Search found 2526 matches

by azanon
Mon Aug 05, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

Wait, what? :confused I thought BH's are in for the long haul and aren't pre-occupied with the daily gyrations of the market? Am I missing something, or are there hypocrites among us? Other than it's largely become a joke thread where we're just mocking the fall, nah you're not missing anything. :m...
by azanon
Mon Aug 05, 2019 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

Wait, what? :confused I thought BH's are in for the long haul and aren't pre-occupied with the daily gyrations of the market? Am I missing something, or are there hypocrites among us? Other than it's largely become a joke thread where we're just mocking the fall, nah you're not missing anything. :m...
by azanon
Mon Aug 05, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

bck63 wrote:
Mon Aug 05, 2019 2:10 pm
azanon wrote:
Mon Aug 05, 2019 1:47 pm
How many besides me are cheering for a round 1000 fall on the DOW (or more)? It's just so exciting, and I'm looking forward to seeing Cramer freak out after I get home from work.
961...
Temporary bounce back, but I'm still keeping the faith!!!
by azanon
Mon Aug 05, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

How many besides me are cheering for a round 1000 fall on the DOW (or more)? It's just so exciting, and I'm looking forward to seeing Cramer freak out after I get home from work.
by azanon
Mon Aug 05, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: Will stocks be cheap again in your lifetime?
Replies: 33
Views: 3720

Re: Will stocks be cheap again in your lifetime?

Be ready to buy in ‘29 Wasn't the market low in the early '30's? I guess that's why we talk so much about rebalancing, SWRs and withdrawal strategies. Yeah, the market bottomed in 32, but the biggest part of the drop was 29. At the end of 29 (dec) CAPE was 22.01. CAPE bottomed out Jun 32’ at 5.57, ...
by azanon
Mon Aug 05, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: Will stocks be cheap again in your lifetime?
Replies: 33
Views: 3720

Re: Will stocks be cheap again in your lifetime?

Forget the crystal ball, the S&P 500 is on sale to you for 30 times 10yr earnings, ... about the same price as before Black Tuesday. You either buy proclaiming that’s a great deal or you don’t. Worst option of all is buying a business without even asking to see the books or not caring what the books...
by azanon
Mon Aug 05, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: Will stocks be cheap again in your lifetime?
Replies: 33
Views: 3720

Re: Will stocks be cheap again in your lifetime?

Be ready to buy in ‘29 Wasn't the market low in the early '30's? I guess that's why we talk so much about rebalancing, SWRs and withdrawal strategies. Yeah, the market bottomed in 32, but the biggest part of the drop was 29. At the end of 29 (dec) CAPE was 22.01. CAPE bottomed out Jun 32’ at 5.57, ...
by azanon
Mon Aug 05, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

"The OP is doing very well, but commenting as a boglehead" I am curious how you know the OP is doing very well. I have not been able to understand how much of his past savings came from a windfall and how much was his personal savings. Similarly I have not been able to figure out when he is getting...
by azanon
Mon Aug 05, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

... ... "The OP is doing very well, but commenting as a boglehead" I am curious how you know the OP is doing very well. I have not been able to understand how much of his past savings came from a windfall and how much was his personal savings. Similarly I have not been able to figure out when he is...
by azanon
Sun Aug 04, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

+1 on the "...results in regret" My substitutions are pocket knives, guitar, used 528i (excellent car and fun to drive but looking back I could easily have done without). the problem with a $80,000 sports car is the cost of the lesson learned is very substantial. That's why I favor those who recomm...
by azanon
Sun Aug 04, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

GM has demo C8's traveling around the country from dealer to dealer so folks can see them. Last weekend we were going to stop by a local dealer that had one for a week or so on display just for a look. When we went by there was lines down the parkway for over 1/2 mile - about 2,000 people were ther...
by azanon
Sun Aug 04, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

Seeing the comment now on windfall it seems OP is saving on average less than the 19+20= $39k/yr. I think it is premature to buy a $90k car because OP: 1) seems to spend most of his paycheck (high lifestyle) 2) Would likely continue to desire high cost cars when replacing 3) taking a large step cha...
by azanon
Sun Aug 04, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

