Search found 352 matches
- Mon Jan 11, 2021 6:38 pm
- Forum: Investing - Theory, News & General
- Topic: Munger warns of lost decade for investing (2021-2031)
- Replies: 71
- Views: 9613
Re: Munger warns of lost decade for investing (2021-2031)
No he doesn't.
- 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.
- 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...
- 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...
- 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...
- 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 ...
- 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. 

- Sat Dec 26, 2020 7:06 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 728
- Views: 31570
- 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. ...
- Fri Dec 25, 2020 12:50 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 728
- Views: 31570
- 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.
- 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.
- 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...
- 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.
- 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...
- 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.
- 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...
- 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. 

- 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.
- 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...
- 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...
- 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.
- 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...
- 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...
- 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. 

- Fri Nov 27, 2020 4:15 pm
- Forum: Personal Consumer Issues
- Topic: Bird watchers – what birds are you seeing?
- Replies: 728
- Views: 31570
- 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. 

- 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.
- 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.
- 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...
- 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...
- 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.
- 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.
- 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
- 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...
- 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...
- 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. 

- 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!
- 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.
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.

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.

- 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.*
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.*
- 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.
- 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.
- Mon Oct 26, 2020 1:24 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 21201
- Views: 2876617
- 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.
- 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?
- 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. 

- 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 ...
- 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.
- 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.
- 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.