Search found 763 matches

by dziuniek
Mon Jul 06, 2020 1:14 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 116
Views: 7504

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

I feel like buying TSM is plenty speculation enough these days.... (at these levels). Plenty risky to me. If market closes the year flat will you assume the bull market going on since 2010? Do you think another bust coming? No clue one way or the other. All I know is that I felt better buying it 35...
by dziuniek
Mon Jul 06, 2020 12:29 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 116
Views: 7504

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

I feel like buying TSM is plenty speculation enough these days.... (at these levels). Plenty risky to me.
by dziuniek
Thu Jul 02, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Spiked Seltzers?
Replies: 46
Views: 3192

Re: Spiked Seltzers?

If TRULY, the lime ones hide the chemical aftertaste the best...
by dziuniek
Wed Jul 01, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 64
Views: 3802

Re: Elementary school in Fall - choose Virtual or In-person

We are sending our youngest to kindergarten in the Fall... as of right now anyways. We are in CT and things seem to be better here than most places. I am currently working from home so I guess worst comes to worst if schools shut down I can help our kiddo with the online stuff. Then again, what is a...
by dziuniek
Wed Jun 24, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: Why fancy fast car?
Replies: 13
Views: 1342

Re: Why fancy fast car?

So no one drives faster than the speed limit? Sure...
Anecdotal... but just about everyone I see on the roads does a lot more than the speed limit...
by dziuniek
Tue Jun 23, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: 2007 to 2020: The changing advice of "A Random Walk Down Wall Street"
Replies: 64
Views: 9844

Re: The changing advice of "A Random Walk Down Wall Street" - 2007 to 2020

While I respect Dr. Malkiel's efforts to educate investors, I am still very skeptical of this idea that investment decisions should be made on the basis that stock allocation and GDP growth rates or shares are directly connected. Yes, emerging markets see economic growth, but that doesn't mean the ...
by dziuniek
Mon Jun 22, 2020 1:44 pm
Forum: Personal Investments
Topic: Life Strategy Funds
Replies: 12
Views: 1101

Re: Life Strategy Funds

My ROTH IRA holds the 60/40 LS Fund. I like it. As mentioned above, the funds hold a heavy allocation to international, but after 10 years of under performance maybe it's time for some reversion to the mean. Who knows... I like them in my IRAs/Rollover IRAs for simplicity. Those are accounts I don't...
by dziuniek
Mon Jun 22, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Windows 7 Extended Security Updates, to January 2023
Replies: 17
Views: 1373

Re: Windows 7 Extended Security Updates, to January 2023

Not sure if this applies, but I just did a free windows 10 update on my folks home desktop. This supposedly was ended by Microsoft years ago... it worked just fine.
by dziuniek
Fri Jun 19, 2020 5:24 am
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10392

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

I just don't see this as a big deal...

You could just bring a pre-approval letter form a bank, no ? If you're looking to buy, you should get that anyways. Would that work in this scenario?
by dziuniek
Tue Jun 16, 2020 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have other options than mortgage default? How do I handle foreclosure?
Replies: 36
Views: 4161

Re: Do I have other options than mortgage default? How do I handle foreclosure?

Hey all, I've been reading in the archives but I haven't seen anything quite like my situation, so I'm asking for any advice anyone might have. I used to live in a small house in Pennsylvania. It's outside of a small town, beyond the municipal utilities and gets its water from a well on the propert...
by dziuniek
Tue Jun 16, 2020 12:15 pm
Forum: Investing - Theory, News & General
Topic: Thinking beyond mainstream investing?
Replies: 8
Views: 519

Re: Thinking beyond mainstream investing?

Private Equity.

Direct Real Estate - this is easiest to get into. (rentals, apartments) - crowd funded stuff too.

Direct Lending.

Mortgage Notes.

Individual securities.

Currency - though you could easily lose a lot of money here.

