Search found 475 matches

by Xrayman69
Mon Jul 06, 2020 5:18 pm
Forum: Personal Investments
Topic: 51 year old physician
Replies: 25
Views: 4476

Re: 51 year old physician

Earn more, spend less, save more.
by Xrayman69
Mon Jul 06, 2020 3:09 pm
Forum: Investing - Theory, News & General
Topic: Does it really matter when you claim Social Security
Replies: 99
Views: 7518

Re: Does it really matter when you claim Social Security

I’ve assumed it will be a non refundable tax liability when I’m eligible to receive benefits in another 15-20 years. If given the opportunity to cash out today I would take it. I realize the feds can print money for future liabilities but will still make savings a top priority with the assumption it...
by Xrayman69
Sat Jul 04, 2020 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Why do you invest and what are you investing for?
Replies: 22
Views: 1581

Re: Why do you invest and what are you investing for?

I invest because....... My daily life exposes me to many things that have made life very comfortable, enjoyable, meaningful and progressively better than they were throughout stages of life. For example, when I was in 3rd grade our family got our first microwave, in 7th grade an Apple Iie computer, ...
by Xrayman69
Fri Jul 03, 2020 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 122
Views: 6770

Re: Share your budget

Inspired by the super popular "Share your net worth progression" thread https://www.bogleheads.org/forum/viewtopic.php?f=2&t=139157 , here is a another topic I am curious about - annual budget. I think I am spending too much. So curious to compare. Thanks Household situation - double income 2 kids ...
by Xrayman69
Thu Jul 02, 2020 11:51 am
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2770

Re: COVID 19 changing the public vs. private school value equation?

I would think the best options are home schooling or hiring a private tutor for online education if your main concern is safety. I don't have kids (do have a teenage nephew) but I have heard issues with online education. It can vary not only from school to school but also from teacher to teacher. S...
by Xrayman69
Tue Jun 23, 2020 9:33 am
Forum: Personal Investments
Topic: Is my portfolio at max efficiency?
Replies: 12
Views: 594

Re: Is my portfolio at max efficiency?

I am also fine with 100% stock currently didn't even flinch when the market dropped with the COVID-19 in March just continued DCA. ChrisO, 1) How long can you last with your emergency fund if you are laid off? 2) Were you unemployed in March? 3) If your employer starts laying off people and the mar...
by Xrayman69
Sat Jun 20, 2020 12:23 pm
Forum: Personal Investments
Topic: Hard to stay the course...
Replies: 38
Views: 4785

Re: Hard to stay the course...

The bonds is to hedge and balance risk as many others have stated. If bond rates go down then the bond fund prices go up. Under normal circumstances bond rates decline when investors are leaning towards decreased risk (selling equities) and as result equity prices are likely declining. In reverse, w...
by Xrayman69
Sat Jun 20, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32011

Re: Really hard to avoid "Keeping up with the Joneses"!

Here is the secret about people who you think are wealthy; many are not. 1) They may earn a big income - But they spend more then they make and have a lot of debt or are living paycheck to paycheck 2) They have a big house - Their wealth is actually tied up in their house (This is one of the causes...
by Xrayman69
Sun Jun 14, 2020 1:00 pm
Forum: Investing - Theory, News & General
Topic: Forbes: Do Day Traders Drive The Market Now?
Replies: 13
Views: 1017

Re: Forbes: Do Day Traders Drive The Market Now?

Fundamentally, buy and hold investors allow the stocks to run. There is this idea that a small number of people trading would have difficulty creating volatility. It’s wrong. The more you don’t trade, the more volatility you allow. So if you are an institutional investor, you might be passive if th...
by Xrayman69
Sun Jun 14, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Joint vs individual trading account?
Replies: 8
Views: 526

Re: Joint vs individual trading account?

