Search found 84 matches

by TNWoods
Wed Jun 24, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5311
Views: 474614

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I hope he reconsiders. Tough to be contributing to a site where you’re constantly derided for an alternate opinion. And it wasn't even the alternate opinion from THIS thread, it was very good advice concerning necessary tax considerations from a very specific situation another poster had asked abou...
by TNWoods
Wed Jun 24, 2020 8:00 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5311
Views: 474614

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Anyone know if Hedgefundie updated performance? It is my understanding that due to harassment from certain zealots in another thread that he has left the bogleheads website. Search for the last posts by him if you're interested in seeing how to rid the boards of any interesting, thoughtful and help...
by TNWoods
Fri Jun 19, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9242

Re: Tipping why % of bill and not flat amount?

I vote we petition whoever has the username "Karen" to relinquish it so it can be claimed by its rightful owner.

TNWoods
by TNWoods
Fri Jun 19, 2020 3:36 pm
Forum: Personal Investments
Topic: Adult children purchasing mothers quadplex
Replies: 8
Views: 657

Re: Adult children purchasing mothers quadplex

Perhaps buy it for fair market value with a $300,000 downpayment, and then make monthly payments to her until you all inherit it, or you decide to pay off early.

TNWoods
by TNWoods
Fri Jun 19, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9242

Re: Tipping why % of bill and not flat amount?

Springs, I think you should stop going out to eat.

TNWoods
by TNWoods
Wed Jun 17, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9242

Re: Tipping why % of bill and not flat amount?

I definitely don't go to enough fancy restaurants like some of the posters here. What makes a waiter "good" or "bad"? The kitchen staff decides how fast or how good the food is cooked, so short of doing something like spilling your drink, how much difference can good or bad service make? Or do you ...
by TNWoods
Sat Jun 13, 2020 6:27 am
Forum: Investing - Theory, News & General
Topic: Crypto Exchange goes bankrupt after owner dies with only password
Replies: 111
Views: 15472

Re: Crypto Exchange goes bankrupt after owner dies with only password

Iorek wrote:
Mon Feb 04, 2019 11:05 pm
I saw someone on twitter refer to cryptocurrency as dunning-krugerrands.
That is brilliant, and I wish I had thought of it!

TNWoods
by TNWoods
Wed Jun 10, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9242

Re: Tipping why % of bill and not flat amount?

I always leave very large tips as a percentage of the bill when I eat at a Denny's, Waffle House, small diner, etc. The people who wait tables at very cheap restaurants are the ones who need the money most. If I have a coffee, they're getting a $5 tip. Coffee and pie, $10. A meal, $20. When I am eat...
by TNWoods
Wed Jun 03, 2020 9:49 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536496

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

Up 4.8% on the year, and this does not include any new contributions. I have some in a HEDGEFUNDIE account. I have an old taxable account, and an old rollover IRA that both have an assortment of individual stocks, from pre-Boglehead forum days. As long as they each keep out-performing VTSAX, they'll...
by TNWoods
Thu May 28, 2020 3:56 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5311
Views: 474614

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Just curious and had a look at robintrack for what robinhood users were using UPRO and TMF. Over 9,000 users held UPRO and 700 users holding TMF. Under 100 holding TYD. 22,000 holding TQQQ. Not much risk parity going on there. I think robinhood is a favorite of the /WSB crowd, so that makes sense. ...
by TNWoods
Thu May 28, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5311
Views: 474614

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

For the time period I have been participating, mid-July last year:

VTSAX: 0.0%
UPRO/TMF: 51%

(started 60/40, changed to 55/45 about a month later)

TNWoods
by TNWoods
Wed May 06, 2020 6:44 pm
Forum: Investing - Theory, News & General
Topic: Why is lump sum investment option better than DCA?
Replies: 156
Views: 5835

Re: Why is lump sum investment option better than DCA?

Several of the replies have repeated that lump is better 2/3 of the time, DCA only 1/3. Those numbers make it look super clear cut. But they are GENERALLY speaking, BROAD rule-of-thumb numbers. In a very volatile time, like right now, if you back test with the specific market behavior we have observ...
by TNWoods
Sat May 02, 2020 1:54 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5311
Views: 474614

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Well, this is part of my confusion. If someone like OP is relatively evenly split, give or take a bit, between (again, I'm rounding/eyeballing) Asset Class A that is down 75% and Asset Class B that is up 50%, haven't they in fact lost a lot recently? Tone is hard to tell online, but you seem annoye...
by TNWoods
Sat May 02, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5311
Views: 474614

