Search found 538 matches

by TheNightsToCome
Thu Jun 04, 2020 9:39 pm
Forum: Investing - Theory, News & General
Topic: Gold vs bonds
Replies: 45
Views: 2203

Re: Gold vs bonds

Let's say that I decide to invest in gold. At what level do I invest? For stocks, I buy the market based on the cap weighted value of each stock, by means of a total US stock fund. So what's the market cap for gold? I remember a WSJ op-ed some years ago (by Stanford economist John Taylor IIRC) on g...
by TheNightsToCome
Wed May 27, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 313
Views: 16520

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

eye.surgeon wrote:
Tue May 26, 2020 10:38 am
I have experienced bullies and cliques throughout my life and it's been helpful to have not been sheltered from them as they don't go away after high school.
Agree
by TheNightsToCome
Mon May 25, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Re: Yahoo Mail Logs Out Repeatedly

I'm in the process of changing to my gmail address on all my accounts. Do you have AT&T? My email was switching back and forth from AT&T to Yahoo log in several times a day, before the constant log in prompt started. Sorry, I'm not very tech savvy. Also, my AT&T email hasn't updated on my phone sin...
by TheNightsToCome
Mon May 25, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Re: Yahoo Mail Logs Out Repeatedly

I hope that the tech-savvy bogleheads can help with a solution to an annoying problem. I log in to my Yahoo email account and check "stay logged in for 2 weeks." In the past, this worked fine. Recently, Yahoo logs me out repeatedly and automatically each day. I've already looked for a solution with...
by TheNightsToCome
Mon May 25, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Re: Yahoo Mail Logs Out Repeatedly

z91 wrote:
Mon May 25, 2020 5:49 pm
What browser? It could be a browser issue as well. I'd try a few to see if that could be the problem, if it is, at least you can home down further on what the issue is. If not, then you'll have to hope Yahoo fixes it one day.
I tried Chrome and Explorer, same result.
by TheNightsToCome
Mon May 25, 2020 5:47 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Re: Yahoo Mail Logs Out Repeatedly

BooBearBoy wrote:
Mon May 25, 2020 1:35 pm
The same thing is happening to me.
That's helpful to know. It must not be something that I did on my desktop then.

After searching for a solution, I found some 9 year old posts from others asking for help with the same problem. Apparently we aren't alone, and we aren't the first.
by TheNightsToCome
Mon May 25, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Re: Yahoo Mail Logs Out Repeatedly

I was a hold out for way too long with Yahoo Mail, I started having issues and finally went to Gmail. I should have done it like 10 years ago. It's not nearly as hard to change long held emails as you think and you can have the Yahoo ones forwarded to your Gmail so you can have a longer transition ...
by TheNightsToCome
Mon May 25, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Re: Yahoo Mail Logs Out Repeatedly

A change in security software (firewall, antivirus, anti-spyware) could be a suspect. If you're using Windows 10, consider using its default Mail app, rather than the ad-riddled mail.yahoo.com I haven't changed the Norton package on my desktop, but perhaps Norton performed a passive update that cau...
by TheNightsToCome
Mon May 25, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Re: Yahoo Mail Logs Out Repeatedly

It's an annoying part of their security. I still use my ancient Yahoo mail account for my "garbage mail" but gmail for regular email. Gmail is so much better. The log in contains the option to "stay logged in for 2 weeks." It just isn't working as it always did in the past. This problem has never o...
by TheNightsToCome
Mon May 25, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: What is the longest period for stock market to lose money?
Replies: 73
Views: 13220

Re: What is the longest period for stock market to lose money?

But I just came across this video & then looked up this topic on the forum here; I had never heard of the total US stock market having no gain over such a long period of time as 25 years, or even 10 or 15 years as well. Real net return, after fees, taxes, & inflation, from your index fund investmen...
by TheNightsToCome
Mon May 25, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Re: Yahoo Mail Logs Out Repeatedly

I always use my desktop, but this was never a problem in the past and I've been using this email address for at least 15 years.
by TheNightsToCome
Mon May 25, 2020 8:10 am
Forum: Investing - Theory, News & General
Topic: Will the US become like Japan?
Replies: 68
Views: 5126

Re: Will the US become like Japan?

