Search found 231 matches

by ronno2018
Wed Jun 03, 2020 1:54 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 101
Views: 5089

Re: Does every one here only have 3 funds in their portfolios?

I am moving towards three funds but I am enamored of the personalcapital.com moderate portfolio, so I have some international bonds (BNDX), international stock (VSGX), and small amount of REIT (VNQ) and gold (IAU). I suppose I should just swap my VSGX and ESGV for VEIGX. Although I am not sure about...
by ronno2018
Wed Jun 03, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: thoughts on furnance on the second floor
Replies: 14
Views: 594

Re: thoughts on furnance on the second floor

I think the attic is fine as it is more space efficient, as long as access for maintenance is OK.

What climate is this in? Really your furnace fan is pretty damn efficient and can push air where needed. Damn the torpedoes and gravity and full speed ahead captain. :sharebeer
by ronno2018
Sun May 31, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: Double Play (Internet and TV)
Replies: 28
Views: 1123

Re: Double Play (Internet and TV)

I bought a Amazon Recast and a Tablo DVR (no need for both, I prefer the Tablo). So I have an over the air digital video recorder and antenna. So I can record most of the local MLS soccer games and PBS. I have Xfinity for 100 Mbps for $45 (you need to agree to a year contract then call every year to...
by ronno2018
Mon May 18, 2020 9:01 pm
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 102
Views: 8745

Re: Why no love for REITs?

I will never sell VNQ as it is part of my alternatives portion along with iShares gold. VNQ is not very alternative though (too correlated I think). I should probably start one of those alibaba resale companies based out of Thailand -- then move to Thailand. :sharebeer Currently VNQ is my only port...
by ronno2018
Mon May 18, 2020 8:50 pm
Forum: Personal Investments
Topic: Merrill Edge Guided Investing switch to Self-Directed
Replies: 11
Views: 889

Re: Merrill Edge Guided Investing switch to Self-Directed

I think you got some great advice above. Don't be afraid to simplify your holdings and not use an advisor. Read the wiki for this site and keep buying equities each month. Take advantage of all of your employer's match. Long term you will do well.
by ronno2018
Fri May 15, 2020 2:42 pm
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 102
Views: 8745

Re: Why no love for REITs?

REITs seem like a great way to balance out a portfolio, they pay solid dividends, and have good long term performance. I don't see a lot of investors actively pursuing them. Are REITs a portfolio's best friend, or do they have a bunch of underlying issues an investor should be aware of? :confused V...
by ronno2018
Fri May 15, 2020 2:36 pm
Forum: Personal Investments
Topic: What NOW!! [Portfolio help]
Replies: 38
Views: 2306

Re: What NOW!! [Portfolio help]

It really is hard to predict our behavior under stress and I think you should not feel bad at all about your decision making. It is just a lesson learned. Like others mention you might be at the stage in your life where Vanguard PAS or equivalent service can be there for you to bounce ideas off and ...
by ronno2018
Tue May 12, 2020 12:00 pm
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 102
Views: 8745

Re: Why no love for REITs?

Well my VNQ is doing terrible today -- down 3.62%. I think it will continue to drop until a vaccine is around. Yikes.
by ronno2018
Fri Apr 17, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8242

Re: Frugal quarantine habits to keep

Old Guy wrote:
Fri Apr 17, 2020 11:46 am
I’m 77. I have no intention of living my remaining years in a frugal manner.
Here, here. I am 56 and will ramp up the spending when daughter's tuition payments stop in May of 2022. :sharebeer
by ronno2018
Sun Apr 12, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best Auto Insurance for Very Low Mileage
Replies: 12
Views: 789

Re: Best Auto Insurance for Very Low Mileage

I just did Allstate milewise and got $69 a month quote for 2000 miles a year on a 2018 Kia Niro. Which is compared to my $114 Geico policy currently. This is in urban Pacific Northwest locale.
by ronno2018
Thu Apr 09, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 64
Views: 7087

Re: Outside of stocks, what else is a screaming good deal now?

WS1 wrote:
Wed Apr 08, 2020 5:13 pm
Let me know when I can pull the trigger on a used rolex
Yes, tell me where to buy one too! :sharebeer
by ronno2018
Sat Apr 04, 2020 8:24 pm
Forum: Personal Investments
Topic: Question on clarifying not timing the market
Replies: 5
Views: 349

Re: Question on clarifying not timing the market

I moved towards bonds last year after thinking about my age and retirement plans, plus the duration of the bull market. So I was making a choice about my long term strategy for a 56 year old, and also a bit of market timing -- but I was still sticking to rebalancing based on my updated 2019 investor...
by ronno2018
Fri Apr 03, 2020 11:59 am
Forum: Investing - Theory, News & General
Topic: Isnt shale oil industry more of risk factor than covid itself?
Replies: 45
Views: 3165

Re: Isnt shale oil industry more of risk factor than covid itself?

