Search found 234 matches

by ImUrHuckleberry
Fri Feb 21, 2020 10:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

I hate it when people post on here that they hope the stock market will decline so they can buy on the cheap. The only reason any of us are investing is because we hope that the market will continue to go up. I rejoice every day that the S&P 500 goes up, and I am sad every day that it goes down. I ...
by ImUrHuckleberry
Fri Feb 21, 2020 11:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

The market really seems resilient. Every time it looks like there might be a (let's face it, minor not free) fall, it seems to bounce right back.
by ImUrHuckleberry
Sat Feb 08, 2020 9:18 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 211
Views: 16633

Re: Coronavirus and the market

https://in.finance.yahoo.com/news/china ... 49423.html

China blocks plan to restart factories due to coronavirus threat.
by ImUrHuckleberry
Sun Feb 02, 2020 10:37 pm
Forum: Investing - Theory, News & General
Topic: Chinese stocks will plunge on Monday?
Replies: 151
Views: 8782

Re: Chinese stocks will plunge on Monday?

Maybe this is a dumb question, but if the value of the ETF is set by the price of the underlying stocks, how could the ETF have dropped last week when the market the stocks trade in was closed? Not a dumb question - it reveals how ETFs actually work. The price of an ETF is strictly set by the numbe...
by ImUrHuckleberry
Sun Feb 02, 2020 10:21 pm
Forum: Investing - Theory, News & General
Topic: Chinese stocks will plunge on Monday?
Replies: 151
Views: 8782

Re: Chinese stocks will plunge on Monday?

guyinlaw wrote:
Sun Feb 02, 2020 10:11 pm
During the time Chinese markets were closed the Chinese ETFs dropped by around 6.9%..
Maybe this is a dumb question, but if the value of the ETF is set by the price of the underlying stocks, how could the ETF have dropped last week when the market the stocks trade in was closed?
by ImUrHuckleberry
Sun Feb 02, 2020 11:41 am
Forum: Investing - Theory, News & General
Topic: Chinese stocks will plunge on Monday?
Replies: 151
Views: 8782

Re: Chinese stocks will plunge on Monday?

The financial pundits always seek a single explanation for market downturns. But I don't totally buy the market plunges, especially in the US, are caused by the virus. In China, yes, it is a human and economic crisis, so the plunge is perhaps rational.. But could it be the US plunge is caused by a ...
by ImUrHuckleberry
Fri Jan 31, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

I'm watching this virus thing very closely but have no intention to change anything with my investments based on it.
by ImUrHuckleberry
Fri Jan 31, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

The funny thing is the corona virus is less dangerous compared to the regular flu. I don't think the virus has been characterized well enough to say that at this point. If it has, I'd appreciate the source of that info, thanks. https://www.ccn.com/relax-coronavirus-is-less-dangerous-than-the-flu-sa...
by ImUrHuckleberry
Mon Jan 27, 2020 6:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

I think this virus is going to cause at least a 20% drop. doubt it, the previous virus scares have not affected the markets much, however earnings and the Fed are wildcards this week! The previous virus scares all got contained and petered out. We'll know a lot more about how this one will play out...
by ImUrHuckleberry
Mon Jan 27, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

Yes sorry I didn't mention without a vaccine Estimate of 61,000 deaths in US alone in 2017-18. That's some vaccine. Nobody knows how this will play out, but this thing has the potential to kill millions of people. Especially if it's true that it's contagious prior to exhibiting symptoms. Countries ...
by ImUrHuckleberry
Fri Jan 17, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 9580

Re: Daycare Provider Wants to Charge $20/week for Receipt

smitcat wrote:
Fri Jan 17, 2020 11:27 am
ImUrHuckleberry wrote:
Fri Jan 17, 2020 10:38 am
@ smitcat

You wanted a location that allowed this, and you've been provided with several. I'm not sure why we're even arguing about it, so I'll step out of the conversation now.
Yes - thank you . The chart in your link designates 2 person minimum.
I didn't provide a link.
by ImUrHuckleberry
Fri Jan 17, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 9580

Re: Daycare Provider Wants to Charge $20/week for Receipt

@ smitcat

You wanted a location that allowed this, and you've been provided with several. I'm not sure why we're even arguing about it, so I'll step out of the conversation now.
by ImUrHuckleberry
Fri Jan 17, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 9580