Stef wrote:
Mon May 25, 2020 12:49 am
Are there other examples of countries with zero stock returns over long periods of time?
If you are curious, you can look in Triumph of the Optimists, by Dimson, et al. The authors provide stock and bond returns for 16 developed nations over the last century.
by TheNightsToCome
Sun May 24, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Bogleheads.org like site for home and yard improvement / repair?
Replies: 4
Views: 664

Re: Bogleheads.org like site for home and yard improvement / repair?

I'm looking to make some home and yard improvements and would like to post pictures and get feedback on certain things. Is there a good forum for this sort of thing? I did a quick Google search and a lot of them seem inactive. This could be my best bet - https://www.houzz.com/discussions/home-repai...
by TheNightsToCome
Sun May 24, 2020 1:56 pm
Forum: Personal Investments
Topic: $250,000 Debt, High-Income Potential, beginner starting from ZERO
Replies: 37
Views: 4224

Re: $250,000 Debt, High-Income Potential, beginner starting from ZERO

First, do invest in hot showers. Second, I have been accused of being a super saver (in a pejorative sense) by posters on the White Coat Investor site (saved over 88% of income after taxes last year), but I didn't do one minute of moonlighting as an IM resident, and I ran up credit card debt during ...
by TheNightsToCome
Sun May 24, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: What do people spend money on?
Replies: 52
Views: 5009

Re: What do people spend money on?

There have been a couple of similar posts on the forum. They are only nominally about money. The real question is, "How can I be happy?"

I know my answer, my wife's answer, and my father's answer, but the OP will have to determine his answer, and I doubt the internet will be much help.
by TheNightsToCome
Sun May 24, 2020 12:57 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 809

Yahoo Mail Logs Out Repeatedly

I hope that the tech-savvy bogleheads can help with a solution to an annoying problem. I log in to my Yahoo email account and check "stay logged in for 2 weeks." In the past, this worked fine. Recently, Yahoo logs me out repeatedly and automatically each day. I've already looked for a solution with ...
by TheNightsToCome
Sat May 23, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3429

Re: Do you dislike recurring billing for gyms?

I dislike all forms of autopay. I cannot imagine billing without autopay..... have to write out checks and/or logging on a website every month for all of my accounts.... No, the issue isn't with autopay in general. It's with signing up with companies that automatically pull money out from your bank...
by TheNightsToCome
Sat May 23, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Designing a Better Life At Age 40
Replies: 15
Views: 2687

Re: Designing a Better Life At Age 40

I left cardiology at 41 yo due to burnout, and spent the next 2 1/2 years reading accounting and finance texts (because investing was my hobby). I didn't necessarily plan to start an encore career, but took an opportunity to work as a healthcare equity analyst at 44 yo. I earned much less money as a...
by TheNightsToCome
Thu May 21, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3429

Re: Do you dislike recurring billing for gyms?

I'm always concerned that they'll keep billing even after I've terminated membership, and then if I contest the charges, they'll claim that I didn't follow the exact cancellation procedure outlined in the contract. Am I being paranoid here? [/quote] You are not paranoid. This happened to me almost ...
by TheNightsToCome
Wed May 20, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Brother buy a house from another brother
Replies: 8
Views: 811

Re: Brother buy a house from another brother

I purchased a house from my brother with cash. We met at the office of a real estate lawyer and he supervised the closing. Easy peasy.
by TheNightsToCome
Sat May 16, 2020 7:38 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10407

Re: Please tell me I'm not crazy

TLDR: What's your degree of faith in the stock market as a viable investment opportunity – especially over the next 2-5 years? Zero. No money that is intended to be spent within the next 5 years such be in stocks. That includes emergency funds. "No money that is intended to be spent within the next...
by TheNightsToCome
Thu May 14, 2020 6:08 pm
Forum: Investing - Theory, News & General
Topic: Two Percent Inflation - US
Replies: 20
Views: 1911

