Search found 111 matches

by Accrual
Wed Jul 03, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 14983

Re: Staying the course is so hard (support thread)

Considerations: 1. Work part time - take a break. (put yourself in "time out") 2. Spend more time with family. 3. Rediscover old hobbies and pastimes and passions, discover new ones. 4. Spend time with yourself, centered, at peace, still. 5. Forget about the house for now. 6. Forget about finances ...
by Accrual
Tue Jul 02, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: So the year is officially half over
Replies: 32
Views: 3503

Re: So the year is officially half over

I added short-term TIPs. AA is 70/30 @ late 20s.
by Accrual
Mon Jun 24, 2019 4:18 pm
Forum: Investing - Theory, News & General
Topic: Purpose of Stocks?
Replies: 29
Views: 5783

Re: Purpose of Stocks?

The argument that there is intrinsic value in a stock is predicated that the company will exist forever, correct? Yes, on an individual company basis, that often is an assumption. The bad news: of course the assumption is not true. The good news: it does not matter. The math is such that is does no...
by Accrual
Fri Jun 21, 2019 9:41 am
Forum: Investing - Theory, News & General
Topic: Purpose of Stocks?
Replies: 29
Views: 5783

Re: Purpose of Stocks?

From a Bogleheads perspective, if we invest in index funds which hold many different stocks, we own stock in companies in different life phases - some small but growing, some thriving, some treading water yet profitable, some on the way to death. But since we have our risk spread out across many st...
by Accrual
Fri Jun 21, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: Purpose of Stocks?
Replies: 29
Views: 5783

Purpose of Stocks?

Hi All, I will most likely be showing my ignorance as a result of this post, but thought it best to ignore my self-consciousness and ask you fine folks the following question: what is the purpose of owning stocks / public equity? My question has the following context: Equity ownership entitles an in...
by Accrual
Thu Jun 20, 2019 4:55 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1007
Views: 135956

Re: Post your Financial Milestone Announcements Here

Darth Xanadu wrote:
Fri May 31, 2019 10:38 am
Today I hit the maximum for my 401k contributions; this is the earliest point in the year I've ever done so. The extra cash in my paychecks over the next 7 months will be nice!
Congrats! No employer match?
by Accrual
Mon Jun 17, 2019 7:49 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 34480

Re: A way to "thank" posts

Send a PM. I would stop visiting this website if such Facebook-esque 'features' were ever implemented.
by Accrual
Thu Apr 11, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 18878

Re: Bogleheads, why won't anyone hire me?

PPD is based out of Wilmington; why not apply there? I live in the Raleigh area (RTP) and the job market is very hot here. Unsure why you think otherwise. I applied to PPD 44 times (yes 44). Had 1 interview there which I thought went amazing back in 2017, but never heard back. Wilmjngton is a tough...
by Accrual
Thu Apr 11, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 18878

Re: Bogleheads, why won't anyone hire me?

PPD is based out of Wilmington; why not apply there?

I live in the Raleigh area (RTP) and the job market is very hot here. Unsure why you think otherwise.
by Accrual
Wed Apr 03, 2019 11:49 am
Forum: Personal Investments
Topic: I bought a stock for the first time.
Replies: 66
Views: 4368

Re: I bought a stock for the first time.

J G Bankerton wrote:
Wed Apr 03, 2019 9:04 am
My LYFT is up 5% in 24 hours, should I sell and buy Bitcoin? Bitcoin is over $5,000 with a rocket and I don't want to miss out.
Are you trolling / is this a troll thread?
by Accrual
Fri Mar 22, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5979

Re: Do you still wear a necktie to work?

