Search found 1337 matches

by H-Town
Sun Jan 20, 2019 5:12 pm
Forum: Investing - Theory, News & General
Topic: The recent market move in context
Replies: 16
Views: 2218

Re: The recent market move in context

The most important decision an investor can make is the allocation between stocks and bonds. Then stay the course. This time will not be different! Not really. The most important decision is living below your means. A new investor can just put his or her money in target date fund and become multi-m...
by H-Town
Sun Jan 20, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 61
Views: 15699

Re: Why I left Wealthfront

Is this position naive? It might be. If you have the same ticker symbols in another taxable account, then you may have created cross-account wash sales that you don't know about. How is it proven that wash sale was triggered? Who does this analysis You. Under penalties of perjury, I declare that I ...
by H-Town
Fri Jan 18, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in free fall

You called the correction last time and you were right. I hope you're right again. Although I'm 100% invested, I still have many working years with a lot of savings to come. A few major crashes here and there until I'm 40 would be nice. H-Town, DanMahowny, What are you doing in taxable? Are you lea...
by H-Town
Fri Jan 18, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in free fall

Anyone still hold cash on the sideline? I am basically all cash. I hold 0% equities. This is far from over. You called the correction last time and you were right. I hope you're right again. Although I'm 100% invested, I still have many working years with a lot of savings to come. A few major crash...
by H-Town
Fri Jan 18, 2019 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: No 401K match new employer
Replies: 22
Views: 1397

Re: No 401K match new employer

For those saying pretax space is valuable / invaluable........ Is this not simply subject of opinion? Taxes change? You work with the best available information. Tax diversification is the answer to unknown tax environment in the future. You don't have to go all in one way or the other. By structur...
by H-Town
Fri Jan 18, 2019 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: No 401K match new employer
Replies: 22
Views: 1397

Re: No 401K match new employer

Hi guys, I recently switched jobs, however my new company does not have any 401K matching but does have a 401K. It seems like from everything I have read, it is a good idea to utilize this 401K regardless. Another issue is that all the options are in the 1.2-1.5 expense ratio range. Could you pleas...
by H-Town
Fri Jan 18, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 157
Views: 5640

Re: My trend following strategy and experience

Hats off to your guts to use the entire retirement savings for trend following strategy. But I believe that it could work out very well in your case. Good factors: - You have high saving rate (50% of your gross). - You are not exposed to big draw-down (similar to 2000's and 2008's) so if your retire...
by H-Town
Fri Jan 18, 2019 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 46
Views: 1550

Re: Differences in Investment Approach

Hi folks, I'm fairly new here and have noticed that the two biggest investment disagreements revolve around: 1. The amount of bonds in your portfolio relative to age/situation/etc. 2. The amount of international exposure vs total US market Are there other contentious topics that BH's tend to disagr...
by H-Town
Fri Jan 18, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in free fall

Anyone still hold cash on the sideline?
by H-Town
Wed Jan 16, 2019 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2638

Re: What are some disadvantages to TLH?

As the title says, I see a lot of pros touted for TLH, but nothing comes for free. What are some disadvantages to TLH? (Please don’t mention “wash sale rule / can’t buy same fund for 30 days”—I consider this integral to proper TLH, not a side effect of the process.) None. Zero disadvantages. Few ca...
by H-Town
Wed Jan 16, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3890

Re: Any good reason to get a smartwatch?

The older I get (I'm 35) the more I am confused by popular products. A good example is the increasing popularity of Alexa and similar devices, which companies are practically giving away because they want access to people's household conversations and habits, though the only benefit they provide th...
by H-Town
Wed Jan 16, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10157

Re: Are You Dumping Netflix?

For me its always about the percentage value and 18% is a lot. I don't care if its cents or dollar. But thats just me :) I'm glad you said that. It always amazes me when people focus on the smaller of the two ($ increase vs. % increase). It's a mind thing though. If you're going to advertise a disc...
by H-Town
Wed Jan 16, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10157

Re: Are You Dumping Netflix?

i distinctly remember our inhuman resources department telling me raises are based on the cost of labor not on inflation. this they said to justify not giving raises that year. Human Resources do what they are told to do. You bark at the wrong tree. anyway, i guess inflation in h-town was 18% last ...
by H-Town
Tue Jan 15, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA or Build HSA?
Replies: 6
Views: 544

Re: Roth IRA or Build HSA?

