Search found 911 matches

by StormShadow
Fri May 22, 2020 10:18 pm
Forum: Personal Investments
Topic: Does larger portfolio make one more or less risk tolerant
Replies: 25
Views: 1952

Re: Does larger portfolio make one more or less risk tolerant

More wealth make you more risk tolerant. You would think that would be true. But my personal observation is that the opposite ends up being practiced. Folks with a relatively small net worth tend to make incredibly risky bets. Buying individual stocks, penny stocks even. They’re spending a greater ...
by StormShadow
Tue May 19, 2020 9:06 pm
Forum: Personal Investments
Topic: 80/20, 90/10, 100/0 for a low net worth accumulator?
Replies: 36
Views: 2020

Re: 80/20, 90/10, 100/0 for a low net worth accumulator?

whereskyle wrote:
Tue May 19, 2020 7:50 pm
80/20, 90/10, 100/0 for a low net worth accumulator?
Just pick one. At this point, it doesn't matter. The most important factor is how much you invest.

Increase your earning potential, save as much as you can, live within your means and eliminate debt.
by StormShadow
Tue May 19, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2922

Re: Engagement Ring Help

Engagement rings will depreciate by at least 50-75% immediately after you walk out the door. The majority of the value of the ring will be (should be) in the diamond you purchase and this will be the only part of the ring to hold its value (besides the weight of the precious metal you use). I was fo...
by StormShadow
Tue May 19, 2020 11:54 am
Forum: Personal Investments
Topic: Best place to hold 100k emergency fund?
Replies: 25
Views: 2327

Re: Best place to hold 100k emergency fund?

Online savings account.

I use Capital One 360 and I'm pretty happy with it. Very user friendly website.
by StormShadow
Wed May 13, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy physical gold right now?
Replies: 5
Views: 519

Re: Where to buy physical gold right now?

Jack FFR1846 wrote:
Wed May 13, 2020 8:45 am
You want to compare same to same. US Eagle will always be higher than a maple leaf which is higher than a Krugerrand. You can compare right on the Apmex site.
Not right now it isn't.

APMEX has a 2020 Gold Eagle for $1844.89 vs 2020 Canadian Maple Leaf for $1854.29.
by StormShadow
Tue May 12, 2020 9:11 pm
Forum: Investing - Theory, News & General
Topic: Experts say now is not the time to buy into index fund
Replies: 38
Views: 4514

Re: Experts say now is not the time to buy into index fund

so there are experts who suggest we put money into specific companies that people can't live without during this crisis. The companies named include those in biotech, cloud tech and to specifically name one example, Zoom. One big name expert out there who carries a moustache says now isn't the time...
by StormShadow
Mon May 11, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 213
Views: 10049

Re: Paul Tudor: Compelling case for bitcoin ?

indexlover wrote:
Mon May 11, 2020 12:35 pm
Thoughts ?
Yeah...

Currency speculation is extremely risky and not really an investment.

Cryptocurrency speculation is stupid.

Those are my thoughts.
by StormShadow
Fri May 08, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: iPad.. worth it?
Replies: 49
Views: 3073

Re: iPad.. worth it?

The main reason we are considering iPad rather than Samsung is the quality of the company that we always hear about with so many happy users... Questions: 1- Do you think this is a good investment (I understand it is technically not an investment by BH's definition, but you know what I mean :D )? 2...
by StormShadow
Wed May 06, 2020 10:30 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12990

Re: Is Disney the most tempting value stock?

Robot Monster wrote:
Wed May 06, 2020 2:25 pm
If Disney is a negatively covid-impacted company, might not one buy it along with a positively covid-impacted company, a company that would actually be hurt once covid goes away? Could you diversify away the covid with something like such?
Yes. It’s called hedging.
by StormShadow
Wed May 06, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Why do investors care when the market goes down?
Replies: 47
Views: 1756

Re: Why do investors care when the market goes down?

tvubpwcisla wrote:
Wed May 06, 2020 8:22 am
Why do investors care so much when the market goes down?
You're kidding me, right?

