Search found 2512 matches

by sschullo
Sat Apr 25, 2020 6:14 pm
Forum: Investing - Theory, News & General
Topic: Why do investors have a hard time doing nothing?
Replies: 53
Views: 3883

Re: Why do investors have a hard time doing nothing?

adamthesmythe wrote:
Sat Apr 25, 2020 1:06 pm
I guess I'm not an investor because I don't have any trouble doing nothing.
Yeah, in fact, I don't like investing except I do enjoy the benefits of low costs and feel the quietness of turning off all of the TV financial noise machines.
by sschullo
Thu Apr 23, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: Bonds won't get you anywhere!
Replies: 85
Views: 9036

Re: Bonds won't get you anywhere!

Are Bonds simply a tool for investors that don't like market volatility and seeing their balances go up and down too dramatically? And that would be a bad thing? Seems to me if you plan on withdrawing money in the near future it would be a good thing. Yep, it's my age and willingness to take equity...
by sschullo
Thu Apr 09, 2020 3:18 pm
Forum: US Chapters
Topic: Livesoft reaches 70,000 posts!
Replies: 31
Views: 2683

Re: Livesoft reaches 70,000 posts!

Keep them coming!
Congrats,
Steve
by sschullo
Wed Apr 08, 2020 9:30 am
Forum: Personal Investments
Topic: dry powder increasing
Replies: 52
Views: 4639

Re: dry powder increasing

will we ever go back to March 23 lows? since then, the market has moved up about 20% the market is recovering too quickly while i had some dry powder ready for deployment now i'm regretting cause i might have gotten too greedy waiting for a deeper hit to the market i only put in 1/3 of the dry powd...
by sschullo
Wed Apr 01, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526459

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

Down 7.0%,
30/70 stock/bond (it had dropped from 34/66 to 28/72 but not enough to trigger a rebalance).
Working as designed and constructed for a 72-year-old retiree who needs this money for retirement.
Staying the course
by sschullo
Sun Mar 29, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41782

Re: The Calm Post - Stay the course thread.

A Guided Meditation for when the Stock Market is Falling, by JL Collins (Author of "A Simple Path to Wealth") https://www.youtube.com/watch?v=OOGU94eL07E&feature=youtu.be This is great! Now JL Collins is a meditation leader! He never stops being just brilliant! and a gifted author of his very famou...
by sschullo
Fri Mar 27, 2020 9:24 pm
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 121
Views: 11675

Re: Market will be at all time high by year-end

I have a prediction that the market will be at an all time high by 12/31/2020. This thread will be revisited on that date to show the genius that I am. The current administration is pretty aggressive on pumping the market before the upcoming election so.. from your mouth to god’s ears:) Yep, and th...
by sschullo
Wed Mar 18, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55528

Re: How to get Toilet Paper ? seriously.

JoMoney wrote:
Wed Mar 18, 2020 9:26 pm
sschullo wrote:
Wed Mar 18, 2020 9:22 pm
HueyLD wrote:
Mon Mar 16, 2020 6:27 pm
Does anyone still have old Sears or Penney’s catalogs?
and the newspaper.
Uggg! Be careful. I wouldn't want paper cuts or chafing back there.
I grew up on a Wisconsin farm and we had an outhouse till I was 8 years old, so I'm tough! 8-)
by sschullo
Wed Mar 18, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55528

Re: How to get Toilet Paper ? seriously.

HueyLD wrote:
Mon Mar 16, 2020 6:27 pm
Does anyone still have old Sears or Penney’s catalogs?
and the newspaper.
by sschullo
Wed Mar 18, 2020 9:18 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41782

Re: The Calm Post - Stay the course thread.

Like a well designed modern airplane, it flies naturally with occasional control by the pilot. My well-desgined portfolio is working as designed too with little management by me. Be calm, stay the course. Just remember we have seen and experienced bad times. Taylor has listed the negative historical...
by sschullo
Tue Mar 17, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: The Psychology of a Bear Market
Replies: 52
Views: 3833

Re: The Psychology of a Bear Market

I wished there were some sort of hard data to back up my comments. I am speaking from my own experience. Paul Merriman said in one of his podcasts that Vanguard investors stayed put during 2008, when compared to other investment companies, but he did not say the source of his comment. Does The Pros...
by sschullo
Tue Mar 17, 2020 8:12 am
Forum: Investing - Theory, News & General
Topic: The Psychology of a Bear Market
Replies: 52
Views: 3833

Re: The Psychology of a Bear Market

One thing is evident, most investors cannot discover their risk tolerance by filling out a questionnaire, simply reading about psychology, or constructing a diversified portfolio while sitting comfortably at your financial adviser's office. Good point, but in the absence of other experience, fillin...
by sschullo
Mon Mar 16, 2020 6:49 pm
Forum: Investing - Theory, News & General
Topic: Poll - How much of a crash are you predicting?
Replies: 82
Views: 5356

Re: Poll - How much of a crash are you predicting?

