Search found 285 matches

by Ramjet
Mon Mar 30, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to find landscaping architect?
Replies: 5
Views: 276

Re: How to find landscaping architect?

Hello Bogleheads, I have a steep downhill in backyard and every year, it gets full with weeds. I get it cleaned, but it's very hard to grow grass there and impossible to mow. When i contacted local nurseries and landscaping companies, i am shown very expensive proposals. I just want to work with an...
by Ramjet
Mon Mar 30, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 17945
Views: 2538526

Re: U.S. stocks in free fall

Goldman-Sachs: the pain isn't over yet. We've only had #1. More kitty bounces to come. https://ei.marketwatch.com/Multimedia/2020/03/30/Photos/NS/MW-ID322_goldma_20200330083902_NS.jpg?uuid=6f465b12-7283-11ea-8ab2-9c8e992d421e Certainly not apples to apples comparison Great recession took something ...
by Ramjet
Mon Mar 30, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What is best option for freeing up a lot of cash?
Replies: 28
Views: 1306

Re: What is best option for freeing up a lot of cash?

Define "a lot of cash", how much are we talking?
by Ramjet
Mon Mar 30, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 160
Views: 8624

Re: What will you do first, once COVID pandemic is over?

Spend some time with my parents
by Ramjet
Mon Mar 30, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 80
Views: 6066

Re: Why not 100% PSLDX?

I’m thinking of going 100% PSLDX (PIMCO StocksPLUS Long Duration Fund) for my entire portfolio. I like the fact that I get both stocks and bonds in one handy package and I think of it as the ultimate balanced portfolio. I feel like I understand both the risks and how the fund works. I would love to...
by Ramjet
Mon Mar 30, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 80
Views: 6066

Re: Why not 100% PSLDX?

kevinf wrote:
Sun Mar 29, 2020 5:45 pm
Keep in mind that PSLDX has a minimum buy-in of $25,000 with a $1,000 minimum for additional purchases at Vanguard.
Also, TD Ameritrade has a 0 minimum but a $50 transaction fee
by Ramjet
Mon Mar 30, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: how much cash do you keep at home?
Replies: 113
Views: 6283

Re: how much cash do you keep at home?

We have 1K in a home safe
by Ramjet
Sun Mar 29, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: I thought I had it all figured out....advice please
Replies: 32
Views: 3604

Re: I thought I had it all figured out....advice please

unclescrooge wrote:
Sun Mar 29, 2020 7:31 pm
100% equities is also insane.

No one should be in more than 90% equities unless you're under 25.
Not sure the majority of people would agree with either of these statements

Both are personal that individuals can only answer themselves
by Ramjet
Sun Mar 29, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Trip Cancelled-No Trip Insurance
Replies: 25
Views: 2314

Re: Trip Cancelled-No Trip Insurance

Did you pay the entire amount on a credit card?

Call the credit card company and see if trip cancellation insurance is an automatic benefit of the card
by Ramjet
Sun Mar 29, 2020 7:54 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 83
Views: 6749

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

PLEASE NOTE: Yes, this is market timing. I'm not looking for any reproach for trying to time the market. I love all of the "nobody knows nothing" comments you are getting when in the very first line you ask to not be talked out of market timing. Why can't people just answer your actual question? I ...
by Ramjet
Sat Mar 28, 2020 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Even if Moving in the Next Few Years?
Replies: 2
Views: 198

Refinance Even if Moving in the Next Few Years?

I currently have a 20 years mortgage at 3.75% with 18 years left on it. Planned on being in this house for 10+ years but it looks like I will likely be moving in the next 1-2. I can, 1) do nothing until I move or 2) refinance into a 30 year mortgage in the mean time at no cost and reduce my monthly ...
by Ramjet
Sat Mar 28, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 320
Views: 26394

Re: How Is Your Job Being Impacted By The Current Crisis?

