Search found 71 matches

by Accrual
Fri Jul 27, 2018 12:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: RIP investor
Replies: 22
Views: 4054

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: 5798

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: 4363

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: 4363

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: Investing - Help with Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 65
Views: 5808

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: 3679

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: 8598

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: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7700

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: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7700

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: 7462

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...
by Accrual
Mon Jun 11, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 210198

Re: Share your net worth progression

Am I the only one who thinks these threads are pretty useless, and are their own warped version of comparing yourself to others and keeping up with the Jones's? Even if people's year/year increases far outweigh mine, I still find this thread very motivating (as someone in their late 20s). I can see...
by Accrual
Tue May 29, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4206

Re: Do you have a monthly household budget?

Yes. YNAB - You Need A Budget
by Accrual
Thu May 24, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 5191

Re: I've never budgeted sucessfully

I see several “pay yourself first suggestions”. That’s certainly not wrong, but the downside I see is you don’t know exactly how you’re spending your other dollars. I’ve been able to optimize that spending to the things that bring me the greatest happiness and away from trivial items by understandi...
by Accrual
Wed May 23, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Three steps forward, two back with saving
Replies: 26
Views: 3479

Re: Three steps forward, two back with saving

I suggest using YNAB (You Need a Budget), a budgeting app. You are able to create money "buckets" within the app, so there is no need to create additional savings accounts. I have used this app for the past two years and have had great success. They offer a free trial if you want to try it out for a...
by Accrual
Sun May 20, 2018 9:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 477
Views: 46364

Re: Post your Financial Milestone Announcements Here

With Friday's paycheck I crossed over $100k. $70k in retirement accounts and $30k in savings (emergency fund + house down payment). Age 27.

I am very grateful for finding this website. Thanks to all who post :sharebeer
by Accrual
Fri May 18, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 4477

Re: Surgeon salary vs owning a business salary/profit?

My advice is to actually start down a path and then stick with it to its conclusion. After reading some of your other threads, you come off sounding wishy washy. Perhaps this isn't the case, but that's the vibe you're projecting. I agree. Most folks who make the type of money OP is referring to are...
by Accrual
Tue May 15, 2018 9:47 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10952

Re: Yes, I'm 89 all right!

Thank you, Jack!
by Accrual
Mon Apr 02, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6743
Views: 1465670

Re: U.S. stocks in freefall

While a 10% drop in the markets is called a correction.... It isn't a real correction until the CASH IS KING and BUY GOLD crowd start coming out of the woodwork! I think we are here folks. It will also be a noteworthy period when the "What are you up YTD?" and "FIRE" crowd starts to chatter with ne...
by Accrual
Mon Apr 02, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 6062

Re: $20,000 book - what to do with it

Personally, for that amount, I would not sell it. Depends on how much you need the money, though. I have a book that is worth somewhere between $3k-$5k that was gifted to me. The nature of the book itself and the fact is was a gift from my family makes it that much more special to me. That sentiment...
by Accrual
Mon Apr 02, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Sad because I did not know what I was doing with inheritance
Replies: 34
Views: 7447

Re: Sad because I did not know what I was doing with inheritance

Your sadness is proof that you have learned something. This is a good thing. Next is to learn how to move on. :beer
by Accrual
Thu Feb 15, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2595

Re: How Inflation Works (NYT)

Thanks for linking the article.

It made me think of my Econ 101 professor and his attitude that inflation, when controlled through fiscal/monetary policy, is good. The real worry is deflation.
by Accrual
Mon Feb 05, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6743
Views: 1465670

Re: U.S. stocks in freefall

A lot of doubt circling this board. Somewhat troubling.
by Accrual
Tue Jan 30, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 5135

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

I use the web based, subscription version of YNAB. I have the old version (YNAB 4), but enjoy being able to update on any computer that is connected to the internet. I do not use bank imports as I feel it is important to manually input outflows/inflows. I would highly recommend.
by Accrual
Tue Jan 23, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 5207

Re: 50/50 AA recommended by Benjamin Graham

If you adjust for the gigantic pile of cash that a lot of people keep for down payments, cars, and "emergency funds" plus whatever they formerly call fixed income then a lot of people have conservative portfolios. Some young people don't even have 50% stock. This is very true. About to turn 27 and ...
by Accrual
Thu Jan 18, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA asset allocation
Replies: 6
Views: 726

Re: Roth IRA asset allocation

I assume you'll eventually have other tax-advantaged vehicles and perhaps non tax-advantaged? If so, put your more risky investments in the Roth - risk and reward are related, so you want the highest reward in your portfolio to be tax free.
by Accrual
Thu Dec 21, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Speculation
Replies: 16
Views: 1619

Re: Speculation

"Never invest in a business you cannot understand." - Buffet "I will say this about gold. If you took all the gold in the world, it would roughly make a cube 67 feet on a side ... Now for that same cube of gold, it would be worth at today's market prices about $7 trillion — that's probably about a ...
by Accrual
Tue Dec 19, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 35775

Re: Ally Bank 11 month No Penalty 1.75%

I currently have my emergency fund and house down-payment fund in a single Ally savings account; would you guys recommend putting this into the no penalty CD? Personally, I cannot see a downside.
by Accrual
Wed Nov 22, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 9995

Re: Interesting ride so far - Crypto-curriencies

jadd806 wrote:
Wed Nov 22, 2017 10:06 am
Malinois000 wrote:
Wed Nov 22, 2017 9:11 am
livesoft wrote:
Wed Nov 22, 2017 8:48 am
Sell! Sell! Sell!
No sir! There is a lot more money to be made!
Why ask for others' input if you've already made a decision?
I agree. What is the purpose of this post?
by Accrual
Wed Oct 18, 2017 7:40 am
Forum: Investing - Theory, News & General
Topic: 2017 on pace as least volatile year on record
Replies: 5
Views: 1093

Re: 2017 on pace as least volatile year on record

I worry that earnings have been driven by increasing consumer debt. Are we really increasing wealth?
by Accrual
Fri Oct 13, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 21199

Re: What's your asset allocation and why?