Do you think you'll never get divorced? Even in divorce assets need to be disclosed and divided accordingly whether individual or joint accounts. Upon divorce the joint account can be dissolved and asserts distributed into the individual accounts or other accounts. Individual accounts do not absolv...
by Xrayman69
Sun Jun 14, 2020 12:49 pm
Forum: Investing - Theory, News & General
Topic: Forbes: Do Day Traders Drive The Market Now?
Replies: 13
Views: 1017

Re: Forbes: Do Day Traders Drive The Market Now?

90% of stocks are owned by the big institutional investors. Day traders are a factor in the markets but are too small to move them. Sort of like the tail trying to wag the dog. Generally, yes. For outliers, like Hertz, I think day/retail traders are a huge factor. The market cap of Hertz doesn’t ev...
by Xrayman69
Sun Jun 14, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity - Human Robo Advisors - Anyone ?
Replies: 12
Views: 908

Re: Fidelity - Human Robo Advisors - Anyone ?

If when managing your investment they pick Fidelity funds from the set that have expense ratios of 0.5% and up and have significant turnover, the cost of this service could be severe. At least at Vanguard the cost is 0.3% and there are no high cost funds offered. That said, I don't know what they a...
by Xrayman69
Sat Jun 13, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Nickeling and diming
Replies: 53
Views: 5383

Re: Nickeling and diming

I use 1 hour of my time as my baseline. What I would earn in 1 hour of working vs whatever effort it would require to save that 1 hour and the joy of that 1 hour equivalent. For example we use a gardener to mow and weed. 1 hour a week is around $50. This is not something I enjoy and would probably t...
by Xrayman69
Sat Jun 13, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: $120,000 in credit card debt
Replies: 72
Views: 9624

Re: $120,000 in credit card debt

Hello. I have $120,000 in unsecured debt. ($70,000 in my name, and $40,000 to my S Corp, which I'm the sole owner of). Next week, I'm getting a check for $125,000 as part of my divorce agreement. (Got divorced in 2019) Should I immediately take that $125,000, and pay off everything? I'm not sure if...
by Xrayman69
Sat Jun 13, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: Incredible Returns
Replies: 67
Views: 6116

Re: Incredible Returns

Make a transparent long term wager with him like Buffett did with the hedge funds for a period of 5 years. Winner donates the entire funds at the end to charity. I Suspect that your initial 1K or whatever amount you choose will end up in the positive and his will be highly at risk of being less than...
by Xrayman69
Fri Jun 12, 2020 11:52 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32011

Re: Have you ever kept up with the Jones’?

I think a big part of gaining wealth is LBYM, saving and having a decent income. In middle age I am feeling the pressure to buy a bigger house and dump a few hundred thousand into a somewhat bigger home in essence to make my family happy. I think it is to fit in socially to a degree. I am troubled ...
by Xrayman69
Thu Jun 11, 2020 12:32 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16243

Re: Thoughts on today's sell-off?

Rebalance as needed. Today’s movement has not caused a need to rebalance. Already did this ealier this month and did the same in early March. Review every quarter rebalancing needs.
by Xrayman69
Thu Jun 11, 2020 12:31 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16243

Re: Thoughts on today's sell-off?

Rebalance as needed. Today’s movement has not caused a need to rebalance. Already did this ealier this month and did the same in early March. Review every quarter rebalancing needs.
by Xrayman69
Wed Jun 10, 2020 8:14 pm
Forum: Personal Investments
Topic: Rent or Sell Townhouse in Seattle
Replies: 42
Views: 2877

Re: Rent or Sell Townhouse in Seattle

We have sold 2 rental as over the past 10 years in seattle. Significant gains over the purchase price. First rental was our starter home. When we upgraded home we kept it as a rental for 5 years. Didn’t make much annually. Sold the second rental about 18 months ago. The regulations for small busines...
by Xrayman69
Tue Jun 09, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5940

Re: To what Broadband Speeds do you Subscribe and Why?

