase at a later date. I transfer money from my Capital One 360 directly into Vanguard's settlement fund and the money is available to buy...
by limeyx
Thu Jan 03, 2019 4:01 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 9540

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

$13k went in VT immediately today. I never knew how many market timers are actually on this forum until I read this thread. Buy dips, wait until a first low, go in on a down day, keep cash for later purchases etc... Just funded our 2019 Roths. Cue a 6 month market decline from today onwards now !
by limeyx
Wed Jan 02, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: AED for the home? [Automated External Defibrillator]
Replies: 22
Views: 1201

Re: AED for the home?

Hi, hoping this isn't considered medical. Anyone think having an AED at home is reasonable? What about price? Uncle is interested in getting one. To me the big question is if that is the best way to spend the money on. A lot of people are hurt in things like falls on stairs and in showers or car ac...
by limeyx
Wed Jan 02, 2019 3:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

J G Bankerton wrote:
Wed Jan 02, 2019 10:58 am
Is the 2019 free-fall over? `
Barely beginning yet !
by limeyx
Fri Dec 28, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: TLH @Schwab
Replies: 3
Views: 311

Re: TLH @Schwab

Nate79 wrote:
Fri Dec 28, 2018 8:41 pm
I have been TLH @Schwab during this stock market decline. Click click click. Easy peasy.
Same (with ETFs though)
by limeyx
Fri Dec 28, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 8199

Re: What was your best investment in 2018?

Marketplace direct lending. 15.34% net annualized return... Followed by a direct lending LP fund at 10.46%... Followed by contract financing at 10.33%... Followed by real estate lending at 8%... Followed by consumer lending at 5.59%.. Stocks in the rear with the gear! How much of your portfolio do ...
by limeyx
Wed Dec 26, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 8199

Re: What was your best investment in 2018?

Private lending in my IRA. ~8% for the year. Not sure how this will fare in a true recession though
by limeyx
Mon Dec 24, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

Worst Christmas Eve drop in history -- ever. Merry Christmas! (I'm giving everybody coal this year). I thought coal was (the only thing?) up right now ? Better make it something cheaper :) Natural gas? Yeah I could give everyone a bag of "toddler toots" ? Or is that methane ? Probably close enough ...
by limeyx
Mon Dec 24, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

Worst Christmas Eve drop in history -- ever. Merry Christmas! (I'm giving everybody coal this year). I thought coal was (the only thing?) up right now ? Better make it something cheaper :) Natural gas? Yeah I could give everyone a bag of "toddler toots" ? Or is that methane ? Probably close enough
by limeyx
Mon Dec 24, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

CULater wrote:
Mon Dec 24, 2018 2:29 pm
Worst Christmas Eve drop in history -- ever. Merry Christmas! (I'm giving everybody coal this year).
I thought coal was (the only thing?) up right now ? Better make it something cheaper :)
by limeyx
Sat Dec 22, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How market timing will go wrong?
Replies: 62
Views: 4108

Re: How market timing will go wrong?

Time in the market matters. If you miss only the ten best days over a period of 10 years, you will reduce your gains by a third. Miss the 30 best days and your returns will be pretty much flat. https://www.businessinsider.com/cost-of-missing-10-best-days-in-sp-500-2015-3 What if you miss 10 worse d...
by limeyx
Fri Dec 21, 2018 12:20 am
Forum: Personal Investments
Topic: Peer to Peer Lending/Investing
Replies: 17
Views: 1181

Re: Peer to Peer Lending/Investing

jbsmith05 wrote:
Thu Dec 20, 2018 10:10 am
Anyone here have any experience as an investor on sites like Lending Club? Looks interesting - investing/helping people at the same time, also little to no correlation to the stock market.
Doing my best to get out of this entire area as fast as possible!
by limeyx
Wed Dec 19, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: What will be the low for the S&P 500?
Replies: 87
Views: 8602

Re: What will be the low for the S&P 500?

alfaspider wrote:
Wed Dec 19, 2018 3:54 pm
The low will be zero. Eventually the sun will explode, and human civilization will probably gone far before that happens :mrgreen:

In the near term, I will throw out 1,800 as a WAG.
That's why we all need to be buying VTU (Vanvguard total Universe) to diversify against this case !
by limeyx
Wed Dec 19, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in free fall

They were hoping for no more hikes next year and instead we get 2. They were hoping their temper tantrum and selloff would work as it had in previous years. Glad we have a fed with balls now. QT and rate hikes continue unabated. Rate hike "Not dovish enough". :oops: Going to keep backing up the tru...
by limeyx
Sat Nov 17, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4137
Views: 791062

Re: What's Your Credit Card Rewards Strategy?

What you are describing is something called “backdating”, and only Amex did this. Note that Amex too stopped this practice at least 3 years ago, and if you cancel the card but apply for another Amex card later, it will NOT inherit the opening date of the oldest card. ? I just applied for a new Amex...
by limeyx
Mon Nov 12, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4137
Views: 791062

Re: What's Your Credit Card Rewards Strategy?

What you are describing is something called “backdating”, and only Amex did this. Note that Amex too stopped this practice at least 3 years ago, and if you cancel the card but apply for another Amex card later, it will NOT inherit the opening date of the oldest card. ? I just applied for a new Amex...
by limeyx
Tue Oct 23, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

Re: U.S. stocks in freefall

pokebowl wrote:
Tue Oct 23, 2018 3:38 am
Looking at Global markets this evening and US futures, figured I'd warm up this thread for the incoming drop today. :twisted:
Damn, I'll be too busy working to monitor today's dropping !
by limeyx
Sun Sep 23, 2018 11:03 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9678

Re: Are We Headed For A Passive Index Meltdown?

EyeYield wrote:
Thu Sep 20, 2018 8:44 am
If everybody got in their cars and drove at the same time, we would be headed for a transportation meltdown.
Yup, and the next day 1/2 would stay home (or take the bus, or walk) and so it balances out --- we hope :)
by limeyx
Mon Sep 17, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124668

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: 1890
Views: 196629

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: 1890
Views: 196629

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: 1890
Views: 196629

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: 131
Views: 8579

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: 1890
Views: 196629

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: 131
Views: 8579

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: 23563

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: 23563

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: 23563

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: 3078

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)