Search found 1311 matches

by oldzey
Sat Aug 24, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Is the S&P 500 good enough?
Replies: 28
Views: 2463

Re: Is the S&P 500 good enough?

Good morning. I'm starting my new 401(k) on 1/1/20. My company is merging with another company and we will be using their 401(k). It will be managed by Fidelity and has good index fund options: S&P 500, extended market, total international stock and total US bond. I will certainly use the S&P and i...
by oldzey
Fri Aug 23, 2019 5:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

A great day to do nothing.
by oldzey
Tue Aug 20, 2019 9:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: US Stocks in Free Fall thread

This thread is now eight years and 11693 posts old!! I find this odd and somewhat humorous and at the same time annoying for some reason but the real question is; how does one follow this and why would we need this thing to pop up every time the market goes down? :annoyed Stop resisting. It's enter...
by oldzey
Sun Aug 18, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 5896

Re: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?

If so could you name what kind of loans you do have? I have three personal loans and wonder if this is enough. I had three student loans in my 30s & 40s for a total of 8 years, which I consolidated and then paid off in full. I was never late on any payments. However, I built my credit score with cr...
by oldzey
Sun Aug 18, 2019 2:29 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 7335

Re: Don’t put new money in market right now??

Talked with an advisor at fidelity, they said they wouldn’t be putting new money in market until the next business cycle- after stocks take a hit, he said we are in a late stage expansion. Downside outweighs upside currently. Any other thoughts on this?? Thanks. Here are 36 other thoughts: https://...
by oldzey
Sun Aug 18, 2019 12:05 pm
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 7335

Re: Don’t put new money in market right now??

The best time to invest is yesterday.

The next best time is today.

Don't wait until tomorrow - invest we must!

"Time in" the market, not "timing" the market.
by oldzey
Sat Aug 17, 2019 2:41 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Comparison Tool
Replies: 7
Views: 337

Re: Portfolio Comparison Tool

Here's the 3 fund portfolio, inputted into the legacy version of Morningstar Charts:

M* Chart

It's simpler than Portfolio Visualizer, but may provide some useful additional information.

You can add other fund and etf tickers into the box with the "Compare to Symbol" for comparisons.
by oldzey
Fri Aug 16, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Friday was up - we'll take it!

Have a great weekend! :sharebeer

https://www.youtube.com/watch?v=NmPhaG1ud38
by oldzey
Thu Aug 15, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Better than yesterday! :P
by oldzey
Thu Aug 15, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 93
Views: 8744

Re: Woodstock as it happened

Hari Om...
by oldzey
Wed Aug 14, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

Prediction: This topic will hit 2,000,000 views shortly.

Image
by oldzey
Tue Aug 13, 2019 3:15 pm
Forum: Investing - Theory, News & General
Topic: "When Vanguard's Retirement Income Calculator Stopped Making Sense"
Replies: 23
Views: 4220

Re: "When Vanguard's Retirement Income Calculator Stopped Making Sense"

They just don't make 'em like they used to...

Image

Denon Nixie Tube Calculator
by oldzey
Mon Aug 12, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: "When Vanguard's Retirement Income Calculator Stopped Making Sense"
Replies: 23
Views: 4220

Re: "When Vanguard's Retirement Income Calculator Stopped Making Sense"

I've found that a simple time value of money app on my phone Ah, the good old HP12C. Time to dust it off for one more time. 42 years ago, I asked for the HP-01 Calculator watch for my 10th birthday. Instead, I got this bad boy: https://i.imgur.com/TV8mXk6.jpg Needless to say, I was still happy as i...
by oldzey
Mon Aug 12, 2019 2:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

Duck and cover!
by oldzey
Mon Aug 12, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: "When Vanguard's Retirement Income Calculator Stopped Making Sense"
Replies: 23
Views: 4220

Re: "When Vanguard's Retirement Income Calculator Stopped Making Sense"

Here is a link to a retirement calculator by T. Rowe Price that was recommended to me years ago (requires registration): https://www3.troweprice.com/ric/ricweb/public/ric.do Thanks for this link! I had heard of it but never realized you could use it without being a customer. Been playing around wit...
by oldzey
Sat Aug 10, 2019 8:19 pm
Forum: Investing - Theory, News & General
Topic: "When Vanguard's Retirement Income Calculator Stopped Making Sense"
Replies: 23
Views: 4220

Re: "When Vanguard's Retirement Income Calculator Stopped Making Sense"

Here is a link to a retirement calculator by T. Rowe Price that was recommended to me years ago (requires registration):

https://www3.troweprice.com/ric/ricweb/public/ric.do
by oldzey
Sat Aug 10, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 110
Views: 6819

Re: First 20% of bonds in long-term Treasuries

Fortunately, I have access to TIAA Traditional, which I use for my entire fixed income allocation (20% of my portfolio).
by oldzey
Fri Aug 09, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 9201

Re: Pretty much broke --- what would you advise?