On topic - can anyone provide specific resources for someone who wants to improve their business casual wardrobe? 28 years old, just got promoted into a managers role (accounting / finance). Office environment is very casual (some days I wear business sponsored t-shirts & jeans). I feel like I need ...
by Accrual
Fri Mar 22, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Moving from NYC to Miami
Replies: 18
Views: 2066

Re: Moving from NYC to Miami

I wouldn't purchase real estate in Miami.

https://www.bloomberg.com/news/features ... er-problem
by Accrual
Tue Mar 19, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 817
Views: 99285

Re: That's enough for me in 2019

But the point is, at least in the past, you didn't have to avoid the crashes to become very wealthy. It's hasn't been a necessary condition to win the game. Market timers feel it's necessary to miss the crashes. But, so far, one has gotten wealthy even invested through the crashes. That is because ...
by Accrual
Tue Mar 19, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 817
Views: 99285

Re: That's enough for me in 2019

Here's the thing. The 10% long-term historical return from the stock market? That INCLUDES the crashes. Read that again. In the past, you didn't have to avoid the crashes to make good money... in the long run. I understand. Yet, future crashes will undoubtedly not be the same as prior crashes. The ...
by Accrual
Tue Mar 19, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 817
Views: 99285

Re: That's enough for me in 2019

This is my top-calling post. Feel free to bump as we make new highs. We are less than a quarter into 2019 and it has already been incredible year for equities and bonds. My portfolio is up 15% YTD and crossed a nice round number on Friday. Thanks to a decade of low interest rates, I've never had a ...
by Accrual
Sat Mar 09, 2019 5:20 pm
Forum: Personal Investments
Topic: Getting nervous..
Replies: 66
Views: 8046

Re: Getting nervous..

From your posts noting your disability, I would reset your AA to a more conservative ratio. This should alleviate your anxiety. I disagree. jay4u said "I am 64, retired disabled . . . ." Disability is almost entirely redundant when retired, disabled or not there is no earned income. (I am 73, retir...
by Accrual
Fri Mar 08, 2019 3:24 pm
Forum: Personal Investments
Topic: Getting nervous..
Replies: 66
Views: 8046

Re: Getting nervous..

From your posts noting your disability, I would reset your AA to a more conservative ratio. This should alleviate your anxiety.
by Accrual
Tue Mar 05, 2019 3:04 pm
Forum: Personal Investments
Topic: Time to sack Warren Buffett?
Replies: 41
Views: 4397

Re: Time to sack Warren Buffett?

I think you can do better. The main problem is that he has so much money that his universe for potential investments is really, really small. And yes his diet is garbage. How the heck does this guy live to 90 when he eats like a 5-year old??? Cokes, candy, ice cream, popsicles are staples for Warre...
by Accrual
Wed Feb 27, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: Naval on getting rich.
Replies: 79
Views: 10241

Re: Naval on getting rich.

I think every Boglehead should also study some Naval on investing. I became a fan of Naval Ravikant after listening to the podcast of his discussion with Shane Parrish on Farnam Street, https://fs.blog/naval-ravikant/ . The discussion was so good that Shane has made the transcript available to non-...
by Accrual
Fri Feb 22, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Do You Tip the Folks at the Feed Store?
Replies: 22
Views: 1939

Re: Do You Tip the Folks at the Feed Store?

Has to be a troll post (related to recent newspaper / Home Depot tipping threads).
by Accrual
Wed Feb 20, 2019 12:54 pm
Forum: Investing - Theory, News & General
Topic: Target Date funds are hazardous to your wealth
Replies: 59
Views: 8837

Re: Target Date funds are hazardous to your wealth

I think one of the main benefits of using a target date fund is that it severely limits the investor from deviating from their risk profile (other than outright sell of the fund). Most folks cannot be trusted to maintain an asset allocation across time; target date funds accomplish this at minimal c...
by Accrual
Thu Feb 07, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 69
Views: 11522

Re: World VCR production is ending next month. What to do with my old VHS tapes?

Hi All, Bumping this thread as I have recently been thinking of digitizing VHS tapes for my parents. Obviously, there are a lot of products that allow one to do so, but I am somewhat apprehensive of buying one as I feel as if my laptop is dated (Macbook Air 2013). Was hoping someone could chime in ...
by Accrual
Thu Feb 07, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 69
Views: 11522

Re: World VCR production is ending next month. What to do with my old VHS tapes?

Hi All, Bumping this thread as I have recently been thinking of digitizing VHS tapes for my parents. Obviously, there are a lot of products that allow one to do so, but I am somewhat apprehensive of buying one as I feel as if my laptop is dated (Macbook Air 2013). Was hoping someone could chime in o...
by Accrual
Mon Jan 28, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789376

Re: What's Your Credit Card Rewards Strategy?