Re: Daycare Provider Wants to Charge $20/week for Receipt

Cannot be a one person operation, perhaps two or more but not one. Childcare laws are set at the State or local level and in some states certain providers are exempt from the licensing regulations altogether. You can't assume your local regulations apply to the entire country, because they certainl...
by ImUrHuckleberry
Fri Jan 17, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 9580

Re: Daycare Provider Wants to Charge $20/week for Receipt

Cannot be a one person operation, perhaps two or more but not one. Childcare laws are set at the State or local level and in some states certain providers are exempt from the licensing regulations altogether. You can't assume your local regulations apply to the entire country, because they certainl...
by ImUrHuckleberry
Wed Jan 15, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 9580

Re: Daycare Provider Wants to Charge $20/week for Receipt

At the end of the day you need to provide the SSN or EIN of the provider. If the provider gives you this the FSA administrator can probably accept some form from you, probably an affidavit type firm that they provide. Check with the administrator. If they do not give you the SSN or EiN, then the IR...
by ImUrHuckleberry
Sat Jan 04, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Do Home Prices Really Drop During a Recession, or was 2009 a Fluke?
Replies: 42
Views: 3087

Re: Do Home Prices Really Drop During a Recession, or was 2009 a Fluke?

One category of housing that I think does reliably drop during recessions is vacation property. Beach houses, lake houses, condos at ski resorts, etc. I only have my own anecdotal observations that these types of properties seem to go on firesale during recessions, but if there was some way to get r...
by ImUrHuckleberry
Fri Jan 03, 2020 12:08 pm
Forum: Investing - Theory, News & General
Topic: Shiller: Homeownership is a bad investment
Replies: 480
Views: 64245

Re: Shiller: Homeownership is a bad investment

I believe that my mortgage when we bought was about the same cost as renting a similar sized house or condo. Within a few years, it was cheaper. Now it is significantly cheaper. So the idea of "investing the difference" would never have been an option for us, other than investing the down payment. N...
by ImUrHuckleberry
Thu Jan 02, 2020 7:39 pm
Forum: Investing - Theory, News & General
Topic: Shiller: Homeownership is a bad investment
Replies: 480
Views: 64245

Re: Re:

Renting an apartment is always a financially better decision than owning a house. That's why homeownership is 100% a lifestyle decision, not a financial one. I don't know why homeownership advocates always insist on comparing "apples to apples." Newsflash: YOU DON'T HAVE TO LIVE IN A HOUSE. If you'...
by ImUrHuckleberry
Thu Jan 02, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: Shiller: Homeownership is a bad investment
Replies: 480
Views: 64245

Re: Re:

Renting an apartment is always a financially better decision than owning a house. That's why homeownership is 100% a lifestyle decision, not a financial one. I don't know why homeownership advocates always insist on comparing "apples to apples." Newsflash: YOU DON'T HAVE TO LIVE IN A HOUSE. If you'...
by ImUrHuckleberry
Thu Jan 02, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeded 403b By Tiny Amount
Replies: 13
Views: 1119

Re: Exceeded 403b By Tiny Amount

The advice I'm getting is that since the $280 is correctly shown in her 2018 W2 Box 12 as part of the sum of her 2018 403b elective deferrals, we can safely ignore whatever the broker statement says about total 2018/2019 contributions. They did deposit the extra $0.02 on her last paycheck of 2019, s...
by ImUrHuckleberry
Wed Jan 01, 2020 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1416
Views: 371599

Re: Share your net worth progression

Year ending rounded to nearest $5k: 2013 - $210,000 2014 - $145,000 2015 - $90,000 2016 - $120,000 2017 - $185,000 2018 - $260,000 2019 - $395,000 I got laid off in July 2013 and didn't go back to work until January, 2016. We are extremely fortunate to have recovered from what was almost a complete...
by ImUrHuckleberry
Wed Dec 25, 2019 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeded 403b By Tiny Amount
Replies: 13
Views: 1119

Re: Exceeded 403b By Tiny Amount

But I did notice a potential further problem: the last payroll contribution from 2018 ($280) didn't post until Jan 3rd, 2019. That means if this last contribution posts in full in 2019 she will exceed the limit by $280.02. (In other words, her pay stub says $19,000.02 contributed in 2019, but the b...
by ImUrHuckleberry
Wed Dec 25, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeded 403b By Tiny Amount
Replies: 13
Views: 1119

