Search found 1455 matches

by climber2020
Wed Jul 08, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Toyota OEM parts
Replies: 32
Views: 1646

Re: Toyota OEM parts

I get my engine air filters on Amazon and had a good experience buying an OEM hubcap on eBay. Same hubcap would have cost 5 times the price from the dealer.
by climber2020
Mon Jul 06, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: What money saving apps do you use that are worth your time?
Replies: 20
Views: 1763

Re: What apps do you use that are worth your time?

deleted since reply is no longer relevant with title change
by climber2020
Sun Jul 05, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: Verizon Wireless hassle!
Replies: 20
Views: 1919

Re: Verizon Wireless hassle!

Agree with above. Once you get this issue sorted out, pay your bill online using autopay with a credit card and you won’t ever have to deal with this again.
by climber2020
Fri Jul 03, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Big Scan Job: 28,800 pages
Replies: 13
Views: 1275

Re: Big Scan Job: 28,800 pages

Scan the important ones and trash the rest. Are all 28,800 pages absolutely essential?
by climber2020
Wed Jul 01, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Getting a Refund (or any response) from Delta Seems Impossible
Replies: 29
Views: 1767

Re: Getting a Refund (or any response) from Delta Seems Impossible

Call Delta at 3 am. I did this a few times back in mid March and got through instantly.
by climber2020
Tue Jun 30, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 352
Views: 18263

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

Thus, my current dilemma is whether to keep rebalancing, or just leave ex-US alone and plow all new cash into VTSAX. One other option is to decide on a domestic/international split, and make new contributions in those percentages regardless of which one is ahead. You won't feel like you're constant...
by climber2020
Mon Jun 29, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Smell from kitchen sink?
Replies: 24
Views: 1778

Re: Smell from kitchen sink?

Have you tried bleach? I've found that pouring a little bit in the sink and letting it sit in the p trap for half an hour or so works well for the occasional odor.
by climber2020
Mon Jun 29, 2020 6:16 am
Forum: Personal Investments
Topic: Trying best to minimize country (USA) risk in my portfolio
Replies: 10
Views: 1028

Re: Trying best to minimize country (USA) risk in my portfolio

I think a one fund portfolio is an excellent choice in this situation. The thing I'd worry about the most with the "all weather portfolio" that you proposed is that you'll be tempted to tinker with it based on your gut instinct predicting events that may or may not come to pass. When turbulence arri...
by climber2020
Sun Jun 28, 2020 10:03 pm
Forum: Investing - Theory, News & General
Topic: eFund Again: Exploring Advanced Strategies to Maximize Returns
Replies: 7
Views: 491

Re: eFund Again: Exploring Advanced Strategies to Maximize Returns

One alternative option is to very slightly increase your savings rate, invest that amount in a stock fund, keep your emergency fund in a regular bank savings account, and not worry about the complicated plan you described. As time goes on, your emergency fund will become a smaller percentage of your...
by climber2020
Sat Jun 27, 2020 6:11 pm
Forum: Investing - Theory, News & General
Topic: Is there any situation where IUL is good?
Replies: 8
Views: 470

Re: Is there any situation where IUL is good?

Is there any good resources that I can offer her to read so that she doesn’t enter into such risky investments? Tell her to come here for plenty of good free information as long as she’s able to tolerate the inevitable thrashing that will accompany any promotion of cash value life insurance for any...
by climber2020
Fri Jun 19, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Where can I buy a car seat NOT made in China?
Replies: 30
Views: 2287

Re: Where can I buy a car seat NOT made in China?

1. I don't use Goolag. I use duckduckgo for now. Yacy probably down the line. A quick google search of "car seats made in usa" shows several options made in the US on the first hit dated May 2020. Tried the same with duckduckgo (wasn't aware this search engine was still around) and got nothing usef...
by climber2020
Fri Jun 19, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Dress Shirts
Replies: 47
Views: 3665

Re: Dress Shirts

Some of my favorite shirts in color/fit are Brooks Brothers. They have lasted many years for me so surprised someone reported having one wear in a year (maybe they are manufactured differently depending upon style and when purchased). I've read that the newer ones might be garbage compared to the o...
by climber2020
Fri Jun 19, 2020 10:45 am
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17333

Re: Susie Orman Says You are Crazy to be Investing in Bonds

I don't know enough about the intricacies of bonds to effectively contribute further to this discussion, but what's your prediction on the performance of a fund like Vanguard Total Bond over the next 5 to 10 years? That it won't look anything like that chart you posted. This isn't just a question a...
by climber2020
Fri Jun 19, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Dress Shirts
Replies: 47
Views: 3665