I ran this online speed test and got this: https://www.google.com/search?q=speed+test&rlz=1C1CHBF_enUS898US898&oq=speed+test&aqs=chrome..69i57j0l6j69i65.2447j0j7&sourceid=chrome&ie=UTF-8 Internet speed test 232.7 Mbps download 11.6 Mbps upload Latency: 22 ms Your Internet speed is very fast Your In...
by Xrayman69
Tue Jun 09, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: How does TLH harvesting help?
Replies: 22
Views: 1108

Re: How does TLH harvesting help?

Only change you should make is to take the $1600 in scenario 2 and increase it because it will be invested for 2 or 3 decades, depending upon your age. And don’t forget that you can get a step up in basis upon death, if that matters to you. The value is greater for those in the 10 or 12% brackets i...
by Xrayman69
Tue Jun 09, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21023

Re: Markets back near all time highs - how are you feeling and path forward ?

Weve been told by our MSFT CVP that we will be working from home until a vaccine comes out. In addition, it's great since now we are collaborating more effectively with remote teams. Also - productivity had been same or higher WFH. However I notice the effects of isolation, specially on single peop...
by Xrayman69
Tue Jun 09, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey mentioned bogleheads today
Replies: 142
Views: 9943

Re: Dave Ramsey mentioned bogleheads today

Dave Ramsey gives paid endorsements for financial planners selling high-fee/commissioned funds to be in his 'network'. Maybe there is some behavioral benefit for people who choose to go that route. I know some people enjoy having their money 'guy' or 'gal' to turn to, and seem happily oblivious to ...
by Xrayman69
Sun Jun 07, 2020 11:39 am
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21023

Re: Markets back near all time highs - how are you feeling and path forward ?

Not confident at all.. I would've preferred a slower recovery with the market taking time to digest everything after seeing earnings in Q2 etc. This rally reeks of speculative madness and not quite sure we're going to be able to hold this level. Even if we do hold these levels for a while, it's sti...
by Xrayman69
Sun Jun 07, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: Are any market timers cashing out soon?
Replies: 74
Views: 8004

Re: Are any market timers cashing out soon?

Rebalanced in first days of June to match my desired AA and risk acceptance. No cash out. To risky to just “cash out” even if the market “tanks”, because when would I get back in?

Stick to the plan. Evolve the plan as the time towards retirement nears but will stick to the plan.
by Xrayman69
Sat Jun 06, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24565

Re: What fun car should I get in the $150k - $200k range?

Thank you everyone for the responses. I will respond to everyone's questions and comments here in this post. There are just too many people to quote and respond directly. A few things I expected here was someone recommending a Miata, and someone recommending a Tesla. I was not disappointed. I was e...
by Xrayman69
Sat Jun 06, 2020 3:59 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21023

Re: Markets back near all time highs - how are you feeling and path forward ?

So the market is back up to all-time highs and I’m guessing pretty much everybody’s portfolio is as well. I am feeling relieved for sure, but not sure if there is a lot of happiness at this time with all the uncertainty still around. Covid is still spreading and millions are still without jobs . Wh...
by Xrayman69
Sat Jun 06, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24565

Re: What fun car should I get in the $150k - $200k range?

Porsche 911 Turbo. +1. Very fun car, very user friendly even for the novice, can track the car or drive to the grocery store. It’s an every day driver that can be used to take the kid to school or pick up dinner. When valet the car going out to dinner it’s usually put up front so when you come back...
by Xrayman69
Fri Jun 05, 2020 8:36 am
Forum: Investing - Theory, News & General
Topic: Market Euphoria?
Replies: 63
Views: 5150

Re: Market Euphoria?

