Search found 2848 matches

by sambb
Sun May 24, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 54
Views: 6330

Re: Toyota 4 Runner

How is 4Runner to daily drive on regular roads. How is it in the rain with 4wd
by sambb
Sun May 24, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 54
Views: 6330

Re: Toyota 4 Runner

i drove one, and liked it, but no blind spot monitor for some reason
by sambb
Sat May 16, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Honda Ridgeline
Replies: 17
Views: 2434

Re: Honda Ridgeline

Does it fit in the garage? Is it reliable?
by sambb
Wed May 06, 2020 4:46 am
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 55
Views: 1882

Re: Can't login to Vanguard website

same... terrible
by sambb
Sat Apr 25, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Build wealth or enjoy a vivid life?
Replies: 9
Views: 1138

Re: Build wealth or enjoy a vivid life?

im so glad that i didnt always contribute to my 401k in my 20s, and instead traveled to europe, trips with girlfriends and friends, etc. And would do it over again. So what if had more in my retirement acct. So glad that i blew that money back then.
by sambb
Sun Apr 19, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: 2020 Highlander - any owners
Replies: 40
Views: 3148

2020 Highlander - any owners

Hi any owners? Do you like it? Hybrid? Trim level?
by sambb
Sun Apr 12, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: turbotax - first timer
Replies: 5
Views: 296

Re: turbotax - first timer

premier is much cheaper on amazon as download than their website. any concerns about not buying from intuit?
by sambb
Sun Apr 12, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: turbotax - first timer
Replies: 5
Views: 296

turbotax - first timer

I always have used an accountant, but I have a simple tax situation, and was going to switch to turbotax. i have all my statements and tax forms. is turbotax updated for all the covid things, and, for the most part, is it ok to use it to file now, or do i wait until july?
by sambb
Sun Apr 05, 2020 9:08 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

dow might go to 18000 or 15000 if numbers spike back up . on the other hand, with new serology tests, things may improve. However, one cannot open borders either. Economic slowdown, prolonged, is inevitbale until vaccine maybe. Dow 10-15k would be with multiple outbreaks (like nyc happens again if a...
by sambb
Sat Apr 04, 2020 8:52 pm
Forum: Personal Investments
Topic: Blessed with a large bonus.. Save or Invest???
Replies: 37
Views: 3390

Re: Blessed with a large bonus.. Save or Invest???

half mortgage, half invest at your allocation - given volatility consider that over 4-6 weeks
by sambb
Sat Apr 04, 2020 8:39 pm
Forum: Personal Investments
Topic: Why Do So Many Recommend 70% - 100% Stocks?
Replies: 167
Views: 9512

Re: Why Do So Many Recommend 70% - 100% Stocks?

I wanted to get you guys' opinion on this. As you know from my prior posts I'm a relatively young investor (36) and it's a pet peeve of mine when people immediately default to telling me that I should be 70% to 100% in equities or I quote, unquote "will never retire". It just makes no sense to me a...
by sambb
Wed Apr 01, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: bogleheading my car, opinions please. From a Tesla to a Honda
Replies: 84
Views: 5384

Re: bogleheading my car, opinions please. From a Tesla to a Honda

make the trade and never look back. in a second.
by sambb
Mon Mar 30, 2020 9:31 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

well this looks like we can go much lower ...
by sambb
Mon Mar 30, 2020 9:02 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

What is the market effect of this: Is it a depression? Lets say we flatten the curve, and open things back up in June. Dow will be hit after 3 months of being down, but we start to rally. If we open the country back up, wont the virus just spread again? Then its a vicious cycle - daycares, schools, ...
by sambb
Sun Mar 29, 2020 7:06 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31204

Re: It's Not Different This Time

its not different anymore. But it was totally different. We had the rare case where a global pandemic of a contagious virus was happening and for a month ignored by the market, while an entire country of a billion people was shut down. Great lead up and warning signs. Now, too unpredictable. But bac...
by sambb
Sat Mar 28, 2020 10:47 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 6962

Re: Share what worked in your plan during the crisis

i took the advice of many here who saw a massive once-in-a-lifetime black swan problem in january and pulled back before the crash. will rebalance/reallocate depending on risk tolerance in the future at much lower prices than january 2020. worried more about health and welfare of the public than per...
by sambb
Sat Mar 28, 2020 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: 50% paycut after starting new job
Replies: 53
Views: 6844

Re: 50% paycut after starting new job

the job market is very different than a month ago.
by sambb
Sat Mar 28, 2020 5:39 pm
Forum: Investing - Theory, News & General
Topic: The end of cruise ships [cruise line stock prices]
Replies: 246
Views: 26076

