Search found 1258 matches

by H-Town
Tue Nov 13, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 77
Views: 9246

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Hi everyone, With all the swings up and down recently I am finding that it's too much volatility for me. My portfolio has gone down by $12000 over the past few days. I know people on here say it's a blip on the radar, but when I think about what I have to go through to earn $12k ($12k = two months ...
by H-Town
Mon Nov 12, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 132
Views: 15796

Re: [Financial] Habits of the Rich

Many people on this forum are very successful financially. Many of you are probably very disciplined. What are your habits that elevate your success? Do you read, take classes, have a mentor? Do you have a daily routine or habit that sets you apart? I would love to hear what habits you use to devel...
by H-Town
Mon Nov 12, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

I'm willing the market to get down even more. 40-60% drop would be nice. I'll take 10% drop for now and look forward to more drops to come. If you enjoy watching your portfolio drop, hopefully you are invested internationally as well. Yes of course. 35%. I'm a very happy buyer with my new money in ...
by H-Town
Mon Nov 12, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

There are too many investors in the market now who haven't experienced a true bear. I was speaking to one of them a couple of weeks ago who complained because his returns for the past year were less than 2%. He has no idea. Tell me about it. Those will be the driving force for a bear market. When i...
by H-Town
Mon Nov 12, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

yousha wrote:
Mon Nov 12, 2018 1:44 pm
TimeRunner wrote:
Mon Nov 12, 2018 1:42 pm
yousha wrote:
Mon Nov 12, 2018 1:36 pm
What a bummer!
What an opportunity! :mrgreen:
Let's not make light of this downturn!
I'm willing the market to get down even more. 40-60% drop would be nice. I'll take 10% drop for now and look forward to more drops to come.
by H-Town
Fri Nov 09, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 354
Views: 38818

Re: U.S. stocks continue to soar!

No one here?

U.S. stocks in free fall thread will welcome ya'll back with open arms.
by H-Town
Wed Nov 07, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 354
Views: 38818

Re: U.S. stocks continue to soar!

"The higher it rises, the harder it crashes."
-Your party pooper
by H-Town
Wed Nov 07, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11629

Re: If expenses are low, are some of us over saving?

The thread on Baby Boomer savings brought this to mind. For a higher earning couple, assuming they’re debt free and have a paid off home at retirement, why not aim to have expenses be at/below the expected Social Security benefit? Assuming that’s ~$3k to cover property taxes, healthcare, food, tran...
by H-Town
Wed Nov 07, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8051

Re: 1/3 of Baby Boomers have no retirement savings...

In other words, sock it away early and on a consistent basis even if you think the amount is small in the first decade or two of your working career. Nobody wants to end up like a third of the Baby Boomers have ended up as they approach retirement. :sharebeer I think you can chalk it up to a bad de...
by H-Town
Tue Nov 06, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1811

Re: Buying a used car

Let me start by saying- I hate cars- just have never been a car guy. Then don't drive one. Do what you gotta to do so that you don't have to drive a car. I am interested in buying a pre-owned import SUV- Lexus, Acura, Nissan. etc. Why those brands specifically? Is it from heresay or from your exper...
by H-Town
Mon Nov 05, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7330

Re: Do people calculate savings rate on gross income?

In the FIRE thread I saw some people quoting numbers on savings rates and how it's impossible to save 75% if you pay 25% in tax. Is this the general way people express their savings rate? In terms of gross income? I've always assumed people were talking about net income. My savings rate just droppe...
by H-Town
Mon Nov 05, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for something 20 years from now
Replies: 24
Views: 3204

Re: Saving for something 20 years from now

Hey guys! I'm planning to put 800 monthly contributions to save for a payment about 20 years from now. At first I heard that putting monthly contributions in a Vanguard target date fund 2040 taxable account would be a good idea. However after some reading around this seems very tax inefficient due ...
by H-Town
Mon Oct 29, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

I've only been a member of the BH forum for a couple of years, but I'm not sure I've ever seen so many people this antsy. Because easily over 50% dont follow the theory or philosophy of Bogle. Notice how many people are buying ,,, why do they have all this extra cash sitting around? By cutting down...
by H-Town
Wed Oct 24, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

My wife asked me what happened to the market and why her account balance was missing a big chunk of money. To which I responded, remember that one time I said we could lose half of our money? We know what we signed up for, hon. To which she responded: "Had I know, I would use all of our money to buy...
by H-Town
Mon Oct 22, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7690

Re: For those who paid off house - how did you do it?

