Search found 217 matches

by Puretaxableindexer
Wed Feb 26, 2020 9:43 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 24194

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

Dumping stocks into bonds is overreacting. What's more, you are basically trying to time the market, which never works. People who stay invested within their AA make out much better in downturns over the long run than people who sell today and buy back another time.
by Puretaxableindexer
Wed Feb 26, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: Inexpensive men's razors?
Replies: 37
Views: 2636

Re: Inexpensive men's razors?

I got so frustrated paying for Gillette Mach 3 razors then buying the Fusion 5 razors that I dumped them all and went with a Philips Norelco triple floating head re-chargeable razor. I love it. The blades last 1.5 years for me and it gives me a close shave. Once the razors become dull, I just buy a ...
by Puretaxableindexer
Wed Feb 26, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9023

Re: How Do you Exercise Indoors?

Exercise machines are not what they used to be. I had a great Schwinn Airdyne Evo (Approx $900) that I loved and it was built very well until the left arm broke off, now the newer ones are even worse. I now ride a Schwinn stationary bike with a 40lb (about $400) wheel that works great. I also jog i...
by Puretaxableindexer
Wed Feb 26, 2020 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Text/Email Alerts
Replies: 6
Views: 653

Re: Vanguard Text/Email Alerts

It could be their systems are slowed down because of the volume of the last couple of days. I made a trade yesterday with Fidelity and my email confirms came much later than normal. I also make screen copies of my confirms to my Hard Drive, so I always have a backup.
by Puretaxableindexer
Wed Feb 26, 2020 6:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total International mutual fund vs ETF
Replies: 2
Views: 344

Re: Vanguard Total International mutual fund vs ETF

VTIAX is up .90% on Vanguard's website as of today's date, whereas VTIAX is listed as up .07% at Marketwatch today's date 2/26/20. Fidelity's Tot Intl Index FTIHX is up .17% today. Sometimes Vanguard's prices at night are not always right. I noticed that a few times in the past.
by Puretaxableindexer
Wed Feb 26, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids about saving money and investing
Replies: 44
Views: 3003

Re: Teaching kids about saving money and investing

This may be a way. When I was in 5th grade at my Catholic elementary school my teacher would break out the newspaper business section/stock quotes (this was long ago) and have groups of us pick out stocks we looked at and invested a fictitious sum. We would do it once a week by tracking what stocks...
by Puretaxableindexer
Wed Feb 26, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids about saving money and investing
Replies: 44
Views: 3003

Re: Teaching kids about saving money and investing

This may be a way. When I was in 5th grade at my Catholic elementary school my teacher would break out the newspaper business section/stock quotes (this was long ago) and have groups of us pick out stocks we looked at and invested a fictitious sum. We would do it once a week by tracking what stocks...
by Puretaxableindexer
Wed Feb 26, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9023

Re: How Do you Exercise Indoors?

I have walked fast for a half hour on a mid-priced treadmill nearly every day for the last 20 years, and then done weight-bearing exercises like squats, push-ups, sit-ups, planks, dumbbells, etc. While doing this exercise I watch episodes of old TV series on Amazon (this month "The Saint" with a pr...
by Puretaxableindexer
Wed Feb 26, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9023

Re: How Do you Exercise Indoors?

I read somewhere that when you stop paying their monthly subscription your Peloton will no longer function or function less. Anyone thinking about buying one needs to read the terms of service with those subscriptions.
by Puretaxableindexer
Wed Feb 26, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9023

Re: How Do you Exercise Indoors?

Agree that a rowing machine is my go to cardio machine. For the life of me, I don't get the Peloton market. Unless you are a serious cyclist, people should step back and realize they are spending $3k on an exercise bike, that also requires a $500/year for a subscription. I've outfitted everything I...
by Puretaxableindexer
Wed Feb 26, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9023

Re: How Do you Exercise Indoors?