Stick with your comfortable AA and plan during the steady times when emotions were not so volatile. The last 4 months have been exhausting if you didn’t have a plan and are prone to emotional panic or “euphoria”. I’m thankful that the BH community reminds me to be calm. Rebalance accordingly. Rebala...
by Xrayman69
Thu May 28, 2020 11:00 am
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4797

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

See answers below. Really ETFs are not an issue. If dividends are reinvested in an ETF then fractional shares will arise. How does an individual completely liquidate a position if there is a fractional share? Easily, you just sell the shares and the broker will liquidate the fractional shares. When...
by Xrayman69
Wed May 27, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18226

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

Just put $20k a year into a Total Stock Index Fund. By the time the kid is 18, you'll have $240k in there. That means the kid will inherit an extra $5 million (at 8%) to $11 million (at 10%) at 58. Which would your kid rather have? $5 million inheritance at 58? Or a private school education from K-...
by Xrayman69
Tue May 26, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18226

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

First of all, the real winners go to Harker :D I have a friend with a kid in Challenger and it has it's own problems. Classes in his particular school are very small, there are not enough people to find compatible friends. He believes that sooner or later he will have to transfer his kid to a publi...
by Xrayman69
Tue May 26, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 6306

Re: What will you NOT buy online?

Won’t buy flowers on line. Prefer to walk in the house with them in hand for the spouse. Plus the farmers market every Sunday is the norm for flowers. Took a 6 week hiatus but this has reopened.
by Xrayman69
Tue May 26, 2020 4:37 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 4259

Re: Bogleheads: What is your largest single stock holding? (if any)

AMZN, about 3%. Can’t sell due to taxes. Sold 3 shares last year to remove my cost basis and play on “house money”. Bought shares many years ago when I started using the service and enjoyed the experience. Have been donating shares for charity as opposed to cash donation then immediately taking the ...
by Xrayman69
Tue May 26, 2020 2:28 pm
Forum: Personal Investments
Topic: Will location premium on homes drop?
Replies: 8
Views: 884

Re: Will location premium on homes drop?

Trends can take years or even decades to develop. During the decade other factors can come into play. I think the pandemic will probably expedite acceptable acceptance that not being physically present 5 days for 40 hours a week is fine. I personally will likely incorporate acceptance that 50% in of...
by Xrayman69
Tue May 26, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Inflationary effects pending?
Replies: 40
Views: 3349

Re: Inflationary effects pending?

Food prices are moving, sale prices have dispersed, it looks like inflation is kicking in. Yea but what’s your definition of inflation? If I’m correct inflation has been about 2% average? Now hyper inflation is a different story. In the past when there was hyper inflation CD’s and treasuries were h...
by Xrayman69
Tue May 26, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18226

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

First of all, the real winners go to Harker :D I have a friend with a kid in Challenger and it has it's own problems. Classes in his particular school are very small, there are not enough people to find compatible friends. He believes that sooner or later he will have to transfer his kid to a publi...
by Xrayman69
Tue May 26, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Painting the house//estimates and experiences
Replies: 20
Views: 1527

Re: Painting the house//estimates and experiences

jb1 wrote:
Tue May 26, 2020 8:27 am
I just did my bathroom and it really wasnt that bad. Sure it took me a weekend and some spots still need to be touched up, but it was a great skill to learn and saved me probably $600
What were some lessons you learned and do differently for your next room when needed?
by Xrayman69
Mon May 25, 2020 2:11 pm
Forum: Personal Investments
Topic: I have no risk tolerance: where am I supposed to keep my money?
Replies: 73
Views: 6751

Re: I have no risk tolerance: where am I supposed to keep my money?

Only free meal is diversification. 50:50 is reasonable. No equities is a unwittingly high risk position for those that are naive and ostensibly risk adverse. No equities in a portfolio is actually betting that there will be forever a no growth environment and holding cash at low interest rates lags ...
by Xrayman69
Mon May 25, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Customer hasn't paid me not worth cost of lawyer but...
Replies: 48
Views: 5377

Re: Customer hasn't paid me not worth cost of lawyer but...

