Search found 75 matches

by keanoz
Tue Jun 30, 2020 5:55 pm
Forum: Investing - Theory, News & General
Topic: My next move: 1 M in gold and 1 M in Zoom
Replies: 75
Views: 3841

Re: My next move: 1 M in gold and 1 M in Zoom

Go for it. Maybe it works and maybe it will be a learning opportunity
by keanoz
Sun Jun 21, 2020 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house - am I ready?
Replies: 14
Views: 1405

Re: Buying house - am I ready?

Is your rent 3k per month? If it's 3k per year, recommend not buying a house and rent that as long as possible :-) Can you buy a house for 7-800k within a reasonable commute in the bay area? When I was looking to relocate there last year, I had trouble finding stuff in that range. Sure east or down...
by keanoz
Sat Jun 13, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I borrow money for a new car?
Replies: 36
Views: 2837

Re: Should I borrow money for a new car?

Like everyone else I would say do not spend 40K on a new van. Save up some more then consider a couple years old van for like half the price.
by keanoz
Thu Jun 11, 2020 4:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19255
Views: 2672707

Re: U.S. stocks in free fall

not going to lie, today kind of hurt
by keanoz
Sat May 16, 2020 12:36 am
Forum: Personal Investments
Topic: Has anyone else invested this way?
Replies: 13
Views: 1215

Re: Has anyone else invested this way?

Yeah hope to do 5-6k a month for the next 40 years straight into fskax
by keanoz
Sun Apr 19, 2020 3:14 am
Forum: Personal Investments
Topic: How to put $100K into the market now?
Replies: 34
Views: 3720

Re: How to put $100K into the market now?

Hello Everyone, I have about $100K in cash that I would like to put into equities - I am thinking SP500; perhaps a portion of it into SP600. In hindsight, I should have dumped everything in during the March lows, but that's water under the bridge now. Do you think I should DCA? If so, over what tim...
by keanoz
Fri Apr 10, 2020 2:36 pm
Forum: Personal Investments
Topic: Your AA once you hit 7 figures
Replies: 34
Views: 2645

Re: Your AA once you hit 7 figures

I think age is more important as a indicator of when to change
by keanoz
Mon Apr 06, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Another college choice question
Replies: 28
Views: 1609

Re: Another college choice question

I would not count on CMU. I would take GT in a heartbeat. I grew up in the bay and never met anyone that went to UT Dallas
by keanoz
Mon Apr 06, 2020 3:13 pm
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12653

Re: I am a Massive Loser

You got a mil in your 30's, that is awesome! While this is a hiccup, you will be fine in the long term. Just DCA back in and you will be fine.
by keanoz
Fri Mar 27, 2020 11:27 pm
Forum: Personal Investments
Topic: Why not play the reverse ETFs now
Replies: 24
Views: 1431

Re: Why not play the reverse ETFs now

Market seems way too volatile for this. Take this week for example
by keanoz
Fri Mar 27, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63808

Re: So bottom is probably behind us....right?

Yesterday was a very nice short opportunity :sharebeer Shorted with 10% of portfolio value with SPXU @ 2'630 Sold 20% of portfolio value in VTI @ 2'630 Let's get into the 2nd stage of the bear :sharebeer Man I sure hope you get burned!!! We will probably be retesting the 2200 low, so even if it onl...
by keanoz
Thu Mar 19, 2020 3:02 am
Forum: Personal Investments
Topic: I am 16, Bogleheads help me be rich one day
Replies: 114
Views: 7948

Re: I am 16, Bogleheads help me be rich one day

Your young and your hungry. This alone should take you far. Get a good education in something you are passionate in. Continue saving and investing aggressively and if all goes well some day you will be :moneybag Goodluck! :happy
by keanoz
Mon Mar 16, 2020 5:18 pm
Forum: Investing - Theory, News & General
Topic: Poor timing confessions
Replies: 8
Views: 933

Re: Poor timing confessions

Bought sqqq before fridays run up but sold today at a bit of a loss bc I didnt feel it was for me just buying TSM from here
by keanoz
Mon Mar 16, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: Poll - How much of a crash are you predicting?
Replies: 82
Views: 5388

Re: Poll - How much of a crash are you predicting?

said -20 to -25 % in the old thread but now -40% to -50%
by keanoz
Sat Feb 29, 2020 4:25 pm
Forum: Personal Investments
Topic: Puts vs 3x Ultra Short S&P500
Replies: 6
Views: 346