Well, you’re wrong and I have no idea where you’ve heard that. I know people that literally bought a C7 in the last month and already sold it for the C8. CorvetteForum loves the car. "Why are Corvette owners so adverse to change?" post at Reddit: https://www.reddit.com/r/cars/comments/bctehw/why_ar...
by azanon
Sun Aug 04, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

Seeing the comment now on windfall it seems OP is saving on average less than the 19+20= $39k/yr. I think it is premature to buy a $90k car because OP: 1) seems to spend most of his paycheck (high lifestyle) 2) Would likely continue to desire high cost cars when replacing 3) taking a large step cha...
by azanon
Sun Aug 04, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

I’m buying a C8 myself. Picking up a C7Z06 with low miles would also check all the boxes. You should be able to get a good price on that C8 cause you'll be one of the few that actually wants one. As I understand it, about half of the Corvette community is very upset at that new design where Chevrol...
by azanon
Sun Aug 04, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

I’ve driven every car on that list. The Miata is the best of the 3 hands down. I don’t care how much faster the others are or how much power they have. The Miata is just more fun and rewarding to drive. One that’s not on the list is the BRZ/Toyota 86. Yes it’s underpowered and the engine kind of su...
by azanon
Sun Aug 04, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

Those are sporty. Those are NOT sports cars. Name your idea of a sports car under 30K then, and I'll list the many ways those first 2 outperform whatever you pick. (I'm not defending the Miata though) I’ve driven every car on that list. The Miata is the best of the 3 hands down. I don’t care how mu...
by azanon
Sun Aug 04, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

A Honda Civic Si (25K) a VW Golf GTI (25K) a Mazda Miata ((30K) all these are sporty car within 30k budget Those are sporty. Those are NOT sports cars. Name your idea of a sports car under 30K then, and I'll list the many ways those first 2 outperform whatever you pick. (I'm not defending the Miata...
by azanon
Sun Aug 04, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

I’m buying a C8 myself. Picking up a C7Z06 with low miles would also check all the boxes. You should be able to get a good price on that C8 cause you'll be one of the few that actually wants one. As I understand it, about half of the Corvette community is very upset at that new design where Chevrol...
by azanon
Sun Aug 04, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

I do want counter arguments based on financials, not based on “douche factor”. If you're willing to be more frugal and can settle for close to the 40K range, if "douche factor" is absolutely zero concern as you're suggesting (ohai's words not mine, I'm too scared of the mods), then get a Civic Type...
by azanon
Sun Aug 04, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 87
Views: 5899

Re: Federal Employee Burn or Sick Leave [before retirement]

susleni really not likely to use leave like that (two days every PP); we had someone like that... every other Friday had chiro or something like that and took off whole day - - it was used as evidence of SL abuse. The individual was required to have doctor provide full time of treatment, and when i...
by azanon
Sun Aug 04, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 3650

Re: Which car to buy?

Read you post. The info I posted on the transmission's gas mileage wasn't a personal opinion. I researched before posting: We were discussing Q3 vs. Q5 gas mileage. DCT (Q5) has better gas mileage than a conventional automatic (Q3). See: https://www.autotrader.com/car-shopping/buying-car-whats-dual...
by azanon
Sat Aug 03, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 87
Views: 5899

Re: Federal Employee Burn or Sick Leave [before retirement]

susleni really not likely to use leave like that (two days every PP); we had someone like that... every other Friday had chiro or something like that and took off whole day - - it was used as evidence of SL abuse. The individual was required to have doctor provide full time of treatment, and when i...
by azanon
Sat Aug 03, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

I’m buying a C8 myself. Picking up a C7Z06 with low miles would also check all the boxes. You should be able to get a good price on that C8 cause you'll be one of the few that actually wants one. As I understand it, about half of the Corvette community is very upset at that new design where Chevrol...
by azanon
Fri Aug 02, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

I’m buying a C8 myself. Picking up a C7Z06 with low miles would also check all the boxes. You should be able to get a good price on that C8 cause you'll be one of the few that actually wants one. As I understand it, about half of the Corvette community is very upset at that new design where Chevrol...
by azanon
Fri Aug 02, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

How would anyone know I wasn’t “rich enough” to own an $80k car? I’m not buying a car to please others anyway. I think I’ve come to peace with the fact that no one will appreciate the car as much as I will— and that haters will always hate. Obviously, you can do whatever you want, but if you did no...
by azanon
Fri Aug 02, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 17264

Re: Why Mr. Bogle prefers U.S stocks

Meb faber made this tweet April 22 of this year which was powerful to me: "Over the past 70 years the US stock market has been a darling, outperforming foreign stocks by 1% per year. $10k invested in US stocks in 1950 turned into $14 million vs. only $8m in foreign stocks. Want to know how much of t...
by azanon
Fri Aug 02, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 3650

Re: Which car to buy?

