Search found 259 matches

by limeyx
Tue Feb 05, 2019 2:58 pm
Forum: Personal Investments
Topic: Am I missing out on Roth IRA
Replies: 23
Views: 3036

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: 159
Views: 7925

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: 159
Views: 7925

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: 159
Views: 7925

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: 1139

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: 10240
Views: 1807182

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: 285

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: 7351

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: 7351

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: 10240
Views: 1807182

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: 10240
Views: 1807182

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: 10240
Views: 1807182

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: 3939

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: 1080

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: 8000

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: 10240
Views: 1807182

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: 3333
Views: 633818

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: 3333
Views: 633818

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: 10240
Views: 1807182

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: 9498

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: 10240
Views: 1807182

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: 570
Views: 64019

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: 570
Views: 64019

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: 570
Views: 64019

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: 8131

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: 570
Views: 64019

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: 8131

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: 22392

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: 22392

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: 22392

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: 3012

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: Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28985

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: 1885

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: 570
Views: 64019

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: 570
Views: 64019

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: Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 22
Views: 2131

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: 2683

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: Personal Investments
Topic: What do you know about LPL Financial?
Replies: 26
Views: 2650

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: Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28985

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: Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28985

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: 22392

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: 1358

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: 1247
Views: 108800

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: 7191

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: Personal Investments
Topic: Investing fractional dollars in small (Vanguard) accounts
Replies: 2
Views: 291

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: Personal Investments
Topic: Investing fractional dollars in small (Vanguard) accounts
Replies: 2
Views: 291

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: 5457

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: 5457

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: 1722

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: 1722

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 ...