Search found 1669 matches

by H-Town
Tue Jun 18, 2019 11:48 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 105
Views: 6732

Re: Why do large personal portfolios include bonds?

On the other hand if that $10,000 had been put under a mattress for 30 years there would be $10,000 exactly at the end. So how do we want to assign risk to that? Note the result in Firecalc for this particular table is not inflation adjusted. Inflation is why I invest. Inflation is one of the bigge...
by H-Town
Tue Jun 18, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 92
Views: 6527

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

Just checking with others about international investments. Despite what economists speculate (and I emphasize that word) for the future, international fund returns over past decade, and more, have been disappointing, to say the least. Right now, my advisor has me at 40% Vanguard Total International...
by H-Town
Sun Jun 16, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 105
Views: 6732

Re: Why do large personal portfolios include bonds?

kfitz1313, << It's easy to imagine young persons who have only worked a few years and have decades left to live. >> We do not know. My 20+ years old niece died of a car accident. There is no certainty in life. How old was Steve Jobs when he died? KlangFool KlangFool - I think you're way out of left...
by H-Town
Sun Jun 16, 2019 1:56 pm
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 105
Views: 6732

Re: Why do large personal portfolios include bonds?

From my observation, the very high net worth individuals will go beyond stocks and bonds portfolio. Many of them invest in private equity funds, VC, start-ups, or private companies. Their wealth allows for very high risk and very high rewards type of alternative investments. I believe in diversific...
by H-Town
Sun Jun 16, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 105
Views: 6732

Re: Why do large personal portfolios include bonds?

From my observation, the very high net worth individuals will go beyond stocks and bonds portfolio. Many of them invest in private equity funds, VC, start-ups, or private companies. Their wealth allows for very high risk and very high rewards type of alternative investments. I believe in diversifica...
by H-Town
Thu Jun 13, 2019 10:01 am
Forum: Personal Investments
Topic: Best HSA account as of June 2019?
Replies: 14
Views: 954

Re: Best HSA account as of June 2019?

whodidntante wrote:
Wed Jun 12, 2019 6:07 pm
Fidelity.

If you don't like that, consider fidelity.
This.

End thread.
by H-Town
Wed Jun 12, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18485

Re: Paying for rent is throwing away money...myth?

Won't Mr and Mrs Rent be fighting over all that money in the S&P 500 fund they invested all those years? Why would they fight over a terrible house that has huge upkeep, is more expensive than renting, makes them less mobile, etc? :shock: Things will be split in half. Mr. and Mrs. Rent each will ge...
by H-Town
Wed Jun 12, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18485

Re: Paying for rent is throwing away money...myth?

My first post--I thought it would be about laying bare my financial soul, but I guess not. I don't think it matters if you buy or rent. They are about the same. Here is my logic. Feel free to beat it up. Let's say Mr. Buy and Mr. Rent are both the same age, 26 and they both have 60K saved up. Mr. R...
by H-Town
Tue Jun 11, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 233
Views: 12240

Re: I'm thinking about buying a supercar anyone here done this and feedback?

Hey Everyone, So, here's an interesting one that I want to see if any Bogleheads have ever been in a similar scenario and have purchased a supercar and more importantly do you think it has provided any value/happiness/fun in your life , and would you or have you done it again ? A little background....
by H-Town
Tue Jun 11, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18485

Re: Paying for rent is throwing away money...myth?

I inherited a home from my mom in FL in 2005, at which time it was appraised at $260,000. That is, in 2005 dollars. By 2010 I would have been lucky to sell it for $80K. I finally sold it in 2018 for $168,000 before paying realtor fees. That was pretty much market value. I did have positive cash flo...
by H-Town
Tue Jun 11, 2019 4:44 pm
Forum: Investing - Theory, News & General
Topic: Best day of the month to invest?
Replies: 41
Views: 4459

Re: Best day of the month to invest?

Hello people, This might sound silly, but there's the common belief that stock prices tend to increase during the beginning of the month due to increased cash flow and then go down to re-adjust themselves at the middle of the month. Therefore, people argue that the best part of the month to sell st...
by H-Town
Tue Jun 11, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 345
Views: 34330

Re: What lifestyle creep made you happier?