Exercise machines are not what they used to be. I had a great Schwinn Airdyne Evo (Approx $900) that I loved and it was built very well until the left arm broke off, now the newer ones are even worse. I now ride a Schwinn stationary bike with a 40lb (about $400) wheel that works great. I also jog in...
by Puretaxableindexer
Wed Feb 26, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4325
Views: 1243418

Re: What Book Are You Currently Reading? Part VI

I just started to read Last Call: The rise and fall of prohibition by Daniel Okrent. 2020 is the 100th anniversary of the start. My 4th book YTD. My goal is one a month, so far I'm ahead.
by Puretaxableindexer
Wed Feb 26, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 204
Views: 18259

Re: Tesla Model Y

My issue is that I buy and keep my cars for 12-15 years, I'm doing it with my current Honda CRV and I did it with my previous Lexus ES300. So If I buy a Tesla 3 and want to keep it for that long won't my battery(s) degrade to the point I need a new one(s) and at a cost of over $7000? (I Googled the ...
by Puretaxableindexer
Wed Feb 26, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 204
Views: 18259

Re: Tesla Model Y

Given that a Tesla is a high tech car and the technology/battery life is always changing model to model, what is the depreciation rate of a brand new Tesla vs a comparable new lux/performance gas-powered Lexus/MB/BMW? I think that's a real wildcard. So far it's done very good but if there huge enha...
by Puretaxableindexer
Wed Feb 26, 2020 2:48 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 487
Views: 39225

Re: The Calm Post - Stay the course thread.

Forget earnings, growth rates, trade deals as long as this Coronavirus is spreading. Despite that, I have kept my AA basically the same for a long long time, which is 70/30 US/Intl stock indexes and multi-sector bond funds.
by Puretaxableindexer
Wed Feb 26, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 204
Views: 18259

Re: Tesla Model Y

Given that a Tesla is a high tech car and the technology/battery life is always changing model to model, what is the depreciation rate of a brand new Tesla vs a comparable new lux/performance gas-powered Lexus/MB/BMW?
by Puretaxableindexer
Wed Feb 26, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3671
Views: 258992

Re: Coronavirus and the market

The Coronavirus is expanding and no country knows had to deal with it. The only good thing that comes from this virus is they may cancel the Olympics in Japan.
by Puretaxableindexer
Wed Feb 26, 2020 1:13 pm
Forum: Investing - Theory, News & General
Topic: How will banks profit from making 30 year fixed rate mortgages?
Replies: 38
Views: 3282

Re: How will banks profit from making 30 year fixed rate mortgages?

These 30 year mortgages are packed, sliced and diced and sold off with credit ratings from B to AAA as tranches, just like they were during the financial crisis
by Puretaxableindexer
Wed Feb 26, 2020 1:06 pm
Forum: Personal Investments
Topic: Does this type of joint account exist?
Replies: 8
Views: 512

Re: Does this type of joint account exist?

The best answer is to call or secure account email to Fidelity or Vanguard. +1 Then report back here and tell us so that we can help others in the future. Cheers The best answer is what I gave. Call the fund companies and ask directly, this way you don't get mixed messages from forums. Have a nice ...
by Puretaxableindexer
Wed Feb 26, 2020 12:29 pm
Forum: Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 128
Views: 10930

Re: How do you handle the urge to DO something?

Maybe a great balanced index fund like Vanguard LifeStrategy funds may be worth it. Less work, fund and forget. Personally, I run/ride the stationary bike 5 days a week to keep my mind clear of racing thoughts. It really works.
by Puretaxableindexer
Wed Feb 26, 2020 12:24 pm
Forum: Personal Investments
Topic: Does this type of joint account exist?
Replies: 8
Views: 512

Re: Does this type of joint account exist?

