Search found 173 matches

by Prettyfrtnt
Tue Aug 11, 2020 6:24 pm
Forum: Personal Investments
Topic: Stock splits and cost basis
Replies: 2
Views: 278

Stock splits and cost basis

So if I own a large cap stock that undergoes a 5:1 split... what is to stop you from buying it at 1500 and then selling at what looks like a huge loss 10 days later when it is down to 300. Or could I reset cost basis by selling older long term gains at the new price closet to where I bought it? Does...
by Prettyfrtnt
Tue Jul 28, 2020 10:49 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 367
Views: 31610

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

I also looked at NTSX, opted for a very different solution, which nonetheless has done well so far and backtests really well. If you take occambogle's suggested portfolio's and compare to what I did, they are very similar. But if you go back further, I can take mine back to 2006, there has been a r...
by Prettyfrtnt
Tue Jul 28, 2020 9:23 am
Forum: Personal Investments
Topic: Bonds or precious metals?
Replies: 33
Views: 1754

Re: Bonds or precious metals?

I own some gold and silver (physical coins), but I do not consider them part of my portfolio. They are not investments. They are an insurance policy. They would only be used in a true SHTF scenario. If someone wanted to diversify their cash position/emergency resources... by purchasing physical pro...
by Prettyfrtnt
Thu Jul 16, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12075

Re: Advice on a more livable place

The answer to your question is quite simple... California would have been the answer from 1849-2000. It was obvious. Now your answer can easily be found by simply googling where do Californians move to? They are leaving in absolute droves. Some answers so far given that are correct are: Hawaii, Wash...
by Prettyfrtnt
Tue Jul 14, 2020 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Deadline Tomorrow - Return (Presumably) Sitting in a Truck Somewhere
Replies: 47
Views: 2746

Re: Tax Deadline Tomorrow - Return (Presumably) Sitting in a Truck Somewhere

Took them 6 days to cash my six figure cheque via snail mail on a neighborhood mail box. Guess they needed to pay for a lot of stimulus and PPP
by Prettyfrtnt
Tue Jul 14, 2020 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Model 3/Tesla financial performance
Replies: 58
Views: 3639

Re: Tesla Model 3/Tesla financial performance

What's a tad ironic is Bogleheads either already or will soon be forced to own the stock they so heavily disdain, and they may not even realize it... If Tesla posts a 4th consecutive profitable quarter (ER 7/22) they will most likely be included in the S&P 500. Currently 26 Vanguard products (inclu...
by Prettyfrtnt
Tue Jul 14, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Model 3/Tesla financial performance
Replies: 58
Views: 3639

Re: Tesla Model 3/Tesla financial performance

Don't say it's small change to just watch a Netflix show for 20 minutes while your car charges every 2-3 hours on a long road-trip. That's a large change from the status quo of ICE vehicles. It doesn't have to be 20 minutes of watching Netflix, it can be 20 minutes of using the bathroom/getting cof...
by Prettyfrtnt
Tue Jul 14, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Model 3/Tesla financial performance
Replies: 58
Views: 3639

Re: Tesla Model 3/Tesla financial performance

Two model 3s... two years into the Tesla experience.

I adore and love them. Want a cybertruck.

My life would be complete if I never got into an internal combustion vehicle again. It’s been almost a year.

100 reasons I prefer Tesla. One very not discussed one: maintenance just nothing.
by Prettyfrtnt
Mon Jul 13, 2020 8:40 am
Forum: Investing - Theory, News & General
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 126
Views: 10885

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

Very crazy situation. Shall be super weird for the indexes... My July 1 post had actionable information.

