Search found 1672 matches

by Trader Joe
Thu May 28, 2020 6:12 pm
Forum: Personal Investments
Topic: Have you been following your IPS?
Replies: 30
Views: 1051

Re: Have you been following your IPS?

My IPS is 55%/45%, including 1x expenses in cash/savings and rebalancing using 5% bands. In March, as Rome burned, I couldn't wait for the 5% trigger and bought stocks at 20% down and again at 30% down to rebalance. This month, I decided 2x expenses should be my new normal cash holding level. When ...
by Trader Joe
Mon May 25, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 65
Views: 3521

Re: New Vehicle: Forester or Rav4 for boglehead couple

My wife and I decided it's time to update our main car. We have our first baby on the way and our current car is older and has a fair amount of miles on it, so I'd like to get something with newer safety features, some convenience features, and less worry about reliability. Here's some info about u...
by Trader Joe
Mon May 25, 2020 5:03 pm
Forum: Personal Investments
Topic: I have no risk tolerance: where am I supposed to keep my money?
Replies: 73
Views: 6288

Re: I have no risk tolerance: where am I supposed to keep my money?

It's a somewhat tongue-in-cheek question but I'm also somewhat serious. Recent market volatility is making me sick, to the point where I've learned that I'm not sure I can handle it. I am not so idealistic as to believe that stocks always go up. The stock market did not recoup it's 1929 crash until...
by Trader Joe
Sun May 24, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Would you buy a new car without a spare tire?
Replies: 21
Views: 1006

Re: Would you buy a new car without a spare tire?

My 13 year old Honda Oddyssey is beginning to cost too much in repairs and I am considering replacing it with a Honda CRV. I prefer the Hybrid which costs an extra $1,200 but it comes with a tire repair kit instead of a spare tire as the battery taks up the space for the spare on the non hybrid ver...
by Trader Joe
Sat May 23, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: Do you hold commodities?
Replies: 26
Views: 1593

Re: Do you hold commodities?

Thanks to Ray Dalio, I've started thinking about all-weather, and one of the assets class that intrigued me, from Ray and Jim Roggers' books is that commodities (grains, softs, livestocks notably) are much more real than others such as stocks. In good times and bad times people always need to eat. ...
by Trader Joe
Sat May 16, 2020 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 3730

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

Hi everyone, quick personal finance question (driven - no pun intended - specifically by the current pandemic): Should I pay off my car loan (5 years and $34,600 remaining @ 3.99% / $636/mo) or keep the cash, given the current economic / public health uncertainty? If I don’t pay off the car, I’ll h...
by Trader Joe
Fri May 15, 2020 7:49 pm
Forum: Non-US Investing
Topic: The Mighty USD
Replies: 47
Views: 3362

Re: The Mighty USD

galeno wrote:
Fri May 15, 2020 4:27 pm
Any guesses on whether the USD will continue stronger or weaker over the next 10 years?
No guesses here. Tune out the noise and stay the course.
by Trader Joe
Fri May 15, 2020 7:48 pm
Forum: Personal Investments
Topic: Stop me from market timing!
Replies: 36
Views: 2468

Re: Stop me from market timing!

With all that's going on, I'm having a tough time keeping my mind from wandering into thoughts of market timing. A part of me keeps thinking this time will be different . Every new update (record-setting stimulus packages, employment rates, etc.) makes me think I should be exiting the market now an...
by Trader Joe
Wed May 13, 2020 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 85
Views: 5606

Re: Employer cut 403b contribution to zero

Hello Bogleheads. Today, my employer - a research-one university - announced that for the coming fiscal year, there would be no employer contributions to our 403b plans. My contribution has been close to 10k a year. I have maxed my own contributions for the last 14 years. I am 43 and think it very ...
by Trader Joe
Wed May 13, 2020 5:37 pm
Forum: Personal Investments
Topic: Thoughts on investing in Pre-IPO Companies?
Replies: 17
Views: 776

Re: Thoughts on investing in Pre-IPO Companies?

