Search found 2498 matches

by DrGoogle2017
Tue May 14, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

There are people who keep track of their networth every year, they would notice a loss. But if I put the value of my purchase price of my house, I would be sad, it’s a very small amount. So I suggest getting real, if you have money in the stock market, you will suffer volatility, you will suffer tem...
by DrGoogle2017
Tue May 14, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

Haha, reduction in value meets loss(kettle meets pot kind of thing). Fancy way of saying to reduce hurt feelings. I say a loss is a loss and get over it.
by DrGoogle2017
Tue May 14, 2019 10:17 am
Forum: Personal Investments
Topic: refusing inheritance
Replies: 45
Views: 5185

Re: refusing inheritance

Regifting comes to mind. Just don’t make a big deal about not accepting the inheritance. Parents must have read the same book I’ve read.
by DrGoogle2017
Tue May 14, 2019 9:46 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 11117

Re: Does your retirement plan work if stocks are flat or in decline for decades?

Yes, and I’m working to arrange my finance to make it even safer. I have not withdrawn any money yet. That money is possibly for very long LTC, that’s the only unknown so far.
by DrGoogle2017
Tue May 14, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

Flashbacks here, the same thing can be said back in 2007, I was wondering what people said here back in 2007.
by DrGoogle2017
Tue May 14, 2019 12:16 am
Forum: Personal Finance (Not Investing)
Topic: pre-qualified to get on the list
Replies: 45
Views: 3224

Re: pre-qualified to get on the list

I’m surprised that Escondido is that expensive, I looked at Redfin and the prices are way below the listed price above. Granted this is a brand new home but still. It’s priced way above the local market.
by DrGoogle2017
Mon May 13, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4933

Re: Careers in art

My kid thought an MBA at a decent top 15 schools is a step down, I have offered to pay for 2 years MBA at such institution, but she turned me down. She maybe right, her friend is doing an MBA at top 15 and is thinking of quitting. She was a math major for undergraduate. So I say let them follow thei...
by DrGoogle2017
Mon May 13, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4933

Re: Careers in art

I didn’t know creative types often have ADD. I have ADD, but not sure I’m truly creative. I do like to do arts as a hobby. I don’t think I would earn anything as an artist. I’m too impatient. Get frustrated easily. But I have one kid who is in the creative field, let’s say she’s not super successful...
by DrGoogle2017
Mon May 13, 2019 4:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

I think more pain is coming. I just love the volatily. I did buy in Dec, vti at $119.
by DrGoogle2017
Mon May 13, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3222

Re: Best month to visit London?

Just don’t go to Kew garden in August, it was very hot and humid, especially the hot house that grows Jack fruits.
by DrGoogle2017
Mon May 13, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 11852

Re: What is your U.S./ex-U.S. stock allocation?

It varies, it’s zero right now, I mean zero ex-US allocation. Edit for clarity.
by DrGoogle2017
Mon May 13, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: Dip Day!

Sandtrap wrote:
Mon May 13, 2019 12:26 pm
There might be a "super double dip" in 4 days that will make this dip look like a blip.
So a better dip day is to be had in 4 days.
. . . .
maybe. . . . :shock:
I hope so, I will be buying more.
by DrGoogle2017
Mon May 13, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

This could turn out to be a "really bad day." A livesoft-defined RBD meets all of these criteria: 1) VFINX drop of 2.5% or more 2) Drop greater than the 4th largest drop within the previous 150 days 3) Not a Friday But I frankly don't care. We're going on a picnic in a lilac garden in full bloom th...
by DrGoogle2017
Mon May 13, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

Let's get ready to rumble. Trade war in full swing. Sell in May and go away?? :confused When the indexes went positive last Friday I took the opportunity to lightened up on equities. This morning's futures are making that look like a good call but only time will tell. I'm in a 51% marginal tax brac...
by DrGoogle2017
Mon May 13, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 84
Views: 10908

Re: What non frugal things save money?

I bought some peony bulbs recently, save money, no, but if they bloom, it will save our sanity from the Ho hum of looking at pink blooms everywhere. I need some diversity in my flower garden.
by DrGoogle2017
Mon May 13, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

Let's get ready to rumble. Trade war in full swing. Sell in May and go away?? :confused When the indexes went positive last Friday I took the opportunity to lightened up on equities. This morning's futures are making that look like a good call but only time will tell. I'm in a 51% marginal tax brac...
by DrGoogle2017
Mon May 13, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: When did you realize it wasn't enough?
Replies: 33
Views: 7483

Re: When did you realize it wasn't enough?

