Search found 112 matches

by ImUrHuckleberry
Wed Apr 25, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6659
Views: 1437498

Re: U.S. stocks in freefall

Now I feel like I got ripped off on my 2.95% 15-year term in 2012.
by ImUrHuckleberry
Tue Apr 24, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Fun Money
Replies: 45
Views: 3073

Re: Fun Money

There seems to be some cognitive dissonance here. Can anybody explain this to me??? Am I missing something? How can the need to squeeze every penny out of your fund and obtain market returns be consistent with gambling 1/10th of your portfolio? Based on everything I’ve read and understand, you shou...
by ImUrHuckleberry
Sun Apr 22, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5694

Re: How long have you been unemployed?

Started working in 1979 at age 10 with a paper route. Was unemployed once around 1991/1992 for about a year, and then in 2013-2015 for 2.5 years. (After 1.25 years of constant rejection decided to stop looking and went back full time for my MS and got a great job soon after graduating.) In addition ...
by ImUrHuckleberry
Fri Apr 06, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7180

Re: Your Monthly Cost of Living

What is your total monthly cost of basic living? 1. Housing: rent/mortgage/utilities 2. Transportation: car, insurance, license, registration, gas, maintenance 3. Food: groceries, restaurants 4. Other Not including fun stuff, entertainment, hobbies, or travel 1. $1750 mortgage, insurance, taxes, wa...
by ImUrHuckleberry
Fri Apr 06, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3899

Re: How often do you replace your office shoes?

I have a pair of black, burgundy, and grey.

Black ones get the most use and last about 1.5 years, 2-3 years for the burgundy, and the grey pair might last 5 years since I only wear them with jeans which I don't often wear to the office.
by ImUrHuckleberry
Fri Apr 06, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6286

Re: Are we in bear territory?

munemaker wrote:
Fri Apr 06, 2018 3:00 pm
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.
No, we are not in bear territory. Not even close.
Just about halfway.
by ImUrHuckleberry
Sat Mar 31, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 18242

Re: Are we missing recession /bear market beginning

@md&pharmacist

I think most probably don't believe you but they're just trying to be polite. I'll own up to that being my opinion in any case.
by ImUrHuckleberry
Sat Mar 31, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 42
Views: 3094

Re: compression sack for sleeping bag, help with calculations please

One can buy bags and jackets with down treated to be hydrophobic, so that it is just like synthetic when it comes water and just like down when it comes to weight, loft, and compressibility. Does it work? Does it work long-term? Why not do that to all down bags? Why does anyone buy synthetic bags? ...
by ImUrHuckleberry
Sat Mar 31, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4475

Re: Tired of gas grills rusting out...

Nexgrill stainless if you want a decent grill at a price point below Weber.

And from what I've read and my own experience, covering a grill may cause it to it rust out faster.
by ImUrHuckleberry
Mon Mar 26, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12592

Re: Seasoned bogleheads repressing the thought of lower expected returns

Come on. Shouldn't you know by now? A person can only be unemployed for 6 months as per unemployment statistic. Beyond 6 months, you are classified as unemployable and no longer part of the unemployment statistic. This is why the peak of the graph can never exceed 26 weeks. None of the above is act...
by ImUrHuckleberry
Mon Mar 26, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12592

Re: Seasoned bogleheads repressing the thought of lower expected returns

Are you prepared for the next recession? A) What is your AA? B) What is the size of your emergency fund? KlangFool A) Something close to 75/25 with some weird rules that would take this thread too far off topic if I got into them. B) Not big enough. We're still recovering and trying not to waste re...
by ImUrHuckleberry
Mon Mar 26, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6659
Views: 1437498

Re: U.S. stocks in freefall

LadyGeek wrote:
Mon Mar 26, 2018 10:17 pm
The thread will stay open.
ucla-engineer wrote:
Mon Mar 26, 2018 9:30 pm
#6000!!!
Actually, it's post #6043 for you.

The right side of the page, just to the left of the page numbers, contains the total post count.
========

Let's stay focused on investing.
It says 6004 after your post for me.

