Search found 660 matches

by StormShadow
Tue Apr 23, 2019 11:21 pm
Forum: Investing - Theory, News & General
Topic: "S&P 500 Index closes at record high"
Replies: 111
Views: 7319

Re: "S&P 500 Index closes at record high"

Taylor Larimore wrote:
Tue Apr 23, 2019 5:03 pm
Bogleheads:

This afternoon the S&P 500 Index closed at an all-time record high
:shock: :shock: :shock:

The sky is collapsing! Sell sell sell!

It can't get any higher! Its at an ALL-TIME RECORD HIGH!
by StormShadow
Sat Apr 13, 2019 1:00 am
Forum: Personal Consumer Issues
Topic: Son's dubious job offer
Replies: 32
Views: 6321

Re: Son's dubious job offer

Son to potential future coworkers: So what's the starting salary, benefits, etc.? Worker 1: X. At least that is what I started with. Worker 2: Me too. ... Company: We'd like to offer you Y. +1 Who mentioned the compensation? If it was the person offering the job, then I would politely respond that ...
by StormShadow
Sat Apr 13, 2019 12:53 am
Forum: Personal Investments
Topic: Are my 401k fees ridiculously high?
Replies: 32
Views: 2233

Re: Are my 401k fees ridiculously high?

Jimmy21 wrote:
Thu Apr 11, 2019 6:21 pm
Are my 401k fees ridiculously high?
No, they are not ridiculously high. :oops:
by StormShadow
Sat Apr 13, 2019 12:43 am
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 132
Views: 8210

Re: fun car advice

JackoC wrote:
Fri Apr 12, 2019 11:48 am
*the F87 M2, I have one, is sometimes said to be a throw back to earlier M car values, anyway a fun car for sure. Used M2's sell for under $50k.
+1

Go for one with a touchscreen iDrive and manual transmission. Smiles all around.
by StormShadow
Sat Apr 13, 2019 12:34 am
Forum: Investing - Theory, News & General
Topic: ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")
Replies: 59
Views: 8197

ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")

"The Bogleheads, a group of admirers of John C. Bogle — the founder of the Vanguard Group and the godfather of low-cost investing — often recommend a simple, three-fund portfolio that tracks the total United States stock market, international stock markets and the domestic investment-grade bond mar...
by StormShadow
Sat Apr 13, 2019 12:30 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 105
Views: 7986

Re: Crypto bulls are back. Are you getting in?

newtothiswhat wrote:
Tue Apr 09, 2019 9:16 pm
I know this forum discourages investing in crypto and views it as rat poison.
Bingo, so why bring it up in this forum?

Oh, I get it... because THIS time its different. :oops:
by StormShadow
Sat Apr 13, 2019 12:26 am
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 2878

Re: Investing gift from grandma

Option A: Buy 10 shares of Disney, same as my son Option B: Buy 1 share of Amazon Option C: Buy 1 share of Google Option D: Other?? A low cost S&P 500 index mutual fund or ETF would be my first recommendation. Its well enough diversified and given that it follows the S&P 500 it would be a nice way ...
by StormShadow
Fri Apr 12, 2019 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 92
Views: 16496

Re: What is a good flat rate cash back credit card?

Any advice or recommendations? Btw, i looked at the citi double cash but the no-sign -up bonus was a dead end. Most sign-up bonuses aren't that big of a deal to me. A lot of bogleheads (myself included) actually pay an annual fee to use certain credit cards. Citi Double Cash and Fidelity Visa cards...
by StormShadow
Fri Apr 12, 2019 11:41 pm
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 148
Views: 15147

Re: "Never time the market" vs. lump sum investment

I understand the concept of "Never try to time the market" No, you don't. My situation is - I have a 7 figure sum to invest, at a single time - and I think the best way to do it, is to somehow wait for the next "market crash" (which seems to happen every few years?) - understand when I'm in this si...
by StormShadow
Fri Apr 12, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 9574

Re: How do 40 year olds decide what they can afford?

How do others in their 40's make decisions about what they can afford with regards to "toys", gadgets, and other fun but unnecessary things? I notice repeated posts in Bogleheads that ask essentially the same question: "should I buy it?" My answer is pretty simple: if you can afford it and you real...
by StormShadow
Tue Mar 19, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 3598

Re: Three Days in DC

Taking the fam to visit some family in the DC area. havent been in a while. Planning to hit the museums, Arlington, National Zoo. Usual stuff. May run over to Annapolis for a noon formation. Any must-see I’m forgetting? Kids ages 10, 13, 17. We want to eat at nice local restaurants in town when tou...
by StormShadow
Tue Mar 12, 2019 9:00 am
Forum: Personal Investments
Topic: Spouse wants to buy individual stocks
Replies: 78
Views: 5669

Re: Spouse wants to buy individual stocks

I know I am asking this in a bogleheads forum, but - can individual stocks ever have a place in a portfolio? My husband and I aren't in complete agreement. I am relatively conservative and risk-averse. He sees opportunity in individual stocks. Currently he is trading them in his 401k :shock: which ...
by StormShadow
Tue Mar 12, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: Are Vanguard Mutual Funds dying?
Replies: 152
Views: 15551

Re: Are Vanguard Mutual Funds dying?