1) $25/month gym membership through my insurance provider. It let me go to any LA Fitness, Planet fitness club in the country. It's very handy since I travel very frequently. Workout is my best stress relieving method. 2) Food: I got to enjoy steak, salmon, cod, vegetables, etc. rather than just chi...
by H-Town
Tue Jun 11, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: 15K CAR with comfortable seats and quiet
Replies: 51
Views: 3888

Re: 15K CAR with comfortable seats and quiet

I have about 15K to spend on a new-to-me car. I'm looking for a car with a comfortable seat, good on gas, reliable, and quiet. I used to own a Volvo. It met all the criteria except the reliability. The car was leaking gas and whenever I drove it, I never knew when I'd be done in like one of those o...
by H-Town
Tue Jun 11, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: 2.30% APY Savings Vs. Vanguard Money Market
Replies: 4
Views: 747

Re: 2.30% APY Savings Vs. Vanguard Money Market

You're right that it does not matter for a small portion of cash. Wealthfront offers 2.51% APY. It looks like they're going to the right direction. Competition benefits customers. Thanks for the info. Nothing’s constant, but is the Wealthfront savings a better deal in the long run than VMMX? VMMXX ...
by H-Town
Tue Jun 11, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: 2.30% APY Savings Vs. Vanguard Money Market
Replies: 4
Views: 747

Re: 2.30% APY Savings Vs. Vanguard Money Market

You're right that it does not matter for a small portion of cash.

Wealthfront offers 2.51% APY. It looks like they're going to the right direction. Competition benefits customers.
by H-Town
Tue Jun 11, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Cash
Replies: 14
Views: 1918

Re: Personal Capital Cash

Looks like Personal Capital has jumped into the cash management pool and now offers a 2.3% APY FDIC insured account. https://www.personalcapital.com/cash Of course Wealthfront is already at 2.51%. https://www.wealthfront.com/cash Wealthfront looks like the best deal out there. It's FDIC insured and...
by H-Town
Mon Jun 10, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 71
Views: 6456

Re: Anything you wish you had spent money on when you were younger?

So I know this forum is all about index investing and saving money. But is there anything you regret not spending money on? Like family vacations when your kids were younger or parents were younger/healthier? I spent quite a lot on traveling and experience and not regret one bit. But I still regret...
by H-Town
Mon Jun 10, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18485

Re: Paying for rent is throwing away money...myth?

If I understand the forum's sentiments correctly: It's not ok to lease a car over the long term (let's say 30 years) but it IS ok to lease a house over the long term (let's say 30 years, especially in the same city)? Something tells me there's maybe some bias affecting responses. There's actually m...
by H-Town
Mon Jun 10, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18485

Re: Paying for rent is throwing away money...myth?

Sorry, I don't need to read the thread. I was responding directly to the OP's comment. They themselves understand they have paid for things they dont own with the repairs. They are "getting it" now. There really isn't another side to this. You either are building your own equity or someone else. It...
by H-Town
Mon Jun 10, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 951
Views: 94318

Re: U.S. stocks continue to soar!

ruralavalon wrote:
Mon Jun 10, 2019 10:21 am
yousha wrote:
Mon Jun 10, 2019 10:14 am
Fundamentals take a back seat to the news!
And also take a backseat to rumors, speculations and guesses.
I can hear the giggles in the back from the ladies & gentlemen who wrote the algorithm for robo trading for big institution investors. They claim no credits, but they know.
by H-Town
Fri Jun 07, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2529

Re: New Camry Questions

The dangerous thing is that people get used to those technologies and cannot drive safely without them. From my experience, technologies and computers will break down at some point. I just hope that you can still drive safely when it happens. For me personally, if those technologies come with the ca...
by H-Town
Fri Jun 07, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2529

Re: New Camry Questions

Getting ready to replace my 2000 Camry with a 2019 Camry SE. My wife prefers the look of the SE over the LE, and beyond the aesthetics (she cares, me not so much), the small price difference ($1K) buys a tire pressure monitor, fake leather (Softex) upholstery that might be longer lasting/easier to ...
by H-Town
Fri Jun 07, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

I was thinking similar to that when I bought my 2009 Sonata which now I regret. Yes, I saved a couple of thousands by not buying a Toyota, but I have spent more what I saved to change parts that usually don't go bad on Toyotas and Hondas. I also spent hours at mechanics instead of enjoying my weeke...
by H-Town
Thu Jun 06, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

I find funny that most car examples are completely opposed to the title. I mean come on, what is lower than hondas and toyotas? In the Japanese market Toyota does produce what most anyone would consider a flagship car - the Century. I don't consider an 85k Landcruiser low end either.:) Toyota/Honda...
by H-Town
Thu Jun 06, 2019 11:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