Edit: and now 6005 after my post.
by ImUrHuckleberry
Mon Mar 26, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12592

Re: Seasoned bogleheads repressing the thought of lower expected returns

Do you have any statistics showing how long people were unemployed during the last recession (i.e. 50th percentile, 25th, 75th)? They aren't broken out into percentiles like that but all the numbers are available at FRED here: https://fred.stlouisfed.org/categories/32451 Unemployment during the 200...
by ImUrHuckleberry
Mon Mar 26, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12592

Re: Seasoned bogleheads repressing the thought of lower expected returns

I was unemployed for 2 years and 5 months during the initial recovery to the Great Recession, and despite having a 75/25 portfolio and a working spouse we still lost much of our retirement savings. As Will said, you can't protect against all tail risks. (We also did not have a large enough emergency...
by ImUrHuckleberry
Sun Mar 25, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12592

Re: Seasoned bogleheads repressing the thought of lower expected returns

Are seasoned bogleheads on this forum repressing the prospect of hardly positive real returns for the next decade, because its painful to acknowledge? No need to repress anything, it's a market and markets go up and they go down... and sometimes for extended periods. Younger Bogleheads in accumulat...
by ImUrHuckleberry
Sun Mar 25, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12592

Re: Seasoned bogleheads repressing the thought of lower expected returns

Are seasoned bogleheads on this forum repressing the prospect of hardly positive real returns for the next decade, because its painful to acknowledge? No need to repress anything, it's a market and markets go up and they go down... and sometimes for extended periods. Younger Bogleheads in accumulat...
by ImUrHuckleberry
Sat Mar 10, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 19103

Re: Books that have actually changed your life, in a way.

Feeling Good (cognitive therapy which got me over depression as a teen/young adult) Touching The Void (set me off on a path of rock and ice climbing for over 20 years) The Jungle (think everyone knows what this is about) Harrington on Hold'em (set me off on my next great love after climbing, no limi...
by ImUrHuckleberry
Sat Mar 03, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Fails In Fixed Income
Replies: 25
Views: 2968

Re: Larry Swedroe: Active Fails In Fixed Income

cfs wrote:
Sat Mar 03, 2018 1:42 pm
Thank you Mister Dave for the link to the article.

Mister Swedroe is no longer participating in this forum for good reasons [our loss].

My signature applies, y gracias por leer ~cfs~
Why is that?
by ImUrHuckleberry
Wed Feb 28, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8421

Re: Physical cash

$3 in my wallet right now and probably something like $15 in change around the house and in the consoles of our cars. I spend any money in my wallet so I try not to get too much cash.
by ImUrHuckleberry
Wed Feb 28, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 19655

Re: What was your % pay raise?

I've never had an official review in 2 years at my current employer, but my salary has increased ~ 57% over those 2 years from promotions and market adjustments. My first official review is coming up.

Prior to this job I probably averaged 1.5% per year max over the last decade or so.
by ImUrHuckleberry
Wed Feb 28, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 15149

Re: How much cash do you keep at any time on checking?

$47 right now but paychecks are hitting tomorrow and Friday. By next week balance will be down to about $100.
by ImUrHuckleberry
Wed Feb 28, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4281

Re: Why have Emergency Funds?

I keep one to two months of ready cash, basically enough to pay the credit card balance and have something left over. Cash emergencies can be covered with credit card float, HELOC, cashflow from paychecks, selling from taxable, etc... An emergency is a great first step to getting your finances in s...
by ImUrHuckleberry
Wed Feb 28, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4281

Re: Why have Emergency Funds?

Sheepdog has almost 5000 posts. Maybe at least a hint on what to search for? /forum/viewtopic.php?t=25126 Thank you for the link. For posters like AlohaJoe who start history at 2010 of course everyone would be better off investing 100% in equities. Who said anything about investing in 100% equities...
by ImUrHuckleberry
Wed Feb 28, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4281

Re: Why have Emergency Funds?

So sure you can keep $40,000 in stocks in taxable instead of $20,000 to account for a possible crash at an inopportune time. But if you're not maxing all tax advantaged space first that's probably a bad idea. You're thinking about it backwards. 100% stock in taxable with no emergency fund is not th...
by ImUrHuckleberry
Wed Feb 28, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4281

Re: Why have Emergency Funds?