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I admire HEDGEFUNDIE for posting the results of his strategy through March 18th in the first post of this thread, here, and hope he will continue to keep it updated. It's not trivially easy to follow it independently because PortfolioVisualizer only has monthly data and because I'm not completely s...
by TNWoods
Fri Apr 24, 2020 6:53 am
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11505

Re: Poor Publix employee seeking 401k investment advice

My advice is based upon knowing several Publix employees. One of them was shooting some video at a distribution warehouse for a training film. Suddenly on the loading dock several of the 50+ year olds started whooping and hollering. My friend asked the supervisor what was going on, and she told him ...
by TNWoods
Sun Mar 22, 2020 2:39 pm
Forum: Investing - Theory, News & General
Topic: anyone accelerating their 401/457/403 contributions in next X weeks/months?
Replies: 27
Views: 1462

Re: anyone accelerating their 401/457/403 contributions in next X weeks/months?

I front loaded my HSA for the year, thinking, "Lump sum beats DCA, that's what all the bogleheads have been telling me. So this year, let's do it!" So my full HSA limit was contributed by end of February. Sigh. My 401(k), however, is still set up for even contributions through the year. I am thinkin...
by TNWoods
Sat Mar 21, 2020 10:23 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 52165

Re: How Is Your Job Being Impacted By The Current Crisis?

Not at all. Small company, non-retail, over 50% of staff already work from home in multiple states, I am one of those. Of the remaining staff, all but one are now working from home, only 1 goes into the office, and that is mainly to pick up mail, otherwise he'd also be working from home. We already ...
by TNWoods
Tue Mar 03, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: 2.5% spike in one minute?
Replies: 13
Views: 1377

Re: 2.5% spike in one minute?

Probably a result of algorithms kicking in based on the Fed Rate Cut that was announced a few minutes before.

TNWoods
by TNWoods
Sat Feb 29, 2020 3:37 pm
Forum: Personal Investments
Topic: Sell now and start buying back in 3 months
Replies: 80
Views: 6204

Re: Sell now and start buying back in 3 months

OP, You may be right in your decision, but you also need to have a clear idea about when and how to get back in, so make sure you are very clear in your mind about that. You don't want to get out, watch a big decline, feel good about having made the right decision, then get caught standing there whe...
by TNWoods
Tue Feb 25, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8504

Re: How quickly did you receive your 2019 tax refund?

Filed
02/15/20

Deposit received
02/25/20

TNWoods
by TNWoods
Thu Feb 20, 2020 2:30 pm
Forum: Personal Investments
Topic: Single stocks... would you?
Replies: 125
Views: 8648

Re: Single stocks... would you?

Why? I am still getting the equivalent of 5% dividend on my cost basis. That's not a valid way to look at it. You must look at the return based on the present value, because the present value represents the amount you COULD be getting a return on elsewhere. If you buy for $5.00, and the stock appre...
by TNWoods
Sun Feb 16, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: How does everyone visualize their finances?
Replies: 48
Views: 3460

Re: How does everyone visualize their finances?

I have 7 different accounts and use a spreadsheet. I have different tabs on the spreadsheet with formulas that tell me different things I have wanted to know. One of those tabs is where I enter the values for those 7 accounts, and it feeds the other tabs. I takes about 3 or 4 minutes for me to log o...
by TNWoods
Tue Feb 11, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Internet and basic tv options?
Replies: 44
Views: 3328

Re: Internet and basic tv options?

CBS, NBC, ABC, Fox, PBS, CW are all available for free, streaming, from puffer.stanford.edu. You must be in the United States, and you must use Chrome or Firefox or Edge. Safari doesn't support the streaming protocol they use. It does become unavailable when there is high demand. (I couldn't connect...
by TNWoods
Sat Feb 08, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: What do you/did you spend your bonus on?
Replies: 103
Views: 8050

Re: What do you/did you spend your bonus on?

I have a very frugal lifestyle mentality, so last year's bonus has me saying "yes" more quickly and more often to things I would normally just say "no" too. VIP seating for an upcoming concert, tipping 100% (and more for for cheap places like Waffle House), more restaurant eating on impulse, etc. I ...
by TNWoods
Fri Feb 07, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Where to buy bulk/junk silver coins? It's not what you think.
Replies: 56
Views: 4938

Re: Where to buy bulk/junk silver coins? It's not what you think.

