Search found 282 matches

by fanmail
Tue Nov 13, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: "What If You Retire At a Stock Market Peak?" - by Ben Carlson
Replies: 34
Views: 3556

Re: "What If You Retire At a Stock Market Peak?" - by Ben Carlson

Interesting read. But what does the nominal look like? Obviously 4% of 1MM is 40k, but if you can't live on 20K per year, and you're pulling 4% of 500k after a market crash, how does that look?
by fanmail
Fri Oct 12, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5839

Re: Who worries about a bear market in stocks?

3. Those who are heavily leveraged either in their portfolios or real estate.
4. Those who are barely employable and would be impacted by layoffs.

Either of these groups can overlap with the first 2.
by fanmail
Wed Oct 10, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

It's easy to buy stocks nowadays - literally anybody with a cell phone and a bank account can invest. On the flip side, it's just as easy to sell. This is hilarious though - the S&P started the year around 2695 - today (after all the hype) it's at what, 2880 ? S&P down 52 points, DOW down 2% is not...
by fanmail
Sun Sep 16, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 155
Views: 12344

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Put another way, you’re a decamillionaire who is slaving away for less than $100/hour. You’ve got serious FU money so utilize it.
by fanmail
Sun Sep 16, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8278

Re: How did you decide when to retire?

I don't understand the OP's issue. $58K in "reduced" pension, $1 million in tax deferred portfolio. Eventually at age 70, another $40K in Social Security benefit ignoring what their spouse does. Only $25K of housing cost and it sounds like much of it is co-op/condo/HOA fees since the mortgage amoun...
by fanmail
Sun Sep 16, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 155
Views: 12344

Re: Considering Quitting Job - Seeking Advice. Would you do it?

student wrote:
Sun Sep 16, 2018 2:09 pm
Now that you have posted the numbers, please retire and enjoy life.
yep done
by fanmail
Sun Sep 16, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 155
Views: 12344

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I understand that you do not want to divulge too much company information but it will be helpful if you tell us your net worth. It makes a difference. If you have $10 millions and you are spending $400k, I would say retire and spend less. If you have $1 million and you are spending $40k, then it is...
by fanmail
Sat Sep 15, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 18276

Re: Bay Area housing frenzy cooling

Case Shiller avoids this issue by using repeat sales of the same properties. Peak index in Mar 2006 of 219, with a low 3 years later in May 2009 of 119. (46% drop) Ouch! https://fred.stlouisfed.org/series/SFXRSA It is important to understand those numbers. They are for San Francisco, Marin, San Mat...
by fanmail
Sun Aug 19, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10802

Re: Take auto loan 0.9% if I can afford cash?

I will be buying a car soon. I can afford to pay cash up front. The dealer says I’m eligible for 0.9% financing for 3 years. No change in price whether paying by cash or loan. Would you take a car loan that you didn’t need? My only other debt is a home mortgage with after tax interest rate of 1.7% ...
by fanmail
Mon Aug 13, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7800

Re: Marriage [How should finances be handled?]

Hi all, I will be getting married next month. Me and the fiancée are both investing and paying down student loans in accordance with the boglehead way. Now I am here for guidance as to what actions should be taken financially after marriage. Do we continue investing/saving/ paying down our student ...
by fanmail
Wed Jul 04, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1836

Re: Evaluating New Job Offer

Just quietly decline the new job offer without trying to get some kind of a counter from your current employer. You likely only have a chance of having the counter-offer routine work once with an individual employer, save it for some occassion where there is really a substantially better offer with...
by fanmail
Wed Jul 04, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: bonds or bond funds?
Replies: 39
Views: 2585

Re: bonds or bond funds?

Kevin, your posts on fixed income are always appreciated and educational for beginners on up to more experienced investors.
by fanmail
Wed Jul 04, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Affording a $1.8-2M house
Replies: 54
Views: 9669

Re: Affording a $1.8-2M house

Can you rent something closer to work now and save more before buying? I agree with the posters regarding using caution in this situation.
by fanmail
Tue Jul 03, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: What Are S&P 500 Index Options?
Replies: 22
Views: 1983

Re: What Are S&P 500 Index Options?

Sometimes I get the impression that they are using it to suggest the future direction of the market. S&P 500 futures _are_ the market. There is more trading (about $350 billion per day) in S&P 500 futures than in all the US stocks combined (about $300 billion per day) The S&P 500 index, a S&P 500 m...
by fanmail
Wed Feb 07, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

Some pretty wild swings in the market. Guessing we will see continued choppiness and volatility, which has been absent for so long. Surprised at the resiliency of the market after the 10% plus sell-off in a few days.
by fanmail
Mon Feb 05, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50481

Re: Today was a Really Bad Day

Dow futures are now over 13% off the highs.
by fanmail
Mon Feb 05, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