I searched forum about paying off mortgage but wasn't able to find good information how they did. I have a question for those who paid off your house(s), can you share how you did it? FYI: if it matters, I max out 401k, IRA, and HSA. Contributes some $ into 529 every month, have 6 months ER fund. I...
by H-Town
Mon Oct 22, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7690

Re: For those who paid off house - how did you do it?

Starfish wrote:
Mon Oct 22, 2018 11:49 am
3.6% with the tax advantage minus inflation means that you make money by holding the mortgage.
How come you make money by paying mortgage interest expense? It's called an expense for a reason.
by H-Town
Thu Oct 18, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

Another big drop incoming it seems! I kinda wanna take out money from my EF and buy more VTSAX today... I am a new investor (only since last October) and don't know if this is wise... Do what your IPS tells you to do. My IPS is boring. On the other hand, my crystal ball says that the near future wi...
by H-Town
Wed Oct 17, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: When to TLH?
Replies: 11
Views: 1225

Re: When to TLH?

With the market down the past week or so, I was wondering at what percentage point people pull the trigger and TLH. I know a lot of people say to do it whenever it is possible, I assume that means any loss they get, they immediately TLH. This would lead to a lot of work and money(unless you have fr...
by H-Town
Thu Oct 11, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

I've only been a member of the BH forum for a couple of years, but I'm not sure I've ever seen so many people this antsy. Because easily over 50% dont follow the theory or philosophy of Bogle. Notice how many people are buying ,,, why do they have all this extra cash sitting around? By cutting down...
by H-Town
Thu Oct 11, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

3% of drop? It's barely a noise. Exactly. Including today, the S&P 500 is up 11.32% in the past year. Who cares what it did along the way. We would all take that 1 year return every year. Imagine no one would care when they lose the value of a new car on a single trading day... Why would they care ...
by H-Town
Wed Oct 10, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

3% of drop? It's barely a noise. Exactly. Including today, the S&P 500 is up 11.32% in the past year. Who cares what it did along the way. We would all take that 1 year return every year. Imagine no one would care when they lose the value of a new car on a single trading day... Why would they care ...
by H-Town
Wed Oct 10, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

Who will blink first? :mrgreen:
by H-Town
Tue Oct 09, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3930

Re: How to get over paper loss?

I've held onto $20k company stock from my ESPP and had a paper loss of about $6-7k. Bogleheads advised me to sell it all and buy an index fund and don't try to time the market. I really didn't want to take a loss, but decided to sell $10k company stock and put it all in SCHB last week. A week later...
by H-Town
Tue Oct 09, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

kaeltor wrote:
Tue Oct 09, 2018 12:08 pm
Market can't catch a break!

5 days downward now. (As of this time at least)
I'm just getting started...

Image
by H-Town
Fri Oct 05, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

Nothing to be matter fact about. We are in a nasty free fall. 10-15% is not out of the question. Hopefully I am mistaken. I hope you're not mistaken. I'm still accumulating and would love to buy more at cheaper prices instead of these heady valuations. Be careful what you wish for. Why? Harvest som...
by H-Town
Fri Oct 05, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12906

Re: What purchase saved you the most money?