The best answer is to call or secure account email to Fidelity or Vanguard. +1 Then report back here and tell us so that we can help others in the future. Cheers The best answer is what I gave. Call the fund companies and ask directly, this way you don't get mixed messages from forums. Have a nice ...
by Puretaxableindexer
Wed Feb 26, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: Where is the left tail risk reduction from factors
Replies: 28
Views: 1455

Re: Where is the left tail risk reduction from factors

Factor funds, low volatility funds, so-called quality factor funds are designed to sell something new and profit off of them. I look at these and laugh with their so-called backtesting and their research papers that are a bunch of BS. Also, those so-called "bond-like" investments people like to call...
by Puretaxableindexer
Wed Feb 26, 2020 12:12 pm
Forum: Investing - Theory, News & General
Topic: Immature Investor and Lessons Learned
Replies: 23
Views: 2355

Re: Immature Investor and Lessons Learned

Don't worry about it, It's done and you will get your eventual return back soon enough. You will still be ahead of the majority of the population who doesn't invest.
by Puretaxableindexer
Wed Feb 26, 2020 12:05 pm
Forum: Personal Investments
Topic: Does this type of joint account exist?
Replies: 8
Views: 512

Re: Does this type of joint account exist?

The best answer is to call or secure account email to Fidelity or Vanguard.
by Puretaxableindexer
Wed Feb 26, 2020 8:40 am
Forum: Personal Investments
Topic: Where do you get financial/Investment info from the web
Replies: 12
Views: 903

Where do you get financial/Investment info from the web

Is it me or is there too many financial websites that post mostly clickbait? For instance, CNBC.com and Marketwatch.com have too many useless clickbait garbage. The WSJ no longer is the business newspaper it used to be when it was about business and companies, now it's other news too. Where do you g...
by Puretaxableindexer
Wed Feb 26, 2020 8:29 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 204
Views: 18259

Re: Tesla Model Y

Seems to me that Tesla is the new cult following like the Prius was more than a decade ago. Then as it is now there were others that competed in the same space but the Prius was the in thing, and now it isn't.
by Puretaxableindexer
Wed Feb 26, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1353
Views: 312806

Re: Best watch for around $5,000?

A $5000 watch is as useless as gold coins.
by Puretaxableindexer
Wed Feb 26, 2020 8:18 am
Forum: Personal Investments
Topic: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]
Replies: 94
Views: 11969

Re: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]

I have a sizeable position in VSMGX in a taxable account and the amount of cap gains that it throws off isn't bad and not a dealbreaker for me. Too many people here complain about it here despite it being a great all in one fund even in a taxable acct.
by Puretaxableindexer
Tue Feb 25, 2020 10:28 pm
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 241
Views: 15091

Re: Gold $1600 Oz - When?

I'm not aware of that. I looked it up earlier and I didn't see that anywhere, maybe I missed that. The fund is new and very little is mentioned of its holdings. But, if I was going to buy something like gold or oil or some other commodity, I'd buy it directly with an ETF instead. Personally, I woul...
by Puretaxableindexer
Tue Feb 25, 2020 10:14 pm
Forum: Investing - Theory, News & General
Topic: Created a Treasury Ladder Today (similar to NTSX)
Replies: 21
Views: 1985

Re: Created a Treasury Ladder Today (similar to NTSX)

caklim00 wrote:
Tue Feb 25, 2020 9:49 pm
Puretaxableindexer wrote:
Tue Feb 25, 2020 9:21 pm
Laddering is too much work for something that pays nearly nothing.
It helped on a day like today. Of course holding all long term would have helped even more. May or may not pay off long term.

I give you credit for the effort involved. Best of luck.
by Puretaxableindexer
Tue Feb 25, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: So there is no chance to spot a recession? According to the FED it is possible!
Replies: 10
Views: 1437

Re: So there is no chance to spot a recession? According to the FED it is possible!

