Search found 349 matches

by sreynard
Fri Mar 06, 2020 10:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

RetireBy55 wrote:
Fri Mar 06, 2020 9:24 am
Not trying to be an alarmist, but Great Depression 2.0 is a distinct possibility IMHO.
I see. What would you be posting differently if you were trying to be an alarmist?
by sreynard
Thu Mar 05, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

It is important to recall that high market volatility occurs during bear markets. High volatility is usually associated with stocks going down and then down some more. People stepping into the market during this period of high volatility are sorta forgetting that, I think. Traders call it 'catching...
by sreynard
Mon Mar 02, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

Doom&Gloom wrote:
Mon Mar 02, 2020 4:05 pm
That sudden stop at the end of the free fall didn't hurt as much as I had feared.
Who are you and what did you do with the real Doom&Gloom??? :D
by sreynard
Mon Feb 24, 2020 11:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

If a $2.00 gallon of gas dropped to $1.94 would we be seeing words like free fall, plummet, bear market plastered all over our screens? The media is losing its mind. :annoyed No, the media is being perfectly rational. They got you to watch. They sell eyeballs to their actual customers. You have bee...
by sreynard
Mon Feb 24, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

If a $2.00 gallon of gas dropped to $1.94 would we be seeing words like free fall, plummet, bear market plastered all over our screens? The media is losing its mind. :annoyed No, the media is being perfectly rational. They got you to watch. They sell eyeballs to their actual customers. You have bee...
by sreynard
Fri Feb 07, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3590

Re: New Grad with fashion design degree looking for job in that field

Different thought: why tell her to go back to school? Especially just to get married?? She has a job in a field adjacent to her degree. It isn't exactly what she wanted but a lot of new grads are good at figuring out what their dream is but not how to get there. How do fashion designers get hired? ...
by sreynard
Fri Feb 07, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3590

Re: New Grad with fashion design degree looking for job in that field

Different thought: why tell her to go back to school? Especially just to get married?? She has a job in a field adjacent to her degree. It isn't exactly what she wanted but a lot of new grads are good at figuring out what their dream is but not how to get there. How do fashion designers get hired? ...
by sreynard
Thu Feb 06, 2020 1:12 pm
Forum: Investing - Theory, News & General
Topic: How much will Target date vs 3 fund make a difference in the long run?
Replies: 119
Views: 7610

Re: How much will Target date vs 3 fund make a difference in the long run?

30% bonds? If so then that’s too much chocoyogurt, 1) Why do you think that is too much? 2) What do you think you get in terms of average return by changing your AA from 100/0 and 90/10 to 70/30? 3) If you do not know your answer to (2), why are you picking 90/10? 4) Please check out the following ...
by sreynard
Thu Feb 06, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: How much will Target date vs 3 fund make a difference in the long run?
Replies: 119
Views: 7610

Re: How much will Target date vs 3 fund make a difference in the long run?

OP, I believe that you should start with an AA of 70/30. It should not be 90/10 or 100/0. You have to survive in order to succeed. If you cannot survive from the coming recession, you will not succeed. KlangFool 30% bonds? If so then that’s too much Why is 30% bonds too much? Only you can answer th...
by sreynard
Sat Feb 01, 2020 6:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

Superleaf444 wrote:
Sat Feb 01, 2020 11:40 am
I love that this thread is ongoing since 2011. Talk about evergreen content.
Perhaps more like toenail fungus... :)
by sreynard
Sat Feb 01, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

CoastalWinds wrote:
Sat Feb 01, 2020 1:15 am
stocknoob4111 wrote:
Sat Feb 01, 2020 1:02 am
so the BIG question on everyone's mind - more selling on Monday or not??
Yes- heavy selling.
Agreed. And heavy buying too. In fact, I predict they will exactly equal. :P
by sreynard
Thu Dec 19, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5702
Views: 486930

Re: U.S. stocks continue to soar!

