Search found 466 matches

by RubyTuesday
Thu Apr 30, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24343

Re: IRS Get My Payment up and running

My experience follows... Filed 2019 taxes MFJ on Apr 1 and owed, paid from bank acct EFT. Checked “get my payment” Apr 15 and was eligible for stimulus but they needed my direct deposit info (didn’t use acct that I paid 2019 from) Provided direct deposit info and “Get my payment” said it would be up...
by RubyTuesday
Thu Mar 26, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31221

Re: It's Not Different This Time

I’ve:

1) tax loss harvested without changing asset allocation
2) did 1 again
3) worried a lot
4 ) stopped watching financial news
by RubyTuesday
Tue Mar 17, 2020 9:48 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

According to https://www.worldometers.info/coronavirus/country/us/, of the 4576 active US cases, only 12 are serious, the rest are mild. Can that be true? I would like to know more about the active cases. For example, the number is growing rapidly but the death rate is not growing at a rate that ma...
by RubyTuesday
Mon Mar 16, 2020 1:42 pm
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 27565

Re: Where is Livesoft!?

blackburnian wrote:
Mon Mar 16, 2020 11:22 am
Livesoft is back, but maybe not for long. viewtopic.php?p=5100618#p5100618
I am very pleased to see this.

:D
by RubyTuesday
Mon Mar 16, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Coronavirus - Helping Others
Replies: 19
Views: 1370

Re: Coronavirus - Helping Others

My DW is thinking we should buy gift cards from local restaurants that we fear may struggle during this pandemic. Clearly if they still go under, it will be a waste. Could buying gift cards in amounts equivalent to a couple of months‘ worth of eating out be helpful? Seems like this would only be mea...
by RubyTuesday
Mon Mar 16, 2020 8:15 am
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3506

Re: Fly or Drive to FL?

We decided to cancel. I have to admit it was tempting just to fly because plane tickets dropped down below $99 one-way which was a HUGE savings from what we paid. It was hard to tell the kids, but 2 of them live in the moment and took it in stride, my oldest (who looks forward to things more) was k...
by RubyTuesday
Mon Mar 16, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3506

Re: Fly or Drive to FL?

I would not go. I would feel a responsibility to: - help my parents understand to take socially distancing seriously - teach my children to take social distancing seriously - not infect my parents - not needlessly expose my kids and wife - not teach my children that National Emergencies and States o...
by RubyTuesday
Sun Mar 15, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29413

Re: Deploying your emergency fund to buy stocks? Think again.

Great thread Will. While everyone’s definition of EF is different, it would be ill-advised to place any EF in the market regardless of your thoughts on market movements. This is by definition an emergency (the US president and most if not all governors have declared such). You very well may need the...
by RubyTuesday
Sun Mar 15, 2020 8:10 pm
Forum: Investing - Theory, News & General
Topic: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
Replies: 117
Views: 9605

Re: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]

on the overall amount of 2022 or 2023 corporate earnings? Outside of an industry like cruise ships, I don’t see this having a material impact long term. If so, why does the market/investors care so much? I get that we are going to have a bad quarter or two, maybe even longer, but long term I see th...
by RubyTuesday
Sun Mar 15, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296892

Re: Coronavirus and the market

https://www.washingtonpost.com/graphics/2020/world/corona-simulator/ Interesting visuals to see why social distancing is important to slow the spread. One key component here is whether or not a survivor can be reinfected. If no reinfection, it looks like this thing can be contained so long as socia...
by RubyTuesday
Sun Mar 15, 2020 10:33 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

Best visualization I've seen so far on what flattening the curve actually means https://www.washingtonpost.com/graphics/2020/world/corona-simulator/ That was outstanding. Agree, very well done. Even with something much worse than Coronavirus (the simulation virus has 100% chance of infecting if the...
by RubyTuesday
Sat Mar 14, 2020 10:16 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

This is also very good YouTube video by New England Complex Systems Institute President Yaneer Bar-Yam

What should business do in response to the Corona outbreak?
by RubyTuesday
Sat Mar 14, 2020 9:58 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

Interesting YouTube chat by Taleb and Bar-Yam, though Taleb’s interruptions are annoying.

