Search found 403 matches

by cashboy
Mon May 25, 2020 9:38 am
Forum: Personal Investments
Topic: Timing the Market
Replies: 6
Views: 217

Re: Timing the Market

start this week. there, you have your answer. :happy

you can do it in 'stages' (like a certain amount each week/month) or all at one time.

search on 'lump sum dca' and do things in a way that makes you feel most comfortable.
by cashboy
Sun May 24, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 92
Views: 8285

Re: Approaching 40, worried about financial future

I am about to turn 40 in a year or so. Recently I have become ever more worried about my/our future. I earn about $83,000. My retirement accounts are about $111,000. I am for 67/33 stock and bond approach. I worry that reading about people who are about to retire with $1m to $2m - that we'd never g...
by cashboy
Sun May 24, 2020 3:14 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 79
Views: 5505

Re: Has anyone ever used their Emergency Fund?

yes, i 'use' my EF to SWAN.

:happy
by cashboy
Thu May 21, 2020 2:54 pm
Forum: Personal Investments
Topic: Diehards advice on missing the dip
Replies: 20
Views: 3247

Re: Diehards advice on missing the dip

I feel terribly guilty, that by not investing in the dip I have betrayed myself and delayed my return, and I also feel I’ve been a poor steward of my family member’s gift. nothing to feel guilty about; you still have the money. if you lost that money at a casino then you could feel guilty. :happy g...
by cashboy
Thu May 21, 2020 2:23 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6032

Re: I freaked out…now what?

based on your post, i would suggest that you set a period of time where you don't do anything related to this subject (1 week, 2 weeks, 1 month, etc. - you pick the duration but pick it and stick to it). this provides some scheduled 'down time' for you to relax. during this period of 'doing nothing'...
by cashboy
Wed May 20, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2909

Re: Engagement Ring Help

in some ways, getting/receiving an engagement ring is one of those cultural 'norms' that one simply goes along with. it probably has the most 'emotional value' when first given. From that perspective, it does have 'value'. it is worth noting that there can be 'peer pressure' from the recipients frie...
by cashboy
Mon May 18, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Three years of emergency fund too much in this time?
Replies: 39
Views: 4292

Re: Three years of emergency fund too much in this time?

given your situation, cut it back to 2 years and call it a day. :happy
by cashboy
Mon May 18, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to poor life decision affecting job
Replies: 28
Views: 3186

Re: How to respond to poor life decision affecting job

Any advice for moving past this mistaken decision and finding happiness in the future? How have you dealt with similar disappointments/regrets? life is unfair; business less so. you were treated unfairly; happens all too frequently on the job. you made decisions; accept responsibility for them and ...
by cashboy
Sun May 17, 2020 2:24 pm
Forum: Personal Investments
Topic: Borderline personality disorder and investing
Replies: 16
Views: 1912

Re: Borderline personality disorder and investing

Basically I have two questions. 1. What tips and tricks do you guys have that could help me save money in the long run. Tricks that would work for someone who is so impulsive and is constantly moving between two states of mind. 2. Should I save and invest or just work on paying down my student loan...
by cashboy
Sun May 17, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4283

Re: How did you feel after giving notice to retire?

My feelings have wild swings but mostly focus on the decision being so final. Loss of income, loss of helping others, loss of being part of a team, loss of purpose. I'm sure there are positive feeling too, but I'm not seeing many of them yet. your feelings are quite normal for many. leaving one's c...
by cashboy
Sun May 17, 2020 10:26 am
Forum: Personal Investments
Topic: Starting from Scratch
Replies: 7
Views: 865

Re: Starting from Scratch

Hi! I’m new to investing and wanted to get some ideas about where to start/modify. best advice is to educate yourself on investing before making changes to your portfolio (and i mean that in a nice way). take a guess on how i know that to be true... :happy as a start, in addition to the advice from...
by cashboy
Sat May 16, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Increase Emergency Fund?
Replies: 16
Views: 1532

Re: Increase Emergency Fund?

Questions : Would you build your Emergency Fund up more than this 90 days in my situation? If so, how much? Would you the next bit in Prime Money Market, or use bonds/treasuries to not lose as much to inflation? given your situation as described: 1. if you can, yes, definitely 2. as much as you can...
by cashboy
Sat May 16, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Heating Oil prices
Replies: 13
Views: 843

Re: Heating Oil prices

one possible reason is that they are sitting on large quantities of oil they purchased before the recent price drops - either directly in their own tanks or indirectly via a contract with a supplier.
by cashboy
Thu May 14, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9402

Re: Turning 30. Living 30s without regrets

Don't expect to live without *any* regrets. Some are bound to creep in somewhere along the way. Be loving and forgiving. +1 also be loving and forgiving to yourself when you make a mistake or bad choice; accept responsibility for it and learn from it without beating yourself up over it. enjoy the 3...
by cashboy
Thu May 14, 2020 7:11 pm
Forum: Personal Investments
Topic: Target Retirement or 3 Fund Portfolio?
Replies: 15
Views: 1159

Re: Target Retirement or 3 Fund Portfolio?