Re: Dress Shirts

About 5 years. The longest lasting ones for me are the relatively cheap Van Heusen shirts. I had a pair of expensive Brooks Brothers dress shirts that both wore out in a year and some custom made ones from a local shop that are starting to wear out around year 3.
by climber2020
Fri Jun 19, 2020 6:10 am
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17333

Re: Susie Orman Says You are Crazy to be Investing in Bonds

The fed funds rate does not determine the price of intermediate or long term bonds. I'm not sure what that has to do with the price of tea in China. I don't know enough about the intricacies of bonds to effectively contribute further to this discussion, but what's your prediction on the performance...
by climber2020
Thu Jun 18, 2020 10:01 pm
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17333

Re: Susie Orman Says You are Crazy to be Investing in Bonds

On the Bogleheads home page, there's a little search box in the upper left. Type "why bonds" and search. You'll see many, many threads going back years asking the same thing. People have been poo-poo-ing bonds for the better part of the last decade. Then go to google and search "VBTLX Morningstar"....
by climber2020
Thu Jun 18, 2020 8:50 pm
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17333

Re: Susie Orman Says You are Crazy to be Investing in Bonds

On the Bogleheads home page, there's a little search box in the upper left. Type "why bonds" and search. You'll see many, many threads going back years asking the same thing. People have been poo-poo-ing bonds for the better part of the last decade. Then go to google and search "VBTLX Morningstar". ...
by climber2020
Tue Jun 16, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13327

Re: Parents in a tough situation for retirement

1. Parents are in their upper 50s-low 60s. I will suggest they work until 70 to delay SS. 2. I can work with them to sell the house and sell moms business, and use whatever little money is in equity to use for retirement and they can move to apartment 3. Work a part time job until they can't anymor...
by climber2020
Tue Jun 16, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Cancelled tour; refund issue
Replies: 20
Views: 1642

Re: Cancelled tour; refund issue

Unless the T&C agreed to when booking the trip allowed them to cancel/postpone without option of cash refund (*), I would think their current policy would not be sufficient to beat a chargeback request. Product/service purchased was not delivered. (*) For future travel/tours, I would very carefully...
by climber2020
Mon Jun 15, 2020 12:38 pm
Forum: Personal Investments
Topic: Long-term market timing - tell me not to do it
Replies: 13
Views: 1052

Re: Long-term market timing - tell me not to do it

AirTimeMD wrote:
Mon Jun 15, 2020 12:32 pm
Something I cannot explain makes me want to continue working, continue earning, and continue achieving....
If that's the case, then it really makes no difference what you do with your investments. You could be 100% cash and still have enough by the time you retire.
by climber2020
Mon Jun 15, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: Cancelled tour; refund issue
Replies: 20
Views: 1642

Re: Cancelled tour; refund issue

Yes; the chargeback process is underway, and I also filed a complaint with the Federal Trade Commission about the 12 CFR 1026.12(e) violation.
by climber2020
Mon Jun 15, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Not Seeing Big Travel Discounts Yet
Replies: 16
Views: 1111

Re: Not Seeing Big Travel Discounts Yet

One possibility is that many of these companies may no longer exist a few months from now.
by climber2020
Mon Jun 15, 2020 8:10 am
Forum: Personal Consumer Issues
Topic: Cancelled tour; refund issue
Replies: 20
Views: 1642

Re: Cancelled tour; refund issue

lthenderson wrote:
Mon Jun 15, 2020 7:56 am
I would be interested in hearing what your credit card company says since you've already been promised a full refund. My guess is that there isn't anything they can or will do at this point.
I called this morning and filed a dispute. I'll keep everyone updated.
by climber2020
Sun Jun 14, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Cancelled tour; refund issue
Replies: 20
Views: 1642

Re: Cancelled tour; refund issue

Thanks everyone. I'll call my credit card company and see what they say. It merchant is US-based, file an FTC complaint indicating merchant is violating 12 CFR 1026.12(e) requiring credit card merchant to issue refund transaction within 7 business days upon agreeing a refund is due. Good info. They'...
by climber2020
Sun Jun 14, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Cancelled tour; refund issue
Replies: 20
Views: 1642

Cancelled tour; refund issue

I'd like to present a situation to the collective wisdom here to help me decide how to proceed. I was scheduled to go on a tour to Great Britain this September with Trafalgar (a group tour company). The original nonrefundable deposit was made in 2019, and I paid the balance in January 2020 to get a ...
by climber2020
Sat Jun 13, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: Incredible Returns
Replies: 67
Views: 6116

Re: Incredible Returns

dhc81 wrote:
Sat Jun 13, 2020 5:50 am
I have a co-worker who frequently shows me on his smartphone his recent trades and also his current account balance in his trading account.
If he were that awesome (consistently) at day trading, he wouldn't be your co-worker.
by climber2020
Thu Jun 11, 2020 12:14 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16243

Re: Thoughts on today's sell-off?

