Search found 1201 matches

by goblue100
Sun May 31, 2020 8:28 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 8
Views: 684

Re: Roll Call for the Retirement Class of 2021!

I don't have a firm date, and there is some possibility I'll get downsized into the 2020 class. For now let me use my 30th work anniversary date. 9/20/2021.
by goblue100
Thu May 21, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Can I afford to buy an expensive guitar?
Replies: 34
Views: 1302

Re: Can I afford to buy an expensive guitar?

If guitar playing is your passion, and playing a high end guitar would give you a lot of satisfaction, I say get it. To me, who doesn't play guitar it sounds like a lot of money. But I spent close to that on a bicycle, and most non bike riders would think that is crazy. To me it was worth every penny.
by goblue100
Wed May 20, 2020 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5339

Re: Thinking of buying a boat during pandemic – am I CRAZY?

You are talking about spending 5% of your annual income. If you made 100,000, would you be ok spending 5,000 on a luxury? If you just don't save your 30,000 a month for two months, its paid for. You have my permission, and my envy. I wish I had your income. As far as it buying it during a pandemic, ...
by goblue100
Wed May 13, 2020 5:55 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4715

Re: Peloton Treadmill: Anyone here own one..,,

Treadmill or bike? That is the question... My urologist said if you're a man, skip the bike, get the treadmill. Would your orthopedic surgeon agree? I don't know, don't have one yet :wink: But between a pain in the groin vs the knee or hip, I'd gladly take the pain in the knee and hip. I suppose yo...
by goblue100
Fri May 08, 2020 12:14 pm
Forum: Personal Investments
Topic: Why Make Portfolio Safer (More Bonds) as I age?
Replies: 35
Views: 3051

Re: Why Make Portfolio Safer (More Bonds) as I age?

Many appear to believe that a placid disposition and not getting rattled are key. In other words, the real risk is psychological, such as panic selling at the wrong time. This can be dangerous - risk is real. Panicking is a risk, but it's not the only risk. Someone can steadfastly stay confident th...
by goblue100
Thu May 07, 2020 12:59 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 194
Views: 21946

Re: Roll Call for the Retirement Class of 2020!

printf( "Hello World.\n" );
by goblue100
Wed May 06, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 551
Views: 144585

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

18 is great. 30 would be even better. http://www.50pullups.com/ 30 or 50? The programme is written up to 50 pullups. It is a lot and it is extremely difficult do reach. We created such plan so that anyone can aim at perfection. To be honest though, when you reach 30 pullups, it will already be a rea...
by goblue100
Wed May 06, 2020 2:37 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 194
Views: 21946

Re: Roll Call for the Retirement Class of 2020!

LadyGeek wrote:
Wed May 06, 2020 2:14 pm

Hello, World! LadyGeek has landed in retirement! :beer
Congrats!
I may join this class yet, but I'm trying to hold out for 2021. Getting my knee replaced in 2 weeks, now that the ban has been lifted. 4 to 6 weeks to recover, and who knows after that.
by goblue100
Wed May 06, 2020 6:00 am
Forum: Investing - Theory, News & General
Topic: Understanding Inflation?
Replies: 10
Views: 1117

Re: Understanding Inflation

I can't do any better than this:
https://en.wikipedia.org/wiki/Inflation
by goblue100
Tue May 05, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6281

Re: Best [BBQ grill] for the money?

I have a Weber gas grill and the Weber Smokey Mountain smoker. I've had both close to 20 years, and from the outside both look as good as when I bought them. I've replaced the flavorizer bars and will need to do the grates soon on the gas grill, and that is it. You might pay a little more up front, ...
by goblue100
Tue May 05, 2020 6:31 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11150

Re: All my friends are outperforming index funds

Ferdinand2014 wrote:
Tue May 05, 2020 6:08 am
They are lucky, calculating returns incorrectly or lying to you.
If you are in 90/10 portfolio I bet I would have out performed you with my 60/40 portfolio over the last 3 months. You have to adjust for risk.
by goblue100
Tue May 05, 2020 6:28 am
Forum: Investing - Theory, News & General
Topic: Who is your all time favorite investor and why?
Replies: 52
Views: 2741

Re: Who is your all time favorite investor and why?

Scott Burns and Peter Lynch were two of my biggest influences.

Scott Burns was a financial columnist in the Dallas Morning News and an early advocate of passive investing.
by goblue100
Tue May 05, 2020 6:04 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11150

Re: All my friends are outperforming index funds

Can you post one of the portfolios that is beating you? We won't know who it belongs to, so I don't think you would be violating anyone's privacy.
I assume you are in a 3 fund portfolio, or something similiar?
by goblue100
Sat May 02, 2020 7:57 am
Forum: Investing - Theory, News & General
Topic: If you believing in Timing the market, Would you reduce equity allocation now?
Replies: 110
Views: 7916

Re: If you believing in Timing the market, Would you reduce equity allocation now?

