Search found 201 matches

by realitytruthprozac
Fri Aug 05, 2011 3:08 am
Forum: Personal Consumer Issues
Topic: Best site for finding cheap hotel rooms?
Replies: 46
Views: 8768

I've used hotwire.com with success
by realitytruthprozac
Fri Aug 05, 2011 3:06 am
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 42
Views: 7543

This is correct.
Bonds are in a bubble.
Stick with value stocks.
by realitytruthprozac
Fri Aug 05, 2011 3:05 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are Weird
Replies: 16
Views: 2697

Don't worry, you have about 10% less assets in 1 week, so the process should be less complex than it would have been a week ago! Great positive attitude! It's infectious. If the market would go down another 40%, that would be even better! Stay the course!
by realitytruthprozac
Fri Aug 05, 2011 3:03 am
Forum: Personal Investments
Topic: Can't stay the course
Replies: 94
Views: 15470

Next time, try selling stocks after they're UP 10% in 7 days. Not vice versa. It's sell HIGH, not low. Welcome to investing.
by realitytruthprozac
Fri Aug 05, 2011 3:01 am
Forum: Personal Consumer Issues
Topic: .....
Replies: 79
Views: 9206

For Bogleheads, the more appropriate article would be to compare buying a used Honda Civic vs. buying a used Ford Focus.
by realitytruthprozac
Wed Aug 03, 2011 11:29 am
Forum: Investing - Theory, News & General
Topic: 200-day moving average market timing
Replies: 1201
Views: 430003

200MA has been breached. Remember, greedy pigs get slaughtered.
by realitytruthprozac
Wed Aug 03, 2011 11:29 am
Forum: Investing - Theory, News & General
Topic: Are 200-day market timers ready?
Replies: 185
Views: 44497

200MA has been breached. Remember, greedy pigs get slaughtered.
by realitytruthprozac
Wed Aug 03, 2011 11:20 am
Forum: Investing - Theory, News & General
Topic: ....
Replies: 116
Views: 21475

FredFlintstone,
stop apologizing for the updates.
I'm glad someone is keeping score at home.
Thank you, and please keep doing it.
by realitytruthprozac
Mon Jul 25, 2011 11:14 pm
Forum: Personal Investments
Topic: Am I the only one getting nervous about U.S. default?
Replies: 70
Views: 8914

Here's one vote for dumping all your bonds.

Otherwise, just stick your head in the sand, and come up for air at age 65.
(and keep your fingers crossed. That's big)
That is the "buy and hold" way.
Or the "Hold steady" way.
Or whatever they're calling it now.
by realitytruthprozac
Sun Jul 17, 2011 11:13 am
Forum: Personal Investments
Topic: indentifying inefficiencies in an efficient market
Replies: 95
Views: 6063

The market is not efficient. This is an ignorant myth that has been debunked many many times.
by realitytruthprozac
Tue Jul 12, 2011 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Giving money at a wedding: how much?
Replies: 56
Views: 5483

This is something to ask your peer group who is attending the same wedding, not a question to ask on a cheapskate forum !
by realitytruthprozac
Tue Jul 12, 2011 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 21224

HornedToad wrote: I know what the professors' make and it is shockingly low considering their skillset in the technical fields. .
They work 2 days a week, for a few months a year. That's why.
by realitytruthprozac
Sat Jul 02, 2011 10:23 pm
Forum: Personal Consumer Issues
Topic: Red Wine as Benefit to Health?
Replies: 41
Views: 6048

Wine makes you FAT. Period.
Don't believe all the crap you read.
by realitytruthprozac
Sat Jul 02, 2011 10:15 pm
Forum: Personal Investments
Topic: Talk me off my ledge, if you can
Replies: 77
Views: 7360

Well, here's one vote for JUMP !
It's just plain foolish to be in these bond markets.
by realitytruthprozac
Sat Jul 02, 2011 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Limiting your career by not moving
Replies: 7
Views: 1570

