Search found 55 matches

by SethJane42
Fri Sep 04, 2020 3:20 pm
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 80
Views: 14386

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

neurosphere wrote: Fri Sep 04, 2020 3:18 pm
SethJane42 wrote: Fri Sep 04, 2020 3:16 pm VBUFX has a minimal risk with a Vanguard risk level of 1, isn't bound by frequent trader rules, and the yield isn't bad.
Typo. You mean VUBFX--> Vanguard ultra short term bond fund https://investor.vanguard.com/mutual-fu ... file/VUBFX
Thanks! I'll correct.
by SethJane42
Fri Sep 04, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 80
Views: 14386

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

VUBFX has a minimal risk with a Vanguard risk level of 1, isn't bound by frequent trader rules, and the yield is a bit better than the money market.
by SethJane42
Thu Sep 03, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Chase performance all you want.. it doesn't need to matter
Replies: 111
Views: 8243

Re: Chase performance all you want.. it doesn't need to matter

One thing is for sure is that if all one invests in is the market index, one will never underperform it, but you will never beat it either. Wherever it goes and ends up at any given time will be exactly where your portfolio goes and ends up. There is risk with this strategy, not only from where the ...
by SethJane42
Sun Aug 30, 2020 12:42 pm
Forum: Personal Investments
Topic: Way too much cash - Should it be in bond funds?
Replies: 77
Views: 9085

Re: Way too much cash - Should it be in bond funds?

Intelligence, vetting, eyeballs, and hard work can make one aware of what stock or fund is actually expensive or inexpensive at a particular time. The insight that this is a fallacy for the individual investor, and even almost all professionals, is literally the essence of John Bogle's life's work....
by SethJane42
Sun Aug 30, 2020 11:21 am
Forum: Personal Investments
Topic: Way too much cash - Should it be in bond funds?
Replies: 77
Views: 9085

Re: Way too much cash - Should it be in bond funds?

Why was the information I shared nonsense? Is not VFITX (Risk level 2 at Vanguard) more risky than VUBFX (Risk Level 1)? Is it not possible that OP could lump sum that amount in VFITX and see it lose -12% in the next few years? Looking at the historical numbers of this fund shows a -15% drop in 199...
by SethJane42
Sun Aug 30, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2060
Views: 495844

Re: Share your net worth progression

I won't get into the actual amount of money I have, but I will say that since I started investing in 1999, my net worth not counting my home has gone up 150,000%, all through long-term investing in Vanguard funds, a small bevy of single stocks that have gone through the roof, and at some point getti...
by SethJane42
Sun Aug 30, 2020 10:39 am
Forum: Personal Investments
Topic: Way too much cash - Should it be in bond funds?
Replies: 77
Views: 9085

Re: Way too much cash - Should it be in bond funds?

Intelligence, vetting, eyeballs, and hard work can make one aware of what stock or fund is actually expensive or inexpensive at a particular time. The insight that this is a fallacy for the individual investor, and even almost all professionals, is literally the essence of John Bogle's life's work....
by SethJane42
Sun Aug 30, 2020 10:17 am
Forum: Personal Investments
Topic: Way too much cash - Should it be in bond funds?
Replies: 77
Views: 9085

Re: Way too much cash - Should it be in bond funds?

Coming to bonds, it appears you were listening to nonsense like this: Bond fund share prices are at the high points in their cycles, though a short-term bond fund like VUBFX ( current 30-day SEC yield .84%) have a small range of volatility. You could put money in that and risk losing maybe 1-2% as ...
by SethJane42
Sat Aug 29, 2020 7:24 pm
Forum: Personal Investments
Topic: Questions with individual stock picking
Replies: 33
Views: 2006

Re: Questions with individual stock picking

If all one invests in is one's favorite stock index fund then one's portfolio will never outperform the index it's based on. It won't underperform it either. The question then is whether or not that particular index is truly the be all and end all of things one should be invested in.
by SethJane42
Sat Aug 29, 2020 7:09 pm
Forum: Personal Investments
Topic: Questions with individual stock picking
Replies: 33
Views: 2006

Re: Questions with individual stock picking

I remember seeing a news piece on some show on an investing club comprised of senior women who researched and vetted companies before they invested.If it was a restaurant, they'd go eat there and observe the traffic and the service. An brick and mortar business, they'd do the same. They did a lot b...
by SethJane42
Sat Aug 29, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6035
Views: 1404917

Re: What Movie Have You Recently Watched?