I'm thinking of taking a certain % of my asset allocation, say 5-7%, and buying shares in pre-IPO companies. Has anyone here done this? What platforms have you used? What have your results been? Any tips? Also, does anyone have thoughts on pre-IPO companies you think are particularly compelling inv...
by Trader Joe
Tue May 12, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Used Car for Son
Replies: 20
Views: 1234

Re: Buying Used Car for Son

I'm trying to find a first car for my 19-year-old son. Help me think something through. One model we are looking at is the Hyundai Elantra. There are two available locally that are exactly the same price ($5,900) and let's assume for now that they are in essentially equivalent mechanical condition....
by Trader Joe
Tue May 12, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: Experts say now is not the time to buy into index fund
Replies: 38
Views: 4515

Re: Experts say now is not the time to buy into index fund

so there are experts who suggest we put money into specific companies that people can't live without during this crisis. The companies named include those in biotech, cloud tech and to specifically name one example, Zoom. One big name expert out there who carries a moustache says now isn't the time...
by Trader Joe
Fri May 08, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8270

Re: Percentage of savings to "prepping"?

For those Bogleheads that are also "preppers", what percentage of your annual savings do you divert to the prepper stockpile? If not a set percentage, is there some other standard that you apply for how much food, water, and other goods you store? For example, in a religious sect that I used to be ...
by Trader Joe
Fri May 08, 2020 9:48 am
Forum: Non-US Investing
Topic: Forecast new COVID wave in Autumn and dollar cost averaging
Replies: 11
Views: 1608

Re: Forecast new COVID wave in Autumn and dollar cost averaging

I started investing in March 2020, a total newbie. O bought my stocks on March the 23rd, to be precise. That was lucky, because I unknowingly bought my stocks when they were at their cheapest (I paid 4.9 per share in my all world ETF and the price now is 6.2). Of course I now wish I had gone lump s...
by Trader Joe
Thu May 07, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3645

Re: Will a vpn complicate or improve my internet experience?

Received an email from the folks at McAfee offering free vpn service. A casual internet search indicates I would be better off going with a fee for service vpn provider. While I am comfortable using a computer I still hesitate installing or dealing with any new software. Can someone advise me as to...
by Trader Joe
Thu May 07, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy this annuity?
Replies: 18
Views: 1249

Re: Should I buy this annuity?

Age 80, retired, comfortable income. My wife and I have over $2 million in Vanguard Intermediate Tax-Exempt, current distribution yield about 2.5% tax free; expect this to decrease as SEC yield is 1.83%. I'm thinking of taking $500,000 of this to buy an SPIA from NY Life (rated A++), dual life, 100...
by Trader Joe
Wed May 06, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169662

Re: What frugal thing did you do today?

I spent $0.00 today. No need to spend. Extremely frugal day.
by Trader Joe
Wed May 06, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car?
Replies: 26
Views: 1345

Re: Pay off car?

I currently have about 14 K left on my car. It is at 0 APR. I don't like the idea of debt but I can't currently talk myself into paying it off because it is at 0%. I remember my insurance saying I could only have a 1K deductible if I am carrying a loan but can go up to 2K deductible if it is paid o...
by Trader Joe
Wed May 06, 2020 6:40 pm
Forum: Personal Investments
Topic: [Does anyone own American Century Value Fund TWVLX?]
Replies: 5
Views: 262

Re: [Does anyone own American Century Value Fund TWVLX?]

FundLaw wrote:
Wed May 06, 2020 6:05 pm
[Moved into a new thread from: American Century mutual funds --admin LadyGeek]

Does anyone own or have you recently bought Am. Century Value Fund TWVLX?
No I do not. That expense ratio is way, way too high.

I only invest in VFIAX/VTSAX.
by Trader Joe
Wed May 06, 2020 6:37 pm
Forum: Investing - Theory, News & General
Topic: Why do investors care when the market goes down?
Replies: 47
Views: 1758

Re: Why do investors care when the market goes down?

