Search found 251 matches

by bugleheadd
Thu Jun 04, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3034
Views: 532071

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

JediMisty wrote:
Thu Jun 04, 2020 4:23 pm
bugleheadd wrote:
Thu Jun 04, 2020 3:10 pm
I'm up about 2.3% ytd. This was due to buying some along the way down and keeping up retirement contributions
YTD does not include contributions. There's a formula earlier in this thread.
couldnt find the formula, but i f i take out contributions, it's up 2.7%
by bugleheadd
Thu Jun 04, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3034
Views: 532071

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

I'm up about 2.3% ytd. This was due to buying some along the way down and keeping up retirement contributions
by bugleheadd
Thu Jun 04, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: can I shorten a pdf file?
Replies: 35
Views: 1911

Re: can I shorten a pdf file?

jaj2276 wrote:
Thu Jun 04, 2020 9:02 am
You don't need to install anything really. Just print the pdf and instead of selecting your printer, select "Save as PDF". Make sure to also select the pages you want to "print" (save) and you'll have your pared down pdf.
This is the way
by bugleheadd
Thu Jun 04, 2020 8:25 am
Forum: Investing - Theory, News & General
Topic: How to Track Investment Profit?
Replies: 10
Views: 598

Re: How to Track Investment Profit?

I just add up my contributions and then see how much account value went up or down versus that. Brokerages should already have info on statements
by bugleheadd
Tue May 26, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: Are we better off now than Dec 2018?
Replies: 237
Views: 15533

Re: Are we better off now than Dec 2018?

Jerome powell said the economy is strong
by bugleheadd
Tue May 26, 2020 9:19 am
Forum: Personal Investments
Topic: Etrade vs Vanguard
Replies: 20
Views: 1475

Re: Etrade vs Vanguard

i use etrade and fidelity. both are good.
by bugleheadd
Tue May 26, 2020 8:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6045
Views: 507906

Re: U.S. stocks continue to soar!

almost back to my february all time high account value.
by bugleheadd
Mon May 25, 2020 2:09 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 123
Views: 7264

Re: Anybody do any GOOD timing the market?

My uncle whom I considered a boglehead philosophically told me in February that he had pulled his entire equity position in to cash shortly after the new year. His reasoning was that valuations were high, the yield curve had inverted and Bernie Sanders was gaining momentum which would be bad for bu...
by bugleheadd
Mon May 25, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2627

Re: Anyone buy a car from a rental car company???

never done it but doesnt sound appealing to me. increased risk of many hundreds of times its been rented out and rode hard by the drivers since they dont really care since its not their own car. plus the increased risk due to grossness factor of people who could bring pests like roaches and bedbugs ...
by bugleheadd
Mon May 25, 2020 1:57 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 88
Views: 7313

Re: Anyone screwed up timing the market?

i had a rollover IRA lump of cash i missed out on the 2019 gains and decided to go 50/50 vti cash on 2/19; vti price around $169. talk about bad timing. but at least i only did 50% vti. i guess it could have been worse had i gone 100% vti. i have been avging down with the remainder of cash since the...
by bugleheadd
Mon May 25, 2020 5:51 am
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 75
Views: 5106

Re: Thinking of selling some SP 500 to buy more Wells Fargo

I would invest in Tesla, not wells fargo
by bugleheadd
Sun May 24, 2020 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1048
Views: 107944

Re: Why are you NOT buying rental properties?

With coronavirus, more and more people are late with rental payments and landlords will have a hard time collecting and evicting. Imagine being a landlord in nyc, the tenants have more rights than the landlord. It takes over a year or two to evict and good luck getting any payments.
by bugleheadd
Sat May 23, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 7639

Re: NJ property taxes too high. What are my alternative states?

mathwhiz wrote:
Sat May 23, 2020 5:24 pm
Florida. You save on property taxes, no state income taxes, and there are many affordable home areas. Favorite areas of mine are St. Augustine and Sarasota.
But the hurricanes and home insurance must be expensive
by bugleheadd
Sat May 23, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13175

Re: Will "work from home" destroy the commercial real estate market?