Hello Everyone! For 2019, I have an extra ~$60-70 each paycheck that I'm looking to invest/save better, instead of spending it :P My thoughts are either 1) starting a small Roth IRA, or 2) building up my HSA account (preferably to build for LT retirement purposes). This year I'm new to the HSA, and...
by H-Town
Tue Jan 15, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6574

Re: A co-worker makes more than me

I realized that a co-worker makes ~10% ($9.5K) more than me. We work closely together and have the same responsibilities. In the next few days, I will be having a discussion with my manager regarding annual compensation/bonus. Is it appropriate to discuss this topic with my manager? and what's the ...
by H-Town
Tue Jan 15, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10157

Re: Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fi...
by H-Town
Mon Jan 14, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9738

Re: Disciplined with finances, but not so with diet

OP: read through all the answers. Pick whatever method you want - but whatever it is - it won't success without discipline. I have a different perspective. It's a matter of habit. OP has established good habits with his or her finances. OP can do the same thing with a healthy lifestyle. Below is an...
by H-Town
Mon Jan 14, 2019 1:19 pm
Forum: Investing - Theory, News & General
Topic: Are index fund managers forced to sell stocks when incurring greater trading?
Replies: 28
Views: 1984

Re: Are index fund managers forced to sell stocks when incurring greater trading?

Does this put index funds at a major disadvantage vs. ETFs? Go look at the data. Look at the actual real-world results. The blue line is an S&P 500 index fund, the Fidelity 500 Index Fund, FXAIX. (I am deliberately not using Vanguard products, so that I don't go down any rabbit holes about Vanguard...
by H-Town
Mon Jan 14, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: U.S. economy could slip from top spot in 2020 and keep slipping
Replies: 25
Views: 1856

Re: U.S. economy could slip from top spot in 2020 and keep slipping

3) I personally invest about 75% US, 25% international, even though I also personally believe that the US' position as a superpower has probably peaked and likely entering a decline. Say the US is in decline, so what? Arguably the United Kingdom peaked just before the First World War, yet a century...
by H-Town
Mon Jan 14, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. economy could slip from top spot in 2020 and keep slipping
Replies: 25
Views: 1856

U.S. economy could slip from top spot in 2020 and keep slipping

Here is your market timing chance. Just think about how you're buying 100% U.S. stocks all the way over the cliff, and how it fits into "buy high, sell low" scenario. As they said, every great country rises and falls. -------------------- America’s days as the world’s most powerful economy are numbe...
by H-Town
Sun Jan 13, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9738

Re: Disciplined with finances, but not so with diet

Any bogleheads any diet wisdom? I've always been disciplined with saving money but can't seem to apply the same discipline to my diet. I have tried weight watchers, Jenny Craig, beach body, keto, my fitness pal...I lack discipline and get hungry. Just this week I decided to start eating the same th...
by H-Town
Sun Jan 13, 2019 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4711

Re: I know market timing is a fool's game but...

We're now in the 115th month without a recession. The record set in the 90's was 120 months. December was the worst month for equities since the Great Depression. Sounds like the Fed is worried enough to pause interest rate hikes. I tell people they shouldn't worry about timing but it's hard not to...
by H-Town
Fri Jan 11, 2019 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6740

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

Hello folks, I read an article where vanguard recommends investors to increase their international (non-US) holdings to 40% as it appears below in the Bloomberg article. https://www.bloomberg.com/news/articles/2019-01-11/vanguard-recommends-investors-increase-non-u-s-holdings-to-40 What are your th...
by H-Town
Fri Jan 11, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10209

Re: Millionaire by 40 and How you Did it?

I would also like to learn how you became a millionaire by 40 and how you did it? Was it purely large annual income, frugal habits, or both? Also, how rare is a million dollar net worth by 40? 5% of the US population or possibly under 1%? My wife and I are projected to get to the mark each by 38. W...
by H-Town
Fri Jan 11, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 7
Views: 1117

Re: Free Southwest Companion Pass for 2019

The question is that do you have any pre-planned trips with Southwest in 2019 that can utilize Companion Pass? If so, how much of monetary benefit can this Companion Pass give you? I wish that it could extend until the end of 2020. I don't want just to spend more in order to utilize this benefit for...
by H-Town
Thu Jan 10, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2321

Re: How do you manage credit card use with monthly budget

Hello everyone, I apologize if this has been asked in the past. I just signed up with Personal Capital and I am having trouble with how to analyze monthly spending using my credit cards. My wife uses one credit card and I use a different credit card from a separate account. I like the idea of havin...
by H-Town
Wed Jan 09, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: It was a dip. Did you notice? The December drop is over.
Replies: 51
Views: 6855

Re: It was a dip. Did you notice? The December drop is over.