The Fed has been wrong in its 107-year existence. This isn't just a snarky comment, it's true. I read their history.
by Puretaxableindexer
Tue Feb 25, 2020 9:36 pm
Forum: Personal Investments
Topic: Where to put money to save for more real estate
Replies: 6
Views: 657

Re: Where to put money to save for more real estate

Sandtrap wrote:
Tue Feb 25, 2020 2:49 pm
The criteria for short term savings are:
1
Security of principal
2
Liquidity
3
Accessibility

j :happy
Correct. Well put.
by Puretaxableindexer
Tue Feb 25, 2020 9:31 pm
Forum: Non-US Investing
Topic: How Boglehead philosophy guides home bias equities for US vs non-US
Replies: 22
Views: 1422

Re: How Boglehead philosophy guides home bias equities for US vs non-US

Jack Bogle said long ago you didn't need international, you have it with the companies within the index 500. I never listened. I always invested in international even when Jack said it wasn't needed. Still love Jack, though. Although all my Intl investing lagged the SP 500 over the past decade, it w...
by Puretaxableindexer
Tue Feb 25, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home Title Lock
Replies: 12
Views: 829

Re: Home Title Lock

All those ads on the radio from gold coins, crashproofretirement, Lifelock, meals ready to eat that lasts 20 years are all funny. All doom and gloom.
by Puretaxableindexer
Tue Feb 25, 2020 9:21 pm
Forum: Investing - Theory, News & General
Topic: Created a Treasury Ladder Today (similar to NTSX)
Replies: 21
Views: 1985

Re: Created a Treasury Ladder Today (similar to NTSX)

Laddering is too much work for something that pays nearly nothing.
by Puretaxableindexer
Tue Feb 25, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: heating element of warm mist humidifier is flaking
Replies: 9
Views: 497

Re: heating element of warm mist humidifier is flaking

Buy a new one. I bought a Vicks non-heat version for $34 at Walmart. It works great and very quiet.
by Puretaxableindexer
Tue Feb 25, 2020 9:15 pm
Forum: Personal Investments
Topic: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]
Replies: 94
Views: 11969

Re: Super Lazy portfolio, just VSMGX? [Vanguard LifeStrategy Moderate Growth]

I've had VSMGX LifeStrat Mod Growth fund for at least a decade in my taxable account. Yes, it throws off cap gains, but it's small and not a deal-breaker for me. There aren't any good balanced ETFs that perform better. Matter of fact, there are very few balanced ETFs and I don't like any of them. Pr...
by Puretaxableindexer
Tue Feb 25, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6160

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

I have a few SentrySafe fire safes. One is a very large one, a medium and a small one. I even cover them up using a fireproof blanket(to hide). In addition, I have special docs in a fireproof envelope and stored in a fire-safe with a fire blanket over it. After reading what I just wrote, I must be ...
by Puretaxableindexer
Tue Feb 25, 2020 9:00 pm
Forum: Personal Investments
Topic: XOM Question
Replies: 9
Views: 1453

Re: XOM Question

I would have sold XOM decades ago and invested the proceeds in the Vanguard Tot Stk Markt Index. There isn't one company stock that I would feel comfortable buying and holding it no matter what it is, including Apple.
by Puretaxableindexer
Tue Feb 25, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 241
Views: 15091

Re: Gold $1600 Oz - When?

If gold becomes part of Vanguard Life Strategy funds, I'll sell it. Let people who want to put $ into that useless relic do it in a separate fund. How do you feel about the Vanguard Commodities fund, VCMDX? I just looked at it because I didn't know it existed. It's cheap, it's an active managed fun...
by Puretaxableindexer
Tue Feb 25, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids about saving money and investing
Replies: 44
Views: 3003

Re: Teaching kids about saving money and investing

This may be a way. When I was in 5th grade at my Catholic elementary school my teacher would break out the newspaper business section/stock quotes (this was long ago) and have groups of us pick out stocks we looked at and invested a fictitious sum. We would do it once a week by tracking what stocks,...
by Puretaxableindexer
Tue Feb 25, 2020 6:57 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3671
Views: 258992