I agree with you. I would not want to do this in normal circumstances. These are not normal times. 20% unemployment and "likely depression" cannot just be one month drawdown in the stock market. This is once in a lifetime event for the economy. If you wait until you're confident that you are in "no...
by goblue100
Mon Apr 27, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6065

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

Its an interesting question, and I can't say I know how my company is going to react. We are a tech company, and have been functioning pretty well working remotely. We already had probably 20% of our employees working from home. I could easily see them reducing the building size and just have some t...
by goblue100
Mon Apr 27, 2020 7:40 am
Forum: Investing - Theory, News & General
Topic: Is it true Investors miss out on the best days in the stock market?
Replies: 5
Views: 676

Re: Is it true Investors miss out on the best days in the stock market?

The other asset classes you mentioned will mute the upside, as well as hopefully muting the downside. Its about a smoother ride than getting the absolute highest returns. How well they preform that function can depend on the crisis, but that is the general idea. Your equities will still participate ...
by goblue100
Sun Apr 26, 2020 7:22 am
Forum: Personal Investments
Topic: Is it time for us to get out?
Replies: 20
Views: 2542

Re: Is it time for us to get out?

I need some advice from this trusted body. Due to an inheritance we will have 25 times our needed expenses if we were to retire this year at age 66. I expect to retire in the next 2-4 years and claim social security at age 70. My employment in the non-profit sector is unclear given the current COVI...
by goblue100
Sun Apr 26, 2020 7:11 am
Forum: Personal Investments
Topic: Early retirees who were close - how are you adjusting
Replies: 45
Views: 6135

Re: Early retirees who were close - how are you adjusting

This question is to any early retirees here (<= 55 years old) who were very close to retirement and had just reached a number to support the 4% rule. Now that your portfolio has fallen quite a bit have you decided to go ahead and retire anyway, pushed out your retirement date or decided to retire b...
by goblue100
Sat Apr 25, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Why do investors have a hard time doing nothing?
Replies: 53
Views: 3883

Re: Why do investors have a hard time doing nothing?

How long have you been investing? Have you tried? What has your own experience been? Nsi, I just wanted to thank you for taking the time and making to write such insightful posts. I always enjoy them. My own answer to the OP is that I have done a pretty good job of doing nothing throughout this cri...
by goblue100
Wed Apr 22, 2020 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Estate questions
Replies: 17
Views: 1793

Re: Estate questions

If that does not work, the bank teller’s advice might. Your father in law very well be able to go back to the company that issued the check and they might issue a new one in his name. I have helped more than one person get this done so it is not a bad idea at all. I doubt any jurisdiction makes it ...
by goblue100
Sun Apr 19, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Estate questions
Replies: 17
Views: 1793

Re: Estate questions

Are you saying that the rebate check was from the insurance company for the pre-paid funeral? It was a rebate for a small amount of the prepaid funeral from the funeral insurance company. Apparently it cost less than what the contract allowed. I am going to do what Joe Retire suggests, go back to t...
by goblue100
Fri Apr 17, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Estate questions
Replies: 17
Views: 1793

Re: Estate questions

Sorry for your loss. If all of her assets were in both their names, then there is nothing you should do (other than eventually get her name off of the accounts). Thanks. Your answer is in line with what I was thinking, but there is the matter of this one check. Should we be able to deposit checks m...
by goblue100
Fri Apr 17, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Estate questions
Replies: 17
Views: 1793

Estate questions

My 80 year old mother in law passed recently. Her husband is essentially the sole recipient of their joint assets. They had pre-planned her funeral, and the insurance company issue a small rebate (less than $300) check made out to the estate of mother in laws name. They have no debts. Do we need to ...
by goblue100
Tue Apr 14, 2020 9:38 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296886

Re: Coronavirus and the market

I am market timing today. Because I think the coronavirus misery will be over much sooner than most people think, I moved a significant sum of money from cash/bonds to stocks. I might be making a big mistake, but here's my thinking: In mid February I thought the market was going to be hit hard by c...
by goblue100
Tue Apr 14, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5734
Views: 490270

Re: U.S. stocks continue to soar!