Hey, guess what? It's still a little more likely that Mr. Market is UP tomorrow and not DOWN. According to Crestmont, over the last 50 years the market has been up about 54% of the days and down 46%. Even in bear market periods, it has been up 51% of the days and down 49%. It's not the number of UP...
by fanmail
Mon Feb 05, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

Aaaaand, the beat goes on... as of 9:35 PM Eastern, Australia is down almost 3%, Japan is down over 5%, and U.S. S&P 500 e-mini is down a percent and a half. Looks like tuck and roll tomorrow. :shock: SP futures closed this afternoon 1.5 below the index so that 1.5% move down, which is now 2% btw, ...
by fanmail
Mon Feb 05, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

Aaaaand, the beat goes on... as of 9:35 PM Eastern, Australia is down almost 3%, Japan is down over 5%, and U.S. S&P 500 e-mini is down a percent and a half. Looks like tuck and roll tomorrow. :shock: SP futures closed this afternoon 1.5 below the index so that 1.5% move down, which is now 2% btw, ...
by fanmail
Mon Feb 05, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50481

Re: Today was a Really Bad Day

Tuesday early indications are another RBD. Prices subject to change.
by fanmail
Mon Feb 05, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

FYI futures markets are implying another 3% dip right now from Monday’s close.
by fanmail
Fri Dec 22, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 21589

Re: Bitcoin in Freefall

what goes up 2650% in 1 year must come down
by fanmail
Thu Feb 02, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 10216

Re: How do you guys ignore this stuff?

If all the financial media, pundits, analysts and experts told the truth: that they don't know what's going to happen or when... there would be no more financial media, pundits, analysts and experts. They are collectively as useful as a screen door on a submarine. +1 Thanks. That's a good one. "Tal...
by fanmail
Tue Jan 17, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best index fund that covers global stocks? [Euro investor]
Replies: 16
Views: 2227

Re: Best index fund that covers global stocks?

Yep, VT is it. The ultimate boglehead ETF, buys the same % of every incorporated company in the world. I've never looked too hard at this before, but that isn't quite true. Quick evidence: Vanguard's Total Stock (domestic) fund has 3619 stock holdings, Total International Stock fund has 6123 stock ...
by fanmail
Wed Dec 21, 2016 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Borrow money to invest?
Replies: 33
Views: 3222

Re: Borrow money to invest?

lostdog wrote:It's interesting that people say no but then they choose to not pay off their mortgage when they have the cash but rather invest it. Isn't that the same thing?
At much higher interest rates no less.
by fanmail
Tue Dec 20, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"
Replies: 91
Views: 10115

Re: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"

VXUS opened 0.30 lower today with an announced 0.39 dividend. VTI opened 0.32 lower today with an announced 0.727 dividend. Makes sense with stocks being up at the open that they weren't down as much as the dividend. Maybe I need to use some other way besides looking at 9:30 price on the ticker in ...
by fanmail
Tue Dec 20, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"
Replies: 91
Views: 10115

Re: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"

Long story short, there's no free lunch from dividends, nor do unsuspecting investors get screwed by the timing.
by fanmail
Tue Dec 20, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"
Replies: 91
Views: 10115

Re: Over the last 40 years, 71% of the stock market's return came from dividends, not capital appreciation,"

VXUS opened 0.30 lower today with an announced 0.39 dividend.
VTI opened 0.32 lower today with an announced 0.727 dividend.
Makes sense with stocks being up at the open that they weren't down as much as the dividend.
by fanmail
Mon Dec 12, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Placing a market order over the weekend
Replies: 18
Views: 2985

Re: Placing a market order over the weekend

Does not matter to me if you cancel. The responses you are getting are a little surprising. I thought bogleheads philosophy was time in the market, not timing the market. Yes, but ETFs trade just like stocks. And while you might want to get in at $10 a share, it is quite possible that the market ca...
by fanmail
Mon Dec 12, 2016 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Placing a market order over the weekend
Replies: 18
Views: 2985

Re: Placing a market order over the weekend

Does not matter to me if you cancel. The responses you are getting are a little surprising. I thought bogleheads philosophy was time in the market, not timing the market.
by fanmail
Thu Dec 08, 2016 4:14 am
Forum: Investing - Help with Personal Investments
Topic: Where does Gold fit in passive investing
Replies: 18
Views: 2637

Re: Where does Gold fit in passive investing

Gold is a commodity, so it's speculative and supply/demand driven. It is treated by traders as a risk off tool. Crazy people think it is the only real money.

There is no longterm +EV, so it has no real place in passive investing in my opinion.
by fanmail
Thu Dec 08, 2016 4:00 am
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 52
Views: 4605

Re: Help placing limit order for BND

I honestly don't know. The one thing I'm not seeing here so far is people saying things like, "When I place $300K trades, I do X". Lots folks here will have good suggestions based on actual experience on how to trade 100 or 200 shares of BND. 4000 shares may well be different. Just did the math. BN...
by fanmail
Mon Nov 14, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 27180

Re: Why are bonds dropping? They are supposed to be safe.