Applied for CSR this past weekend and was denied with a CS: 800+ and Income: 100k. Under 5/24. Anyone have a clue as to why I would be denied? Account flagged for churning?
by Accrual
Wed Jan 02, 2019 10:41 am
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: 9537

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?

I have the money, but will be DCA'ing throughout the year in monthly $500 increments.

I realize the math / history says otherwise. I don't care. This is a behavioral issue, not a math issue.
by Accrual
Tue Jan 01, 2019 8:57 am
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 12066

Re: My favorite Boglehead posters

Easily Valuethinker. He does tend to ramble though ;-) Your contribution to this board cannot be overlooked, Valuethinker. I found an old 'climate change' topic from 2007 where you laid out some very insightful information, and since then I very much look forward to whenever you post. Thank you for...
by Accrual
Mon Dec 31, 2018 8:30 am
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 12066

Re: My favorite Boglehead posters

Easily Valuethinker.
by Accrual
Wed Dec 26, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123485

Re: U.S. stocks in free fall

Due to my young age this is my first experience with a relatively steep sell off. One of the interesting things I have noticed is how much of a decrease it takes to trigger my 5% re-balancing bands. For instance, my 70/30 portfolio has yet to cross over to 65/35 (currently at 64/36). I use 5/20 ins...
by Accrual
Wed Dec 26, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123485

Re: U.S. stocks in free fall

Due to my young age this is my first experience with a relatively steep sell off. One of the interesting things I have noticed is how much of a decrease it takes to trigger my 5% re-balancing bands. For instance, my 70/30 portfolio has yet to cross over to 65/35 (currently at 64/36).
by Accrual
Mon Dec 24, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123485

Re: U.S. stocks in free fall

In an effort to console newish members, many posters have noted that "Prices will go back up. This is typical and part of investing in equities."

I would like to remind those posters that an increase in future prices is not guaranteed. This is the risk we all assume through equity investments.
by Accrual
Sat Dec 22, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789376

Re: What's Your Credit Card Rewards Strategy?

Guys - Need some advice. Looking at applying for a new credit card specifically for travel / cash back rewards. I currently use Chase Freedom Unlimited. ~$15k of spend per year. In the past, I have had Chase Sapphire Preferred (Opened 6/2017) and Barclays Arrival + (Opened 5/2015). Currently plannin...
by Accrual
Fri Dec 21, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 25500

Re: Whose buying today? where's all the "dry powder" folks at? :)

We are! I have been buying 2k each time when the market drops 2%. Both DH and I have very stable job (well, never say never...I know), for the time being, I am raiding our emergency fund (~1yr reserve) to buy total market fund at a discount. Totally loving this! :greedy :D I logged in to specifical...
by Accrual
Thu Dec 20, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123485

Re: U.S. stocks in free fall

So this is a what a free fall feels like? It doesn't bother me at all, even though we've lost tens of thousands of dollars from the peak a few months ago. Honestly, I'm actually kind of glad for us at all because this will allow us to DCA into the market at lower prices. I would be fine if the mark...
by Accrual
Wed Nov 28, 2018 1:09 pm
Forum: Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5468

Re: My mutual funds are declining, please help!

"HODL".

Why troll these fine folks? As you can tell, they are more than willing to help. So why abuse their kindness?
by Accrual
Tue Nov 27, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 83
Views: 8190

Re: Financial goals for 2019 (specific)

Everything changed in April when my recently retired sweetie passed away. So... - Figure out what expected yearly expenses will be now as a single person. - Set up a plan to move investments into checking on an automated basis to match expected expenses - Review taxable / tax deferred investments, ...
by Accrual
Tue Nov 06, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3779

Re: Is Cloud-Based YNAB Worth It?