People that put all their savings into tax advantaged accounts? If you have an emergency fund in taxable then clearly not all of your money is in tax advantaged accounts. There's absolutely nothing preventing you from taking the thousands of dollars you call and emergency fund and buying the S&P 50...
by ImUrHuckleberry
Wed Feb 28, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4281

Re: Why have Emergency Funds?

People that put all their savings into tax advantaged accounts? If you have an emergency fund in taxable then clearly not all of your money is in tax advantaged accounts. There's absolutely nothing preventing you from taking the thousands of dollars you call and emergency fund and buying the S&P 50...
by ImUrHuckleberry
Tue Feb 27, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4281

Re: Why have Emergency Funds?

People that put all their savings into tax advantaged accounts?
by ImUrHuckleberry
Mon Feb 26, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 8338

Re: how did you determine your risk tolerance?

because i have a mortgage...and like all young families my house is my biggest "asset". nonetheless, search threads on "mortgage as a negative bond" and it suggests that i should be 100% bonds , so from that perspective i'm already way too aggressive to even have stocks at all. i obviously disagree...
by ImUrHuckleberry
Sun Feb 25, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 8338

Re: how did you determine your risk tolerance?

I didn’t say it would. But his 401k was in stocks and he had to liquidate the stocks slowly to live. How would you feel if your 401 is down 50% and you have to take out some money on top of that. If you're into your 401(k) it's a bad situation any way you look at it. But can we agree that in extrem...
by ImUrHuckleberry
Sun Feb 25, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 8338

Re: how did you determine your risk tolerance?

Wait until you also get a lay off notice, stock market is down by a large percentage, it might take you years to find full employment, or maybe never. Your emergency fund is also gone and you have to pay COBRA or the like for health insurance. I understand this point of view. However, wouldn't you ...
by ImUrHuckleberry
Sat Feb 24, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 2678

Re: Should I ask for a larger raise at yearly review?

3 years on the job. Just promoted with a big raise. Paying for your MBA. Lett No you basically work remotely. Yeah, you should ask for even more. I agree. OP is stuck. Sometimes the only way to get caught back up if you start low is to switch companies (which it sounds like you don't want to do) or...
by ImUrHuckleberry
Mon Feb 19, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle cashback bonuses?
Replies: 8
Views: 1304

Re: How to handle cashback bonuses?

Whatever you do, don't get the 1 medium quality pad for $150 when you can get 1 high quality long life pad for $155.
by ImUrHuckleberry
Fri Feb 16, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10206

Re: Job is starting to suck the life out of me.

If you are an employee for a company, you have a job, not a career. Wrong I would be interested in your persoective. Please elaborate. Purely by definition of career, you are wrong. But to elaborate; your employer doesn't own you. You build skills and cultivate networks and are free to leverage thi...
by ImUrHuckleberry
Fri Feb 16, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10206

Re: Job is starting to suck the life out of me.

GratefulinNC wrote:
Fri Feb 16, 2018 1:07 pm
If you are an employee for a company, you have a job, not a career.
Wrong
by ImUrHuckleberry
Thu Feb 15, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6659
Views: 1437498

Re: U.S. stocks in freefall

livesoft wrote:
Thu Feb 15, 2018 8:30 pm
walletless wrote:
Thu Feb 15, 2018 5:16 pm
The dry-powder folks enjoyed the correction, for sure!
Are bond funds dry powder?
Worked for me!
by ImUrHuckleberry
Thu Feb 15, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Are ETFs Safe?
Replies: 11
Views: 1000

Re: Are ETFs Safe?

That article talks about the danger of derivatives and then seems to assume that all ETFs are derivatives, which I don't believe is the case.
by ImUrHuckleberry
Thu Feb 15, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 5257

Re: What is the evidence against slice and dice?

hdas wrote:
Thu Feb 15, 2018 12:20 pm
What is the evidence that this might not work well in the future?
That evidence consists of the fact that past performance is not a guarantee of future performance. Maybe it will work better, the same, or worse.
by ImUrHuckleberry
Thu Feb 15, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10730

Re: My Over $300K Vanguard Balance Disappeared?