Stay away from the whole oil sector until they convert to renewables/hydrogen etc. At some point global warming will mean we have real policies to ameliorate if not reverse it. Should have took action when Al Gore told us to 20+ years ago. Keep it in the ground (oil and coal).
by ronno2018
Mon Mar 16, 2020 4:54 pm
Forum: Personal Investments
Topic: Will price of new car pricing increase or decrease?
Replies: 12
Views: 1476

Re: Will price of new car pricing increase or decrease?

I only care about motorcycles! 8-)

The one I have my eye on is already a bargain -- https://www.revzilla.com/common-tread/r ... ide-review

:sharebeer
by ronno2018
Thu Mar 12, 2020 9:58 pm
Forum: Personal Investments
Topic: Large amount of cash to invest, not sure if I should wait for further dip. Thoughts?
Replies: 32
Views: 3580

Re: Large amount of cash to invest, not sure if I should wait for further dip. Thoughts?

This a good thread. Good attitudes. Optimism More and more I have come to admire resilience. Not the simple resistance of a pillow, whose foam returns over and over to the same shape, but the sinuous tenacity of a tree: finding the light newly blocked on one side, it turns in another. A blind intell...
by ronno2018
Thu Mar 12, 2020 9:51 pm
Forum: Personal Investments
Topic: I bought $528 worth of ESGV today
Replies: 2
Views: 303

I bought $528 worth of ESGV today

I was hoping to turn the market around. No dice.

Maybe my $1041 401K purchase sometime next week will do the trick!

:sharebeer
by ronno2018
Mon Mar 09, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: mountain bike purchase
Replies: 31
Views: 1280

Re: mountain bike purchase

I have been happy with my Bikes Direct purchases. A bit of a gamble in regard to sizing. They have some nice choices -- http://www.bikesdirect.com/products/mot ... ension.htm
by ronno2018
Mon Mar 09, 2020 2:37 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 295
Views: 25692

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

I need to rebalance at some point but for now I just changed my twice monthly 401K contribution from total bond to total stock.

:sharebeer
by ronno2018
Fri Mar 06, 2020 1:35 pm
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 9915

Re: Parents retiring with $500k saved - Things look OK?

Are you sure about the home taxes? I am in western WA urban area and mine are less than half that with a similar home value...
by ronno2018
Tue Mar 03, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 322861

Re: Best watch for around $5,000?

I have always liked watches but never attempted to learn about them but these last few months I have enjoyed watching youtube collectors and have bought three watches and have stopped myself from getting more. I think I will end up like one youtuber though -- he bought one, then ended up buying an a...
by ronno2018
Tue Mar 03, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: In layman's terms...why is a Correction or Bear Market good for an investor?
Replies: 13
Views: 639

Re: In layman's terms...why is a Correction or Bear Market good for an investor?

I think if you are in the accumulation phase the benefits of dollar cost averaging are what people are referring to as a benefit to a bear market but if you are retired you do not benefit. https://www.bogleheads.org/wiki/Dollar_cost_averaging Or people who claim they have magic market timing powers ...
by ronno2018
Tue Mar 03, 2020 2:52 pm
Forum: Personal Investments
Topic: Seeking Advice for Mom Divorced in Retirement
Replies: 19
Views: 2440

Re: Seeking Advice for Mom Divorced in Retirement

I think the 30/70 mentioned above makes sense. Can you build an accessory dwelling unit for her in your house or perhaps another sibling could do that?

She could pitch in for part of the construction cost? Really if you can get her rent reduced to $0 right now her savings will last way longer.
by ronno2018
Thu Feb 27, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 18835

Re: who is worried and feels like selling stocks?

Lady in the elevator yesterday was saying she wished she owned some 3M stock (they make masks maybe?). I then realized I actually own some 3M stock (small inherited amount). Unfortunately although it looks good today I should have sold it early last year. It needs to climb a lot higher to get back t...
by ronno2018
Tue Feb 25, 2020 1:27 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97137

Re: Well, I am market timing... Wish me luck.

I did it, I just could not help myself. With markets are all time highest and the coronavirus causing China to quarantine 50 million people, the USA stopping all flights to China and China basically putting their economy on hold for a few weeks I had to take some profits and rebalance my investment...
by ronno2018
Fri Feb 21, 2020 5:56 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9853

Re: Has Vanguard deteriorated?

I moved from Wells Fargo to Vanguard and Ally Bank last year and both have been great so far. I also changed my rewards Visa card from Wells Fargo to Chase Bank (sort of wanted to try the airport lounge pass). I had mostly Vanguard ETF's as investments so I thought I might as well try Vanguard out a...
by ronno2018
Mon Feb 17, 2020 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: deductible health insurance premiums for self-employment?
Replies: 53
Views: 2858

Re: deductible health insurance premiums for self-employment?