I am struggling to understand these 70-80% drawdown people. Is this because of the virus solely or the fragility of the equity/monetary systems? It just seems so unprecedented relative to other massive epidemics as well as economic impact in China, which is further ahead than us in the cycle. It is...
by sschullo
Mon Mar 16, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: The Psychology of a Bear Market
Replies: 52
Views: 3833

Re: The Psychology of a Bear Market

Always refer to Mike Tyson quote: "Everybody has a plan until they get punched in the mouth." Some fortunate people can learn ahead of time and know themselves so well they know their risk tolerance. For example, on one side, there are some bogleheads and investors that have been in 100% equities f...
by sschullo
Mon Mar 16, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: The Psychology of a Bear Market
Replies: 52
Views: 3833

Re: The Psychology of a Bear Market

Always refer to Mike Tyson quote: "Everybody has a plan until they get punched in the mouth." Some fortunate people can learn ahead of time and know themselves so well they know their risk tolerance. For example, on one side, there are some bogleheads and investors that have been in 100% equities fo...
by sschullo
Sat Mar 14, 2020 11:51 am
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14069

Re: How many people with 7 figure portfolios are”rejoicing ?”

No. But I do rejoice every damn day that I can manage my portfolio without an expensive adviser.
Not making any changes at the moment. May rebalance into stocks if the market goes further down.
by sschullo
Fri Mar 13, 2020 9:33 am
Forum: Personal Investments
Topic: Capitulation
Replies: 59
Views: 5306

Re: Capitulation

How many body shots can a person's portfolio take? Mike Tyson has something to say about body shots: Everyone has a plan 'till they get punched in the mouth. As long as we persevere and endure, we can get anything we want. This experience is the time to evaluate your risk tolerance. Perhaps you too...
by sschullo
Thu Mar 12, 2020 10:08 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526459

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

After the DOW's 10% drop today, March 12, my 30/70 portfolio is down 8.0% YTD.
by sschullo
Thu Mar 12, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12390

Re: Are you still going to the gym ...

No. I am avoiding almost all group gatherings. I even go to the grocery store first thing in the morning.
by sschullo
Mon Mar 09, 2020 6:34 pm
Forum: Investing - Theory, News & General
Topic: Who do you follow for market insights ?
Replies: 49
Views: 2601

Re: Who do you follow for market insights ?

There are quite a few investment pundits and forecasters out there giving their take on the financial markets. Wonder who people here follow to gain insight on the markets -- be it stocks, bonds, currency, political implications, etc. Who has been the most accurate that you have found? Trying to ex...
by sschullo
Mon Mar 09, 2020 9:56 am
Forum: Personal Investments
Topic: Market down over 6% today
Replies: 56
Views: 5913

Re: Market down over 6% today

2000-2002 --was a painful period as I was in 95% tech stocks. lost 70% of my portfolio. But my late hubby and I did not panic and sell at the bottom. 2008 --was queasy but not painful as I redid my portfolio to reflect my age and willingness to take risks, and learned the lessons of 2000-2002 (30/7...
by sschullo
Mon Mar 02, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: The Dark Side of "Stay the Course"
Replies: 202
Views: 16424

Re: The Dark Side of "Stay the Course"

Retrospection is 100% accurate going all the way back to 1803 referred to Stocks for the Run book by Jeremy Siegal, according to the best data available for the last 200 years. Future predictions .999999999% are not only inaccurate but wrong long term. The only "dark side" is in our heads! The psych...
by sschullo
Sun Mar 01, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Increase Options Advice
Replies: 12
Views: 1147

Re: Long Term Care Insurance Increase Options Advice

I am bringing this up as I have a notice of LTC increase from Genworth too. I am seriously considering the lump sum premium of $11,809.52. I am 72 and in good health. I have been paying $911.12 annually for over a decade. The increase is 44% to $1321.08 annually. The benefit is $100 a day for two ye...
by sschullo
Thu Feb 27, 2020 3:47 pm
Forum: Personal Investments
Topic: Investment guidance for mid-20s married couple looking to FIRE
Replies: 8
Views: 482

Re: Investment guidance for mid-20s married couple looking to FIRE

wife, start 401k immediately! She will lower her taxable income.
by sschullo
Wed Feb 05, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11283

Re: Would you drive without a spare tire?

