Search found 780 matches

by Darth Xanadu
Tue May 26, 2020 10:32 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 41
Views: 2864

Re: Anyone screwed up timing the market?

Sort of?

I made my 2020 Roth IRA contribution on April 22. That $6k is still sitting in cash. Could be $500 richer right now!
by Darth Xanadu
Thu May 21, 2020 11:58 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 217
Views: 15383

Re: 2020 Hedge Fund contest

Please freeze my position in DOCU today.

Thanks!
DX
by Darth Xanadu
Thu May 07, 2020 8:41 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1406
Views: 189907

Re: Post your Financial Milestone Announcements Here

Net worth officially reached $250k today! We had peaked at $249k right before the stock market crash. Took a couple of months, but our retirement account balances are now exactly back where they were ($111k) and the house value (according to Zillow, so take it with a grain of salt, but it's the bes...
by Darth Xanadu
Wed May 06, 2020 9:40 pm
Forum: Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 112
Views: 28232

Re: TD Ameritrade Money Market Options

bayareainvestor wrote:
Sat Apr 25, 2020 3:11 am
Anyone who tried using Federated Prime Cash Obligations Fund Wealth Shares (PCOXX) for holding cash in their TDA Brokerage account? Expense ratio is 0.2 for this one.
Yes, I use this, it has worked fine for me. The yield has taken a hit along with everything else but it's done it's job.
by Darth Xanadu
Sat May 02, 2020 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: TreasuryDirect I Bond Timing
Replies: 16
Views: 1700

Re: TreasuryDirect I Bond Timing

Do any of you plan on purchasing more I bonds during this 0% time period? I have been purchasing some every month with the goal of building up more in my emergency fund, but I'm not sure I want to buy during this next six months. I don't know if I'm going to do any better elsewhere, though, since i...
by Darth Xanadu
Mon Apr 27, 2020 9:15 pm
Forum: Investing - Theory, News & General
Topic: Where to put cash?
Replies: 15
Views: 1955

Re: Where to put cash?

I noticed that the Vanguard Treasury VUSXX has 7 day yield of .51 - this is where cash is currently, but - Schwab now has auto rollovers for CD's & Treasury bills, was thinking of building a 2 yr ladder?, but rates are below what the Treasury VUSXX is yielding. High Yield Bank Savings account linke...
by Darth Xanadu
Mon Apr 27, 2020 7:32 pm
Forum: Investing - Theory, News & General
Topic: Where to put cash?
Replies: 15
Views: 1955

Re: Where to put cash?

I noticed that the Vanguard Treasury VUSXX has 7 day yield of .51 - this is where cash is currently, but - Schwab now has auto rollovers for CD's & Treasury bills, was thinking of building a 2 yr ladder?, but rates are below what the Treasury VUSXX is yielding. High Yield Bank Savings account linke...
by Darth Xanadu
Mon Apr 27, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 21569

Re: I Bonds are a screaming buy - Tipswatch

I bought $5k i-Bonds for their 0.2% fixed rate. Anyone thinks I should just get another $5k? It looks like i-Bond fixed rate will go down to 0% and stay there for the foreseeable future given the current interest rate situation and economic outlook. I would. In fact I bought $20k (me+spouse) this y...
by Darth Xanadu
Fri Apr 24, 2020 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12692

Re: Moving out of NYC due to pandemic

Man, I don't know, I've never lived in NYC, and this stage of my life in my early-40's with 2 kids under 3, I never would, but it sounds like you have a great work environment. This has been evident in your posts throughout this thread. Don't undervalue it.
by Darth Xanadu
Wed Apr 22, 2020 8:42 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16544

Re: Still using total bond market?

If you are not entirely happy with your total bond, you could see what the stable value is paying. The ER of the stable value does not matter - whatever it pays, it is after that ER is taken out. If it is paying something reasonable (it probably changes every year), you might put some of your 401k ...
by Darth Xanadu
Fri Apr 10, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Inflation/I Bonds
Replies: 7
Views: 674

Re: Inflation/I Bonds

Do people consider I bonds an emergency account? We have four months of emergency savings in cash and thinking of putting a month or so into I bonds. It's my understanding that early withdraw only penalizes interest earned, correct? So it's impossible to "lose my money" even if I take some out earl...
by Darth Xanadu
Fri Apr 10, 2020 10:57 am
Forum: Personal Investments
Topic: The Coming Baby Boom?
Replies: 48
Views: 2026

Re: Will there be a baby boom in 8 to 10 months?