Re: Two Percent Inflation - US

Warren Buffett had an interesting take on this and investing in Government bonds. He asked why would you invest in something that pays less than 1% when the stated policy of the people who are selling you the bond is to deflate its value by 2% per annum? Yet Warren Buffett is sitting on a mountain ...
by TheNightsToCome
Wed May 13, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9485

Re: Turning 30. Living 30s without regrets

I did many things wrong but I did 3 things I don't regret. 1. Career change from one field to another. You can do this up to 35ish. 2. Started taking health seriously. I lost a lot of weight around 33 after picking up a sport hobby. 3. Travelled a lot for work. Went to Brazil 10x, Asia, Europe, etc...
by TheNightsToCome
Wed May 13, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Is Warren Buffett's investing approach outdated?
Replies: 16
Views: 1409

Re: Is Warren Buffett's investing approach outdated?

There’s a difference between his system being outdated and his scale being to large to implement it. If he left BK and started a side gig with $1B in assets I bet he would have a significant leg up on the market. The more money you have the less opportunities there are to outperform. Jim Simmons ha...
by TheNightsToCome
Wed May 13, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9485

Re: Turning 30. Living 30s without regrets

I would add a few items: Exercise regularly. Find a way to make exercise fun and preferably with a group of friends. Hike, run, weight lift, sports, etc. Get enough sleep. It’s critical to mental and physical health. Eat well. Your metabolism isn’t going to be operating like you remember it. Be min...
by TheNightsToCome
Wed May 13, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9485

Re: Turning 30. Living 30s without regrets

Poorman wrote:
Wed May 13, 2020 5:57 am
HEDGEFUNDIE wrote:
Tue May 12, 2020 9:37 pm
Sounds like you should spend more money.
Not everyone needs to spend more money to be happy.
"Not everyone needs to spend more money to be happy."

Agree. Does next to nothing for me.
by TheNightsToCome
Sun May 10, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job (MD) - need perspective
Replies: 27
Views: 4357

Re: Unhappy with job (MD) - need perspective

I am a young MD during specialty training living in Europe (referred to in the US as residency). The field is internal medicine. They pay is decent, but not great. For comparison, I make a little more than what a teacher at my career stage earns here. Salary will increase steadily over the next yea...
by TheNightsToCome
Sun May 03, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Does Hyundai Elantra Defect Cause Real Danger?
Replies: 11
Views: 830

Re: Does Hyundai Elantra Defect Cause Real Danger?

I found this with a search on Consumer Reports: "To prevent the risk of fire in an unattended vehicle, Hyundai will install a relay that shuts off the module when the vehicle is turned off. But the National Highway Traffic Safety Administration (NHTSA) says that Hyundai has not yet identified why mo...
by TheNightsToCome
Sun May 03, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: Does Hyundai Elantra Defect Cause Real Danger?
Replies: 11
Views: 830

Does Hyundai Elantra Defect Cause Real Danger?

Seeking advice from those in the know. Hyundai has issued this recall: Hyundai Motor America (Hyundai) is recalling certain 2007-2010 Elantra and 2009-2011 Elantra Touring vehicles. On February 21, 2020 Hyundai expanded the recall to include 46,425 model year 2007-2008 Entourage and 2007 Santa Fe ve...
by TheNightsToCome
Sun Apr 26, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5666

Re: Toyota vs. Kia Quality & Longevity

Perhaps more of a differentiator are Kia dealerships who traditionally have catered to people with bad credit and other financial bottom feeders. Even though that is changing, prepare to be treated as such at a Kia dealership on the showroom floor and in service departments if that matters to you. ...
by TheNightsToCome
Sun Apr 26, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6978

Re: Go or no go on Carnival cruise

We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts? Seriously? I would never go one a cruise before, now? Not if it were free. Not if I was pai...
by TheNightsToCome
Sun Apr 26, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 173
Views: 18767

Re: Anyone planning on never retiring?