It is worth it for me. I do not use automatic bank imports, but rather find value in the cloud functionality. It is worth mentioning I am grandfathered in at the ~$50 / year subscription cost.
by Accrual
Tue Oct 30, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6917

Re: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]

No. Do you feel giddy when spoiled meat is marked down at the super market? Can you prove VXUS is not spoiled meat?
by Accrual
Wed Oct 03, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 7077

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

WhiteMaxima wrote:
Wed Oct 03, 2018 11:29 am
US companies have a lot of revenue form overseas. Apple, Amazon, Coke-Cola, MSFT, Google. I haven't seen their international competitors yet.
When you do, it will already be too late.
by Accrual
Mon Aug 27, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 23555

Re: Decent compensation to move to Bay Area CA?

greg24 wrote:
Mon Aug 27, 2018 9:43 am
John Bogle may ask if you already have enough.
This. OP projects issues outwards (CLT traffic, lack of diversity in current company, lack of skilled workers in current company) when the solution can be found by looking inward.
by Accrual
Fri Aug 17, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Worth seeing comedian live if already saw their Netflix special?
Replies: 20
Views: 2039

Re: Worth seeing comedian live if already saw their Netflix special?

Yes. Most of the time comedians abandon their "Netflix material" shortly after release, immediately working on new material. Plus, seeing a show live is an experience in itself, as laughter is truly contagious.
by Accrual
Fri Jul 27, 2018 12:35 pm
Forum: US Chapters
Topic: RIP investor
Replies: 22
Views: 4812

Re: RIP investor

The Wizard wrote:
Fri Jul 27, 2018 10:28 am
It's good that certain members keep track of others IRL.
We should have a rule about that...
Great idea.

Thanks for posting. The news makes the anonymous-nature of forums that much more real. I nice reminder there is always another person on the other end of a post, not just an idea.
by Accrual
Thu Jun 28, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Keep calm and Boglehead on!
Replies: 60
Views: 6421

Re: Keep calm and Boglehead on!

Tamarind wrote:
Thu Jun 28, 2018 8:13 am
Many things in life can cause fear, stress, and anxiety: work, family, politics, the inevitable heat death of the universe. I'm having some of that high anxiety myself today, but glad that investment worries are not contributing to it at all.
Tamarind,

This too shall pass.
by Accrual
Tue Jun 26, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5047

Re: MBA Options

Why are you getting an MBA? Once you answer this question, perhaps we will be better suited to answer yours. Money, job opportunities, finding a more fulfilling career. I have a bio undergrad that I don't use at all. Rather than getting another Bachelor, this is a way to shift more into the busines...
by Accrual
Tue Jun 26, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5047

Re: MBA Options

Why are you getting an MBA? Once you answer this question, perhaps we will be better suited to answer yours.
by Accrual
Fri Jun 22, 2018 9:11 am
Forum: Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 73
Views: 10051

Re: [100% stock, uncomfortable with international]

You don't touch on the 'why' you feel uncomfortable with international? Is it due to recent performance? If so - ignore. Remember, there is reward for bearing risk.
by Accrual
Thu Jun 21, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 4311

Re: What will (or would) you tip when wages go up?

Tip, if you want, but if you don't want to tip, YOU are the cheapskate. That is our society. Woven into the fabric of dining out. It is not a nice thing. Once again employers have power given to them by law to pay less tha the general public workers get. And we have swallowed it all through the yea...
by Accrual
Tue Jun 19, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 10339

Re: gray hair

I can usually tell when someone's hair has been dyed. Usually judge and ask "What's the purpose of hiding it?", but this could be because my hair is still brown :wink:
by Accrual
Thu Jun 14, 2018 2:46 pm
Forum: Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 8321

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Get a bigger perspective. Markets can't reliably be timed. Dow is at $25,146 today, it can conservatively be at $1,000,000 by year 2100. Stay in for the long run, don't worry about the volatility in the meantime. How? Does it not seem ridiculous that demand for a given good increases in perpetuity?...
by Accrual
Thu Jun 14, 2018 2:12 pm
Forum: Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 8321

Re: Living on Your Investments? What Happens When a Bear Market Hits?

How? Does it not seem ridiculous that demand for a given good increases in perpetuity?
by Accrual
Tue Jun 12, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 8340

Re: Boring Job

Okay everyone looking for some advice. Just graduated from college a few months back and landed my first job. At first I was really enjoying the job and excited to go to work but now I have been assigned to a task that only takes about 2 hours of actual work per day. I come from a job where I could...