Search found 2823 matches

by H-Town
Fri Sep 18, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

Waiting for Forester to chime in. [somber, funereal music in the background] Meanwhile...Forester, at his computer, in a basement room filled with mainframe computers and buzzing disk drives, maniacally typing in figures and numbers while his mom yells at him from upstairs about what he wants for d...
by H-Town
Fri Sep 11, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

Yes, that all seems very inconsistent with your post. Why is it inconsistent? Why is it that an observation of the market would manifest my investment philosophy? I've been investing long enough to see ups and downs. I've been staying the course even since. I see rough water ahead, but it doesn't m...
by H-Town
Fri Sep 11, 2020 10:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

You asked the wrong question. It's not about "why". It's all about... "It's happening". I'm staying the course. We all should stay the course. Automatic investment in both tax advantage and taxable accounts. Set price alert for TLH. Sit back, relax, and enjoy the ride. Why should we stay the course...
by H-Town
Fri Sep 11, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

Why is it going to get worse? You asked the wrong question. It's not about "why". It's all about... "It's happening". I'm staying the course. We all should stay the course. Automatic investment in both tax advantage and taxable accounts. Set price alert for TLH. Sit back, relax, and enjoy the ride....
by H-Town
Thu Sep 10, 2020 11:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

Not a a fan of the last two days. But I expected a pull back way before now. It's feels like we had two pull backs combined for this one. And all of the great economic news didn't help the long end of the bond market either. It gonna get worse. Way worse. Way way worse. :beer that free fall thread ...
by H-Town
Thu Sep 10, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

Not a a fan of the last two days. But I expected a pull back way before now. It's feels like we had two pull backs combined for this one. And all of the great economic news didn't help the long end of the bond market either. It gonna get worse. Way worse. Way way worse. :beer that free fall thread ...
by H-Town
Tue Sep 08, 2020 10:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

Not a a fan of the last two days. But I expected a pull back way before now. It's feels like we had two pull backs combined for this one. And all of the great economic news didn't help the long end of the bond market either. It gonna get worse. Way worse. Way way worse. :beer that free fall thread ...
by H-Town
Thu Sep 03, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

Stef wrote: Thu Sep 03, 2020 10:30 am The hell? What's happening?
Stocks on its way to slash 60%. Buckle up.
by H-Town
Thu Sep 03, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

willthrill81 wrote: Thu Sep 03, 2020 9:20 am Stocks are plunging!! It's the end of the world!! They're back where they were Tuesday!!! :mrgreen:
Stocks could backpedal back to low March. :mrgreen: Sit back and enjoy.
by H-Town
Thu Sep 03, 2020 9:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

Party's over. Time to cash out. :moneybag :mrgreen: :mrgreen: :twisted:
by H-Town
Wed Sep 02, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

this is just bad news... market going up means those of us accumulating are buying at high prices and the big crash is just delayed. Does anyone really believe the current market level is actually legit? Does it matter? If you just keep saving and buying stocks, it doesn't matter when the big crash...
by H-Town
Wed Sep 02, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20057
Views: 2743755

Re: U.S. stocks in free fall

Forester wrote: Wed Sep 02, 2020 10:00 am The S&P 500 has turned into a "junk stock" index; US stocks will
be soaring, just not US stocks like Tesla which are better at selling tax credits & stock, than selling cars.
In the voice of the Big Lebowski: "That's just like... your opinion, man."
by H-Town
Wed Sep 02, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 6926

Re: Cardio alternatives to treadmills?

If you're having back problems, you might consider adding some strength training to your cardio - specifically, squats, deadlifts, and other posterior chain exercises. Start at low weight (or body-weight only), and gradually build up strength to help your back. ^ This. OP: Resistance training is th...
by H-Town
Tue Sep 01, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

lostdog wrote: Tue Sep 01, 2020 9:39 am
atdharris wrote: Tue Sep 01, 2020 9:15 am I believe we really are in a tech revolution. The pandemic has just sped up the process.
Let's party like it's 1999...
If I had a time machine going back to 1999, I would sell at the top :mrgreen: :moneybag :moneybag :moneybag

Are tech stocks current valuation make sense to any of you?
by H-Town
Tue Sep 01, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: Have any BHs reduced spending to retire sooner?
Replies: 34
Views: 1482

Re: Have any BHs reduced spending to retire sooner?