This must be from someone from U.S. continue to soar thread... This guy times the market like there is no tomorrow. I guess we can sell this guy some stocks when he increases his stock exposure from 10% to 100%. https://www.marketwatch.com/story/hop-on-now-before-dow-reaches-40000-says-forecaster-wh...
by H-Town
Thu Jun 06, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

Personally, I rarely see any added value of those "flagship" items. The only exception is that I will buy items that will give me the longest life of utility. If you take out brand recognition associating with an item, the value of that item is simply the cost divided by the total years of utility....
by H-Town
Wed Jun 05, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

I guess there is no more free fall... now we're talking about AMEX Blue Cash Preferred (an absolute steal if you ask me). Also Barclays Uber 4% on dining and 3% hotel, airfare with 0 annual fee is a good deal as well.

Now back to our regular programming...
by H-Town
Wed Jun 05, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

What products in life that worth buying the "flagship" version of them? My own experience: I bought the following item as "budget" AKA cheap and regretted it - Brand new Moto G5 plus. Now that I switched to Pixel 2 (bought used) I see a huge difference in speed and performance. - I tried the Nespre...
by H-Town
Wed Jun 05, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2629

Re: Any TV guys out there?

Thegame14 wrote:
Tue Jun 04, 2019 11:39 am
What do you think of a 55" Samsung 4K UHD TV. smart TV Model:UN55RU8000FXZA

https://www.bestbuy.com/site/samsung-55 ... Id=6323718
55" TCL Roku TV $300 on Amazon works great. Do you need to pay more than 3 times the price for a TV?
by H-Town
Mon Jun 03, 2019 4:22 pm
Forum: Personal Investments
Topic: House Rental
Replies: 9
Views: 918

Re: House Rental

4. Possibly consider airbnb'ing the apartment. Perhaps you will make more if you are an airbnb host. Neighborhood sounds appealing. I don't mean to hijack the thread. My question: which one is better? long-term rent or airbnb/vrbo type? In some locations such as cabins near National Park, beach hou...
by H-Town
Mon Jun 03, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

Good observation. The inverse yield curve is one of the main factors that would tell me it's close to a recession. Since this March, I have started putting aside $6k a month to Marcus. I still continue automatic contribution to max tax advantage accounts and some in brokerage accounts. But when a r...
by H-Town
Mon Jun 03, 2019 10:42 am
Forum: Personal Investments
Topic: Would you pay off car loan early?
Replies: 46
Views: 2213

Re: Would you pay off car loan early?

It's good to see that you have no other debt. Morning All, I have an car loan balance of $15900. I would get a $1000 bonus next month. Do you think I should make an effort to pay off loan early or invest this amount. I don’t have any other debt . My loans Annual Percentage Rate 2.490 * * DAILY PERI...
by H-Town
Mon Jun 03, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

Deeper issues afoot than the daily headlines around tariffs. A distraction imo. One of the leading indicators for GDP growth is True Money Supply (TMS). Durable Goods Orders, ISM Manager's Index, Layoffs, etc. all lag (respond) to the TMS. TMS level is approaching '00 and '07 levels. Furthermore, y...
by H-Town
Fri May 31, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 363
Views: 35240

Re: For those who earn $500k+ per year. How'd you do that?

There's a mountain of evidence that earning more money beyond having your needs comfortably covered (think $60k to $100k range for a family of 4 in most areas of the US) doesn't make people happier. Then I'd give myself as a data point to prove that theory wrong. We make good money, save a good chu...
by H-Town
Fri May 31, 2019 3:47 pm
Forum: Investing - Theory, News & General
Topic: How long does it take to come out of a major downtunr?
Replies: 30
Views: 3010

Re: How long does it take to come out of a major downtunr?

Say the fear of so many non-bogleheads comes true and they invest at exactly the "wrong" time. Historically, how long does it take on average, and in the extremes, for an 80/20 portfolio to recover? I'm guessing 5 years up to 15 or so in the worst case. Very long if you need the money... Very quick...
by H-Town
Fri May 31, 2019 3:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

I bought VTI at 140.81 today. June' checks cleared early. I sort of admire your detachment from these daily drops. Are you never worried to be catching a falling knife? Warren Buffett told me to buy stocks and never sell. I buy stocks every month but instead of all in on the 1st, when the checks cl...
by H-Town
Fri May 31, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 363
Views: 35240

Re: For those who earn $500k+ per year. How'd you do that?