We have seen time and time again after large crashes there are even bigger recoveries. Why do investors care so much when the market goes down? :confused Speaking for myself I do not care. At all. I continue to buy in accordance with my own investment plan. The market being up or down does not inte...
by Trader Joe
Wed May 06, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3128

Re: Craigslist - are these scams?

I recently listed an item on Craigslist (kayak for $450) & within a few hours received 2 email responses. Do you think these are scame? Is so, what would these folks hope to gain? Here are the 2 responses - let me know what you think. (1) Receive email from a woman with a typical American sounding ...
by Trader Joe
Wed May 06, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: RV vacations for Post Coronavirus Traveling?
Replies: 16
Views: 1319

Re: RV vacations for Post Coronavirus Traveling?

Spoke with a friend of mine recently that always had an interest in RV but never pulled the trigger. He has a big family with kids on travel sports team so they go to a lot of out of town tournaments. With the coronavirus situation now, he is actively look to get a used RV. With recession looming, ...
by Trader Joe
Wed May 06, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: Total market or S&P 500?
Replies: 44
Views: 3580

Re: Total market or S&P 500?

When I google the comparison, articles seem to say total market is better because of the greater diversification and also average annual returns. But when I compare VOO and VTI on portfoliovisualizer.com, it seems that VOO provides better average annual returns with lower volatility. Right now, my ...
by Trader Joe
Wed May 06, 2020 6:07 pm
Forum: Personal Investments
Topic: VFIAX AND VTSAX ?
Replies: 16
Views: 907

Re: VFIAX AND VTSAX ?

Hi everyone, I found out that my husband has some invested in VFIAX . Investing is a very new option for me and I did fill out the Portfolio questionaire https://www.bogleheads.org/forum/viewtopic.php?f=1&t=314058 but I know I need to update it with my husband's 401k info. We usually are on the sam...
by Trader Joe
Wed May 06, 2020 6:04 pm
Forum: Personal Investments
Topic: Please help me get out of international
Replies: 64
Views: 3317

Re: Please help me get out of international

I currently hold 12% of my portfolio in total international stocks. I did it just because I felt I had to, but the more I think about it, the more I realize I just don't think the international market is going to outperform America in the long term. My current allocation is 78/12/10 with the 78 in ...
by Trader Joe
Wed May 06, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3226

Re: Should you tip landscapers?

We are having major landscaping done - rock retaining wall, new patio, fixing a major drainage issue. We selected a fairly big company with bull-dozers and excavators. They have seemingly unlimited ability to replace clay with gravel and sand. The foreman assigned to our project works hard for long...
by Trader Joe
Mon May 04, 2020 7:44 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13123

Re: Is Disney the most tempting value stock?

Hello all, I bought some Disney for my funny money account in early April while it was under $100 per share. I told myself I would consider buying more of it if it crossed under $100 again, and it looks like that might happen this week. I am obviously tempted, and I wanted to reach out to you all, ...
by Trader Joe
Mon May 04, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question
Replies: 84
Views: 6242

Re: Amazon Prime Membership Question

**Understandably**, Amazon has mostly been delivering my packages in excess of 2 days, often up to 2-3 weeks since the beginning of March. Basically, I am no longer receiving some of the value I pay for, with my monthly Amazon Prime payment. I am considering dropping the membership, since the quick...
by Trader Joe
Mon May 04, 2020 6:52 pm
Forum: Personal Investments
Topic: Anyone use Acretrader?
Replies: 6
Views: 476

Re: Anyone use Acretrader?

renegade06 wrote:
Mon May 04, 2020 6:31 pm
Hi - I was curious if anyone uses AcreTrader? I’m curious about your experience. I was curious about investing in farmland for a slice of my real estate/alternatives section of my portfolio. Thanks!
No, I do not use Acretrader.
by Trader Joe
Sun May 03, 2020 5:15 pm
Forum: Personal Investments
Topic: Want all stock, no bonds...how to?
Replies: 15
Views: 1520

Re: Want all stock, no bonds...how to?