It seems Vanguard is going to keep reducing ETFs fees (because they are cheaper to mantain) https://www.etf.com/sections/index-investor-corner/vanguard-etfs-or-mutual-funds So I wonder if in a matter of years MFs will disapear completely :oops: dying??? Hyperbole much? Get a grip people. Mutual fun...
by StormShadow
Sat Mar 09, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I just buy the townhouse I'm currently renting
Replies: 33
Views: 2884

Re: Should I just buy the townhouse I'm currently renting

Current Financials: ~880K in low cost mutual funds-90/10 Stock Bond allocation (60/40 retirement/taxable account) ~120K cash (100K could be used for the down payment) Our household income: Me: ~105K Stable and raises Wife: ~65K Stable and raises Total: ~175K I purchased a house after renting in the...
by StormShadow
Mon Mar 04, 2019 2:00 pm
Forum: Personal Investments
Topic: Another Edward Jones defector
Replies: 51
Views: 7696

Re: Another Edward Jones defector

When I decided to leave, I drove straight to the guy's office and confronted him in front of his office admin and others. It felt good to look him in the eye and call him a crook. Yeah... I wouldn't recommend going this route. Doesn't do much, except possibly get you arrested for assault/harassment...
by StormShadow
Mon Mar 04, 2019 11:43 am
Forum: Personal Investments
Topic: Edward J rep is not answering my Questions
Replies: 42
Views: 6348

Re: Edward J rep is not answering my Questions

JacquelynS wrote:
Thu Feb 28, 2019 5:48 pm
Update: My folks are in. Thanks for your patience and good words here. They needed a little time and the facts. They do think I’m smarter than the EJ rep with the psych degree :wink:
Image
by StormShadow
Mon Mar 04, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18454

Re: Talk me in/out of $35k Tesla Model 3

Build quality and reliability are not great. They recently lost their Consumer Reports recommendation. +1 OP, financially I think you are fine if you want to purchase this car. Personally, I wouldn't do it. I'm not crazy about the appearance. Even if I wanted the car, I'd also rather wait another y...
by StormShadow
Tue Feb 26, 2019 10:50 pm
Forum: Personal Investments
Topic: Edward J rep is not answering my Questions
Replies: 42
Views: 6348

Re: Edward J rep is not answering my Questions

Thank you for sharing this video. Just finished watching it and I plan to share it with my MIL who is set in her ways as well as other F & F I know will benefit from it's valuable information. Although its almost 6 years old, it is timeless information that is 100% applicable to today's investing e...
by StormShadow
Tue Feb 26, 2019 10:48 pm
Forum: Personal Investments
Topic: Does anyone own gold?
Replies: 78
Views: 7526

Re: Does anyone own gold?

I get the investment arguments against it. It doesn't produce anything, historically hasn't held up to the S&P, etc. You just answered your own question. The hedge reasons to hold it may be very unlikely to happen, but they are catastrophic if they do occur. Ah yes, the zombie apocalypse scenario. ...
by StormShadow
Tue Feb 26, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: "Warren Buffett says if you invested $10,000 in the S&P 500 in 1942, you'd have $51 million today"
Replies: 110
Views: 7338

Re: "Warren Buffett says if you invested $10,000 in the S&P 500 in 1942, you'd have $51 million today"

There is no doubt that $10000 was alot of money in 1942, but $50,000,000 is an exorbitant amount of money today. Not as exhorbitant as the $82.9 billion that Warren Buffett is actually worth today. And that's the irony of it all. Buffett became insanely rich by picking stocks and not not by investi...
by StormShadow
Sun Feb 24, 2019 12:23 am
Forum: Personal Investments
Topic: Edward J rep is not answering my Questions
Replies: 42
Views: 6348

Re: Edward J rep is not answering my Questions

Advice needed. Thank you in advance. I recommend watching this 1 hour show with your parents. Its an episode from PBS called The Retirement Gamble and goes over the effect of fees on a portfolio's overall return. It worked for my mom. She transferred her investments to Vanguard the next day.
by StormShadow
Sun Feb 17, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7548