WhiteMaxima wrote:
Wed Jan 09, 2019 1:42 pm
We are not fully recovered from last years dip yet. Can't tell the future. Nobody can tell.
Here is my prophecy: the future is bright. Take your farm and bet on it.

:mrgreen: Why else would we save for the future?
by H-Town
Wed Jan 09, 2019 1:29 pm
Forum: Investing - Theory, News & General
Topic: It was a dip. Did you notice? The December drop is over.
Replies: 51
Views: 6855

Re: It was a dip. Did you notice? The December drop is over.

That is, if you were thinking of rebalancing, you don't have to. And if you were thinking of buying low, then it is too late. And if you were waiting for the correction before you bought, then you missed out again. Good timing on PSA. As always, set automatic contributions. If you have leftover fro...
by H-Town
Tue Jan 08, 2019 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Negative 13.6% return in 401K for 2018
Replies: 55
Views: 5667

Re: Negative 13.6% return in 401K for 2018

Hello folks, I am new to Bogle heads. I am Male, 30, have around 40K in my Vanguard 401K with my employer. I do not have target retirement fund, but it is goes into a variety of mutual funds. The first 8 months of 2018 were good, but the last 4 months made me have a -13.6% return causing my assets ...
by H-Town
Tue Jan 08, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6254

Re: What do you think are (some of) the best states to live in?

what states offers as much of or as solid a mix as possible of the following: decent job opportunities/economy good education favorable climate potential for outdoor activities/scenery relatively "fair" COL those that have lived or explored living in other states in the country, what are your thoug...
by H-Town
Tue Jan 08, 2019 1:21 pm
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4594

Re: Nobody asked me but

7.) 2018 has rewarded active management beautifully. 2017 was the opposite. Seems appropriate to manage one's wealth in a way to benefit from both regimes, at a low cost and minimizing taxes obviously. Do you have a few examples to back this up? The common sense indicates that in 2018 all equity fu...
by H-Town
Mon Jan 07, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: Reasons to own Vanguard ETFs over Admiral shares?
Replies: 66
Views: 4500

Re: Reasons to own Vanguard ETFs over Admiral shares?

While generally true, the below does not apply to Vanguard funds. Vanguard mutual funds/corresponding ETFs are share classes, meaning that the ETF increases the tax efficiency of the mutual fund share class. To my knowledge, ETF's have a tax-based advantage over Mutual Funds. "The sale of securitie...
by H-Town
Mon Jan 07, 2019 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting
Replies: 15
Views: 1335

Re: Tax Loss Harvesting

It happened. Nothing you can do now. Just move on. Next time, triple check thing before hitting the Submit button.
by H-Town
Fri Jan 04, 2019 5:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in free fall

manuvns wrote:
Fri Jan 04, 2019 4:27 pm
Just in nick of time :

Citi Says ‘Buy This Dip’ and Sees Equities Returning 14% in 2019
https://www.bloomberg.com/news/articles ... 14-in-2019
It results in "panic buying" as they say. Fear of Losing Out starts creeping in for some folks.
by H-Town
Fri Jan 04, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Botched 401(k) Contributions
Replies: 23
Views: 1679

Re: Botched 401(k) Contributions

My wife's employer botched her 401(k) contributions for 2018. In January, we set it up to defer $24,500 of her salary ($18,500 plus a $6,000 catch-up contribution), spread across 26 pay periods. This worked fine until October, when she hit $18,500 and their payroll system mysteriously stopped makin...
by H-Town
Thu Jan 03, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in free fall

kaeltor wrote:
Thu Jan 03, 2019 5:09 pm
With the way the market is behaving and earnings projections looking dim, is it justifiable to even max out a roth IRA ?
What happened to being greedy when others are afraid?
by H-Town
Thu Jan 03, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in free fall

https://www.marketwatch.com/story/heres ... 3?mod=bnbh

If Warren Buffet lost $4 billion on Apple stocks, whatever we have lost so far since 2018 seems minimal in comparison.
by H-Town
Wed Jan 02, 2019 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: CPA suggesting I don't contribute max to 401k this year?
Replies: 38
Views: 5268

Re: CPA suggesting I don't contribute max to 401k this year?