Annutizing the 50K in savings might be a consideration, in addition to the prior suggestions.
by oldzey
Thu Aug 08, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Bouncy, bouncy... bouncy, bouncy

https://www.youtube.com/watch?v=z5jrqe8ryJ8
by oldzey
Thu Aug 08, 2019 11:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Doom&Gloom wrote:
Thu Aug 08, 2019 11:42 am
Dead cats bounce to the heavens!
... and there's a whole dead cat in every bar of Dead Cat Soap.
by oldzey
Wed Aug 07, 2019 9:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

ImUrHuckleberry wrote:
Wed Aug 07, 2019 2:54 pm
Looks like the world will have to end on a different trading day.
dogagility wrote:
Wed Aug 07, 2019 4:31 pm
Time to get out of the mar... whoops, spoke to soon.
Syrio says:

Image
by oldzey
Tue Aug 06, 2019 3:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Thanks go to my HR Dept., for waiting until after the weekend to process my 403b monthly contributions (equities were 3% cheaper on Monday).

Thanks also go to Mr. Market, for the 1.5% bounce back on Tuesday.

Not a bad start to the week. 8-)
by oldzey
Tue Aug 06, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

I'd like to announce my new investment strategy: I'll only be in the markets on Tuesdays. :moneybag :moneybag :moneybag https://i.imgur.com/dqzA6rC.png I can't lose! h/t https://www.wsj.com/articles/welcome-to-turnaround-tuesday-11565080984?shareToken=st7921150e8f01442c8a7194bc6f48c13d Excellent pl...
by oldzey
Tue Aug 06, 2019 12:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

There's blood in the streets, it's up to my ankles...

https://www.youtube.com/watch?v=22GEvDupWGo
by oldzey
Mon Aug 05, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

J G Bankerton wrote:
Mon Aug 05, 2019 3:08 pm
Random Poster wrote:
Mon Aug 05, 2019 12:47 pm
Vanguard's webpage and iphone app are running extremely slow for me. It is downright non-responsive, really.
Sorry, my buy bots overloaded the system.
Boom!
by oldzey
Mon Aug 05, 2019 2:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

Good morning, Mr. Market. Going down?

https://www.youtube.com/watch?v=h3Yrhv33Zb8
by oldzey
Mon Aug 05, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026682

Re: U.S. stocks in free fall

At the moment, this Monday is shaping up to be a bona fide Livesoft RBD™.
by oldzey
Mon Jul 29, 2019 11:31 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 17260

Re: Why Mr. Bogle prefers U.S stocks

ReformedSpender wrote:
Mon Jul 29, 2019 8:21 am
venkman wrote:
Mon Jul 29, 2019 12:12 am
"Nobody knows nothin'. Except that you don't need international stocks. That's totally knowable."
lol

:mrgreen:
lol

8-)
by oldzey
Sun Jul 28, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 17260

Re: Why Mr. Bogle prefers U.S stocks

Just going to put this here... https://www.youtube.com/watch?v=P54trh0Rre8 Thanks, PackersFan12! Here's some other similar videos about Mr. Bogle's preference for U.S. stocks: Here's Why Jack Bogle Doesn't Like Investing In Foreign Markets Vanguard Founder Jack Bogle on Mutual Funds, Common Sense I...
by oldzey
Sun Jul 28, 2019 12:51 am
Forum: Personal Investments
Topic: The new 1 fund portfolio
Replies: 57
Views: 8108

Re: The new 1 fund portfolio

As a 1 fund portfolio (which has healthily outperformed both VTWAX and VTIAX since inception), VTSAX has the additional benefit of sparking joy.

Image
by oldzey
Sat Jul 27, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 436
Views: 58706

Re: Why go with an 80% stock / 20% bond portfolio?

