Search found 42 matches

by TNWoods
Sun Oct 06, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: Preferred Stock Analysis Strategies?
Replies: 5
Views: 365

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: 1266
Views: 77226

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: 3807

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: 643

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: 7583

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: 7583

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: 7583

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: 7583

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...
by TNWoods
Fri Sep 20, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 7583

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

What does Venmo do that cash doesn't? Eliminate the need for correct change! :wink: Sure you can ask the server to break a twenty, but that doesn't always work when everybody only has a twenty. It always seemed like people never planned ahead and everyone had just stopped at the ATM If you are anal...
by TNWoods
Fri Sep 20, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 7583

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

What is the reason for splitting the check evenly in the first place? The server is going to come back to the table with 4 checks, and is going to have to take 4 credit cards and process them, so it doesn't make less work for them... Not necessarily, the server can come to the table with only one c...
by TNWoods
Fri Sep 20, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 7583

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

In all my years of dining with friends I have never once had anyone request splitting the check evenly. Every single time we have said up front "separate checks please", and then specified which of us would be on the separate checks, (spouses & kids, or one of us treating another). What is the reaso...
by TNWoods
Fri Sep 06, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 7102

Re: Mensa membership

I just took this test: https://www.mensaiqtest.net/mensatest It is a fun test. It gave me a high score which makes me suspicious. Try it yourself. After taking the test, the final screen makes you register with your email address so they can send you the results. [Forget it.] TNWoods [Edit by moder...
by TNWoods
Fri Aug 30, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Cheap Amazon Mattress Recommendations?
Replies: 20
Views: 1540

Re: Cheap Amazon Mattress Recommendations?

Another recommendation for Zinus.

TNWoods
by TNWoods
Fri Aug 23, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8632

Re: Do you sacrifice to save?

Yes. I used to go on vacations, both domestic and overseas. I decided to stop doing anything except maybe a long weekend at a campground not too far from home. I can easily afford overseas vacations, but I'd rather save. I drove a vehicle that was in very bad shape, had a windshield leak and rust th...
by TNWoods
Tue Aug 13, 2019 3:45 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1266
Views: 77226

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

<hand raised>

About 5%, started 40/60 about a month ago, changed allocation & clicked the button today, so tomorrow will be 55/45.

Up 13.8%...trying to decide what color Lambo I will buy.

TNWoods
by TNWoods
Fri Aug 09, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9154

Re: Critique my exercise routine because it's not working for me

The typical marathon runner expends enough energy to burn only about a pound of fat, give or take. The key to losing weight is NOT exercise. The key to losing weight is to reduce your caloric intake. It is much easier to reduce your consumption of calories in the first place than it is to burn off c...
by TNWoods
Fri Jul 12, 2019 3:29 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 285478

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

dspencer, I share your frustrations and agree with you regarding m1. My experience with m1 has been sub-optimal as well to say the least. I had to keep emailing/calling them for nearly 2 weeks before anything would show up in my account. I would never use them as my primary institution. I have less...
by TNWoods
Mon Jul 08, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: Calculation of SS difference between working to 62 but delay withdrawls until 70 vs working until 70
Replies: 12
Views: 1147

Re: Calculation of SS difference between working to 62 but delay withdrawls until 70 vs working until 70

By not getting those 8 years of $100,000 entries to bump out 8 of the, say, $20,000 older entries, remember that the $20,000 entries are going to get a multiplier applied, so their final values for calculations will be higher, so the difference will be smaller. Then, since you are adding the 35 top ...
by TNWoods
Thu Jul 04, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 285478

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Well, I'm officially in for about 4.6% of my total portfolio.

Read every post, many of them multiple times, thought it over for a couple weeks.

TNWoods
by TNWoods
Wed Jul 03, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 6502

Re: Adult son has not controlled credit card overuse!

At this point it almost seems like piling on, but: 1. Don't loan or co-sign for a loan. 2. Buy them the Dave Ramsey books & class And, yes, people absolutely change in positive ways, especially financially. This entire website is dedicated to getting people to change the way they invest, and it is p...
by TNWoods
Tue Jun 11, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2608

Re: Laminating important documents - a good idea?