ART and other collectibles?
by dziuniek
Tue Jun 16, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Replace my 4 Runner? Update on Repair Post 47
Replies: 62
Views: 3643

Re: I May Need to Replace my 2005 4 Runner :(

RAV4? All the cars seem to have gotten bigger since you got this one :)
by dziuniek
Tue Jun 16, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: Flexing your frugality - are 0% loans to friends wrong?
Replies: 54
Views: 3206

Re: Flexing your frugality - are 0% loans to friends wrong?

Regardless of interest rate, loans to friends are a bad idea. Got burned once, lost a friend. (in my younger days).

I mean... money is pretty cheap to borrow these days anyways... and if you can't borrow from a bank....
by dziuniek
Mon Jun 15, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 116172

Re: Why are you NOT buying rental properties?

REITS were cheaper.
by dziuniek
Mon Jun 15, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5929

Re: To what Broadband Speeds do you Subscribe and Why?

whodidntante wrote:
Thu Jun 04, 2020 9:21 pm
200 / 10 Mbps. It's sufficient to browse Bogleheads and WSB at the same time.
Haha, sure is.

I'm at 25 / 10 or so.

More than plenty. More would be nice but it would be alot more $.
by dziuniek
Sun Jun 14, 2020 7:08 am
Forum: Personal Investments
Topic: 529 investment options for son going to college
Replies: 13
Views: 781

Re: 529 investment options for son going to college

If the 529 portfolio is sizeable when compared tp the cost of college, I would not be risking it on stocks right now. I would apply the same logic who's about to retire after hitting their goal / number. Now... if it's 5% of total college cost, I might risk it, but if it's say at least big enough to...
by dziuniek
Thu Jun 11, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Would you be motivated to refinance this loan?
Replies: 25
Views: 1327

Re: Would you be motivated to refinance this loan?

I am probably a nut, but you could get a lower interest rate on a 30 year now.... Did you run those numbers? (free up cash/liquidity) I have plenty of cash on the sidelines....but anyway where, are you seeing <2.375% on a 30 year FRM? I was comparing it to your current loan at 3.75%. I refinanced i...
by dziuniek
Thu Jun 11, 2020 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Would you be motivated to refinance this loan?
Replies: 25
Views: 1327

Re: Would you be motivated to refinance this loan?

I am probably a nut, but you could get a lower interest rate on a 30 year now.... Did you run those numbers? (free up cash/liquidity)
by dziuniek
Thu Jun 11, 2020 7:41 am
Forum: Investing - Theory, News & General
Topic: Market makes no sense
Replies: 116
Views: 8061

Re: Market makes no sense

One nice mindset you can use to discount all of these is:

- market is forward looking.

If you believe that, then I don't see why it shouldn't go higher. It's a neat narrative.
by dziuniek
Tue Jun 09, 2020 4:27 pm
Forum: Personal Investments
Topic: Paying off mortgage or investing in stocks/bonds?
Replies: 16
Views: 1253

Re: Paying off mortgage or investing in stocks/bonds?

Wiki article link: Paying down loans versus investing The fair comparison is a bond portfolio with the same duration as the mortgage. If you take out a 5/1 ARM and buy MUB, with a 6-year duration and a 1.51% SEC yield, you are taking a bit of interest-rate risk, as well as credit risk. You are losi...
by dziuniek
Tue Jun 09, 2020 4:23 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21017

Re: Markets back near all time highs - how are you feeling and path forward ?

I see no way that stocks don't drop again. With a pandemic, high unemployment, riots and a likely Biden victory; how can stocks continue to climb? At some point investors will come to their senses. - Less folks seem to social dsitance and all, so the pandemic seems to be WISHED/WILLED away by some....
by dziuniek
Tue Jun 09, 2020 2:15 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21017

Re: Markets back near all time highs - how are you feeling and path forward ?

I imagine re-balancing bands folks are happy as opposed to the quarterly or annual re-balancing folks.
One of these caught some more upside since March.
by dziuniek
Tue Jun 09, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Finally Maxing 401K, Now What?]
Replies: 20
Views: 1112

Re: [Finally Maxing 401K, Now What?]