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

I'm going to be honest everyone... I've done some thinking overnight and it honestly feels like I'm chasing the DISCOUNT instead of the actual car. Like if the 2019 ES350 all of the sudden decided to be 18k MSRP..I would hands down buy that car over the Audi A6. No offense, but the A6 and E350 stri...
by StormShadow
Sun Feb 17, 2019 6:46 pm
Forum: Personal Investments
Topic: Help ! What do I need to do here? 403$
Replies: 8
Views: 797

Re: Help ! What do I need to do here? 403$

:confused Please advise. Changed employers after 4 years with mandatory contributions into a 403 (not vested). Has to be cashed out or rolled over to another pension type account that I do not have..? What is my best option at this point? Are you sure it has to be taken out? I have had two 403b's a...
by StormShadow
Sun Feb 17, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7548

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

My advice would be to pass overall. A little early to splurge on a luxury car and Audi’s depreciate like crazy.

That said, if you really like the car I’d wait a year and buy it used.
by StormShadow
Sat Feb 16, 2019 11:46 pm
Forum: Investing - Theory, News & General
Topic: Charlie Munger: Teaching young people to actively trade stocks is like starting them on heroin
Replies: 52
Views: 4679

Re: Charlie Munger: Teaching young people to actively trade stocks is like starting them on heroin

Howard Donnelly wrote:
Thu Feb 14, 2019 8:32 pm
Thoughts?
I suggest watching Million Dollar Traders (still on YouTube). A real life experiment getting 8 random people to day-trade with $1 million.
by StormShadow
Thu Feb 14, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 436
Views: 29748

Re: [2018 tax return - How does it compare to previous years?]

Changes to the Child Tax Credit household salary limit (from $110k to $400k) allowed me to get more in a refund this year. I know the personal exemptions disappeared, but our total refund did increase by about $2,000. :beer
by StormShadow
Tue Jan 29, 2019 2:37 am
Forum: Personal Investments
Topic: “S&P 500 Index” versus "total stock market” in 401k
Replies: 11
Views: 1653

Re: “S&P 500 Index” versus "total stock market” in 401k

yosemite_mountain wrote:
Mon Jan 28, 2019 11:49 am
Although the expense ratio for the “Institutional 500 index” is lower and the fund has free trades, I’m concerned that the fund does not have small and mid caps. The 401k plan does not have small cap funds that I can add to approximate the total market. Thoughts?
Yeah, it doesn't matter that much.
by StormShadow
Sat Jan 26, 2019 10:03 pm
Forum: Investing - Theory, News & General
Topic: What do you think about swing trading?
Replies: 97
Views: 3746

Re: What do you think about swing trading?

fingoals wrote:
Sat Jan 26, 2019 12:05 am
What do you think about swing trading?
Always the red, never the black.

In other words, its a crapshoot.
by StormShadow
Fri Jan 25, 2019 12:48 am
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 8856

Re: No Children, what will your legacy be?

Captain kangaroo wrote:
Thu Jan 24, 2019 10:07 pm
Captain Kangaroo's School for Kids Who Can't Read Good and Want to Learn to Do Other Stuff Good Too
A School for Ants?!?! :annoyed
by StormShadow
Sun Jan 20, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 85
Views: 12265

Re: Follow-up to: My daughter's inheritance

Hi Bogleheads, My daughter and I are further down the road, and I have returned to this site with additional questions. I did move her 1.25+M to Vanguard, and presently it sits in a Money Market fund while we weigh our investment options. We are close to the year anniversary of her father's death, ...
by StormShadow
Sat Jan 19, 2019 11:03 pm
Forum: Personal Investments
Topic: No 529. son in high school
Replies: 19
Views: 2011

Re: No 529. son in high school

A 529 is no riskier than an IRA or 401k. It all depends on how aggressive a portfolio you pick. If you are planning to pay for some/all of his college tuition, I'd make use of the 529 now and save some state tax (if applicable to your state). Unless you are talking about a 529 that locks in tuition,...
by StormShadow
Sat Jan 19, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3287

Re: Car reviews - Consumer Reports or other sources?

YouTube, online articles, online forums, car mags... etc. Essentially as many sources as I can. Sure, I’ll flip through CR at the bookstore/library, but I find their info a little too simplified. The exception being when they dedicate a full article on the car I’m interested in. That approach has se...
by StormShadow
Thu Jan 17, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50380

Re: John Bogle has died at age 89

Vaya con Dios, Mr. Bogle...
by StormShadow
Wed Jan 16, 2019 12:28 pm
Forum: Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 8478

Re: 100% in VTSAX - Is it crazy???

bg5 wrote:
Wed Jan 16, 2019 9:17 am
100% in VTSAX - Is it crazy???
For crying out loud...

I remember when picking 20-25 stocks without any international holdings was considered good enough to diversify your portfolio. This was the 1990's.