70/30 - 26 years old. Why? My AA has not been tested as I have only been investing for a few years. I did not want to go too risky or too conservative. May reassess at a later date. As a CPA and naturally risk averse, I like the idea of 60/40. Yes, my investment horizon is long, but I am not thoroug...
by Accrual
Fri Oct 13, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 9494

Re: How many miles/years do you keep your car?

Bought my car last year. 28k already. I drive a lot!
by Accrual
Mon Sep 11, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 2998

Re: Feeling guilty for buying a new iPad pro

I sometimes feel this way.

Just bought a ~$1300 bicycle this past weekend and felt regret until I thought about the benefits to my health and well being. Life is a balance.
by Accrual
Wed Aug 30, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: where to put Tesla stock [Roth or another type of account]
Replies: 26
Views: 1452

Re: where to put Tesla stock [Roth or another type of account]

selters wrote:
Wed Aug 30, 2017 12:20 pm
Am I wrong to think that as long as Tesla is a growth company that doesn't pay any dividends, you might as well put it in a taxable account and use your tax deferred space for more tax inefficient equities?

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Accrual
Fri Aug 18, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 19686

Re: Jobs that pay over $100,000

Study accounting in undergrad + CPA.
by Accrual
Fri Aug 18, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 6015

Re: Powerball - $510 million?

Normally do not play but will most likely pick up a ticket for Saturday's drawing. My father was in an office pool a few years back that won $$$ by getting 5/6 numbers correct. One woman who normally contributed to the pool did not contribute that week. :oops: Fortunately for her, the group was unde...
by Accrual
Wed Aug 16, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Victor Mcclure, Financial Advisor in the Dallas Area
Replies: 6
Views: 1146

Re: Victor Mcclure, Financial Advisor in the Dallas Area

Finance-MD wrote:
Tue Aug 15, 2017 10:56 pm
Any relation to Troy McClure?
https://en.m.wikipedia.org/wiki/Troy_McClure
HAHA! Thought the same thing.
by Accrual
Tue Aug 15, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 138
Views: 14870

Re: Bitcoin

Buying Bitcoin for the sole purpose of expecting appreciation is undoubtedly speculation.

I am happy for those who took the risk and purchased Bitcoin as it has paid off immensely.

I do not lose sleep at night because I did not/will not jump on the Bitcoin train.
by Accrual
Thu Aug 10, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6743
Views: 1465670

Re: U.S. stocks in freefall

I'm 26. Will ride this out and buy more for cheap :) 26 as well. While I get your sentiment, I am cannot help but think this way of thinking is misguided. Cheap relative to what? To market open? To your risk tolerance? I am sure our time will come when these beliefs will be put to the test and such...
by Accrual
Fri Jul 14, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Is $1220/year Auto Insurance for 26y/o cheap?
Replies: 14
Views: 2140

Re: Is $1220/year Auto Insurance for 26y/o cheap?

My details below:

Age: 26
Car: Mazda 3 - bought new
Yearly Insurance - ~$915
by Accrual
Tue Jul 11, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 540211

Re: What's Your Credit Card Rewards Strategy?

DW just got an offer from United (MileagePlus Explorer card). 70,000 miles when spending $3,000 in first three months + 5,000 additional miles when adding an authorized user. While she had taken advantage of a bonus offer on this card before (3-4 years ago), we long ago cancelled that card (before ...
by Accrual
Sun Jul 09, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 36012

Re: Capital One 360 $200 bonus

Funded my account on June 21st and still no bonus has been applied. May wait till 21 days (based off other's posts) until contacting their customer service. How lucky some of you guys were to have the bonus applied within a few days! My wife's was done just before the 6/30 cut-off and I haven't got...
by Accrual
Fri Jul 07, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 36012

Re: Capital One 360 $200 bonus

Funded my account on June 21st and still no bonus has been applied. May wait till 21 days (based off other's posts) until contacting their customer service. How lucky some of you guys were to have the bonus applied within a few days! My wife's was done just before the 6/30 cut-off and I haven't got...
by Accrual
Wed Jul 05, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 36012

Re: Capital One 360 $200 bonus

Funded my account on June 21st and still no bonus has been applied. May wait till 21 days (based off other's posts) until contacting their customer service. How lucky some of you guys were to have the bonus applied within a few days!
by Accrual
Tue Jun 20, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 36012

Re: Capital One 360 $200 bonus

Guys - do you think I still take advantage of the $200 bonus offer? I was not targeted for this promotion. I have been monitoring this thread for awhile and it seems as if people were getting their bonus more quickly earlier on in the promotion as compared to now. Can anyone attest? EDIT: Went ahead...
by Accrual
Tue Jun 20, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 35775

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Crisium wrote:Respectfully, title does not say it all.

$25,000 minimum.
Thank you for the clarification.
by Accrual
Thu Jun 08, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 113
Views: 13508

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

Comparison is the thief of joy.

Don't sweat it - could have easily gone the other way.
by Accrual
Mon May 22, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3166
Views: 966169

Re: What Book Are You Currently Reading? Part VI

Going to finish up Stephen King's "IT" in the next week or so. Will begin reading "The Defining Decade" shortly afterwards.
by Accrual
Fri May 19, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 9966

Re: Milestone and not peeking. . .

This is great news! Congrats :beer
by Accrual
Wed May 17, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 8444

Re: Convince me to get back into stocks!

Reddit didn't give you the answer you were looking for? :wink: