Search found 873 matches

by thangngo
Tue Apr 17, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me with arguments for/against actively managed...
Replies: 34
Views: 1568

Re: Please help me with arguments for/against actively managed...

I am in a debate with a friend regarding performance of an actively managed portfolio that charges 1.2% fees per year vs. a three fund strategy at Vanguard. Please help me with the pros/cons of this argument. Thanks in advance. Love, RR Teach yourself so you know it well enough to have this debate.
by thangngo
Mon Apr 16, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5404

Re: Costco gas

tmsul100 wrote:
Sun Apr 15, 2018 11:13 am
Do you go out of your way to buy gas at Costco? Those who drive a "premium" tier car, do you buy premium gas? Thanks!
No. Costco gas is no better than Exxon or Shell. I use Exxon station because it's closer and the price is usually similar or lower than Costco.
by thangngo
Sat Apr 14, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Help with federal tax return]
Replies: 15
Views: 633

Re: [Help with federal tax return]

split it in half and move on. $1 is not something that you would want to fret over.
by thangngo
Fri Apr 13, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Ditched bond fund for money market. Thoughts?
Replies: 40
Views: 3674

Re: Ditched bond fund for money market. Thoughts?

I've had balanced index fund as my only holding. I'm a set it and forget it kinda guy, and I like the AA [60/40] - however, I've been underwhelmed by the bond side of it. I've also been a bit worried about it under-performing during these days of raising rates [though I know one of the goals w/ a b...
by thangngo
Thu Apr 12, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 153
Views: 8293

Re: Why are expected returns so much lower than historical returns?

https://www.bogleheads.org/wiki/Historical_and_expected_returns Beginner here trying to figure out how much I need for retirement and I'm confused. Historical real returns are something like 7% on equities and 2.5% on bonds and yet everybody seems to expect closer to 2-4% real on equities and 0-2% ...
by thangngo
Wed Apr 11, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4168

Re: New Lexus LS or Tesla Model S

Am I missing something? With a Tesla, you have to charge the battery every 200-300 miles, right? We typically drive our Cadillac 600-700 miles per day on road trips, visiting grandchildren or a warm place in the winter. The Tesla would not be capable of such a trip. Wouldn't this be a factor in the...
by thangngo
Tue Apr 10, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13885

Re: Parents have zero savings. What can I do?

Either you help or you don't. You have your conscience to live with. Just be thankful that you have more savings than average American does. At least you don't have to worry about yourself and your own family. Some colleague of mine give their church one fourth of their gross income. The other one h...
by thangngo
Mon Apr 09, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4168

Re: New Lexus LS or Tesla Model S

Sorry to be contrary, but I drove the MB S-class, and I still feel the Lexus LS 4th generation drives/feels powerful and smooth good road feel and responsive steering, has great insulation from bumps, and feels sturdy and save and not anything like the lightweight cars that everyone seems to have t...
by thangngo
Mon Apr 09, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4168

Re: New Lexus LS or Tesla Model S

Tesla sportier, Lexus more comfortable and proven reliable. I'd go with the Lexus if you're over 40 and Tesla if under 40. what kind of logic is that? Tesla = young person's car Lexus = old person's car LOL Since we are throwing stereotypes out here, how about: Tesla = nerdy/trendy person's car Lex...
by thangngo
Sun Apr 08, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 31
Views: 3830

Re: Honda reliability slipping?

Just opinions. When it comes to vehicle reliability nobody knows nothin'. I don't know why people think they know everything there is to know about this topic, even though they are willing to admit nobody knows nothin' about the market. Let me know. Except maybe the professional statisticians who c...
by thangngo
Sun Apr 08, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 31
Views: 3830

Re: Honda reliability slipping?

Just opinions. When it comes to vehicle reliability nobody knows nothin'. I don't know why people think they know everything there is to know about this topic, even though they are willing to admit nobody knows nothin' about the market. Let me know. :D :D :D Yeah, that's true, at least in my case. ...
by thangngo
Sat Apr 07, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13885

Re: Parents have zero savings. What can I do?

My in-laws have zero savings for retirement and I'm concerned about how it will impact our financial future. I'm here because I'm not sure what steps I can take, or what I should be thinking about. I don't yet have a complete understanding of how this will affect me and my spouse over the next 20+ ...
by thangngo
Sat Apr 07, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

The question is: Are you ready for a -40% drop, interest back to 7~8% normal level, unemployment rate up to 10% , inflation rate +5~6%? I've seen worse. People will survive... one way or the other. Those who have high leverage in house mortgage, car loan, credit card debt, etc. will be the first to...
by thangngo
Fri Apr 06, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6083

Re: Are we in bear territory?

Keepcalm wrote:
Fri Apr 06, 2018 1:56 pm
How close are we to a 20 point drop? And what range of months does it require that 20 point drop to be within? Where are we at now?

Thanks.
Why do you want to know? Are you going to do anything differently if we are or we are not in bear territory?
by thangngo
Fri Apr 06, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3454

Re: How often do you replace your office shoes?

Just curious here. How often do you wear out your daily office/work shoes? Mine are three years old today, and I keep thinking about replacing them. This past winter has seemed to accelerate the wear. I alternate pairs so I tend to wear brown on Monday, black on Tuesday and so on. The brown ones ar...
by thangngo
Fri Apr 06, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

At least international equities aren't as bad today. HEFA (currency hedged eafa) and EFA (eafa) are down 1.25% and 0.82% as we speak. The S&P 500 is down 2,50%. With volatile stocks like US stocks, why hold them at all? Time to go 100% international? 100% international or any international at all w...
by thangngo
Fri Apr 06, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

Sales6280 wrote:
Fri Apr 06, 2018 2:33 pm
Perfect day for $11,000 in Roth IRA contributions!
You're in for a bumpy ride this year. Buckle up! :beer
by thangngo
Fri Apr 06, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2649

Re: GEICO rate increase: 49% annualized?!

We switched to GEICO in November, and now for our May renewal, we're seeing a 22.2% rate increase for the six months, or 49% annualized! I called, and they gave me the standard line: It's nothing we've done, we have a perfect driving record, but premiums are going up as the cost of claims rises. Bu...
by thangngo
Fri Apr 06, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

And the 'efficient' market is bunny hopping again. Purportedly, today's hopping is due to fears of a trade war, but I don't see how/why that should have changed at all since the close of business yesterday. It means I should be able to buy more shares at a discount next week. 8-) Well, every time w...
by thangngo
Thu Apr 05, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

Anyone tired of the stock keep going up for 3 days?


- A message inspired by TheTimeLord
by thangngo
Wed Apr 04, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 7013

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

Hello all, I am a Boglehead and have been for the past 6 years which has worked out great for me. I know the general answer to my question is, check AA at fixed intervals, if it is unbalanced, rebalance it. BUT It can be frustrating when the market has a huge pullback yet you do not get to take adv...
by thangngo
Wed Apr 04, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5378

Re: 2018 Camry. What's wrong with me?

No vehicle is “fun” unless you drive it like a jerk. Not true. Even in traffic, a responsive, nimble, sporty car with lots of tactile feedback in the controls is a lot more engaging and interesting than a Camry. If you’ve ever read a drivers license handbook carefully, you’d find it is true. Especi...
by thangngo
Wed Apr 04, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5378

Re: 2018 Camry. What's wrong with me?

Last weekend I test drove a 2018 Camry. After the drive I walked away feeling numbed. It seemed the new Camry didn't instill any sense of emotions into me. No wows. No oohs. Nothing. It was a nice compliant drive but lacking any connections and excitement. Could it be that I already set up myself f...
by thangngo
Wed Apr 04, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5378

Re: 2018 Camry. What's wrong with me?

Last weekend I test drove a 2018 Camry. After the drive I walked away feeling numbed. It seemed the new Camry didn't instill any sense of emotions into me. No wows. No oohs. Nothing. It was a nice compliant drive but lacking any connections and excitement. Could it be that I already set up myself f...
by thangngo
Wed Apr 04, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5378

Re: 2018 Camry. What's wrong with me?

Last weekend I test drove a 2018 Camry. After the drive I walked away feeling numbed. It seemed the new Camry didn't instill any sense of emotions into me. No wows. No oohs. Nothing. It was a nice compliant drive but lacking any connections and excitement. Could it be that I already set up myself f...
by thangngo
Mon Apr 02, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

The dip today is too good to pass up for buying... I'll bite and putting in a buy order now.
by thangngo
Mon Apr 02, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

Earl Lemongrab wrote:
Mon Apr 02, 2018 10:35 am
I managed to sell VOO at a small loss and buy a similar amount of IVV to replace it. So now the Wash Sale Police can come after me.
You interpreted the wash sale rule with a conviction. That's all you should care about.

The IRS has bigger fish to catch.
by thangngo
Mon Apr 02, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

Image
by thangngo
Sat Mar 31, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much do I need to save?
Replies: 16
Views: 2750

Re: How much do I need to save?

Do the best you can to save until you can go out and buy [A] without even looking at the price.

Substitute [A] with grocery, dining out, travel (plane ticket, hotel), luxury car, charitable donations, and other all things.
by thangngo
Thu Mar 29, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

RRAAYY3 wrote:
Thu Mar 29, 2018 4:59 pm
ReformedSpender wrote:
Thu Mar 29, 2018 3:08 pm
So after January's enthusiastic +8% move followed by February/March pessimistic 10% move down, markets closed this qtr negative but ever so slightly...


:beer
Looking at Jan 2 - Now ... Basically, nothing happened
I don't know about that. My # of shares went up by a good margin.
by thangngo
Wed Mar 28, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 2665

Re: New 2019 RAV4 is now out - looks good

CULater wrote:
Wed Mar 28, 2018 9:58 am
I'll be looking to dump my new CRV and I'll be looking hard at the RAV4 when it goes on sale.
Just like that? You make people who buy an used luxury cars every 7 years look frugal.
by thangngo
Tue Mar 27, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

Fellow bogleheads, I hereby declare the end of the great bull market as we know it. Buy a house, if you must. Buy a car, if you must. Buy a boat, because you know... YOLO But this is the great opportunity to save and invest. Your future self and family will thank you 10 years later. Respectfully, A ...
by thangngo
Mon Mar 26, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

Another good reminder that you don't want to miss out on the few good days of the year like today by constantly buying and selling out of positions or haphazardly market timing. Even though I am very bearish on equities for 2018 and 2019, I will still maintain my stock exposure based on my IPS and ...
by thangngo
Fri Mar 23, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

MJW wrote:
Fri Mar 23, 2018 6:39 pm
I haven't been a member of this forum for all so long. Do people here normally get this amped up over market volatility? What about the "stay the course/steady as she goes" Boglehead ethos? Or is this just something to talk about lest the forum be dull otherwise?
The later.
by thangngo
Fri Mar 23, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Talk some sense/cents into me- new car purchase
Replies: 44
Views: 3019

Re: Talk some sense/cents into me- new car purchase

Just paid off our only car payment we had leaving us with 30k in student loans and 330k mortgage with gross income 165k. You guys helped last time on a house improvement so now I need your input again on a car. We want to be debt free FWIW minus the house within 5 years. Starting in April we will b...
by thangngo
Fri Mar 23, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

Earl Lemongrab wrote:
Fri Mar 23, 2018 3:01 pm
Earl Lemongrab wrote:
Fri Mar 23, 2018 2:02 pm
Still not enough to TLH VOO yet, but a lot closer.
Doh. I got distracted and missed market close. I could have squeezed out a loss.
Maybe a blessing in disguise. You'll find bigger opportunities to TLH next week.
by thangngo
Fri Mar 23, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

oldcomputerguy wrote:
Fri Mar 23, 2018 4:48 am
Starchild wrote:
Thu Mar 22, 2018 7:14 pm
Yeah, everyone in the world who owns stock lost money today. You’re certainly not alone 😀
I didn't. I didn't sell.

:wink:
Apparently you should. :twisted:
by thangngo
Fri Mar 23, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

This is it! Last chance for ya'll to bail out of the sinking ship!





...

I'm over here buying or catching falling knives. :twisted:

Either way, I need to tight up discretionary expense for the next month :oops:
by thangngo
Thu Mar 22, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

I know it.

You know it.

Everyone knows it.

Even Jon Snow knows it.

That nobody knows nothing.

:sharebeer
by thangngo
Thu Mar 22, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car buying strategies with new safety technologies
Replies: 71
Views: 4708

Re: Bogleheads car buying strategies with new safety technologies

Adaptive cruise control - makes traffic related stress of driving melt away to a good degree. I set it to its closest following distance, but still have people swooping in to take up the "free" space. With the way people drive on the highways, I bet I will get a chance to use Automatic Emergency Br...
by thangngo
Thu Mar 22, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Notice Help
Replies: 11
Views: 750

Re: IRS Notice Help

I just got a notice from the IRS stating that think there's unreported income from 2016. It lists out security transactions that were not listed on my return but were Reported to IRS by Others. For example, on 2/14/16 I tax loss harvested from All-World Ex-US to Total International. Vanguard shows ...
by thangngo
Thu Mar 22, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7083

Re: What Budget? Do you keep one?

Do you know your budget? We save and invest in order to retire at some point, right? We might be there (late 40's), but can't really be sure. The problem is we don't really know what our annual spending really is. It fluctuates wildly. For the past 5 years now, I've been trying to figure out our nu...
by thangngo
Thu Mar 22, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

Anyone here still have high hope for big returns of U.S. stock for the next decade?

Image
by thangngo
Thu Mar 22, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: How can I start investing when equities and real estate are this much high?
Replies: 65
Views: 7778

Re: How can I start investing when equities and real estate are this much high?

Hello, fellow members! It's so nice to join the forum, and I hope I can learn a lot from this forum. I have some funds that I pulled from investment in August 2014 due to some fear, actually a strong fear about Fed's ending QE. Since then I've put them in CD accounts-I've learned now that it was no...
by thangngo
Wed Mar 21, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Do you Continue to invest even in down market??
Replies: 54
Views: 6320

Re: Do you Continue to invest even in down market??

Hello All, Simple question for most of you but I am new to investing outside of my 401k. Simply, do I continue to invest money when the stock prices are losing (declining) in my current portfolio? Do I change my allocation? Or ride it out and keep contributing? Should I only open a non retirement a...
by thangngo
Mon Mar 19, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car buying strategies with new safety technologies
Replies: 71
Views: 4708

Re: Bogleheads car buying strategies with new safety technologies

The technologies is only as good as the driver is. If you drive safely, you'll be safe. The safety features do not make a car safe if you're distracted or under influence while driving. Actually, I think the exact opposite is true - they might very well keep a distracted or otherwise bad driver fro...
by thangngo
Mon Mar 19, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371781

Re: U.S. stocks in freefall

To anyone who wants to sell, I'm buying :beer
by thangngo
Mon Mar 19, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ever received a legitimate unsolicited call from the I.R.S.?
Replies: 24
Views: 2172

Re: Ever received a legitimate unsolicited call from the I.R.S.?

But the telephone call itself, experts say, is the first tipoff that the call is bogus. The I.R.S. does not initiate contact through phone or email, but rather sends written correspondence through the United States mail. “The I.R.S. does not call people,” Mr. Gregory said. https://www.nytimes.com/2...
by thangngo
Sun Mar 18, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car buying strategies with new safety technologies
Replies: 71
Views: 4708

Re: Bogleheads car buying strategies with new safety technologies

Even if you are an aware driver you can be affected by those who are not. For example, a driver in a car in front of you is texting and accidentally slams their brakes. Or a deer runs in front of them or a dozen other similar scenarios cause them to brake suddenly. As an aware driver, you are follo...