Not moving just to not sell a house for a few bucks lower is a mistake. Short term vs. long term. Regardless, please just stop talking about this "retire at 45" stuff. It's crazy talk. You won't do it. Almost no one does. You have higher odds of living paycheck to paycheck at 45 with 2 or ...
by realitytruthprozac
Sun Jun 26, 2011 10:51 am
Forum: Personal Investments
Topic: ING: Why are CD's yielding less than savings accts?
Replies: 13
Views: 2298

Thanks, but I'm not looking for allocation advice from Bogleheads. It's just a bit too cult-ish for me (Always stay invested! The markets are 100% efficient! You'll never beat the market!) Yea, I don't think so. Since bonds offer poor risk/reward right now, and it may be time to get out of stocks ba...
by realitytruthprozac
Sun Jun 26, 2011 8:27 am
Forum: Personal Investments
Topic: ING: Why are CD's yielding less than savings accts?
Replies: 13
Views: 2298

I think I am going to move $250k to ING savings.
No need to be sitting in a MM. In fact, it's dumb!
by realitytruthprozac
Sun Jun 26, 2011 8:14 am
Forum: Personal Investments
Topic: ING: Why are CD's yielding less than savings accts?
Replies: 13
Views: 2298

swyck, not MM, but you mean the savings account, correct?
Keep it in savings, since it's yielding more than a CD.

It's insane to have anything in a MM, as you get less return for more risk.
by realitytruthprozac
Sun Jun 26, 2011 7:59 am
Forum: Personal Investments
Topic: ING: Why are CD's yielding less than savings accts?
Replies: 13
Views: 2298

I don't think its a loss leader, but rather an inverted yield curve.
ING is not the only one doing this...

Chase
Savings acct = .50%
6 month CD = .25%
by realitytruthprozac
Sun Jun 26, 2011 7:29 am
Forum: Personal Investments
Topic: ING: Why are CD's yielding less than savings accts?
Replies: 13
Views: 2298

ING: Why are CD's yielding less than savings accts?

CD = .75%
Savings acct = 1%

How does this work?
by realitytruthprozac
Fri Jun 24, 2011 10:43 pm
Forum: Personal Consumer Issues
Topic: Should I continue to play golf?
Replies: 42
Views: 5135

Re: Should I continue to play golf?

thebogledude wrote: 4, No need to buy rain gear. No one plays golf in the rain. No need to buy a golf towel either.
Sorry, but you can't possibly be a real golfer if you don't see the value of a golf towel. It doesn't have to be raining to need to remove divot mud from your club head.
by realitytruthprozac
Wed Jun 22, 2011 11:06 pm
Forum: Personal Consumer Issues
Topic: Should I continue to play golf?
Replies: 42
Views: 5135

Are you kidding?
Golf is one of the cheapest hobbies out there.

$20 to walk 18 holes for 5 hours of activity.
That's $4/hr.

Or spend $3000 for a small private club and have unlimited golf for several months. That's hundreds of hours of entertainment.

You can get a used set of clubs for $200.
by realitytruthprozac
Wed Jun 22, 2011 1:55 pm
Forum: Personal Investments
Topic: Friend seeking 5% yield from bond(s). What to tell him?
Replies: 26
Views: 3745

Friend seeking 5% yield from bond(s). What to tell him?

