Search found 319 matches

by mtmingus
Tue Feb 25, 2020 4:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 14037
Views: 2292516

Re: U.S. stocks in free fall

Who is buying? I purchased $10,000 of VTSAX ( Vangaurd Total Stock Market Index) just before 4pm close today. I did exactly the same thing (10K VTSAX) at about the same time.... yesterday. Inasmuch as the news keeps getting worse, and I already am down about 3% from yesterday's purchase, I did not ...
by mtmingus
Tue Feb 25, 2020 2:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 14037
Views: 2292516

Re: U.S. stocks in free fall

With an AA of Equity:Cash+Bond = 53:47. Down 2.2% from the high this year as of last night. No plan to make change, except to increase 401k contribution % for the next a few months.
by mtmingus
Mon Feb 24, 2020 3:57 pm
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 146
Views: 12652

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

Decide not to buy iShares S&P 1500 Index Fund ITOT, rather Fidelity ZERO Total Market Index Fund FZROX at the close of today.
by mtmingus
Mon Feb 24, 2020 2:19 pm
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 146
Views: 12652

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

willthrill81 wrote:
Mon Feb 24, 2020 11:54 am
Ramjet wrote:
Mon Feb 24, 2020 11:53 am
midareff wrote:
Mon Feb 24, 2020 11:51 am
bought 50 masks yesterday
Where at?
Last I heard, Lowe's and Home Depot had N95 masks, but they may be gone now.

I've had a stash of them for years in preparation for an event such as this.
Which N95? There are so many models. These at HD are for home remodeling: sanding, painting.
by mtmingus
Mon Feb 24, 2020 12:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 14037
Views: 2292516

Re: U.S. stocks in free fall

Rebalancing from close to 40:60 to 45:55 today.
by mtmingus
Mon Feb 24, 2020 10:41 am
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 146
Views: 12652

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

Watty wrote:
Mon Feb 24, 2020 10:39 am
If stocks are still down at the end of the day my target date fund will automatically sell some bonds to buy some stocks.
Are target date funds that much dynamic? I thought some of them re balance quarterly.
by mtmingus
Mon Feb 24, 2020 10:20 am
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 146
Views: 12652

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

mortfree wrote:
Mon Feb 24, 2020 10:13 am
I just put in a limit order for VTI at 165. (10:11AM EST)

So that will stop the market from going lower.
My orders will be in within mins before the closing.
by mtmingus
Mon Feb 24, 2020 9:39 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 622
Views: 45206

Re: Coronavirus and the market

Re-balancing from close to 40% equity to near 45% equity today. Likely I will be wrong again for too early.
by mtmingus
Mon Feb 24, 2020 9:09 am
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 146
Views: 12652

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

Stinky wrote:
Mon Feb 24, 2020 9:05 am
abuss368 wrote:
Mon Feb 24, 2020 8:19 am
Gas up the truck and get ready to back up!
Glad to know that there’s still room in the truck. :happy
I wouldn't fully load it today.
by mtmingus
Mon Feb 24, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 622
Views: 45206

Re: Coronavirus and the market

Only 5% from the highs early this month.
by mtmingus
Mon Feb 24, 2020 8:57 am
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 146
Views: 12652

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

I know a former co-worker he buys when the total markets down 5%, 10% from the highs. Looks like today is the day for him.
by mtmingus
Mon Feb 24, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 622
Views: 45206

Re: Coronavirus and the market

JoeRetire wrote:
Mon Feb 24, 2020 6:30 am

:oops: I always get the one wrong!
Unfortunately you may get this one right today.
by mtmingus
Mon Feb 24, 2020 8:47 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 622
Views: 45206

Re: Coronavirus and the market

I did cut daughter's 529 from 50/50 to 40/60 this weekend. She's a junior and there's enough bonds to see us through already, but with grad school a possibility, I'd feel stupid being overly aggressive. I've been wanting to do this for a while but lacked the inspiration (market timing!) If there wa...
by mtmingus
Sun Feb 23, 2020 10:16 am
Forum: Personal Investments
Topic: Cash at Fidelity
Replies: 28
Views: 3352

Re: Cash at Fidelity

Most Fidelity MM have high expense ratios. For example, Fidelity® Government Money Market Fund - Premium Class FZCXX, exp ratio 0.36%, current yield 1.3. I split my short term cash and equiv in FZCXX, JP Morgan Ultra-Short Income JPST and PIMCO Enhanced Short Maturity Bond MINT. Vanguard Prime Money...
by mtmingus
Wed Feb 19, 2020 10:33 am
Forum: Investing - Theory, News & General
Topic: Think Bed Bath & Beyond is at bottom? Any chances thriving?
Replies: 61
Views: 3658

Re: Think Bed Bath & Beyond is at bottom? Any chances thriving?

