Search found 282 matches

by Silverado
Mon May 25, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 91
Views: 6287

Re: If Jeep has such poor reliability, how come they are everywhere?

We put 175k on our ‘03 GC, and are at 122k on the ‘13 GC we replaced it with. Neither have been in a shop.
by Silverado
Sun May 10, 2020 6:54 pm
Forum: Personal Consumer Issues
Topic: A Tsunami of Unsolicited Stupidity
Replies: 12
Views: 2974

Re: A Tsunami of Unsolicited Stupidity

Maybe a friend of yours played a prank. Used to do that with mag subscriptions back in the day.
by Silverado
Wed May 06, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 550
Views: 144260

Re: Need to be able to do 30 chin-ups

At some point we should talk about how to handle PU-Day. We always said in the army if the first push-up you did that PT test morning was when the clock was running, you are wrong. You will want to do some warm up work for sure. For push-ups it was some shoulder stretching and a few pushups with var...
by Silverado
Wed May 06, 2020 6:15 am
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 55
Views: 1882

Re: can't log on [to Vanguard website]

Laptop windows 10 Chrome, no go. IPad good through app, then to vanguard.com. Needed to change address or never would have tried.
by Silverado
Wed Apr 29, 2020 5:48 am
Forum: Personal Investments
Topic: Leaving Edward Jones is there a better or worse time
Replies: 35
Views: 1939

Re: Leaving Edward Jones is there a better or worse time

Yeah, I would not worry about the state of the economy to make the move. You will be better off in the long run with lower cost investments.

Luckywon gave a good summary.

You will likely find you will be down one 'friend' at the end of this.
by Silverado
Sat Apr 25, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Mobile Deposits/ATM
Replies: 42
Views: 1610

Re: Mobile Deposits/ATM

I’d just drop it in the mail given your situation. Isn’t that how the check got to you?
by Silverado
Mon Apr 20, 2020 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Pre-Layoff: Work doubly hard to be untouchable or Start practicing for interviews?
Replies: 56
Views: 5632

Re: Pre-Layoff: Work doubly hard to be untouchable or Start practicing for interviews?

Not sure why you can’t do both. Always be working to produce what you can in your current role, and always be spending some time being ready for a new opportunity. In your current company or a new one.
by Silverado
Mon Apr 20, 2020 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10156

Re: Laid off!!

I’m sorry to hear you were laid off. From you narrative the only thing that stuck out was a lack of seniority. You said you left a job last year of 8 years... I’m assuming for this one. It could quite simply be that you are a fairly new hire. I don’t have any advice on suing or not accepting a seve...
by Silverado
Sat Apr 18, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 5946

Re: Issues with face masks?

I don’t see it mentioned often, but a key thing a mask, any mask, does is keep your germy paws out of your mouth while out and about touching all sorts of germed up surfaces. But that means keep it on until you can clean your hands, remove, clean again. It’s a trick some athletes use after a major c...
by Silverado
Sat Apr 11, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6570

Re: What's worth paying more for?

Socks that are made specifically for the right and left foot. Kitchen knives - Wusthof automatic Swiss watch - Omega Charmin TP. the cheap stuff shreds when you go to tear off a piece. Underwear made with bamboo fiber high quality cut and properly aged steak extra legroom when flying (I'm 6'4) good...
by Silverado
Thu Apr 09, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: If you have a sizable portfolio, you don't need an emergency fund
Replies: 140
Views: 10327

Re: If you have a sizable portfolio, you don't need an emergency fund

Thus, what your analysis indicates is not that investors should skip emergency funds. It's that in a specific fact pattern, an investor would have historically made money by using a 100/0 allocation with no emergency fund. +1well said. Good math From OP, but only useful for very specific assumptions.
by Silverado
Wed Apr 08, 2020 5:59 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32132