> Find me something that will return 5% (not risk free, but not super > risky). Can be taxable. I hold no bonds right now, so I have no idea what typical rates are. What would you suggest? Muni, Treas, or Corporate? ETF or indiv issues? Any specific ETF tickers/securities are much appreciated!
by realitytruthprozac
Mon May 09, 2011 12:07 pm
Forum: Investing - Theory, News & General
Topic: ....
Replies: 116
Views: 21475

She is not a market timer. She's an analyst. She didn't forsee the record bond bubble inflows by yield chasers (who will get burned, eventually) There are structural problems with munis. Even if it takes 7 years to play out, it doesn't make her analysis wrong. Doesn't mean she can turn that into pro...
by realitytruthprozac
Sun May 08, 2011 10:50 am
Forum: Investing - Theory, News & General
Topic: Commodities crumble. Stocks fall four days in a row.
Replies: 75
Views: 8292

I literally just started investing this week. I've watched my targeted retirement account plummet each day so far. I'm 30 years off from retiring so it's hardly a big deal but I couldn't help but say to myself "good timing moron." :) Anyway, been lurking on the site for a while, first pos...
by realitytruthprozac
Thu May 05, 2011 7:42 pm
Forum: Personal Consumer Issues
Topic: do bogleheads have no aspirations for "flashy wealth&qu
Replies: 69
Views: 6889

I say he caves.
by realitytruthprozac
Thu May 05, 2011 7:23 pm
Forum: Investing - Theory, News & General
Topic: Commodities crumble. Stocks fall four days in a row.
Replies: 75
Views: 8292

Let's track Matt's results in HY bonds starting today.
What fund are you holding your 95% in ?
by realitytruthprozac
Thu May 05, 2011 7:18 pm
Forum: Investing - Theory, News & General
Topic: Demand Collapse or Not?
Replies: 11
Views: 1903

See, according to Bogleheads, the market is perfectly efficient. There is no way you can ever beat the market, b/c all prices are perfect. That means demand dropped almost 10% in a single day. Yesterday, it was perfectly priced at $110. Today, is it perfectly priced at $100. Oh, and there is no such...
by realitytruthprozac
Thu May 05, 2011 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

jenny345 wrote:I hear it is hard finding sensitive, tactful guys in their thirties. What do you think realitytruthpro? Could that possibly be true?
Maybe just as hard as it is to find women who can handle reality and truth, without prozac ?
by realitytruthprozac
Wed May 04, 2011 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

jenny345 wrote: By your fifties many of your friends will have been divorced and in financial ruin. You won't regret being financially cautious in your thirties.
Jenny, let's hear some specific stories about what you've seen...
by realitytruthprozac
Wed May 04, 2011 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

Men aren't intimidated by 30-something single moms.
They're just not that into you.
by realitytruthprozac
Wed May 04, 2011 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

Actually, I don't have a timeline. If she was 23 and not 33, we wouldn't be having this discussion about marriage for at least a few years. But you do. You said that "dating sucks in your 30s". In fact, it doesn't. You're just not that good at it, so you are frustrated. This suggests you ...
by realitytruthprozac
Wed May 04, 2011 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

Latecomer wrote:Many teachers I know are not really that interested in investing...........It seems that her desire to continue her house payment is indicative of integrity.
Or, it may follow that she simply is too lazy or dumb to figure out how to work the system to her advantage, as OP is suggesting.
by realitytruthprozac
Wed May 04, 2011 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

Okay, so let's pin this down. Is the OP worried that she has -$100k net worth? Or is he worried that this debt could conceivably be eliminated, and he can't stand the idea of not eliminating it? Exactly. OP is just wanting her to clear the debt when it can be done with minimal consequence. He said ...
by realitytruthprozac
Mon May 02, 2011 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

Re: Marriage when you own two houses in a bad housing market

This is the one point that's not holding up for me. So, you are fine going back and forth to this house for dating purposes - when you both live in different places and it is likely doubly inconvenient. But, you won't drive back and forth when you are both going to the same place every night? That ...
by realitytruthprozac
Sun May 01, 2011 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

These few sentences tell me, it is all about YOU, YOU, and YOU in all of this. Very selfish. You nailed it. You're good. This is why marriage is a bad idea for him. Marriage is not for everyone. She's taking all the risk, with no upside to it as far as I can see. . I don't follow your logic. What r...
by realitytruthprozac
Sun May 01, 2011 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