Any Boglehead physicians out there who feel as the OP does, meaning never want to retire? I enjoy my work but learned long ago that the benefits of a career in medicine diminish sharply with longer hours. Agree. If there is no call, and if patients are scheduled with adequate time between appointme...
by TheNightsToCome
Sun Apr 19, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 625
Views: 32903

Re: What are you listening to now

Nicolas wrote:
Wed Jan 22, 2020 11:33 am
The Sky Is Crying — Elmore James
https://youtu.be/S788gj9vdp0
Wow. That is nice.
by TheNightsToCome
Sun Apr 05, 2020 10:19 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16355

Re: What percentage of your paycheck do you invest?

My family puts 10% of each paycheck into our investment accounts. We are looking to increase this to 15% moving forward. How about all of you? Same as you: 10-15% of base pay. I’m all over the map with what I do with my annual bonus. I’ll bet you guy were not expecting the kind of answers your gett...
by TheNightsToCome
Sun Apr 05, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: tenancy by entirety for bank account?
Replies: 14
Views: 2273

Re: tenancy by entirety for bank account?

dardeninvestor wrote:
Sun Apr 05, 2020 6:18 pm
TheNightsToCome wrote:
Sun Apr 05, 2020 6:13 pm
Fifth Third Bank allowed me to title our accounts as TBE.
At a high yield savings rate like Amex or Marcus?
No. Interest rate is low (pitiful, actually).
by TheNightsToCome
Sun Apr 05, 2020 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: tenancy by entirety for bank account?
Replies: 14
Views: 2273

Re: tenancy by entirety for bank account?

Fifth Third Bank allowed me to title our accounts as TBE.
by TheNightsToCome
Sun Apr 05, 2020 5:51 pm
Forum: Personal Investments
Topic: Selling Treasury Bonds at Fidelity and Schwab
Replies: 0
Views: 126

Selling Treasury Bonds at Fidelity and Schwab

I purchased 30-year Treasury bonds (at auction) at around 2013 when yields were around 4% to 4.7%. I may want to sell some of them soon. These are at Fidelity and Schwab. Does anyone have experience selling LT treasury bonds at Fidelity and/or Schwab? How much of a haircut did you take after any dea...
by TheNightsToCome
Sun Apr 05, 2020 4:10 pm
Forum: Investing - Theory, News & General
Topic: If I were a retiree right now....
Replies: 81
Views: 10728

Re: If I were a retiree right now....

I would be 50% cash and 50% inflation-protected assets. By inflation protected assets, I'm assuming you're talking I bonds or the like. In that case, why wouldn't you be close to 0% cash and the rest in inflation protected assets? Depends....will inflation protected assets decline in value in a def...
by TheNightsToCome
Fri Apr 03, 2020 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lifespan assumptions and personal finance
Replies: 31
Views: 1794

Re: Lifespan assumptions and personal finance

I don't life expectancy is going to change much in the next 10-20 years, unless they do figure out something *big*. i.e. a universal cancer cure, or a cure for Alzheimers, etc. In this country at least, we do have some trends increasing it; infant mortality is low, we've done away with lead in the ...
by TheNightsToCome
Fri Apr 03, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Lifespan assumptions and personal finance
Replies: 31
Views: 1794

Re: Lifespan assumptions and personal finance

Sandtrap wrote:
Fri Apr 03, 2020 4:41 pm
One's "expiration date" or "use by" date cannot be changed nor anticipated.

j :happy
It can be changed, through lifestyle modifications and/or meds, depending on the individual.
by TheNightsToCome
Fri Apr 03, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5814

Re: How are you exercising with gym closures

Hey Bogleheads, now that gyms are closed due to the ongoing Covid19 pandemic, how are you staying in shape? Before gym closures I was going to the gym 3 times a week. I got a good workout and enjoyed the social interactions. I love to run, should I be concerned about running outside? I am Intereste...
by TheNightsToCome
Mon Mar 30, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: Are Japan like "lost decades" possible in US and world stock market?
Replies: 82
Views: 8254

Re: Are Japan like "lost decades" possible in US and world stock market?

