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woof755

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woof755

Super late to this, but: Lulu Lemon men's clothing--exercise shirts and shorts, but especially their pants. They look like dress slacks but are super comfortable. I'm still cheap, and only shop from the clearance rack and "We Made Too Much" on their site. I forgot, their briefs are great, ...

woof755

I think it depends on what you mean by a financial "headstart". Tax deferred accounts would be helpful to them at retirement, but that's a really long time. Putting money into a tax-efficient ETF in a taxable account, as mentioned above, will allow them to use the money a little sooner, li...

woof755

I have a couple of friends who prefer to buy individual stocks. One of them bought Oasis Petroleum (OAS) at the Covid-19 low, and it just jumped by 121% in a day. The other is buying Draftkings (DKNG) and Penn National Gaming (PENN.) He says they are up big for him, and sports haven’t even resumed ...

woof755

I've been 60/40 for about 8 years. At age 37-45 over that time (45 now), I could have done better had I been 70/30. What I have found is that as life got busier, moving half way across the world, wife taking a full time job from not working, kids getting into the teen years more involved in activiti...

woof755

I find it paradoxical that momentum is a factor in investing, and over-rebalancing is beneficial as well. Probably bc I am misunderstanding something. I'll admit.

woof755

Thanks for the clarification!

woof755

Barron's has an interesting article in their 12/20/2019 edition: Master Stockpicker Peter Lynch: If You Only Invest in an Index, You’ll Never Beat It https://www.barrons.com/articles/master-stockpicker-peter-lynch-if-you-only-invest-in-an-index-youll-never-beat-it-51576874071?mod=article_signInButt...

woof755

Larry is my favorite financial author. Despite the fact that macroeconomics is politics, and Larry’s leanings are much more freshwater than saltwater.

woof755

Is Vanguard late to post dividends for anyone else? My funds’ ex-div date is 12/23 and I still don’t see anything.

woof755

@MichaelKitces
@behaviorgap Carl Richards
@jasonzweigwsj
@WadePfau
@daniel_egan
@ritholtz
@Noahpinion
Robin Powell
@NinjaEconomics
@bencasselman
@JustinWolfers
@TimHarford
@Tylercowen
@R_Thaler
@PennyWriter Penelope Wang
@fesearchpuzzler Tom Brakke
@TheFinanceBuff
@RobinJPowell

woof755

One tiny tip I can offer in the meantime... If you have not maxed out your 401k, apply all of your final one or two paychecks this year to the 401k. If you need cash, sell your funds in taxable accounts to cover expenses. This will, in effect, convert taxable money to 401k money. the cap gains you w...

woof755

I'm split 60/40 stocks and bonds, and 60/40 US and international. I like the symmetry and having been at this allocation for the last several years, I find myself rarely looking at the market results. No idea if this is the best split going forward, but it's the one that I'm fully comfortable with. ...

woof755

On HBO: Chernobyl is fantastic. It's not a mushy human drama--it lets the events provide the drama and does so expertly. The final episode walks you through the events and the science of how a reactor could blow up, achieving the seemingly impossible feat of making it entertaining and informative. I...

woof755

Man, I looked up the reviews of the KitchenAid we wanted to buy and the majority of them were terrible. So I went to Consumer Reports and saw that they recommended Samsung and LG. So I looked up the reviews for these and the majority of them were terrible. But at least they were funny! Best uses of ...

woof755

nisiprius wrote: ↑Wed Jan 16, 2019 5:48 pm Oh, no. Words fail me.

This is how I feel.
Words are inadequate right now.

But, his legacy lives with everyone here and so many more.

woof755

kadibex1 wrote: ↑Fri Nov 16, 2018 4:32 pm http://www.msn.com/en-us/money/taxes/he ... tp#image=1

They've finally upped the IRA contribution limit from $5500 to now $6000. YAY!!!

This makes the monthly math so much cleaner!

woof755

Thanks for posting this. I'm confused, too. My domestic allocation is currently 65% VG small cap value index and 35% VG US Multifactor Admiral. This is a change from 65% SCV / 35% VG Total Stock Market, after I read Larry's updated Black Swan and the Factor Based investing book. Internationally, I'm...

woof755

Stay thin.
At all cost.

woof755

Put your $3k into the Roth IRA, then continue funding it. I'd recommend Life Strategy Growth (80/20) or moderate growth (60/40) Then leave it alone and read the Bogleheads' Guide to Investing, Larry Swedroe's The Only Guide to a Winning Bond Strategy You'll Ever Need, and The Only Guide You'll Ever ...

woof755

Hi DonDraper, We have installed this ceramic / wood composite flooring https://www.inhaussurfaces.com/sono (my understanding is this is the new alternative to vinyl flooring) in our new laundry room and 2nd bathroom upstairs. We are building an "Ohana house" over our garage and have purcha...

woof755

I'm sorry for the loss of your family member, and I'm in no way suggesting I know better than you what to do with your pet now.

But, this eco-friendly option has intrigued us, though our pet is only 2 years old.

http://theforeverspot.com/

woof755

The Nevada plan through Vanguard (can link Upromise funds to it) is low cost. I like it because I can access my 529s through the same VG site I use for everything else.

woof755

2011 Lexus CT200h, 72000 miles. Living where I do, hard to imagine putting more than 7-8k miles a year on it from now on.
It survived hitting a deer in N.Carolina, hopefully it survives my kids learning to drive in it in a couple years!

woof755

"Dress me slowly, I'm in a hurry", one of my GI attendings used to say.