Hi I’m 28 and I have a Roth, 401k and personal...I’m not having any problems or flinching one bit now that my stocks are way down...if it went much more I wouldn’t care either, I have confidence and I know this is the process...this is making me want to sell my bonds..here’s my current portfolio 40...
by Trader Joe
Fri May 01, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3388

Re: Is it safe to store financial statements in the cloud?

tvubpwcisla wrote:
Fri May 01, 2020 7:22 am
Does anyone store their financial statements in the cloud and is it safe?

Microsoft OneDrive
Google Drive
Amazon S3 Bucket

etc...
No, absolutely not.
by Trader Joe
Mon Apr 27, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep cold hard cash in your home?
Replies: 22
Views: 1256

Re: Do you keep cold hard cash in your home?

tomwood wrote:
Mon Apr 27, 2020 4:35 pm
Other than some pocket change in your purse/wallet, does anyone hold physical dollar bills in their home? If so, roughly how much? Under $1k? About 5k? 10k or more?

Any advantages or disadvantages to holding onto cash at home?
Why do you ask?
by Trader Joe
Mon Apr 27, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle - delivery
Replies: 19
Views: 1724

Re: Side Hustle - delivery

I have one side hustle but I was reading that going forward this virus is going to completely change our economy, which I agree with, and restaurants will be mostly pickup and delivery for a long time, and they will need ot hire something like 300K delivery people. Has anyone done delivery? Is it w...
by Trader Joe
Sun Apr 26, 2020 11:09 pm
Forum: Personal Investments
Topic: Gold vs Mining Stocks?
Replies: 17
Views: 1256

Re: Gold vs Mining Stocks?

So I've been doing some due diligence and trying to read about gold stocks, and there is a lot of bull talk about miners, NEM, FNV, AEM, KL yadda yadda if your in this conversation these are familiar. Anyways I know these are mining stocks so basically you're investing in a hole in a ground hoping ...
by Trader Joe
Sun Apr 26, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: In your experience, what is the credit card with the best customer service?
Replies: 36
Views: 2038

Re: In your experience, what is the credit card with the best customer service?

In trying to maximize cashback and churning, I've ended up with a lot of credit cards. These days I've been looking for ways (large and small) to simplify my life. I'm probably not going to close any accounts, but I am looking to just consolidate my spending on maybe 1-2 cards. What card(s) have co...
by Trader Joe
Sun Apr 26, 2020 4:51 pm
Forum: Personal Investments
Topic: S&P 500 vs Total Market Index funds
Replies: 67
Views: 5166

Re: S&P 500 vs Total Market Index funds

invester123 wrote:
Sun Apr 26, 2020 3:57 pm
New young investor - this is for long term investing. If you were to start today, would you use VTSAX or VFIAX as your core fund?

Thanks
I invest in both. There is no significant difference. Both are great investment choices.
by Trader Joe
Sun Apr 26, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5665

Re: Toyota vs. Kia Quality & Longevity

A decade ago, Kia quality was nowhere near Toyota. It was obvious to me that they had sought out the lowest-cost suppliers for each component without paying much attention to quality or longevity. The paint scratched if you looked at it wrong, and the steel rusted quickly where I live in the salty ...
by Trader Joe
Sun Apr 26, 2020 3:56 pm
Forum: Personal Investments
Topic: Invest in TIPS?
Replies: 10
Views: 871

Re: Invest in TIPS?

I remember the stagflation in the late 70's after our government printed money to pay for the Vietnam war, and the pain we went through well into the 80's with double digit inflation and interest rates as Paul Volker did his magic. I do not believe in MMT (Modern Monetary Theory) that governments c...
by Trader Joe
Sat Apr 25, 2020 6:50 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6971

Re: Go or no go on Carnival cruise

gwe67 wrote:
Sat Apr 25, 2020 5:31 pm
We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts?
I would cancel right now.
by Trader Joe
Sat Apr 25, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where do I go on the Vgd web site to see cap gains from sales earlier this year?
Replies: 5
Views: 322

Re: Where do I go on the Vgd web site to see cap gains from sales earlier this year?

