Search found 291 matches

by MiddleOfTheRoad
Mon May 18, 2020 12:41 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to poor life decision affecting job
Replies: 28
Views: 3185

Re: How to respond to poor life decision affecting job

We all have regrets. Be glad you gave it a go even if it did not work out. You can’t change the past, and although hard, see if you can accept it and move on. You can only control what you can control now so make the best of it. Hang in there! I wish you all the best and it will work out.
by MiddleOfTheRoad
Thu May 14, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Strange Ethernet Issue
Replies: 29
Views: 1578

Re: Strange Ethernet Issue

My anecdote:
I had one cat6 outlet that had a loose wire/pin connection. It messed up every single mesh/wired back haul system I tried. Internet dropped constantly. I re-terminated that outlet and everything is rock stable.
by MiddleOfTheRoad
Wed May 13, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10744

Re: Dentist charges $10 for PPE

This thread show some unbelievable people. If you are anchoring your cost of everything to pre-pandemic time then you can choose to stay away from all services unless they are absolutely necessary. But I guarantee you will be forced to pay it somehow (taxes, inflation, hidden fee, reduced salaries f...
by MiddleOfTheRoad
Thu May 07, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

I just finished watching the WWII documentary on Netflix yesterday . To even think Japan and Germany and the world have any meaningful recovery after that level of destruction within a couple of decades is mind boggling. The current crisis is bad, but nothing compare to back then. Don’t bet against...
by MiddleOfTheRoad
Thu Apr 30, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

The main goalpost should be 2934.49 which is a 61.8% Fibonacci retracement. We’ve been around these levels for a few weeks and yet to push past that level. 9AM 4/29/2020 - 2937. “Fibonacci level” conquered. Back under :mrgreen: I'm actually surprised the market is down today, given AH increases yes...
by MiddleOfTheRoad
Thu Apr 30, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

Will be a complete disaster for the bulls if they can't pump this up and close above 2,900! Moving the goalpost much? The main goalpost should be 2934.49 which is a 61.8% Fibonacci retracement. We’ve been around these levels for a few weeks and yet to push past that level. 9AM 4/29/2020 - 2937. “Fi...
by MiddleOfTheRoad
Wed Apr 29, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

I just finished watching the WWII documentary on Netflix yesterday . To even think Japan and Germany and the world have any meaningful recovery after that level of destruction within a couple of decades is mind boggling. The current crisis is bad, but nothing compare to back then. Don’t bet against...
by MiddleOfTheRoad
Wed Apr 29, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

I just finished watching the WWII documentary on Netflix yesterday . To even think Japan and Germany and the world have any meaningful recovery after that level of destruction within a couple of decades is mind boggling. The current crisis is bad, but nothing compare to back then. Don’t bet against...
by MiddleOfTheRoad
Wed Apr 29, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7325

Re: Mesh Wifi

Has anyone used Mesh successfully with gigabit internet? Wondering which hardware pushes through the fastest possible download bandwidth. I tried Orbi, velop, and Google wifi about a year ago. Orbi is faster by a good margin. On wifi we got 500-600 Mbps on the orbi all around the house AND in the b...
by MiddleOfTheRoad
Wed Apr 29, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe
Replies: 162
Views: 10088

Re: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe

I don't think Pfau ever believed the 4% rule was safe did he? He said that the Rule might have worked 90% to 95% of the time when interest rates were in the 5-6% range - that is, historical data. Now he thinks a 4% rule might work 60-70% of the time with current interest rates. He thinks that a “3%...
by MiddleOfTheRoad
Wed Apr 29, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

Will be a complete disaster for the bulls if they can't pump this up and close above 2,900! Moving the goalpost much? The main goalpost should be 2934.49 which is a 61.8% Fibonacci retracement. We’ve been around these levels for a few weeks and yet to push past that level. 9AM 4/29/2020 - 2937. “Fi...
by MiddleOfTheRoad
Wed Apr 29, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

I just finished watching the WWII documentary on Netflix yesterday. To even think Japan and Germany and the world have any meaningful recovery after that level of destruction within a couple of decades is mind boggling. The current crisis is bad, but nothing compare to back then. Don’t bet against h...
by MiddleOfTheRoad
Tue Apr 28, 2020 10:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

Will be a complete disaster for the bulls if they can't pump this up and close above 2,900! Moving the goalpost much? The main goalpost should be 2934.49 which is a 61.8% Fibonacci retracement. We’ve been around these levels for a few weeks and yet to push past that level. So there is a main goalpo...
by MiddleOfTheRoad
Tue Apr 28, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

Forester wrote:
Tue Apr 28, 2020 6:39 am
Will be a complete disaster for the bulls if they can't pump this up and close above 2,900!
Moving the goalpost much?
by MiddleOfTheRoad
Tue Apr 28, 2020 9:54 am
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 2859

Re: What is a Boglehead? Some Fun.