If the market was rational, we all could.have timed the market and the whole booglehead philosphy would not exist. We are all hear, because we acknowledge that market is irrational , and therefore unpredictable. So when the market moves in an unpredictable/ irrational fashion, it should not be news...
by goblue100
Fri Apr 10, 2020 7:47 am
Forum: Investing - Theory, News & General
Topic: We are in a full-blown Depression
Replies: 95
Views: 8001

Re: We are in a full-blown Depression

bottlecap wrote:
Fri Apr 10, 2020 7:26 am
I wouldn’t put any stock in his predictions.

JT
:happy
So to speak.
by goblue100
Thu Apr 09, 2020 8:20 am
Forum: Personal Investments
Topic: Advisor urging switch to a neutral portfolio
Replies: 15
Views: 1355

Re: Advisor urging switch to a neutral portfolio

I am somewhat ahead of the game at this stage. Realizing I am providing limited info would any experience investors please weigh in on whether a neutral portfolio makes sense for me or should I go to Vanguard and start over there? Thanks in advance for your time. Yes, I think you are ahead of the g...
by goblue100
Wed Apr 08, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5734
Views: 490270

Re: U.S. stocks continue to soar!

Jim Cramer is saying he doesn't understand why the market is moving up, darn we have bottomed :oops: To be fair, neither do I, especially after the move we saw on Monday. I had some extra cash I want to deploy, but I was thinking things would drop after the huge run. The market seems to be pricing ...
by goblue100
Wed Apr 08, 2020 7:46 am
Forum: Personal Investments
Topic: dry powder increasing
Replies: 52
Views: 4640

Re: dry powder increasing

will we ever go back to March 23 lows? since then, the market has moved up about 20% the market is recovering too quickly while i had some dry powder ready for deployment now i'm regretting cause i might have gotten too greedy waiting for a deeper hit to the market i only put in 1/3 of the dry powd...
by goblue100
Tue Apr 07, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 186
Views: 17904

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

Just curious if OP and Empiricist are still bearish? If I was so weak on conviction that a week of market gains was making me question myself, I would have absolutely no business doing anything other than staying the course. Have we cured coronavirus? Are people returning to work? Have we demonstra...
by goblue100
Tue Apr 07, 2020 5:57 am
Forum: Personal Investments
Topic: Wellington vs. 3 fund
Replies: 17
Views: 2424

Re: Wellington vs. 3 fund

My go to is Portfolio Visualizer: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&f...
by goblue100
Tue Apr 07, 2020 5:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5734
Views: 490270

Re: U.S. stocks continue to soar!

How do you know that we're "two weeks" from a peak?? We'll just have to see what happens. We have a LONG WAY to go. I doubt people are going back to work at the end of April. When are people going back to restaurants and flying and bars? Not for the rest of this year! April 5th we had less cases in...
by goblue100
Thu Apr 02, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: 6.65 million new unemployment [April 2]
Replies: 35
Views: 3508

Re: 6.65 million new unemployment [April 2]

The real question in my mind is how far do we let the pain of an idle society spread before we declare it is not worth whatever lives are saved? Probably never. Economists and viral epidemiologists don't agree with that (there are of course exceptions). We can have a terrible economy and save lives...
by goblue100
Thu Apr 02, 2020 9:39 am
Forum: Investing - Theory, News & General
Topic: 6.65 million new unemployment [April 2]
Replies: 35
Views: 3508

Re: 6.65 million new unemployment [April 2]

The real question in my mind is how far do we let the pain of an idle society spread before we declare it is not worth whatever lives are saved? Probably never. Economists and viral epidemiologists don't agree with that (there are of course exceptions). We can have a terrible economy and save lives...
by goblue100
Thu Apr 02, 2020 8:47 am
Forum: Investing - Theory, News & General
Topic: 6.65 million new unemployment [April 2]
Replies: 35
Views: 3508

Re: 6.65 million new unemployment [April 2]

I'm not sure why this is a surprise. If you tell everyone to stay home, they are going to file unemployment. The real question in my mind is how far do we let the pain of an idle society spread before we declare it is not worth whatever lives are saved?
by goblue100
Wed Apr 01, 2020 9:10 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

Don't look on bad days. Only look on the good days. Seriously.
by goblue100
Wed Apr 01, 2020 6:12 am
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 18961

Re: Is the coming pain really "priced in"?