One dollar of profit and it’s going to be more extraordinary than it already is.
by Prettyfrtnt
Sat Jul 11, 2020 11:21 pm
Forum: Personal Investments
Topic: Individual stocks
Replies: 35
Views: 2528

Re: Individual stocks

Only if the individual stocks are tsla
by Prettyfrtnt
Sat Jul 11, 2020 9:11 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 150
Views: 10106

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

I'm not sure that a heavy tilt toward large-cap, tech-tilted companies is riskier than a heavy tilt toward SCV, which many here have and is less controversial for some reason than what the OP is suggesting. Perhaps the sector-tilted nature of NASDAQ is the real source of the controversy. The tech o...
by Prettyfrtnt
Fri Jul 10, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 126
Views: 10885

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

Angst wrote:
Fri Jul 10, 2020 12:29 pm
Perhaps the larger stocks in the various S&P 500 Completion Index funds out there (like VEXAX) get to look forward to something of a bump when Tesla leaves? :D

Tesla represents about 2.5% of the index
1500?!?
by Prettyfrtnt
Sun Jul 05, 2020 8:17 am
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 151
Views: 13163

Re: Bond Alternatives in the time of Zero rates

You seem so certain that you would lose money in bonds over the next 6 years...I'm not sure you are correct. It's a guess...but nothing more than a guess. I'm trying to think of any 6 year period where bonds went down every year. I can't off the top of my head. Some CD's would be okay...but that is...
by Prettyfrtnt
Wed Jul 01, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 126
Views: 10885

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

There’s never been anything at all near to this in comparison. The vast majority of companies going in and out are in the 300s and 400s. It’s absolutely unprecedented to have a 200B, 0.8% of total S and P market cap company suddenly get listed. 8-) :sharebeer :moneybag S and P has a market cap of 2...
by Prettyfrtnt
Wed Jul 01, 2020 11:22 am
Forum: Investing - Theory, News & General
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 126
Views: 10885

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

There’s never been anything at all near to this in comparison. The vast majority of companies going in and out are in the 300s and 400s. It’s absolutely unprecedented to have a 200B, 0.8% of total S and P market cap company suddenly get listed. 8-) :sharebeer :moneybag S and P has a market cap of 20...
by Prettyfrtnt
Wed Jul 01, 2020 7:12 am
Forum: Investing - Theory, News & General
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 126
Views: 10885

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

Tesla hasn't been added to S&P 500 yet, but it seems like it will be at some point. From this page showing US Stock Market Cap, Tesla today would be #23: https://www.iweblists.com/us/commerce/MarketCapitalization.html 20 Bank of America Corp BAC 206.05 21 PayPal Holdings Inc PYPL 204.54 22 Walt Dis...
by Prettyfrtnt
Thu Jun 25, 2020 12:20 am
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11511

Re: Do you want to own the whole haystack [VTI] when someone has a blowtorch?

Update: zoom, 3M, Amazon, Costco, Tesla, Apple, QQQ has really smoked the vti... so glad I doubled down on individual equities Last few months. Vti is seriously not able to make money last couple years, sad looking at its Morningstar lately... starting to make VXUS look decent...
by Prettyfrtnt
Mon May 18, 2020 5:16 pm
Forum: Personal Investments
Topic: Is QQQ (Nasdaq100) better reflective of new economy
Replies: 60
Views: 3989

Re: Is QQQ (Nasdaq100) better reflective of new economy

Own the VTI total market and tilt TQQQ. Triple leveraged qqq w some play money. Buy and hold against the advice of some. Markets tend to go up. And yes new economy. Thank me later.
by Prettyfrtnt
Thu May 14, 2020 9:45 am
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11511

Re: Do you want to own the whole haystack [VTI] when someone has a blowtorch?

This guy hasn’t put down the blowtorch yet. People seem to be coming around that indexing isn’t smart right now. It’s rather painful. Indexes all in the red. Individual stocks that are covid compatible deflecting the pain keeping things in the positive.
by Prettyfrtnt
Mon May 04, 2020 12:34 pm
Forum: Personal Investments
Topic: Dca the TQQQ
Replies: 8
Views: 593

Dca the TQQQ

Can someone help me w the math? 25% chance of 19.8x return. 10% chance of 94x return. 1% chance of 1148x return. 1) Markets go up historically. 2) tqqq leverages the upside of the market. Why shouldn’t I buy and hold $1000 of this every 3 months? I’m young and in a high tax bracket and can lose this...
by Prettyfrtnt
Fri Apr 03, 2020 2:12 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11511

Re: Do you want to own the whole haystack when someone has a blowtorch?

