Search found 2662 matches

by an_asker
Mon Aug 03, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 159
Views: 7747

Re: What Car Maintenance Do You Do?

Heya, Because of coronavirus I bought my first car in years. Always used to rely on public transit, but oh how the world has changed. I've become more confident the older I've become to work on cars and, of course, YouTube has helped greatly. But like I said I've not owned a car in years and thinki...
by an_asker
Mon Aug 03, 2020 2:46 pm
Forum: Personal Investments
Topic: Taxes, am i getting this right?
Replies: 26
Views: 1761

Re: Taxes, am i getting this right?

RocketShipTech wrote:
Mon Aug 03, 2020 1:07 pm
You’ll be earning $200-$400k into your 80s? Is this passive income?
To me, that's massive income ;-)
by an_asker
Sat Aug 01, 2020 10:08 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543402

Re: What are you up YTD? [Year To Date]

My 401k is up by slightly over 2%. DW's gain is just a half of mine. Market gain divided by the balance on 1/1/2020. I don't know why the difference. Both have similar compositions. I - or should I say "the math nerd in me"? - am interested in looking at this. Would you mind sharing (here or via PM...
by an_asker
Sat Aug 01, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543402

Re: What are you up YTD? [Year To Date]

My 401k is up by slightly over 2%. DW's gain is just a half of mine. Market gain divided by the balance on 1/1/2020. I don't know why the difference. Both have similar compositions. I - or should I say "the math nerd in me"? - am interested in looking at this. Would you mind sharing (here or via PM...
by an_asker
Wed Jun 24, 2020 7:12 pm
Forum: Investing - Theory, News & General
Topic: Schwab Mutual Fund fees
Replies: 8
Views: 937

Re: Schwab Mutual Fund fees

Does Charles Schwab charge $49.95 every time you buy shares in an external mutual fund, or is it just the initial buy in? Schwab has an excellent chat service that could answer this question in <10min. That will give only one answer. For multiple answers, this forum is the best :-) Which is better ...
by an_asker
Tue Jun 23, 2020 3:52 pm
Forum: Investing - Theory, News & General
Topic: Schwab Mutual Fund fees
Replies: 8
Views: 937

Re: Schwab Mutual Fund fees

Nate79 wrote:
Tue Jun 23, 2020 2:52 pm
Ikihi wrote:
Tue Jun 23, 2020 2:49 pm
Does Charles Schwab charge $49.95 every time you buy shares in an external mutual fund, or is it just the initial buy in?
Schwab has an excellent chat service that could answer this question in <10min.
That will give only one answer. For multiple answers, this forum is the best :-)
by an_asker
Sat Jun 20, 2020 8:15 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads walked the talk; be proud.
Replies: 39
Views: 5835

Re: Bogleheads walked the talk; be proud.

My plan was and will be again buy FXAIX in the way down, the way up, and everywhere in between. Doesn't this mean that you are not at your complete AA (wrt stocks) right now? 100% FXAIX Maybe I'm misunderstanding what you wrote. If your Asset Allocation is 100% FXAIX, how did you have money to buy ...
by an_asker
Sat Jun 20, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads walked the talk; be proud.
Replies: 39
Views: 5835

Re: Bogleheads walked the talk; be proud.

[Coronavirus comment removed by moderator oldcomputerguy] We surely will get a second chance soon to test our asset allocations :D This time i have plan i can stick with and dont really care about how the markets will react to the next lockdowns. My plan was and will be again buy FXAIX in the way d...
by an_asker
Sat Jun 20, 2020 6:29 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads walked the talk; be proud.
Replies: 39
Views: 5835

Re: Bogleheads walked the talk; be proud.

[Coronavirus comment removed by moderator oldcomputerguy] We surely will get a second chance soon to test our asset allocations :D This time i have plan i can stick with and dont really care about how the markets will react to the next lockdowns. My plan was and will be again buy FXAIX in the way d...
by an_asker
Thu Jun 18, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 226
Views: 27670

Re: Please share some lifestyle creep you regret.