I've been modeling a retirement age of between 53 and 55 for nearly fifteen years now. What I mean is, my models and portfolio have consistently pointed to this age range since I was 32, am 47 now. Interestingly, it has not really changed as our expenses increased...because our salary has increased...
by H-Town
Sat Aug 29, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Chase closed my accounts and banned me and I don’t know why
Replies: 48
Views: 7529

Re: Chase closed my accounts and banned me and I don’t know why

.. purpose of opening multiple bank accounts? I think OP already wrote that reason was taking advantage of bank promos. We (family) opened more than dozen bank accounts last 12 months, including the $600 (300+300+100) Chase bonus for Savings and Checking, parked funds for 3 months, moved everything...
by H-Town
Fri Aug 28, 2020 12:14 pm
Forum: Personal Investments
Topic: tempted to market time (elections)
Replies: 11
Views: 775

Re: tempted to market time (elections)

mooudn wrote: Fri Aug 28, 2020 12:03 pm with biden leading, should I sell my position in October and wait for a crash post election to buy in again?
How much in play here? How much you want to win? Or put it in other words, how much you want to avoid losing?

It sounds like a weekend trip to Vegas has more fun.
by H-Town
Fri Aug 28, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Can we talk about the future of oil?
Replies: 72
Views: 4762

Re: Can we talk about the future of oil?

I once was a big believer in peak oil. Not that long ago iran attacked Saudi Arabia and knocked out a material amount of their production. A while back that would have been a huge event. I made sure to get to the gas pump and fill up. I was sure their would be a big reaction. Instead the price of g...
by H-Town
Fri Aug 28, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Can we talk about the future of oil?
Replies: 72
Views: 4762

Re: Can we talk about the future of oil?

Met a friend tonight for drinks and we were discussing oil stocks, Where it was, Where it is, and where it's going. What are your thoughts? Oil will be in demand and current technology of renewable energy can't come close to take a big market share. We will come to singularity, where there's a good...
by H-Town
Mon Aug 24, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Quit corporate job @ age 34 with $1.3M?
Replies: 225
Views: 21817

Re: Quit corporate job @ age 34 with $1.3M?

There are a number of personal factors that have me wanting to quit my corporate job in the next 3-5 years. I have had an over 10+ year career in technology, and work at a well respected fortune 500 company. I started a side hustle and it’s going really well, but it could go even better if I spent ...
by H-Town
Fri Aug 21, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15683

Re: Are emergency funds for suckers?

@Ivygirl: Let me give you a real life example. I have 80k cash in saving accounts. When I had to replace the A/C which cost $10k, I didn't have to touch the cash reserve. I took the offer of no interest 24 month financing. I used monthly cash surplus to pay it off in 2 months. Another time when sto...
by H-Town
Fri Aug 21, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15683

Re: Are emergency funds for suckers?

No, the statement I disagreed with was "Money is fungible." Precious stones are not money, and thus not relevant. If "a pre-tax dollar is rarely equivalent to a post-tax dollar," then I think you agree with me: money is not always fungible, and buckets are not mere "mental" accounting, they are act...
by H-Town
Thu Aug 20, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15683

Re: Are emergency funds for suckers?

It's great that you do a sanity check on emergency funds. Everyone's situation is different. You can't have a blanket emergency fund for everyone. So there is no simple answer that works for everyone. However be careful to venture into mental accounting. Money is fungible. You should analyze your a...
by H-Town
Thu Aug 20, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15683

Re: Are emergency funds for suckers?

It's great that you do a sanity check on emergency funds. Everyone's situation is different. You can't have a blanket emergency fund for everyone. So there is no simple answer that works for everyone. However be careful to venture into mental accounting. Money is fungible. You should analyze your as...
by H-Town
Wed Aug 19, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6105

Re: Thinking of moving Seattle or Vancouver, WA

2pedals wrote: Mon Aug 17, 2020 11:11 pm Image

Don't come to the PNW, it rains almost everyday. :wink:
I love Deception Pass.
by H-Town
Wed Aug 19, 2020 3:15 pm
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 7875

Re: Talk me out of Covid 19 timing

Talk me out of taking all my tax deferred equities and moving them into bonds soon to avoid what I see as a very likely big spike in coronavirus this fall and severe economic hit. If I am 65/35 now and moving my tax deferred equities into bonds would change my balance to about 40/60. Early 50’s wit...
by H-Town
Tue Aug 18, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15714

Re: Should I purchase a whole house generator?

