Search found 55 matches

by origami
Thu Apr 16, 2020 7:02 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97026

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

Keenobserver wrote:
Thu Apr 16, 2020 6:55 pm
If OP actually did ad described, i would say he did ok. I would take that.
The results could be OK (depending on what he does with the rest of the money), but I think it illustrates that he has no plan and no insights and keeps making moves based on his mood.
by origami
Thu Apr 16, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97026

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

I have nothing against the OP, just a short summary (I could be wrong, not gonna re-read the full thread carefully): Early February: OP goes from 75/25 to 50/50; Sets a timer to get back in the market by the end of March; Days later he says that his end of March come back date is 3/20 (it's hard to ...
by origami
Thu Apr 16, 2020 2:44 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97026

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

ValuationsMatter, we have different opinions which is fine. I've heard arguments like yours before and they don't convince me because I trust the counterarguments more. The bottom line is you believe that you have special skills, you are "1 in 20" (arbitrary number, but unimportant) - otherwise why ...
by origami
Thu Apr 16, 2020 12:30 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97026

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

Hustlinghustling » Wed Mar 25, 2020 10:52 pm One of the wrong conclusions people come to off the back of BH philosophy is that timers never win. That's patently false. Timers in long run usually don't beat the market, but in the short-term - even by BH principles - anything is fair game. It's obvio...
by origami
Mon Apr 06, 2020 2:23 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97026

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

... the OP has been slowly getting back in as planned ... I haven't seen any evidence that OP got back in. Last time we heard from him was on March 26th, and at that time he was still doing DCA back in. He also made a few new predictions that the market has more room to go down another 15%-20%, don...
by origami
Mon Apr 06, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97026

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

thx1138 wrote:
Thu Apr 02, 2020 8:40 am
... the OP has been slowly getting back in as planned ...
I haven't seen any evidence that OP got back in.
by origami
Wed Feb 12, 2020 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 160
Views: 51902

Re: Is the first 100k really the hardest?

Haha, apparently I'm more of a runner than an investor cause 100k only means a 100 kilometers race to me. And - no, the first 100k run doesn't have to be the hardest :happy
by origami
Wed May 15, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Fair price for new Subaru Outback?
Replies: 20
Views: 3123

Re: Fair price for new Subaru Outback?

tainted-meat wrote:
Tue May 14, 2019 3:29 pm
Looks like a good price to me. Those are popular cars so I'm surprised you got that much of a discount.
As already mentioned here Outback is redesigned for 2020.
by origami
Thu May 02, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 7599

Re: Giving two week's notice before stock options vest

Post by investingdad » Thu May 02, 2019 12:04 pm Give 2 weeks notice day after they vest, if they walk you out, perfect. Take all the vacation you have immediately after giving notice. Start new job on time. This It could easily be illegal to have two full time jobs at the same time. People just lo...
by origami
Thu May 02, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: The goal of achieving FI
Replies: 41
Views: 3873

Re: The goal of achieving FI

I was reading Napoleon Hill and he says I should come out with a definite purpose, a goal to pursue and achieve by 50 (or 55, 65). His elaboration turns out to be like "I want to be a lawyer, salesman, professor etc." sort of outcome. Thankfully, financial independence is also mentioned as one of t...
by origami
Thu May 02, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 7599

Re: Giving two week's notice before stock options vest

From my experience no publicly traded tech company (in Seattle) would fire an employee on the spot to save $20K in stocks. Companies don't even ask to pay back signing bonuses (often larger than $20K) if you join and then leave after the first paycheck (and according to the contract the bonus is usu...
by origami
Fri Jan 04, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 153
Views: 9570

Re: What Do You Spend The Most On Annually?

According to my categories in Mint:

1. Fitness
2. Outdoors
3. Travel
4. Housing
by origami
Wed Nov 04, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: Is a $100 drip coffee machine significantly better than a <$50?
Replies: 57
Views: 8812

Re: Is a $100 drip coffee machine significantly better than a <$50?

French Press?
It takes less space, is cheaper and coffee tastes arguably better.
You would need a way to heat the water (stove top or electric kettle?).
To keep coffee warm you can use a thermos - it doesn't affect the taste like slow burning does.
Kettle/french press work great for loose tea as well.
by origami
Fri Sep 11, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mint.com users - what are your favorite features ?
Replies: 10
Views: 1462

Re: Mint.com users - what are your favorite features ?

