Search found 229 matches

by crake
Thu Dec 06, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8442
Views: 1662612

Re: U.S. stocks in freefall

So the Dow lost 5% in 2 days. How often does that ever happen? EXACTLY. Looks like I picked the worst of all possible times to retire. Glad I have several years of cash to live off of..in the meantime, it's brutal to watch my paper net worth plummet by big chunks, day in, day out. I think you might...
by crake
Tue Nov 20, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Side Business Idea feedback please: Road Warrior School
Replies: 8
Views: 978

Re: Side Business Idea feedback please: Road Warrior School

My personal opinion is that anyone motivated enough to take a 4 hour class on this subject would be more inclined to research this information on their own through the large network of blogs and websites that already cover this topic instead of paying a 200 dollar fee.
by crake
Tue Oct 23, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Google Finance YTD Return
Replies: 6
Views: 765

Re: Google Finance YTD Return

It shows as +1.27 (1.89%) Tue,Jan 2-Mon, Oct 22. You have to click on the far left to toggle the ytd return. Click the jan 2 point on the left, hold left click and drag to oct 22, to show the return for ytd Thanks! I didn't know you could do that. It seems like the 1.89% number you get from clickin...
by crake
Tue Oct 23, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Google Finance YTD Return
Replies: 6
Views: 765

Re: Google Finance YTD Return

If I look at VTSAX distributions in 2018 it has paid out 3. $0.27550 $0.29370 $0.34760 If I take your equation Total Return = Appreciation (change in share price) + Dividends (re-invested or sent to settlement account) - expense ratio Appreciation: 68.54-67.27=1.27 Dividends: 0.27550+0.29370+0.34760...
by crake
Tue Oct 23, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Google Finance YTD Return
Replies: 6
Views: 765

Google Finance YTD Return

In my investing spreadsheet I like to use the YTD return of certain index funds to benchmark my portfolio off of. I am finding that I must be missing something about how these YTD numbers are calculated. If I look at Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) google finance is cur...
by crake
Wed Oct 17, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3541

Re: Car servicing

Find a good local mechanic! A 2010 Civic shouldn't have needed anything but regular oil changes and a couple of brake fluid flushes by now. It may have come due for one radiator and transmission fluid change depending on how many miles you put on. Spark plugs may be coming up soon (105k) Spending m...
by crake
Wed Oct 17, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3541

Re: Car servicing

Find a good local mechanic! A 2010 Civic shouldn't have needed anything but regular oil changes and a couple of brake fluid flushes by now. It may have come due for one radiator and transmission fluid change depending on how many miles you put on. Spark plugs may be coming up soon (105k) Spending m...
by crake
Wed Oct 17, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3541

Re: Car servicing

Find a good local mechanic! A 2010 Civic shouldn't have needed anything but regular oil changes and a couple of brake fluid flushes by now. It may have come due for one radiator and transmission fluid change depending on how many miles you put on. Spark plugs may be coming up soon (105k) Spending m...
by crake
Sat Oct 13, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Idiotic questions from NEWB- please help
Replies: 14
Views: 1442

Re: Idiotic questions from NEWB- please help

Welcome. I'd recommend starting with reading the wiki: https://www.bogleheads.org/wiki/Main_Page After that if you want more info I'd reccomend the book "The Bogleheads Guide to Investing". Those two places have all the info you need to know. You're most likely not an idiot and purchasing the 4 mega...
by crake
Tue Oct 09, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3945

Re: How to get over paper loss?

I am someone who can agonize over lost money. Every purchase in my life I try to optimize as efficiently as possible and if I find an area where I wasted 20 bucks it can drive me mad. On the same day I am beating myself up over forgetting to use a coupon before it expired I am may be down a couple o...
by crake
Thu Oct 04, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Is it Really This Hard? (ACB, Annual Return, ETC)
Replies: 6
Views: 456

Re: Is it Really This Hard? (ACB, Annual Return, ETC)

If all you are wanting to do is track total annualized return of your portfolio what you are looking for is the XIRR function in excel. It is also available in Google Sheets. In order to use this function properly you have to keep track of all in flows and out flows for your portfolio and the dates ...
by crake
Tue Jul 10, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 5181

Re: 30 Year vs 15 Year Mortgage

I'll echo what everyone else has said: the interest paid is primarily driven by the amortization schedule, i.e. how long you take to pay back the loan. The interest has a surprisingly small impact. Putting some numbers to it... Right now, the spread between a 15 year vs a 30 year is ~0.25%. On a $3...
by crake
Wed Jun 20, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 2419

Re: Storing Sustenance for Disasters

I'll put in another vote for just eat what is in your pantry. There is probably enough food in my pantry to sustain my wife and I for about 4-6 weeks without even trying to stock pile food. We always have 5-10 pounds of flour, 5-10 boxes of pasta, 5-10 pounds of rice, and another 5-10 pounds of mixe...
by crake
Sat Mar 24, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Technical Analysis vs. Don't Try To Market Time
Replies: 28
Views: 2231

Re: Technical Analysis vs. Don't Try To Market Time

I know very, very little about technical analysis. I know that this little knowledge has not led me wrong thus far, maybe it's luck. How do you know this? Have you done a detailed compound annual growth calculation which takes into account every single one of your deposits/withdrawals and compared ...
by crake
Thu Mar 15, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save for your IRA Contribution?
Replies: 12
Views: 1292

Re: Where do you save for your IRA Contribution?