I usually focus on not spending money to grow my net worth but there are some purchases that save you more than their cost. My friend and I purchased hair clippers at Costco for $40 2 years ago and have buzzed each other's hair since. My cost: $20. Has saved me $240 in haircuts so far. What purchas...
by H-Town
Thu Oct 04, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

bgf wrote:
Thu Oct 04, 2018 3:31 pm
Earl Lemongrab wrote:
Thu Oct 04, 2018 3:14 pm
I did get a couple of notices of dividends paid recently.
i of course used most of mine to buy emerging markets YESTERDAY. of course.
Life comes at you fast.
by H-Town
Thu Oct 04, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

I think there are things going on under the radar. On October 4, 2018, an "up" day for the markets, my portfolio went down. Have noticed the last few days that despite a "record" new highs for the market averages that my portfolio value kept ticking down. This hints that relatively few stocks are d...
by H-Town
Thu Oct 04, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

Call me an optimist, but this seems like the same song and dance we went through earlier this year. Stocks drop for no apparent reason despite solid economic fundamentals, only to then spring forward even further (i.e. one step back, two steps forward). I certainly don't buy the pundits' claim that...
by H-Town
Thu Oct 04, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606905

Re: U.S. stocks in freefall

DanMahowny wrote:
Sun Sep 23, 2018 11:31 am
MotoTrojan wrote:
Tue Sep 18, 2018 2:58 pm
Market drops 35% over the next week, what do you do?
I will waste lots of time reading this thread.
Lol... I'll be busy buying and find a way to get more cash to buy. A man can be creative.

2-5% drop a day... we'll get there by next Friday.
by H-Town
Wed Oct 03, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 9146

Re: My biggest mistake - market timing

Dear friends, I am here to seek help from the you all again. After going through uncertainty in 2015 and part of 2016, my husband was not comfortable in staying market with the fear of losing our principal. So we pulled out all the investments mainly from 401k and 529 accounts and put them all into...
by H-Town
Tue Oct 02, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8574

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

LiquidSky wrote:
Sun Sep 30, 2018 4:16 pm
Any advice, input, guidance to give me?
Thank you so very much for any and all help
Step 1: Learn about the power of compounding.

Step 2: Learn how it works.

Step 3: Put it to work.
by H-Town
Mon Oct 01, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9523

Re: Suze Orman - "I hate the FIRE movement."

After three years, Suze Orman is apparently coming out of retirement and recently did a rapid fire series of interviews for many podcasts. One of these was Paula Pant's Afford Anything podcast, one that I enjoy and frequently listen to. In the show , Paula began the interview with the question "Wha...
by H-Town
Fri Sep 28, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25507

Re: What is your single most expensive mistake?

fujiters wrote:
Fri Sep 28, 2018 1:49 pm
Buying a house in 2007. Peak of the local market. It's still worth 40k less than we paid for it despite spending another 20k on renovations.
Ouch.
by H-Town
Thu Sep 27, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4350

Re: Ventilated car seats?

wfrobinette wrote:
Thu Sep 27, 2018 12:13 am
RobLyons wrote:
Sun Sep 23, 2018 6:29 pm
It's just a marketing ploy. Nothing more effective then putting the windows down or normal AC
I respectfully disagree.Ventilated seats keep the boys cool and dry.
Bahwahaha.. Just remove layers. It's most effective and at no cost.
by H-Town
Wed Sep 26, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3963

Re: First-time victim of credit card fraud

Hi all, I had an urgent message from my bank yesterday. Called them and they had flagged 2 suspicious credit card transactions. One was for a single dollar (tester) and then another for about $160 at a SAM's Club the same day. Sure enough, these were definitely not ours. The card number used was DW...
by H-Town
Wed Sep 26, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: 2-3 Year Savings
Replies: 8
Views: 1308

Re: 2-3 Year Savings

Saving 20k for a purchase in 2-3 years. I have 60% saved up now and will have the remainder saved in the the next 3-5 months. What to do with the money? 100% VMMXX Vanguard Prime Money Market or 50% VMMXX Vanguard Prime Money Market 30% BND Vanguard Total Bond Market 20% VTI Vanguard Total Stock Ma...
by H-Town
Mon Sep 24, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7735

Re: Best way to get $100k cash

... is there any way to get - $100k from like credit card cash advance or some other way - with 0 (or low) fees - with a year of 0% APR. I can pay it off before the 1 year deadline when the 0% APR ends... Have you asked your parents if you can borrow the money from them? That where most kids go whe...
by H-Town
Mon Sep 24, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5188

Re: Vacation without saving adequately?