But, if the lockdowns work at all, they will have to continue for at least 4-6 months, or the virus will come right back in only a few weeks just as bad as before -- and even 4-6 months might not be enough. The powers that be are already talking about 18 months and maybe doing it again for a few mo...
by goblue100
Tue Mar 31, 2020 7:30 am
Forum: Personal Investments
Topic: why do we have the stock market
Replies: 26
Views: 2233

Re: why do we have the stock market

I like the car analogy, above. The company only makes money off the initial sale, everyone can sell and resell their car (or stock) but the money doesn't go to GM or Ford.
by goblue100
Mon Mar 30, 2020 11:49 am
Forum: Investing - Theory, News & General
Topic: Starting a test going forward: Motley Fool versus index fund
Replies: 8
Views: 851

Re: Starting a test going forward: Motley Fool versus index fund

Should be a fun test. I was a Motley fool subscriber for a while. I don't have accurate numbers to report,unfortunately. I used their recommendations and my own judgement and got in some good stocks, like Costco, and some bad returning stocks like National Oilwell Varco. My guess is I was getting so...
by goblue100
Mon Mar 30, 2020 8:15 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190930

Re: POTUS just announced he'll be extending stay-at-home guidelines until April 30.

Some states are business as usual. Keep everything open, come down and vacation, go out to dinner, enjoy a concert. It’s madness! Which states are “business as usual”? Texas, Georgia, South Carolina come to mind. Florida is way late to the game. Arizona still has BLM land open for camping! It’s a m...
by goblue100
Wed Mar 25, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41855

Re: The Calm Post - Stay the course thread.

This is going to sound a little strange, but I was thinking of retiring in 2021 but I was very nervous about it. Now, I've stayed the course through the recent turmoil and my portfolio has suffered accordingly. But, even though I have less money than I did, I think I'm more confident about retiring ...
by goblue100
Tue Mar 24, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296886

Re: Coronavirus and the market

It’s amazing to me, it’s almost as if the phrase “stay the course” has been permanently implanted into some people’s heads and gets blindly repeated over and over, in complete contradiction to the realities confronting us. I have no doubt that if equities and stock markets existed during Black Deat...
by goblue100
Mon Mar 23, 2020 7:46 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190930

Re: Bogleheads community discussion - Coronavirus

If the new cases are not increasing, the existing cases would resolve to either recovered or death. Hence, active cases would drop. KlangFool I owed you a post, but can't find the discussion. I told you I would let you know when I came off my just a flu stance. I'm off it. Certainly the reaction to...
by goblue100
Mon Mar 16, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: Ibuprofen question: Any doctors or pharmacists here?
Replies: 6
Views: 845

Re: Ibuprofen question: Any doctors or pharmacists here?

I suspect this will get locked, but ibuprofen is a strong anti-inflammatory. https://www.drugs.com/ibuprofen.html "What is ibuprofen? Ibuprofen is a nonsteroidal anti-inflammatory drug (NSAID). It works by reducing hormones that cause inflammation and pain in the body." Anecdotally, it helped the ar...
by goblue100
Thu Mar 12, 2020 6:32 am
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14071

Re: How many people with 7 figure portfolios are”rejoicing ?”

I have two comma's, and even after the carnage of the last two weeks, I still do. I am not rejoicing, but I'm not crying either. I'm resigned to the fact that people are panicked and this thing will need to play out. I feel like it won't be much longer, but who knows. What I did learn is that my 60/...
by goblue100
Tue Mar 10, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27382

Re: What is the best concert you ever witnessed?

I don't go to a lot of concerts, but I just attended the all time best for me. I went and saw the Eagles "Hotel California" tour. They play the Hotel California album track list and then in the words of Don Henley, came back and played every other song they knew. I wish I had seen them when Glen Fre...
by goblue100
Tue Mar 10, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 492
Views: 41855

Re: The Calm Post - Stay the course thread.

I don't know whether to believe some of these responses. I'm much younger than most of you and have been buying into this nearly-bear market. But I would not say that I'm emotionally zen at all. I experience some fear when looking at the dollar value drops of my portfolio. And I experience even mor...
by goblue100
Tue Mar 10, 2020 7:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633257

Re: U.S. stocks in free fall

Do you mean those just retired early, or those planning to retire early soon. I fall in the second group. I am doing nothing different. I have taken steep losses. Very steep. So be it. I am considering retirement in 2021 at 60. So a little early. I'm actually a little encouraged this is happening n...
by goblue100
Tue Mar 10, 2020 7:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633257

Re: U.S. stocks in free fall

What is happening to the early retirement crowd ? Anyone keeping tabs ? Do you mean those just retired early, or those planning to retire early soon. I fall in the second group. I am doing nothing different. I have taken steep losses. Very steep. So be it. I am considering retirement in 2021 at 60....
by goblue100
Mon Mar 09, 2020 11:26 am
Forum: Personal Investments
Topic: Vanguard Target Retirement Fund - When Does it Shift?
Replies: 6
Views: 703

Re: Vanguard Target Retirement Fund - When Does it Shift?

https://institutional.vanguard.com/web/ ... /fund/1669

Halfway down the page under glidepath and asset allocation. Looks like it starts about now, but pretty slowly.