Search found 352 matches

by Candor
Sat Jan 09, 2021 10:12 am
Forum: Investing - Theory, News & General
Topic: Do you have FOMO (Bitcoin, TSLA, whatever?)
Replies: 201
Views: 11810

Re: Do you have FOMO (Bitcoin, TSLA, whatever?)

I did a lot of day-trading and momentum stock trading in 1999-2000 and learned I don't have the temperament for it. Buy and hold indexes for me ever since and it has worked out just fine. Don't miss it a bit.
by Candor
Fri Jan 01, 2021 5:13 pm
Forum: Investing - Theory, News & General
Topic: Do you lump sum full amount into IRA at beginning of the year?
Replies: 46
Views: 2374

Re: Do you lump sum full amount into IRA at beginning of the year?

I transferred the $7k this morning. It's nice of Vanguard to instantly add the amount to my account total although with a little "pending" underneath. My company has been purchased by megacorp and it finalizes the first of the year so lets hope I don't get laid off before the end of the mo...
by Candor
Fri Jan 01, 2021 1:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12027
Views: 931349

Re: U.S. stocks continue to soar!

I put in the trade to go from 100% money market to 100% s&p500 in my 401k. Will execute end of the day 01/04/21. Fingers crossed. :D Going from one extreme to another is risky and I hope you are mentally prepared for it. I'm sure it will pay off in the long run so my hat is off to you in taking...
by Candor
Fri Jan 01, 2021 12:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12027
Views: 931349

Re: U.S. stocks continue to soar!

I put in the trade to go from 100% money market to 100% s&p500 in my 401k. Will execute end of the day 01/04/21. Fingers crossed. :D Going from one extreme to another is risky and I hope you are mentally prepared for it. I'm sure it will pay off in the long run so my hat is off to you in taking...
by Candor
Thu Dec 31, 2020 8:58 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3402
Views: 571289

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

I started the year approx 50/50 with mostly S&P 500/CD's,bonds,stable value fund and ended the year at 63/37 with a 13.2% return not including contributions. Transferred 3% today from the S&P to the SVF so I will start 2021 at 60/40. I did not see this year ending anywhere near these levels ...
by Candor
Tue Dec 29, 2020 6:06 pm
Forum: Personal Investments
Topic: Tried to Time - lol
Replies: 85
Views: 9512

Re: Tried to Time - lol

Right now your "loss" is meaningless to your future. The longer you wait the more impact this move could potentially have. Find an AA that you can tolerate and don't go stupid again. :twisted:
by Candor
Sat Dec 26, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 728
Views: 31570

Re: Bird watchers – what birds are you seeing?

Sandtrap wrote: Sat Dec 26, 2020 6:55 pm
Candor wrote: Fri Dec 25, 2020 12:50 pm A recent eagle with lunch.

Great shot!
What camera and lens did you use?

j :D
Thanks! It was taken with a Canon 1D Mark IV and the v1 500mm f4 with a 1.4x converter.
by Candor
Sat Dec 26, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 728
Views: 31570

Re: Bird watchers – what birds are you seeing?

Until you see one in person, you don't realize how big those birds are in real life. And quite formidable hunters. I have seen them fend of Bald Eagles who try to steal their catch. And I’ve seen them eating a rabbit and a snake in videos by the great wildlife photographer Mark Smith from Florida. ...
by Candor
Fri Dec 25, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 728
Views: 31570

Re: Bird watchers – what birds are you seeing?

A recent eagle with lunch.

Image
by Candor
Fri Dec 25, 2020 12:38 pm
Forum: Personal Investments
Topic: How do you track your investments?
Replies: 98
Views: 6954

Re: How do you track your investments?

I just use the Vanguard site. It automatically updates all my outside Vanguard funds daily (although not dividends for some reason) and I go in and manually update CD's, Ibonds, HYSA and stable value monthly. Works well for my simple portfolio.
by Candor
Sat Dec 19, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: how much annual income do you think you need in retirement?
Replies: 113
Views: 8564

Re: Poll: how much annual income do you think you need in retirement?

Single 53, no pension and no debt. I plan to retire in a MCOL area in the next year or two at the latest. Will start out at $50k-$55k and adjust as needed. My expenses this year are approximately $25k so I'm looking forward to the "pay" raise.
by Candor
Sat Dec 19, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12027
Views: 931349

Re: U.S. stocks continue to soar!