He attributed it to Napoleon, but a quick google search suggests it was around before Napoleon, as well.

woof755

Mystic River
Oldie, but I had never seen it before. excellent performances by Sean Penn and Tim Robbins

And Deadpool (the original)
omigoodness so funny and inappropriate!

woof755

I'm sorry for your loss, It might be helpful also to know of any outstanding debts / mortgages / expenses such as college tuition that you have or foresee. But if you're asking whether you should wait or invest the money now, I'm afraid no one can tell you a right answer. Generally when these questi...

woof755

The forum is free, and the front page is fine.

(would be my vote if this were a poll)

woof755

My former university employer offered 8 years of college tuition for my kids. I worked there for 9 years.

We moved to Hawaii. Haven't regretted it for a second.

(of course, kids aren't in college yet...

)

woof755

Better Call Saul

woof755

I will not fully steer my kids away from medicine. But I will steer them away from a specialty that involves night and weekend call.
It's just the worst.

woof755

The main problem with high yield corporate bonds is that when that risk shows up, it shows up at the same time your equities are being hit. So, they're risky assets, and they are highly correlated with equities. Not as big a change from 100% equity as you think. I see your point. Both may well go d...

woof755

The main problem with high yield corporate bonds is that when that risk shows up, it shows up at the same time your equities are being hit.
So, they're risky assets, and they are highly correlated with equities. Not as big a change from 100% equity as you think.

woof755

Also an Oahu resident with little ones--we love Aulani. The hotel is as expensive as the Four Seasons, but justifiably so because included in the price is basically admission to an amazing water park. There are two slides that are fun for kids and adults (fast, and dark!). The lazy river is long and...

woof755

I like keeping things all in one house at VG, too. But, when NC offered a tax break (which they revoked), I used the NC plan through their own website. Just one extra account, not too cumbersome. Interestingly, when they took away the state income tax deduction, I was allowed to roll the NC 529 into...

woof755

One possibly loosely related piece of advice. Please double, triple check that all addresses associated with your deceased relative are updated to reflect your DH. We moved into a house in April 2017. We are aware of the man who lived here before, and passed. In February I received a 2015 tax rebate...

woof755

GMaynardKrebs, Couple things that came to my mind as I read your post: 1. Black Swan events are not the usual dips in the market, and it's important to consider their importance. The behavioral finance aspect of this is important--mitigating fat tails and avoiding Black Swan events will keep people ...

woof755

I base my comments on my experience with the twin bear markets of 2000-2002 and 2008-2009. During that first bear market, owning volatile non-correlating assets really helped a portfolio. During the financial crisis of 2008-2009, most everything crashed. The Small/Value tilting that helped during 2...

woof755

But I have a question. Can you really 'mitigate' a black swan? Personally, I don't think you can. My chief takeaway from reading Larry's detailed response was the method he is using (partly) is 'hyperdiversification' (his term). Scatter those eggs, and keep them in separate baskets. Seems reasonabl...

woof755

I wonder, though, if "I don't care if I get colon cancer when I'm 70" still means the same thing to someone when she turns 70 and is otherwise healthy. I am in my early 70's and hope to live another 25-35 years - so I DO care about getting colon cancer for many years. Right?!!! When I was...

woof755

The best way to minimize the cost of this is to not get a colonopscopy. I like what the following guy says and found the Worried Sick book of interest: I don't care if I develop colon cancer in my 80s; something else is likely to kill me long before it can. I don't care if I develop colon cancer in...

woof755

We're docs, we're paid to worry about the worst possible thing. :wink: There is a fine line between caring and patronizing. For example, most medical practitioners would try to avoid getting cardiopulmonary resuscitation but perform it on others. Victoria This was intended to be self-deprecating, n...

woof755

One point worth mentioning is that some practices allow direct access colonoscopy -- i.e. you can have the screening colonoscopy without a previous Gastroenterologist visit. Even a referral from your regular primary doctor may not be needed if you meet the screening colonoscopy criteria. This saves...

woof755

Without getting too deep into the forbidden medical topics - Are there differences in costs for different physicians that do colonoscopies? All of mine, as well as those of everyone I know in this area, have been done by Gastroenterologists. My brother, however, who still lives in the area where I ...

woof755

One point worth mentioning is that some practices allow direct access colonoscopy -- i.e. you can have the screening colonoscopy without a previous Gastroenterologist visit. Even a referral from your regular primary doctor may not be needed if you meet the screening colonoscopy criteria. This saves...

woof755

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...

woof755

There are 2 issues here which have been partly resolved. 1. Sedation: I have never chosen to do these without anesthesia but it is an option to just have some gentle sedation and it is done all the time. 2. Prison: they can have any rule they want. You are a free person and can simply say that you ...

woof755

stats99 wrote: ↑Sun Mar 04, 2018 6:44 am I used Cologuard.

The best colon cancer screening test is the one that gets done!

woof755

Things I can think of to minimize costs of a colonoscopy: Take the cheapest prep--CoLyte or GoLytely are often only about $10 And take it by the book. It works great if taken properly. But it really makes us all feel bad when the colon isn't clean and we have to repeat the exam sooner than would oth...

woof755

There are 2 issues here which have been partly resolved. 1. Sedation: I have never chosen to do these without anesthesia but it is an option to just have some gentle sedation and it is done all the time. 2. Prison: they can have any rule they want. You are a free person and can simply say that you ...

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