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sparksfly

TMF 15% down in 7 days. How is everyone doing? Frustrating to be more than 5% down when the market went 2% up. 15% in 7 days is nothing . UPRO lost 77% between 2/19/20 and 3/23/20. A bigger concern isn't 15% vs 77% but that SPX down -0.15% and TMF going -2%. Not working as a hedge right now. Both s...

sparksfly

TSLA stock itself may have risen many-fold but you will find very few people who could really hold the stock through the ups and down. Remember that even if you did buy TSLA early enough, chances are that you would have realized some gains along the way. Just like it is scary to buy an exploding sto...

sparksfly

The software industry is evolving very quickly and will continue to evolve. I find it a bit surprising that you are still not very familiar with the breadth and possibilities in the field after 10+ years doing trying various things in the field. Few bits of advice (with 20+ experience in this indust...

sparksfly

+1 to what others have already said. She should be available and entertain all conversations until she has a firm offer in hand from one of them. Once that's in place, she can inform others (either to close the threads or to push them for expedite their offer if she isn't too excited by the first of...

sparksfly

Wow...Shock collars, Vocal cord removal, inside a crate for several hours every day!!! Re-home it...somewhere none of these options are on the table.

sparksfly

One thing I'm curious to hear what others think about is cheaper, more efficient/customizable alternatives. I'll explain where I'm coming from here. I'm assuming that anyone on bogleheads is already in the >95th percentile of both financial literacy, attention to the current financial landscape, an...

sparksfly

I'd look at your tax transcripts online. Should show all payments to and from the IRS. For instance, my 2019 transcripts lists my refund, witholding, and interest credits. https://www.irs.gov/payments/view-your-tax-account - click on "Create or View Account" +1. Your online account should...

sparksfly

Did you tell insurance when he had a learners permit? Our insurance does not add them until they get their actual license. OP, our daughter (4th child) just got her license a few weeks back. Provide your insurance company with a copy of his last grade report for a good student discount, if applicab...

sparksfly

I’m surprised and amazed by the level of ignorance in this thread. So many are talking about going to Fidelity (or Schwab). I hope people understand that Fidelity, Schwab, Bank of America, Capital One, Chase, Wells Fargo, USAA, Geico, Allstate, State Farm, Fifth Third and on and on and on...everyon...

sparksfly

I’m surprised and amazed by the level of ignorance in this thread. So many are talking about going to Fidelity (or Schwab). I hope people understand that Fidelity, Schwab, Bank of America, Capital One, Chase, Wells Fargo, USAA, Geico, Allstate, State Farm, Fifth Third and on and on and on...everyone...

sparksfly

kjvmartin wrote: ↑Thu Jul 09, 2020 5:05 pm I do not like the Pros and how they fit inside my ear. I don't notice much difference in terms of tone. I switched back to regular AirPods.

Pretty much the same experience except that I can't switch back because I gave away my Airpods to my daughter

sparksfly

It doesn't have to be a very volatile period to come up with this garbage. There are always winners and losers in the market so how is it different now.

Even if he is right, he is asking to pick winners. I wish it was that easy

sparksfly

Still in it to win it. Still up around +16% vs -30% for S&P 500. “Vanilla” 50/50 version with quarterly rebalance. Sitting at 20/80 (UPRO/TMF) currently. Liking my TMF position right now... I'm exactly in same situation. Staying with it and no plans to tinker. This is working exactly how it was...

sparksfly

Sorry to be blunt but no, you didn’t know this would happen. For future, the best advice I can give you is to get away from this thought. Ask this board and majority will say they knew. You can even find threads that talk about market crashing, it’s too high, is it a bubble. Nobody knew this then an...

sparksfly

All in all, my investments doubled and then fell in half from when I started a year ago. So I’m basically back to where I started. Whereas 100% SCV or even 100% global market is significantly down from a year ago. Shocking to say the least, I feel like I’ve been hit by a tank yet I’m basically back...

sparksfly

i have been following this thread but didnt get involved, any of you guys positive here, does this perform better than vti? is it worth throwing couple bucks into this idea? I entered in March last year and about 21% up as of this morning. For some reason, image isn't getting embedded in the post (...