At any large company, if you do a geographic transfer your salary will be adjusted to the new location. I’m not sure why people expected this to be different for WFH. I thought most big companies keep your salary the same if you move to another office location until you get a new job title then you...
by bugleheadd
Sat May 23, 2020 6:47 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13175

Re: Will work from home destroy the commercial real estate market?

I am very much enjoying work-from-home. When I'm eventually asked to return to the office, I'm going to propose a pay cut in exchange for permanent WFH flexibility. If this request is not accepted, I might just quit. You should not have to ask for a pay cut to wfh permanently. Work from home usuall...
by bugleheadd
Sat May 23, 2020 4:26 pm
Forum: Personal Investments
Topic: S&P ETF vs. Index - For a 'Young' Taxable Account
Replies: 10
Views: 682

Re: S&P ETF vs. Index - For a 'Young' Taxable Account

This is a question I almost hate to ask but was hoping for some advice/clarification. After maxing my ROTH and taking advantage of my employer's SIMPLE IRA match, I have some leftover that I have been consistently feeding into my taxable account. Currently, it is being fed into FXAIX (S&P Index). A...
by bugleheadd
Sat May 23, 2020 11:40 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11508

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Sell puts to get back in the market. You can make a few thousand weekly if you have a good chunk of cash ( at least 6 digits) lying around, until you get assigned What if the market melts up or keeps climbing? Repeat every week until you get assigned. It's not like the sp500 can climb a hundred per...
by bugleheadd
Sat May 23, 2020 11:21 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11508

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Sell puts to get back in the market. You can make a few thousand weekly if you have a good chunk of cash ( at least 6 digits) lying around, until you get assigned What if the market melts up or keeps climbing? Repeat every week until you get assigned. It's not like the sp500 can climb a hundred per...
by bugleheadd
Sat May 23, 2020 9:16 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11508

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Sell puts to get back in the market. You can make a few thousand weekly if you have a good chunk of cash ( at least 6 digits) lying around, until you get assigned
by bugleheadd
Wed May 20, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3587

Re: Safely disinfecting frozen food packages from corona virus?

Wash your hands after handling groceries. Then you can touch your face and lick your fingers all you want
by bugleheadd
Mon May 18, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to poor life decision affecting job
Replies: 28
Views: 3204

Re: How to respond to poor life decision affecting job

the manager doesn't like you for some reasons, enough to make up lies. If it wasn't [the move], it would have been something else that he would have gotten rid of you for. would not want someone like that as my manager.
by bugleheadd
Mon May 18, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: I work remote: Is buying a home away from a major city a major risk?
Replies: 39
Views: 4340

Re: I work remote: Is buying a home away from a major city a major risk?

Im not sure how stable IT is. Isn't it very common people in IT to have to keep moving around every one or two years, whether because of layoffs, or projects coming to a close?
by bugleheadd
Mon May 18, 2020 6:34 am
Forum: Investing - Theory, News & General
Topic: The fallacy of hedging stock market investments
Replies: 16
Views: 1374

Re: The fallacy of hedging stock market investments

For someone who is saving for long term goals like retirement, I submit there is no value in employing any hedging techniques other than the traditional asset allocation guidance. Sophisticated options collars and writing puts, covered calls, etc. has no place in the individual investor's toolkit. ...
by bugleheadd
Sun May 17, 2020 3:59 pm
Forum: Personal Investments
Topic: Should a regular investor pump in more money on ETF during this time?
Replies: 14
Views: 959

Re: Should a regular investor pump in more money on ETF during this time?

If you don't need the money and can afford to lose the money, then definitely yes, I think you should be using the money to buy equities. Of course, I cannot predict the future, so you could lose all your money, too. only way to lose it all is if the total stock market and total bond market collaps...
by bugleheadd
Sun May 17, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Need help from NYC Real Estate Experts!!!
Replies: 35
Views: 2909

Re: Need help from NYC Real Estate Experts!!!