We are considering VTHRX based on his retirement date but are wondering if a 3 fund portfolio would be better, inlcuding VTSAX, VTIAX, VBTLX. 3 fund portfolio is what i use. if you have not seen it already check out the first post in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&...
by cashboy
Mon May 11, 2020 2:28 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526440

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

three-funder

50/50 AA

down -2.15
(which seems amazing, all things considered)
by cashboy
Mon May 11, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8258

Re: Percentage of savings to "prepping"?

OP, i don't use a % of savings (but i know what you mean). instead, for most things, i use a 'duration' to be covered (like in your example, one year for that group). the duration is up to the individual - could be 3 days, 3 weeks, 3 months, etc. for example, for food (and as others have suggested),...
by cashboy
Mon May 11, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Layoff Imminent, seeking guidance.
Replies: 56
Views: 7302

Re: Layoff Imminent, seeking guidance.

So my questions are this: 1. Although my grave is likely dug, does anyone have experience with making a case to keep their job, even at lower pay/title, under these circumstances? It maybe futile, but perhaps I have a small window to influence an outcome. 2. Management has already taken a paycut. F...
by cashboy
Sat May 09, 2020 5:25 pm
Forum: Personal Investments
Topic: Recession coming (?) any change in investments?
Replies: 82
Views: 7148

Re: Recession coming (?) any change in investments?

Mrxyz wrote:
Fri May 08, 2020 3:25 pm
does the possible upcoming recession change anything at all??? More CDs instead of bonds etc etc.
for me, no.

my IPS was written to account for recessions (and i mean that in a nice way).
by cashboy
Sat May 09, 2020 5:21 pm
Forum: Personal Investments
Topic: Goal Reached - Now What?
Replies: 30
Views: 3344

Re: Goal Reached - Now What?

I guess my real question is: what do you do when you’ve reached your goal long before you needed to? just some general advice (non-financial) stop, take a deep breath, exhale, and laugh out loud. congratulate yourself on having reached your goal (not everyone does...). consider your options - with ...
by cashboy
Thu May 07, 2020 4:19 pm
Forum: Investing - Theory, News & General
Topic: Total market or S&P 500?
Replies: 44
Views: 3569

Re: Total market or S&P 500?

It is a well worn topic, lots of existing threads, and likely the least of any meaningful difference. They are by far more the same then they are different. That said, I prefer and use the S&P 500 index. I would not expect any higher returns. You might notice them over some particular time period, ...
by cashboy
Tue May 05, 2020 7:12 pm
Forum: Personal Investments
Topic: Close to retirement and don't know what to do
Replies: 33
Views: 4041

Re: Close to retirement and don't know what to do

many of us feel your pain and concern. just about everyone's portfolio has lower value now - you have company :happy do not do anything based on emotion - that will likely create undesirable outcomes. fill out the portfolio request 'soon' as others have suggested - this will help people here help yo...
by cashboy
Mon May 04, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: A Risk-Tolerance Question
Replies: 50
Views: 2541

Re: A Risk-Tolerance Question

because of the losing sleep AND worry, i would go with selling a 'percentage of equities' (not all) and buy/add to a bond fund now . example: 10% monitor sleep and worry levels and and repeat (if necessary). this provides some emotional/financial relief in that some action has been taken by the inve...
by cashboy
Mon May 04, 2020 6:56 pm
Forum: Personal Investments
Topic: Beginner hoping to avoid mistakes
Replies: 8
Views: 800

Re: Beginner hoping to avoid mistakes

welcome! this is a good link for a beginner 'foundation' (if you have not seen it already) - in addition to the other good advice already presented. https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy a great forum with many helpful and experienced investors. note that peopl...
by cashboy
Sat May 02, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16221

Re: Neighbor’s contractor wants to access our property

HomeStretch wrote:
Sat May 02, 2020 8:01 am
I would not sign it. Let the contractor figure out how to do the project within the other home owner’s property boundaries. The contractor should also be installing a temporary fence along the property line to prevent encroachment on your property.
+1
by cashboy
Sat May 02, 2020 3:27 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97004

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

interesting thread.

the OP says they are changing their AA (not a totally unusual event for an investor) and 23 pages later it is still being discussed. :happy

perhaps if it had a title of:

well, i am changing my AA... wish me luck

it might have made 2 pages at most. :happy
by cashboy
Wed Apr 29, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Should I accept a "free" vehicle from family member?
Replies: 22
Views: 2408

Re: Should I accept a "free" vehicle from family member?