I'm going to guess the op maxed their IRA and are saving for the following year (2018 maxed and wondering where to stash 2019s contribution). We just direct taxable monthly savings towards iras at the beginning of the year instead of sitting on cash for any length of time. Once IRAs are maxed, we g...
by crake
Thu Mar 15, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save for your IRA Contribution?
Replies: 12
Views: 1292

Where do you save for your IRA Contribution?

I like to be able to fund my and my spouses IRA accounts fully on the 1st of the year. To enable this I've been taking excess money and sticking it in a bank account until it reaches 11,000 dollars. I am starting to wonder if I am leaving money on the table by doing this. This is money destined for ...
by crake
Sat Mar 10, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Amount saved by age
Replies: 58
Views: 9315

Re: Amount saved by age

Salary x years worked usually is about right after ten years or so. Wouldn't this imply you are either investing 100% of your salary or obtained extraordinary investment returns? If you make 100k per year and invest 50% of that you would need a 13% compound annual growth rate to achieve your metric.
by crake
Tue Mar 06, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Online customer review denied
Replies: 33
Views: 3942

Re: Online customer review denied

I had a similar issue on Amazon. I ordered a cell phone protective case, received a lady's wallet instead. When I tried to post that as a review, it got kicked out. One more reason I now look elsewhere to spend my hard-earned. That is because product reviews are supposed to be about the product. Se...
by crake
Thu Feb 15, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 11055

Re: Can someone help me explain to my wife...?

Sell her half. Keep your half. Compare in 40 years. Enjoy the 'I told you so' :) +1. Her risk tolerance is valid. So is yours. Generally men explaining stuff to women doesn't end well. I don't think this a question of risk tolerance, rather it is a question of market timing. There is a fairly broad...
by crake
Tue Feb 06, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: sell and wait for further drop on Tax-Advantaged accounts?
Replies: 8
Views: 619

Re: sell and wait for further drop on Tax-Advantaged accounts?

Because you don't know that stocks will ever be lower than they are today.

If you can successfully time the market it is pretty silly not to do this in your taxable accounts as well just to avoid a small amount of taxes on potentially endless gains.
by crake
Tue Feb 06, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 5388

Re: Keep your eye on the owner, not the dog

Data mining stats of the day* After a 5% decline, the market reached an all-time high 100% of the time. After a 10% decline, the market reached an all-time high 100% of the time. After a 20% decline, the market reached an all-time high 100% of the time. After a 50% decline, the market reached an al...
by crake
Wed Jan 24, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Leaving Financial Engines. Want to go heavy in international..
Replies: 15
Views: 1303

Re: Leaving Financial Engines. Want to go heavy in international..

Hi, After adding up the long-term cost of FE .6% cost, I am planning on canceling their management very soon. Woo-hoo! Once my 401(k) reigns are back in my hands, I'm considering setting a heavy international allocation of new contributions based on current P/E ratio of US and International stocks ...
by crake
Wed Jan 10, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 7963

Re: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?

Why retire at age 25, only to "survive" with 25k/year, instead of working a few more years and retire to a more comfortable lifestyle ? I'm pretty sure everyone on BH would be able to retire right now if only they moved to Somalia, yet it would not be an advisable solution. $1M isn’t nearly enough ...
by crake
Wed Jan 10, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 7963

Re: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?

Why retire at age 25, only to "survive" with 25k/year, instead of working a few more years and retire to a more comfortable lifestyle ? I'm pretty sure everyone on BH would be able to retire right now if only they moved to Somalia, yet it would not be an advisable solution. $1M isn’t nearly enough ...
by crake
Mon Jan 08, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 9361

Re: Are Password Managers Really Necessary?

Reddit explains it better than I can. Okay - if Reddit says I'm safe I will surely believe it :) In "theory" the encryption algorithms and practices that password manager solutions provide is sound and perfectly secure. In practice we know otherwise. So your solution is just to use a method that is...
by crake
Mon Jan 08, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 9361

Re: Are Password Managers Really Necessary?