I'm on a road trip and watched Scent Of Woman and Kate and Leopold on Showtime. All I could think about AL Pacino is that there are two of him. There is the younger one with higher and almost nasal voice, capable of explosive powerful rage at given moments. Then there is the Scent Of A women , Godfa...
by SethJane42
Sat Aug 29, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Co-Signing mortgage for parents
Replies: 29
Views: 2336

Re: Co-Signing mortgage for parents

Choose the path that insures your relationship with your parents stays intact if the worst case scenario happens and they default. It can happen. Families break up over co-signed financial business all the time. They all say "that would never happen to us", but it does. The worst is when t...
by SethJane42
Sat Aug 29, 2020 6:21 pm
Forum: Personal Investments
Topic: Questions with individual stock picking
Replies: 33
Views: 2006

Re: Questions with individual stock picking

OP< the Boglehead philosophy I believe is good for a certain portion of investment money. Call it a base. My spouse and I use a certain portion for single stocks. If you study and vet a company and see only a solid company with a bright future, then why not start buying some shares as a long-term i...
by SethJane42
Sat Aug 29, 2020 6:06 pm
Forum: Investing - Theory, News & General
Topic: If you invest in REITs, are you sticking with VNQ/VGSLX or getting selective
Replies: 47
Views: 6421

Re: If you invest in REITs, are you sticking with VNQ/VGSLX or getting selective

Yes. My spouse came to our now co-account (taxable) with VGSLX at a very low cost basis, but only invest in it in the Roth now. 5% of total portfolio is VGSLX and earns a good dividend every year and has been a winner overall. I've made considerable money swing-trading WELL in my Roth over the years...
by SethJane42
Sat Aug 29, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9575

Re: Capital One Bank bonus $450

FYI. If you have $50k lying around for existing customers, Capital One Bank is offering a $450 bonus if you deposit $50k by 5/31/20 and hold it until 8/29/20. Or $150 bonus for a $20k deposit. Seems to only apply to existing accounts, but may also apply to new accounts, don't see why not. I don't k...
by SethJane42
Sat Aug 29, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: Are you a closet market-timer?
Replies: 174
Views: 13941

Re: Are you a closet market-timer?

The question of this thread implies that people here are all in step with a belief system, like a cult, and have to hide any investing that could be deemed market-timing. If the S&P goes down -30-40%, you better believe I'm timing that market and using cash reserves to buy up more shares of the ...
by SethJane42
Sat Aug 29, 2020 11:42 am
Forum: Personal Investments
Topic: Way too much cash - Should it be in bond funds?
Replies: 77
Views: 9085

Re: Way too much cash - Should it be in bond funds?

Intelligence, vetting, eyeballs, and hard work can make one aware of what stock or fund is actually expensive or inexpensive at a particular time. I believe that you believe this is true. I however, do not. There are plenty of intelligent people who work very hard at determining whether assets are ...
by SethJane42
Sat Aug 29, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: First time considering AirBnB or VRBO
Replies: 23
Views: 1712

Re: First time considering AirBnB or VBRO

My two experience with Air BnB wasn't great--both places didn't live up to expectations. There is really no quality control (like cleanliness) or service like a good hotel. It's hotels and the professionalism that comes with for me from here on in.
by SethJane42
Sat Aug 29, 2020 10:48 am
Forum: Personal Investments
Topic: Way too much cash - Should it be in bond funds?
Replies: 77
Views: 9085

Re: Way too much cash - Should it be in bond funds?

I'm a buy low, sell high person. Sorry but I stopped reading after the first sentence. How exactly do you know when it is "low" to buy back in and when it is "high" to time your selling? Does everyone know this? Anyone who works at it? Or just you? bond share prices could crash ...
by SethJane42
Sat Aug 29, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: Why is Apple doing a stock split?
Replies: 35
Views: 3188

Re: Why is Apple doing a stock split?

If you have AAPL held at Vanguard, check out your account balance. They split the shares, but not the price--it's still499.23. Making some of you millionaires for a weekend.
by SethJane42
Sat Aug 29, 2020 10:06 am
Forum: Personal Investments
Topic: Stock split help
Replies: 10
Views: 957

Re: Stock split help

Just checked my AAPL holdings on Vanguard, and the number of shares I hold have been multiplied by 4, but the price is still listed as 499.23, making me a millionaire for a weekend.

If you have AAPL at Vanguard, check it out.
by SethJane42
Sat Aug 29, 2020 9:49 am
Forum: Investing - Theory, News & General
Topic: Winklevoss: The Case for $500,000 Bitcoin
Replies: 349
Views: 23874

Re: Winklevoss: The Case for $500,000 Bitcoin

The Winklevae are whales, and whales are just one of the problems with Bitcoin.
by SethJane42
Sat Aug 29, 2020 9:44 am
Forum: Personal Investments
Topic: Convincing teenager to invest in Roth
Replies: 109
Views: 5934

Re: Convincing teenager to invest in Roth

I didn't read al the replies, OP, and perhaps someone already said this. Roths don't lock up money at all, you can withdraw any contributions without penalty at any time, but have to pay taxes on earnings that are withdrawn early: https://www.schwab.com/ira/roth-ira/withdrawal-rules That point is r...
by SethJane42
Sat Aug 29, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I quit high paying job?
Replies: 144
Views: 17328

Re: Should I quit high paying job?