If you are laid off and are the primary family insurance are you not immediately eligible to sign up for an ACA plan? https://www.healthcare.gov/unemployed/cobra-coverage/

I guess this is not an answer to the question but I wonder if ACA is cheaper than COBRA?
by ronno2018
Fri Feb 14, 2020 12:57 pm
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 7582

Re: What are your not free but still frugal hobbies?

Downloading free books, almost entirely science fiction, for my kindle/iPad from https://www.ereaderiq.com/freebies/. Some of is bad. Some ok. Some pretty good. Working out four or five days a week. We own a Marriott timeshare week 10 minutes by bike from where we live. We have access to the facili...
by ronno2018
Thu Feb 13, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 322861

Re: Best watch for around $5,000?

I turn 50 this year. I plan to get the recreation of the 1970 Seiko 6105 dive watch, which was issued in the year I was born, and also featured in several movies, such as Apocalypse Now: https://www.seikowatches.com/global-en/products/prospex/special/1970recreation/ Current prices are about $4500. ...
by ronno2018
Wed Feb 12, 2020 11:31 pm
Forum: Personal Investments
Topic: Selling shares to buy a car? Yikes!
Replies: 47
Views: 4379

Re: Selling shares to buy a car? Yikes!

I agree, life is short, you have saved up a good sum. Buy a nice car and help the economy grow. :happy I would prefer you buy a nice electric cargo bike or a hybrid or fully electric car, but I am about to buy a new Royal Enfield Himalayan adventure bike that runs on gasoline, so I would be a hypocr...
by ronno2018
Wed Feb 12, 2020 11:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18847
Views: 2634618

Re: U.S. stocks in free fall

for whatever it's worth -- S&P500 futures down 0.3%.. no free fall for too many days.. and predictably Small Cap Futures are down without even having had the run up... they just seem to go in one direction perpetually and that is DOWN! :oops: When will this asset class finally get it's day in the s...
by ronno2018
Wed Feb 12, 2020 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Join AARP for Fun and Profit
Replies: 28
Views: 3143

Re: Join AARP for Fun and Profit

I joined AMAC, just saying that there is an alternative Senior organization with discounts. I also ride an alternative motorcycle than Harley. I also did not buy any APPLE products. I prefer to find my own trail whenever possible. +1 I joined AMAC (Association for Matured American Citizens) a few y...
by ronno2018
Wed Feb 12, 2020 2:02 pm
Forum: Personal Investments
Topic: How to Stop Watching the Market (I know it's just that simple. But is it?)
Replies: 33
Views: 2086

Re: How to Stop Watching the Market (I know it's just that simple. But is it?)

No worries. When the market starts going down you will stop watching it. At least that's what most of us did in the 2000-2003 time frame and the 2007-09 time frame. Just keep on contributing to your accounts every week/month/year, and open your statement in 20 years. :beer This is very true! Yes it...
by ronno2018
Fri Feb 07, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: What is the highest expense ratio you willingly pay?
Replies: 123
Views: 8487

Re: What is the highest expense ratio you willingly pay?

IAU -- Ishares Comex Gold Trust at .25 (do not have a lot of it).
by ronno2018
Fri Jan 31, 2020 7:25 pm
Forum: Personal Investments
Topic: Sold VBK, VOO, VV, will replace with ESGV
Replies: 26
Views: 2610

Re: Sold VBK, VOO, VV, will replace with ESGV

Just simplifying my holdings and keeping the same asset allocation, plus I feel better with a screen of "certain environmental, social, and corporate governance criteria." Maybe switch my VTI to ESGV too or switch my VEU to VSGX. Expense ratios are a bit higher but still really good compared to so ...
by ronno2018
Fri Jan 31, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: ESG outperforming - will you add any ESG funds to your portfolio?
Replies: 63
Views: 3848

Re: ESG outperforming - will you add any ESG funds to your portfolio?

I switched from VTI to ESGV recently and performance seems better most days. I am starting to move from VEU to VSGX now too. Most days it does better as well, but one day (due to oil maybe?) it was dramatically worse. Life is not fair and the good guys don't always win, but my hope is supporting dec...
by ronno2018
Thu Jan 30, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 v Civic Si
Replies: 46
Views: 2790

Re: Mazda 3 v Civic Si

A guy got a really nice lease recently on leasehkr for the Civic (see below). I love our Kia Niro hybrid, not super sporty, but really nice. The new Forte GT looks cool -- https://www.caranddriver.com/news/a24431746/2020-kia-forte-gt-sedan-turbo/ https://forum.leasehackr.com/t/signed-2020-honda-civi...
by ronno2018
Wed Jan 29, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Conservatorship? Not sure what to do...
Replies: 15
Views: 1238

Re: Conservatorship? Not sure what to do...