Judging solely based on my own, personal experience, the answer is a resounding "no".
by Darth Xanadu
Thu Apr 02, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is Form 8949 required?
Replies: 2
Views: 248

Is Form 8949 required?

Hello fellow BH'ers, I am totally confused about how to report the exercise and sale of non-qualified stock options in 2019. When I look at my 1099-B from Fidelity, it shows a non-adjusted cost basis for my company's shares. There is also a section called Supplemental Stock Plan Lot Detail, which sh...
by Darth Xanadu
Thu Apr 02, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 167
Views: 9238

Re: Are your personal expenses down during stay home and shelter?

Yes. Commuting costs suspended ($400/month). Daycare suspended ($4,000/month). Eating out suspended ($500/month).
by Darth Xanadu
Fri Mar 27, 2020 10:06 pm
Forum: Personal Investments
Topic: Income tax and long term capital gains tax?
Replies: 17
Views: 1185

Re: Income tax and long term capital gains tax?

I am asking these questions because I believe I will get to my desired numbers for retirement faster and at a more exponential rate on a taxable brokerage account because I can contribute to it as much as I want per year versus an IRA which has an annual limiting contribution. Personally, I don't m...
by Darth Xanadu
Fri Mar 27, 2020 9:57 pm
Forum: Personal Investments
Topic: Why not play the reverse ETFs now
Replies: 24
Views: 1422

Re: Why not play the reverse ETFs now

Inverse ETFs (as well as their reverse cousins) are an easy way to make money during extreme volatility and big moves in either direction. You have to be careful though, never hold them for more than a day or two at the most. I’ve been able to mitigate a good chunk of my losses over the pass two we...
by Darth Xanadu
Fri Mar 27, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14795

Re: Wife's oncologist has stopped treatment, is recommending hospice

Now it is time to grieve, heal and take care of my family. Longer term, I am going to look for volunteer opportunities to help other cancer patients in my community. Sincere condolences to you and your family, and may peace be upon you all. Thank you for your selfless direction toward the service o...
by Darth Xanadu
Fri Mar 27, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12676

Re: How are you going to use your stimulus money?

How are you going to use your stimulus money? We are phased out completely. I hope the money goes to those who need it. +1. Jobs not secure but still receiving a paycheck so far. I appreciate those that will be donating, over-tipping, and supporting local businesses! Very thoughtful and self-less.
by Darth Xanadu
Tue Mar 24, 2020 9:21 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 63
Views: 4682

Re: Inflation

What's inflation?
by Darth Xanadu
Fri Mar 20, 2020 4:29 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4308

Re: Lock loss or ride the wave with 15 years to go?

I think the market is about to take an even bigger hit in the next few months. I have lost 30% so far, but I have at least 13-15 years until I need that money. Here’s my dilemma: A. Lock in my losses as it takes longer to recuperate the lower I go. B. Ride the wave because I have a good while to go...
by Darth Xanadu
Wed Mar 18, 2020 1:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

Well it's been 28 days since the market highs.

28 Days Later.

And here I thought the movie was scary.
by Darth Xanadu
Fri Mar 13, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

Thanks, this is very timely for me. In fact, I had to cancel a transfer I initiated only an hour ago so I could sign up for the bonus first!
by Darth Xanadu
Fri Mar 13, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

If we recover from here, maybe I miss out on some opportunity. Oh well. The bigger risks lie more with my health and my job than with my investments. Stay calm, and keep investing! +1. This is sort of where I'm at. I've done exactly nothing so far. I think I'm telling myself that it's because I'm f...
by Darth Xanadu
Thu Mar 12, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

The speed of this decline has been remarkable.
by Darth Xanadu
Thu Mar 12, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37754

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

Today’s close. 2,954.22 for the S&P. You heard it in this thread first. As of now, I’m one of several on this thread who are the “winners”. We’ll see if the 2954.22 holds over the next few weeks. I am rooting hard for you to win this thing. I personally think you have almost no shot. S&P 2,665. Wel...
by Darth Xanadu
Wed Mar 11, 2020 3:04 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 295
Views: 25670

Re: Who here is buying stocks today and how much?