I chose a career where I knew I'd never make millions. It is stable with good benefits and higher than average pay. Sometimes I dream of chasing the big bucks and wonder what specific skills have lead to people earning ultra-high incomes. If you earn over $500k/year, what's your story? A manager le...
by H-Town
Fri May 31, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 363
Views: 35240

Re: For those who earn $500k+ per year. How'd you do that?

I chose a career where I knew I'd never make millions. It is stable with good benefits and higher than average pay. Sometimes I dream of chasing the big bucks and wonder what specific skills have lead to people earning ultra-high incomes. If you earn over $500k/year, what's your story? Are you aski...
by H-Town
Thu May 30, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 64065

Re: Name something you had to have and now you regret purchasing it?

Interesting to note that the replies mostly involve “things”. Not too many regrettable “experiences” on here, other than the marriage reference. 😂 Hmm.. you can't purchase your spouse though. However, I can imagine I'd regret buying dinner and drinks for the people that I don't really care about in...
by H-Town
Thu May 30, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 64065

Re: Name something you had to have and now you regret purchasing it?

Many years ago: a box of 10 piece fried chicken. Just because it's "on sale" for $8.
by H-Town
Thu May 30, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

I occasionally wonder what would happen if stocks decline 89% like they did 1929-1932. How many could/would "stay the course"? I did well through the 2008 crash, and ultimately made a lot of money, but 89%??? I don't know. If you were still in the accumulation phase, then theoretically you would be...
by H-Town
Thu May 30, 2019 2:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

I occasionally wonder what would happen if stocks decline 89% like they did 1929-1932. How many could/would "stay the course"? I did well through the 2008 crash, and ultimately made a lot of money, but 89%??? I don't know. If you were still in the accumulation phase, then theoretically you would be...
by H-Town
Thu May 30, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

I occasionally wonder what would happen if stocks decline 89% like they did 1929-1932. How many could/would "stay the course"? I did well through the 2008 crash, and ultimately made a lot of money, but 89%??? I don't know. If you were still in the accumulation phase, then theoretically you would be...
by H-Town
Thu May 30, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

Truly, in our lifetime (almost everyone here, Taylor included) have only seen one truly existential finance threat event and that was 2008. That last one was 1907 before that. I don't think that the 1929 collapse actually even counts as the fundamental financial system was not failing, but the resp...
by H-Town
Wed May 29, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

ruralavalon wrote:
Wed May 29, 2019 8:59 am
What I want to know is this.

Is it "freefall" or "free fall" or "free-fall"
me wonder which fall is free...
by H-Town
Thu May 23, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7132

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

Just pay attention to the road and don't put yourself in sticky situations.

Other than that, the odds of getting into an accident is small enough that it should not live rent free in your mind.
by H-Town
Wed May 22, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2322

Re: Inexpensive way to gain weight

Stay away from protein shake. You want real food and weight training. Chicken and vegetables (squash, broccoli, etc.) :sharebeer Make sure you take in at least 3,000 cal a day. I would also recommend weight training over cardio. If you do extensive training, make sure you increase your calories inta...
by H-Town
Wed May 22, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Why Do Homeowners Have Higher Net Worths than Renters?
Replies: 30
Views: 2384

Re: Why Do Homeowners Have Higher Net Worths than Renters?

Statistics show that homeowners have net worths 44x greater than renters. Renting on this site seems to be better sometimes than home ownership and all the costly maintenance / repairs that go with it. But why is net worth still so much higher for homeowners compared to renters? Don't mistake corre...
by H-Town
Tue May 21, 2019 1:47 pm
Forum: Personal Investments
Topic: Is an emergency just mental accounting?
Replies: 70
Views: 5656

Re: Is an emergency just mental accounting?

In the case of an emergency fund the special "money jar" is often a high-yield savings account, money market account, etc. Is there any reason why someone shouldn't just revisit their risk tolerance and redirect the emergency fund to that allocation in a brokerage account? For example, a portfolio ...
by H-Town
Tue May 21, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 4899

Re: Recently promoted - how to match image with title?

Hello all! 29 year old petite female, recently promoted to director level at our small company, in a sector that is 80% older men. I happen to be blessed with youthful looks (look to be about 19-20 and get carded regularly). I find myself overlooked at some meetings and events which was fine until ...