We love power at our house around 5 times per year. It's annoying. If it happens in the early morning, I oversleep and don't get to work on time. Sometimes the power is out for 12 hours and then things start to go bad in the fridges. We're not sure why power is not more reliable (we are in a suburb...
by H-Town
Tue Aug 18, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

TheTimeLord wrote: Tue Aug 18, 2020 10:38 am From a tax perspective in a taxable account I guess they can matter, but IMHO looking at your positions in that way is likely to decrease your gains over time.
I'm really curious on what you meant by this. Can you please elaborate?
by H-Town
Tue Aug 18, 2020 11:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

...This is how I think of it. Let's say I buy a thousand shares of VOO today $310.92 with the plan to sell them in forty years. Why should I care about the daily price in the intervening years? What does the daily price tell me? Well, of course it tells me the price I could sell the shares at; sinc...
by H-Town
Mon Aug 17, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6105

Re: Thinking of moving Seattle or Vancouver, WA

Hi Bogleheads, I am thinking of moving to the Pacific Northwest. I am currently living in South Florida, but after years of snorkeling and the beach I have become a regular visitor to the dermatologist. Age early 70's, retired, like hiking and bicycling. I have one more move in me. Where I settle w...
by H-Town
Mon Aug 17, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: If bond/bank/cd rates go full negative, should you just go buy a bunch of stuff?
Replies: 22
Views: 2033

Re: If bond/bank/cd rates go full negative, should you just go buy a bunch of stuff?

If you are essentially losing money in nominal terms from negative interest rates (let's say even on bank deposits), would it make more sense to just start consuming and increasing consumption of things vs losing money in a bank account/bond fund? (which is kind of the point of a negative interest ...
by H-Town
Sat Aug 15, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Risk with paying someone with a personal check
Replies: 76
Views: 5135

Re: Risk with paying someone with a personal check

It is well recognized that the bank routing and account numbers are confidential information. Apparently a lot of damage may be done by someone who is in possession of the information. How should I pay someone (not a business accepting credit cards) a large sum of money safely? If I have to give th...
by H-Town
Thu Aug 13, 2020 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: My kid scratched my neighbor's new car
Replies: 115
Views: 7254

Re: My kid scratched my neighbor's new car

Hello, Really would appreciate Boglehead feedback here. My 7 yr old kid was riding his bike and hit my neighbors car. The scratch seemed relatively minor but this is a brand new SUV (took delivery of it a day ago!). It looks like the estimate from the dealer's collision agent and it comes out to $2...
by H-Town
Wed Aug 12, 2020 3:21 pm
Forum: Personal Investments
Topic: Assets going from 600K->15M, should I change my asset allocation?
Replies: 175
Views: 17380

Re: Assets going from 600K->15M, should I change my asset allocation?

With this sudden windfall, I have a few questions: - What asset allocation would you recommend? Is 90% equity now too high? - Should I use mutual funds instead of ETFs to get rebalancing and auto-investing? - Should I be considering more complex investment vehicles? - My partner keeps bugging me ab...
by H-Town
Wed Aug 12, 2020 3:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

Stinky wrote: Wed Aug 12, 2020 3:00 pm
Triple digit golfer wrote: Wed Aug 12, 2020 2:38 pm I'm voting for melt-even. It'll end between 3,375-3,385.
Winner winner chicken dinner!

All time closing high tomorrow. You heard it here first.
Where is that guy/gal Forester? He assured us that stock will never see this high again. Ever.
by H-Town
Tue Aug 11, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

RayKeynes wrote: Tue Aug 11, 2020 2:49 pm Reason For the sudden Drop? Just curious.
Somewhere some monkeys throw bananas at the wall. The stock markets just follow those monkeys blindly.
by H-Town
Tue Aug 11, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

jason2459 wrote: Tue Aug 11, 2020 11:07 am Small cap and ex-US doing great today.
Louder for the ones in the back :D :sharebeer
by H-Town
Mon Aug 10, 2020 6:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

At close, VTI is up over 5% YTD and within .16% of its record. What "crisis?" :confused 8-) It's just math. Big year in 2017, followed by a down year 2018. Big year 2019, followed by a down year 2020. 2020 = down year? :confused Apparently not for VTI..... 8-) Comparing to 2019's standards :mrgreen...
by H-Town
Mon Aug 10, 2020 4:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

Closing minutes.... *riding horse named VTI*. “Heeya! Heeya! Melt up! Melt up!” ... who would have thought buy and hold investing could be so exciting! At close, VTI is up over 5% YTD and within .16% of its record. What "crisis?" :confused 8-) I'm afraid that we've just sacrificed good returns from...
by H-Town
Mon Aug 10, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: Why not Vanguard U.S. Growth Fund?
Replies: 41
Views: 4403

Re: Why not Vanguard U.S. Growth Fund?