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

Did you really mean to say that ignoring the market completely is a stupid stupid move that could ruin one financially? Folks who do nothing would likely be better off using a Vanguard Target Retirement or LifeStrategy fund if they could. The fund managers of those funds are not sitting on their ha...
by Silverado
Wed Apr 08, 2020 5:03 am
Forum: Personal Investments
Topic: dry powder increasing
Replies: 52
Views: 4638

Re: dry powder increasing

P.S. if i had another chance i would of put 100% of my dry powder (not just 1/3 of it) at the 20% down spiral Based on your comments, I am afraid this is not a true statement. I am not even sure what a ‘20% down spiral is’, but what is the baseline? I feel you were not prepared for the market to go...
by Silverado
Sun Apr 05, 2020 3:46 pm
Forum: Personal Investments
Topic: Change to future 401 k contributions
Replies: 10
Views: 1056

Re: Change to future 401 k contributions

82/18 stock / bond seems reasonable. I’d probably just plow on ahead as you have been doing. What percent of your stock allocation is international now? No matter your answer I’ll just say keep doing what you are doing. If you want to benefit from the lower prices, see about investing more now. Take...
by Silverado
Sat Apr 04, 2020 6:05 am
Forum: Personal Consumer Issues
Topic: Work from home office set up
Replies: 7
Views: 830

Re: Work from home office set up

Honestly, I think you're over-complicating it. I've been working from home for 12+ years, and spend nearly all day looking at email, online meeting presentations, etc. I have a 15" laptop (as it came out of the box) connected to a $10 wired Microsoft mouse, and a desk that is as aesthetic as it is ...
by Silverado
Sat Apr 04, 2020 5:56 am
Forum: Personal Consumer Issues
Topic: Paypal vehicle deposit, buyer opened case for refund.
Replies: 73
Views: 3558

Re: Paypal vehicle deposit, buyer opened case for refund.

A deadly pandemic is spreading around the world and we're debating whether or not it's appropriate to refund a $200 "deposit" with no written contract? Do you really need this $200 or are you wanting to teach the "buyer" a lesson as someone suggested? Let your conscience be your guide. So because t...
by Silverado
Tue Mar 31, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Wine Club Recommendations?
Replies: 15
Views: 1178

Re: Wine Club Recommendations?

Pedroncelli in Sonoma County is very good. They make a wide variety of wines, but the Zinfandels are quite good. And they do a blend, Friends Red, that is crazy good value, as is their Classico. Don’t tell them, but it’s worth a few bucks more. We’ve been members for several years, and in my opinion...
by Silverado
Sat Mar 28, 2020 11:42 am
Forum: Personal Investments
Topic: Lump sum or DCA $30,000 in a volatile market?
Replies: 43
Views: 2552

Re: Lump sum or DCA $30,000 in a volatile market?

I lump sum. I would decide what to do and stick with it for life, much like whether to hit on a 16 in black jack. I don’t DCA my 401k over and over, why is new money any different. Surely these are not typical times. Lump sum maybe work otherwise, however, in this Bitcoin like stock market, all pre...
by Silverado
Fri Mar 27, 2020 5:49 am
Forum: Personal Investments
Topic: The Coming Baby Boom?
Replies: 48
Views: 2026

Re: The Coming Baby Boom?

sd323232 wrote:
Fri Mar 27, 2020 5:30 am
Not sure, alot of people lost jobs and cant afford it, america is broke
My experience says this is not math that people do, and of course is also an inaccurate statement.
by Silverado
Fri Mar 27, 2020 5:45 am
Forum: Personal Investments
Topic: Starting Investment as Undergraduate Student
Replies: 3
Views: 220

Re: Starting Investment as Undergraduate Student

If you have the ability (resources and citizenship status) to put money regularly into a total stock market index fund, you really should. Besides seeing large growth in the next 40 years, you can start a good investing habit now. There is almost no one on this board that does not wish they had a ch...
by Silverado
Thu Mar 26, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 121
Views: 11675

Re: Market will be at all time high by year-end

I have a prediction that the market will be at an all time high by 12/31/2020. This thread will be revisited on that date to show the genius that I am. genius or lucky? Does one right call make one a genius? How many right calls would it take to be an actual genius? Just one time right, you just ha...
by Silverado
Thu Mar 26, 2020 9:39 pm
Forum: Personal Investments
Topic: Will I ever have more than I put in?
Replies: 37
Views: 7692

Re: Will I ever have more than I put in?