Re: The end of cruise ships

hospitals cant stop viruses from spreading... do we really think thta cruise lines can do it with non-medical staff?
by sambb
Sat Mar 28, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

due to some real nice warnings on this site, several recognized the once-in-a lifetime increased risk and got out. although tempting to get back and hence have avoided the large downturn, one has to wonder if glbally things will be down for awhile in the us, we are going to go through some tough tim...
by sambb
Fri Mar 27, 2020 9:50 pm
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 155
Views: 20823

Re: Where's Warren Buffett During This Crisis?

he might not care or even know the long term implications.
by sambb
Fri Mar 27, 2020 9:48 pm
Forum: Investing - Theory, News & General
Topic: What does “the market already had it priced in” even mean?
Replies: 88
Views: 4091

Re: What does “the market already had it priced in” even mean?

if everything is priced in, then nothing is priced in. the volatility shows that "priced in" is meaningless. The virus was NOT priced in, and the skepticism caused many to move out in feb before it got bad. Im thankful for those that warned us, and saved some of us money. Wasnt priced in.
by sambb
Tue Mar 24, 2020 2:13 pm
Forum: Personal Investments
Topic: var annuity below pre tefra cost basis
Replies: 4
Views: 181

Re: var annuity below pre tefra cost basis

im sorry it is POST tefra cost basis
by sambb
Tue Mar 24, 2020 2:06 pm
Forum: Personal Investments
Topic: var annuity below pre tefra cost basis
Replies: 4
Views: 181

var annuity below pre tefra cost basis

I have a small variable annuity whcih dropped below the pre tefra cost basis. I assume no downside to closing the account, as there is no penalty or tax issue? It is with vanguard.
by sambb
Mon Mar 23, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

corporations are starting to discuss layoffs, and commercial real estate mortgage defaults. If country stays closed, cannot keep paying rent, salaries. if it takes 6-8 weeks of closure (or longer, as once you open, you can just have another outbreak) it will be tough If we become like Italy, where h...
by sambb
Sun Mar 22, 2020 9:17 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

stay the course doesnt always work - japan in the 1990s. Sometimes it is better to sell and lower your risk. But of course getting in at a low price is always good. Stay the course when the most populated country is shut down and there is an impending pandemic is probably not a good idea (feb). But ...
by sambb
Sun Mar 22, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

In times like these the blind faith of this community is more akin to a religious cult than a rational investment group. The sooner you see this, the sooner you'll realize there is a whole world of investment strategy that goes way beyond blindly buying and holding. I came to this conclusion at all...
by sambb
Fri Mar 20, 2020 8:46 am
Forum: Personal Investments
Topic: When to jump all in again?
Replies: 26
Views: 1661

Re: When to jump all in again?

CONGRATS to the OP. Nice work.
by sambb
Tue Mar 17, 2020 2:22 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

I see two issues here. First, all these lockdowns and shutdowns are a good attempt to slow down the spread of the virus, but for how long? Whether it’s two weeks or two months from now, unless you have a cure (vaccine), then the pandemic will start all over again once you lift the restrictions, ass...
by sambb
Tue Mar 17, 2020 1:48 am
Forum: Personal Investments
Topic: Who are getting excited with the plummeting market?
Replies: 100
Views: 10029

Re: Who are getting excited with the plummeting market?

I kept "dry powder" in the past 2 years and changed my asset allocation once Wuhan was locked down (I betrayed my boglehead religion, I'm sorry....) But at this moment, I am not excited AT ALL. The virus is spreading quickly (or finally they started testing it) in my state and I am extremely concer...
by sambb
Mon Mar 16, 2020 9:02 pm
Forum: Personal Investments
Topic: I need some (honest) reassurance of my portfolio
Replies: 31
Views: 2513

Re: I need some (honest) reassurance of my portfolio

its quite the loss. If you didnt see the risk last month, then at this point it might not be worth it to change. But if you feel that you have too much risk for your comfort level, then youll have to change
by sambb
Mon Mar 16, 2020 8:57 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

Thanks for the comments. There are opposing opinions. Some see a pandemic causing complete economic annihilation, and others see the flu. Yep, thats the point. Pandemics are rare, once in a lifetime maybe. Some saw the risk. The question is how low we can go.
by sambb
Mon Mar 16, 2020 7:03 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

] Many here warned about being near the market peak for months, if not years. It was hard to know whom to believe, and when. If someone keeps predicting a bear market, eventually they'll be right. You don't need a Nobel Prize to know that. -------------------- Good point, but thats not what im speak...
by sambb
Mon Mar 16, 2020 4:17 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

many here warned that there was increased risk,not accounted for, and not to dismiss it. It looks like we are headed for dow 15000. Does anyone feel it will stop in the high teens, or are we headed to 15000. There still isnt testing in the usa that is widespread to stop this black swan. Terrible fin...
by sambb
Sun Mar 15, 2020 9:15 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

Are there are other threads for epidemiology? Getting back to the market. When i look back at some of the threads from jan and feb, it was clear that this was totally underestimated as a RISK to one's capital or one's allocation. This caused divergence where the sudden economic impact was largely ju...
by sambb
Sun Mar 15, 2020 5:34 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