Sorry, if this all sounds unromantic to you guys, but I've always been a prudent person who evaluates the risks before I do things. Doing impulsive things are just not in my nature. Maybe I'm a commitment phobe and not the marrying type? I guess I'll figure that one out soon enough. The simple answ...
by realitytruthprozac
Sun May 01, 2011 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

One options is to just bail out her underwater mortgage, so I'm wondering how much that would cost you? What did she pay for the house, and what is it worth now? Otherwise, what is the realistic method of her dumping the house? She won't lose anything in a short sale, but she'll get a credit hit, ri...
by realitytruthprozac
Sun May 01, 2011 2:54 pm
Forum: Personal Consumer Issues
Topic: Vacuum cleaner
Replies: 32
Views: 4661

Miele is exactly what you need.
by realitytruthprozac
Sun May 01, 2011 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage when you own two houses in a bad housing market?
Replies: 137
Views: 12907

Mathwhiz, Remember the med student girl you were dating, whose student loan debt you were complaining about? What ever happened to that relationship? http://www.bogleheads.org/forum/viewtopic.php?t=40779&postdays=0&postorder=asc&start=0 The new one sounds like a decent woman who tried to...
by realitytruthprozac
Sun Apr 24, 2011 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: MId Life Career Advice needed
Replies: 28
Views: 4640

linuxuser, what work did you used to do in 2001?
How do you explain your drop in pay despite another decade of experience?
by realitytruthprozac
Sun Apr 24, 2011 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: financing a home remodel
Replies: 8
Views: 1463

Obviously, the question is: What is your total net worth, excluding this $600k home?
by realitytruthprozac
Tue Apr 19, 2011 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Sell now or stay put?
Replies: 9
Views: 1548

Stay put. You have no idea what you'll want 5 years from now. Save the money. Moving now is stupid.
by realitytruthprozac
Sun Apr 17, 2011 3:20 pm
Forum: Personal Investments
Topic: $1 million to invest. Muni fund or individual bonds?
Replies: 23
Views: 3132

Bad idea.
Diversification risk.
Interest rate risk.
Credit quality risk.
Not worth 4%
by realitytruthprozac
Sun Apr 03, 2011 12:29 pm
Forum: Personal Consumer Issues
Topic: Honda Civic Si with 70K miles -- sell, or keep?
Replies: 25
Views: 6211

You are probably just now in the sweet low spot of the bathtub curve , in reliability engineering parlance. Think of those 70k miles not as wear, but as burn-in testing. ;) -Janet For a typical economy car, if you had to identify the mileage thresholds for the 3 stages of the bathtub, what would it...
by realitytruthprozac
Sun Apr 03, 2011 12:04 pm
Forum: Personal Investments
Topic: Postnuptial agreement for asset protection? Wife is MD
Replies: 15
Views: 3129

Do doctors ever get sued for personal assets? Doesn't she have malpractice insurance?
by realitytruthprozac
Sun Mar 27, 2011 11:53 am
Forum: Investing - Theory, News & General
Topic: Why Active Bond Funds Bomb
Replies: 76
Views: 9241

Rick, you've spent a lot of energy trying to debunk active mgmt. With bonds, I tend to agree, as mgmt fees are proportionally significant to returns of the underlying asset. However, with stocks, this logic is weaker (Variance returns of -30% to +100%). Many timing methods work well, which is a form...
by realitytruthprozac
Sun Mar 27, 2011 11:48 am
Forum: Personal Finance (Not Investing)
Topic: The ultimate anti-Boglehead
Replies: 24
Views: 4705

He has doubled his money, yet he doesn't see it that way.
This is a classic rookie mistake.
He will lose all his money on this trade, unless it clears $3.50
by realitytruthprozac
Sun Mar 27, 2011 11:43 am
Forum: Personal Finance (Not Investing)
Topic: How to sell a Diamond.
Replies: 22
Views: 6115

www.craigslist.com

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