Kevin's response above my post should be stickied for the brilliant simplicity and reminder of how bonds function. Always a good reminder during turbulent times.
by fanmail
Mon Nov 14, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Bonds suck
Replies: 46
Views: 9020

Re: Bonds suck

The year to date total return of Vanguard total bond is about 5%. More to the point the growth of $10,000 for VBMFX is here: http://performance.morningstar.com/fund/performance-return.action?t=VBMFX®ion=usa&culture=en_US The investor can decide if this is unsatisfactory behavior or not. That YTD...
by fanmail
Wed Oct 12, 2016 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 12538

Re: If i want to invest in gold (metal), what is the best way?

I believe the term is risk averse.

In the US, the $20 has been the most commonly counterfeited.
by fanmail
Wed Oct 12, 2016 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get gold when it is low
Replies: 10
Views: 1408

Re: Best way to get gold when it is low

Locking in a price now for a future expense, sounds like a hedge. You could buy gld or some other etf, and then sell it when it's time to get the physical. Just keep in mind that you're locking in a price, so you should be happy with that price regardless of what price does between your etf hedge an...
by fanmail
Tue Aug 30, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: The Richest Man in Babylon
Replies: 29
Views: 6465

Re: The Richest Man in Babylon

I read the book a long time ago, at least fifteen years ago. My recollection is that I didn't think that much of it, although I can't remember why. It's funny you say that because I thought the same thing when I read it. I had heard so many people recommend it, I thought it was going to be life-cha...
by fanmail
Thu Aug 11, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 4291

Re: Going short to negate going long [socially responsible investing]

What powers the electronic device that you are engaging in this discussion on?
by fanmail
Thu Jul 21, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 4511

Re: 3% cd

This is a 7 year cd, right? You forgot to mention that.
by fanmail
Mon Jun 27, 2016 12:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

flyersrule wrote:
fanmail wrote:Yeah, those are Friday's prices. Futures markets will open at 6 est.
http://m.investing.com/indices/indices-futures

Why are these changing then?
6 pm est, so yeah they should have been changing at midnight.
by fanmail
Sun Jun 26, 2016 3:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

Yeah, those are Friday's prices. Futures markets will open at 6 est.
by fanmail
Thu Jun 23, 2016 10:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

S&P futures now down 100 points.
by fanmail
Thu Jun 23, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605236

Re: U.S. stocks in freefall

Brexit is bringing this thread back, unfortunately. Futures down 3% right now. Pound getting destroyed. Bonds getting bought like crazy.
by fanmail
Wed Jun 15, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Didn't Pay Off the Mortgage Today
Replies: 85
Views: 10445

Re: Didn't Pay Off the Mortgage Today

Grabiner, I got 6% from the portion I bolded. You said hold a mortgage while investing in a bond portfolio generating 1K/month for less than 200K invested. That seems unrealistic in current rate world. That is not a 6% yield, because you would deplete the portfolio over time, ending the withdrawals...
by fanmail
Tue Jun 14, 2016 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Didn't Pay Off the Mortgage Today
Replies: 85
Views: 10445

Re: Didn't Pay Off the Mortgage Today

Grabiner, I got 6% from the portion I bolded. You said hold a mortgage while investing in a bond portfolio generating 1K/month for less than 200K invested. That seems unrealistic in current rate world.
by fanmail
Tue Jun 14, 2016 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Didn't Pay Off the Mortgage Today
Replies: 85
Views: 10445

Re: Didn't Pay Off the Mortgage Today

If I die with a mortgage, I'll still be happy. The problem with retiring with a mortgage (and keeping until you die) is that this increases your required investments for retirement MORE than the loan itself (assuming you're going by the 4% rule). The 4% rule assumes inflation-adjusted withdrawals, ...
by fanmail
Sun Jun 12, 2016 8:03 am
Forum: Investing - Help with Personal Investments
Topic: I need some help to understand why I should invest in bonds at such a young age
Replies: 235
Views: 19627

Re: I need some help to understand why I should invest in bonds at such a young age

Lackey said what I was going to say much more eloquently. In particular, the Japanese and other markets which did not and are not following the 'stocks always recover' rule. There are some macro factors that make the US different from Japan/Italy/Greece etc, but stocks don't always win in the long r...
by fanmail
Thu Jun 09, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 12002

Re: Crazy housing market

The demand in Seattle is a byproduct of very high population growth and very high economic growth/job growth. There are many people moving there and a lot of them are for good, high paying jobs. Thus demand is outstripping supply and prices are rising rapidly while inventory stays very low. That's ...
by fanmail
Sun May 29, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: What % of salary should be allocated to rent for college grad?
Replies: 13
Views: 1608

Re: What % of salary should be allocated to rent for college grad?

Darling son.

OP, please try to avoid touching the inheritance if you can.
by fanmail
Sun May 29, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 72
Views: 7397

Re: Which HBO show to watch next?

Boardwalk Empire would probably be worth your time as well.