I recently began cooking using the Sous Vide method, and I bought a vacuum sealer. It was about $60, I think. The bags I use come in long rolls, you cut off the length you want, insert one end in the sealer, seal it, then put your food in and insert the other end and vacuum seal it. Takes about 30 s...
by TNWoods
Tue Jun 04, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 9184

Re: Costco or Sam's Club?

My experience is that Sam's house brand stuff is inferior to Costco's, especially with chocolate. My Sam's produce is always problematic, damaged, bruised, rotten with fruit flies, often I just leave and go to my normal grocery store. Sam's / Walmart work with manufacturers to make a cheaper/lower q...
by TNWoods
Mon Jun 03, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Debt vs Savings
Replies: 47
Views: 4590

Re: Debt vs Savings

Good for you. But I don't think the fact that you can do math is the only reason you can responsibly use credit. I think there is a good analogy between alcohol use and debt for many people who get in trouble with debt. Quite a few people drink too much (spend too much) when they are young and stup...
by TNWoods
Sat Jun 01, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Debt vs Savings
Replies: 47
Views: 4590

Re: Debt vs Savings

I’m frankly blown away at those suggesting putting an extra dollar towards the car loan before paying off the CC. I’m not familiar with Dave and the snowball but if he suggests turning down an 11% after tax return then I don’t really care to be. His target audience is people who are overwhelmed wit...
by TNWoods
Sat Jun 01, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Debt vs Savings
Replies: 47
Views: 4590

Re: Debt vs Savings

You gross 53K and have only 14K in debt. If you make up your mind to do it, you could probably be debt free in 12 months. That's barely over 1k per month. Cancel cable if you have it, no more restaurants, no movies, no new clothes, and so forth, for just one year. Pay off that credit card ASAP. 11%!...
by TNWoods
Wed May 29, 2019 8:21 am
Forum: Personal Investments
Topic: Holding cash
Replies: 8
Views: 1920

Re: Holding cash

Given that you want very low risk options, it seems that everything suggested so far has a return significantly below the 3% you are paying on your mortgage. I understand the view that many on the forum have about keeping a mortgage so you can put money into index funds instead, since that way you a...
by TNWoods
Mon May 27, 2019 8:29 am
Forum: Personal Investments
Topic: Holding cash
Replies: 8
Views: 1920

Re: Holding cash

If you were able to buy an 11 year CD with 3% interest, would you want that? I know many here never advise paying off a mortgage since you can get a better return in the stock market, but if your choice is between the mortgage vs the bond market or CDs, maybe looking at it that way helps think about...
by TNWoods
Mon May 13, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: European Hiking Tours (where they transfer your luggage to the next spot)
Replies: 8
Views: 946

Re: European Hiking Tours (where they transfer your luggage to the next spot)

Thanks for the replies.

"May" comes from this: that's when we are going to be there. This walking tour is being tacked onto another event.

Thanks.

TNWoods
by TNWoods
Sun May 12, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: European Hiking Tours (where they transfer your luggage to the next spot)
Replies: 8
Views: 946

Re: European Hiking Tours (where they transfer your luggage to the next spot)

I've seen a few scheduled from mid-May. We may have to settle for some other route lower in altitude, or even another country entirely.

The main goal here is finding recommendations on the provider.

Thanks.

TNWoods
by TNWoods
Sun May 12, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: European Hiking Tours (where they transfer your luggage to the next spot)
Replies: 8
Views: 946

Re: European Hiking Tours (where they transfer your luggage to the next spot)

Thanks, I'll check them out. I backpacked Europe from London to eastern Turkey & back years and years ago, back when you had to go through Yugoslavia to get to Greece. Now I want the simplicity and ease of something like this. But I dislike the "if-it's-Tuesday-it-must-be-Belgium" bus package tours....
by TNWoods
Sun May 12, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: European Hiking Tours (where they transfer your luggage to the next spot)
Replies: 8
Views: 946

European Hiking Tours (where they transfer your luggage to the next spot)

I've been looking at "self guided" walking tours in Europe at places like "Eurohike", and am tentatively planning one for next spring with a friend. We have been looking at "moderate" difficulty options in the Alps. These packages include overnight stays at hotels, sometimes breakfast is included, s...
by TNWoods
Sun May 12, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Delinquent tax filing - how to account for carryover losses?
Replies: 14
Views: 790

Re: Delinquent tax filing - how to account for carryover losses?