My dad offered to give me his old truck in exchange for doing some favors to help him out in the past. based on this statement of yours, consider taking it and let your dad settle what he believes is his debt to you (even if you just throw a tarp over it in your driveway). but if you do put it on t...
by cashboy
Tue Apr 28, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Household budget advice please
Replies: 13
Views: 1081

Re: Household budget advice please

maybe break out lawncare and snow removal?
if nothing else gas and maintenance if you do it yourself, or $ if you pay someone.
by cashboy
Mon Apr 27, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8073

Re: Payoff house and quit good-paying job?

OP workingovertime,


when you have made your final decision please consider circling back and updating this post with what it is.
by cashboy
Sun Apr 26, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4383
Views: 1251707

Re: What Book Are You Currently Reading? Part VI

You Have the Right to Remain Innocent

https://www.amazon.com/You-Have-Right-R ... 1503933393

somewhat short and concise read.


bought it after watching this:

https://www.youtube.com/watch?v=d-7o9xYp7eE
by cashboy
Sun Apr 26, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: I want to bounce job ideas off of you
Replies: 19
Views: 2257

Re: I want to bounce job ideas off of you

the new job, for more money and stability, looks better. but, how much better (is it worth moving) can only be measured by you (and i mean that in a nice way). luckily you have a job until 12/2021. if it was me, i would look into the new job and take my time getting all of the information i can abou...
by cashboy
Sun Apr 26, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8073

Re: Payoff house and quit good-paying job?

Is this short-sighted? since you have a wife and kid, the answer is yes Why do you think that though? We have enough assets to pay off our house and significantly lower our expenses while maintaining sufficient emergency fund. My lowered income can still support the family with sufficient emergency...
by cashboy
Sun Apr 26, 2020 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8073

Re: Payoff house and quit good-paying job?

workingovertime wrote:
Sun Apr 26, 2020 10:20 am
Is this short-sighted?
since you have a wife and kid, the answer is yes
by cashboy
Sun Apr 26, 2020 12:08 pm
Forum: Personal Investments
Topic: Preparing for the storm ahead.
Replies: 59
Views: 6528

Re: Preparing for the storm ahead.

I have decent senority, but not enough to be safe from the chopping block. Honestly, I doubt all US airlines come out on the other side of this mess. Prepare for the worst and hope for the best, right? absolutely. you have been presented with several options for your consideration. all things consi...
by cashboy
Sun Apr 26, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security now, at 66, during Corona-virus?
Replies: 61
Views: 4960

Re: Take Social Security now, at 66, during Corona-virus?

congratulations on having the discipline to wait to 66 (from 62)!

delay to 70 (if one can) is the way to go (for most), but if circumstances change before then (whatever that might be) you have the option to take it at anytime.
by cashboy
Sun Apr 26, 2020 11:38 am
Forum: Personal Investments
Topic: Is it time for us to get out?
Replies: 20
Views: 2538

Re: Is it time for us to get out?

congratulations! if it is not time, you are certainly very close. ensure that what you 'think' are your expenses (that you have 25x of) are 'actually' all inclusive of what you spend now and will (or might ) spend later (unplanned expenses). also consider your 'expected' lifespan (family history, et...
by cashboy
Fri Apr 24, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: Which % to be held in bonds, if Not age?
Replies: 70
Views: 4307

Re: Which % to be held in bonds, if Not age?

50%

because that is what i have.

:happy
by cashboy
Fri Apr 24, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: A Problem? with the 3 Fund Portfolio - what to do with Market Education?
Replies: 22
Views: 1270

Re: A Problem? with the 3 Fund Portfolio - what to do with Market Education?

OP, only pursue a three-fund portfolio if it makes sense to you to do so (and i mean that in a nice way). i tried other approaches (does not matter what they are) and found three-fund by accident (or good luck). switched to three-fund. no regrets. But, i did it because it made sense to ME. as far as...
by cashboy
Fri Apr 24, 2020 10:36 am
Forum: Personal Investments
Topic: "Making money" by actively trading... but not beating the market
Replies: 76
Views: 3667

Re: "Making money" by actively trading... but not beating the market

Lowlim wrote:
Thu Apr 23, 2020 2:19 pm

I had a frustrating conversation with a friend recently.
i had/have a similar situation with a friend.

long story short, if i wanted to retain their friendship i should let it go. investing is a personal decision, and it is their money to gain or lose (and i mean that in a nice way).
by cashboy
Thu Apr 23, 2020 11:28 am
Forum: Investing - Theory, News & General
Topic: Who has changed FROM the 3 Fund Portfolio?
Replies: 28
Views: 2161

Re: Who has changed FROM the 3 Fund Portfolio?