H-Town wrote:
Wed Jan 30, 2019 12:58 am
pdavi21 wrote:
Wed Jan 30, 2019 12:53 am
Spouse
You were saying?
[...]
Do you have ineluctable proof that pdavi21 != Bezos? ;-)
by an_asker
Thu Jun 18, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10206

Re: Disappointed in Fidelity 2% Cash Back credit card

livesoft wrote:
Thu Jun 18, 2020 3:31 am
Why is this thread so long?[...]
OP didn't read the small print. In his/her defense, the small print was squirreled away to make it difficult to get to; though, on the flip side (literally?), it was definitely there. :oops:
by an_asker
Wed Jun 17, 2020 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10206

Re: Disappointed in Fidelity 2% Cash Back credit card

When I got my Fidelity Visa all of the literature was very upfront that rewards had to be deposited in a Fidelity account I saw no deception whatsoever. Surprised you didn't see that in the posts and when signing up for the card. ...how were you deceived? ...they make it clear that it must be depos...
by an_asker
Wed Jun 17, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8080

Re: Would you rent your house to a famous athlete?

... Our agent just informed us a famous athlete is interested in renting our house. My concern is the individual is young and single. More than likely would have parties at the house. A family could also cause damage but clearly the concern is greater here Unfair and inappropriate assumptions and s...
by an_asker
Wed Jun 17, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4315

Re: Undergrad college list parameters.

The number one criteria that I had for my college selection was: 1. As far aware from my parents as possible. I think location is always a big criteria. By that logic, OP is either in Denver ... or Alaska. Assuming they are in USA ;-) I was unlucky: After I moved far away from my parents, they move...
by an_asker
Wed Jun 17, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4315

Re: Undergrad college list parameters.

[...]I wonder if arranged marriage also makes sense. Of course it does. I still don't get the stigma associated with arranged marriages. They are not a whole lot different from Tinder, or any of the other matrimonial apps/sites. The main difference, of course, is that parents are the middle"men" - ...
by an_asker
Wed Jun 17, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8080

Re: Would you rent your house to a famous athlete?

... Our agent just informed us a famous athlete is interested in renting our house. My concern is the individual is young and single. More than likely would have parties at the house. A family could also cause damage but clearly the concern is greater here Unfair and inappropriate assumptions and s...
by an_asker
Tue Jun 16, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4315

Re: Undergrad college list parameters.

[...]I wonder if arranged marriage also makes sense. Of course it does. I still don't get the stigma associated with arranged marriages. They are not a whole lot different from Tinder, or any of the other matrimonial apps/sites. The main difference, of course, is that parents are the middle"men" - ...
by an_asker
Tue Jun 16, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4315

Re: Undergrad college list parameters.

livesoft wrote:
Sun Jun 14, 2020 12:12 pm
The number one criteria that I had for my college selection was:

1. As far aware from my parents as possible.

I think location is always a big criteria.
By that logic, OP is either in Denver ... or Alaska. Assuming they are in USA ;-)
by an_asker
Fri Jun 05, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1229
Views: 110220

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

I really want to know when OP went back in or if he/she is waiting for the second bottom. Disclosure: I would be lying if I said I didn't get scared and took no action. I did sell a bit and not buy back. But it was less than a few percent of holdings. So, didn't lose much or gain much! :oops: We wo...
by an_asker
Fri Jun 05, 2020 9:57 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1229
Views: 110220

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

OP Last active: Mon Apr 27, 2020 I really want to know when OP went back in or if he/she is waiting for the second bottom. Disclosure: I would be lying if I said I didn't get scared and took no action. I did sell a bit and not buy back. But it was less than a few percent of holdings. So, didn't los...
by an_asker
Sat May 30, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 129
Views: 8708

Re: Falcon 9 Launch to the International Space Station

The launch is on for today. SpaceX starts live coverage 3 hours from now. I just saw a report that the roads leading there are gridlocked. That is why I decided not to venture out today. On Wednesday - a weekday - I had to stop west of I-95 (which is still way closer than where I live) and I didn't...
by an_asker
Thu May 28, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Large Canceled Check - Stop payment + Close Account
Replies: 27
Views: 2627