It’s fun when someone digs up such an old thread...

It’s even more fun since we are seeing some turmoil right now. Whoa is me posts always read the same after ten years. “Oops, that was a mistake “ just like we will see in 2030.
by Silverado
Thu Mar 26, 2020 5:49 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63050

Re: Have we hit bottom? Time to buy?

Obviously no one can predict the future but do you guys think we've hit bottom? My portfolio took a huge hit, well into the six figures. I've got 125k in Fidelity and Merril Edge sitting in cash accounts just waiting. Tried grabbing the falling knife once already and got cut. Buy now or wait longer...
by Silverado
Wed Mar 25, 2020 5:38 pm
Forum: Personal Investments
Topic: VTI dividend drop
Replies: 41
Views: 3674

Re: VTI dividend drop

If one assumes that the dividend hit to share price is never recouped due to market growth Why would you assume that? It was in response to your statement “If VTI has a 1% dividend payment with an otherwise flat market, the NAV will drop by 1% on the ex-dividend date.” Not sure what else to draw fr...
by Silverado
Wed Mar 25, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1716

Re: My treadmill broke. Now what?

Small question: how broke? Major mechanical, electrical gremlin, etc. Some things are quite easy to repair...sometimes.

A rower is something I find intriguing. I am a hit the road runner type, but have thought about some alternatives.
by Silverado
Mon Mar 23, 2020 5:28 am
Forum: Investing - Theory, News & General
Topic: anyone accelerating their 401/457/403 contributions in next X weeks/months?
Replies: 27
Views: 1448

Re: anyone accelerating their 401/457/403 contributions in next X weeks/months?

No. We have not touched our contribution amount since we both joined the company nine years ago. We are fortunate to both be able to max it out, AND have a plan that matches the whole year as long as you don’t change your amount (those actual mechanics are unknown to me, it just works.) So, over tim...
by Silverado
Fri Mar 20, 2020 5:35 am
Forum: Personal Investments
Topic: Investment Policy Statement and the Coronavirus Crash
Replies: 23
Views: 1470

Re: Investment Policy Statement and the Coronavirus Crash

Why did you decide on your current allocation, and annual change? Have those factors changed at all? "Be prepared" is mental. It means you need to understand there will be bad times and you should stick to your plan. It doesn't mean be prepared with a plan to make big changes in a crash. People sel...
by Silverado
Thu Mar 19, 2020 5:48 am
Forum: Personal Consumer Issues
Topic: This market downturn has gotten to me...
Replies: 9
Views: 2123

Re: This market downturn has gotten to me...

I am not the same. I am plenty busy with normal day to day tasks, which have not changed. I have home projects, work projects, and school projects. Plus workouts, time with our pets, etc. I check in with the portfolio daily to see if I can finally unload one last non-Boglehead investment with much l...
by Silverado
Thu Mar 19, 2020 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Rent in the Time of Coronavirus
Replies: 78
Views: 2971

Re: Rent in the Time of Coronavirus

you assume your landlord will care. It depends on how much they have cash to weather this coronavirus out. If they can wait til someone shows up that will pay more than you, they will not give you a discount, prepare to walk away. They do have the cash but I'm not sure I follow the logic here. My g...
by Silverado
Thu Mar 19, 2020 5:30 am
Forum: Personal Investments
Topic: Leave 403(b) untouched?
Replies: 11
Views: 529

Re: Leave 403(b) untouched?