My take:
Control what you can control. Don’t try to control what you cannot control.
by MiddleOfTheRoad
Sun Apr 26, 2020 10:02 pm
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 19818

Re: Why am I even saving for retirement?

And the weird thing is, it makes my life feel less meaningful. i.e.I'm not working for that big goal anymore, I'm just passing the time til I'm old enough to stop. This. It requires one to reorient one’s life. Having read your position on mortgages... may be to reorient your goal to pay down the mo...
by MiddleOfTheRoad
Thu Apr 23, 2020 9:02 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio Predicts
Replies: 28
Views: 3514

Re: Ray Dalio Predicts

Can you make an argument against those points of massive debt, low interest rates, and qe and rule out the downside risk of all of that and for an economy that isn’t fair? It doesn’t mean that we are going to see negative real returns but it concerns me that maybe we cut our future expected growth....
by MiddleOfTheRoad
Sat Apr 18, 2020 9:53 am
Forum: Personal Investments
Topic: Combining Investments with Actuarial Science
Replies: 26
Views: 1733

Re: Combining Investments with Actuarial Science

We occasionally discuss using term life insurance early in life and then single premium immediate annuities during retirement. For SPIAs, try searching this forum and the Internet for articles by Wade Pfau. This combines investing with actuarial science. You do not have a financial advisor. You hav...
by MiddleOfTheRoad
Tue Apr 14, 2020 10:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

If the market was rational, we all could.have timed the market and the whole booglehead philosphy would not exist. We are all hear, because we acknowledge that market is irrational , and therefore unpredictable. So when the market moves in an unpredictable/ irratuonal fashion, it should not.be news...
by MiddleOfTheRoad
Tue Apr 14, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

If the market was rational, we all could.have timed the market and the whole booglehead philosphy would not exist. We are all hear, because we acknowledge that market is irrational , and therefore unpredictable. So when the market moves in an unpredictable/ irratuonal fashion, it should not.be news...
by MiddleOfTheRoad
Fri Apr 10, 2020 1:11 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4551

Re: What if one rebalanced on March 16, the RBD?

What if one moved to SPXU at the high then UPRO on March 16th? Unless you could see the future this is a strange exercise to run through. Your “method” would require seeing the future. What livesoft is doing here is reactive based on pre-existing rules, not predictive. I disagree. Livesoft calculat...
by MiddleOfTheRoad
Fri Apr 10, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4551

Re: What if one rebalanced on March 16, the RBD?

I don’t get all the hate. The market is very efficient during “normal” time so I stick to Buy/Hold/asset allocation principles. But during “bad/volatile” times the market is very inefficient and you can take advantage of it. If you are a Boglehead and holding tight because you believe that it will e...
by MiddleOfTheRoad
Fri Apr 10, 2020 10:57 am
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4551

Re: What if one rebalanced on March 16, the RBD?

^Not only was March 16 an RBD, but so was March 18, so after losing money on the March 16th buys, I had to buy more on March 18. Then more money lost on March 20 and March 23 which were not RBDs. Yes. It was hard pulling the trigger during that week. What I find harder is to buy on the way up. But ...
by MiddleOfTheRoad
Fri Apr 10, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4551

Re: What if one rebalanced on March 16, the RBD?

I quoted Ben Carlson on March 1st (you can verify in my post history) “ Every investor is told to buy low and sell high. But most don’t realize that buy low typically works out to buy low, then buy lower, then buy even lower, and once you really hate yourself, buy lower than you thought was possible...
by MiddleOfTheRoad
Fri Apr 10, 2020 10:39 am
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4551

Re: What if one rebalanced on March 16, the RBD?

MotoTrojan wrote:
Fri Apr 10, 2020 10:31 am
What if one moved to SPXU at the high then UPRO on March 16th? Unless you could see the future this is a strange exercise to run through.
Your “method” would require seeing the future. What livesoft is doing here is reactive based on pre-existing rules, not predictive.
by MiddleOfTheRoad
Fri Apr 10, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4551

Re: What if one rebalanced on March 16, the RBD?