I feel I have as a physician very specific epidemic knowledge ahead of the market. Do you feel you have more knowledge than experts like Dr. Fauci and Dr. Birx, and their massive team? What do you know that they don't? And their publicly-provided information is already known by the market. Sounds l...
by Prettyfrtnt
Fri Apr 03, 2020 1:58 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11511

Re: Do you want to own the whole haystack when someone has a blowtorch?

If the haystack is going up in smoke, it doesn't matter anyway. Not a good analogy. "The market is dumb, and to date my experience has been that I am dumber." That is the best financial quote I've heard in a long, long time. JT Maybe some of the hay has fire retardant. Lol. The dumb quote was price...
by Prettyfrtnt
Fri Apr 03, 2020 1:52 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11511

Re: Do you want to own the whole haystack when someone has a blowtorch?

Great answers so far everyone. I just wanted and needed these answers. I needed your wisdom. I simply wanted to know how you thought about it. I am still very much buying VTI all the time be way of not selling it and saving rate. 1) Not insider trading like a clinic trial. Just public info plus what...
by Prettyfrtnt
Fri Apr 03, 2020 12:23 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11511

Do you want to own the whole haystack [VTI] when someone has a blowtorch?

Questioning my bogelhead core ideals. Generally we want diversification. It is a benefit. Are we sure it is a benefit during a pandemic. Won’t there be obvious winners and losers? Winners: 3M, Costco, Zoom, Amazon... others I will not share here. I feel I have as a physician very specific epidemic k...
by Prettyfrtnt
Thu Apr 02, 2020 5:20 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196048

Re: Bogleheads community discussion - Coronavirus

What about otherwise survivable conditions young people get that won't be treatable because the healthcare system is overwhelmed with covid and unable to take care of them? Like accidents resulting in broken long bones, lacerations with arterial injury, accidental drug overdoses etc? These are freq...
by Prettyfrtnt
Thu Apr 02, 2020 10:43 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196048

Re: Bogleheads community discussion - Coronavirus

Once we reach the point where enough people are immune, such that an explosion of new cases is unlikely, restrictions will ease. At that point, only vulnerable people will need to be extra careful. Everyone else will just need to be cautious, a bit more than with the seasonal flu. Coronavirus is no...
by Prettyfrtnt
Thu Apr 02, 2020 8:44 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196048

Re: Bogleheads community discussion - Coronavirus

There are two simple fixes for our entire society to get our economy back. This is a simple logic problem. Obviously vaccine, treatment and testing ideal, but... here are two other complete fixes. 1) Mandatory wearing by all people of the 3M 69097 n100 respirator when out and about. We could all go ...
by Prettyfrtnt
Sun Mar 29, 2020 6:09 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196048

Re: Bogleheads community discussion - Coronavirus

To any other doctors out there get a PAPR personal hepa system from your local welding supply or industrial supply. Hard to find but life saving hepa and positive pressure. ESP ED and ICU and anesthesiologists...
by Prettyfrtnt
Thu Mar 26, 2020 5:36 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196048

Re: Bogleheads community discussion - Coronavirus

Cure with tech we have: 1) Grow weaker strain of the live virus in culture proof by the cdc March 5 announcing this works (in a very huge vat). 2) Study week by week minumum innoculum for 99/100 to get disease. Study seroconversion if possible (assuming test fda approved soon 17 companies working on...
by Prettyfrtnt
Wed Mar 25, 2020 9:43 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196048