BrownEyedGirl_27 wrote:
Sat Mar 28, 2020 6:02 am
Ramjet wrote:
Sat Mar 21, 2020 1:25 pm
I've been sent home for a minimum of 30 days but likely 60+

Virtually all my friends have reported layoffs at their employer
What field are you in?
I work in local government
by Ramjet
Sat Mar 28, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: SP500 PE is still above average 3/28/2020
Replies: 12
Views: 982

Re: SP500 PE is still above average 3/28/2020

Noobvestor wrote:
Sat Mar 28, 2020 4:39 am
What ... do you do ... if it doesn't go that low? Sit on the sidelines for 30 years?
The right question...
by Ramjet
Fri Mar 27, 2020 8:15 am
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation (Gas + SP)
Replies: 48
Views: 1445

Re: Lawnmower recommendation (Gas + SP)

Cub Cadet, Troy-Bilt, or Craftsman

Excellent warranties too
by Ramjet
Fri Mar 27, 2020 8:14 am
Forum: Investing - Theory, News & General
Topic: "Longer-run economic consequences of pandemics"
Replies: 43
Views: 3480

Re: "Longer-run economic consequences of pandemics"

oken wrote:
Fri Mar 27, 2020 8:11 am
I don't think there is much lower to go
Rates don't have to stop at zero
by Ramjet
Fri Mar 27, 2020 7:34 am
Forum: Personal Investments
Topic: Effect of COVID19 on Real Estate
Replies: 39
Views: 5038

Re: Effect of COVID19 on Real Estate

Trying to sell the home of a deceased relative. Didn't get it onto the market until the end of last year...got a handful of low-ball offers over the winter which I rejected. Had hopes for this spring, but now I wonder if it'll get any traction until the following spring. Rent until the dust settles?
by Ramjet
Thu Mar 26, 2020 9:42 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 56
Views: 3865

Re: Inflation

Who was the Congresscritter who said 20-30 years ago: "A billion here, a billion there, pretty soon you're talking about real money." How quaint. Why can't we print our way to prosperity? LOL One reason I have kept my REITs and TIPS even though a lot of Bogleheads have soured on them. I regard infl...
by Ramjet
Thu Mar 26, 2020 9:39 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 4574
Views: 162760

Re: Bogleheads community discussion - Coronavirus

That was fast. #1 with a bullet. but not #1 in deaths Be patient. If we can believe numbers from China. Who knows how many people died from this virus there. I think we have to believe the numbers from China. If we start doubting them then we go down a slippery slope where everyone's numbers are su...
by Ramjet
Thu Mar 26, 2020 9:36 pm
Forum: Investing - Theory, News & General
Topic: Do any of you not rebalance?
Replies: 57
Views: 2818

Re: Do any of you not rebalance?

100% stocks @ 80% U.S./20% INT. Been thinking of maintaining this contribution rate but maybe not rebalancing going forward. Note that if I owned bonds I would indeed rebalance to keep what equity/bond ratio I wanted.
by Ramjet
Thu Mar 26, 2020 9:31 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4034
Views: 333271

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

The reason I ask is because I haven’t really seen PSLDX perform that well in this downturn vs. VTSAX which is not surprising but I’m wondering how that may change on an upswing. It's performing roughly as expected, based on its performance in the 2008 bear market: https://i.ibb.co/vcdjRC3/Screen-Sh...
by Ramjet
Thu Mar 26, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: Unemployment numbers
Replies: 40
Views: 2769

Re: Unemployment numbers

Forgive my ignorance but the 3.3M national unemployment number is for what time period
by Ramjet
Thu Mar 26, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 56
Views: 3865

Re: Inflation

Falling oil prices don’t point toward inflation. This is a weird economic situation. Sure government is printing money but there’s nothing to spend it on and wages aren’t likely to increase generally now. I would be more concerned about what happens inflation wise after crisis is over. Maybe even m...
by Ramjet
Wed Mar 25, 2020 7:15 pm
Forum: Personal Consumer Issues
Topic: Google Drive Question
Replies: 5
Views: 483

Re: Google Drive Question

Were you connected to wifi?
by Ramjet
Wed Mar 25, 2020 8:56 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 434
Views: 29175

Re: So bottom is probably behind us....right?