Yes, AAA has many spare tires! :wink:
by sschullo
Tue Feb 04, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16094

Re: Tesla Stock

Tesla stock is so anti-boglehead. It is silly people consider buying it on this forum. I agree. I will never ever own individual stocks. BUT I Own The CAR! For six years and had solar installed for over 11 years ago. Not paying energy costs for transportation and home energy in all of those years i...
by sschullo
Tue Feb 04, 2020 10:16 am
Forum: Personal Investments
Topic: 403B Need to move it
Replies: 4
Views: 376

Re: 403B Need to move it

Hi Nanci, We only wish that more Californians (and the national public K12 teachers) would do what you just did, discover how conflicted, costly, and inappropriate annuities that are peddled by the nice man or woman. And use CalSTRS excellent 403(b) Pension2. BTW 30K is a lot more than 70% of our k1...
by sschullo
Tue Feb 04, 2020 9:57 am
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16094

Re: Tesla Stock

Tesla stock is so anti-boglehead. It is silly people consider buying it on this forum. I agree. I will never ever own individual stocks. BUT I Own The CAR! For six years and had solar installed for over 11 years ago. Not paying energy costs for transportation and home energy in all of those years i...
by sschullo
Fri Jan 31, 2020 11:07 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26563

Re: Sad news: LadyGeek's husband has passed

Sorry for your loss LadyGeek.
by sschullo
Fri Jan 17, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Financial Counseling Services Plan through union
Replies: 13
Views: 527

Re: Financial Counseling Services Plan through union

Not sure what you are looking for in an adviser that you cannot find here at Bogleheads. Try the Garrett Planning Network ( https://garrettplanningnetwork.com/ , but you have to do your due diligence. While the advisers on this network are all fee-only fiduciaries, be careful about their Assets Unde...
by sschullo
Tue Dec 31, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: Decade of Debt. Market fueled by debt.
Replies: 56
Views: 4791

Re: Decade of Debt. Market fueled by debt.

Lots of investors are "very nervous" for similar reasons you articulated. "Very nervous" is your head and your emotions telling you clearly that you are probably taking on too much risk. You got great feedback that should calm your nerves, stay the course etc. etc. But has it? So what are you going ...
by sschullo
Fri Dec 20, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 148
Views: 19648

Re: Does anyone own gold?

In my total stock market index, jewelry and dental.
by sschullo
Tue Dec 10, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: Sheryl Garrett, founder of the Garrett Planning Network is my guest on "Bogleheads on Investing"
Replies: 14
Views: 1678

Re: Sheryl Garrett, founder of the Garrett Planning Network is my guest on "Bogleheads on Investing"

Just a small word of caution: http://latebloomerwealth.com/did-garrett-planning-network-pass-the-smell-test/?fbclid=IwAR1VvSZFIYErkk_jHvFAr1qE29sN42eU7n-F6r-vew2Beh3M4b2QGOyRM34 Did you listen to the podcast? This is an exact situation Sheryl and I talked about on the podcast and she addressed the ...
by sschullo
Sun Dec 08, 2019 8:55 am
Forum: Investing - Theory, News & General
Topic: Psychologically Prepare for the Bear
Replies: 64
Views: 6111

Re: Psychologically Prepare for the Bear

The aspect I feel I need to prepare for most is the wave of negative narratives that flood the media and water-cooler-chitchat in the wake of a crash. A crash isn't just numbers going down but a pervasive groupthink of fear, and none of us is an asocial animal immune from the feelings of those arou...
by sschullo
Wed Dec 04, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to best sell a home?
Replies: 30
Views: 2164

Re: How to best sell a home?