The ageless debate (second to US v. International) of Growth v. Value. Styles flow in and out of favor. At least we know international never flows in favor. USA, USA!!! Is it though? Check out the Callan tables for 2000-2019. You can also pull the Callan tables for the older years as well. https://...
by H-Town
Wed Aug 05, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

‘Clueless’ investors just keep driving this ‘stupidly bullish’ stock market higher, CNBC’s Jim Cramer says https://www.marketwatch.com/story/clueless-investors-just-keep-driving-this-stupidly-bullish-stock-market-higher-cnbcs-jim-cramer-says-2020-08-05?mod=home-page Somebody is big mad. According to...
by H-Town
Wed Aug 05, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Average gas mileage- how accurate?
Replies: 35
Views: 1747

Re: Average gas mileage- how accurate?

So this is my second car with an average gas mileage indication. Now it shows 3 significant figures. I don't believe the third one and I'm not even sure about the second. This forum is full of people who keep spreadsheets on everything. Anyone willing to compare your measurement with the indicated ...
by H-Town
Wed Aug 05, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for CC cash back in personal budget
Replies: 41
Views: 2223

Re: Accounting for CC cash back in personal budget

Now that Chase has rolled out "Pay Yourself Back" it is much more tempting to redeem Ultimate Rewards points on my CSR card for cash because the redemption value (50% bonus) is the same as booking travel through the travel portal. I foresee myself doing quite a bit of this for the duration of the p...
by H-Town
Wed Aug 05, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8817
Views: 696874

Re: U.S. stocks continue to soar!

atdharris wrote: Wed Aug 05, 2020 9:47 am I guess there is no stopping this train back to all-time highs
When this train hit a 30 degree turn going 40 mph or faster, it's gonna be a ... train wreck.
by H-Town
Wed Aug 05, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21416

Re: Anyone else hoarding cash right now?

I stopped investing in my taxable back in March and can't bring myself to start again. I'm still investing automatically in my 401k. I'm just holding onto my cash in case of a worst case scenario if society collapses and I need liquid funds. I don't mean the case where you'd have to live in a bunke...
by H-Town
Wed Aug 05, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21416

Re: Anyone else hoarding cash right now?

I stopped investing in my taxable back in March and can't bring myself to start again. I'm still investing automatically in my 401k. I'm just holding onto my cash in case of a worst case scenario if society collapses and I need liquid funds. I don't mean the case where you'd have to live in a bunke...
by H-Town
Tue Aug 04, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 175
Views: 15232

Re: What happens if you run out of money in retirement?

Hello. This is a rather simple question (maybe even a silly one?), but I've always wondered about it. Let's say you're 85yo and you simply drained your retirement accounts dry and SS isn't enough to live on. What would you do? Move in with a son/daughter (if possible), get a job, something else? I'...
by H-Town
Mon Aug 03, 2020 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22752

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

While I agree with the math, obsessively focussing on this issue throughout one’s working life might tend to prevent someone from a balanced lifestyle. That is “over saving” and overly deferring enjoyment to retirement. Sometimes we forget there is more to life than saving for retirement. Balance i...
by H-Town
Mon Aug 03, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22752

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

While I agree with the math, obsessively focussing on this issue throughout one’s working life might tend to prevent someone from a balanced lifestyle. That is “over saving” and overly deferring enjoyment to retirement. Sometimes we forget there is more to life than saving for retirement. Balance i...
by H-Town
Mon Aug 03, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: A Simple Baseball Question, Maybe
Replies: 31
Views: 2572

Re: A Simple Baseball Question, Maybe

rk6 wrote: Mon Aug 03, 2020 10:45 am They can also probably predict more than 50% of the time what the next pitch will be...
I think we can do it to a certain extent. On a 3-1 count, it's likely that the next pitch is a fastball in the zone. On a 0-2 count, it's likely to be a slider outside the zone to get the batter to chase.