No, I don't think we're at the bottom yet, it's probably an intermission between Act I (de-risking) and Act II (earnings and unemployment numbers come in). I also think the unemployment numbers are going to be surprising to many If we even see them. Ohio has agreed not to publish their unemployment...
by Ramjet
Wed Mar 25, 2020 6:48 am
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 56
Views: 3865

Re: Inflation

peskypesky wrote:
Tue Mar 24, 2020 8:38 pm
Ramjet wrote:
Tue Mar 24, 2020 7:57 pm
Closer2323 wrote:
Tue Mar 24, 2020 4:23 pm
With this massive bailout in the works what are your thoughts on the likely impact on inflation?
That's the million dollar question
I think you mean "trillion dollar question."
Haha yes indeed
by Ramjet
Wed Mar 25, 2020 6:46 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 434
Views: 29175

Re: So bottom is probably behind us....right?

watchnerd wrote:
Wed Mar 25, 2020 6:17 am
No, I don't think we're at the bottom yet, it's probably an intermission between Act I (de-risking) and Act II (earnings and unemployment numbers come in).
I also think the unemployment numbers are going to be surprising to many
by Ramjet
Tue Mar 24, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: [Chromebook recommendation]
Replies: 39
Views: 2175

Re: [Chromebook recommendation]

If you are happy with Google docs and just browse the web, a chrome book is perfect. We “splurged” on a Pixelbook (googles in house chromebook), but even that’s still cheap compared to any Apple product. That might be overkill for you. My Pixelbook Go is in the mail, It was about $650 I am consider...
by Ramjet
Tue Mar 24, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 56
Views: 3865

Re: Inflation

Closer2323 wrote:
Tue Mar 24, 2020 4:23 pm
With this massive bailout in the works what are your thoughts on the likely impact on inflation?
That's the million dollar question
by Ramjet
Tue Mar 24, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4034
Views: 333271

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

ribeyesteaks wrote:
Tue Mar 24, 2020 2:34 pm
I wonder, by the way, how this UPRO/TMF would do in a stagflationary environment like in the 70's
Worst case scenario for the strategy I would think
by Ramjet
Mon Mar 23, 2020 1:05 pm
Forum: Non-US Investing
Topic: How will this market effect dividends?
Replies: 22
Views: 1999

Re: How will this market effect dividends?

List of companies who have cut dividends and/or buybacks

https://www.barrons.com/articles/corona ... 1584961202
by Ramjet
Mon Mar 23, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: Young people: Only thing that matters now is maintaining income
Replies: 30
Views: 3226

Re: Young people: Only thing that matters now is maintaining income

I agree with you that maintaining income and continually investing is the best thing a young person can do right now
by Ramjet
Mon Mar 23, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 17945
Views: 2538526

Re: U.S. stocks in free fall

It's interesting that the BH way is to stay the course, ignore the noise but when the [market drops -- mod oldcomputerguy] and we hit a recession some people here make you feel like you were not a good investor, you should have seen this coming and sold out to cash. These people you are referring t...
by Ramjet
Sun Mar 22, 2020 4:20 pm
Forum: Investing - Theory, News & General
Topic: Inflationary effects pending?
Replies: 27
Views: 1780

Re: Inflationary effects pending?

Maybe deflation is more likely in the near term?

Stable supply combined with reduced demand
by Ramjet
Sun Mar 22, 2020 8:37 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 4574
Views: 162760

Re: Bogleheads community discussion - Coronavirus

Remember, the numbers of positive tests does not reflect the number of people that actually are positive for the virus

How can it be when in most places you are only testing people that are 60+
by Ramjet
Sat Mar 21, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: I won the game but kept playing
Replies: 133
Views: 11165

Re: I won the game but kept playing

Remind me what Bernstein recommends for fixed income when you have "won the game"?