As I have said over and over, this is not 1999. We are seeing optimism but not euphoria . There's a Bloomberg interview with someone from Morgan Stanley and she dropped the "e" word on us! It's at the 2:50 mark. https://m.youtube.com/watch?v=2gcQJgmKe7w The video is entitled, "This M...
by Candor
Sat Dec 19, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: [Maxing out your IRA and other things to do on January 1st]
Replies: 172
Views: 14024

Re: So, who's maxing out their IRA on Jan 1st?

It will be a difficult decision since the $7k I have sitting in my "HYSA" for this is raking in a whopping .5% but I will probably bite the bullet and give that up for the vagaries of Mr. Market.
by Candor
Fri Dec 18, 2020 6:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12027
Views: 931349

Re: U.S. stocks continue to soar!

As I have said over and over, this is not 1999. We are seeing optimism but not euphoria . There's a Bloomberg interview with someone from Morgan Stanley and she dropped the "e" word on us! It's at the 2:50 mark. https://m.youtube.com/watch?v=2gcQJgmKe7w The video is entitled, "This M...
by Candor
Wed Dec 16, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured Motorist-Bodily Injury coverage in FL
Replies: 2
Views: 264

Re: Uninsured Motorist-Bodily Injury coverage in FL

UMBI will take into account pain & suffering, disability on top of medical bills. Also, lost wages if applicable.
by Candor
Tue Dec 15, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: Charlie Munger - next 10 years to be lower than the last 10
Replies: 147
Views: 11764

Re: Charlie Munger - next 10 years to be lower than the last 10

So he's saying the same thing implied by CAPE and the average investor allocation to equity measures: returns over the next decade are very likely to be lower than they've been in the past decade. I personally doubt that they'll return 5% real on an annualized basis. But invest we must. I'd be happ...
by Candor
Thu Dec 10, 2020 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 119
Views: 11349

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

I also received the email today. On the upside, on the way to the gym earlier today I saw a local bank advertising a 1 year .35% CD. Presumably because they were listing it on their business sign for all to see it must be one of their best deals. :oops:
by Candor
Sun Dec 06, 2020 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Hate My Job
Replies: 239
Views: 20857

Re: Hate My Job

I'm in a very similar situation and I am waiting to see what happens this spring with the SCOTUS ruling on the ACA before I make a move. My research of the prevailing analysis of the potential outcome of that ruling is fairly positive but you never know.
by Candor
Fri Dec 04, 2020 7:24 pm
Forum: Personal Investments
Topic: Short Tesla?
Replies: 93
Views: 6479

Re: For those wanting to short Tesla

Long-time Tesla short Jim Chanos, president and founder of New York hedge fund Kynikos Associates just yesterday stated he recently slashed his short position on Tesla. Maybe his partial capitulation is an indicator now is a good time start shorting Tesla? I certainly wouldn't chance it. His fund u...
by Candor
Fri Dec 04, 2020 2:09 pm
Forum: Personal Investments
Topic: Short Tesla?
Replies: 93
Views: 6479

Re: For those wanting to short Tesla

Long-time Tesla short Jim Chanos, president and founder of New York hedge fund Kynikos Associates just yesterday stated he recently slashed his short position on Tesla. Maybe his partial capitulation is an indicator now is a good time start shorting Tesla? I certainly wouldn't chance it. His fund u...
by Candor
Fri Dec 04, 2020 12:43 pm
Forum: Personal Investments
Topic: Short Tesla?
Replies: 93
Views: 6479

Re: For those wanting to short Tesla

Long-time Tesla short Jim Chanos, president and founder of New York hedge fund Kynikos Associates just yesterday stated he recently slashed his short position on Tesla. Maybe his partial capitulation is an indicator now is a good time start shorting Tesla? I certainly wouldn't chance it.
by Candor
Thu Dec 03, 2020 5:39 pm
Forum: Investing - Theory, News & General
Topic: after 1 million, what makes a difference?
Replies: 162
Views: 17931

Re: after 1 million, what makes a difference?