tc101 wrote:
Sat Apr 25, 2020 6:01 pm
Where do I go on the Vanguard web site to see capital gains from sales earlier this year?
For all Vanguard questions I would contact Vanguard directly.
by Trader Joe
Thu Apr 23, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: Google to cut marketing budgets by as much as half
Replies: 6
Views: 1397

Re: Google to cut marketing budgets by as much as half

A member of FANG is cutting budgets and freezing hiring for rest of the year: Google to cut marketing budgets by as much as half The drastic moves come a week after Alphabet CEO Sundar Pichai said Google would be pulling back on some of its investments for the rest of the year amid the Covid-19 cri...
by Trader Joe
Tue Apr 21, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9218

Re: Parents want me to pay off their mortgage in exchange for title

I wrote about my parents' financial issues before, their small business is in absolutely dire straits now. Their primary (and only) asset is their primary residence. Comparable sales were about $550k prior to the pandemic. They owe about $180k. My parents made me the following proposition. I pay of...
by Trader Joe
Tue Apr 21, 2020 7:34 pm
Forum: Personal Investments
Topic: Looking to put 100k in VFIAX
Replies: 28
Views: 2425

Re: Looking to put 100k in VFIAX

My current financial situation Age 36 401k 415k TD Ameritrade Brokerage 100k (trade individual stocks) Roth IRA 21k Own house outright 492k 182k in cash in savings account I’m looking to put an additional 100k in VFIAX and fund monthly 2-3k for next 30 years as a good passive index fund investment....
by Trader Joe
Tue Apr 21, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Is walking enough cardio exercise if I also lift weights?
Replies: 65
Views: 4895

Re: Is walking enough cardio exercise if I also lift weights?

I'll be honest, I hate doing cardio with a passion. I lift weights (now at home with dumbbells) 3x a week. I also walk maybe 1.5-2 miles 4-5 times a week with the spouse. Do I need to add more cardio? I was thinking of maybe doing 1-2 HIIT sessions at home as well. As far as goals, it's only health...
by Trader Joe
Mon Apr 20, 2020 7:18 pm
Forum: Personal Investments
Topic: Share your experience if you timed the market
Replies: 38
Views: 2300

Re: Share your experience if you timed the market

Did you time the market during this recession? Or shortly before it. How did go? Or how is it going so far? Did you lose big? Win big? Any regret? Please share your experience. No experience here. I never try to time the market. Ever. I am staying the course and this strategy has worked out great.
by Trader Joe
Mon Apr 20, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to keep this universal life policy?
Replies: 6
Views: 407

Re: Any reason to keep this universal life policy?

Parents purchased a Thrivent Horizon universal life insurance policy for me in 1985. My instinct is to surrender it, take the cash, and give it back to them. Broker says, “We can get that rolling anytime. But I want to make sure you understand what you're giving up. This legacy policy is structured...
by Trader Joe
Sat Apr 18, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4245

Re: How to get Liquid Hand Soap? seriously.

yosemite_mountain wrote:
Sat Apr 18, 2020 3:28 pm
How do I get Liquid Hand Soap online? Its sold out everywhere...
My local grocery stores have plenty on the shelf. I was just there yesterday.

Dawn is wonderful.
by Trader Joe
Sat Apr 18, 2020 5:35 pm
Forum: Investing - Theory, News & General
Topic: Impact of charitable donations to economy during crisis
Replies: 13
Views: 597

Re: Impact of charitable donations to economy during crisis

I guess it is a drop in the bucket in the context of a trillion dollar economy, but should there be some positive impact from all the charitable donations being directed to consumers (e.g. GoFundMe has thousands of these set up for local and national causes impacted by the pandemic, plus some rich ...
by Trader Joe
Sat Apr 18, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Should I give blood now?
Replies: 23
Views: 1420

Re: Should I give blood now?

tennisplyr wrote:
Sat Apr 18, 2020 3:37 pm
I routinely donate blood several times a year. I'm reluctant to give now given concerns about the corona virus. What do you think? Have you given lately? DW is very nervous.
No, I would not give blood at this time. I am putting this off. Way too dangerous.