Some folks wanted some data to look at, so here it is. I assume that anyone reading this knows the fund names of the ticker symbols. Suppose one had a 3-fund portfolio consisting of VTSAX, VTIAX, and VBTLX in the ratio 36:24:40 which is kinda close the VSMGX ratio for US:foreign:bonds, but note tha...
by MiddleOfTheRoad
Tue Apr 07, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: How would you handle this doctor billing issue?
Replies: 22
Views: 1547

Re: How would you handle this doctor billing issue?

This probably has to do with the “virtual visit”. Currently it is up in the air if insurance cover this fully, partially or not at all. Even if you meet the deductible if insurance is not covering then they have to go after you, so they rather just collect it upfront. Your doctor may have a rate tha...
by MiddleOfTheRoad
Tue Apr 07, 2020 1:09 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72245

Re: Bogleheads community discussion - Coronavirus

What area of the article is "misleading," i.e., where does it say they are going by the death certificate to count Covid-10 deaths? The quoted last two paragraphs. You can easily draw the wrong conclusion reading those last two quoted paragraphs. The entire article is about possibly missing deaths ...
by MiddleOfTheRoad
Tue Apr 07, 2020 11:42 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72245

Re: Bogleheads community discussion - Coronavirus

Misleading. Covid-19 is a public health reportable disease, so when there is a positive test you have to call your local public health agency. They don’t go by the death certificate to count covid-19 deaths. Thank you I was going to say "fake news" but... What area of the article is "misleading," i...
by MiddleOfTheRoad
Tue Apr 07, 2020 11:12 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296660

Re: Coronavirus and the market

So with the new ways of dealing with downmarket from Fed/Govt of pumping trillions of dollars into the economy every time it crashes, are the days of the market going down -50% type of planning gone? In that case, I don't think I will see > -50% down market in my lifetime then (Index funds and not ...
by MiddleOfTheRoad
Tue Apr 07, 2020 10:10 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296660

Re: Coronavirus and the market

Curious why you think the hope is unfounded. Even though everyone knows that the pain we are going through is temporary, there has been lots of uncertainty as to how long temporary is. Markets hate uncertainty. The shorter the shutdowns, the less chance of permanent damage to the economy. In the pa...
by MiddleOfTheRoad
Tue Apr 07, 2020 10:08 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72245

Re: Bogleheads community discussion - Coronavirus

Anyone who dies and tests positive for the virus is counted as a virus death. Warren County Man Who Took Fatal Fall Also Tested Positive For Coronavirus, ... New York Times article from yesterday --- Official Counts Understate the U.S. Coronavirus Death Toll WASHINGTON — A coroner in Indiana wanted...
by MiddleOfTheRoad
Tue Apr 07, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296660

Re: Coronavirus and the market

Seems like a -50% possible drawdown doesn't hold true anymore with the Fed. Maybe I should be more aggressive with my AA. There's rampant hope in the markets right now. I hope that it isn't unfounded, but I'm afraid that much of it is. Curious why you think the hope is unfounded. Even though everyo...
by MiddleOfTheRoad
Tue Apr 07, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5577
Views: 478088

Re: U.S. stocks continue to soar!

The vaccine, if there is ever one is about a year off. Do you think people are going to risk their lives sitting together in restaurants and bars and concerts until then? Do you think people are going to pack into planes and buses and movie theatres? Do you think it's just going to be life as usual...
by MiddleOfTheRoad
Mon Apr 06, 2020 5:53 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72245

Re: Bogleheads community discussion - Coronavirus

:?: How is it that they can report the exact number of Coronavirus deaths in the World and in the U.S., but for the flu there is such a wide range? There is no uncertainty in the coronavirus statistics? The statistics are known exactly? Anyone who dies and tests positive for the virus is counted as...
by MiddleOfTheRoad
Sun Apr 05, 2020 9:45 pm
Forum: Investing - Theory, News & General
Topic: Dow Futures Up Again?
Replies: 131
Views: 8179

Re: Dow Futures Up Again?

We don't need to restart the entire economy. Based on Morningstar, only 15% of GDP is idle. Essential services make up 70% of GDP and half of the nonessential businesses are able to continue with employees working remotely. And $2 trillion goes a long way to help the unemployed. https://www.morning...
by MiddleOfTheRoad
Wed Apr 01, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurers Waiving Treatment Covid Cost - Does this apply if you have a HDHP?
Replies: 15
Views: 870

Re: Health Insurers Waiving Treatment Covid Cost - Does this apply if you have a HDHP?