Why it's better to panic early: Nassim Nicholas Taleb & Yaneer Bar-Yam
by RubyTuesday
Fri Mar 13, 2020 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Scammed By Fake TurboTax Tech Support
Replies: 22
Views: 1996

Re: Smelling a Rat with TurboTax Tech Support

Care to share the number you called? Perhaps someone could confirm its a scam or correlate it with other reports. Here is the url: https://1800liveperson.com/turbotax/ No idea if it is an actual hack vector, or just a scam, but I wouldn’t risk it. I would check for viruses, exploits, etc. sorry, no...
by RubyTuesday
Fri Mar 13, 2020 6:10 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

Yesterday, ~1700 cases in US. With 30% increase, I expected 2210 cases today. US now has at least 2240* cases today per: https://coronavirus.1point3acres.com/en *(they report 2238, but only have 2 for Missouri and MO now has 4). Prediction for tomorrow, 2912. For some reason, the Johns Hopkins dash...
by RubyTuesday
Fri Mar 13, 2020 6:07 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

RubyTuesday wrote:
Fri Mar 13, 2020 6:05 pm
Yesterday, ~1700 cases in US.

With 30% increase, I expected 2210 cases today.

US now has at least 2240* cases today per:

https://coronavirus.1point3acres.com/en

*(they report 2238, but only have 2 for Missouri and MO now has 4).
Prediction for tomorrow, 2912.
by RubyTuesday
Fri Mar 13, 2020 6:05 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

Yesterday, ~1700 cases in US.

With 30% increase, I expected 2210 cases today.

US now has at least 2240* cases today per:

https://coronavirus.1point3acres.com/en

*(they report 2238, but only have 2 for Missouri and MO now has 4).
by RubyTuesday
Fri Mar 13, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Scammed By Fake TurboTax Tech Support
Replies: 22
Views: 1996

Re: Smelling a Rat with TurboTax Tech Support

Thanks Hyperchicken. I think you are correct that I got a scam phone number online. I just tried again to reach TurboTax and the protocol seems consistent with what I did in the past. Glad I did not fall for the money transfer. Waiting for TurboTax to call me back now. And have computer turned into...
by RubyTuesday
Fri Mar 13, 2020 4:51 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

sorry for not scrolling through all 34 pages of this thread, but I haven't heard too much about how the weather will affect transmission? Apparantly no one in south florida has the virus except for those that brought it in from colder areas. Temps have been extremely warm in S florida (low-mid 80's...
by RubyTuesday
Fri Mar 13, 2020 10:14 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

sorry for not scrolling through all 34 pages of this thread, but I haven't heard too much about how the weather will affect transmission? Apparantly no one in south florida has the virus except for those that brought it in from colder areas. Temps have been extremely warm in S florida (low-mid 80's...
by RubyTuesday
Fri Mar 13, 2020 9:56 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

sorry for not scrolling through all 34 pages of this thread, but I haven't heard too much about how the weather will affect transmission? Apparantly no one in south florida has the virus except for those that brought it in from colder areas. Temps have been extremely warm in S florida (low-mid 80's...
by RubyTuesday
Fri Mar 13, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12397

Re: Are you still going to the gym ...

Also, people are not thought to be contagious when they are not showing symptoms Don’t believe that is accurate. From Harvard Medschool’s resource page: https://www.health.harvard.edu/diseases-and-conditions/coronavirus-resource-center When are people most contagious? People are thought to be most ...
by RubyTuesday
Fri Mar 13, 2020 9:23 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

Johns Hopkins posts data on infections worldwide, including the US. As of this posting, 1701 infected and 40 deaths in US. https://gisanddata.maps.arcgis.com/apps/opsdashboard/index.html#/bda7594740fd40299423467b48e9ecf6 It's easy to show low numbers if your testing capacity is extremely limited. A...
by RubyTuesday
Fri Mar 13, 2020 8:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633372

Re: U.S. stocks in free fall

Congress Nears Stimulus Deal With White House as Wall Street Suffers Rout oh ok, you mean like the previous stimulus that caused the market to go up for exactly 15 minutes? :D That was monetary this is fiscal. And this fiscal will likely target things that may help mitigate the spread and effect of...
by RubyTuesday
Fri Mar 13, 2020 6:57 am
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25895

Re: Who is staying course and how are you dealing with net worth going down?

I don't know if this counts as staying the course, but I am throwing huge amounts of cash in the market and watching it evaporate! I was 100% cash - 0% stocks at the start of 2020, and have been throwing money into stocks. It is strangely exciting - in a masochistic sort of way - to see your money ...
by RubyTuesday
Thu Mar 12, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633372

Re: U.S. stocks in free fall

Guess more TLH to come today.