Santa uses a jet now????? :confused Are the reindeer drawing SS now? Wow, I gotta pay more attention. Gettin' old ain't all it's cracked up to be. :oops: I think PETA caused the change. No exploiting the reindeer, most likely. Of course soon Santa will draw the ire of those decrying the use of foss...
by sreynard
Tue Nov 19, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Theory of Economics book recommendation desired
Replies: 29
Views: 2353

Re: Theory of Economics book recommendation desired

Just got done reading and enjoying Murray Rothbard's, "Man, Economy, and State with Power and Market".
by sreynard
Wed Nov 06, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Vent Cleaning
Replies: 4
Views: 870

Re: Vent Cleaning

Whatever that is, I would take it out, hand it the the maintenance guy and ask if they can get a new one. That one looks all used up. :wink:

Alternatively, Home Depot probably has something that would fit...
by sreynard
Fri Oct 18, 2019 10:39 pm
Forum: Personal Investments
Topic: Worth the hassle to open an HSA in California?
Replies: 25
Views: 3109

Re: Worth the hassle to open an HSA in California?

I hold total stock market fund in mine. Quicken tracks dividend reinvestments just fine.

To the feds it's an IRA going in and a ROTH coming out. To CA it’s a brokerage account.

Pay raise from employer.

What’s not to love? :confused
by sreynard
Fri Oct 04, 2019 9:53 am
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 11555

Re: Retirement Class of 1998 (Sheepdog's Experience)

Thanks Sheepdog. It is always valuable and encouraging to hear the experiences of those that have gone before us. My father commented a few months ago that if he had to save up as much as many of the younger folks here thought they needed , he would never have been able to retire. Many here make mo...
by sreynard
Fri Oct 04, 2019 9:38 am
Forum: US Chapters
Topic: Retirement Class of 1998
Replies: 62
Views: 11555

Re: Retirement Class of 1998 (Sheepdog's Experience)

As he told me, that way isn't sexy. It isn't exciting or adventurous, and you will never get rich quick that way , but it's simple and it works. DW and I have done well over the years, and sometimes people ask me for advice. I always tell them "get rich slowly." No one ever takes me up on an offer ...
by sreynard
Thu Oct 03, 2019 5:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

On Mon Aug 08, 2011 1:30 pm DOW is down by over 550 points with a couple hours of trading left. DIJA market close 8/5/11 (Friday) was 11,444.61. DIJA market close 8/8/11 (Monday) was 10,809.85. That's a 5.55% drop between trading days. At the time of OP's post, it was a 4.81% drop. So what's a free...
by sreynard
Wed Oct 02, 2019 11:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

On Mon Aug 08, 2011 1:30 pm DOW is down by over 550 points with a couple hours of trading left. DIJA market close 8/5/11 (Friday) was 11,444.61. DIJA market close 8/8/11 (Monday) was 10,809.85. That's a 5.55% drop between trading days. At the time of OP's post, it was a 4.81% drop. So what's a free...
by sreynard
Wed Oct 02, 2019 11:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

willthrill81, Then, the bank forecloses their houses and take away their cars. KlangFool Ah, but remember, it was your choice not to pay off your mortgage quickly. Those that did can have very low expenses when the market tanks. Remember that negative bond idea you rejected? Selling in a down marke...
by sreynard
Tue Aug 06, 2019 11:19 pm
Forum: Investing - Theory, News & General
Topic: "When Will Smart Beta Be Smart?"
Replies: 28
Views: 2297

Re: "When Will Smart Beta Be Smart?"

Any time now Taylor. I’m also holding out hope for my tulips. They’re going to be roaring back any day....

:D
by sreynard
Wed Jul 10, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 11612

Re: Who cuts your hair? And for how much?

flossy21 wrote:
Wed Jul 10, 2019 6:56 am
My Wife. It's hard to determine the price.
I use Quicken, so it's easy to determine the price. Just paid the Visa bill for the month. Ouch! :D
by sreynard
Wed Jul 10, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5702
Views: 486930

Re: S&P 500 hit 3,000 today

samsoes wrote:
Wed Jul 10, 2019 10:39 am
DaftInvestor wrote:
Wed Jul 10, 2019 9:17 am
Now its only 2997 - uh-oh.
RUN TO THE HILLS!!!
2987! Looking for a window to jump out of!
by sreynard
Wed May 22, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5595

Re: I evaluated taking SS at age 62 versus age 70

I always wonder about the purpose of these posts. The OP already knows what they should do and they already know what they are going to do. So why post about it? Looking for confirmation bias? The safest thing to do is wait until 70, but we all know you're not wanting to do that. The only reason you...
by sreynard
Tue May 14, 2019 4:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