I believe this thread is for the market related issues. The fed's rate cuts, and increased testing at the pence news conference point to good moves, but the market is still reacting with lower futures. It appears that even with these risk lowering items, the market continues to point to risk that ha...
by sambb
Sun Mar 15, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

From an investing perspective, a good illustration of why the effects of this pandemic will likely be worse than needed. Some are *not* taking this seriously and this will have effects on the healthcare system and the economy: Video on Twitter of folks defiantly partying down in a crowded club, wit...
by sambb
Sun Mar 15, 2020 7:50 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

I was more optimistic. However, now we are several days from federal intervention, and we are still unable to test people in a widespread fashion, which has economic and market impact. In other words, this is an ongoing and unanticipated increased risk in the USA that is not present in italy, france...
by sambb
Sun Mar 15, 2020 7:05 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

the continued issues with regard to minimization of the impact here financially, tell me that we arent even close to a low. The major risk is that this is spreading and we dont know it. (with people talking about over reaction - but entire countries are shut down and the US is a few weeks behind in ...
by sambb
Sat Mar 14, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: An investing physician's view of the pandemic
Replies: 20
Views: 2331

Re: An investing physician's view of the pandemic

it is interesting how many on BH have minimized the risk of the disease from an investing and public health perspective, and i hope they are right.
by sambb
Sat Mar 14, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: An investing physician's view of the pandemic
Replies: 20
Views: 2331

Re: An investing physician's view of the pandemic

you cant stop an epidemic that cant be tested. soputh korea and china TESTED their people. There is virtually no testing in the USA. This has an effect of more people getting it and hence economic despair and market decreasing. we are not china or south korea. people coughing everywhere. no masks, n...
by sambb
Sat Mar 14, 2020 6:19 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190725

Re: Coronavirus and the market

fewer than 20000 peopel tested still!!!! this is going to mean a depression if they dont start. Market headed way lower in the next week or two if we cant test for the virus. this is looking bleak for a downturn again
by sambb
Fri Mar 13, 2020 7:10 pm
Forum: Investing - Theory, News & General
Topic: Is it time to GET OUT?
Replies: 125
Views: 10722

Re: Is it time to GET OUT?

It was time to get out at Dow 29000 (new virus unleashed on humanity, large risk, china shut down, but the west not doing much except for worrying about a cruise ship) , and many threads here warned it, and there was lots of risk. Much harder to say right now. Already down. Risk lowered, as the mark...
by sambb
Fri Mar 13, 2020 5:45 am
Forum: Investing - Theory, News & General
Topic: Market Timing - Should we have seen this coming?
Replies: 67
Views: 3828

Re: Market Timing - Should we have seen this coming?

yes, it was an obvious increase in risk. it was seen clearly by many. some rebalanced to lower stock due to risk. others didnt see increased risk. hope the market comes back and everyone stays healthy. many people here saw this and acted.
by sambb
Thu Mar 12, 2020 11:02 pm
Forum: Investing - Theory, News & General
Topic: Chinese stocks will plunge on Monday?
Replies: 158
Views: 11053

Re: Chinese stocks will plunge on Monday?

yes its a global thing
by sambb
Thu Mar 12, 2020 8:27 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

If the market does not price in a shutdown of the U.S like we see in Italy or Norway now, I will become a market timer after all this is over :D Me too! I'm really shocked that the market was so inefficient :shock: Nothing was priced in, literally nothing. We knew that corona case numbers will incr...
by sambb
Thu Mar 12, 2020 2:47 am
Forum: Personal Investments
Topic: Moving against a multi-month downturn
Replies: 58
Views: 2736

Re: Moving against a multi-month downturn

I just started investing the end of December 2019. I have 70% Total Stock, 10% Int'l Stock, 20% Total Bonds. As of today I'm seeing -12.5% total returns, and after looking over all the news about the pandemic I'm convinced I'll be looking at -30% at the bottom. From all the back-testing I've resear...
by sambb
Thu Mar 12, 2020 1:50 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

this was one of the rare times when the data was obvious and NOT factored into the market for weeks. Some people read the situation and knew we were going down. good for them. This. Seemed completely obvious weeks ago. I moved everything to cash, only time I've sold equities in 20 years. It was one...
by sambb
Wed Mar 11, 2020 9:10 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

this was one of the rare times when the data was obvious and NOT factored into the market for weeks. Some people read the situation and knew we were going down. good for them.
by sambb
Wed Mar 11, 2020 8:48 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296692

Re: Coronavirus and the market

NBA suspends season
europe travel over
universities cancel classes to move online
poor testing in the usa
advice here last month and in jan, from some, was "stay the course" and that this was a "flu".
now dow futures down 700. market might see 20k if things get worse.

or... is this the bottom...