Need to update spreadsheet and see if I’m finally at rebalance band.
by RubyTuesday
Thu Mar 12, 2020 7:22 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296892

Re: Coronavirus and the market

I just don't get it. Isn't the further spread and possible shutdown of whole industries already priced in? I mean what's expectation from the market? That the amount of infected people will suddenly drop and we're back to the usual by May 2020? Hysterical people reading more hysterical headlines Th...
by RubyTuesday
Thu Mar 12, 2020 6:50 am
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14071

Re: How many people with 7 figure portfolios are”rejoicing ?”

Not rejoicing, and concerned for friends and family at risk both financially and health wise.
by RubyTuesday
Wed Mar 11, 2020 10:10 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

I thought this was a very informative interview. For anyone who is an infectious disease expert, would be curious to hear your thoughts on this: https://www.youtube.com/watch?v=E3URhJx0NSw&feature=share&fbclid=IwAR1GPuPtuqX4wOYBcI__FCDVzSoCaRE6NG359UjfBpXTvQ1UJsG9vtXVNjU Can’t say enough good thing...
by RubyTuesday
Wed Mar 11, 2020 8:29 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

Tom Hanks and Rita Wilson have covid-19.

The Oscar-winning actor said he and his wife, Rita Wilson, had tested positive while in Australia, where he is set to begin production on a film.
by RubyTuesday
Wed Mar 11, 2020 7:58 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

President Trump to address Nation on Coronavirus at 9pm ET.

Wonder if he will do it alone, or have Fauci and other credible specialists involved.

Will be interesting to see how futures markets react.
by RubyTuesday
Wed Mar 11, 2020 6:30 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

Nice article from Vox.com (political site but article is free of that). It is on how handwashing destroys covid-19. https://www.vox.com/science-and-health/2020/3/11/21173187/coronavirus-covid-19-hand-washing-sanitizer-compared-soap-is-dope Great and reassuring article. Beer has a ton of surfactants...
by RubyTuesday
Wed Mar 11, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633372

Re: U.S. stocks in free fall

I will say I think that qualifies as a really bad day. Well. My entire stash of VTIAX has gone negative. I have about $1,500 of losses to harvest. Unless tomorrow's another one of those swing days, I finally have a trigger to do something. It's we're in a every-other-day-is-a-RBD kind of time. Same...
by RubyTuesday
Wed Mar 11, 2020 4:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633372

Re: U.S. stocks in free fall

If this goes south for awhile, I wonder how many FIRE bloggers will disappear... I'm not a blogger and we currently work part time. According to Cfiresim, as of today: If we continue part time work for 2 more years with no change in spending we have a 92.73% success rate. If we are willing to adjus...
by RubyTuesday
Wed Mar 11, 2020 3:40 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190936

Re: Bogleheads community discussion - Coronavirus

I'm curious, why is Italy getting hammered so badly? The new deaths in Italy I heard reported today are eye-popping. Is the surge in the number of deaths an early warning to the EU/first world countries? Broken Man 1999 Their health system is overwhelmed, and they are rationing care. In other words...
by RubyTuesday
Wed Mar 11, 2020 3:32 pm
Forum: Personal Investments
Topic: Vanguard - Emergency Procedures for Coronavirus
Replies: 14
Views: 1324

Re: Vanguard - Emergency Procedures for Coronavirus

Sorry if this question has already been asked. I am a longtime vanguard investor and I have NOT seen any statement from Vanguard on how they would handle customer inquiry and/or transactions if they have an issue in one of the Vanguard offices? For example, if someone comes into the office who has ...
by RubyTuesday
Wed Mar 11, 2020 3:15 pm
Forum: Personal Investments
Topic: Vanguard - Emergency Procedures for Coronavirus
Replies: 14
Views: 1324

Re: Vanguard - Emergency Procedures for Coronavirus

Sorry if this question has already been asked. I am a longtime vanguard investor and I have NOT seen any statement from Vanguard on how they would handle customer inquiry and/or transactions if they have an issue in one of the Vanguard offices? For example, if someone comes into the office who has ...
by RubyTuesday
Wed Mar 11, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question about selling a trust asset (condo) to a trust beneficiary
Replies: 31
Views: 778

Re: Question about selling a trust asset (condo) to a trust beneficiary

Seems like a tricky situation as the trustee has a fiduciary responsibility to the beneficiaries, to get the best value. Successor trustee wanting to buy puts trustee in potential conflict with beneficiaries, especially if it hasn’t been marketed or professionally appraised. Yes, of course he does,...
by RubyTuesday
Wed Mar 11, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Question about selling a trust asset (condo) to a trust beneficiary
Replies: 31
Views: 778

Re: Question about selling a trust asset (condo) to a trust beneficiary

Seems like a tricky situation as the trustee has a fiduciary responsibility to the beneficiaries, to get the best value. Successor trustee wanting to buy puts trustee in potential conflict with beneficiaries, especially if it hasn’t been marketed or professionally appraised.
by RubyTuesday
Wed Mar 11, 2020 1:53 pm
Forum: Personal Investments
Topic: officially bear market ...
Replies: 77
Views: 7074

Re: officially bear market ...

