Search found 1240 matches

by H-Town
Thu Oct 11, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7350
Views: 1542895

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: 7350
Views: 1542895

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: 7350
Views: 1542895

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: 7350
Views: 1542895

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: 3761

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: 7350
Views: 1542895

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: 7350
Views: 1542895

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: 12539

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: 7350
Views: 1542895

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: 7350
Views: 1542895

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: 7350
Views: 1542895

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: 7350
Views: 1542895

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: 60
Views: 8009

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: 8342

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: 8942

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: 25097

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: 4181

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: 3680

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: 1281

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: 7529

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: 5059

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: 1715

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: 302
Views: 31191

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: 3062

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: 4082

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: 25097

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: 789

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: 4756

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: 3669

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: 2824

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: 15605

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: 10235

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.
by H-Town
Mon Sep 10, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6603

Re: Hurricane Florence - survival guide

2) No electricity=no gasoline. My generator drinkes 5 gallons in about 7 hours. If you do not have electricity for a week you need 7, 5-gallon jugs. During Hurricane Ike (2009), I ran the generator on "as need" basis. The weather was cool in the hurricane aftermath so we didn't need A/C. Only thing...
by H-Town
Sun Sep 09, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6742

Re: Lower Return Decade Says Jack: Thoughts?

Just read Jack Bogle's book (edited in 2017) and was a little discouraged about his comments that we should all expect lower returns in the next decade. For a 60/40 balanced fund it could be as low as 6% and even 4% in some circumstances. Am I misreading? Because if not, Id rather be in CDs and tak...
by H-Town
Fri Sep 07, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 302
Views: 31191

Re: U.S. stocks continue to soar!

limeyx wrote:
Thu Sep 06, 2018 11:44 pm
goodenyou wrote:
Thu Sep 06, 2018 11:20 am
After several bad days, we can change the title to US Stocks Continue to Sore!
I'm selling everything
Your farm too? :wink:
by H-Town
Fri Sep 07, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3174

Re: Selling a newish vehicle yourself, how to do it?

I'll be selling my 2017 vehicle pretty soon and would like to learn from experienced hands how best to go about it. Where to list it, how to demo it to prospective buyers and stay safe, how to get payment and avoid getting scammed, etc. Will appreciate words to the wise on how to do this successful...
by H-Town
Fri Sep 07, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Are the stock market movements really random?
Replies: 37
Views: 2887

Re: Are the stock market movements really random?

Let's say that I have a lump sum available for investing. One of the ideas I've been seeing floating in the forum is that the movements of the stock market are random, hence the best decision would be to invest the lump sum either immediately, or dollar cost average it over a period of 12 months or...
by H-Town
Thu Sep 06, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9654

Re: How to "waste" money on groceries?

My spouse buys fresh fruits and vegetables that she knows she will never touch. She has a mold garden growing in the fridge and on the kitchen counter. She seems to love fruit flies, too. She also prepares large amounts of food and eats a little bit. That food just spoils away inside a tupperware c...
by H-Town
Wed Sep 05, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7350
Views: 1542895

Re: U.S. stocks in freefall

Haven't you heard? We're going to go into a recession the second half of next year. You can take it to the bank.... Nice chart at MarketWatch today: https://farm2.staticflickr.com/1893/44364009251_20055175e1_o.jpg https://www.marketwatch.com/story/the-road-to-fresh-stock-market-highs-is-littered-wi...
by H-Town
Wed Sep 05, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7350
Views: 1542895

Re: U.S. stocks in freefall

Haven't you heard? We're going to go into a recession the second half of next year. You can take it to the bank.... Nice chart at MarketWatch today: https://farm2.staticflickr.com/1893/44364009251_20055175e1_o.jpg https://www.marketwatch.com/story/the-road-to-fresh-stock-market-highs-is-littered-wi...
by H-Town
Wed Sep 05, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7350
Views: 1542895

Re: U.S. stocks in freefall

Freefall much?

:mrgreen:
by H-Town
Tue Sep 04, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2282

Re: Why does Vanguard not give percentage for YTD returns?

If I must figure it myself, can someone help with a reliable method? It does. In the Menu, go to My Accounts, then Performance and Returns. Try it. The actual return on the far right disappears when one selects YTD in the option menu. My Accounts > Personal Performance, then change the date range (...
by H-Town
Tue Sep 04, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9871

Re: What will you do when you find you have more money than expected?

Before you retire, you have an estimate of your expenses (budget) in retirement and build a portfolio to support that budget. If, after a few years in retirement, due to some reasons (better than expected market returns, unused buffer, unexpected inheritance, etc.), you have more money to spend. Wh...
by H-Town
Tue Sep 04, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10145

Re: Max you should invest in a 529?

Hi all, what do people think is the most you SHOULD put in a 529? I believe Vanguard's 529 plan for Nevada has a max of $370k. Wondering how much money people feel comfortable with investing in a 529 (would anyone even put in the max if they had the capital to do so?), and how they balance concerns...
by H-Town
Tue Sep 04, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10145

Re: Max you should invest in a 529?

529 can only be used for college. So don't over do it even it is tax free on earning. Max your retirement 1st, then 529. I believe this is incorrect. The Tax Cuts and Jobs Act, which was signed into law in December 2017, allows families to use 529 plans to pay for up to $10,000 in tuition expenses ...
by H-Town
Tue Sep 04, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9654

Re: How to "waste" money on groceries?

Which foods do you spend a premium price on? When we travel, we spend premium price on local food, seafood, etc. When we're at home, occasional we have ribeye & filet mignon steak, seabass, swordfish, dungeon crab, etc. We don't have a set budget on what we eat. We just keep track of everything we ...
by H-Town
Tue Sep 04, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2282

Re: Why does Vanguard not give percentage for YTD returns?

If I must figure it myself, can someone help with a reliable method? It does. In the Menu, go to My Accounts, then Performance and Returns. Try it. The actual return on the far right disappears when one selects YTD in the option menu. My Accounts > Personal Performance, then change the date range (...
by H-Town
Tue Sep 04, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7111

Re: Daily Driver (Car) Over 100K Miles?

I own an older Subaru Forester with > 100K miles. I recently spent $750 on a timing belt replacement so probably will keep the car 'til it dies. Who else has a high mileage vehicle that's used as a daily driver? What type of vehicle is it, and how do you decide when to sell it? Do you buy another c...
by H-Town
Tue Sep 04, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: When do you drop collision insurance?
Replies: 52
Views: 2961

Re: When do you drop collision insurance?

I dropped the collision on my 09 Fusion with 65k miles. You're way overdue to drop it. If another car hits you, it's their fault and their insurance pays....not yours. and what if they don't have insurance, which is illegal but can happen. With GEICO, I choose Uninsured property damage. If other dr...
by H-Town
Tue Sep 04, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9679

Re: What is your stealth way to save monthly?

Hi all, What is your recommended way to save money in a stealth manner every month? Thus in a way making it seem like you're not saving money at all. So it is not even noticed. For example: - automatically moving a small amount of money to a separate savings account and not checking that account - ...