I really wish they could survive! We shopped them a lot in our remodeling project in the last a couple of years.
by mtmingus
Tue Feb 18, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 125
Views: 10460

Re: Potential sue - Loss of money

How to find out if you have Covenants, Conditions & Restrictions Rules, to your single family home (not condo or townhome)?
We probably don't have any since our neighbors had additions and storage sheds built recently.
by mtmingus
Mon Feb 17, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Tax underpayment penalty
Replies: 45
Views: 3155

Re: Tax underpayment penalty

@mtmingus . how ? Did you have to itemize the sale each quarter in AI ? My unusual extra "income" came in Dec 2019 not in Q1 ~ Q3. I made estimated IRS payment right after I got my final year-end cap gains info, then figured out how much we could convert TIRA to Roth IRA using 1040 calculator www.m...
by mtmingus
Mon Feb 17, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Tax underpayment penalty
Replies: 45
Views: 3155

Re: Tax underpayment penalty

@mtmingus . how ? Did you have to itemize the sale each quarter in AI ? My unusual extra "income" came in Dec 2019 not in Q1 ~ Q3. I made estimated IRS payment right after I got my final year-end cap gains info, then figured out how much we could convert TIRA to Roth IRA using 1040 calculator www.m...
by mtmingus
Mon Feb 17, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Tax underpayment penalty
Replies: 45
Views: 3155

Re: Tax underpayment penalty

Thanks to cas and other members of this board, I used Schedule AI and had our "underpayment penalty" waived in our 2019 federal return (return accepted) for the unusual hit of cap gains in Dec 2019 and Roth Conversion. Now I have extra withholding in my W4.
by mtmingus
Thu Feb 13, 2020 8:48 am
Forum: Personal Investments
Topic: record number of 401(k) and IRA millionaires, according to Fidelity
Replies: 5
Views: 702

record number of 401(k) and IRA millionaires, according to Fidelity

441,000 IRA or 401(k) accounts Fidelity manages had balances more than $1 million.
The number represents 1.6% of the 27.2 million IRA and 401(k) accounts managed by Fidelity.

How many of you just joined this club recently?
by mtmingus
Wed Feb 12, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 79
Views: 6010

Re: Costco Tires

We always replace tires at Costco: Michelin and Bridgestone, when they are on sale. Mostly good experience.
by mtmingus
Fri Feb 07, 2020 9:04 am
Forum: Personal Investments
Topic: My Highest ER Fund = Prime MM. WTH?
Replies: 39
Views: 2663

Re: My Highest ER Fund = Prime MM. WTH?

I hold

JPST JPMorgan Ultra Short Term Bnd
MINT PIMCO Ultra Short Term Bnd
FPAXX Fidelity Gov MM
VMMXX Vanguard Prime MM

for my ultra short term/cash.
by mtmingus
Thu Feb 06, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Physician assistant salary?
Replies: 39
Views: 7246

Re: Physician assistant salary?

Umm, just to clarify... "Low six figures" = $300,000 or = $130,000 ? 3 is a low number. Low 100's is a better way of saying 130,000 I was puzzled by this kind of "low # figures" too. I know some people would say their net worth in the low 7 figures when they meant, they just reached the 2 comma clu...
by mtmingus
Tue Feb 04, 2020 7:36 pm
Forum: Personal Investments
Topic: FIRED!! [Unexpectedly laid off]
Replies: 59
Views: 12529

Re: FIRED!!

I don't see if you have enrolled on your ex-employer's Cobra - they normally offer inactivated employees up to 1 yr of medical insurances upon terminations. Most of the time these are EXPENSIVE. I'd think medical insurance for your family is the first thing you need to secure now if you haven't yet!...
by mtmingus
Tue Feb 04, 2020 3:13 pm
Forum: Personal Investments
Topic: FIRED!! [Unexpectedly laid off]
Replies: 59
Views: 12529

Re: LAID OFF!!

I don't like the title of this thread. You weren't FIRED!!, you were LAID OFF (if I understand you correctly). There's a big difference here and if you will be interviewing for another job, you should use the correct terminology or you won't get hired. ( FIRED implies you did something wrong: for e...
by mtmingus
Tue Feb 04, 2020 1:28 pm
Forum: Personal Investments
Topic: FIRED!! [Unexpectedly laid off]
Replies: 59
Views: 12529

Re: FIRED!!

Maybe I missed it but what are your annual expenses? Just FYI, I voluntarily retired when I was your age with less than you have and it is working out just fine, but I have a paid off house and middle class but not frugal budget. Was that 11 years ago? “working out just fine” in an environment wher...
by mtmingus
Tue Feb 04, 2020 9:26 am
Forum: Personal Investments
Topic: FIRED!! [Unexpectedly laid off]
Replies: 59
Views: 12529

Re: FIRED!!

Watty wrote:
Tue Feb 04, 2020 9:09 am
grettman wrote:
Tue Feb 04, 2020 7:12 am
Maybe I missed it but what are your annual expenses?
Just FYI, I voluntarily retired when I was your age with less than you have and it is working out just fine, but I have a paid off house and middle class but not frugal budget.
Was that 11 years ago?
by mtmingus
Tue Feb 04, 2020 9:09 am
Forum: Personal Investments
Topic: FIRED!! [Unexpectedly laid off]
Replies: 59
Views: 12529

Re: FIRED!!

Medical insurance:

A "good" thing of the timing: your earned incomes are likely low for 2020 if not getting the same pay-level job soon and that would qualify you for high subsidies of the ACA program.