Ibonds as part of your bond allocation? Frees up some space for equities in tax-deferred space.
by dziuniek
Tue Jun 09, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 92
Views: 8694

Re: You have a second chance to reduce your stock holdIng

Pessimist. DOW 40k, let's go!

All I know is that I would've had a lot more money if over the last 10+ years I wasn't such a pessimist. It's hard to be one now at all time highs, but you could've said the same thing throughout that time frame.
by dziuniek
Tue Jun 09, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536620

Re: What are you up YTD? [Year To Date]

Was up 8% before today! Should've called it quits for the year. Too greedy. :twisted: We'll have a shot of whiskey together! I knew things were overpriced and that my paper value was inflated yesterday, but almost every company I hold is one I'm willing to keep for the next 10 years unless somethin...
by dziuniek
Tue Jun 09, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1617
Views: 409810

Re: Share your net worth progression

Kept seeing this post pop up and was looking forward to posting once I hit my most recent goal, and now I've hit it! I pulled these number from goals that I had set/met in Mint. Nov 2016: 15K 2017: 30K July 2018: 50K 2019: 70K May 2020: 100K Definitely still in the early stages of my career at 25 y...
by dziuniek
Tue Jun 09, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1617
Views: 409810

Re: Share your net worth progression

Is flaunting net worth in vogue, especially in these times? Reminds me when someone post, something like "can I buy this used toyota camry?" and states they have $10 million in blah blah blah funds. I don't see how it has anything to do with 'these times'. There's always something going on. This is...
by dziuniek
Tue Jun 09, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536620

Re: What are you up YTD? [Year To Date]

Was up 8% before today! Should've called it quits for the year. Too greedy. :twisted:
by dziuniek
Sun Jun 07, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21017

Re: Markets back near all time highs - how are you feeling and path forward ?

Grt2bOutdoors wrote:
Fri Jun 05, 2020 8:36 pm
gwe67 wrote:
Fri Jun 05, 2020 7:50 pm
I was asleep for a few months. What did I miss?
Toilet paper shortage...... :D
Covid
Killer Bees
Protests/Riots

Not even halfway there yet!

Remaining options for 2020:

- covid 2
- meteor?
- ww3?
by dziuniek
Sun Jun 07, 2020 12:03 pm
Forum: Personal Investments
Topic: (Sort Of) Unexpected Outcome from Risky Maneuver
Replies: 12
Views: 1041

Re: (Sort Of) Unexpected Outcome from Risky Maneuver

Sounds like a plan!

Regarding the outperformance, I'm up 7.25% in my primary retirement account. Should sell the riskier parts of it, go all in on SP500 and claim I beat 99% of fund managers for 2020. :twisted:
by dziuniek
Sat Jun 06, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24543

Re: What fun car should I get in the $150k - $200k range?

Lotus Evora GT? 100k, plenty exotic.
by dziuniek
Fri Jun 05, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 89
Views: 10127

Re: If SS covers expenses why invest?

I simply chose to get rich slowly the boglehead way. (though at my savings rate, I might kick the bucket first) SS will not cover our expenses is the primary reason for saving. if it did, I would still save for a rainy day or.... a boat. I mean, I'd rather be a silver fox with a ferrari than a prius...
by dziuniek
Fri Jun 05, 2020 8:12 am
Forum: Personal Investments
Topic: Remove bonds from my allocation of home equity is 55% of my net worth?
Replies: 4
Views: 375

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

I consider my allocation separate from my house equity. Home equity =/ fixed income. Can you convert a house into an income stream later on if you sell it? Sure. I'm 34 but way more conservative than you in asset allocation. I even consider my pension (not vested yet) to be separate and not it does ...
by dziuniek
Thu Jun 04, 2020 6:16 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536620

Re: What are you up YTD? [Year To Date]

Was up 6% YTD before today!
by dziuniek
Thu Jun 04, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: 457b Plan for Government Employees
Replies: 4
Views: 399

Re: 457b Plan for Government Employees

I would do pre-tax roth and then open a ROTH IRA.