My Husband’s friend suggested us to do this, and he’s doing the same — Take our 403(b) right now into cash and reinvest when and if the market crashes more. Our 403 (b) plan is for retirement in 2045. Most of our funds (about 80%) are in the market in the 403b. Does this make sense? We’ve already l...
by Silverado
Mon Mar 16, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Options for getting house down payment money
Replies: 0
Views: 176

Options for getting house down payment money

We are relocating and are closing on a house in five weeks or so. We have no current mortgage (own free and clear a house that should end up selling within 5% of what we are paying for a new one.) Plan to put 20% down. Trying to figure out if there is an optimal plan for getting $100k for closing. S...
by Silverado
Sat Mar 07, 2020 7:16 am
Forum: Investing - Theory, News & General
Topic: Could this selloff be nearly over?
Replies: 68
Views: 5264

Re: Could this selloff be nearly over?

We won't need a vaccine or treatments for the market to bounce back. People will soon realize that this is just a bad flu as they wake up to what's going on in Korea-- their aggressive testing strategy is the model for successful containment and has shown a lower-than-thought true death rate around...
by Silverado
Tue Feb 25, 2020 7:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18789
Views: 2627400

Re: U.S. stocks in free fall

Yes certainly not a bad thing for those of us accumulating. I bought $200k yesterday and today. Still sitting on a ton of cash but not in any hurry with the news trending the way it is. We're at the same price as Dec. 2019 - why would you not have bought then, but bought today? Yeah, we never get a...
by Silverado
Sun Feb 23, 2020 7:16 am
Forum: Investing - Theory, News & General
Topic: "Here is how to tell a bull market is coming" wolf, wolf, wolf...
Replies: 15
Views: 2664

Re: "Here is how to tell a bull market is coming" wolf, wolf, wolf...

Many of my friends and colleagues...were severely impacted in the last one and have not recovered. Haven’t recovered in the last 10 year bull market? Is that because they sold at the bottom and didn’t get back in? Easy solution, don’t do that. Survive a recession by having enough in less volatile i...
by Silverado
Sun Feb 02, 2020 8:15 pm
Forum: Investing - Theory, News & General
Topic: Chinese stocks will plunge on Monday?
Replies: 158
Views: 11053

Re: jitters due to global health ?

stocknoob4111 wrote:
Sun Feb 02, 2020 6:54 pm
no.. I auto contribute bi-monthly and have not changed that nor am I going to.
Same here. This too shall pass. I swear some people spend their days looking for something to worry about. 10% or 50% or 75% down, no change.
by Silverado
Sun Feb 02, 2020 8:47 am
Forum: Personal Investments
Topic: Allocations, Timing, and Practicing What is Preached (Stay the Course)
Replies: 7
Views: 575

Re: Allocations, Timing, and Practicing What is Preached (Stay the Course)

My two cents. If you are a multi-millionaire (10 million or more) you can hold the line, stay the course because you can meet family needs for years in a declining market. But if you have 4 M or less, and are retired, you might want to be intelligently flexible. The market is sliding down this year...
by Silverado
Wed Jan 29, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 6986

Re: Considering an iPad. Is it worth it?

Another vote for very useful. Quick draw info.
by Silverado
Mon Jan 20, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: Heat Pump Water Heater
Replies: 9
Views: 1115

Re: Heat Pump Water Heater

A question I have is whether it is different now than before? Depending on how the circulation was set up, there are some weird back flow things possible.
by Silverado
Sun Jan 05, 2020 6:58 pm
Forum: Personal Investments
Topic: Sitting on Cash, When to Buy?
Replies: 10
Views: 1307

Re: Sitting on Cash, When to Buy?

dogagility wrote:
Sun Jan 05, 2020 5:54 pm
CUDMD wrote:
Sun Jan 05, 2020 5:05 pm
3funder wrote:
Sun Jan 05, 2020 4:57 pm
In which fund(s) do you wish to invest this money?
Probably will do 80% VTSAX and 20% VTIAX.