sparksfly

I suggest serious look at Bidet. We have it for 5 years. Once you start using, you won't go back to TP other than wiping excess water. It's much cleaner as well.

sparksfly

Everyone looking at the one day performance of UPRO vs TMF asking "Why didn't TMF work?" but has anyone checked the 2008 SIM? I'm sure there are plenty of similar days where UPRO plummets but TMF doesn't soar. The strategy works over time, the magic isn't perfect offsets every single day....

sparksfly

Ramjet wrote: ↑Thu Mar 12, 2020 3:51 pm How are the PSLDX folks holding up?

On Dec 12th, I split one of my IRA account 50/50 between VTSAX and PSLDX. Today, my VTSAX holding is 48% and PSLDX is 52%. So, after some very bad days, PSLDX appears to have done better than VTSAX so far.

sparksfly

There was another thread on TLT closing at discount to NAV yesterday. It's possible that it caught up today with NAV. Not 100% sure though

sparksfly

Staying the course. I wish I had some spare money to invest right now but no change in allocation. 100% stocks in retirement accounts

sparksfly

It was a bad day for this portfolio without a doubt but I think it is important to put it in perspective. In last 1 year, this portfolio has returned 48.5% v/s -2.5% for S&P500...they aren't even close.

sparksfly

owenmia wrote: ↑Thu Feb 27, 2020 9:44 pm I knew this was going to happen a week ago

No, you didn't. The earlier you get rid of that illusion, the better it will be for you.

sparksfly

Some folks here talk about primary rental insurance. The best insurance for Loss / Damage waiver is American Express Premium insurance. This is an add-on on most American Express cards, and you have to add to each card. Once you add that feature to a card, you then rent a car. At the end of the ren...

sparksfly

On top of that, we enjoy/value the travel insurance, the priority pass membership and the primary rental car insurance. Don't see any reason for us to cancel this card over a $100 increase. Most people don't realize the value of "primary" car rental insurance until they need it (of course...

sparksfly

On top of that, we enjoy/value the travel insurance, the priority pass membership and the primary rental car insurance. Don't see any reason for us to cancel this card over a $100 increase. Most people don't realize the value of "primary" car rental insurance until they need it (of course...

sparksfly

membership fee raised from $450 to $550, with additional benefit. This was all started by Amex Plat, whereby they raised from 450 to 550. Citi prestige followed. Then Chase. Economy is doing well, and they have too many cardholders as it is. Amex Platinum is almost free: - 200 Uber credits, - 200 a...

sparksfly

One additional item that OP missed in the list of new perks is 10 pts/dollar on Lyft rides for reserve and 5 pts/dollar for other chase card (freedom/unlimited and sapphire preferred). Most people will likely not get much value from it unless they use ridershare a lot. To me, this new benefit alone...

sparksfly

One additional item that OP missed in the list of new perks is 10 pts/dollar on Lyft rides for reserve and 5 pts/dollar for other chase card (freedom/unlimited and sapphire preferred). Most people will likely not get much value from it unless they use ridershare a lot. To me, this new benefit alone...

sparksfly

One additional item that OP missed in the list of new perks is 10 pts/dollar on Lyft rides for reserve and 5 pts/dollar for other chase card (freedom/unlimited and sapphire preferred). Most people will likely not get much value from it unless they use ridershare a lot. To me, this new benefit alone ...

sparksfly

I have transferred my Roth IRA back to Vanguard with the plan to put all of it in PSLDX. One interesting thing to note is that while Vanguard does not allow buy orders for UPRO or TMF, it appears they do allow them to be transferred in kind. Vanguard allows PSLDX? Non-egregious fee? Yes. I hold PSL...

sparksfly

Thank you for sharing your experiences and perspectives. I'm behind on my wills and it looks like getting that done by subscribing for a year may be worth it.

sparksfly

Hello bogleheads, With the new open benefits enrollment, my company had added a new option to subscribe to a legal assitance company "Metlaw". For $200 a year, I can subscribe to the legal services which access to attorney for most of the common legal issues including estate planning, traf...