Vision wrote:
Wed Mar 04, 2020 3:51 am
Are Japan like "lost decades" possible in US and world stock market?

Yes

If US keeps inventing new technologies does this prevent a lost decade phenomena?

No

If no, then what has to occur for lost decades to take place?
by TheNightsToCome
Sun Mar 29, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6574

Re: What's worth paying more for?

I purchased a few Armani dress shirts about 15 years ago when they were $195 each. While they were the nicest shirts I ever owned, I didn't think they were worth the premium. The next time I looked the price was $295 per shirt. Allen Edmonds shoes probably are worth the premium. If I needed a pair t...
by TheNightsToCome
Sat Mar 28, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Any ex-lawyers here?
Replies: 44
Views: 3784

Re: Any ex-lawyers here?

I'm interested in learning and hearing more about the stories of lawyers and ex-lawyers here on bogleheads. I did the whole t14 law school -> big law (2.5 years) -> in-house (so far 2 months) path as a corporate lawyer and I have to admit that I don't find my job very enjoyable. I've given some tho...
by TheNightsToCome
Sat Mar 28, 2020 9:14 am
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 252
Views: 16640

Re: Gold $1600 Oz - When?

LBMA Precious Metals Prices 09-Mar-2020-------Gold AM 1677 PM 1673-------Silver 16.89 10-Mar-2020-------Gold AM 1657 PM 1656-------Silver 17.07 11-Mar-2020-------Gold AM 1663 PM 1654-------Silver 17.02 12-Mar-2020-------Gold AM 1637 PM 1571-------Silver 16.53 13-Mar-2020-------Gold AM 1588 PM 1563-...
by TheNightsToCome
Sat Mar 21, 2020 12:36 pm
Forum: Investing - Theory, News & General
Topic: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?
Replies: 112
Views: 8977

Re: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?

I am not trying to suggest that things were worse and that we should expect to do better today. Why not? It seems like things were objectively worse by every metric. Why can't you make that suggestion? Isn't it objectively clear? I don't know what you mean by "objectively worse." I assume you mean ...
by TheNightsToCome
Sat Mar 21, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?
Replies: 112
Views: 8977

Re: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?

Nassim Nicholas Taleb has made the point that by definition, the worst case is always worse than anything that had ever happened before. I have no idea how deep the decline will be. I am perfectly open to the idea that it could be--I say could --be deeper than 2008-2009 and possibly deeper than 192...
by TheNightsToCome
Tue Mar 17, 2020 7:29 pm
Forum: Investing - Theory, News & General
Topic: Charting the carnage. Price drops Jan 1 - Mar 17
Replies: 19
Views: 1507

Re: Charting the carnage. Price drops Jan 1 - Mar 17

willthrill81 wrote:
Tue Mar 17, 2020 6:22 pm
watchnerd wrote:
Tue Mar 17, 2020 6:12 pm
Mine, YTD:

VT: -25%
VTIP: -6%
VMMXX (cash): 0.27%
VGLT: +12%
M* is showing VGLT as being up 19.63% YTD.
Looks like 19.88% by NAV, but 13.14 by price: https://www.morningstar.com/etfs/xnas/vglt/performance
by TheNightsToCome
Tue Mar 17, 2020 7:22 pm
Forum: Investing - Theory, News & General
Topic: TLH partner for VTI and SPY?
Replies: 1
Views: 137

TLH partner for VTI and SPY?

I'm planning to sell VTI and SPY for tax loss. After brief search it looks like SCHB or ITOT might be good partners. According to Morningstar, SCHB tracks the Dow Jones US Broad Stock Market Index, and ITOT tracks S&P US Total Market Index, while VTI tracks the CRSP US Total Market Index. SCHB and I...