We were approached by a couple who wants to go on a ski trip this winter. We will likely not be able to save up enough to cover the costs without dipping into savings. We are in a comfortable position, fully contributing to our 401k and Roths and have 6 months of expenses tucked away. I am feeling ...
by H-Town
Sat Sep 22, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Time periods for personal investment
Replies: 25
Views: 1757

Re: Time periods for personal investment

Few of us would invest all our emergency funds in equities. Many of us would invest half our funds in equities as we prepare early in life for our retirement. Where is the break-point for you and how do you manage to it? I put 1 year of annual expense in the high yield saving account as a cash buff...
by H-Town
Thu Sep 20, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 354
Views: 38818

Re: U.S. stocks continue to soar!

amitb00 wrote:
Thu Sep 20, 2018 4:23 pm
Dow and S&P 500 soaring to new highs. Enjoying the ride. Wonder when will this end and don’t want to think about that😁
Not a good thing if you're in accumulation phase. But if you're close to your target to retire, then I'd raise my glass to you :beer
by H-Town
Thu Sep 20, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 3121

Re: Simple-minded sayings?

I've noticed boglehead threads are full of aphorisms Almost every time someone mentions buying a stock, someone will reply smugly "Why do you think you know more than the seller?" but in another thread someone will remind you to "Be greedy when others are fearful, and fearful when others are greedy...
by H-Town
Wed Sep 19, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4171

Re: “Majority of working-age Americans have no retirement savings”

http://www.pionline.com/article/20180918/ONLINE/180919833/majority-of-working-age-americans-have-no-retirement-savings-8211-nirs-report?newsletter=plan-sponsor-digest&issue=20180918 The median retirement account balance among working-age Americans is zero, according to a research report by the Nati...
by H-Town
Wed Sep 19, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25507

Re: What is your single most expensive mistake?

Saving too much... But I've changed. I've spent quite a lot on adventures, experiences, and other things that make my family happy.
by H-Town
Sat Sep 15, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Thoughts on Car Expenditures
Replies: 19
Views: 811

Re: Thoughts on Car Expenditures

It seems that the average sales price for a car in US is around 30k. With average household income of 60k, let's make an aggressive simplifying assumption (most households have more than one car) that there is only one producer and one car per household. That's 50% of gross annual income spent on a...
by H-Town
Fri Sep 14, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4797

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

[Split into a new thread from: A Boglehead explains the simplest way to manage your money --admin LadyGeek] I've never bought into the simplicity mantra. Modern tools allow managing more complex portfolios easily. Simplicity is valuable in the sense that it will prevent investors do harm to their o...
by H-Town
Thu Sep 13, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3732

Re: Should I get a new iPhone?

I'm currently on an iPhone 6 Plus which works fine for how much I use it (light use). But am considering upgrading. Plusses for upgrading: - Better camera, especially the shallow depth of field features. Do the phones with the additional telephoto lens have better bokeh? I don't care for camera - F...
by H-Town
Thu Sep 13, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: What do I do with my investments during a downturn/recession?
Replies: 24
Views: 2858

Re: What do I do with my investments during a downturn/recession?

Hi all, I'm 30 years old, married, and have questions on what to do with my retirement investments exactly during a downturn/recession. Currently, I have: - $20,000 Cash in High Yield Savings Account at VioBank (2% APR/year) - $41,000 in Vanguard's Traditional IRA, VFIFX TRD Fund (90/10 AA) - $11,0...
by H-Town
Wed Sep 12, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15994

Re: iPhone XS Max

As many of you remember, I bought an iPhoneX last year to replace my old iPhone7Plus. I have been disappointed in the size of this phone, as compared to the older, more robust ("bigger") PLUS phone. It's hard t read with the X but I had no trouble doing so on my 7Plus. OK, so I'm willing to suck it...
by H-Town
Mon Sep 10, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10342

Re: Anyone else not save for cars?

Catfish Plumber wrote:
Mon Sep 10, 2018 2:08 pm
Is there a trick to getting “near zero” auto loan interest rates?

I checked current rates on bankrate.com and am seeing 4-5%.
You most likely need to buy new and buy from car manufacturers that have reduced interest rate as a promotion.