If this happened to me it would scare the Bejesus out of me and perhaps cause me to move my Vanguard funds to another provider. I admit that might not be rational but I live in fear of my retirement accounts being stolen by bad actors. I want a custodian with excellent IT services and controls. Yes...
by ImUrHuckleberry
Thu Feb 15, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 23537

Re: Do you see a meaningful change in your income with new Tax Bill?

It now looks like we'll save about $2000 based on our expected 2018 income versus the old tax plan. What's interesting is that if we didn't change our withholdings allowances from 2 to 0, we would have owed in April 2019. This gives the appearance that the savings are bigger than they are, and I'm w...
by ImUrHuckleberry
Thu Feb 15, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 288
Views: 21905

Re: free dinner investing seminar

We need a trip report on the Valentines Day investing seminar experience that someone in the thread was planning for.
by ImUrHuckleberry
Wed Feb 14, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 113
Views: 9678

Re: PSA: Bank of America now charges $12/month for checking

You don't need to go inside a bank to use a bank.
by ImUrHuckleberry
Tue Feb 13, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10206

Re: Job is starting to suck the life out of me.

Am I just naive at 31? I try to take initiative to help out the department and they could all care less and I'm not even looking for a pat on the back. Just their demeanor speaks volumes. Including the head tech and the supervisor. Makes me just want to do enough while on shift just to get by under...
by ImUrHuckleberry
Mon Feb 12, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 5027

Re: Random conversations regarding money

The man lives by the golden rule
Whoever has the gold, rules
by ImUrHuckleberry
Sat Feb 10, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 7687

Re: Day trading for a living/career?

Helo80 wrote:
Sat Feb 10, 2018 9:02 am
Day trading is easier to do when the market's are going up. When they're going down or are very volatile, those are the true tests of day traders and then it starts to look more like gambling.
The handful of traders I know tell me that they live for days like we've seen the past week or so.
by ImUrHuckleberry
Sat Feb 10, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6659
Views: 1437498

Re: U.S. stocks in freefall

I bought stocks today, hopefully. My plan in my Fidelity 401K was to exchange 20% of my bonds for total stock market when the market falls 10%, then 30% of remaining bonds at market drop of 20%, and the balance at market drop of > 30%). I missed executing this yesterday, so today I submitted an exc...
by ImUrHuckleberry
Fri Feb 09, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6659
Views: 1437498

Re: U.S. stocks in freefall

I bought stocks today, hopefully. My plan in my Fidelity 401K was to exchange 20% of my bonds for total stock market when the market falls 10%, then 30% of remaining bonds at market drop of 20%, and the balance at market drop of > 30%). I missed executing this yesterday, so today I submitted an exch...
by ImUrHuckleberry
Wed Feb 07, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5784

Re: What time do you go to work?

Between 6:30 and 7:00 most days although I often also do some work at home around 5:00 before heading in as I sometimes need to communicate with folks in APAC countries before they leave for the evening. We have a big wave come in between 8:00 and 9:00 and then some folks coming in as late as 10:30 ...
by ImUrHuckleberry
Wed Feb 07, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 3018

Re: Getting Rid of Ants in the House?

The absolute best thing for ants is Termidor. It has to be applied by a pro but getting that sprayed on your foundation 2x per year will eliminate all ants. (I think you can buy it online but they won't ship it into certain states unless you have a license.)
by ImUrHuckleberry
Mon Feb 05, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 48438

Re: Today was a Really Bad Day

stocknoob4111 wrote:
Mon Feb 05, 2018 10:02 pm
DOW Futures are down -600 again... [(removed) --admin LadyGeek] This does not appear to be a pullback but a full on crash, perhaps 30-40% we will see...
Or perhaps not, who knows?
by ImUrHuckleberry
Fri Feb 02, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Gold IRA with pretty low costs
Replies: 16
Views: 1579

Re: Gold IRA with pretty low costs

Gold has been a terrible speculation for a loooong time It's actually better in a taxable account because you can deduct the losses... . . What is the benefit to owning gold as an asset I don't like many assets that others might hold, but I don't go around posting negativity in those threads. If yo...