I never worried about not having enough because my family survived in the Bay Area on $25k(2003) plus mortgage payment. Nobody noticed any problem. Even today my kids told us they were not aware of it. We vacationed, the kids had dance and music lessons. We ate well. We paid for our own health insur...
by DrGoogle2017
Sun May 12, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2208

Re: Backpacking/study abroad for young folks

My kid did a summer study abroad(the summer after freshman year) in Paris for language and in London at a Kings college(I believe) something to do with spy and encryption. When she was in Paris during Tour de France, she travelled around France to see follow them in real life. She’s now more knowled...
by DrGoogle2017
Sun May 12, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3222

Re: Best month to visit London?

I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January. Maybe it's a settled immigrant thing. But I haven't been ins...
by DrGoogle2017
Sun May 12, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 84
Views: 10908

Re: What non frugal things save money?

I bought LeCreuset bakeware once, or twice, or maybe three times I had to return because they cracked under pressure. Luckily I kept the receipt. Never get fooled by buying brand name items. They didn’t test it under extreme condition, I did.
by DrGoogle2017
Sun May 12, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3222

Re: Best month to visit London?

I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January. OTOH you can often find a cheap airfare on the actual holida...
by DrGoogle2017
Sun May 12, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3222

Re: Best month to visit London?

I’ve been to London many times around Christmas and NewYear, now I avoid going at this time anywhere. Crazy time to get cheap airfares. Probably more expensive than normal. But maybe best to go to Harrods and wait for the sale in January.
by DrGoogle2017
Sat May 11, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3222

Re: Best month to visit London?

I like June/July. I was in May once and it was raining almost every single day. I don’t mind tourists.
by DrGoogle2017
Sat May 11, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 4105

Re: Newbie international traveler

In Germany, you'll need cash outside of really nice restaurants and hotels. Since I tend not to eat at very nice restaurants, I need lots of cash. I have used my Fidelity CMA card to get cash overseas dozens of times. They did shut off my card twice. So: 1) make sure you call to set a travel notifi...
by DrGoogle2017
Sat May 11, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 1918

Re: Fed Employee/Retirement Issues

I believe my husband submitted his paper about 6 months ahead, no break in health insurance, as long as you have an annuity, you get to keep health insurance. But let’s just say everybody was pretty clueless about everything. So give plenty of time, don’t cut too close.
by DrGoogle2017
Sat May 11, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Chase Premier Plus Checking - How to earn maximum interest?
Replies: 17
Views: 1424

Re: Chase Premier Plus Checking - How to earn maximum interest?

I have regular checking account, no fee, you only need to keep $1500. I used this account to get money out of ATM abroad, didn’t want large balance since any crooks can get a hold of it for some reason. Now I just use Penfed for ATM abroad.
by DrGoogle2017
Fri May 10, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6589

Re: Continue working for benefit of adult children or retiring earlier?

I would do it in my 30s, 40s, or even 50s, but I definitely won’t do it after age 60. But I know my siblings are working in their early 60s to help their kids. Their kids are not self sufficient yet, still a drain to their savings if they don’t work. Healthcare is not a problem. Plus the young wife ...
by DrGoogle2017
Fri May 10, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

I must be the idiot, I’ve been buying, just nibbling though.
by DrGoogle2017
Thu May 09, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

LOL, this board never has discussions about kids with A- averages, 1200 SATs, who played varsity baseball but weren't state champs and who only volunteered at the soup kitchen 3 days a week! Everybody's kid is above average, here: WAY above average. This discussion is always fun, but in the real wo...
by DrGoogle2017
Thu May 09, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4078
Views: 753893

Re: What's Your Credit Card Rewards Strategy?

I got solicited for Virgin Airways credit card. I have a question about their companion ticket, is it to London only like British Airways or can you use it to somewhere else. To be clear the BA companion cert can be used to go other places than London (I used one to go to Amman a few years ago) but...
by DrGoogle2017
Thu May 09, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4078
Views: 753893

Re: What's Your Credit Card Rewards Strategy?

I got solicited for Virgin Airways credit card. I have a question about their companion ticket, is it to London only like British Airways or can you use it to somewhere else.
by DrGoogle2017
Thu May 09, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

He was the wrong ethnicity Prop 209 prevents public institutions in CA from considering race or ethnicity. https://ballotpedia.org/California_Affirmative_Action,_Proposition_209_(1996) UCs accept about 30-40% first generation kids too. Maybe that’s a backdoor for race or ethnicity. Look at which re...
by DrGoogle2017
Thu May 09, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

I’m just nibbling toward the bottom, bought some more again. I don’t know where it’s going but that’s my motto. I may double my buying program as it dips more.
by DrGoogle2017
Thu May 09, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

USC and the UCs are getting much harder to get in now. The people in the know(as working in admission) said both of my kids would not be accepted today, let alone getting half tuition. What were their stats when they were admitted? 2008, SAT was 2300+, uw GPA was 3.7, NMF, 10 APs, one tough sport, ...
by DrGoogle2017
Thu May 09, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