Is it CD's, individually bought treasury bonds, and short term TIPS funds?
by Ramjet
Sat Mar 21, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 320
Views: 26394

Re: How Is Your Job Being Impacted By The Current Crisis?

I've been sent home for a minimum of 30 days but likely 60+

Virtually all my friends have reported layoffs at their employer
by Ramjet
Sat Mar 21, 2020 1:23 pm
Forum: Personal Investments
Topic: Dad pulling retirements out of market. Advice Please!
Replies: 58
Views: 5846

Re: Dad pulling retirements out of market. Advice Please!

My father did the same thing last week
by Ramjet
Sat Mar 21, 2020 7:38 am
Forum: Personal Investments
Topic: I knew this was going to happen and did nothing...
Replies: 107
Views: 9674

Re: I knew this was going to happen and did nothing...

I thought the market was going to drop too

The problem is who knows how much and when?

So I did nothing. I just buy on schedule.
by Ramjet
Thu Mar 19, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: Senator Insider Trading before Crash
Replies: 13
Views: 1616

Re: Senator Insider Trading before Crash

If we only had a vomit emoji...makes you sick to your stomach
by Ramjet
Thu Mar 19, 2020 7:37 pm
Forum: Personal Investments
Topic: When will S&P 500 go back to 3386 ?
Replies: 98
Views: 6027

Re: When will S&P 500 go back to 3386 ?

June 2022
by Ramjet
Thu Mar 19, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Fed rate cut and mortgage rates
Replies: 17
Views: 2246

Re: Fed rate cut and mortgage rates

seawolf21 wrote:
Thu Mar 19, 2020 8:55 am
BruDude wrote:
Thu Mar 19, 2020 1:29 am
Rates have risen because it’s the bank’s way of saying “stop calling us, we don’t have time for new applications”

Give it a few weeks.
+1
I have heard this stated multiple times and have no doubt it is true, but what is the logic behind turning away customers
by Ramjet
Wed Mar 18, 2020 5:18 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4034
Views: 333271

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

HEDGEFUNDIE wrote:
Wed Mar 18, 2020 5:11 pm
After today’s action I am officially below where I started the Excellent Adventure 13 months ago. $99k at 50/50.

I have my hand firmly on the ship’s wheel, staring down into the abyss. Whatever may come, I shall stay the course!
I foresee 10K more posts in this thread and maybe even a part 3
by Ramjet
Wed Mar 18, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Device For Streaming HBO Now
Replies: 13
Views: 611

Re: Device For Streaming HBO Now

Have only used Roku, still works great after 5 years. Do you have Amazon Prime? You can get Prime Video thru Roku as well. I watch more things on there than Netflix lately.
by Ramjet
Wed Mar 18, 2020 2:47 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4034
Views: 333271

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

All in all, my investments doubled and then fell in half from when I started a year ago. So I’m basically back to where I started. Whereas 100% SCV or even 100% global market is significantly down from a year ago. Shocking to say the least, I feel like I’ve been hit by a tank yet I’m basically back...
by Ramjet
Wed Mar 18, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: Market keeps going down - and I'm giddy as a school girl! Anyone else?
Replies: 25
Views: 1520

Re: Market keeps going down - and I'm giddy as a school girl! Anyone else?

It may be hard to "snap back" if small businesses are bankrupt, there are bailouts, and people can't afford to pay their rent/mortgages becauase they're unemployed. Hoping for a "V" shaped recovery like you, but I don't see it
by Ramjet
Wed Mar 18, 2020 1:56 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4034
Views: 333271

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Bad day for PSLDX too...people need cash, selling both stocks and bonds
by Ramjet
Wed Mar 18, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 320
Views: 26394

Re: How Is Your Job Being Impacted By The Current Crisis?

City next door furloughed 600 workers

Guessing mine will follow suit and i'll be next