[Comment removed -- mod oldcomputerguy] OP, I think that in the worst-case scenario that you have described, (either in the original post or in any follow-up reply), plain old paper will still be accepted by everyone. The reason is that everyone will know that the disaster event is affecting them, ...
by TNWoods
Wed Jan 22, 2020 6:26 pm
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 227
Views: 16743

Re: 2020 Hedge Fund contest

Here are the tickers that got more than one mention: TSLA: 5 Long, 17 Short AAPL: 6 Long, 4 Short BA: 4 Long, 4 Short GE: 6 Long, 2 Short AMD: 3 Long, 2 Short BYND: 2 Long, 1 Short FB: 2 Long, 1 Short M: 1 Long, 2 Short VZ: 1 Long, 2 Short BIIB: 1 Long, 1 Short DOCU: 1 Long, 1 Short MDR: 1 Long, 1 S...
by TNWoods
Tue Jan 21, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: [Used] car philosophy
Replies: 23
Views: 1640

Re: User car philosophy

In 2003 I bought a '93 Jeep Cherokee with 57,000 miles on it. I drove it until about 2 years ago, putting 4000 to 6000 on it each year. It was very reliable until the last couple years I had it, but even then the repairs were not that big of a deal. The very last year was rough, so I finally decided...
by TNWoods
Tue Jan 14, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 29692

Re: Do you plan to actually spend down your portfolio?

My plan is to withdraw less each year than the portfolio grows. That way when it is time for me to go into assisted living and then a nursing home I can get a nice one.

That's the plan, anyways.

TNWoods
by TNWoods
Fri Jan 10, 2020 5:13 pm
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 227
Views: 16743

Re: 2020 Hedge Fund contest

TNWoods MoneyMouth Fund

Long:
AAPL
MSFT
MA

Short:
TSLA
UBER


TNWoods
by TNWoods
Tue Dec 31, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 10990

Re: How much were you able to save this year?

feh wrote:
Tue Dec 31, 2019 12:56 pm
Roughly $90K on $120K gross household income.
Nice!

TNWoods
by TNWoods
Tue Dec 31, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 10990

Re: How much were you able to save this year?

I saved 57% of my gross pay. (If I include employer match and the defined benefit plan, that makes 66% of gross went into savings/investments.) 22% of my gross went to taxes and health insurance straight out of my paycheck. I had a small number of one-off type expenses, (back yard fence, shed, tree ...
by TNWoods
Sat Dec 28, 2019 4:05 pm
Forum: Investing - Theory, News & General
Topic: Investing at an early age vs late theory
Replies: 60
Views: 3745

Re: Investing at an early age vs late theory

To be honest, this sounds like a poor argument to delay saving. Invest early and often. I have learned this the hard way. Had we started saving in earnest when we should have, then I would be able to retire several years earlier than I probably will. But it's not an argument to delay saving at all,...
by TNWoods
Sat Dec 28, 2019 3:31 pm
Forum: Investing - Theory, News & General
Topic: Investing at an early age vs late theory
Replies: 60
Views: 3745

Re: Investing at an early age vs late theory

Ok, I made a spreadsheet where Andy invested $5000 when he was 25, and then the next year he invested 2% more, $5100. He did that for 10 years, stopping contributions at age 34. Then Bob started investing at age 35, and his first year investing was $6094.97, equal to 2% more than Andy's last contrib...
by TNWoods
Sat Dec 28, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: Investing at an early age vs late theory
Replies: 60
Views: 3745

Re: Investing at an early age vs late theory

Don't think of it as a 25 yr old and a 35 year old starting at the same time, and then compare two different ending totals separated by 10 years and then calculating money then vs money now. Think of it as a pair of twins, one starts saving at 25, the other doesn't start till 35. They turn 60 at the...
by TNWoods
Thu Dec 19, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Excel Formula Cannot Figure Out
Replies: 28
Views: 1730

Re: Excel Formula Cannot Figure Out

I was all psyched to learn about the "IFS" and then I see it's only available for Office 2019. I'm a couple versions back...

I'll remember it for the future when we get upgraded. If I'm still working.

TNWoods
by TNWoods
Thu Dec 19, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Excel Formula Cannot Figure Out
Replies: 28
Views: 1730

Re: Excel Formula Cannot Figure Out

You could nest several "IF" formulas by replacing the "128" with a complete "IF" formula, and then nest one in that formula, and so on. You could also calculate years of employment (use "rounddown" to get a whole number) and use that value for a "vlookup" to a small table of the correct answers. TNW...
by TNWoods
Mon Dec 02, 2019 4:31 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8460

Re: Favorite stock(s) and why

AAPL because it has turned each $1.00 I spent then into $3.31 now, and it doesn't seem to be done.

TNWoods
by TNWoods
Mon Nov 25, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where to take out a Roth 401k loan?
Replies: 12
Views: 686

Re: Where to take out a Roth 401k loan?