Dow appears down over 20%, S&P still slightly above bear territory
by RubyTuesday
Wed Mar 11, 2020 11:05 am
Forum: Investing - Theory, News & General
Topic: Any evidence that returns are greater after sudden drop?
Replies: 101
Views: 6097

Re: Any evidence that returns are greater after sudden drop?

to my intuition, it seems to me if the market is generally rising, albeit in a noisy and volatile manner, the average long term return after a significant drop has to be greater than the average long term return. Seems like math... but my intuition isn’t what it used to be. Not necessarily. If retu...
by RubyTuesday
Wed Mar 11, 2020 9:07 am
Forum: Personal Investments
Topic: Assuming taxation isn't an issue, can market timing beat buy & hold?
Replies: 15
Views: 996

Re: Assuming taxation isn't an issue, can market timing beat buy & hold?

Also, many things seem easier when using “play money” too. I don’t think you will consistently win whether it’s play money or not, but if it becomes real, meaningful, house payment/retirement/kids education/money, it will add pressure that will make it really challenging to manage. So IMHO, it’s a b...
by RubyTuesday
Wed Mar 11, 2020 8:49 am
Forum: Personal Investments
Topic: Assuming taxation isn't an issue, can market timing beat buy & hold?
Replies: 15
Views: 996

Re: Assuming taxation isn't an issue, can market timing beat buy & hold?

Sure, average joe can beat all the other average joes, including the PhD mathematicians, economists, behavioral economists, with their super computers sitting at the exchange... He could also flip a fair coin and have it land heads 100x in a row, but I wouldn’t bet much on it. There’s a saying in po...
by RubyTuesday
Wed Mar 11, 2020 7:07 am
Forum: Personal Investments
Topic: With market down, can you move from bonds to stock in 401K? and TLH in taxable?
Replies: 14
Views: 1044

Re: With market down, can you move from bonds to stock in 401K? and TLH in taxable?

I just did basically what you suggest,,,

Harvest loss by selling VTIAX in taxable.
Exchange TIPs fund for VFWAX in trad IRA.
Use some of the funds harvested from VTIAX to buy annual allotment if series I bonds

End of day same (essentially) AA, with short term tax loss.
by RubyTuesday
Tue Mar 10, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Any evidence that returns are greater after sudden drop?
Replies: 101
Views: 6097

Re: Any evidence that returns are greater after sudden drop?

If the market is at 100 one day and then falls to 80, you are better off buying at 80. This is true whether at your retirement date the market climbs to 500 or falls to 20. Its just math. This is another useless comparison. Yes, after you have observed a drop , you can say it was better to buy afte...
by RubyTuesday
Tue Mar 10, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: Any evidence that returns are greater after sudden drop?
Replies: 101
Views: 6097

Re: Any evidence that returns are greater after sudden drop?

2) to my intuition, it seems to me if the market is generally rising, albeit in a noisy and volatile manner, the average long term return after a significant drop has to be greater than the average long term return. Seems like math... but my intuition isn’t what it used to be. Lets look at the long...
by RubyTuesday
Tue Mar 10, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: Any evidence that returns are greater after sudden drop?
Replies: 101
Views: 6097

Re: Any evidence that returns are greater after sudden drop?

Two thoughts: 1) are you using price data or total return? Return 2) to my intuition, it seems to me if the market is generally rising, albeit in a noisy and volatile manner, the average long term return after a significant drop has to be greater than the average long term return. Seems like math.....
by RubyTuesday
Tue Mar 10, 2020 2:45 pm
Forum: Investing - Theory, News & General
Topic: Any evidence that returns are greater after sudden drop?
Replies: 101
Views: 6097

Re: Any evidence that returns are greater after sudden drop?

to my intuition, it seems to me if the market is generally rising, albeit in a noisy and volatile manner, the average long term return after a significant drop has to be greater than the average long term return. Seems like math... but my intuition isn’t what it used to be. Not necessarily. If retu...
by RubyTuesday
Tue Mar 10, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard First Quarter 2020 distribution schedule
Replies: 26
Views: 1629

Re: Vanguard First Quarter 2020 distribution schedule

Doesn’t appear to have March distributions scheduled yet.