80% equities and 20% stable value funds comprise my current AA.
by oldzey
Sat Jul 27, 2019 9:03 pm
Forum: Personal Investments
Topic: The new 1 fund portfolio
Replies: 57
Views: 8108

Re: The new 1 fund portfolio

Let's go back 23 years, to the inception date of VTIAX, and compare its performance with VTSAX: M* Chart
by oldzey
Sat Jul 27, 2019 6:03 pm
Forum: Personal Investments
Topic: The new 1 fund portfolio
Replies: 57
Views: 8108

Re: The new 1 fund portfolio

Hello, I have about 20k in cash and about 60k in my brokerage account in which I've picked individual stocks. I want to do 1 fund portfolio as I can simply just add money monthly, currently 23 years of age. The real question is should it be invested in VTSAX or VTWAX. I've come upon the new VTWAX f...
by oldzey
Fri Jul 26, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Another record high for the S&P 500!

Have a great weekend! :beer

Image
by oldzey
Wed Jul 24, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Soaring higher and higher!

https://www.youtube.com/watch?v=mzDVaKRApcg
oldzey wrote:
Mon Jul 01, 2019 1:59 pm
Soar high in July, U.S. stocks!

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by oldzey
Wed Jul 24, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 44
Views: 4533

Re: Accord approaching 100k miles, how to push it beyond

Basically, do the maintenance specified in the manual at the intervals they recommend. That's worked well for me driving several Hondas past 250,000 miles. Beyond that, check forum discussions to find common issues and how to avoid or fix them. Knowing about them in advance can save time and money....
by oldzey
Wed Jul 24, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 62
Views: 4883

Re: Apollo 11 (In Real Time)

Splashdown! :beer
by oldzey
Tue Jul 23, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 62
Views: 4883

Re: Apollo 11 (In Real Time)

Apollo 11 just crossed the halfway point back to Earth (-50 years).
by oldzey
Mon Jul 22, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Sandals with arch support
Replies: 30
Views: 2613

Re: Sandals with arch support

Birkenstock Arizona is what I would start with.
by oldzey
Mon Jul 22, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 62
Views: 4883

Re: Apollo 11 (In Real Time)

Apollo 11 is currently returning to earth (-50 years).
by oldzey
Mon Jul 22, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5119

Re: Whole Bean Coffee: Worth the effort?

I buy the cheapest coffee I can find in bulk - which is already ground.
by oldzey
Sun Jul 21, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 62
Views: 4883

Re: Apollo 11 (In Real Time)

There have been some entertaining videos related to coffee. :happy I saw a video earlier this afternoon focused upon a sign in the NASA cafeteria encouraging workers to enjoy a free cup of coffee. Speaking of videos, here's a great one about the onboard LEM computer: https://www.wsj.com/articles/an-...
by oldzey
Sun Jul 21, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital
Replies: 18
Views: 1890

Re: Personal Capital

I used to use Personal Capital, but I did not use it for rebalancing.

Personal Capital worked well as an aggregator, but it had difficulty categorizing two of my TIAA-specific holdings (TIAA Traditional and TREA).

I have since reverted to using an Excel spreadsheet for tracking my portfolio.
by oldzey
Sun Jul 21, 2019 5:23 pm
Forum: Investing - Theory, News & General
Topic: One bad decision - examples?
Replies: 67
Views: 6789

Re: One bad decision - examples?

Sector funds (in my case, energy).

Never again. :oops:
by oldzey
Sun Jul 21, 2019 4:54 pm
Forum: Personal Investments
Topic: International Bond Fund - yes or no?
Replies: 61
Views: 4884

Re: International Bond Fund - yes or no?

As a U.S. investor, I'm with Jack.

0% International works for me!

:beer
by oldzey
Sun Jul 21, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 62
Views: 4883

Re: Apollo 11 (In Real Time)

Eagle is about ready to dock with Columbia (- 50 years). :beer

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by oldzey
Sun Jul 21, 2019 12:44 pm
Forum: Personal Investments
Topic: Gold?
Replies: 137
Views: 7486

Re: Gold?

I stick with stocks and bonds and don't own gold anymore. Whenever I'm tempted to buy gold, I pull up this chart to remind myself that there are better things to invest in.

Image
by oldzey
Sat Jul 20, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 62
Views: 4883

Re: Apollo 11 (In Real Time)

NASA is also broadcasting the television replay in real time: https://www.youtube.com/watch?v=iR3oXFFISI0