Re: Puts vs 3x Ultra Short S&P500

I am curious about 3X inverse S&P vs 3X S&P One is the opposite of the other. I you held both, in theory (with discrepancies due to cost), they should cancel each other out. See: https://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=&insttype=Fund&symb=UPRO&x=21&y=11&time=19&startdate=1...
by keanoz
Sat Feb 29, 2020 4:18 pm
Forum: Personal Investments
Topic: Puts vs 3x Ultra Short S&P500
Replies: 6
Views: 346

Re: Puts vs 3x Ultra Short S&P500

I am curious about 3X inverse S&P vs 3X S&P
by keanoz
Thu Feb 27, 2020 12:50 am
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25232

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

This thread is a prime case study of why the fundamental premise of Bogleheads is flawed - namely, that ordinary people without financial expertise can be expected to stay the course without expert advise. I'm still waiting to hear an argument (convincing, or otherwise) as to why moving 100% of one...
by keanoz
Sun Feb 23, 2020 3:06 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 475112

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I’m curious to the folks currently trying out the 55 UPRO/45 TMF. Would buy and hold work for this? I’m thinking of placing part of my taxable portfolio in these funds and would continue to purchase them on a biweekly basis. For taxable, I suggest leaning on the strengths of taxable, which is tax d...
by keanoz
Tue Feb 18, 2020 8:21 pm
Forum: Personal Investments
Topic: New member: Is 85% S&P 500 index stupid?
Replies: 48
Views: 4757

Re: New member: Is 85% S&P 500 index stupid?

I am
80 US
15 Intl
5 bond
by keanoz
Tue Feb 11, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Out of State Colleges - Good Computer Science Bargains?
Replies: 65
Views: 4586

Re: Out of State Colleges - Good Computer Science Bargains?

I would stay in state. SJSU is a big feeder school to many tech companies. SLO is relatively cheap and is also a great school. Transferring is a great option. Last I go to a UC for cs and its about 15K.
by keanoz
Fri Jan 24, 2020 1:32 am
Forum: Personal Finance (Not Investing)
Topic: $2 million at a young age
Replies: 78
Views: 8966

Re: $2 million at a young age

Figured I would chime in because while I am by far not the most knowledgeable to post, I am a year older than you with a similar amount due to a medical malpractice when I was born and inheritance my dad passing a couple months ago. First off, I hope you are handling the loss ok. I know it is rough ...
by keanoz
Wed Jan 22, 2020 11:36 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27078

Re: Sad news: LadyGeek's husband has passed

Sorry for your loss
by keanoz
Thu Jan 02, 2020 4:04 pm
Forum: Personal Investments
Topic: VTI. Buy Now or Wait for a Dip?
Replies: 44
Views: 4368

Re: VTI. Buy Now or Wait for a Dip?

I wouldn't worry about a dip, especially if you are invested for the long run. I had the same amount 2 weeks ago and bought asap
by keanoz
Tue Dec 31, 2019 8:45 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1471
Views: 196928

Re: Post your Financial Milestone Announcements Here

This year: Mortgage paid off. Recently celebrated my 65th birthday and so as a consequence, gone also are the large monthly health insurance premiums. Had a banner year in my business. And then last month, I retired. Managed to save more this year than anticipated plus with the market returns endin...
by keanoz
Fri Aug 09, 2019 4:48 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 397103

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Just jumped into ntsx because I only have a taxable. Thanks for the info Why can't you do upro/tmf 40/60? I am doing the same I'm taxable in M1...? Why is ntsx better than upro/tmf? I was going to do that but most people seem to agree that the tax burden to re balance quarterly would be a burden. T...
by keanoz
Fri Aug 09, 2019 4:33 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 397103

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Just jumped into ntsx because I only have a taxable. Thanks for the info
by keanoz
Sun Feb 10, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Bose 301
Replies: 44
Views: 2948

Re: Upgrade from Bose 301

Take that money burning a hole in your pocket and put it in a CD or something. The 301s are fine. I'll keep mine till I die. Very good advice I’ll probably wind up following. I did rerun my Sony’s calibration and it did set my speakers somewhat appropriately. I had to make a few tweaks. With my new...
by keanoz
Fri Feb 08, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Bose 301
Replies: 44
Views: 2948

Re: Upgrade from Bose 301

Elacs would be the best for that price
by keanoz
Sun Jul 09, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust - what should a trustee not do?
Replies: 20
Views: 2284

Re: Special Needs Trust - what should a trustee not do?

While I had an irrevocable trust, I was eligible to get benefits. So I am guessing that is what you are looking for. Just know, after terminating the trust, I had to pay some amount back (for therapy the government payed for and some months my account went over the limit for how much cash I could ho...
by keanoz
Fri Jun 30, 2017 12:51 am
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 29538

Re: Switching to Fidelity's new Total International Index (includes small cap!)