Never had a pw manager that wasn't paper with coded info, and never will. When a hacker figures out how to break into a manager, they'll clean you out. My passwords are encrypted utilizing an AES-256 bit encryption algorithm. It is the same algorithm used by the government to store top secret infor...
by crake
Mon Jan 08, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 9361

Re: Are Password Managers Really Necessary?

Yes. Absolutely. I have used password managers for over ten years. Absolutely cannot imagine not using one. How do you keep track of dozens (or in my case, > hundred) of credentials (username, password, answers to secret questions, account numbers) in a secure way? I'll answer your question with a ...
by crake
Mon Jan 08, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 9361

Re: Are Password Managers Really Necessary?

Never had a pw manager that wasn't paper with coded info, and never will. When a hacker figures out how to break into a manager, they'll clean you out. My passwords are encrypted utilizing an AES-256 bit encryption algorithm. It is the same algorithm used by the government to store top secret infor...
by crake
Mon Jan 08, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 9361

Re: Are Password Managers Really Necessary?

What is the alternative your friends are suggesting? Using the same password for every login is a horrible idea. Even if it is a strong password you are now relying on dozens of sites to keep that password secure. All it takes is one breach and the hackers will have the key to every single one of yo...
by crake
Tue Dec 19, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 6782

Re: Who missed out on maximizing 401k?

Keep in mind that next year the limit will be 18500. Bump up your percentage now. The change might go through before the end of the year getting you that extra 20 and you'll be ready for next year.
by crake
Tue Dec 19, 2017 12:16 pm
Forum: Investing - Theory, News & General
Topic: On Podcasts, timing the market vs Boglehead way - Fear of Missing out
Replies: 16
Views: 1704

Re: On Podcasts, timing the market vs Boglehead way - Fear of Missing out

Fast forward to dinner last night, another friend (a neighbor) asked me how I did this year (financially). I said I dont really track my portfolio except on an semi annual basis. he asked why I am not trading stocks, how I was missing out on big gains and how he had an "awesome" year. Properly trac...
by crake
Fri Dec 15, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Changing companies and what to do w pretax retirement funds
Replies: 10
Views: 802

Re: Changing companies and what to do w pretax retirement funds

It depends on the options in the new 401k plan. My default recommendation would be to take the opportunity to role it into a TIRA so that you can invest in exactly the funds you want. However, when I was in a similar position I opted to role my balance into the new 401k because there were institutio...
by crake
Mon Nov 13, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Buying a new smartphone as a surprise gift
Replies: 8
Views: 1059

Re: Buying a new smartphone as a surprise gift

The easiest way would be to go to an apple store and buy one for $349. All the discounted Iphone's you see in stores or online are locked to a specific network and your friend would not be able to use it on Verizon. If you are willing to jump through some hoops you could probably find a way to get a...
by crake
Fri Nov 10, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is using a Roth IRA for saving for a vacation in 10 years a good idea?
Replies: 11
Views: 1285

Re: Is using a Roth IRA for saving for a vacation in 10 years a good idea?

In the majority of cases using a Roth to invest in a one time splurge would not be advised but we do not have the OP's entire financial picture. The OP may not have been planning to use the Roth for funding retirement. Perhaps OP has a generous pension which will be funding retirement and the Roth s...
by crake
Wed Oct 18, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 37
Views: 3173

Re: Data Use on Smartphones

I can't imagine how anyone could get by on 100 mb per month on a smartphone, any smartphone, unless you turned off cellular data for all apps and services and only allowed it to download mail, messages, etc., when you were on wifi. Just routine mail, messages, and system services will use at least ...
by crake
Thu Sep 28, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are we suckers for not pursuing Public Service Loan Forgiveness?
Replies: 18
Views: 2769

Re: Are we suckers for not pursuing Public Service Loan Forgiveness?

In my opinion you are thinking way to hard about this. Your fiance should do what she can now to minimize the amount of loans she takes out. When she graduates she should then apply to all jobs which interest her. After offers come in she should evaluate those jobs accounting for all factors, includ...
by crake
Thu Sep 28, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 8959

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

A couple of criticisms: I don't aim to beat the market, but I do aim to outperform the market in bear and flat markets on average. I don't have anything technical to comment on, but if someone makes a statement like this I don't tend to put much more weight into what they say afterwards. We'll defin...
by crake
Fri Aug 11, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Home Ownership / Investing
Replies: 18
Views: 1409

Re: Home Ownership / Investing

i've always been good with saving - now i'm just finally making "adult money" and i'm torn on using my large cash reserve towards a down payment [like i've been told to do for most of my life - american dream and such) or "unwinding" my cash reserve into my taxable account - DCA'ing into total us/t...
by crake
Mon Aug 07, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Pool Pump/Filter Trouble Shooting
Replies: 8
Views: 954