And this is a great reason to own some bonds.

To paraphrase another frequent poster here: when the market tanks, you sell the bond and buy the stock; when the market skyrockets, you sell the stock and buy the bond.

No matter what happens, you win every time.
by climber2020
Thu Jun 11, 2020 12:09 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16243

Re: Thoughts on today's sell-off?

No one knows.

And anyone who actually had such knowledge (assuming having such knowledge is possible) wouldn’t be foolish enough to tell the whole world on a public internet forum.
by climber2020
Wed Jun 10, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: How to be informed but tune out the noise?
Replies: 26
Views: 1790

Re: How to be informed but tune out the noise?

Reuters is a decent news source without a lot of the clickbait.
by climber2020
Wed Jun 10, 2020 11:38 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 382
Views: 48863

Re: How Bad was 2008, really?

I always have cash on the side. Peers who told me in 2006 that I shouldn’t time the market and that my opportunity cost was huge, went silent as I pushed that cash into a low-fee US index at rock bottom prices while they stood with their hands in their pockets - fully invested None of your peers ow...
by climber2020
Tue Jun 09, 2020 8:46 am
Forum: Investing - Theory, News & General
Topic: Did I miss my only chance for TLH?
Replies: 12
Views: 892

Re: Did I miss my only chance for TLH?

Did I miss the only viable chance to TLH? When would it ever be possible again? If you're still working and making new contributions, you'll have plenty of future opportunities to TLH. Money that's been sitting around growing for the last 20 years may not ever qualify for harvesting losses, but tha...
by climber2020
Tue Jun 09, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107748

Re: Well, I am market timing due to coronavirus... Wish me luck.

The actual increase to the OP's portfolio is unknown to us, as all we know is that he moved 25% out of equities and into FI. We do not know where and at what proportion that he reinvested his FI back into equities. The comment you corrected assumed a 25% gain for 25% of his portfolio in comparison ...
by climber2020
Tue Jun 09, 2020 7:14 am
Forum: Personal Investments
Topic: Re-balancing
Replies: 18
Views: 1420

Re: Re-balancing

Rebalancing definitely helped. My written plan typically calls for a 5% band unless there is a major market drop, in which case I'm more aggressive in moving money to stocks (like the RBD theory floating around here). I had to rebalance a few times from bonds to stocks in March and just recently mov...
by climber2020
Tue Jun 09, 2020 7:10 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107748

Re: Well, I am market timing due to coronavirus... Wish me luck.

What we know for sure is that he reinvested around 25% of his cash back in near the bottom. He went from 75/25 to 50/50 in February, so we're talking about 25% of 25% which is around 6% of his total portfolio. All this effort and uncertainty for 6% of one's portfolio. I'd find 6% quite impressive a...
by climber2020
Mon Jun 08, 2020 12:12 pm
Forum: Personal Investments
Topic: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?
Replies: 50
Views: 3606

Re: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?

GaryA505 wrote:
Mon Jun 08, 2020 11:53 am
We have been in a 40-year bull market for bonds, so what happened between 2012 and now is meaningless.
Ok. Let us know how it goes.
by climber2020
Mon Jun 08, 2020 11:40 am
Forum: Personal Investments
Topic: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?
Replies: 50
Views: 3606

Re: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?

I joined Bogleheads in 2012, and people have been saying some variation of this for the last 8 years. I'm glad I ignored them.

Don't forget to include reinvested dividends in your calculations.

https://www.morningstar.com/funds/xnas/ ... erformance
by climber2020
Mon Jun 08, 2020 11:27 am
Forum: Personal Investments
Topic: Advice on my AA? 30% stocks / 70% gold
Replies: 22
Views: 1049

Re: Advice on my AA? 30% stocks / 70% gold

I can't bring myself to own bonds long-term. My target asset allocation is 30% stocks, 70% vaulted gold and silver. I know that most people in this forum who are not 100% on stocks, have mostly (or nothing but) bonds to reduce risk, so I would like to get your opinion on my asset allocation. How do...
by climber2020
Mon Jun 08, 2020 10:42 am
Forum: Investing - Theory, News & General
Topic: Going 100/0 to 52/48 Today (06/08/20) - Wish Me Luck
Replies: 48
Views: 4764

Re: Going 100/0 to 52/48 Today (06/08/20) - Wish Me Luck

Good luck, and no matter what happens, please stick around and give us regular updates. Why would I disappear from Bogleheads or delete this thread? That's the standard course of action in these market timing threads. When things are going well, the person is here multiple times a day. When things g...
by climber2020
Mon Jun 08, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: Reinvesting Dividends in Taxables: Arguments for and Against?
Replies: 15
Views: 1231

Re: Reinvesting Dividends in Taxables: Arguments for and Against?