VTSAX is split up among 3,500 stocks. I think you're diversified enough. :oops:
by StormShadow
Tue Jan 15, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2826

Re: School staff threatened to call social worker

We are planning a trip back to China that would require 9 days of absence from my daughter’s school ( kindergarten ). I emailed to school to ask for permission and found out that school can only approve 6 days of excused absence. You asked, they denied. You can try going up the chain of command, if...
by StormShadow
Fri Jan 11, 2019 3:23 pm
Forum: Personal Investments
Topic: Not great 401k options w TransAmerica - Please help!!
Replies: 5
Views: 295

Re: Not great 401k options w TransAmerica - Please help!!

I would kindly ask the financial planner at your organization to come up with some cheaper index fund options.

Companies are getting sued because of this.
by StormShadow
Fri Jan 11, 2019 3:00 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 137
Views: 7852

Re: BHers, what is your Roth IRA %?

Not as high as I wish it could be.
by StormShadow
Fri Jan 11, 2019 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Help me evaluate Job offer (Physician)
Replies: 13
Views: 2041

Re: Help me evaluate Job offer (Physician)

Of the two options, I would stick with Scenario 1. Two weekends per month absolutely sucks, but if you have residents there to pre-round I imagine its still relatively light. Unless your salary is expected to explode in private practice, I would stick with the university job with residents to deal w...
by StormShadow
Thu Jan 10, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Debt free...now what?
Replies: 10
Views: 1574

Re: Debt free...now what?

I'm a big proponent of keeping things simple.
five2one wrote:
Thu Jan 10, 2019 12:06 am
Savings is non-existant
Yeah, work on this.

Build up your emergency fund, TSP to the max, Roth IRA to the max and save/invest anything extra on top of this if you are able.
by StormShadow
Wed Jan 09, 2019 10:29 pm
Forum: Personal Investments
Topic: Advice for a young boglehead?
Replies: 13
Views: 1548

Re: Advice for a young boglehead?

My 2 cents as a practicing doc. Since I am young, I figured that I would go 100% VTSAX Perfectly fine. A lot of bogleheads are proponents of keeping your portfolio simple. I am currently in the medical school application process and will possibly be attending come this August Good luck! :beer At 24,...
by StormShadow
Wed Jan 09, 2019 7:03 pm
Forum: Personal Investments
Topic: Advice needed for a young person
Replies: 7
Views: 401

Re: Advice needed for a young person

If he is able to trade electronically, he can post on Bogleheads. Ask him to run his ideas on here... if he dares. :twisted:
by StormShadow
Wed Jan 09, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 1971

Re: Opinions on 2019 RAV4 and/or 2019 Santa Fe

whodidntante wrote:
Tue Jan 08, 2019 11:37 pm
My folks bought a new loaded Rav4. It's really expensive and Toyota neglected to include an engine.
Weird. When we bought our Rav4, I'm pretty sure it had an engine in it....

Hold on a sec, let me check... yep... there is definitely an engine in there.

+1 Rav4
by StormShadow
Tue Jan 08, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13010

Re: Recommendations for a 9mm handgun

Definitely first go to a shooting range and test a couple handguns first. Get training! Ask for a lesson, or at least go with someone who shoots regularly. Always ALWAYS obey the 4 rules of gun safety. Many ranges will let you rent a gun, but you usually have to come with someone (most do not rent t...
by StormShadow
Sat Jan 05, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7592

Re: Engagement Ring (Affordable)

BoggledHead2 wrote:
Thu Jan 03, 2019 11:17 am
Any recommendations on sites/jewelers that offer great prices?
Yes, your future wife.

Shop with her and pick something she likes.
by StormShadow
Sat Jan 05, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 91
Views: 7312

Re: Strategies to combat or justify lifestyle creep

HEDGEFUNDIE wrote:
Sat Jan 05, 2019 2:54 pm
Dude just buy the Tesla.

Money is for buying stuff. Either now or later.
+1
by StormShadow
Tue Jan 01, 2019 10:48 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 203
Views: 11698

Re: 2019 Hedge Fund Contest

Name: Electric Boogaloo, Inc

Long
Albemarle Corp - ALB
by StormShadow
Tue Jan 01, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2582

Re: Snow Plowing

Got an electric snow plow last year and a 100’ heavy duty electrical cord. Definitely made it easier. Not as powerful as the gas powered motors, but does the job for me. Low maitenance. We have a 70’ driveway.
by StormShadow
Tue Jan 01, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Clicking in ear during running? Not sure which type of doctor to see
Replies: 8
Views: 705

Re: Clicking in ear during running? Not sure which type of doctor to see

Listen to your ear/nose/throat. Pun not intended.

There are also subspecialists in ENT called neurotologists.