Who knows when the lockdown will end. And what about next winter when virus will be rampant again, there will be recurring lockdown. Would you really want to buy into this? You wouldn't be able to enjoy the city life that you were expecting. Restaurants , broadway, museums shut down I would do Airb...
by bugleheadd
Sun May 17, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Need help from NYC Real Estate Experts!!!
Replies: 35
Views: 2909

Re: Need help from NYC Real Estate Experts!!!

Who knows when the lockdown will end. And what about next winter when virus will be rampant again, there will be recurring lockdown. Would you really want to buy into this? You wouldn't be able to enjoy the city life that you were expecting. Restaurants , broadway, museums shut down I would do Airbn...
by bugleheadd
Fri May 15, 2020 9:55 pm
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10416

Re: Please tell me I'm not crazy

can you sell any shares to tax loss harvest? or sell your most expensive shares tax lot, that way you are not giving up much gains.
by bugleheadd
Fri May 15, 2020 9:33 pm
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10416

Re: Please tell me I'm not crazy

i recently changed my view also from having emergency cash sitting in a savings acct to just using my brokerage account as my emergency fund. i will continue funneling extra cash to my brokerage and buy into VTI or similar. even if my brokerage account drops 50-80%, dividends+withdrawals will last m...
by bugleheadd
Fri May 15, 2020 8:47 pm
Forum: Personal Investments
Topic: Option Trading
Replies: 11
Views: 918

Re: Option Trading

Yea but there's always the risk of your option expiring worthless. Time decay eats into your option price High IV , expensive premiums, theta. You need to consider those Most people who make money on options do so by trading out of the option early, not riding it to expiration date and exercising th...
by bugleheadd
Fri May 15, 2020 8:28 pm
Forum: Personal Investments
Topic: What NOW!! [Portfolio help]
Replies: 38
Views: 2306

Re: What NOW!! [Portfolio help]

Why not just get back in the market now ? Today sp500 closed at 2864. You said you sold everything on Feb 28th when sp500 closed at 2954. Assuming Monday opens flat, you would be buying into the market for less than what you sold. So you'll be in a better position than when you sold
by bugleheadd
Fri May 15, 2020 7:58 pm
Forum: Personal Investments
Topic: What NOW!! [Portfolio help]
Replies: 38
Views: 2306

Re: What NOW!! [Portfolio help]

If I had a bankroll of 9m cash , I would sell a weekly 300contracts of spy puts for strike price of -$10 below current share price and collect about $60,000 in cash weekly. Repeat again weekly adjusting the strike price up or down. Eventually might get assigned. At that point you hold an sp500 index...
by bugleheadd
Fri May 15, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Buying Amazon vs direct from company....
Replies: 40
Views: 3188

Re: Buying Amazon vs direct from company....

amazon doesnt always have the best price. many times i've found prices lower on other sites or direct from manufacturer. also lately i have found amazon to be considerably slower in shipping times than others like best buy, walmart, homedepot
by bugleheadd
Fri May 15, 2020 5:31 pm
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 102
Views: 8754

Re: Why no love for REITs?

i lost money investing in an REIT called ARR i held for a number of years. they kept issuing more shares to get more management fees. this in turn drops the share price. and makes the dividend yield become 20% which is attractive for new investors. however dividends got cut often so the yield would ...
by bugleheadd
Fri May 15, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: Selling options
Replies: 4
Views: 360

Selling options

Anyone sell options of diversified index ETFs on a regular basis? what are your avg annual returns like? what are teh best ETFs to sell options on?
by bugleheadd
Wed May 06, 2020 3:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Funds Outperform ETF
Replies: 49
Views: 2834

Re: Vanguard Mutual Funds Outperform ETF

Anyone else see Vti is at $120.09, down 16% in aftermarket, on Yahoo finance? Must be a glitch , got me all excited that I could get some VTI at 120$
by bugleheadd
Tue May 05, 2020 7:29 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11160