Cranberry44 wrote:
Sun Jun 07, 2020 3:39 pm
2) Do you reinvest dividend in your taxable account? Why?
Yes. To avoid the temptation of market timing. If it's automatic, I don't have to think about it.
by climber2020
Sat Jun 06, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: How to sell old iPhones?
Replies: 21
Views: 1328

Re: How to sell old iPhones?

If you're ok with a gift card, doing a trade-in at Amazon is easy (or it was the last time I tried a few years back). You won't get as good a deal as other options like Craigslist.
by climber2020
Sat Jun 06, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107748

Re: Well, I am market timing due to coronavirus... Wish me luck.

So you think that the OP started this thread merely to brag about how good his market timing skills would be? If so, take a look at his post here . In his second to last post, he said that he was moving back into stocks, though he didn't say how much. It's very important to point out that the OP's ...
by climber2020
Sat Jun 06, 2020 7:51 am
Forum: Investing - Theory, News & General
Topic: Market Timing - Reallocate bonds to stocks during a crash?
Replies: 7
Views: 452

Re: Market Timing - Reallocate bonds to stocks during a crash?

Hi all, When the market went haywire in mid-March, I changed my asset allocation from 80/20 stocks/bonds to 100% stocks . I did it on the theory that, at that time, the market had fallen below a level it would be at in 3-5 years, and by increasing my allocation in stocks I would have additional gai...
by climber2020
Sat Jun 06, 2020 5:44 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107748

Re: Well, I am market timing due to coronavirus... Wish me luck.

since when is 6% insignificant? thats a whole year’s expected return for many Because this whole ordeal could have ended up like this: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=203792 . Fortunately for the OP it didn't, but no one knew that for sure at the time. If he did, he would have...
by climber2020
Sat Jun 06, 2020 5:25 am
Forum: Personal Investments
Topic: Bonds in a portfolio
Replies: 13
Views: 1341

Re: Bonds in a portfolio

Since bond funds can decrease in value, and are not risk free, why not use cash as the safe and stabilizing part of a portfolio? Because bonds can increase in value as well and keep up with inflation. Scroll down a little and look at the chart: https://investor.vanguard.com/mutual-funds/profile/per...
by climber2020
Fri Jun 05, 2020 10:21 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107748

Re: Well, I am market timing due to coronavirus... Wish me luck.

OP’s original call impressively couldn't have been more spot on. It was. But OP clearly didn’t stick to it. Kept changing his plans for rentry. Then he disappeared. And why, pray tell, did the OP 'disappear'? Read his posts on pages 16-17 of this thread, and you'll see that he experienced the same ...
by climber2020
Fri Jun 05, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107748

Re: Well, I am market timing due to coronavirus... Wish me luck.

I don't advocate timing the market, but...if CNC actually sold when he said he was going to and actually bought in at the end of March...man oh man. If you'er going to time the market, that's how the hell you do it. Well done. To save you from reading the entire thread, that isn't what happened. He...
by climber2020
Fri Jun 05, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107748

Re: Well, I am market timing due to coronavirus... Wish me luck.

I really want to know when OP went back in or if he/she is waiting for the second bottom. Disclosure: I would be lying if I said I didn't get scared and took no action. I did sell a bit and not buy back. But it was less than a few percent of holdings. So, didn't lose much or gain much! :oops: We wo...
by climber2020
Fri Jun 05, 2020 8:11 am
Forum: Personal Investments
Topic: Remove bonds from my allocation of home equity is 55% of my net worth?
Replies: 4
Views: 376

Re: Remove bonds from my allocation of home equity is 55% of my net worth?

Do you have an emergency fund?

If you lose your job during a time when stocks are tanking, will you either sell your house to pay for expenses or be comfortable selling stocks when they've just dropped 30%?

If the answer is yes, then go for it. The difference between 90/10 and 100/0 is negligible.
by climber2020
Thu Jun 04, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Having an agreement with your children?
Replies: 28
Views: 1707

Re: Having an agreement with your children?

However, it is not obvious that if you run out of money before you die, you can count on your children to provide support for your final years. Adjust your lifestyle and live under your means so you don’t run out of money. Plenty of old folks out there who live on nothing more than social security.
by climber2020
Wed Jun 03, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's expectations of subsidizing her friends' lives
Replies: 82
Views: 4498

Re: Wife's expectations of subsidizing her friends' lives

Tell her to go get a job and she can do whatever she wants with her income. We have talked about creating a family together (I have a child from a previous marriage) and I think saving for family and retirement should be our priorities. You might want to sort the money issue out first before a nuisa...