Re: Large Canceled Check - Stop payment + Close Account

True story from a personal experience. [...] Fast forward two years, that park manager isn't there any longer and the park is under new management. The new manager asks me how things have improved since he took over and wanted my feedback. So I chuckled and told him "at least you guys didn't lose o...
by an_asker
Fri May 15, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6516

Re: WFW (Work from Wherever)

People who were able to WFH for the past two months are being asked to extend WFH until the fall or winter. I was thinking, how often do we regular office workers who weren't able to WFH before get the opportunity to WFW (work from wherever). Is anyone planning to work from different cities/countri...
by an_asker
Sun May 10, 2020 8:39 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21296

Re: "The economy is in free fall. So why isn't the stock market?"

I think investors see big discounts in stocks right now, still trading down quite a bit from the all time highs. They also realize the virus will might one day never go away , but it will learn (mutate) to live with us without causing too many fatalities . There are many folks who consistently buy ...
by an_asker
Mon May 04, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: terro ant treatment
Replies: 34
Views: 1888

Re: terro ant treatment

Last summer I had an ant problem for the first time ever. I tried cleaning up their trails with something or other (vinegar?) the web suggested, but that did nothing. Finally I called a pest control guy who sprayed poison (gak) around the perimeter of the house and in the crawl space. I am hazy abo...
by an_asker
Sun May 03, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 81
Views: 11806

Re: When to sell low? Buffett sells entire airline stake

In your investment plan, are there any situations in which you would sell completely out of an equity position at a significant loss? No ...do total-market index funds eliminate (or reduce to a tolerable level) the risk Buffet apparently addressed here? Yes, eliminate If you own a sector fund, woul...
by an_asker
Sat May 02, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: [recommend a basic] refrigerator
Replies: 22
Views: 1762

Re: [recommend a basic] refrigerator

quantAndHold wrote:
Thu Apr 30, 2020 1:14 pm
[...]
The only conclusion I can come to is that fridges aren’t made like they used to.
+1! When our fridge went on the fritz, the repairman (notwithstanding vested interests) recommended we keep the unit and let the warranty cover the $500+ repair bill than give us a $500 discount on a new unit.
by an_asker
Sat May 02, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17965

Re: Quitting a job after two weeks: relocation expenses

From what I hear, new doctors put in those kinds of hours, usually without any ability to decide which particular hours they will do. ETA: you can usually get a lot done in 60 hour weeks. During residency, doctors are prohibited from working more than 80 hours a week, according to the accreditation...
by an_asker
Thu Apr 23, 2020 11:12 pm
Forum: Personal Consumer Issues
Topic: Zoom meetings
Replies: 39
Views: 3182

Re: Zoom meetings

Is the organizer the only person who can open "the room" used for the meeting? Or can anyone go into the "room" if they have the Meeting # ? If the latter is the case then the timer started at 9:40 am today. . There is a waiting room feature supposedly for security; what that means is that attendee...
by an_asker
Thu Apr 23, 2020 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate Term Life Terms - couple in 30s
Replies: 88
Views: 4192

Re: Appropriate Term Life Terms - couple in 30s

What would be appropriate term life terms (e.g. 20,30,40 years, age level?) for a 34.5 yo female and 39 yo male with a 9 month old child? And how should one decide how much life insurance to buy (e.g. $400k, $500k, $1M)? These would be for term life policies held outside of work life insurance poli...
by an_asker
Thu Apr 23, 2020 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate Term Life Terms - couple in 30s
Replies: 88
Views: 4192

Re: Appropriate Term Life Terms - couple in 30s

What would be appropriate term life terms (e.g. 20,30,40 years, age level?) for a 34.5 yo female and 39 yo male with a 9 month old child? And how should one decide how much life insurance to buy (e.g. $400k, $500k, $1M)? These would be for term life policies held outside of work life insurance poli...
by an_asker
Wed Apr 15, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14659