I googled this, using something like "carryover loss skip a year", and was surprised that the answer seems to be you are not allowed to skip years. The replies I saw were pretty adamant that if you forget one year, you are not allowed to use them the next year, you have to go back and file amended r...
by TNWoods
Wed May 08, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: where to keep "extra" money?
Replies: 19
Views: 2318

Re: where to keep "extra" money?

In a different thread it seems UPRO & TMF are getting popular.

TNWoods
by TNWoods
Mon Apr 22, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Suddenly, even lower opinion of financial planners/money managers
Replies: 67
Views: 6221

Re: Suddenly, even lower opinion of financial planners/money managers

I definitely understand the point and see the problem, and it is a huge problem. I have a friend who recently went pretty quickly from an unimpressive average income to a pretty impressive higher income. He is not confident about how to invest, and I've been talking about everything from his 401(k) ...
by TNWoods
Fri Apr 19, 2019 8:33 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 10022

Re: Thinking about selling stocks near all time highs

All current "all-time-highs" have been preceded by previous "all-time-highs", and there's no reason to think they won't be followed by future "all-time-highs". You seem to be betting(!) that there won't be any more "all-time-highs" for a while. Long enough for you to jump off the train, run alongsid...
by TNWoods
Thu Apr 18, 2019 10:05 am
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 149
Views: 17563

Re: "Never time the market" vs. lump sum investment

I only read a few posts in before I saw someone say "it is impossible to time the market", so my response may simply be repeating what others have said later. It is absolutely possible to time the market. It is child's play to time the market. When the market has a very large plummet, that's when yo...
by TNWoods
Wed Mar 13, 2019 10:18 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 7449

Re: Time to buy Boeing?

Ditto all the comments about buying individual stocks... Having said that, however, when an individual stock "goes on sale", and you are tempted to take advantage of the opportunity, you must clearly understand WHY it went on sale. Back in 2008 I had a big wad of cash most of the year from a cash ou...
by TNWoods
Tue Feb 19, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: My Mortgage = Is it a problem?
Replies: 49
Views: 3914

Re: My Mortage = Is it a problem?

This analogy only works if the OP can make that binary decision. He’s not in a position where he has $228,000 sitting in a bank account and he’s deciding whether or not to pay off the loan or lump sum invest in the stock market. This analogy is only there to push the pay off debt no matter what cro...
by TNWoods
Tue Feb 19, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: My Mortgage = Is it a problem?
Replies: 49
Views: 3914

Re: My Mortage = Is it a problem?

I have heard it looked at this way: Would you borrow $238,000.00 right now at 4.25% interest in order to invest in the stock market? (Most people would say "no", but that is mathematically basically the same thing as not paying off early and investing instead. Sort of.) If yes, why wouldn't you go a...
by TNWoods
Sun Feb 10, 2019 3:38 pm
Forum: Personal Investments
Topic: Is more in my taxable my only option now?
Replies: 6
Views: 787

Re: Is more in my taxable my only option now?

In response to a couple questions about maybe selling some losers, I sold all of them last year, and have carried $2827 loss into this year.

The remainder are in the black, and doing ok.

For now...

Thanks

TNWoods
by TNWoods
Sun Feb 10, 2019 3:31 pm
Forum: Personal Investments
Topic: Is more in my taxable my only option now?
Replies: 6
Views: 787

Re: Is more in my taxable my only option now?

Thanks for the replies, everyone, it really helps. I'll have some more reading to do. @Raybo, thanks for bringing up the point about getting below the cap gains threshold. If I am able to retire at 60, it will be 2 years before SS starts at 62, and 5 years before the Defined Benefit starts, so I had...
by TNWoods
Sun Feb 10, 2019 11:14 am
Forum: Personal Investments
Topic: Is more in my taxable my only option now?
Replies: 6
Views: 787

Is more in my taxable my only option now?

Been lurking and reading a while now. Back in the fall of 2008 I had a bit over $10,000 to spare, and opened an ordinary taxable ScotTrade (now TD Ameritrade) account, and bought individual stocks, since they were on sale at such a huge discount. (This was before I ever heard of this website, or Joh...