This is my attempt to rebalance my portfolio in a rational way during market turmoil, without veering too far into market timing. I'll let you know later how it performs. ^^^^^^^ This seems like a well-developed plan! I'm buying on Monday/Tuesday when a significant percentage of my annual 401k cont...
by Darth Xanadu
Wed Mar 11, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

The bull dies this week. I can't imagine I'll see another one of that duration in my lifetime. The bull that's been going since, like, January 2019? I thought this bull market started in 2009, but maybe you and I are using different metrics. December 2018 experienced an intra-day bear market, just ...
by Darth Xanadu
Wed Mar 11, 2020 2:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

LiterallyIronic wrote:
Wed Mar 11, 2020 2:32 pm
Darth Xanadu wrote:
Wed Mar 11, 2020 12:48 pm
The bull dies this week. I can't imagine I'll see another one of that duration in my lifetime.
The bull that's been going since, like, January 2019?
I thought this bull market started in 2009, but maybe you and I are using different metrics.
by Darth Xanadu
Wed Mar 11, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics of a Payroll Tax Cut
Replies: 5
Views: 948

Mechanics of a Payroll Tax Cut

This is a general question about the mechanics of how a payroll tax cut works. In 2011 (?), President Obama instituted a payroll tax cut from 6.2% to 4.2%. My understanding is that this is generally collected via withholding for a W-2 employee. My question is, if a worker had already paid the maximu...
by Darth Xanadu
Wed Mar 11, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

The bull dies this week. I can't imagine I'll see another one of that duration in my lifetime.
by Darth Xanadu
Wed Mar 11, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 21569

Re: I Bonds are a screaming buy - Tipswatch

The monthly value of a $25 I Bond is rounded to the nearest penny and larger I Bonds are scalings of this. E.g., each monthly value of a $10,000 I Bond with be 400 times the value of a $25 bond. This is off the topic of the original post, but thank you #Cruncher for solving one of my biggest myster...
by Darth Xanadu
Wed Mar 11, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: The ideal investment percentage in cryptocurrencies.
Replies: 42
Views: 1899

Re: The ideal investment percentage in cryptocurrencies.

I view it as a risk asset like Gold but with much higher upside potential due to the much lower market cap compared to Gold and fixed supply unlike Gold. Time will tell whether it ends up replacing Gold. Isn't gold supply also fixed? Fixed by who? The gold supply is rare yes but more can be dug up ...
by Darth Xanadu
Tue Mar 10, 2020 3:20 pm
Forum: Investing - Theory, News & General
Topic: The ideal investment percentage in cryptocurrencies.
Replies: 42
Views: 1899

Re: The ideal investment percentage in cryptocurrencies.

Anon9001 wrote:
Mon Mar 09, 2020 2:44 pm
I view it as a risk asset like Gold but with much higher upside potential due to the much lower market cap compared to Gold and fixed supply unlike Gold. Time will tell whether it ends up replacing Gold.
Isn't gold supply also fixed?
by Darth Xanadu
Tue Mar 10, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

TheDDC wrote:
Tue Mar 10, 2020 1:15 pm
Hey Jim Cramer's buying back in!
One of these days he'll be right. I hope.
by Darth Xanadu
Sat Mar 07, 2020 12:49 am
Forum: Investing - Theory, News & General
Topic: Toilet Paper Hoarders = Shoeshine boy stock tips?
Replies: 41
Views: 2759

Re: Toilet Paper Hoarders = Shoeshine boy stock tips?

We buy all our toilet paper on Amazon. I don't know why anyone would bother to go to Costco to get it when you can get it delivered. I go to Costco fairly regularly. I often purchase TP there. It seems wasteful to have Amazon ship it to me in a box. For the record, I generally ignore stock tips fro...
by Darth Xanadu
Sat Mar 07, 2020 12:14 am
Forum: Investing - Theory, News & General
Topic: Toilet Paper Hoarders = Shoeshine boy stock tips?
Replies: 41
Views: 2759

Re: Toilet Paper Hoarders = Shoeshine boy stock tips?

Why wouldn't I buy the toilet paper maker stocks, like Georgia Pacific? Because toilet paper lasts forever and usage doesn't really change. So if people are hoarding today they'll make up for it by buying none for the next six months. There won't be a net increase in sales over even the next quarte...
by Darth Xanadu
Fri Mar 06, 2020 11:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

Darth Xanadu wrote:
Thu Feb 27, 2020 10:08 am
What happens first: This thread hits 20,000 posts, or S&P achieves new all-time high?
Starting to seem like 20k posts is a no-brainer wager!
by Darth Xanadu
Fri Mar 06, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Which apt would you go for
Replies: 13
Views: 879

Re: Which apt would you go for

I would choose Option 2. I would appreciate the park, and I enjoy walking.
by Darth Xanadu
Fri Mar 06, 2020 12:01 pm
Forum: Personal Investments
Topic: Which fixed income vehicle would you select?
Replies: 8
Views: 680

Re: Which fixed income vehicle would you select?