I like the suggestion above about getting an elder care attorney at hourly rates. They will have good advice about approaching the person needing help and various strategies to assist. Does your Mom live nearby the family friend who needs help managing his home and care? I think your mom has to trea...
by ronno2018
Wed Jan 15, 2020 4:11 pm
Forum: Personal Investments
Topic: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."
Replies: 75
Views: 7933

Re: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."

I agree with the comments above about career burnout and just taking a break for a few years. Become a part time zookeeper or something totally different after your two year travel break. I think you need some social activities too, might be hard to do on the road? Really you should just bite the bu...
by ronno2018
Sun Jan 12, 2020 12:28 am
Forum: Personal Investments
Topic: Does Vanguard have a way to track outside investments?
Replies: 25
Views: 4318

Re: Does Vanguard have a way to track outside investments?

I am a bit confused by this as well. I think they removed the previous "Yodlee" based outside investment syncing several weeks ago. I was using their Yodlee setup but my outside account kept failing (also failed via Mint and Personal Capital), so I deleted it for several weeks and then went back to...
by ronno2018
Fri Jan 10, 2020 6:27 pm
Forum: Personal Investments
Topic: Does Vanguard have a way to track outside investments?
Replies: 25
Views: 4318

Re: Does Vanguard have a way to track outside investments?

I am a bit confused by this as well. I think they removed the previous "Yodlee" based outside investment syncing several weeks ago. I was using their Yodlee setup but my outside account kept failing (also failed via Mint and Personal Capital), so I deleted it for several weeks and then went back to ...
by ronno2018
Wed Jan 08, 2020 8:21 pm
Forum: Personal Investments
Topic: portfolio advice - 3 year escape plan from silicon valley
Replies: 41
Views: 3318

Re: portfolio advice - 3 year escape plan from silicon valley

As retirement nears in the next several years....my thinking may change and I will likely roll it all into the Bogle philosophy fund I have at Vanguard. If I were nearer to retirement I would probably diversify but their average stock performance is outstanding I worked in tech for 30 years before ...
by ronno2018
Wed Jan 08, 2020 7:45 pm
Forum: Personal Investments
Topic: Does anyone own FSDAX Defense fund?
Replies: 34
Views: 1671

Re: Does anyone own FSDAX Defense fund?

He said defense, utilities, gold, and Cyber etc are all gonna be good if something happens in the Middle East. I realize it's not "Boglehead" stuff, but I would think he knows a few things. No one knows nothing anymore Nobody really knows the score Seems nobody knows anything Let's break it down an...
by ronno2018
Tue Jan 07, 2020 5:03 pm
Forum: Personal Investments
Topic: Dealing with an advisor
Replies: 8
Views: 509

Re: Dealing with an advisor

Are there a lot of assets? Complicated tax situation? Is it costly assets under management percentage advising or a fee only advisor? If you have shown her your knowledge and examples of self managed success (your own, wiki here, books, etc.) I suppose you just need to go along with her wishes and n...
by ronno2018
Tue Jan 07, 2020 1:25 pm
Forum: Personal Investments
Topic: Can I retire (early)?
Replies: 49
Views: 6013

Re: Can I retire (early)?

The only reason I can think of for having that much cash would be if you just sold a house? Leave the Bay Area to Florida where there is no State tax and lower cost of living you could live like a king I'm just curious what a king`s life looks like. Well in Florida it would include increasing flood...
by ronno2018
Sun Jan 05, 2020 4:48 pm
Forum: Investing - Theory, News & General
Topic: Gold - How Do Investors Model Price?
Replies: 406
Views: 14002

Re: Gold - How Do Investors Model Price?

To be a bit cynical for a moment: I think some people hold gold because it looks good in backtests. Sometimes when stocks fell, gold did well. Do some data mining, and you can construct a portfolio that produces a nice, safe historical return. I have had a bit of gold (ishares etf) since April of 2...
by ronno2018
Wed Jan 01, 2020 2:42 pm
Forum: Personal Investments
Topic: I just accidentally bought $83K in ETF stock
Replies: 25
Views: 3888

Re: I just accidentally bought $83K in ETF stock

It's unfortunate it took human intervention to fix the short comings of their technology. Sounds like 1990's (or earlier) technology to me. Yup. The technology required to prevent this user error is trivial, and is standard practice at pretty much every other brokerage. While I use a couple of Vang...
by ronno2018
Tue Dec 31, 2019 10:34 pm
Forum: Personal Investments
Topic: I just accidentally bought $83K in ETF stock
Replies: 25
Views: 3888

Re: I just accidentally bought $83K in ETF stock

:( Lucky you only lost $100 on this amount of equity exposure. Wonder if you’d get to keep it if the market went up ;). The trade desk basically let me keep some cash (was more efficient for them I think) and suggested I could benefit a bit if I bought again at the then lower market price! Unfortuna...