It's definitely worth discussing. It's pretty important to know what transactions can be made, and which will be stopped (especially if you are making exchanges in multiple accounts, and need all exchanges to execute to maintain asset allocation). We know that the $100k figure has some significance...
by keanoz
Sat Jun 24, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 9373

Re: Bay Area housing

It's a lateral move, so what's the issue? You'll pay more for re taxes. I would think the California real estate bubble will have to pop sooner or later. Everyone is saying it's different this time....lol. Funny how so many people here seem to be split on whether we are in a bubble or not. To me, t...
by keanoz
Wed Jan 25, 2017 11:11 am
Forum: US Chapters
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 17524

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday!
by keanoz
Sun Oct 30, 2016 7:07 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

First, sorry for not posting back sooner, but I have been very busy with school. Also, while I know international stock provides diversification, what is the point? The return looks bad and they seem to be riskier? Also, I understand what your saying about risk tolerance. I will just try to keep to...
by keanoz
Fri Oct 28, 2016 10:17 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

Your allocation is fine. 90% stocks is a good allocation for a young person. I recommend 20% to 50% of your stocks to be International. As a young investor, I was very risk averse. In October 1987, the stock market crashed and I suffered losses of hundreds of dollars. Emotionally, it may as well ha...
by keanoz
Mon Oct 24, 2016 10:28 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

Whoops! Do you know what your capital gains tax bill will be? I would get that figured out before just liquidating funds. Total account said 94k in gains so 14K ish I think? Okay, just so you know what you are paying in capital gains taxes. My current IPs Investment Philosophy:Buy and hold for the ...
by keanoz
Mon Oct 24, 2016 3:34 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

Will do! Ill be back once the funds are liquidated (just sent a letter to tell the bank to do so). Also, where should I get a advisor? I heard napfa is good? Whoops! Do you know what your capital gains tax bill will be? I would get that figured out before just liquidating funds. Total account said ...
by keanoz
Fri Oct 21, 2016 5:31 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

Hello Keanoz, I've much enjoyed reading through this thread. I'm not learned, but my take is that a few of these folks helping you are most knowledgeable. Maybe even a fiduciary's fiduciary. Have you thought about sharing this thread with your Dad? And congratulations on your youthful wisdom seekin...
by keanoz
Thu Oct 20, 2016 12:09 am
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

Will do! Ill be back once the funds are liquidated (just sent a letter to tell the bank to do so). Also, where should I get a advisor? I heard napfa is good? Whoops! Do you know what your capital gains tax bill will be? I would get that figured out before just liquidating funds. Maybe Im being naiv...
by keanoz
Thu Oct 20, 2016 12:07 am
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

Will do! Ill be back once the funds are liquidated (just sent a letter to tell the bank to do so). Also, where should I get a advisor? I heard napfa is good? Whoops! Do you know what your capital gains tax bill will be? I would get that figured out before just liquidating funds. Total account said ...
by keanoz
Wed Oct 19, 2016 7:37 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

I think Fidelity is a good choice. Check into their Fidelity Go service, where the all-in fees of management fees plus fund expense ratios will likely be cheaper than Vanguard. As I understand it, it is a combination of humans and robots and the service uses index funds. If I turned over my retirem...
by keanoz
Mon Oct 17, 2016 10:00 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

In terms of getting a trust, I figured it would be good to have one in case. Anyway, I went to fidelity and spoke with a adviser and honestly, she didn't say much, but I opened a account because I need a place to put the funds and I think fidelity will better suit me. As I mentioned prior, talking ...
by keanoz
Sun Oct 16, 2016 11:15 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

In terms of getting a trust, I figured it would be good to have one in case. Anyway, I went to fidelity and spoke with a adviser and honestly, she didn't say much, but I opened a account because I need a place to put the funds and I think fidelity will better suit me. As I mentioned prior, talking o...
by keanoz
Thu Oct 13, 2016 10:20 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

Thanks guys. My dad actually liked this guy because both of my lawyers said he is trustworthy. However, after I pointed out these things, my dad agreed with me. Anyway, is there anything specific I should ask the vanguard and fidelity advisers. I figured I would ask what their overall plan for me wo...
by keanoz
Thu Oct 13, 2016 5:50 pm
Forum: Personal Investments
Topic: Financial advice for a 20 year old
Replies: 94
Views: 10859

Re: Financial advice for a 20 year old

Hey guys. So I just met with the adviser that my lawyer suggested and he left a sour taste in my mouth. First of all, I acknowledge I hay have been a little too critical so let me know what you guys think. Anyway here are the things that irked me. 1. I obviously asked for if he would sign a fiduciar...