My pretax 457b, to some extent, doubles as my emergency fund, in case I get laid off.
by dziuniek
Thu Jun 04, 2020 8:36 am
Forum: Personal Investments
Topic: Wellesley, LifeStrategy Conservative Growth and/or Target Retirement Income Funds for Risk-averse retiree
Replies: 17
Views: 1842

Re: Wellesley, LifeStrategy Conservative Growth and/or Target Retirement Income Funds for Risk-averse retiree

My only worry would be a somewhat high exposure to corporate bonds and a small exposure to treasurys.
That's fine as long as you understand the risk, but if you want to be conservative, I would rather have treasurys rather than corporate bonds.
by dziuniek
Wed May 27, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Installing window AC without accordion side panel
Replies: 17
Views: 1164

Re: Installing window AC without accordion side panel

Why not a standing floor model ? (whatever they are called)
by dziuniek
Wed May 27, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7448

Re: does anyone have a subscription to youtube tv?

Why not just try it? It has a free trial period.
by dziuniek
Tue May 26, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 370
Views: 31283

Re: The axe falls and I am prepared. What's next?

You'd probably be even ok if the whole of your portfolio was in cash. That's just my opinion.

Enjoy retirement!
by dziuniek
Tue May 26, 2020 8:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6465
Views: 546667

Re: U.S. stocks continue to soar!

I watch the market daily, why the heck not? Especially now, working form home and all.

Watching and commenting on it are not the same as trading on this thread daily :)

Go stonks* !
by dziuniek
Mon May 25, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Does software play a role in choosing TV
Replies: 28
Views: 1434

Re: Does software play a role in choosing TV

Idk, my LG seems pretty decent. I have a PS4 connected to it, but prefer the built in tv apps. It's just faster to access. On the plus side- it plays most formats videos straight from the USB stick. :D I've recently started doing P90X again and ripped my dvds to AVI format so they're all on the USB ...
by dziuniek
Fri May 22, 2020 11:03 am
Forum: Investing - Theory, News & General
Topic: The Taleb Asness 'debate' in the light of Bogleheads philosophy
Replies: 146
Views: 7315

Re: The Taleb Asness 'debate' in the light of Bogleheads philosphy

Taleb called Asness 'disgusting "AQR" luantic' ...

I've yet to see the other side of the exchange but that's nuts. Already losing some respect here. Seems like COVID is driving even the smartest folks nuts. :twisted:
by dziuniek
Wed May 20, 2020 1:26 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 4515

Re: Individual stock for son's birthday

SPCE? Virgin Galactic maybe? Moonshot?
by dziuniek
Mon May 18, 2020 12:18 pm
Forum: Investing - Theory, News & General
Topic: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates
Replies: 79
Views: 7890

Re: NYTs article:— New York Times article May 17, Dealing With the Dark Side of Low Interest Rates

Does this make sense though?

Since you get $ zero for holding cash or bonds...

- people spend the money, more sales / more return from equities?
- people pile into risk assets, such as stocks
- people pile into real estate

Lots of bogleheads should be well positioned should that happen.
by dziuniek
Sat May 16, 2020 5:01 pm
Forum: Investing - Theory, News & General
Topic: Rekenthaler: Long Bonds Are for Fools
Replies: 346
Views: 18572

Re: Rekenthaler: Long Bonds Are for Fools

Goldman Sachs says a second wave of coronavirus could make the Fed rethink negative interest rates. Negative rates are a future possibility, I think, despite what the Fed currently says. What if we went massively deflationary? We had -10.3% inflation in 1932. I expect that if Treasury rates go a bi...
by dziuniek
Sat May 16, 2020 1:02 am
Forum: Investing - Theory, News & General
Topic: AQR/Asness on the Death of Value...Which Vanguard ETFs to Get?
Replies: 47
Views: 4042

Re: AQR/Asness on the Death of Value...Which Vanguard ETFs to Get?

jhsu802701 wrote:
Sun May 10, 2020 9:10 pm
DGS expense ratio is 0.63% per Morningstar.
by dziuniek
Sat May 16, 2020 12:25 am
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3381

Re: What to do with canned chicken?

Buffalo chicken dip!