For multiple reasons, simplicity being a big one, two years ago I changed from the three fund portfolio to the two fund portfolio. I have been at a 3 fund portfolio for several years. It has actually been more like a 2.5 fund portfolio since I don't have much in international compared with total st...
by cashboy
Thu Apr 23, 2020 11:21 am
Forum: Personal Investments
Topic: Laid off - Rollover 401K ?
Replies: 20
Views: 1506

Re: Laid off - Rollover 401K ?

I was recently laid off, and my 401K option is either keep it there or roll-over to another IRA or 401K account. The maintenance fee is .38% and the 401K amount is ~140K. I have another older 401K that only charges $16/quarter for admin maintenance. Do you recommend that I should roll over to Vangu...
by cashboy
Thu Apr 23, 2020 11:13 am
Forum: Personal Investments
Topic: When Is The Right Time to Reduce Portfolio Risk
Replies: 20
Views: 1523

Re: When Is The Right Time to Reduce Portfolio Risk

DW and I have a substantial investment portfolio and are in an enviable position with respect to our retirement years. I turned 71 earlier this year and DW turns 71 in a few months. Before the market crash I reduced the risk in our portfolio from 35%stock / 65%Fixed to 30%Stock/70% Fixed. After the...
by cashboy
Wed Apr 22, 2020 7:22 pm
Forum: Personal Investments
Topic: Your views on used car parts Industry
Replies: 31
Views: 1279

Re: Your views on used car parts Industry

I am currently looking at Advanced auto parts, GNTX , LKQ as I think they might be a good buy with sales of new cars projected to decline. Yes I know this is counter to indexing but have set aside some powder for individual stocks because I cant help myself. I invested in American Airlines, Jet Blu...
by cashboy
Wed Apr 22, 2020 11:17 am
Forum: Personal Investments
Topic: Follow along if you want (market timing maybe)
Replies: 26
Views: 2897

Re: Follow along if you want (market timing maybe)

thanks for sharing!

good luck moving forward from here!

:sharebeer
by cashboy
Wed Apr 22, 2020 10:55 am
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11831

Re: I'm out [of the market]

Quote for me a post on this thread where someone said that stocks aren’t risky or that they are guaranteed or that they are FDIC-insured. It’s fine to disagree with some posters’ opinions that some allocation to stocks is appropriate for the OP. But don’t imply that those posters are basing their r...
by cashboy
Tue Apr 21, 2020 2:57 pm
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11831

Re: I'm out [of the market]

I also don't get why you guys keep referring to Stocks as if they can't crash without a long recovery period required? It's as if you guys recommend Stocks as if they are tied to some FDIC insurance or something. Stocks are risky. Stocks aren't guaranteed. If you want 20% to 25% equities forever, t...
by cashboy
Tue Apr 21, 2020 10:23 am
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11831

Re: I'm out [of the market]

If the market drops 50% from here, and you get back in near the bottom, it’s genius. If it doesn’t do that, and you miss out on a lot of future gains, you’ll have less to leave your heirs. I’d do whatever helps you not worry about it. Why do you guys keep telling this man he needs to go back to Sto...
by cashboy
Mon Apr 20, 2020 4:35 pm
Forum: Investing - Theory, News & General
Topic: SS and Pension
Replies: 40
Views: 2815

Re: SS and Pension

Ok first off, I know there are many discussions bout this on the site, so I will keep my question brief and to the point as not to annoy anyone. According to Mr Bogle, SS and Pensions should be counted as part of your bond allocation. So if SS = 30k and pension = 15k no cola Looking forward say 20 ...
by cashboy
Mon Apr 20, 2020 3:39 pm
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11831

Re: I'm out [of the market]

thanks for sharing.

good look moving forward from here.

:sharebeer
by cashboy
Mon Apr 20, 2020 3:31 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72251

Re: Bogleheads community discussion - Coronavirus

You know, sometimes people make up their minds that some falsehood is true regardless of tons of evidence to the contrary. Is it a good use of anyone's time to argue with such a person? yes, with limits(not endlessly),because if someone does not speak up against outright falsehoods these falsehoods...