Re: Bogleheads community discussion - Coronavirus

First day of good news in weeks.... 1) Italy death curve inflected early!! Free western society might not get hammer Unfortunately, that's old news. After two days of decline, we have over 700 deaths today. You’re wrong. We have three days below the peak. AHEAD of expected 18 day peak after the Mar...
by Prettyfrtnt
Tue Mar 24, 2020 12:44 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196048

Re: Bogleheads community discussion - Coronavirus

First day of good news in weeks.... 1) Italy death curve inflected early!! Free western society might not get hammer 2) Atul Gawande blueprint to fix this in The New Yorker based on models in other countries where health care workers had zero infections— we in health care have a self protection game...
by Prettyfrtnt
Thu Mar 12, 2020 7:20 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26672

Re: Who is staying course and how are you dealing with net worth going down?

Everyone here is wrong. We could see this coming and it was obvious. If you see a tidal wave coming before the “intelligent” market does. Then market timing makes sense. Market timing is smart with an obvious black swan. And wow what a black swan. This was one off and do nothing was wrong here.
by Prettyfrtnt
Thu Jan 16, 2020 2:06 pm
Forum: Personal Investments
Topic: Fidelity 401k options to approximate VTI w VINIX and VEXAX
Replies: 6
Views: 470

Re: Fidelity 401k options to approximate VTI w VINIX and VEXAX

Do others recommend this and do this? Everyone agree 80/20?
by Prettyfrtnt
Wed Jan 15, 2020 9:17 pm
Forum: Personal Investments
Topic: Fidelity 401k options to approximate VTI w VINIX and VEXAX
Replies: 6
Views: 470

Fidelity 401k options to approximate VTI w VINIX and VEXAX

So my 401k space has these funds: Stock Investments - Large Cap MFS VALUE R6(MEIKX) TRP GROWTH STOCK I(PRUFX) VANGUARD INST INDEX(VINIX) Stock Investments - Mid-Cap VANG EXT MKT IDX ADM(VEXAX) Stock Investments - Small Cap CONESTOGA SM CAP IS(CCALX) GS SM CAP VALUE INST(GSSIX) Stock Investments - In...
by Prettyfrtnt
Wed Jan 15, 2020 7:54 pm
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 167
Views: 20987

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

Do you take your own advice and stick to index funds or are you tsla long?
by Prettyfrtnt
Fri Dec 20, 2019 11:00 am
Forum: Personal Investments
Topic: Pick a stock
Replies: 93
Views: 5116

Re: Pick a stock

1130Super wrote:
Fri Dec 13, 2019 3:02 am
Tesla I’ve been holding for years because I think they are the future. Also I lend out the shares because it’s such a shorted stock. I get a pretty ridiculous amount of interest of like 20-30% of the value of my position in cash every year
I own a lot of this how do I lend it? Vanguard.
by Prettyfrtnt
Sat Dec 07, 2019 4:10 pm
Forum: Personal Investments
Topic: 2020 Plan for $45,000,000 in 2045
Replies: 81
Views: 14738

Re: 2020 Plan for $45,000,000 in 2045

This entire post is so confusing... OP: “ I would never be where I am today if I didn’t work 80-100 hours a week for the last 15 years and set my goals very high.“ Title of post: 45M in 25 years. OP in original post only has 675K in investments. What’s been going on the last 15 years and 80-100 hour...
by Prettyfrtnt
Fri Nov 15, 2019 10:18 pm
Forum: Investing - Theory, News & General
Topic: Preparing for a down market
Replies: 78
Views: 7122

Re: Preparing for a down market

OP, 1) I have 1 1/2 years of expense in my emergency fund. 2) My plan is to never rebalance below 5 years of expense in fixed income. 3) My AA is 60/40. 4) Realistically, I see money as the least of my problem if the recession lasted more than 4 years. I will move on to my plan B, C, and D way befo...
by Prettyfrtnt
Wed Nov 06, 2019 10:39 pm
Forum: Personal Investments
Topic: IUL provided by employer...
Replies: 4
Views: 320

Re: IUL provided by employer...