Re: Exceeded 403b By Tiny Amount

My guess is the last $280 from 2018 should have been coded at the brokerage as a 2018 contribution even though it posted in 2019. Since this is Security Benefit, we'll probably spend 6 months fixing it. :oops:
by ImUrHuckleberry
Wed Dec 25, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeded 403b By Tiny Amount
Replies: 13
Views: 1119

Re: Exceeded 403b By Tiny Amount

Well, the HR is my wife and she says she has nothing to do with how this is handled. That it's payroll. But anyway, they are all off until after the New Year. (School system)
by ImUrHuckleberry
Wed Dec 25, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeded 403b By Tiny Amount
Replies: 13
Views: 1119

Re: Exceeded 403b By Tiny Amount

Ok, so I just logged into the brokerage account and the last contribution hasn't posted yet, so I don't yet know what will happen. But I did notice a potential further problem: the last payroll contribution from 2018 ($280) didn't post until Jan 3rd, 2019. That means if this last contribution posts ...
by ImUrHuckleberry
Wed Dec 25, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeded 403b By Tiny Amount
Replies: 13
Views: 1119

Re: Exceeded 403b By Tiny Amount

I'll check on exactly where it went once I have access to the machine I use for financial transactions. I was just assuming it went into the account we set up for her 403b deposits.
by ImUrHuckleberry
Wed Dec 25, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeded 403b By Tiny Amount
Replies: 13
Views: 1119

Exceeded 403b By Tiny Amount

Last year my wife set her payroll contribution to her 403b to hit $19000.02 and set a $19,000 cap. We thought this meant the last contribution would be $0.02 less so as not to exceed the cap. (Otherwise, what is the cap value for?) Anyway, all $19,000.02 was contributed. Should we bother doing anyth...
by ImUrHuckleberry
Wed Dec 25, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1416
Views: 371599

Re: Share your net worth progression

Year ending rounded to nearest $5k: 2013 - $210,000 2014 - $145,000 2015 - $90,000 2016 - $120,000 2017 - $185,000 2018 - $260,000 2019 - $395,000 I got laid off in July 2013 and didn't go back to work until January, 2016. We are extremely fortunate to have recovered from what was almost a complete ...
by ImUrHuckleberry
Tue Dec 24, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 79
Views: 5396

Re: What NON-frugal thing did you do today?

Spent way too much on wine. But this has been an ongoing problem all year. :(
by ImUrHuckleberry
Sun Sep 01, 2019 7:50 pm
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 12771

Re: Learnings/Regrets from last two recessions

2001 I made it through on autopilot without changing anything or even being worried in the slightest. 2008 I also made it through without changing anything, but I remember being really nervous and worrying about things. In both cases I was about 80:20 stocks/bonds.
by ImUrHuckleberry
Sun Aug 25, 2019 8:38 am
Forum: Investing - Theory, News & General
Topic: Anybody else's Fidelity accounts zeroed out?
Replies: 44
Views: 5174

Re: Anybody else's Fidelity accounts zeroed out?

Shouldn't this thread be locked right away just like the Vanguard ones? (I jest, sort of.)
by ImUrHuckleberry
Wed Aug 21, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 18180

Re: White collars- How much is your work downtime?

Less than 5% downtime. I'm lucky if I can even take a lunch break most days.
by ImUrHuckleberry
Sat Aug 17, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 5149

Re: Brown Bag Lunch Ideas

What do you mean? People heat curry (and popcorn for that matter) all the time at work and I don't believe anyone has a problem with it and I'm struggling to understand why anyone would. If someone heated up curry at work, the aroma would make me ravenously hungry :D Do you bring enough for everyon...
by ImUrHuckleberry
Sat Aug 17, 2019 6:44 am
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 5149

Re: Brown Bag Lunch Ideas

I dislike sandwiches and hate eating them. What I personally do on days I bring my own lunch (and even dinner) is I bring curries. I have one of those multi-tiered stainless steel lunchboxes (you can try Zojirushi lunch jars on Amazon to see what I mean). Curries are great because the food doesn't ...
by ImUrHuckleberry
Thu Aug 15, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 5149

Re: Brown Bag Lunch Ideas

Hummus, pita bread and kalamata olives Tabouli, pita bread and kalamata olives Avocado salsa with pita bread Shrimp (or other protein) with spiraled zucchini or summer squash. You can use red or white sauce or even pesto and eat it cold. All kinds of leftovers from dinner if you have a microwave at ...
by ImUrHuckleberry
Wed Aug 07, 2019 2:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