Re: Pool Pump/Filter Trouble Shooting

Air in the skimmer basket is usually a sign of a suction side air leak. That means there is a leak which is letting air into the system somewhere on the intake side of the pump. If the leak was on the other side of the pump it would result in water squirting out instead of air being sucked in. My re...
by crake
Mon May 22, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Safe 5 percent ROI
Replies: 25
Views: 5785

Re: Safe 5 percent ROI

You can get an expected return of about 4% with some risk. If bonds return 2.5% (about their current yield; note that even this has some risk) and stocks return 8% (a guess at future returns), then a portfolio of 1/3 bonds and 2/3 stocks will earn 4.3%. That is also what Vanguard considers consiste...
by crake
Fri May 12, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 9209

Re: Beware Citibank Bonus Promotion

Another data point for someone who had to use the CFPB to get a bonus from Citi. As soon as I opened the account I messaged Citi bank to get confirmation that I was signed up for the bonus. I received confirmation again after completing the requirements. After 60 more days and no bonus I called up a...
by crake
Mon Jan 30, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 7855

Re: Please tell me if I can afford this Porsche

I think sometimes folks find it hard to fathom the astounding cost of living differences that can exist within our country. We make about $1M, yes. Our actual after-tax take-home is more like $500K after Federal, California, real estate, and the 3.8% Obamacare surtax. The cheapest house for sale in...
by crake
Mon Jan 09, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Optimum cable and 2nd modem?
Replies: 27
Views: 5636

Re: Optimum cable and 2nd modem?

Added the next tier internet service, so my DL speed is suppose to be 65 mbps at 5G. I am not sure what you mean by 5G. Are you referring to 5 GHZ wifi? A 65 mbps connection should be more than adequate for watching Netflix. An HD Netflix stream should be under 5 mbps. I am not sure what you hope t...
by crake
Mon Jan 09, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: advice on camera repair for sony Rx 100
Replies: 11
Views: 3131

Re: advice on camera repair for sony Rx 100

First thing I would do is check if you bought it with a credit card. Every credit card I have extends manufacture warranties. If the original warranty was a year your credit card might extend it another year and you can get it replaced for free. If you did not buy it with a credit card I would not j...
by crake
Wed Dec 14, 2016 9:41 am
Forum: Investing - Theory, News & General
Topic: "Dow 36,000's" stock picks
Replies: 47
Views: 7195

Re: "Dow 36,000's" stock picks

No because as you point out it is quite risky to go with one stock. My point is that you could have picked 3 of the best known most widely held blue chip dividend stocks and absolutely crushed the market. I think if you do a little work and have a portfolio of 20 (ish) blue chip dividend stocks tha...
by crake
Wed Dec 14, 2016 9:26 am
Forum: Investing - Theory, News & General
Topic: "Dow 36,000's" stock picks
Replies: 47
Views: 7195

Re: "Dow 36,000's" stock picks

Great post, Nisiprius, that I missed back in 2012....just as I missed the greatest stock picks in 1999. That was close to when I shifted my investment strategy to index funds. Not a moment too soon. I am curious....if you look at all of the stocks that comprised the S+P 500 in 1999, I wonder how ma...
by crake
Mon Dec 12, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Forever stocks (and building your own index fund)
Replies: 62
Views: 7493

Re: Forever stocks (and building your own index fund)

While I held a few individual stocks in the 1980's and 1990's, I began a coherent portfolio of US Large Cap stocks around 2000. I held around 30-35 stocks. After around 10 years, I did a post-audit and determined that my returns were a whisker above the S&P500. My goal was identical to the index - ...
by crake
Mon Dec 12, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Forever stocks (and building your own index fund)
Replies: 62
Views: 7493

Re: Forever stocks (and building your own index fund)

I have seen these posts pop up every once in a while and really struggle to see the argument. Vanguard Total Stock Market Index fund hold 3630 different stocks and costs a meager .05% to own. That is only 500 dollars per year per million invested. Vanguard arguably has the worlds foremost experts on...
by crake
Wed Dec 07, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get a week on the beach with Credit Card Points -- Mariott Rewards Premier Credit Card(s) or other cards?
Replies: 15
Views: 1868

Re: Trying to get a week on the beach with Credit Card Points -- Mariott Rewards Premier Credit Card(s) or other cards?

Another thing to keep in mind is that when you book 4 nights with points you get the 5th free. 7 nights would only cost 240,000 points. You could use the rest of the points to upgrade your room. My wife and I did a similar strategy in 2015. I had to call customer service in order to get our points c...
by crake
Tue Nov 22, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rush or Wait to Pay Student Loans
Replies: 19
Views: 3259

Re: Rush or Wait to Pay Student Loans

No way would I keep a student loan around like a pet and give it a name and food dish in order to get an additional $200 a month (whether taxable or not) from my employer. Student loans = risk. Who knows what will happen to your jobs - hopefully they go well, but no one can predict the future. When...