What are others' thoughts? I’m in my 40s and quickly approaching $6m nw 10-fold would make a difference for me First class would be replaced with private jet charter Otherwise it’s just the same stuff different day tbh Did you lose 4 million? In this thread you stated you were "close to 10m&qu...
by Candor
Sat Nov 28, 2020 6:22 pm
Forum: Personal Investments
Topic: International is finally outperforming?
Replies: 70
Views: 7306

Re: International is finally outperforming?

I increased my AA a little and moved 5% to international a month or two ago from bonds and it's up over 10% so far. I'm pretty sure it will continue to outperform bonds and FI albeit with added volatility but I'm not concerned whether it will outperform the US, just FI which is a pretty low bar. :D...
by Candor
Sat Nov 28, 2020 12:08 pm
Forum: Personal Investments
Topic: International is finally outperforming?
Replies: 70
Views: 7306

Re: International is finally outperforming?

I increased my AA a little and moved 5% to international a month or two ago from bonds and it's up over 10% so far. I'm pretty sure it will continue to outperform bonds and FI albeit with added volatility but I'm not concerned whether it will outperform the US, just FI which is a pretty low bar. :D
by Candor
Fri Nov 27, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 728
Views: 31570

Re: Bird watchers – what birds are you seeing?

LadyGeek wrote: Fri Nov 27, 2020 2:03 pm Until you see one in person, you don't realize how big those birds are in real life.
And quite formidable hunters. I have seen them fend of Bald Eagles who try to steal their catch.
by Candor
Fri Nov 27, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12027
Views: 931349

Re: U.S. stocks continue to soar!

Another S&P record high. :beer
by Candor
Wed Nov 25, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2345

Re: Transmission troubles

Check https://www.car-part.com/ for availability at local salvage yards.
by Candor
Wed Nov 25, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: 2021 retirement portfolio ?
Replies: 57
Views: 4546

Re: 2021 retirement portfolio ?

I've been hearing about these low expected returns for the last 10 years. So far so good. I intend to retire within the next couple of years and very possibly next year and I'm currently at 62/38 equities/cd's & ibonds.
by Candor
Mon Nov 23, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 171
Views: 13957

Re: Silliest Investment Mistakes?

I got a very small pension pay out ($8700) around 2011 and although I was 100% equities in my 401k I was a little gun shy of stocks after the 2008 housing crisis so I moved it to a CD in an IRA and have kept it there since. It's now worth about $10150. :oops: I did a fair amount of day-trading durin...
by Candor
Sat Nov 21, 2020 5:56 pm
Forum: US Chapters
Topic: Are you a Boglehead?
Replies: 114
Views: 5628

Re: Are you a Boglehead?

I would say that for the most part I am a Boglehead. I have done a little market timing around the edges this year with approximately 10% of my portfolio and I have approx 3% in bonds and the rest of my FI in CD's and a stable value fund which I suppose is not considered very Bogleheadlike. I do hav...
by Candor
Sat Nov 21, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Any Car Tire Enthusiasts Out There?
Replies: 21
Views: 1757

Re: Any Car Tire Enthusiasts Out There?

I have a 4Runner and it came with the Michelin - Defender LTX M/S tires. I researched tires on several 4Runner forums and it is a highly recommended tire for all around use. They are smooth and long lasting.
by Candor
Fri Nov 20, 2020 11:47 am
Forum: Personal Investments
Topic: What is your percentage of debt to NW?
Replies: 139
Views: 7772

Re: What is your percentage of debt to NW?

0%. There is an argument to be made that this is not ideal but it works for me and I intend to keep it that way.
by Candor
Tue Nov 17, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?
Replies: 124
Views: 6951

Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

We dont factor our home in our net worth. Never have, never will. Just curious as to why you don't calculate it in your net worth? I know that you're not the only one to do that, but even though a house may be more illiquid than a retirement account or a taxable account, if you and a renter had the...
by Candor
Sun Nov 15, 2020 7:41 pm
Forum: Investing - Theory, News & General
Topic: What is a High Earner bracket
Replies: 119
Views: 8689

Re: What is a High Earner bracket

My spouse and I have total combined income around ($1-1.2m) for last couple of years. After a 40% tax and other expenses, we live a reasonably comfortable life in a high-cost location but do not consider ourselves high earners or anything like that. We invest a lot - max 401Ks for both, max after-t...
by Candor
Wed Nov 11, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: first million [in your retirement portfolio]
Replies: 177
Views: 27058

Re: first million [in your retirement portfolio]

53, single, self made and started at age 27 with a 2% contribution to my 401k. I am currently $9k away from reaching $1m for the first time. $1.3m+ NW. Wish me luck. :D
by Candor
Wed Nov 11, 2020 6:43 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26162

Re: Taylor Sends His Best to Fellow Bogleheads

All the best Taylor. You are looking well and I'm glad to hear you are back!
by Candor
Mon Nov 09, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 12027
Views: 931349

Re: U.S. stocks continue to soar!