People invest because they want to make money. If the stock market is going down, they are worried they will lose money (or rather, that they won't make as much money).
by StormShadow
Tue May 05, 2020 11:22 pm
Forum: Investing - Theory, News & General
Topic: Gold - Price over Spot
Replies: 16
Views: 1198

Re: Gold - Price over Spot

It appears the surcharge dealers charge to sell gold has skyrocketed. Last year I paid $45 dollars over the spot price for 1 oz. Today that same company is charging $135 over spot. (APMEX.com). jmbullion.com is charging $125 over the spot price. Am I incorrect? It seems ridiculous to pay that much ...
by StormShadow
Tue May 05, 2020 10:37 pm
Forum: Personal Investments
Topic: How not to stretch yourself too thin on home purchase?
Replies: 34
Views: 3314

Re: How not to stretch yourself too thin on home purchase?

Most advisors recommend having no more than 28% of your gross monthly paycheck allocated to your monthly house payment. More than that, and you’d be pretty house poor... which makes life really suck.

I’d aim for much less if possible.
by StormShadow
Mon May 04, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12990

Re: Is Disney the most tempting value stock?

I bought some Disney stock under $100 about a month ago. I think I got it at a discount. Not sure about the short term though. Lots of uncertainty regarding the theme parks, movie theaters and cruises. I just figure it can’t get much worse than now.
by StormShadow
Mon May 04, 2020 5:03 pm
Forum: Personal Investments
Topic: Getting 300k cash. What should we do with it?
Replies: 23
Views: 3955

Re: Getting 300k cash. What should we do with it?

I would lump sum according to my asset allocation.
by StormShadow
Sun May 03, 2020 10:08 am
Forum: Personal Investments
Topic: Potential brain injury? Freeze any decisions?
Replies: 18
Views: 3099

Re: Potential brain injury? Freeze any decisions?

Stay the course. Don’t time the market.

Hope you’re feeling better.
by StormShadow
Sun May 03, 2020 8:24 am
Forum: Investing - Theory, News & General
Topic: [Any MF/ETF focused on COVID-19 treatment or vaccine companies?]
Replies: 12
Views: 1968

Re: COVID-19 Buy the Basket

If you are serious about this, I think you should be looking for yourself, and looking at individual stocks and companies. I think you should be prepared to spend a decent amount of time looking at each individual company to be sure you understand what they are doing. Otherwise, you are certain to ...
by StormShadow
Fri May 01, 2020 2:08 pm
Forum: Personal Investments
Topic: Tesla Stock. Need Help?
Replies: 18
Views: 2119

Re: Tesla Stock. Need Help?

Well this thread could take a turn... Are you referring the the fact that Elon Musk tweeted that Tesla stock price was too high this morning, crashing it 10%, wiping out $13 billion of market cap? I kinda sorta noticed that. I wonder what Warren Buffet thinks of high stock prices. I'm gonna go out ...
by StormShadow
Thu Apr 30, 2020 11:20 am
Forum: Investing - Theory, News & General
Topic: Win Win for Gold?
Replies: 25
Views: 1011

Re: Win Win for Gold?

So as long as the central banks keep rates low, gold should surge. When inflation shows up and rates need to rise to keep inflation in check, gold should surge. Gold HAS surged. Are you paying attention to prices? Its trading at $1,717/oz right now, which is near the 1 year peak of $1,789/oz. Inves...
by StormShadow
Thu Apr 30, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3248

Re: Highlander or RAV4

I have a 2015 Highlander. It's a nice car but the mileage is terrible. If I didn't need a 3rd row and I was deciding between the 2 I would choose the Rav4 since they just updated it. I would actually wait for the Rav4 Prime. Plug in hybrid with 39 miles of all electric range and 300 hp. Much better...
by StormShadow
Thu Apr 30, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: Win Win for Gold?
Replies: 25
Views: 1011

Re: Win Win for Gold?