Price is what you pay, value is what you get. If the fundamentals of the company you invested in and the economy haven't changed, then why should you care about fluctuations in the market price? The markets go up and down every day, averaging a 0.8% move every day. Over the long run though, price m...
by sreynard
Mon May 13, 2019 10:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

A December type dip is always possible. Heck, another Great Depression where it takes a decade to get your money back is always possible. Even a Japan scenario where you never get your money back is possible. You should always be in a position where your tummy can handle a crash. Because it could h...
by sreynard
Thu May 02, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 7215

Re: Car lost acceleration

Also check the transmission fluid level. My wife's 2001 Buick was doing something similar last month.
by sreynard
Thu Feb 14, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

I used to always have very low allocation, of 17-35%. I am 39 years old. But in 2017 Aug, I started ramping it up reached 50% right at the peak in around Oct 2018 and in Dec when markets tanked, I didnt have courage to add anymore, but I didnt sell anything either. After watching my networth drop s...
by sreynard
Sat Dec 29, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

... You seem to think that buying things generates wealth, but SELLING things generates wealth. How'bout both. Value is created when a buyer AND a seller trade at a point where BOTH feel they've received something more from their transaction than if they never traded at all. +1 That's rule #1 of ex...
by sreynard
Tue Dec 18, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in free fall

I think the current market is either driven by QE unwinding or my dog started eating dry food again. I give each an equal probability. Hmm. If dog food is a leading indicator, I'd rather not know what constitutes a trailing indicator. Okay, that was literally a laugh out loud :D , especially as I h...
by sreynard
Fri Oct 05, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5808

Re: Mr. Money Mustache is the BOMB!

lostdog wrote:
Fri Oct 05, 2018 5:29 pm
So much resentment bleeding from this thread. Wow!

Golden handcuffs syndrome?
Wow indeed. You would wonder why they read it if it causes them such distress? :shock:
by sreynard
Fri Oct 05, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 9238

Re: Key differences between investing philosophies: Swedroe vs. Bogle

Jack believes in portfolio simplicity. Larry believes in portfolio complexity. I believe in Jack. Rick Ferri Bogleheads: I believe in Jack and Rick Ferri. Best wishes. Taylor I believe in evidence-based investing, not people. OK, so post a graph of Jack's and Larry's approaches over the last 30 or ...
by sreynard
Thu Oct 04, 2018 11:41 pm
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 9238

Re: Key differences between investing philosophies: Swedroe vs. Bogle

Jack believes in portfolio simplicity. Larry believes in portfolio complexity. I believe in Jack. Rick Ferri Bogleheads: I believe in Jack and Rick Ferri. Best wishes. Taylor I believe in evidence-based investing, not people. OK, so post a graph of Jack's and Larry's approaches over the last 30 or ...
by sreynard
Thu Oct 04, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in freefall

Time for bears to come out of their hiding! You rang? :P https://unagb.files.wordpress.com/2015/11/grizzly-bear2.jpg He is kinda cute, but does he have to stick around? How can you not love that face? I could do without those long claws though. Ouch! I wouldn't mind him about more if he didn't keep...
by sreynard
Thu Oct 04, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 120604

Re: Our International Allocation?

For U.S. investors, Taylor suggests that 20% of the equity allocation should be placed in a Total International Stock Index Fund. That suggested 20% is essentially a compromise between my suggested maximum of 20% and the minimum 20% recommended by a Vanguard study." That seems just an argument rely...
by sreynard
Wed Oct 03, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 120604

Re: Our International Allocation?

Bogleheads: In his "Forward" to my latest book, The Bogleheads' Guide to The Three-Fund Portfolio , Mr. Bogle wrote: "In my first book, Bogle on Mutual Funds, published in 1994, I wrote that a long-term investor need not allocate any of his or her assets to non-U.S. stocks. But if they disagreed, I...
by sreynard
Tue Sep 25, 2018 9:30 pm
Forum: Personal Investments
Topic: Sp 500
Replies: 83
Views: 7134

Re: Emotional Investor - I'm a mess and need help!