Tracking all transactions in one place and charts of expenses/income/net worth by time and by category.
by origami
Thu Sep 03, 2015 1:10 pm
Forum: Personal Investments
Topic: why tax loss harvest if you reset clock on long term holding??
Replies: 8
Views: 954

Re: why tax loss harvest if you reset clock on long term holding??

Can I ask a somewhat related question? ) I'm new to it, but right now seems like a good time to do TLH (if ever). What's the best way: Should I sell short term losses, long term losses or everything with a loss? What is the difference from TLH point of view between short term and long term? I use Ch...
by origami
Wed Aug 12, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Good way to assess expenses?
Replies: 9
Views: 1365

Re: Good way to assess expenses?

I use mint for 5 years and love it.
You can enter transactions manually, but it's obviously more work.
by origami
Wed May 27, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Saving on large purchases
Replies: 12
Views: 2987

Re: Saving on large purchases

By buying a $1800 table for $1020 you're not saving $780. You're spending $1020.

My tip would be to stop visiting the stores, shopping for coupons and searching for deals. Less marketing - more happiness.
by origami
Thu Feb 05, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: $36,000 Net Budget
Replies: 22
Views: 5280

Re: $36,000 Net Budget

35 M / Single Assets $180,000 - primary residence $418,000 - other assets Liabilities $0 Monthly Net Income (after tax): $9,700 $330 - housing (property tax, insurance, hoa) $330 - food (groceries + restaurants) $290 - travel $250 - health/fitness/outdoors $170 - auto (gas, insurance, registration, ...
by origami
Thu Dec 04, 2014 2:51 pm
Forum: Investing - Theory, News & General
Topic: Has anyone seen this? Rich By Friday News Letter
Replies: 15
Views: 4913

Re: Has anyone seen this? Rich By Friday News Letter

rentonhighlands wrote:He explains a great investing strategy is to invest in dividend paying stocks that increase the dividend year over year. I know it sounds risky but it makes sense.
Any thoughts?
What does make this investment strategy "great" and why does it "make sense"?
by origami
Thu Sep 25, 2014 1:23 pm
Forum: Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 3865

Re: Buy today or stick to plan?

Honestly, with the amounts like that and one week difference it just doesn't matter.
Know why you're doing what you're doing, don't try to time the market, and keep investments long term.
by origami
Tue Sep 09, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 4866

Re: Poll: Which iPhone 6?

The most popular option is missing from the poll: Neither.
by origami
Thu Jul 03, 2014 1:23 pm
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 5018

Re: [Poll] If all active funds have ER= 0.05%, will you buy

stevewolfe wrote:... I'm sure folks here would love to pay 0.05% for Wellington and Wellesley or Pimco Total return ...
No, not at all. I wouldn't buy them with 0% ER.
I'm really surprised with the number of yes votes. I guess gambling is more popular than I thought.
by origami
Wed Jul 02, 2014 10:09 am
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 12397

Re: How are you doing through the first half of 2014?

What is the purpose of this thread? )
by origami
Wed Apr 30, 2014 11:43 am
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 6556

Re: Purchasing first smartphone, need advice

If funds permit, always go with current technology when buying a smartphone... As a Boglehead you should know better than to pay premium for the hype around the latest model. IMHO, there is no significant difference in feature set among last three generations or so of the smartphones (of course it ...
by origami
Thu Feb 20, 2014 12:12 pm
Forum: Investing - Theory, News & General
Topic: Warning about P2P Lending [Peer-to-Peer]
Replies: 42
Views: 11536

Re: Warning about P2P Lending [Peer-to-Peer]

I'm also making 13%+ (adjusted) after 4 years with Lending Club. In the last year they had a problem where it was really hard to obtain the loans which would satisfy my criteria, but after they rolled out Prime it became much better (it still takes long time to invest money, but at least it happens ...
by origami
Mon Feb 03, 2014 1:47 pm
Forum: Investing - Theory, News & General
Topic: Tell me I did the right thing
Replies: 23
Views: 3393

Re: Tell me I did the right thing

I would sell before Q4 report.
by origami
Fri Jan 24, 2014 1:45 pm
Forum: Investing - Theory, News & General
Topic: Glad I own bonds today!
Replies: 56
Views: 5997

Re: Glad I own bonds today!