Re: Apple Released a New Low-cost Iphone

IMO, 64GB for $399 is not sufficient storage. Other options are 128GB storage for $449 and 256GB for $549. I think the 128GB model for $449 is the sweet spot. Depends on the user. Cloud storage and streaming make local storage capacity important than before, for most users. [...] I'm assuming you m...
by an_asker
Wed Apr 15, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14659

Re: Apple Released a New Low-cost Iphone

Thanks for posting. We usually buy used and I've had great luck with my 5s, but my wife not so much, so this might be a good option. Her current iPhone 7 is on the fritz and won't connect to the cellular network. Seems to be a pretty expensive part as the most likely cause, so I was surprised when ...
by an_asker
Wed Apr 15, 2020 7:59 am
Forum: Personal Investments
Topic: How much cash is too much cash?
Replies: 73
Views: 9044

Re: How much cash is too much cash?

No one can decide but you. I am still working but have over two years of expenses in a treasury MMF and a short-term treasury fund. It's how I sleep at night. I wouldn't change a thing. +1! It is how I sleep when the stock market tanks 5% in a day - and all our money is not in stocks. And also how ...
by an_asker
Tue Apr 14, 2020 7:15 pm
Forum: Personal Investments
Topic: International Growth (VWIGX) Outperformance
Replies: 28
Views: 1866

Re: International Growth (VWIGX) Outperformance

It’s a great fund. I don’t own it but would be perfectly fine if I did. Take a good look under the hood, two of the top ten holdings, amazon and Tesla. Last time I checked those were not in the total international index......maybe not quite apples to apples No doubt well managed fund either way Tha...
by an_asker
Fri Apr 03, 2020 7:06 pm
Forum: Personal Investments
Topic: Odd 401K Match
Replies: 16
Views: 675

Re: Odd 401K Match

But why? Why penalize us if we contribute more than 7% and meet the annual limit early vs having to contribute 7 and only 7% per pay? And what’s the advantage to the company? Delaying match if an employee leaves? Sometimes that is accounted for by delaying match vesting. What you have is similar to...
by an_asker
Thu Apr 02, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: Are XLK (Technology Select Fund) and VGT (Vanguard Information Technology ETF) considered "substantially identical"?
Replies: 5
Views: 373

Re: Are XLK (Technology Select Fund) and VGT (Vanguard Information Technology ETF) considered "substantially identical"?

These two ETF's hold almost the same companies, but have slightly different weightings. https://www.etf.com/XLK#overview https://www.etf.com/VGT#overview Would selling XLK for a loss and then buying VGT within 30 days trigger a wash sale? It’s impossible to say. But the answer is “no”. You mean: - ...
by an_asker
Thu Apr 02, 2020 11:21 am
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7604

Re: Anyone here depressed just looking at their portfolio?

My portfolio everyday when logging into vanguard is just red and red. Seems depressing just looking at it. How are you guys coping (for people who lost money) in the market now? There is probably only one genius or two (Cnc anyone?) who hasn't lost money. That said, if looking at stocks makes you d...
by an_asker
Thu Apr 02, 2020 11:18 am
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7604

Re: Anyone here depressed just looking at their portfolio?

Firemenot wrote:
Wed Apr 01, 2020 9:13 pm
No and I’m 100 percent in stock and I’m down BIG money. Doesn’t phase me though as I lived through the Great Recession and I’ve spent years educating myself on stock market history. I’m also a scientist-type personality which probably helps too.
The word is faze. #justsaying!
by an_asker
Wed Apr 01, 2020 11:00 am
Forum: Investing - Theory, News & General
Topic: Speculating on Oil/Gasoline
Replies: 20
Views: 1033

Re: Speculating on Oil/Gasoline

I know this is very unBogleheadish, but here goes. If one wanted to speculate on oil/gasoline (that prices will rise at some point in the not too distant future), what would be the best ETF to use? At one time I traded UGA but didn't like having to get a K-1 at the end of the year. Can you not simp...
by an_asker
Wed Apr 01, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: GOOD RX...What Is It?
Replies: 37
Views: 2978

Re: GOOD RX...What Is It?