#1 Stop investing with friends and family. #2-infinity See #1 +1 You do not have a friend that works at a brokerage. You think you know someone that works at a brokerage. He is not your friend. You are his cash cow. But he'll make you feel special to be milked. Your brother may be family, but he is...
by sreynard
Thu Aug 30, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in freefall

Haven't you heard? We're going to go into a recession the second half of next year. You can take it to the bank.... Nice chart at MarketWatch today: https://farm2.staticflickr.com/1893/44364009251_20055175e1_o.jpg https://www.marketwatch.com/story/the-road-to-fresh-stock-market-highs-is-littered-wi...
by sreynard
Wed Aug 29, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 3121

Re: Body language coach?

Or, find another job or ask about getting your job responsibilities changed. Having to act extroverted is a misery for introverts. I don't think its really possible to get around that. WRONG! I used to be an introvert. Not a deliberate decision but it didn't hurt me professionally so I never had to...
by sreynard
Wed Aug 29, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 3121

Re: Body language coach?

As others have said Toastmasters would probably be a good choice. Lots of positive feedback in a low stress environment. A business etiquette class would cover the types of topics you are interested in. A random search on the internet gave: Topics include: Handshakes, greetings and introductions - r...
by sreynard
Wed Aug 29, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in freefall

This is impossible because all the experts told us at the beginning of the year that market returns would be very subdued. You've obviously made an error here. We should always believe expert predictions of markets, being predictions of human responses to events and conditions that haven't happened...
by sreynard
Wed Aug 29, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629739

Re: U.S. stocks in freefall

Total return of Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) is up 10.19% year to date. It looks like someone has turned on the anti-gravity machine, so that things are falling up again. This is impossible because all the experts told us at the beginning of the year that market ret...
by sreynard
Thu Aug 09, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 507
Views: 140470

Re: Anyone regret paying off mortgage early?

A nd this is an important issue. Liquidity is valuable. Paying down (or even paying off) the mortgage reduces your liquid funds available for living expenses, as you may lose access to your home-equity line of credit if you have lost your job. Except that when I pay off my mortgage in 4 or 5 years,...
by sreynard
Wed Aug 08, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 229
Views: 15618

Re: Larry Swedroe: Valuations Too High?

Does CAPE10 account for changes in the way earnings are reported due to changes in US GAAP accounting rules over the last 30 years? Doing away with depreciating goodwill was a big one. I'm sure there are several others. Does it also adjust for recent tax law changes? What about changes in demograph...
by sreynard
Wed Aug 08, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 229
Views: 15618

Re: Larry Swedroe: Valuations Too High?

I've been hearing this "future long term returns are going to be lower" for years now. The first I can recall was William Bernstein's July 1997 Efficient Frontier article, "Peter Bernstein Appraises the Expected Return of Stocks and Bonds". (I've recently been going back and reading them. A real ple...
by sreynard
Wed Aug 08, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 507
Views: 140470

Re: Anyone regret paying off mortgage early?

And this is an important issue. Liquidity is valuable. Paying down (or even paying off) the mortgage reduces your liquid funds available for living expenses, as you may lose access to your home-equity line of credit if you have lost your job. Except that when I pay off my mortgage in 4 or 5 years, ...
by sreynard
Thu Aug 02, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 8544

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Columns 3 and 4 show the impact of delayed SS for each year from 62-70 if COLA is 2.5%. The larger raises shown for each delayed year is due to the effect of compounding. I understand why 2.5% applied to a bigger number results in an increase which is larger than that applied to a small number. But...
by sreynard
Wed Aug 01, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 8544

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

Columns 3 and 4 show the impact of delayed SS for each year from 62-70 if COLA is 2.5%. The larger raises shown for each delayed year is due to the effect of compounding. I understand why 2.5% applied to a bigger number results in an increase which is larger than that applied to a small number. But...
by sreynard
Wed Jul 25, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: "Are Economic Predictions Every Useful?"
Replies: 6
Views: 628

Re: "Are Economic Predictions Every Useful?"

Only if you want to tax loss harvest. :oops:
by sreynard
Wed Jul 25, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 4256

Re: Interesting Take on the 3 Fund Model

1/3 in REIT index, 1/3 in Utilities Index, 1/3 in Blue Chips. A dividend-heavy long term plan for tax free accounts. Thoughts? It's not a crazy idea. Looks like the kind of portfolio my grandfather would have had. He was born in 1900, so was heavily influenced by the Great Depression. Probably bett...