USC and the UCs are getting much harder to get in now. The people in the know(as working in admission) said both of my kids would not be accepted today, let alone getting half tuition.
by DrGoogle2017
Thu May 09, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Houseplants
Replies: 17
Views: 1581

Re: Houseplants

ZZ plant has shiny new leaves, a beautiful plant. Light needs to be above otherwise it will spread out and not grow vertical.
by DrGoogle2017
Thu May 09, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12036
Views: 2049060

Re: U.S. stocks in free fall

I bought some more less than 146. Nibbling my way to the bottom.
by DrGoogle2017
Wed May 08, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

(younger one just got to MathCounts Nationals and won full tuition scholarship to state flagship - in 7th grade; elder is USACO Platinum (~top 50 of all high schoolers in the country) and USAPhO Silver Medalist (top 90 of all high schoolers in the country)) In fact, this combination of achievements...
by DrGoogle2017
Wed May 08, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

My first job after college I worked with a lot of MIT people, the company was started by an MIT guy. Fast forward, I heard nothing from those people, except some became professor Princeton. Yeah, he went to Yale for undergraduate. But lately my co worker who went to grasp Penn State was in the news,...
by DrGoogle2017
Wed May 08, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: pre-qualified to get on the list
Replies: 45
Views: 3224

Re: pre-qualified to get on the list

Last time they did this in my area, it was a precursor to the housing bubble, I refused to list my assets. It’s like telling them, they can raise price on me because they know how much you have. Oh no, I’m not that stupid.
by DrGoogle2017
Wed May 08, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

I'd also like to point out that there are non-Ivy, private schools that cost just as much as an Ivy, and can be just as strict about only providing "need based" aid. It's not just the top ten schools either. So I think planning for the most expensive private colleges, if you can, and within the par...
by DrGoogle2017
Wed May 08, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 149
Views: 11471

Re: Imperfect market timing still works -- if you stick with it

I’m not sure if this is correct, but Carter Worth said buy and hold from Jan 2018 till yesterday was about 3%. It’s like 3 year CD. The market closed at 2,673.61 on the last trading day of 2017 and close yesterday at 2,884.05 so 2,884.05/2,673.61 = 1.0787 or a gain of 7.87%. I think I heard the sam...
by DrGoogle2017
Wed May 08, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 149
Views: 11471

Re: Imperfect market timing still works -- if you stick with it

Ged wrote:
Wed May 08, 2019 10:34 am
DrGoogle2017 wrote:
Wed May 08, 2019 10:07 am
I’m not sure if this is correct, but Carter Worth said buy and hold from Jan 2018 till yesterday was about 3%. It’s like 3 year CD.
Suppose I pick Jan 1 2012 to yesterday. I get 224%. Not including dividends.
Why not pick 2009, why 2012, your gain will be more impressive.
by DrGoogle2017
Wed May 08, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 149
Views: 11471

Re: Imperfect market timing still works -- if you stick with it

I’m not sure if this is correct, but Carter Worth said buy and hold from Jan 2018 till yesterday was about 3%. It’s like 3 year CD.
by DrGoogle2017
Wed May 08, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Houseplants
Replies: 17
Views: 1581

Re: Houseplants

I have fiddle leaf fig and ZZ plant. Pretty hardy. Peace Lily is nice but droops if you don’t water it. In fact, that’s when you know to water it. I also have lots of orchid plants, they are so hardy, I ignore it, it will bloom, it will bloom 4-5 months. I bought one in December and it’s still bloom...
by DrGoogle2017
Wed May 08, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

That’s another extreme comment, the no do-over one. It’s the kind of comment that drives some parents crazy, hence we saw a lot of bribery to get some kids in a certain college. There is no such thing in America. Look at the following list, the cream of the crop in wealth, Michigan and Yale are virt...
by DrGoogle2017
Tue May 07, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7917

Re: How much do you donate?

1-5% every year.
by DrGoogle2017
Tue May 07, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2205

Re: What’s in your pocket?

You don’t want to know. I have everything under the sun. it’s not a pocket, it’s a purse thought. It’s sort of like my memory bank. I search there first before I search my house. Never lost a car key ever.
by DrGoogle2017
Tue May 07, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 12525

Re: College Expenses

Bingo! My daughter studied at VCU of Richmond, VA. She had to walk past many homeless people on her way to classes. It was a life-changing experience for her. KlangFool Should have sent her to USC in downtown Los Angeles, homeless capital of USA. Hopefully it would have been life-changing, rather t...
by DrGoogle2017
Tue May 07, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 111
Views: 9911

Re: Gardening 2019

I plant garlics to keep the thiefs out of my garden, they smell so bad, they don’t bother to come close. Onions and garlics are so prolific around here. Yesterday, I picked a bunch to go with my paella.