What is "Good Rx"? Is it something that really saves you money, or is it some sort of gimmick that really doesn't? A friend of mine, on a Medicare Advantage plan, said it really saves him money on prescriptions, but it's not clear to me if this is an across the board thing, in general. I wrote a lo...
by an_asker
Wed Apr 01, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: Speculating on Oil/Gasoline
Replies: 20
Views: 1033

Re: Speculating on Oil/Gasoline

I know this is very unBogleheadish, but here goes. If one wanted to speculate on oil/gasoline (that prices will rise at some point in the not too distant future), what would be the best ETF to use? At one time I traded UGA but didn't like having to get a K-1 at the end of the year. I used USO a dec...
by an_asker
Wed Apr 01, 2020 9:02 am
Forum: Investing - Theory, News & General
Topic: Speculating on Oil/Gasoline
Replies: 20
Views: 1033

Re: Speculating on Oil/Gasoline

I know this is very unBogleheadish, but here goes. If one wanted to speculate on oil/gasoline (that prices will rise at some point in the not too distant future), what would be the best ETF to use? At one time I traded UGA but didn't like having to get a K-1 at the end of the year. I used USO a dec...
by an_asker
Tue Mar 17, 2020 12:40 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1229
Views: 110220

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

CnC wrote:
Fri Mar 13, 2020 6:14 pm
Guys please don't argue and fight about American exceptionalism or ignorance. That is not the point of the thread.

Stick to economics and the market. If you want to talk about coronavirus get on Reddit.
r/coronavirus or r/china_flu
Are you still waiting on blessings from Bogleheads? :oops:
by an_asker
Sun Mar 15, 2020 7:53 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196079

Re: Bogleheads community discussion - Coronavirus

What will be the ratio of: People 18 to 64 years/ people >=65 years on Dec 31 of this year as compared to Jan 1 of this year. a) worldwide, b) In USA. My best guess is it will be statistically insignificant for both a) and b). If there is a change it will most likely be an increase in the ratio. Wh...
by an_asker
Thu Mar 12, 2020 3:19 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin is around $6k... why is nobody talking about this?
Replies: 104
Views: 8664

Re: Bitcoin is around $6k... why is nobody talking about this?

I truly, really thought Bitcoin would be the next gold and safe haven. But in this crazy corona-time, Bitcoin is down back to $6000. Why? And GLD has dropped only 5%. For context Bitcoin went to $12k earlier in 2019, and $20k during the bubble just before it popped. I'm glad I procrastinated buying...
by an_asker
Thu Mar 12, 2020 12:45 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26676

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

I am staying course so far but the drop is scaring the hack out of me. I know I should keep bogle way but it is pretty stressful to see vanguard portfolio going down in value every day. How are you guys staying calm? And how far will it go down? I heard once shale oil market gets screwed, things ca...
by an_asker
Mon Mar 02, 2020 3:58 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21716

Re: Okay, now when you do buy back in?

HomerJ wrote:
Mon Mar 02, 2020 12:39 pm
[...]
Do you have a plan?
I don't but the Commander in Chief (isn't that the full form of CnC?) does!
by an_asker
Mon Mar 02, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: Is this the start of the dead cat bounce?
Replies: 147
Views: 11759

Re: Is this the start of the dead cat bounce?

nalor511 wrote:
Mon Mar 02, 2020 1:10 pm
What an offensive term.
Maybe offensive to dead cats, but I wonder about the veracity of the statement. Maybe they should say "dead tennis ball bounce" because I don't think dead cats would bounce at all (not that I've tried!).
by an_asker
Mon Mar 02, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: Is this the start of the dead cat bounce?
Replies: 147
Views: 11759

Re: Is this the start of the dead cat bounce?

Peculiar_Investor wrote:
Mon Mar 02, 2020 12:47 pm
[...]Making predictions is hard, particularly about the future.[...]
Hmmm .... is that from Yogi Berra? ;-)