I'm not even 40, so bonds (while in my portfolio) don't really enter in this lump sum.
Lump sum it into these funds tomorrow.
+1 that’s how I’d (and did last week) play it.
by Silverado
Wed Jan 01, 2020 11:25 am
Forum: Investing - Theory, News & General
Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
Replies: 684
Views: 20522

Re: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST

3544.76


That is the same as I put in the other thread.
by Silverado
Tue Dec 31, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 accomplishments
Replies: 56
Views: 3484

Re: 2019 accomplishments

3funder wrote:
Tue Dec 31, 2019 3:35 pm
trevorshhh wrote:
Tue Dec 31, 2019 3:21 pm
Maxed 401k and IRA x2 for the first time this year.
+1
Congrats to both of you! The first time is the most difficult.
by Silverado
Thu Dec 26, 2019 4:09 pm
Forum: Non-US Investing
Topic: Would a stable job (i.e. your current salary) + investments on an index tracking fund be enough for YOU?
Replies: 32
Views: 2165

Re: Would a stable job (i.e. your current salary) + investments on an index tracking fund be enough for YOU?

Stef wrote:
Thu Dec 26, 2019 3:37 pm
How did #3 help you to reach your goals?
Mental health might be one thing.
by Silverado
Tue Dec 03, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Unpaid speeding ticket from 40 years ago.
Replies: 93
Views: 7841

Re: Unpaid speeding ticket from 40 years ago.

fposte wrote:
Tue Dec 03, 2019 2:07 pm
Jags4186 wrote:
Tue Dec 03, 2019 1:21 pm
I’m going to guess that ticket is in a book, in a warehouse, somewhere, that hasn’t been touched in 30 years.
Or in a safe under a condo floor.
I don’t feel this cross reference got the credit it deserves. Well done.
by Silverado
Fri Nov 29, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88427

Re: Found hidden safe, should we crack?

gwe67 wrote:
Fri Nov 29, 2019 6:25 pm
Silverado wrote:
Fri Nov 29, 2019 6:18 pm
gwe67 wrote:
Fri Nov 29, 2019 6:16 pm
Is this for real? Post a picture.
Uh, read the thread, there’s a pic.
Ah, I see it now. I was looking for a photo, not a link to a photo.
No worries, I was trying to not be too sharp in my comment, but likely seemed snarky.

Fun thread, I hate the threat of a long delay.
by Silverado
Fri Nov 29, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88427

Re: Found hidden safe, should we crack?

gwe67 wrote:
Fri Nov 29, 2019 6:16 pm
Is this for real? Post a picture.
Uh, read the thread, there’s a pic.
by Silverado
Sun Oct 20, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another "can we afford this house" thread.
Replies: 7
Views: 874

Re: Yet another "can we afford this house" thread.

How secure do you feel both incomes are? That is the one thing that popped in my mind. It’s a little steep, but seems similar to what a lot of people do.
by Silverado
Sun Oct 20, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Deed fraud (on your home)- anyone have insight?
Replies: 51
Views: 4633

Re: Deed fraud (on your home)- anyone have insight?

What's being said in short, I believe, and with which I agree, is that it's very unlikely that the final decision of the legal system in a crime like this would be that the legitimate homeowner must make whole the defrauded buyer and/or defrauded lender. If that were plausible, I might pay to insur...
by Silverado
Sun Oct 20, 2019 6:14 am
Forum: Personal Investments
Topic: Large Position in Fidelity Blue Chip (FBGRX)
Replies: 24
Views: 2612

Re: Large Position in Fidelity Blue Chip (FBGRX)

You didn’t say if you reinvest distributions or not, but don’t do that and invest those dollars into a lower cost fund instead. We TLH out of a Janus fund into T.Rowe Price Science and Technology in 2009 and added some for four years until we got smarter, and turned off auto reinvest. The fund keeps...
by Silverado
Sun Oct 20, 2019 6:01 am
Forum: Investing - Theory, News & General
Topic: $2,467 is a minimum emergency fund
Replies: 36
Views: 8244

Re: $2,467 is a minimum emergency fund

I not only have no emergency fund but I aggressively limit the amount of cash I have available. I can always use a credit card or withdraw cash from the MM fund in my taxable account with a debit card. Well sure, If your investment plan includes funds in a MM fund, you can do say you don’t keep cas...