Search found 8 matches

by TimOthy1456
Wed Jun 10, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3208
Views: 552820

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

+34.8% in my main after-tax account. 100% equity, I suppose. I do long / short equity investing and usually run so that the net long value in my account = to the amount of equity in the account, but I made an exception during the meltdown to target a constant dollar value of net long value. So I kin...
by TimOthy1456
Tue Mar 17, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Order
Replies: 13
Views: 1230

Re: Tesla Order

If you are asking the question, the answer is probably "no." One way to think about it: If you believe the market will rise over time, allocating any capital to anything now is expensive. In hindsight, not investing and buying a car 1 month ago would have saved you from investment losses (if you did...
by TimOthy1456
Wed Jan 15, 2020 3:31 pm
Forum: Personal Investments
Topic: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."
Replies: 75
Views: 8046

Re: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."

1) CAPE is a pointless measure IMO. What matters to investors is next year's earnings. Look at any analyst report, or talk to any investor at a hedge fund or mutual fund. Earnings from 10 years ago are not relevant today. Forward PE of ~18x is not awful. Obviously, the multiple could go down or earn...
by TimOthy1456
Mon Dec 30, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Parents purchasing real estate for me to rent (at market rate)
Replies: 26
Views: 2244

Re: Parents purchasing real estate for me to rent (at market rate)

Based on what you are telling us (and what I think I know), the main benefits you would get under this arrangement are: 1) deduct property taxes from your parent's rental income (SALT caps you at $10k - you will hit that with your ordinary income if you owned the place yourself) 2) deduct mortgage i...
by TimOthy1456
Thu Dec 05, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Leveraging when young
Replies: 1078
Views: 106357

Re: Lifecycle Investing - Leveraging when young

Just finished the book and I am already implementing this strategy. Couple of thoughts for the group: 1) If you have any form of debt, including a mortgage, you are effectively doing lifecycle investing. I will give one more example: I have a car loan that amortizes over 5 years and has a 1.9% inter...
by TimOthy1456
Tue Nov 26, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to let off the gas?
Replies: 22
Views: 3042

Re: Can I afford to let off the gas?

Kind of surprised at all the answers here suggesting you can let off. That's probably true as the incremental savings you generate from working more are not high relative to your NW, but it's hard to say without knowing 1) your expenses and 2) age.
by TimOthy1456
Fri Oct 25, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Another how much mortgage can I afford post.
Replies: 34
Views: 2837

Re: Another how much mortgage can I afford post.

This is not a direct answer to your question, but hopefully the logic will help. Or, I may just be wrong. The way I think about housing cost is not in terms of the cash flow, which is how I see most people, including Bogleheads, thinking about it. I think in terms of the actual cost. I.e., after-tax...
by TimOthy1456
Fri Sep 06, 2019 8:03 am
Forum: Investing - Theory, News & General
Topic: Rethinking the role of bonds in AA
Replies: 28
Views: 4247

Rethinking the role of bonds in AA

I thought Mohamed made a couple interesting points in the article and video linked below. First, I tend to agree that with yields so slow in the bond market, it is hard for many investors, especially older ones, to feel financially safe and prepared for retirement. Equities are not a great place to ...