Is your business a partnership? I think your CPA is referring to QBI deduction.

Ask your CPA to run tax projections to compare different scenarios.
by H-Town
Wed Jan 02, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does this car repair quote seem reasonable???
Replies: 19
Views: 1345

Re: Does this car repair quote seem reasonable???

I know this is a shot in the dark and that this isn't a car blog per se, but I consistently receive good advice on this site, and I figure many of you probably know about cars (I know very little about cars). So, I took my car into the shop today (2009 Chevrolet Malibu with 60,000 miles on it) beca...
by H-Town
Wed Jan 02, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: Any reason for optimism?
Replies: 81
Views: 3062

Re: Any reason for optimism?

Bought cheaper shares in my taxable 12/31, just maxed out my Roth IRA as well ... long term outlook 10+ years, not panicking just wondering if there’s any reason for optimism in 2019? I may actually tax loss harvest in 2019 for the first time of things don’t change. Sure seems like a whole lot of n...
by H-Town
Fri Dec 28, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2368

Re: Why do people buy- performance cars?

Why do people buy performance cars? Because I like it and I can afford it. As my dad said, you can only go the speed limit. Your dad will be surprised if he ever gets to I-95 up and down Miami area. I've seen people doing 20 mph over 70. With the police car around, I've seen people reel it in to ab...
by H-Town
Mon Dec 10, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in freefall

To the folks who are in accumulation phase: this is your chance to accelerate your progress towards financial independence! Buy, Buy, Buy like there is no tomorrow. I will be buying as I always do, but absent a windfall, I can't buy all that much more than I already am. Anything beyond expenses goe...
by H-Town
Mon Dec 10, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in freefall

To the folks who are in accumulation phase: this is your chance to accelerate your progress towards financial independence! Buy, Buy, Buy like there is no tomorrow.
by H-Town
Mon Dec 10, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Rental car totalled - amex insurance issue
Replies: 19
Views: 3306

Re: Rental car totalled - amex insurance issue

My rental car got stuck in a flooded road and was totaled. I rent on American Express card and pay for amex premium coverage as primary and assumed it will all be taken care of. After a couple of months I heard from the car rental company that amex is paying for approx 90% of the net ACV ( actual c...
by H-Town
Sun Dec 09, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest help needed
Replies: 3
Views: 308

Re: Tax loss harvest help needed

You can TLH IXUS into a combination of VEA and VWO.
by H-Town
Sat Dec 08, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Very Confused - Group 401K Profit Sharing Plan
Replies: 15
Views: 922

Re: Very Confused - Group 401K Profit Sharing Plan

Does your firm have a separate 401(k) plan? Not the 401(k) Profit Sharing Plan. Those two are different things. Your 401(k) contribution will not go to Profit Sharing plan. The Profit Sharing plan is employer's contribution (sorta like matching). Your own contribution should not go back to the 401(...
by H-Town
Sat Dec 08, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Very Confused - Group 401K Profit Sharing Plan
Replies: 15
Views: 922

Re: Very Confused - Group 401K Profit Sharing Plan

I wholeheartedly believe one should not invest in what one does not understand and boy do I not understand this 401K. The Summary Plan Description packet is 32 pages long and is titled "XXXXXXX 401(k) Profit Sharing Plan." This plan eliminated any matching and also does not do any profit sharing to...
by H-Town
Sat Dec 08, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786924

Re: U.S. stocks in freefall

"No one should assume that the future performance of any specific investment, investment strategy or product will be profitable or provide any particular investment return. All investing involves the risk of loss, including the loss of principal." You're missing one tiny part: "All investing has an...
by H-Town
Fri Dec 07, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 6034

Re: Wanting to buy on the dip today didn't workout

This morning I attempted to contact Vanguard and make a transaction that would hopefully capture the dip. I have a taxable account that I was going to tap in order to fill the 4k remaining balance in my Roth. The person my wife spoke with actually told her that if we sold our position in the taxabl...