The Q3 has a regular automatic transmission whereas the Q5 has a dual-clutch transmission. In order of best to worst fuel economy: DCT > manual > automatic (generally speaking, a few exceptions). FWIW, I prefer the regular automatic transmission in the Q3 cause its an SUV, and the DCT can sometimes...
by azanon
Fri Aug 02, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10447

Re: Insane to buy a sports car?

We have this monthly "cars and coffee" eventwhere I live and I'll just tell ya - there are more vettes and porshes there than you can shake a stick at. So if you want to be unique, maybe consider some different choices too. With 80K, I'd consider Audi TTRS. (I have a hot hatch - VW GTI Autobahn with...
by azanon
Fri Aug 02, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1420

Re: USAA suspects credit card may have been compromised

Disputing a credit card charge that wasn't yours is easy too, and I've never had any issue doing it when needed. Worked every time.
by azanon
Fri Aug 02, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Boglehead Complacency
Replies: 77
Views: 6136

Re: Boglehead Complacency

You left out the Shiller PE Ratio being as high as it was on Black Tuesday: https://www.multpl.com/shiller-pe The horror! I believe the nobelist ratio is flawed and perhaps dangerous for your financial health. Cheers :greedy So you were giving a personal opinion, not an objective opinion. With an o...
by azanon
Fri Aug 02, 2019 7:57 am
Forum: Investing - Theory, News & General
Topic: Boglehead Complacency
Replies: 77
Views: 6136

Re: Boglehead Complacency

Hi All, Our cherished forum is one of the best sources of stock market sentiment. Right now I'd like to point out: >> lack of anxiety despite the ~80 handles drawdown we find ourselves in. >> many threads where people are looking to increase risk, rather than make preparations for the eventual drop...
by azanon
Thu Aug 01, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 4890

Re: Are all models of Toyota generally considered reliable?

Well, I wouldn't recommend regarding any of their models that aren't really Toyotas as being as reliable as genuine Toyotas, though I'm not necessarily saying they're not reliable (e.g. Yaris, 86, GR Supra).
by azanon
Thu Aug 01, 2019 5:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard promoting their Actively managed funds
Replies: 54
Views: 4081

Re: Vanguard promoting their Actively managed funds

Here’s a secret. Vanguard's index funds WON’T beat Vanguard’s active funds most of the time. Other, high cost active funds? Yes. Vanguard low cost active funds? No. It’s closer to about 50/50. Why? Because Vanguard active funds are almost as cheap as their index funds and have turnover close to the...
by azanon
Thu Aug 01, 2019 4:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard promoting their Actively managed funds
Replies: 54
Views: 4081

Re: Vanguard promoting their Actively managed funds

Here’s a secret. Vanguard's index funds WON’T beat Vanguard’s active funds most of the time. Other, high cost active funds? Yes. Vanguard low cost active funds? No. It’s closer to about 50/50. Why? Because Vanguard active funds are almost as cheap as their index funds and have turnover close to the...
by azanon
Thu Aug 01, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard promoting their Actively managed funds
Replies: 54
Views: 4081

Re: Vanguard promoting their Actively managed funds

Maybe they've spent a few decades doing what some of those apps on my phone do - it's free for a while, but eventually they phase out the free stuff (e.g. index funds), once they have 5-6 Trillion or so of everyone's money?
by azanon
Thu Aug 01, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 3650

Re: Which car to buy?

If you're buying, and can truly afford (per boglehead standards) an Audi or Volvo, do you really care about gas mileage? TBH, I don't even look at the pump when I fill up - I just stare around at people until I hear the click, then make sure I check that I don't want a receipt. Now I care about hor...
by azanon
Thu Aug 01, 2019 1:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027129

Re: U.S. stocks in free fall

Welp - my gold ETF and Zero-coupon Treasury ETF are shooting way up (~ +2% intraday). That generally means a free fall for stocks, heh.
by azanon
Thu Aug 01, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 3650

Re: Which car to buy?