Roth IRA contributions can be taken out at any time with no penalty, but, of course, that means your Roth is no longer earning as much as an investment vehicle. But since you have it, could you not go to any bank and get a personal loan using your Roth contribution total as collateral? (The bank wou...
by TNWoods
Fri Nov 22, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Getting text messages (spam?) offering to buy my home
Replies: 25
Views: 2362

Re: Getting text messages (spam?) offering to buy my home

I get 1 or 2 offers to buy my house for cash in the regular US Mail every week. The envelopes, letters inside, and sometimes postcards are usually printed using a typeface that is meant to look like handwriting, to fool you into opening the spam letter. Once the envelope had a clear plastic window, ...
by TNWoods
Tue Nov 05, 2019 7:47 am
Forum: Personal Investments
Topic: Those who buy SOME individual stocks, where do you put them?
Replies: 12
Views: 1101

Re: Those who buy SOME individual stocks, where do you put them?

Before I found this forum I had an old IRA that was managed by a guy at Morgan Stanley. I took the account over and it is still in individual stocks. YTD it is up 34%, so I'm still letting it ride. Long term it is also better than market, especially now that I'm not paying those AUM fees. I don't tr...
by TNWoods
Sat Oct 26, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: Wireless exterior video camera
Replies: 20
Views: 2213

Re: Wireless exterior video camera

I don't have any recommendation, but I do want to note that 50' through 4 walls might be an issue. To deal with that issue you'll want to use the 2.4GHz band rather than the 5GHz band when connecting over WiFi. (Google "WiFi 2.4 vs 5" to read more, if needed.) Also, (or instead of), you can get a Wi...
by TNWoods
Sun Oct 06, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: Preferred Stock Analysis Strategies?
Replies: 5
Views: 486

Re: Preferred Stock Analysis Strategies?

Hello everyone, I'm a relatively young investor (21 yrs) and I'd like to learn about some analysis strategies that other Bogleheads use when looking into a company to buy shares in. Currently, I read into the annual report and at earnings data as well as company/industry news before making a decisi...
by TNWoods
Fri Oct 04, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5311
Views: 474614

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

How to setup quarterly rebalancing? 1st of every 4 months based on the month you start? or should it be Jan 1, May1, Sep1 ...? Thanks. That would be "thirdly" instead of "quarterly". Some folks do every 3 months based on the specific date they started, others moved it to the 1st of the month to mak...
by TNWoods
Thu Oct 03, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? New to this stuff
Replies: 33
Views: 4487

Re: What would you do? New to this stuff

I suggest paying off those 6% student loans tomorrow in full. You'll still have $10,000 in the emergency fund, plus the $15,000 free cash, plus $2000 each month to build back up the emergency fund (which could stop at 6 months expenses instead of 12 and still be a pretty good e-fund). With monthly e...
by TNWoods
Thu Sep 26, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Any Expats wishing to check in?
Replies: 4
Views: 670

Re: Any Expats wishing to check in?

I'm hoping to be a foreign nomad until shortly before cremation. This sounds really interesting. At the risk of hijacking the thread, can you elaborate? Like which countries will you target, how long you will stay in any one place, if you will seek any employment, what type of accommodations you wi...
by TNWoods
Fri Sep 20, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8856

Re: How to handle "split-the-bill" group lunches?

And I vehemently disagree that what you are saying is the reality. It is NOT being inconsiderate (if you say it up front, that is; it is very inconsiderate to say it after the meal!). And it is NOT making their job harder than it has to be. Separate checks actually IS PART OF the job in the first p...
by TNWoods
Fri Sep 20, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8856

Re: How to handle "split-the-bill" group lunches?

To some extent I think there is a bit of a regional differences. In parts of the country when eating out with 2 other couples, the server always asked how to split the bills across a dozen restaurants. In other parts of the country all the menus said "No separate checks". Most of those I found will...
by TNWoods
Fri Sep 20, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8856

Re: How to handle "split-the-bill" group lunches?

Sounds like you're describing a 3 Stooges episode where they pose as waiters, not an actual restaurant with servers who are mildly competent at their jobs. I don't think that's fair. It's about being considerate of servers who work hard and not making their job harder than it has to be. And I vehem...
by TNWoods
Fri Sep 20, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8856

Re: How to handle "split-the-bill" group lunches?

I still don't really see the point of doing it in the first place... The point is to save the server from the hassle of keeping track of individual checks in a potentially large group and remembering who ordered which drinks and how many and which appetizers and which desserts and remembering to pu...