Make sure you are insured!
by mtmingus
Sun Feb 02, 2020 10:57 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2694
Views: 501602

Re: What are you up YTD? [Year To Date]

This tread is good a thermometer on the degree of euphoria in the market. It's been quite since the market highs.

Could someone do a statistics and graph the results:

1: the total market index;
2; the numbers of posts on this thread.

Plotted them as far back as the data is available.
by mtmingus
Wed Jan 22, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to reduce spending -- suggestions?
Replies: 73
Views: 6480

Re: How to reduce spending -- suggestions?

amazon prime and costco are the top places for impulsive purchases for us.
by mtmingus
Sun Jan 19, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16416

Re: Why retire?

You love what you do, enjoy working with your team, and no complain on commuting.
But the company is not doing well - few productive people, more work. Unreasonable demands from external teams on deliverables on multiple tasks and priorities.
Looking for a new job? you are upper 50s.
by mtmingus
Fri Jan 17, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Optimal thermostat settings
Replies: 18
Views: 1401

Re: Optimal thermostat settings

We feel comfortable either way. But the in 1st setting the furnace could rest in between 61 to 70 degree while the 2nd setting it runs for a long time to reach 70 from 61.
by mtmingus
Fri Jan 17, 2020 7:39 am
Forum: Personal Consumer Issues
Topic: Optimal thermostat settings
Replies: 18
Views: 1401

Optimal thermostat settings

Assume they are both comfortable sleep temperature settings, which one is better for the gas furnace?

4am/64, 5am/67, 6am/70, 10pm/61

or

6am/70, 10pm/61

?
by mtmingus
Thu Jan 16, 2020 10:58 am
Forum: Personal Investments
Topic: Vanguard Health Care Fund
Replies: 13
Views: 2038

Re: Vanguard Health Care Fund

Most of my Vanguard funds are tax inefficient in my taxable account:

Dividend Growth
Wellesley Income
Wellington
Global Min Volatility

No complain!
by mtmingus
Tue Jan 14, 2020 8:53 pm
Forum: Personal Investments
Topic: ARK Innovation ETF (ARKK)
Replies: 9
Views: 504

Re: ARK Innovation ETF (ARKK)

ARKK is on my radar.....
by mtmingus
Sun Jan 12, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Power reboot in house for smart bulbs
Replies: 13
Views: 957

Re: Power reboot in house for smart bulbs

RickBoglehead wrote:
Sun Jan 12, 2020 4:26 pm
It means you have them set improperly, at least the Phillips bulbs. See the app...
Didn't know there is a power on behaviors settings. Thanks.
by mtmingus
Sun Jan 12, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Power reboot in house for smart bulbs
Replies: 13
Views: 957

Power reboot in house for smart bulbs

We had a short power glitch today and interesting to find out:
all Philips Hue and Wyze light bulbs were turned on (after the power got back) even though the schedules were off.
Anyone had similar experience?
by mtmingus
Sun Jan 12, 2020 4:16 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 64
Views: 7301

Re: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)

Happy with my AQR Large Cap Defensive Style Fund AUENX for a few years now (Fidelity raised the Minimum to Invest to 1 mil in 2019).
by mtmingus
Fri Jan 10, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2111

Re: Firm mattress recommendations

Thank you all for your kind and patient feedback!
by mtmingus
Wed Jan 08, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2111

Re: Firm mattress recommendations

Thanks MDFan!
by mtmingus
Wed Jan 08, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2111

Re: Firm mattress recommendations

Thanks HawkeyePierce, sport, TSR!
by mtmingus
Wed Jan 08, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2111

Re: Firm mattress recommendations

Good to know on the firmness density (out of 45) and other options available. Thanks bloom2708! Yes. Companies may use different rating scales. When people say they want a "very firm" mattress, it usually means they want a soft/quilted top with little sag on the coil/support underneath. The mattres...
by mtmingus
Wed Jan 08, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2111

Re: Firm mattress recommendations

I would try an Avocado Green or Casper mattress. I have tried them both in the past year and had to return both because they were too firm. Both top rated by Consumer Reports for what that is worth, and basically risk-free - one year trials. Returns were painless, they have charities come to your h...
by mtmingus
Wed Jan 08, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2111

Re: Firm mattress recommendations

Do you have a mattress manufacturer in your vicinity? It might be best to visit and have one built to your firmness desire. We have 2 local manufacturers. You can go in and try out all the mattresses. Our current mattress has no foam. It is a 35 on a 20 to 45 density rating scale. On the firmer sid...
by mtmingus
Wed Jan 08, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2111

Re: Firm mattress recommendations

Thanks RickBoglehead and PrettyCoolWorkshop.
We probably like something like Extra/Ultra Firm.
by mtmingus
Wed Jan 08, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2111

Firm mattress recommendations

Appreciate if you have recommendations for good firm mattresses based on your personal experiences. We have been buying these from the department stores (Sealy, Serta) but they all sag more or less after about 3~4 years.
by mtmingus
Tue Jan 07, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 77275

Re: Fidelity Free Turbotax 2019

Thanks Fido!


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