Re: All my friends are outperforming index funds

I keep trying to convince my friends about the value of low-cost index investing. For the most part they are not really financially savvy and rarely even invest at all. But what little investing they have done the past 3 months has outperformed the market. This from people who know almost nothing a...
by bugleheadd
Wed Apr 29, 2020 4:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6045
Views: 507906

Re: U.S. stocks continue to soar!

total portfolio down 3.2% from peak
by bugleheadd
Mon Apr 27, 2020 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6067

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

I suspect that companies that realize WFH works will be quick to embrace it --- with significantly cheaper labor from overseas. If one isn't needed in the office then they probably aren't even needed in the same time zone . People should be careful what they wish for. Hmmm. Wouldn't that be the C-s...
by bugleheadd
Mon Apr 27, 2020 7:41 pm
Forum: Personal Investments
Topic: S&P 500 vs Total Market Index funds
Replies: 67
Views: 5180

Re: S&P 500 vs Total Market Index funds

My HSA is 100% VTSAX
My 401k is 100% VIIIX
My IRA is 100% VTI
by bugleheadd
Mon Apr 27, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7157

Re: How do you explain no COVID19 Stimulus Payment?

Just say "not yet". They probably won't ask again
by bugleheadd
Mon Apr 27, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8081

Re: Payoff house and quit good-paying job?

Circuses and theme parks are not stable jobs as you can see covid 19 shut these down and who knows how long.

What type of companies do you audit? Usually big 4 accountants go into private into their clients industry. Much less hours , higher pay. Try to make senior and then move out of big 4
by bugleheadd
Mon Apr 27, 2020 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6067

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

my employer set up the ability to remote working for everyone over two years ago. so everyone has been able to work from home for a while if they chose before covid 19. now sionce covide 19 last month everyone is 100% wfh until further notice.
by bugleheadd
Sat Apr 25, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6981

Re: Go or no go on Carnival cruise

if you choose to go you might get an extended covid19 two weeks or month locked in your cabin after the cruise ends
by bugleheadd
Sat Apr 25, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: Intel vs AMD Processor Equivalents
Replies: 28
Views: 1854

Re: Intel vs AMD Processor Equivalents

Any entry level CPU will do for office work. It comes down to whatever is less expensive and if you are a fanboy of one or the other. Personally I am amd supporter since for the past two decades because they were always less expensive and performance was acceptable for what I use it for.
by bugleheadd
Sat Apr 25, 2020 5:50 am
Forum: Personal Investments
Topic: AAPL MSFT GOOG AMZN ???
Replies: 85
Views: 6486

Re: AAPL MSFT GOOG AMZN ???

Add Tesla to the mix. Tesla going to $2000 in the future
by bugleheadd
Sat Apr 25, 2020 5:38 am
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 464
Views: 219547

Re: The Mega Backdoor Roth IRA

March market crash create great opportunities to invest into equity and do mega Roth IRA. I don't disagree that there are opportunities but between the time I make the after-tax contribution and prior to the in-plan Roth conversion I don't think it's worth risking a drop, which is entirely possible...
by bugleheadd
Fri Apr 24, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12779

Re: Moving out of NYC due to pandemic

Edge215 wrote:
Fri Apr 24, 2020 8:39 pm
Move to a state with no income tax. Retire early. Thank us later.
combined ny/nyc income tax is probably around 10% for a high wage earner like a doctor
by bugleheadd
Fri Apr 24, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12779

Re: Moving out of NYC due to pandemic

i too am living in a very high cost of living area and would want to move to a lower cost of living. i'm still in the early stages of researching good places to move to. been adding to list of my mental notes so far. in order from most ikely i would move to to less likely to move to. please correct ...
by bugleheadd
Fri Apr 24, 2020 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9618

Re: Best Covid19 resistant job

I work in videogames. I expect to get a raise and a large bonus this year. I've heard that industry is often brutal. But they are making hella profits this year Its grown up. 10 years ago it was pretty awful, yes. Now, the big publishers are all competing with FAANG, and devs have lot of options. M...