Search found 783 matches

by goblue100
Fri Jan 18, 2019 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 24
Views: 1122

Re: Should I dump our wealth planner/financial advisor?

livesoft wrote:
Fri Jan 18, 2019 2:39 pm
You could try to negotiate a lower fee.
.
I would at least do this. "Hey, Mr advisor, I've been looking at using index funds and managing my money myself. I would consider leaving it with you at a cost of .25% a year. What do you think?"
by goblue100
Thu Jan 17, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 89
Views: 3136

Re: My trend following strategy and experience

I'm interested. I question whether you will see much difference from. say, a 60/40 portfolio. But as I say, I'm interested. Please keep posting the signals.
by goblue100
Tue Jan 15, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Anyone have TCL Series 4 65” TV?
Replies: 15
Views: 1232

Re: Anyone have TCL Series 4 65” TV?

Thanks! Are the differences between the series 4 and series 6 significant enough to justify the nearly $400.00 price difference? Amazon has the series 6 for $629, which is only about $150 more than the price in the OP. Actually, they have the series 4 for $389, $90 less than the Costco price in the...
by goblue100
Mon Jan 14, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4306

Re: Are REITs better to purchase when interest rates are high or low?

Is this a new BH philosophy? Don't time the market with stocks but do it with REITs? It appears to me it is ok to time the bond market, and now the REIT market as well. At least based on the postings on this board. However, you can't time the stock market, but valuations do matter.... :oops: ' Well...
by goblue100
Fri Jan 11, 2019 11:08 am
Forum: Investing - Theory, News & General
Topic: Are REITs better to purchase when interest rates are high or low?
Replies: 64
Views: 4306

Re: Are REITs better to purchase when interest rates are high or low?

international001 wrote:
Fri Jan 11, 2019 10:56 am
Is this a new BH philosophy? Don't time the market with stocks but do it with REITs?
It appears to me it is ok to time the bond market, and now the REIT market as well. At least based on the postings on this board. However, you can't time the stock market, but valuations do matter....
:oops:
by goblue100
Wed Jan 09, 2019 7:35 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 141
Views: 6463

Re: 2019 Hedge Fund Contest

^^ Sounds the Marie Antoinette hedge fund. "Let them eat cake!"
by goblue100
Wed Jan 09, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1208

Re: Weekend in “west” ... recommendations

I was also going to suggest Santa Fe (easy access to ABQ airport). The 30 somethings and maybe 60 somethings would enjoy Meow Wolf https://meowwolf.com/ I went to the meowwolf website, but couldn't figure out what it is. Can you provide any description, please? Thanks! I have to confess, I didn't d...
by goblue100
Wed Jan 09, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13869

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Question for the under $100k income millionaires. Do you have any regrets about missing out on some things in your younger adult years as a consequence of high savings rates? I almost fit the mold, the last few years I've cracked the 100k mark. To answer the question I've quoted above, the answer i...
by goblue100
Wed Jan 09, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Serovital- ????
Replies: 18
Views: 1002

Re: Serovital- ????

I tried the Dr. Oz "GOAL" method, which I believe is essentially what Serovital is. Goal is an acronym for the amino acids glycine, ornithine, Arginine and Lysine. I supplemented them as he directed. I didn't feel like my own results where worth the cost of the supplements. YMMV.
by goblue100
Wed Jan 09, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Good quality wireless headphones
Replies: 11
Views: 1077

Re: Good quality wireless headphones

I just got the Sony WH-CH700n for Christmas. They were on sale for $99. I think they sound great.
by goblue100
Wed Jan 09, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1208

Re: Weekend in “west” ... recommendations

A resort in Santa Fe +1 +2. Santa Fe is a very interesting city with some great restaurants. +3 I love Santa Fe. I live in Dallas. Get a green chile cheeseburger! (the restaurant I was going to recommend is closed. Ask a local for their recommendation. And if you need something else to do, you can ...
by goblue100
Mon Jan 07, 2019 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Elders....A young buck needs your help!
Replies: 15
Views: 1239

Re: Elders....A young buck needs your help!

oldcomputerguy wrote:
Mon Jan 07, 2019 12:24 pm
goblue100 wrote:
Mon Jan 07, 2019 12:21 pm
You didn't mention the interest rate.
OP indicates 4%.
Doh! At 4% the decision is extremely marginal either way, IMHO. I don't think you can wrong either saving the extra or paying it down.
by goblue100
Mon Jan 07, 2019 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Elders....A young buck needs your help!
Replies: 15
Views: 1239

Re: Elders....A young buck needs your help!