They are trying to look nice. You guys forget that they are raking in big bucks right now with all the elective care canceled for the next few months, while premiums are still collected...
by MiddleOfTheRoad
Wed Mar 18, 2020 2:49 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190716

Re: Optimism amongst the panic and worry

But, They say that in Wuhan after so many years of noise You can hear the birds again. They say that after just a few weeks of quiet The sky is no longer thick with fumes But blue and grey and clear. They say that in the streets of Assisi People are singing to each other across the empty squares, k...
by MiddleOfTheRoad
Thu Mar 12, 2020 5:26 pm
Forum: Personal Investments
Topic: IPS says to go 100% in Downturn
Replies: 38
Views: 3440

Re: IPS says to go 100% in Downturn

Hello bogleheads, I recently reread my IPS as I remembered there was a mention on what to do during the next bear market. It says to rebalance AND increase my AA from 70/30 to 80/20 when the SP drops by 20% AND then stay put Then to go 100% stocks if it drops by 40%. It does not matter if it contin...
by MiddleOfTheRoad
Sun Mar 08, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

I am buying step wise on the way down! No idea when the bottom is! 🙂 Isn't everybody who is still accumulating via 401k contributions to stock funds? There are millions doing this.... Convert 5% of bonds holding to stocks for every 10% drop So, going off course to time the market. Got it! Never sai...
by MiddleOfTheRoad
Sun Mar 08, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

watchnerd wrote:
Sun Mar 08, 2020 6:43 pm
MiddleOfTheRoad wrote:
Sun Mar 08, 2020 6:39 pm

I am buying step wise on the way down! No idea when the bottom is! 🙂
Isn't everybody who is still accumulating via 401k contributions to stock funds?

There are millions doing this....
Convert 5% of bonds holding to stocks for every 10% drop
by MiddleOfTheRoad
Sun Mar 08, 2020 6:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

When there is uncertainty and widespread fears, look around yourself. It is likely that you still have a job and will go to work tomorrow. Your loving family is still well. There is food on the table and a roof over your head. The infrastructure of society and the financial system is still solid (s...
by MiddleOfTheRoad
Sun Mar 08, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

When there is uncertainty and widespread fears, look around yourself. It is likely that you still have a job and will go to work tomorrow. Your loving family is still well. There is food on the table and a roof over your head. The infrastructure of society and the financial system is still solid (st...
by MiddleOfTheRoad
Sun Mar 08, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

The chicken little syndrome is spreading way faster than the covid19!
by MiddleOfTheRoad
Sun Mar 01, 2020 7:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

I am going to quote Ben Carlson on his latest blog post

“ Every investor is told to buy low and sell high. But most don’t realize that buy low typically works out to buy low, then buy lower, then buy even lower, and once you really hate yourself, buy lower than you thought was possible.”
by MiddleOfTheRoad
Sat Feb 29, 2020 7:24 pm
Forum: Personal Investments
Topic: I bet the house. [Rebalanced portfolio to a 10/90 asset allocation]
Replies: 255
Views: 10079

Re: I bet the house.

theplayer11 wrote:
Sat Feb 29, 2020 6:35 pm
just another panic sell..yawn
+1
Rationalizing his panic sell...
by MiddleOfTheRoad
Fri Feb 28, 2020 11:40 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37747

Re: Anybody want to guess the bottom of this "dip"?

Judging from these threads we are not even close to the point of maximum fear, so I think another 5-10% to go down. I am converting bonds to stocks every ~10% down per my IPS.
by MiddleOfTheRoad
Fri Feb 28, 2020 7:06 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296660

Re: Coronavirus and the market

Another case of Coronavirus in California today unrelated to travel, in a county 90 miles away from the first case. I doubt the market is done heading downwards. Anyway I will continue to stay put unless/until I hit my rebalancing threshold. There are now two cases in California where the person ha...
by MiddleOfTheRoad
Fri Feb 28, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

This news wasn't out during the late surge today --- A second case of coronavirus found through spread in California California has a second case of community transmission of the coronavirus, a 65-year-old resident of Santa Clara County who has no known history of travel to countries hit hard by th...
by MiddleOfTheRoad
Sat Jan 18, 2020 12:02 pm
Forum: Personal Investments
Topic: Need help on deciding regarding VULs
Replies: 29
Views: 1304

Re: Need help on deciding regarding VULs

Listen to your mother! :D