Thanks for all the replies especially that I can convert it to an annuity at the end my employment. This is in no way a headache. I am happy to have the benefit. I figured it was basically a net benefit for me so I did it. I just wanted the BH advice given how complex it is. And knowing that the $50...
by Prettyfrtnt
Wed Nov 06, 2019 9:55 pm
Forum: Personal Investments
Topic: Backdoor Roth left a few dollars in traditional IRA does this cause pro rata??
Replies: 15
Views: 924

Re: Backdoor Roth left a few dollars in traditional IRA does this cause pro rata??

Prettyfrtnt wrote:
Wed Nov 06, 2019 9:54 pm
This is a backdoor Roth so the IRA was made w taxed dollars.
I don’t think I can convert more this year as I converted $6000.
by Prettyfrtnt
Wed Nov 06, 2019 9:51 pm
Forum: Personal Investments
Topic: IUL provided by employer...
Replies: 4
Views: 320

IUL provided by employer...

Thanks for all of the advice BH’s!! So my employer signed up for IUL for employees. Basically it’s a fairly standard IUL. They pay $18000 a year of which $4500 get taken off the top as a commission (bunch of ridiculous riders and a life insurance benefit etc.). They pay this for me free of charge. I...
by Prettyfrtnt
Wed Nov 06, 2019 9:35 pm
Forum: Personal Investments
Topic: Backdoor Roth left a few dollars in traditional IRA does this cause pro rata??
Replies: 15
Views: 924

Backdoor Roth left a few dollars in traditional IRA does this cause pro rata??

So I did the backdoor Roth. One day I added $6000 into vanguard traditional IRA. Then the next day I converted $6000 to Roth IRA. Unfortunately it left like $2 in traditional IRA... is this a problem from the standpoint of the prorata rule? How can I get rid of the $2 if I need to? Don’t have any ot...
by Prettyfrtnt
Sat Nov 02, 2019 7:22 pm
Forum: Personal Investments
Topic: Worried I am getting addicted to individual stocks.
Replies: 113
Views: 8371

Re: Worried I am getting addicted to individual stocks.

I’m afraid I’m getting addicted to VTI. It’s really addictive.
by Prettyfrtnt
Fri Nov 01, 2019 9:20 pm
Forum: Personal Investments
Topic: Origin Investments
Replies: 7
Views: 716

Re: Origin Investments

The website makes me log in to really understand the investments. I’d be curious to hear WCI’s rationale for this investment. How does it use depreciation to shield capital gains exactly?
by Prettyfrtnt
Fri Nov 01, 2019 9:10 pm
Forum: Personal Investments
Topic: Reduce oil/coal investments seeing as they are doomed
Replies: 16
Views: 1647

Re: Reduce oil/coal investments seeing as they are doomed

Energy is 4.5% of the S&P 500 right now with Exxon and Chevron being the only two energy companies in the top 30 S&P stocks. Note that both Exxon and Chevron are in natural gas and renewable businesses, too. Internationally so are Shell and BP. Conclusion? The market seems to agree with you and has...
by Prettyfrtnt
Fri Nov 01, 2019 8:22 pm
Forum: Personal Investments
Topic: Reduce oil/coal investments seeing as they are doomed
Replies: 16
Views: 1647

Reduce oil/coal investments seeing as they are doomed

Just curious if anyone has some BH advice for someone who basically is a three funder. But at the same time I can see a political and economic future that is less reliant on coal and oil. Natural gas is a possible transition fuel in the near to long term. I know we don’t market time or try to see th...
by Prettyfrtnt
Sun Oct 27, 2019 4:46 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 229
Views: 30539

Re: I’m done with index funds

It’s impossible to really comment on the OP’s strategy without knowing what capital gains he is locked in to on his stock options when he has to mature them and those timelines and the current size of his brokerage account. $200,000 capital gains in a year with an s and p up 20% and assuming he has ...