sparksfly

I was trying to update the sim data files for TMF and UPRO to make them current by adding the missing daily data after 02/21/19 (the last date in the sim files). However, I noticed something that I wanted to check with folks here. I downloaded the daily data from Feb to now from yahoo finance and c...

sparksfly

I was trying to update the sim data files for TMF and UPRO to make them current by adding the missing daily data after 02/21/19 (the last date in the sim files). However, I noticed something that I wanted to check with folks here. I downloaded the daily data from Feb to now from yahoo finance and ca...

sparksfly

Is there also simulated data for 2X funds available?

sparksfly

MotoTrojan wrote: ↑Fri Feb 22, 2019 12:10 am Less bickering more learning please!

Yes please...our money is on the line

sparksfly

"It works until it doesn't." Or it proves anything goes up or down at the same time on any given day. Correlations over the long term is what matters for the long term investor. Unless one is a day trader why does anyone care? I am pretty sure every person who is on board with trying this...

sparksfly

I have a Roth with $1,500 (I can't backdoor) that would be a slam dunk for this if I didnt have all investments at Vanguard. It is so small I can't talk myself into the hassle of another account. If it was 10k I would do it. Somebody talk me into it! Not trying to talk you into it but account openi...

sparksfly

I have a Roth with $1,500 (I can't backdoor) that would be a slam dunk for this if I didnt have all investments at Vanguard. It is so small I can't talk myself into the hassle of another account. If it was 10k I would do it. Somebody talk me into it! Not trying to talk you into it but account openi...

sparksfly

My M1 Finance Roth IRA was opened and funded yesterday. Auto invest triggered the buy orders this morning in the portfolio. Very small part of the portfolio but I'm in :sharebeer How long from when you emailed them your statement to when the transactions occurred? I'm trying to clean up some accoun...

sparksfly

My M1 Finance Roth IRA was opened and funded yesterday. Auto invest triggered the buy orders this morning in the portfolio. Very small part of the portfolio but I'm in

sparksfly

HEDGEFUNDIE wrote: ↑Sat Feb 09, 2019 1:00 pm If 2008 happened again, UPRO would get killed but TMF would skyrocket. [...] What would be the absolute downside in this scenario? If say S&P500 is down 50% (2008-2009), UPRO be down 150% (3 times) Does that mean, one of the following scenarios: 1) U...

sparksfly

Watching this thread with lot of interest...will likely jump in. Like many others in the forum, the 3X leverage does concern me...especially in a market like 2008. Did a quick check on 2X funds (SSO, UBT) in 50/50 ratio and compared them to OP's mix. Returns are obviously much lower but with signifi...

sparksfly

Hi guys. I just signed up for life insurance through an agent who happens to be a friend. My current quote is $38 per month for $500,000 for a 20 year term. My wife’s will be $15 per month for $100,000 for a 20 year term. So a total of $53 per month. We are both 34. I’m just curious....how do these...

sparksfly

Everything was normal at ORD and EWR this week. We have people flying from DFW, RDU, BOS, CVG...nobody had anything different to report

sparksfly

Iorek wrote: ↑Sat Jan 12, 2019 10:09 am so my inclination is just to go for a total mkt index fund (FZROX).

That's exactly what I did. They have a long life in front of them. A total stock fund makes sense...no expense fee and no minimum makes it best suited in my view.

sparksfly

Bumping...any suggestions?

sparksfly

Hi Bogleheads, need your guidance. I received a notice from IRS (CP22H) for Tax Year 2015 regarding adjustment to my Shared responsibility payment and I now owe roughly 400 USD. I'm fairly certain that this is a mistake because I have my 2015 forms 1095C from both employers in that year (changed job...

sparksfly

2019 projected gross income for DW and I: $248,132.00 -$38,000 (max 401k x2) -$,3,500 (max HSA) -$500 (FSA contribution) -$24,400 (standard deduction for married filing jointly) --------------- -$66,400 So projected AGI for 2019 is ~$181,732.00 ...I know the limit for full contribution is $193k and...

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