That interest rate is pretty high and I would want to know how they are doing it. I too wanted to understand this better. From the literature related to this option I found that the 3.20% rate was effective 2/28/19 and resets semi-annually (has not changed in the past year). Allocations are provide...
by Darth Xanadu
Fri Mar 06, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

This century's edition of the Roaring Twenties has not quite lived up to its predecessor thus far.
by Darth Xanadu
Fri Mar 06, 2020 10:35 am
Forum: Personal Investments
Topic: Which fixed income vehicle would you select?
Replies: 8
Views: 680

Which fixed income vehicle would you select?

For the majority of my fixed income holdings, I am trying to decide my best option among the following: Option A: FXNAX (Fid US Bond Index), in a 401k plan that has ~37% Roth assets, and the rest is pre-tax. Option B: A stable value fund with guaranteed interest rate of 3.2%, in a 401k plan that has...
by Darth Xanadu
Fri Mar 06, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

Or the fact that airlines can't sell seats. Or the fact that hotels are empty. Or the fact that casinos are empty. Or the fact that people are not going out to restaurants. And many other reasons. You left out, the new James Bond movie scheduled to come out in April won't come out until 11/2020! Gl...
by Darth Xanadu
Thu Mar 05, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

Don't assume that people who post in this thread about daily fluctuations aren't "stay the course" people. There are a variety of people posting but I'd imagine a lot of people are like me. I consider personal Finance a hobby and enjoy educating myself about it. for some people, very volatile marke...
by Darth Xanadu
Thu Mar 05, 2020 9:28 am
Forum: Personal Finance (Not Investing)
Topic: How can one determine SS indexed wages?
Replies: 11
Views: 613

Re: How can one determine SS indexed wages?

Yes and no. You could use the known indexed wages to make the adjustment now. One can't account for future inflation, but you can account for inflation through 2018. Below is a link to the AWI - use the ratio of 2018 (52,145) to each previous year to determine the current value of each year's past ...
by Darth Xanadu
Wed Mar 04, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How can one determine SS indexed wages?
Replies: 11
Views: 613

Re: How can one determine SS indexed wages?

Yes and no. You could use the known indexed wages to make the adjustment now. One can't account for future inflation, but you can account for inflation through 2018. Below is a link to the AWI - use the ratio of 2018 (52,145) to each previous year to determine the current value of each year's past ...
by Darth Xanadu
Wed Mar 04, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How can one determine SS indexed wages?
Replies: 11
Views: 613

How can one determine SS indexed wages?

I was trying to see when I might reach the 2nd bend point for Social Security calculations, so I took $5,785 which is the 2nd bend point, and multiplied by 420 months to see what lifetime earnings need to be. But even though I know my earnings, I think it's all based on the indexed wages. If my unde...
by Darth Xanadu
Wed Mar 04, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: 2020 I Bonds: what's your plan?
Replies: 55
Views: 7433

Re: 2020 I Bonds: what's your plan?

Given the recent rate cut and it being election year (and the election is to happen after the November 1 possible rate change), I’m thinking that for anyone intending to buy this year you might as well buy now (well, March 31). What do you think? I will wait until closer to the end of April, but I ...
by Darth Xanadu
Tue Mar 03, 2020 12:13 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37754

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

Today’s close. 2,954.22 for the S&P. You heard it in this thread first. As of now, I’m one of several on this thread who are the “winners”. We’ll see if the 2954.22 holds over the next few weeks. I am rooting hard for you to win this thing. I personally think you have almost no shot. S&P 2,665.
by Darth Xanadu
Sun Mar 01, 2020 9:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

J G Bankerton wrote:
Sun Mar 01, 2020 4:47 pm
December 2018's knife fell slower but farther.
This remains to be seen.
by Darth Xanadu
Thu Feb 27, 2020 10:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628687

Re: U.S. stocks in free fall

I'm not making any changes*. My IPS dictates that I have to ride this all the way down. * I may have to rebalance into equities at some point. I don't have any "dry powder" per se, but I may move cash in my HSA into stocks if S&P hits 2,000. What happens first: This thread hits 20,000 posts, or S&P ...