You didn't mention the interest rate. The higher the interest rate the more beneficial paying down the mortgage becomes. I tend to split the baby in these decisions, and pay down some and invest some. In fact, that is what I'm currently doing. I pay x amount off the mortgage and put the same x amoun...
by goblue100
Mon Jan 07, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 87
Views: 6516

Re: Child # 3 - seeking advice from older members

I don't fit your requested profile, we only had one child and two miscarriages. Our second child just never happened. I wish for my daughters sake she had a sibling, but its never going to happen now. Luckily the man she just married has two sisters, so I'm hopeful she gets to experience what having...
by goblue100
Mon Jan 07, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6246

Re: What do you think are (some of) the best states to live in?

Won't this invariably become a list of all the states? For instance, I don't like cold weather so my list of "good" states is going to be quite different then someone who likes to hunt and snow ski.
by goblue100
Mon Jan 07, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: Embarrassed to ask... dividends and Total Return
Replies: 39
Views: 4717

Re: Embarrassed to ask... dividends and Total Return

I'll never turn down a dividend. I don't actively seek them, but if a business thinks they cannot increase the shareholder value with the money then I want it paid to me. What if we reframe dividends as business profits? Business's have a life cycle. They grow, they get to a point where they have a...
by goblue100
Mon Jan 07, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: Embarrassed to ask... dividends and Total Return
Replies: 39
Views: 4717

Re: Embarrassed to ask... dividends and Total Return

There's literally nothing good about dividends. Why do people keep defending them? Dividends should be reframed as: An annoying guy randomly sells off portions of your investments a few times a year, giving you extra taxes and lowering your return. I understand the dividend argument, I do. On the o...
by goblue100
Sun Jan 06, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 141
Views: 6463

Re: 2019 Hedge Fund Contest

This year the "Two Minute Portfolio" believes the energy sector is due for a comeback: Long: XOM (Exon Mobile) OXY (Occidental Petroleum) PSXP (PHilips 66) Short: TSLA (Tesla) Increasing oil prices should be good for Tesla, but I feel like their CEO is one misstep from jail, so it is my only short....
by goblue100
Fri Jan 04, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: Just what is long-term investing?
Replies: 13
Views: 771

Re: Just what is long-term investing?

I'm really glad I've always considered myself a long term investor. I think many people leave a lot of money on the table by thinking they will need money a lot sooner than they actually need it. Even now, at 58, I hopefully have 30 more years that my money needs to keep working. Still long term. Fr...
by goblue100
Thu Jan 03, 2019 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Uncle needs portfolio help!
Replies: 7
Views: 520

Re: Uncle needs portfolio help!

Where is the fund with 100k in it? If it is at Fidelity or Vanguard then I would roll the smaller accounts to the bigger one. After that you could keep it really simple and do a target date fund. Does he need income, or is this pretty much for emergencies or extravagances?
by goblue100
Wed Jan 02, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 141
Views: 6463

Re: 2019 Hedge Fund Contest

This year the "Two Minute Portfolio" believes the energy sector is due for a comeback:
Long:
XOM (Exon Mobile)
OXY (Occidental Petroleum)
PSXP (PHilips 66)

Short:
TSLA (Tesla)
Increasing oil prices should be good for Tesla, but I feel like their CEO is one misstep from jail, so it is my only short.
by goblue100
Tue Jan 01, 2019 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: I just started to realize how important it is to manage the finances
Replies: 9
Views: 1622

Re: I just started to realize how important it is to manage the finances

Welcome. Managing ones portfolio is very important. How much you save is a better indicator of getting wealthy than how much you earn.
by goblue100
Tue Jan 01, 2019 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Can you help with a formula to calculate ....
Replies: 4
Views: 483

Re: Can you help with a formula to calculate ....