I was a little disappointed with just 1+% today. I think I'm getting spoiled. :D

Although a close of +3.5% would have put me past a nice round number for the first time so I think that was part of it. :beer
by Candor
Sat Nov 07, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: Long-Life Flashlight
Replies: 52
Views: 3650

Re: Long-Life Flashlight

Fenix. Have used them virtually every day for years without fail.

https://www.fenix-store.com/?gclid=EAIa ... gLkgvD_BwE

*Edited to add I own several but my most used is an LD22 which I have dropped onto concrete 20+ times without effect.*
by Candor
Sat Nov 07, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: Market Timing & Dumb Luck: Lesson Learned
Replies: 14
Views: 1972

Re: Market Timing & Dumb Luck: Lesson Learned

No reason not to believe the op considering it's a small % of their pf and the fact that they admit it was "dumb luck" but it is curious that the vast majority of folks posting good market timing gains are after the fact.
by Candor
Fri Oct 30, 2020 7:51 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8407

Re: Heat - What do you set your temps to in Winter?

74-75 during the day and 72 at night. I enjoy sleeping in the cool but I have grown to dislike getting up early in the morning when the house is cold. I also like to wear shorts and a t-shirt or a light long sleeve shirt while at home so anything cooler and it gets uncomfortable.
by Candor
Mon Oct 26, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21201
Views: 2876617

Re: U.S. stocks in free fall

lostdog wrote: Mon Oct 26, 2020 1:08 pm Waiting for forester's new crash prediction. :beer
Check out the Soar thread. Another gem.
by Candor
Sun Oct 25, 2020 7:41 pm
Forum: Personal Investments
Topic: removed
Replies: 14
Views: 970

Re: Low Priority - Breaking small CD early a sin after rates declined?

I personally wouldn't do it but if it bugs you enough to post a thread about it maybe you should. The $ involved is insignificant and if the situation is causing you aggravation it may be worth it to simplify.
by Candor
Sun Oct 25, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: Marketwatch.com started charging recently
Replies: 22
Views: 3050

Re: Marketwatch.com started charging recently

I received a notice from them the other day stating I was about to reach my limit of free articles so maybe they will be like Bloomberg and allow 3 free a month or something similar?
by Candor
Sun Oct 25, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard inflows on a roll!
Replies: 9
Views: 1292

Re: Vanguard inflows on a roll!

$7+ Trillion in managed assets. It almost makes me think they may look at my PF with them as insignificant. :D
by Candor
Sat Oct 24, 2020 11:39 am
Forum: Investing - Theory, News & General
Topic: Did the 4% rule just become the 5% rule? :)
Replies: 156
Views: 19540

Re: Did the 4% rule just become the 5% rule? :)

My plan for years has been 5% for the first 15 years and then roughly 2% once SS kicks in at 70 but I will have the ability to go to 2% at any time if needed. 2% is slightly above a bare-bones budget for me but I am currently living on that in an effort to reach my goals in the next couple of years ...
by Candor
Tue Oct 13, 2020 6:04 pm
Forum: Investing - Theory, News & General
Topic: Which asset class will be the best in the 2020s?
Replies: 48
Views: 3092

Re: Which asset class will be the best in the 2020s?

If I had to make a guess it would be tech but I'm not investing in it beyond what is in the S&P 500 and similar indexes.
by Candor
Sun Sep 13, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3692

Re: Asset Allocation-What have you learned about yourself?

The older I get and the wealthier I get the more I am concerned with capital preservation over maximizing potential returns. Nothing earth shattering.
by Candor
Thu Sep 10, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 356
Views: 29435

Re: What is your age and asset allocation ?

53 years old and 51/12/37 equities/bonds/cd's & ibonds. No pension and plan to retire in the next 2 years. I intend to keep the equities between 50-60% for the time being.