Bogleheads.org

Candor

No he doesn't.

Candor

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.

Candor

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...

Candor

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...

Candor

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...

Candor

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 ...

Candor

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.

Candor

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

Thanks! It was taken with a Canon 1D Mark IV and the v1 500mm f4 with a 1.4x converter.

Candor

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. ...

Candor

A recent eagle with lunch.

Candor

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.

Candor

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.

Candor

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...

Candor

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.

Candor

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...

Candor

UMBI will take into account pain & suffering, disability on top of medical bills. Also, lost wages if applicable.

Candor

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...

Candor

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.

Candor

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.

Candor

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...

Candor

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...

Candor

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.

Candor

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...

Candor

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...

Candor

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.

Candor

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.

Candor

Another S&P record high.

Candor

Check https://www.car-part.com/ for availability at local salvage yards.

Candor

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.

Candor

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...

Candor

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...

Candor

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.

Candor

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.

Candor

22% for both.

Candor

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...

Candor

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...

Candor

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.

Candor

All the best Taylor. You are looking well and I'm glad to hear you are back!

Candor

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

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.

Candor

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.*

Candor

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.

Candor

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.

Candor

lostdog wrote: ↑Mon Oct 26, 2020 1:08 pm Waiting for forester's new crash prediction.

Check out the Soar thread. Another gem.

Candor

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.

Candor

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?

Candor

$7+ Trillion in managed assets. It almost makes me think they may look at my PF with them as insignificant.

Candor

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 ...

Candor

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.

Candor

The older I get and the wealthier I get the more I am concerned with capital preservation over maximizing potential returns. Nothing earth shattering.

Candor

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.

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