I personally would use portfolio visualizer: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2013&firstMonth=1&endYear=2018&lastMonth=12&calendarAligned=true&endDate=12%2F31%2F2018&initialAmount=10000&annualOperation=3&annualAdjustment=0&inflationAdjusted=true&annua...
by goblue100
Fri Dec 28, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4592

Re: Nobody asked me but

While I agree with many of the points made in response to the original post, I also detect a rather unholiday-like undercurrent of sarcasm, snarkiness, and condescension within some of the replies. Kudos to the OP for answering in a gracious and non-defensive manner. Maybe our sense of decorum coul...
by goblue100
Fri Dec 28, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Nobody asked me but
Replies: 46
Views: 4592

Re: Nobody asked me but

On item 3, why does it matter if the market moves while you are traveling. Bogleheads philosophy is "set it and forget it". Or do you not follow Bogleheads philosophy?

On item 7, put me in the camp of wanting evidence of this claim.
by goblue100
Wed Dec 26, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 4886

Re: Why call them "losses" when you still own the shares?

Same reason I call them gains. Fair market value is the only way I know to value assets.
by goblue100
Tue Dec 25, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 348
Views: 39331

Re: Anyone tired of the stock market going up?

Started selling in February of 2018, blew out all international in Spring of 2018, have had 0 sleepless nights due to the almost Bear Market we are in. Hey, it’s The TimeLord! Merry Christmas, dude. Hope you’ve been doing well and curious how your 2018 went. Did you keep working? Happy Holidays! Th...
by goblue100
Tue Dec 25, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: The effects of forum participation on plan execution
Replies: 18
Views: 1711

Re: The effects of forum participation on plan execution

Thanks for checking in. I was a little worried that your disappearance was for a worse reason. Did you retire?
by goblue100
Mon Dec 24, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Massive losses; what if I die [before offsetting the losses]?
Replies: 55
Views: 7004

Re: Massive losses; what if I die?

J G Bankerton wrote:
Mon Dec 24, 2018 12:05 am
Way back in January I sold/bought VTI for long term gains. I now have losses so large if I sold in January I may not live long enough, at $3,000 a year limit, to write them all off. What should I do? $3,000 is too low, way too low.
Sounds like you have way too much in taxable? Why no Roth?
by goblue100
Sun Dec 23, 2018 2:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11165

Re: My Christmas Present To You

You ever have one of those moments where someone gets you something of so much more value then what you got them? I'm feeling that now. Thanks to Taylor and all the other veterans for giving so much. This was always my favorite portion of the movie Patton. When Patton turns the Third Army 90 degrees...
by goblue100
Sun Dec 23, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Missing 12/21/2018 Bond Dividends Delayed
Replies: 43
Views: 4442

Re: Anyone Else Missing 12/21/2018 Bond Dividends?

I would like to thank EyeDee for creating this thread and Ms. Katz for taking the time to update. I believe it very smart for companies to respond to some of the social media outlets and internet forums for things like this.
by goblue100
Sun Dec 23, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Boeing-time to buy?
Replies: 26
Views: 2242

Re: Boeing-time to buy?

I have been eyeing Boeing for some time. As of December 21 it was down to $304 per share, near its 52 week low of $294 per share, with the 52 week high being $394 per share. It's current dividend yield is about 2.6%. Morning star rates it 3 stars and a hold, while CFRA rates it a buy. It seems like...
by goblue100
Sat Dec 22, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Why didn't the market crash in ~1981?
Replies: 8
Views: 896

Re: Why didn't the market crash in ~1981?