Re: Coronavirus and the bear market

We are late in the business cycle, the Coronavirus may have been the impetus. Who knows. Whenever the bottom is we will figure it out in hindsight. Stay strong & positive.
by Puretaxableindexer
Tue Feb 25, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus/Sector Impact
Replies: 17
Views: 1578

Re: Coronavirus/Sector Impact

Which sectors would be expected to gain or lose from this event? So far, I have: Lose: Cruises Airlines Hotels Buses Tour Providers Event venues/Event organizers Tourist attractions such as Disneyworld and the like, Las Vegas, etc. Gain: Detergent/soap/antibacterial suppliers Makers of Latex gloves...
by Puretaxableindexer
Tue Feb 25, 2020 6:49 pm
Forum: Investing - Theory, News & General
Topic: Fidelity changes loss/gain twice in one night?
Replies: 5
Views: 421

Re: Fidelity changes loss/gain twice in one night?

I looked at my Fidelity yesterday at around 6pm about and it showed that I had lost around $550 or something. Then the next morning I checked and it was a loss of over $600. Do they do other adjustments to the accounts later in the evening or something? Thanks Yes, I believe they do. I have a Fidel...
by Puretaxableindexer
Tue Feb 25, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6160

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

I have a few SentrySafe fire safes. One is a very large one, a medium and a small one. I even cover them up using a fireproof blanket(to hide). In addition, I have special docs in a fireproof envelope and stored in a fire-safe with a fire blanket over it. After reading what I just wrote, I must be p...
by Puretaxableindexer
Tue Feb 25, 2020 6:38 pm
Forum: Non-US Investing
Topic: Blackrock Predictions
Replies: 7
Views: 997

Re: Blackrock Predictions

I'm invested in international large, med and small plus emerging markets stock and bonds, in addition to the US. That what's great about AA, I'm everywhere all the time, so my plan doesn't change and I rebalance.
by Puretaxableindexer
Tue Feb 25, 2020 6:14 pm
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 241
Views: 15091

Re: Gold $1600 Oz - When?

If gold becomes part of Vanguard Life Strategy funds, I'll sell it. Let people who want to put $ into that useless relic do it in a separate fund. How do you feel about the Vanguard Commodities fund, VCMDX? I just looked at it because I didn't know it existed. It's cheap, it's an active managed fun...
by Puretaxableindexer
Tue Feb 25, 2020 5:42 pm
Forum: Investing - Theory, News & General
Topic: ESG outperforming - will you add any ESG funds to your portfolio?
Replies: 63
Views: 3689

Re: ESG outperforming - will you add any ESG funds to your portfolio?

My main problem with ESG is it isn't really defined which allows for jumping on the tech stocks that have led the way, and I want companies that make money like defense, energy, etc... I'll stick to making dirty money.
by Puretaxableindexer
Tue Feb 25, 2020 5:39 pm
Forum: Investing - Theory, News & General
Topic: Novice high income invester- leveraged ETFs
Replies: 56
Views: 3770

Re: Novice high income invester- leveraged ETFs

I bought some UPRO, TNA and MIDU, all 3X ETFs today. But I am already fully invested and allocated, this is some play money for a ST pop. Who knows, I may be wrong, but a nearly 7% drop in 2 days is worth it to me. Lets hope upro doesn't fall another 10% tomorrow. Or you could always buy more if in...
by Puretaxableindexer
Tue Feb 25, 2020 5:31 pm
Forum: Investing - Theory, News & General
Topic: Novice high income invester- leveraged ETFs
Replies: 56
Views: 3770

Re: Novice high income invester- leveraged ETFs

I bought some UPRO, TNA and MIDU, all 3X ETFs today. But I am already fully invested and allocated, this is some play money for a ST pop. Who knows, I may be wrong, but a nearly 7% drop in 2 days is worth it to me.