OP, you have vast amounts of creativity at your disposal at any time. Be creative with your life and make it what you want. Vision+action=creating your reality. All creativity unfolds within a field of probabilities. Remember that. Perhaps, even if you wanted it and worked hard enough, you'll never ...
by SethJane42
Sat Aug 29, 2020 9:21 am
Forum: Personal Investments
Topic: Convincing teenager to invest in Roth
Replies: 109
Views: 5934

Re: Convincing teenager to invest in Roth

I didn't read al the replies, OP, and perhaps someone already said this. Roths don't lock up money at all, you can withdraw any contributions without penalty at any time, but have to pay taxes on earnings that are withdrawn early:

https://www.schwab.com/ira/roth-ira/withdrawal-rules
by SethJane42
Sat Aug 29, 2020 9:15 am
Forum: Personal Investments
Topic: What to do with unused emergency fund?
Replies: 39
Views: 3429

Re: What to do with unused emergency fund?

I have over 6 months saved in an emergency fund. I know it is meant for unforeseeable expenses, but I feel like things in my life are relatively stable so that I could just keep 2 months worth in my checking account and then do something with the other 4 months that could be liquidated (even with a...
by SethJane42
Sat Aug 29, 2020 9:07 am
Forum: Personal Investments
Topic: Way too much cash - Should it be in bond funds?
Replies: 77
Views: 9085

Re: Way too much cash - Should it be in bond funds?

I'm a buy low, sell high person. Bond fund share prices are at the high points in their cycles, though a short-term bond fund like VUBFX ( current 30-day SEC yield .84%) have a small range of volatility. You could put money in that and risk losing maybe 1-2% as opposed to an intermediate fund like V...
by SethJane42
Fri Aug 28, 2020 11:31 am
Forum: Personal Investments
Topic: What to do with unused emergency fund?
Replies: 39
Views: 3429

Re: What to do with unused emergency fund?

I have over 6 months saved in an emergency fund. I know it is meant for unforeseeable expenses, but I feel like things in my life are relatively stable so that I could just keep 2 months worth in my checking account and then do something with the other 4 months that could be liquidated (even with a...
by SethJane42
Fri Aug 28, 2020 11:27 am
Forum: Investing - Theory, News & General
Topic: How long could you live off your portfolio if the worst happened?
Replies: 110
Views: 10819

Re: How long could you live off your portfolio if the worst happened?

If my portfolio was cut 50% tomorrow, and there were no further gains or dividends, and I lived frugally and only ate 1 package of Little Debbies a day instead of two, I could live 30 years. Although, I only have about 25 left in me. Years, not Lil Debbies.
by SethJane42
Wed May 20, 2020 10:10 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 14151

Re: S&P500 vs World Performance

Deleted--I was wrong
by SethJane42
Sun May 17, 2020 9:09 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 14151

Re: S&P500 vs World Performance

Deleted--I was wrong
by SethJane42
Sun May 17, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 14151

Re: S&P500 vs World Performance

Deleted--I was wrong
by SethJane42
Sun May 17, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 14151

Re: S&P500 vs World Performance

Deleted--I was wrong
by SethJane42
Sun May 17, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 14151

Re: S&P500 vs World Performance

Deleted--I was wrong
by SethJane42
Sun May 17, 2020 7:48 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 14151

Re: S&P500 vs World Performance

Deleted--I was wrong
by SethJane42
Sat May 16, 2020 8:46 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 11044

Re: Please tell me I'm not crazy

Deleted--I was wrong
by SethJane42
Fri May 15, 2020 4:13 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44470

Re: Why international?

Deleted--I was wrong
by SethJane42
Fri May 15, 2020 3:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20764
Views: 2835556

Re: U.S. stocks in free fall

Deleted--I was wrong
by SethJane42
Thu May 14, 2020 11:46 am
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 109
Views: 11990

Re: Why no love for REITs?

Deleted--I was wrong
by SethJane42
Thu May 14, 2020 11:25 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44470

Re: Why international?

Deleted--I was wrong
by SethJane42
Thu May 14, 2020 10:09 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44470

Re: Why international?

Deleted--I was wrong
by SethJane42
Thu May 14, 2020 8:17 am
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 109
Views: 11990

Re: Why no love for REITs?

Deleted--I was wrong
by SethJane42
Wed May 13, 2020 11:43 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44470

Re: Why international?

Deleted--I was wrong
by SethJane42
Wed May 13, 2020 7:12 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44470

Re: Why international?

Deleted--I was wrong
by SethJane42
Wed May 13, 2020 3:51 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44470

Re: Why international?

Deleted--I was wrong
by SethJane42
Wed May 13, 2020 8:07 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44470

Re: Why international?

Deleted--I was wrong