DesertDiva wrote:
Tue Dec 03, 2019 6:06 pm
IMHO: clean, declutter, neutralize, stage
Because you have time, consider selling it yourself and save BIG bucks on commissions: https://www.zillow.com/sellers-guide/ho ... -by-owner/.
by sschullo
Sat Nov 30, 2019 9:41 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526459

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

spefactor wrote:
Fri Nov 29, 2019 11:20 pm
up 29.8%, beardstown math
😀
by sschullo
Wed Nov 27, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8210

Re: What Items Are You Targeting for Black Friday Sales?

Looking at a new GE frig and Sonos soundbar for my TV, both from Costco.
by sschullo
Thu Nov 07, 2019 12:17 pm
Forum: Personal Investments
Topic: Financial Advisor
Replies: 21
Views: 2444

Re: Financial Advisor

Welcome to the forum, Your question is similar to a question posed on the Dave Ramsey radio money show. The caller wanted Ramsey's 2nd opinion on a new car that the caller wanted to buy. Ramsey's immediate response is " this is the Dave Ramsey show and we never recommend purchasing a new car becaus...
by sschullo
Fri Oct 18, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 7070

Re: Edward Jones presentation at the senior center

Any adviser would salivate with seniors. Just think of the commissions this person could get with a bundle of money from a naive widow who was left a bunch of money from her late husband. So, do what I did. You give the presentation. I briefly told them my story on how I learned this stuff and showe...
by sschullo
Thu Oct 17, 2019 7:27 am
Forum: Personal Investments
Topic: 401a, 403b and 457b
Replies: 30
Views: 1904

Re: 401a, 403b and 457b

Hi OP, You got excellent advice. Your wife has a dream plan for a public K12 school district especially here in California (I have been trying to get LAUSD to put Vanguard on the 403b list for 25 years, for example). She has Vanguard, Fidelity and Pension2 in the 403b and 457b plans, and you have Va...
by sschullo
Wed Oct 16, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Book: "What Your Financial Advisor Isn't Telling You"
Replies: 8
Views: 1330

Re: Book: "What Your Financial Advisor Isn't Telling You"

We Bogleheads may not need to read these books because most of us will never hire an expensive financial adviser, even the so-called fee-only fiduciarys are often too expensive. I did read and wrote a review of Olen"s other book, Pound Foolish . I loved it: https://www.amazon.com/gp/customer-reviews...
by sschullo
Sun Oct 13, 2019 8:20 am
Forum: Personal Investments
Topic: Financial Advisor
Replies: 21
Views: 2444

Re: Financial Advisor

Welcome to the forum, Your question is similar to a question posed on the Dave Ramsey radio money show. The caller wanted Ramsey's 2nd opinion on a new car that the caller wanted to buy. Ramsey's immediate response is " this is the Dave Ramsey show and we never recommend purchasing a new car because...
by sschullo
Tue Oct 08, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 8699

Re: Should I sell or keep my 5 year old depreciated Tesla

My goodness, as others have said, keep it. I have never bought a new car in my entire working career until after I retired, and I bought two new ones, with my late husband. I still have the 2014 Tesla and a 2011 Leaf both 100% electric. What helps me beyond the "numbers" is my futuristic philosophy ...
by sschullo
Sun Oct 06, 2019 5:01 pm
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 8585

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

I would most likely call on ... a trustworthy financial adviser from our church. I think that is a mistake. I'm not trying to say anything bad about religious folks. But I have seen a number of articles where people were taken advantage of by folks attending the same place of worship. I suspect it ...
by sschullo
Fri Oct 04, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 113
Views: 22104

Re: Besides Bogleheads, What Are Your Favorite Forums?

403(b)wise.org But not much else because so many great blogs and websites are primarily profit motive. Nothing wrong with profits and the content, but the value system is not much different than Wall Street. Bait and switch. Boglehead's entire history has been relying on the wonderful and very compe...
by sschullo
Thu Oct 03, 2019 9:51 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526459

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

As of September 30, 2019

Up 10.2% (corrected)
33% Stocks
67% bonds and cash.

My international bonds 9.3% and VG total Bond 8.7% are on fire this year!
by sschullo
Mon Sep 23, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: American Funds Propaganda. Help me understand.
Replies: 45
Views: 5830

Re: American Funds Propaganda. Help me understand.

If this salesman and his boss sign the fiduciary oath to look out for your best interests over theirs, and both can have a written guarantee with the same outperformance over the averages with the same team who picked the same stocks, same quantities, with the same PE ratios, same standard deviation...