If you're buying, and can truly afford (per boglehead standards) an Audi or Volvo, do you really care about gas mileage? TBH, I don't even look at the pump when I fill up - I just stare around at people until I hear the click, then make sure I check that I don't want a receipt. Now I care about hor...
by azanon
Thu Aug 01, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7132

Re: Do you buy the highest trim car ?

Usually I do (by the top trim), but sadly the top trim almost always comes with two "features" that I really don't like - sunroofs and larger wheel diameter (thin) tires. My thought on: 1. sunroofs - car makers intentionally put a hole through the car's roof, replace it with a moving piece of glass,...
by azanon
Thu Aug 01, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Adviser Services
Replies: 11
Views: 1224

Re: Vanguard Adviser Services

Based on a couple of sample interactions that I read on the net about VPAS, they do quite a bit more than just allocate your portfolio for you. Yeah I agree with the ones that posted that their portfolio isn't worth 0.30% AUM, which I suspect is at least one reason why they do so much more than that...
by azanon
Thu Aug 01, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 3650

Re: Which car to buy?

This leads me to wonder what car prices will look like in 3-4 years when advanced infotainment and safety suites will be fully standard and/or regulatory requirements. What options would compel me to upgrade from a base trim at that point? Hard to say. That's a good list and I agree with your gener...
by azanon
Wed Jul 31, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: Does TSP’s S + C Funds = Total Stock Market?
Replies: 11
Views: 983

Re: Does TSP’s S + C Funds = Total Stock Market?

Not to change the subject, but I can't help but ask since you listed that example; So no G fund? So many people think G fund is super great cause it's ~ LT treasury rates with no duration, but you aren't necessarily impressed? This might be a separate topic but don’t you have any G fund interest? T...
by azanon
Wed Jul 31, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 3650

Re: Which car to buy?

There's really no perfect crossover right now... I've been struggling - Here's my take on the problems with the brands I've researched: Honda CR-V - Oil Dilution and 2019s have a battery drain problem. Tons of complaints. New recall for spontaneous airbag deployment. RAV-4 - Test drove this one and...
by azanon
Wed Jul 31, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Does TSP’s S + C Funds = Total Stock Market?
Replies: 11
Views: 983

Re: Does TSP’s S + C Funds = Total Stock Market?

If so, should these two funds be rebalanced individually or should they be treated as one fund like the total market index fund? Once purchased and without contributions, there should never be a need to rebalance between those funds to maintain replication of the total stock market. Any contributio...
by azanon
Tue Jul 30, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2471

Re: What is the official bogleheads home fire extinguisher?

Does a boglehead have one? My home is covered by a USAA homeowner's policy (and cars in the garage are covered too), so not sure why I should pay a lot of money to protect the house they're on the hook for if it goes up in smoke. Now if USAA wants me to protect the house they're insuring, I might b...
by azanon
Tue Jul 30, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2471

Re: What is the official bogleheads home fire extinguisher?

So stay in the house with myself and my family trying to fight the fire myself against the advice of firefighters, such as the one who posted earlier, instead of running out of it first thing? You make a great point about the risk of life to myself and my family, but just didn't realize which of th...
by azanon
Tue Jul 30, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2471

Re: What is the official bogleheads home fire extinguisher?

Does a boglehead have one? My home is covered by a USAA homeowner's policy (and cars in the garage are covered too), so not sure why I should pay a lot of money to protect the house they're on the hook for if it goes up in smoke. Now if USAA wants me to protect the house they're insuring, I might b...
by azanon
Tue Jul 30, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2471

Re: What is the official bogleheads home fire extinguisher?

Does a boglehead have one? My home is covered by a USAA homeowner's policy (and cars in the garage are covered too), so not sure why I should pay a lot of money to protect the house they're on the hook for if it goes up in smoke. Now if USAA wants me to protect the house they're insuring, I might be...
by azanon
Tue Jul 30, 2019 12:22 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 96
Views: 10501

Re: A low-cost 5 fund Boglehead portfolio

Slightly more complex/expensive, but gold, EM Debt and TIPS are different sources of return, risk and protection that are not provided by original portfolio. So in that sense, this version is more diversified. I should also add that best way to make this portfolio more conservative is to move funds...