Interest rates on savings/CDs were insane in the early 80s. Why didn't capital flow out of the stock market and into all these high interest savings instruments? Was it because the market was already extremely low (not overvalued like today's market) and that there weren't that many retail investor...
by goblue100
Fri Dec 21, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: "Guess What? It May Actually Be Different This Time" Morningstar
Replies: 8
Views: 2180

Re: "Guess What? It May Actually Be Different This Time" Morningstar

I would argue that the time to realize that your portfolio was overly aggressive was before the market is dropping, not after. At this point "stay the course" is almost certainly the thing to do.
by goblue100
Fri Dec 21, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: 2018 Boglehead Contest Charts
Replies: 3
Views: 834

Re: 2018 Boglehead Contest Charts

Considering that the general trend for the last several years has been a reduction in the percentage of bulls while stocks have been on a tear, maybe the big uptick in the number of bulls means that the market won't do well in 2018. I don't like the look of this. :annoyed Your instincts appear to h...
by goblue100
Fri Dec 21, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: What will be the low for the S&P 500?
Replies: 87
Views: 7931

Re: What will be the low for the S&P 500?

KenG wrote:
Thu Dec 20, 2018 8:33 pm
2300. That is all I can stand.
I think you are in the right ballpark, but not for that reason. :)

I guess 2250.
by goblue100
Wed Dec 19, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Math: How much would you spend to repair this car?
Replies: 53
Views: 2373

Re: Math: How much would you spend to repair this car?

Say you keep the new Mazda for 12 years like your current VW. Mazda cost is about $2k per year to you assuming the car is basically worthless at the end. If you spend $2k to fix the VW, if can you drive it for at least 1 year after the repair you will have broken even. Just one way to look at it. :...
by goblue100
Wed Dec 19, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: What did you do once you hit your target number?
Replies: 49
Views: 5414

Re: What did you do once you hit your target number?

SQRT wrote:
Wed Dec 19, 2018 8:16 am
In the end it’s the relationship between your “number range” and your “time range” that will determine your retirement, I think.
I think this is it for me. I'm getting close to both ranges. At least I was. :shock:
And I didn't think you were judgmental at all. :sharebeer
by goblue100
Wed Dec 19, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Math: How much would you spend to repair this car?
Replies: 53
Views: 2373

Re: Math: How much would you spend to repair this car?

Its totaled. My guess is the estimate is 3.5k+.
by goblue100
Tue Dec 18, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance
Replies: 7
Views: 501

Re: Looking for guidance

Taking SSA this year (62)….my planning assumption has me living to 75. This jumped out at me. A 62 YO man and a 58 YO woman have a 50% chance of one person making it 29 years. You have 5% chance of one of you making it 40 years. This is based on the joint life expectancy table: https://www.kitces.c...
by goblue100
Tue Dec 18, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Investing a lump sum in today's market climate
Replies: 16
Views: 2467

Re: Investing a lump sum in today's market climate

I invested $3,000 in lump sum in the market in September and now regret it as I could have DCA'd or waited for the coming drop (which I anticipated but was told "don't time the market"). In 2007 I set up my portfolio and invested over 200k in cash, right before one of the worst bear markets in hist...
by goblue100
Sun Dec 16, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19421

Re: I made a mistake by not selling when the market was high this year

Many people would say have 3 years of expenses in cash, and if the market has a down year don't withdraw. If it is flat or up, replenish. If that is true, then "many people" don't understand the impact of cash drag. Well, in my mind cash could be a CD, where the return is pretty much equal to short...
by goblue100
Sun Dec 16, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contra Fund
Replies: 24
Views: 2100

Re: Fidelity Contra Fund

Is investing in Facebook, Amazon, Netflix and Google really considered CONTRAry to the crowd? Doesn't seem to me the fund lives up its name.
by goblue100
Sun Dec 16, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Social Security ... Can spouse get a bump?
Replies: 4
Views: 517

Re: Social Security ... Can spouse get a bump?

Here is handy calculator that the previous poster has been kind enough to furnish. I think he might be too modest to link it himself. 8-)

https://opensocialsecurity.com/
by goblue100
Sat Dec 15, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19421

Re: I made a mistake by not selling when the market was high this year

Many people would say have 3 years of expenses in cash, and if the market has a down year don't withdraw. If it is flat or up, replenish.
by goblue100
Sat Dec 15, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: What caused the JUSRX one day 10.5% drop on 12/12/18?
Replies: 7
Views: 695

Re: What caused the JUSRX one day 10.5% drop on 12/12/18?

The decline seems to line up pretty well with the Johnson and Johnson stock price drop, though it may have been a day earlier.