I'm self employed and did a job back in Feb. of this year and haven't been paid. $1200 invoice. Customer told me upfront they pay net 60 and I was OK with that. Well C19 happened and they say they won't pay me until their office reopens because they are not set up for "remote" payment. They are in ...
by Xrayman69
Mon May 25, 2020 11:28 am
Forum: Investing - Theory, News & General
Topic: "The stocks are up but the economy's down"--good "Indicator" podcast episode
Replies: 20
Views: 2892

Re: "The stocks are up but the economy's down"--good "Indicator" podcast episode

Just mentioned this in another thread but I think it deserves its own. The Stocks are Up but the Economy's Down (transcript) Short answer: it's the luck of the composition of the stock market: Because by a fluke of history, it just so happens that the companies that are the best positioned for the ...
by Xrayman69
Mon May 25, 2020 11:18 am
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4797

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

If dividends are reinvested in an ETF then fractional shares will arise. How does an individual completely liquidate a position if there is a fractional share? When an ETF is sold how long does it typically take for the funds to clear before being available to purchase alternatives. Does this make i...
by Xrayman69
Mon May 25, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 6306

Re: What will you NOT buy online?

Coffee.

Delivery food, yes. Can heat up and still be better than my cooking.

Reheating coffee, I can certainly boil water and grind coffee beans
by Xrayman69
Mon May 25, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 148
Views: 14466

Re: Pandemic buys that have improved quality of life?

High end sipping tequila: Don Jose 1942.

After a 20 year hiatus from tequila due to youthful indiscretion.
by Xrayman69
Tue May 19, 2020 12:22 am
Forum: Investing - Theory, News & General
Topic: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates
Replies: 79
Views: 7891

Re: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates

Which Vanguard Bond fund do you recommend to earn a modicum of interest income and at the same time protect your investment when rates change and start to rise eventually. Why should anyone earn money if they aren't willing to take risk? Why should the Fed bail out investors every time the risks do...
by Xrayman69
Sat May 16, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Good Time to Buy New Car or Wait?
Replies: 38
Views: 3675

Re: Good Time to Buy New Car or Wait?

Car dealerships during this time have the ability to lever down the inventory. Lower inventory with fewer customers in need approximates a matched market where neither buyer nor seller have an atypical advantage. Dealers lay off staff, manufactures will,lay-off production line workers and fewer cars...
by Xrayman69
Sat May 16, 2020 5:58 pm
Forum: Personal Investments
Topic: When to consider buying vacation properties that were previously inundated with VRBO leveraged owners
Replies: 6
Views: 1515

Re: When to consider buying vacation properties that were previously inundated with VRBO leveraged owners

I'm following this closely, as well, because of a specific market I'm interested in. I tend to agree with your estimate that by spring next year the bottom is likely to fall out of this. AirBNB got their hosts added to the small business relief program, but I don't see how that's going to be suffic...
by Xrayman69
Sat May 16, 2020 12:06 pm
Forum: Personal Investments
Topic: When to consider buying vacation properties that were previously inundated with VRBO leveraged owners
Replies: 6
Views: 1515

When to consider buying vacation properties that were previously inundated with VRBO leveraged owners

With the travel and hospitality industry being essentially devastated over the past several months and likely to be affected for the remainder of the year, what does the landscape look for those small business’ that bought vacation units primarily intended for rental to cover mortgage. Over the past...
by Xrayman69
Sat May 16, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Rent is increased by 6%, negotiation tips?
Replies: 62
Views: 5859

Re: Rent is increased by 6%, negotiation tips?

The OP may not be dealing directly with an “owner” as noted by the “leasing office”. If in a large complex, it’s no harm to just ask. Worst case scenario the answer is “no” and the OP is in the exact same current position with the same options: accept or decline and find new housing. I suspect that ...
by Xrayman69
Sat May 16, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56729

Re: How to get Toilet Paper ? seriously.

Costco is loaded with the 30 pack Kirkland brand. Got that yesterday. Costco in Seattle, no lines, no crowds, no issues. Plenty of paper products including TP. Still didn’t buy any as when we bought the 30 pack last year (December 2019) we still have at least a years supply. It was probably reflexi...