"A day like this" is just a regular day and not a reminder on anything.
But if it makes you glad it's great :happy
by origami
Wed Jan 22, 2014 1:36 pm
Forum: Personal Consumer Issues
Topic: Thinning the Herd - what do you do with unwanted DVDs?
Replies: 69
Views: 5782

Re: Thinning the Herd - what do you do with unwanted DVDs?

Price check on amazon. I sold everything in my DVD collection which was over $1 in just two weeks. It's amazing to me, but people still buy DVDs.
I donated everything under $1 to local used CD/DVD store.
by origami
Tue Dec 31, 2013 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 6610

Re: Credit Card Bonuses

ieee488 wrote:And where are the links to them?
They are either short time or personalized offers, you need to monitor the web to catch them, but I also wouldn't go for bonuses under $400.
I received $600 and $800 in 2013 and 60K miles per card with airlines.
by origami
Fri Dec 20, 2013 1:54 pm
Forum: Investing - Theory, News & General
Topic: Crystal ball time...EM in 2014?
Replies: 20
Views: 1812

Re: Crystal ball time...EM in 2014?

Are you saying there are still people on this forum who buy "cheap" and wait for something to "retest $36"? ;)
I have a number for EM in my AA and invest accordingly.
by origami
Tue Oct 29, 2013 10:57 am
Forum: Personal Finance (Not Investing)
Topic: verizon plans- and selling phones every two years
Replies: 23
Views: 2094

Re: verizon plans- and selling phones every two years

I sold many discounted phones I received from AT&T over the years for renewing my contract. I don't even unlock the phones, just sell them as AT&T phones online. Sometimes I do it even when I need a new phone myself, because you usually can make $200-400 (after all the fees and expenses) by selling ...
by origami
Tue Sep 17, 2013 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 13746

Re: I spend 6.1% of my Gross income on rent

I'm not rich, live in a fairly expensive city, no roommates, walk to work and I spend 2.6% of my gross income on housing (3% with utilities).
by origami
Thu Sep 12, 2013 11:44 am
Forum: Personal Consumer Issues
Topic: $1000 Espresso Machine
Replies: 13
Views: 2445

Re: $1000 Espresso Machine

Or you can drink great coffee from a $20 French Press or Moka Pot...
by origami
Mon Jul 08, 2013 4:25 pm
Forum: Investing - Theory, News & General
Topic: Why We Underestimate Risk by Omitting Time as a Factor
Replies: 26
Views: 3090

Re: Why We Underestimate Risk by Omitting Time as a Factor

The two situations addressed in the beginning of the article are not comparable in my mind. Losing one dollar is not a big deal because presumably one has significantly more than one dollar and can afford to lose 5 times out of 6 in order to come out ahead. You're only allowed to roll the dice once...
by origami
Tue Jul 02, 2013 1:48 am
Forum: Personal Finance (Not Investing)
Topic: Vacation accrual and retirement planning
Replies: 19
Views: 2176

Re: Vacation accrual and retirement planning

Bob's not my name wrote:I'm an immigrant.
And 4 weeks of vacation is a lot?
by origami
Mon Jul 01, 2013 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation accrual and retirement planning
Replies: 19
Views: 2176

Re: Vacation accrual and retirement planning

First, I know there's lots of hysterical journalism about how Americans get far less vacation than our role models the French, but not since early career have I had a job with insufficient vacation. In my new job I get four weeks' vacation... As a foreigner working in the US for 11 years I can tell...
by origami
Thu Jun 27, 2013 1:36 pm
Forum: Personal Consumer Issues
Topic: What are you seeing in your Local Housing Market?
Replies: 82
Views: 8031

Re: What are you seeing in your Local Housing Market?