So as long as the central banks keep rates low, gold should surge. When inflation shows up and rates need to rise to keep inflation in check, gold should surge. Gold HAS surged. Are you paying attention to prices? Its trading at $1,717/oz right now, which is near the 1 year peak of $1,789/oz. Inves...
by StormShadow
Tue Apr 28, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3248

Re: Highlander or RAV4

We have a 2012 RAV4 and love it. DW did not feel comfortable driving a larger car (she used to drive an old Honda Civic). Ours is the last model with a V6 engine, which is a shame because the larger engine does add to the driving experience. I don’t think you can go wrong either way. Personally, I’d...
by StormShadow
Tue Apr 28, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1406
Views: 318998

Re: Best watch for around $5,000?

Some people buy jewelry or nice clothes and find value in beauty, craftsmanship, status etc. Others don't but. But why feel obligated to come on this topic then? It's the same problem in the car threads: regardless of what you ask there always a camry/corolla recommendation. Funny. I own a Camry an...
by StormShadow
Tue Apr 28, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9277

Re: Anyone wish they would have invested more during recent downturn?

So here we stand....29% off the lows, with a tinge of regret at not backing the truck up... I did it. I got greedy and jumped in a few weeks too early. The SP500 started dipping in late February 2020. I initially felt the US market was overreacting to COVID19 since the number of known infected case...
by StormShadow
Mon Apr 27, 2020 7:09 am
Forum: Investing - Theory, News & General
Topic: Best Upcoming Time to Lump Sum Into Market
Replies: 17
Views: 1451

Re: Best Upcoming Time to Lump Sum Into Market

It was March 23rd.

Best future date, odds are now.
by StormShadow
Sun Apr 26, 2020 4:35 pm
Forum: Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 61
Views: 7733

Re: Are ETFs Really That Safe?

ETFs are normally lumped with index funds as fairly safe investments, but ETFs seem far more dangerous. Even Bogle warned about them What do other people think? I want exposure to robotics stocks through an ETF, but I'm not sure how happy I would be with my cash parked in one ETF's are no more risk...
by StormShadow
Sun Apr 26, 2020 4:28 pm
Forum: Personal Investments
Topic: How should I invest with 50k windfall
Replies: 12
Views: 1261

Re: How should I invest with 50k windfall

Thanks for everyone's thoughts! Very helpful. Based on the feedback, doing a little of everything seems to makes sense to get the best of all worlds. 1. Use 15k to beef up the emergency fund from 3 to 6 months immidiately, & put it all in high interest savings account for piece of mind. Is there a ...
by StormShadow
Sun Apr 26, 2020 4:25 pm
Forum: Personal Investments
Topic: Stop me from buying individual stocks...
Replies: 27
Views: 1888

Re: Stop me from buying individual stocks...

This is risky and buying the market usually beats individual stocks picking. But they look like such a good deal right now oil mostly will rebound since most of the world still runs on oil.....what to do :?: :? :? Do whatever you want. I'd been indexing exclusively until this year. Decided to use s...
by StormShadow
Fri Apr 24, 2020 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12698

Re: Moving out of NYC due to pandemic

I did my training in NYC and now work with the surgeons who trained me. I am not going to find similar group of supportive people again. As a relatively young attending (particularly a surgeon), this is invaluable. I’m assuming this is a tertiary care referral center. I think its important to have ...
by StormShadow
Thu Apr 23, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4148

Re: Replacement for 4Runner

So wife and I are starting the process of replacing her 2009 Toyota Highlander. We test drove a 2020 4Runner, which was our frontrunner based on owning a 2000 4Runner in the past (best car I've ever owned by a wide margin), and our great history with Toyota's - collectively we've owned 5 with my cu...
by StormShadow
Tue Apr 21, 2020 7:38 pm
Forum: Personal Investments
Topic: New To Investing
Replies: 6
Views: 299

Re: New To Investing

Hey everyone, I'm new to the forum and am currently reading "The Bogleheads' Guide to Investing." I definitely want to grow my knowledge on this subject and have been doing research on purchasing my first mutual fund through my Roth IRA with Charles Schwab. I've been thinking on purchasing the PEOP...
by StormShadow
Tue Apr 21, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9344