Looks like the world will have to end on a different trading day.
by ImUrHuckleberry
Wed Aug 07, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

In any case, so many warning lights are flashing red it's hard to know where to start. Buckle up! I'll get my popcorn ready. Stock market has been pretty much flat most of my career, so I really need a big dip and recovery to get some gains beyond my own contributions. Has your entire career lasted...
by ImUrHuckleberry
Wed Aug 07, 2019 11:41 am
Forum: Investing - Theory, News & General
Topic: Why buy sovereign bonds with a negative yield?
Replies: 94
Views: 7296

Re: Why buy sovereign bonds with a negitave yeald?

well, an individual investor shouldn't.. I disagree, see my edit above. An individual can easily have $300,000 in bonds in their portfolio. You're going to put that in a safety deposit box? Really? I simply don't believe that. Why can't you just keep your $300,000 in cash at the bank electronically...
by ImUrHuckleberry
Wed Aug 07, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: Why buy sovereign bonds with a negative yield?
Replies: 94
Views: 7296

Re: Why buy sovereign bonds with a negitave yeald?

well, an individual investor shouldn't.. I disagree, see my edit above. An individual can easily have $300,000 in bonds in their portfolio. You're going to put that in a safety deposit box? Really? I simply don't believe that. Why can't you just keep your $300,000 in cash at the bank electronically...
by ImUrHuckleberry
Wed Aug 07, 2019 9:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

Dow is down only just over 200 now; barely a flesh wound.
by ImUrHuckleberry
Wed Aug 07, 2019 9:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

Man came down from Chicago
He gonna set that levee right
He says, "it needs to be at least three feet higher
It won't make it through the night"

But the old man down in the Quarter
He said "don't you listen to that boy
The water be down by the morning
And he'll be back to Illinois"
by ImUrHuckleberry
Wed Aug 07, 2019 8:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

And we're off and falling. Seems like a lot of lay people are very scared so this could be a big one if some of the weak hands start folding.
by ImUrHuckleberry
Wed Aug 07, 2019 7:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

“Mr. Market” was coined in a classic allegory by Benjamin Graham in his 1949 book “The Intelligent Investor”: 1949 was so politically incorrect. Person market futures just threw a hissy fit because of the rate cuts going on around the world. It may be time to invest in freeze dried food and shotgun...
by ImUrHuckleberry
Sun Jul 07, 2019 9:59 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 5622

Re: John Bogle says investors don't need to own international stocks​

Not sure why anyone is pointing out recent returns as some kind of gotcha that 0 international is the correct decision. Seems to fly in the face of a basic tenet of bogleheadism.
by ImUrHuckleberry
Sun Jul 07, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Revised Budget Check
Replies: 15
Views: 1205

Re: Revised Budget Check

Are you saving to replace automobiles when the time comes?
by ImUrHuckleberry
Fri Jul 05, 2019 6:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13311
Views: 2248022

Re: U.S. stocks in free fall

CoastalWinds wrote:
Fri Jul 05, 2019 5:02 pm
S&P off 0.18%. How is that a cliff??!
Think about it, El Capitan doesn't look like a cliff from space. You just have to zoom in closer.
by ImUrHuckleberry
Fri Jul 05, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 9590

Re: Would we regret buying a 2nd home?

My DW and I would be far more tempted to own a motorhome as a second home. We're thinking about buying one at least for the first few years of retirement. Mobility matters a lot more to us than space; today's motorhomes can be just as luxurious as any fixed structure. We're thinking of buying a tra...
by ImUrHuckleberry
Fri Jul 05, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 6514

Re: 50-60k boat purchase??

Watty wrote:
Fri Jul 05, 2019 2:43 pm
As long as you can pay cash for it I don't see any problem with it.

My only concern would be that you might also need an expensive bigger truck to tow it with so be sure to figure that out in your plans.
He lives on a lake. I'm guessing he doesn't tow it anywhere.
by ImUrHuckleberry
Fri Jul 05, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 16118

Re: Staying the course is so hard (support thread)

I'd sell the 2,400-sf house and buy a 1,200-sf house and try to retire in eight years. My daughter just finished her first year of college and has spent exactly three nights with us this summer. Honestly, I thought about this. The rental house I almost bought was like 1600 sqft, all new, beautiful,...