In Seattle prices are noticeably up comparing to one-two years ago (one bedroom in downtown you could purchase for $140K is $190K now and sells fast). New construction is everywhere.
by origami
Thu Apr 11, 2013 4:03 pm
Forum: Personal Consumer Issues
Topic: Would appreciate Bogleheaded advice on a vehicle purchase
Replies: 48
Views: 4526

Re: Would appreciate Bogleheaded advice on a vehicle purchas

Install roof rack on the Altima and keep it?
by origami
Wed Mar 27, 2013 3:56 pm
Forum: Investing - Theory, News & General
Topic: % assets in retirement vs. non-retirement accounts?
Replies: 34
Views: 7753

Re: % assets in retirement vs. non-retirement accounts?

My opinion is that if you are concerned that money would be locked up in a 401(k) it isn't likely you would have enough to retire at 40 anyway. I'd max it out. You're right that this decision will not make too big of difference. I see it as a choice between two good options, no loosing scenario. Bu...
by origami
Wed Mar 27, 2013 3:39 pm
Forum: Investing - Theory, News & General
Topic: % assets in retirement vs. non-retirement accounts?
Replies: 34
Views: 7753

Re: % assets in retirement vs. non-retirement accounts?

A lot will depend on what you plan to do when you retire. If you plan to live modestly and will be in a low tax bracket, I would continue to pile funds into an deferred account. You will need to draw for it for a long long time before getting SS. Lots of years at 15% tax bracket withdrawals. But it...
by origami
Wed Mar 27, 2013 1:46 pm
Forum: Investing - Theory, News & General
Topic: % assets in retirement vs. non-retirement accounts?
Replies: 34
Views: 7753

Re: % assets in retirement vs. non-retirement accounts?

A related question, I keep changing my mind about it: Let's say I'm 30 years old and have enough saved in 401k already to retire at 59 1/2. In reality I plan to retire in 10 years (40 years old). Does it make sense to max out 401k payments? We have Vanguard funds available in 401k, funds selection i...
by origami
Wed Mar 13, 2013 11:09 am
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 32320

Re: What % of your income are you saving for retirement?

Lollytiger wrote:How do people calculate their savings rate?
I use mint.com.
by origami
Tue Mar 12, 2013 4:00 pm
Forum: Personal Investments
Topic: Bonds?
Replies: 11
Views: 1152

Re: Bonds?

Toons wrote:I am buying bonds monthly as the equity side of asset allocation keeps growing due to the rising stock market indices.Asset Allocation
I believe the most common approach is to rebalance once a year, not monthly ;)
by origami
Sat Mar 09, 2013 2:22 pm
Forum: Investing - Theory, News & General
Topic: What's going on with international?
Replies: 46
Views: 5927

Re: What's going on with international?

All I know is that I don't know the future... and that I'd like to avoid having all my assets invested in a single collapsing economy. So I've had no problems sticking with my 45/55 domestic/intl allocation. I do diversify across international/emerging markets, but to be fair many companies traded ...
by origami
Tue Feb 19, 2013 8:21 pm
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 8696

Re: Ready to buy a house....

My mortgage payment is half of the rent I would pay for the same place. Then for the love of [insert deity] buy up every such property you can find and arbitrage away this inefficiency in the market. Well, the monthly rent in this case will be about 1% of the property cost. It's not bad, but 1% is ...
by origami
Tue Feb 19, 2013 7:24 pm
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 8696

Re: Ready to buy a house....

Imperabo wrote:To me, the question is why buy a house at all if you don't plan on keeping it for many many years? Better to rent.
My mortgage payment is half of the rent I would pay for the same place.
by origami
Tue Feb 19, 2013 1:43 pm
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 32320

Re: What % of your income are you saving for retirement?

75% of after tax income. 33 years old. show your work I'm a full time employee and my salary has doubled in the last 5 years. I had to move to a more expensive city to achieve that, but I was saving money before the salary increase and I was saving money 10 years ago, when I was making four times l...
by origami
Tue Feb 19, 2013 1:33 pm
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 8696

Re: Ready to buy a house....

Also - a lot can change in the future. You may easily be required to move (because of the job or something else). In this case you overpay with no reason at all.
by origami
Tue Feb 19, 2013 1:30 pm
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 8696

Re: Ready to buy a house....

House characteristics: If this is your long-term house, think long term. If you think you will eventually have kids, buy enough space and in a neighborhood that feeds into a top school. It's a very common view. How do people rationalize it? Every day you live in a bigger house than you currently ne...