Re: I Got Scammed To Send Amazon Gift Cards

I'm embarrassed to admit that I got scammed. I got an email from a very trustworthy neighbor asking me to send a $400 Amazon gift card to a friend who just lost her job. My trusted neighbor said her credit card wasn't working. The Email had her nickname and other things that made me not think twice...
by StormShadow
Tue Apr 21, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 2937

Re: BMW X5 - advice on purchase

Thanks very much to all for your comments. This would be my first “luxury” car and a few of the comments have made me wonder whether it’s worth it or not. I’ll keep my eyes open on deals in the coming months and continue to weigh the pros and cons I love the X5. Beautiful SUV and relatively fun to ...
by StormShadow
Mon Apr 20, 2020 11:03 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6154

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

iamblessed wrote:
Mon Apr 20, 2020 9:47 pm
choose from. I am thinking about buying a new car and would like you feed back on these three cars.
Camry. It’s not even close. Great all purpose car.
by StormShadow
Mon Apr 20, 2020 6:51 pm
Forum: Investing - Theory, News & General
Topic: Did any Bogleheads blink?
Replies: 42
Views: 3952

Re: Did any Bogleheads blink?

Did any of you blink and miss your rebalancing opportunity that your IPS called for? Opposite. Rebalanced like crazy on the way down. If anything, I jumped the gun and should have waited another week or so. I still feel like I got a good deal, but only time will tell. I’m optimistic we’ll come out ...
by StormShadow
Sat Apr 18, 2020 7:55 am
Forum: Personal Investments
Topic: Is it a good idea to dollar cost average $1,000,000 into stocks and bonds over the next 2 years?
Replies: 26
Views: 2190

Re: Is it a good idea to dollar cost average $1,000,000 into stocks and bonds over the next 2 years?

Let’s say the $1,000,000 is sitting in CDs earning 3.0% Would it be potentially a good idea to dollar cost average $2,000 per business day or approximately 1 MM into stocks and bonds over the next 2 years? Let’s say their financial position is good in terms of retirement, job, and income. When is t...
by StormShadow
Fri Apr 17, 2020 7:06 am
Forum: Personal Investments
Topic: Anyone preparing to sell all their stock holdings to raise cash?
Replies: 36
Views: 3113

Re: Anyone preparing to sell all their stock holdings to raise cash?

kareysue wrote:
Thu Apr 16, 2020 8:50 pm
Jack FFR1846 wrote:
Thu Apr 16, 2020 8:49 pm
Uh.....no.
With the way the economy is going you don't think the market will fall back to the lows of march 17?
My hunch is no. Not any time soon.

It’ll dip and jump periodically, but overall I expect it to trend upwards until the next unrelated market recession X years in the future.
by StormShadow
Wed Apr 15, 2020 11:36 am
Forum: Investing - Theory, News & General
Topic: Any benefit to having a financial advisor?
Replies: 23
Views: 1770

Re: Any benefit to having a financial advisor?

I am a big supporter of seeking advice from an hourly-fee financial advisor, one you can trust, and one who will not sell you anything or try to talk you into any strange investments. One who will point you toward Boglehead-approved low-cost index funds, and a smart asset allocation, and a plan to ...
by StormShadow
Wed Apr 15, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 183
Views: 19653

Re: Please share some lifestyle creep you regret.

For example I ended up not liking my 2000 Mercedes E bought new. But not because it was expensive or buying it affected my finances noticeably. It had repeated petty reliability issues and the (limited) fun of it did wear off. I respected, I guess you'd say, the Lexus my wife suggested after that. ...
by StormShadow
Sun Apr 12, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: Any benefit to having a financial advisor?
Replies: 23
Views: 1770

Re: Any benefit to having a financial advisor?

The most compelling argument I've seen in favor of using a financial advisor is that they can help you avoid the behavioral traps that can really mess up one's investing. +1 And once you’ve determined you don’t need an advisor to prevent you from making rash financial decisions... you stop needing ...
by StormShadow
Wed Apr 08, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a credit card? Which?
Replies: 21
Views: 1148

Re: Should I get a credit card? Which?

I like Capital One Quicksilver (no annual fee like the Chase Freedom cards), it's particularly good for someone with good to excellent credit. 1.5% cash back you can redeem any time for a statement credit, gift cards or Amazon purchases. +1 Have had this card for over 10 years. Simple and straightf...
by StormShadow
Tue Apr 07, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Reducing home buying price due to coronavirus uncertainty?
Replies: 49
Views: 4039

Re: Reducing home buying price due to coronavirus uncertainty?

1. If you think you might get laid off, then don’t buy a house. 2. I think it’s impossible to predict what direction the housing market is heading at any one time. Bottom line is, I don’t think it should really make much difference in what you should be looking for if/when you are ready to buy a hou...
by StormShadow
Mon Apr 06, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5671
Views: 484798

Re: U.S. stocks continue to soar!

The market is clearly reacting to news about New York POSSIBLY plateauing in deaths. It’s simply ridiculous. They have no idea what they are betting on. 594 deaths isn’t a whole lot better than 630 when you compare it to the next state which had 77. There could easily be a jump in numbers today. Ini...
by StormShadow
Sun Apr 05, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: College choice dilemma
Replies: 167
Views: 7640

Re: College choice dilemma

Looking for some good advice from the great minds here. My son got admission to Princeton and Vanderbilt. Vanderbilt gave him merit scholarship, which covers the full tuition for all the four years. But Princeton is not giving any scholarship at all. With more than $76,000 cost of attendance for Pr...
by StormShadow
Sun Apr 05, 2020 1:31 pm
Forum: Personal Investments
Topic: talk me out of reducing equity exposure
Replies: 35
Views: 2285

Re: talk me out of reducing equity exposure

You already know the answer. Don’t time the market. You have an asset allocation. Think about why you came up with it. But if you feel the need to time the market, my recs would be based upon the following principles: Buy low, sell high. Be greedy when others are fearful. Now is the time to buy into...
by StormShadow
Sat Apr 04, 2020 3:31 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72357

Re: Has Covid-19 changed you?

Outside of washing my hands more frequently and social distancing... no change really.
by StormShadow
Fri Apr 03, 2020 6:52 pm
Forum: Personal Investments
Topic: Why Do So Many Recommend 70% - 100% Stocks?
Replies: 167
Views: 9513

Re: Why Do So Many Recommend 70% - 100% Stocks?

I wanted to get you guys' opinion on this. As you know from my prior posts I'm a relatively young investor (36) and it's a pet peeve of mine when people immediately default to telling me that I should be 70% to 100% in equities or I quote, unquote "will never retire". It just makes no sense to me a...
by StormShadow
Wed Apr 01, 2020 10:54 pm
Forum: Investing - Theory, News & General
Topic: Investing in stocks in the current market conditions: how and when would you do it?
Replies: 83
Views: 5801

Re: Investing in stocks in the current market conditions: how and when would you do it?

Given the current volatile market conditions, suppose you have 200k in cash that you'd (eventually) would want to invest in stocks, how and when would you do it? Normally I would lump sum according to my asset allocation and be done with it. But given how volatile the stock market is at present, I ...
by StormShadow
Wed Apr 01, 2020 8:21 pm
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 123
Views: 9375

Re: What Individual stocks are you buying?

Been watching and/or buying with my play money:

Disney
Tesla
Starbucks
Carnival Cruise
Visa
Apple
Amazon
Boeing
Delta
by StormShadow
Wed Apr 01, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: bogleheading my car, opinions please. From a Tesla to a Honda
Replies: 84
Views: 5387

Re: bogleheading my car, opinions please. From a Tesla to a Honda

Bernard wrote:
Wed Apr 01, 2020 6:26 pm
I am a lifelong car guy, and I would sell that Model S and buy a new or near new Model 3 with the money.
+1 or get in line for a model Y.

But if you like Honda, I don’t see why not. (Toyota guy myself.)