Search found 175 matches

by perl
Thu Mar 19, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Itching to increase my stock allocation during the bear market
Replies: 21
Views: 1315

Re: Itching to increase my stock allocation during the bear market

I'm considering this also. But it's not in my IPS, so I can't do it now. And changes to my IPS require a year cooling-off period, so changing now would violate my IPS. It's a problem.
by perl
Wed Mar 18, 2020 8:48 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190889

Re: Bogleheads community discussion - Coronavirus

American exceptionalism is going to make us the world leader in COVID-19 cases. We can do this! USA! U!S!A!
by perl
Tue Mar 17, 2020 12:32 am
Forum: Investing - Theory, News & General
Topic: Poll - How much of a crash are you predicting?
Replies: 82
Views: 5356

Re: Poll - How much of a crash are you predicting?

D. 60%.

I'm not selling because I know my prediction is worth the paper it's printed on.
by perl
Sat Mar 14, 2020 10:58 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296834

Re: What happens if the Fed cuts to zero, but the Coronavirus situation drastically IMPROVES starting next week?

A close family member is a possible COVID-19 patient. It took two days to get the test swab. Test results will take 5-7 days. Just the testing (not the cases) are days behind at this point.
by perl
Fri Mar 13, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing into stocks when they fall is unrealistic
Replies: 126
Views: 10577

Re: Rebalancing into stocks when they fall is unrealistic

Of course it's realistic. This is like saying "it's unrealistic to breathe air." Sure, if you're a fish you can't breathe air. That doesn't mean mammals don't exist.

We need to learn to own up to our failings. You are discovering one of yours.
by perl
Fri Mar 13, 2020 2:15 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190889

Re: Bogleheads community discussion - Coronavirus

A close family member was ordered by his doctor to get tested for COVID-19 but can't get tested. It's a complete mess. Even for someone with symptoms, negative for other respiratory pathogens, and risk factors.

This is going to get bad.
by perl
Thu Mar 12, 2020 3:31 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190889

Re: Bogleheads community discussion - Coronavirus

So, I'm just curious. If you get it, how long does it last (assuming you recover)? I'd like to know this also. Median time to be free of the virus is 20 days. If you don't die. People that die shed the virus up until death. "Median duration of viral shedding was 20·0 days (IQR 17·0–24·0) in survivo...
by perl
Thu Mar 12, 2020 9:44 am
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14070

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

I'm enjoying this. I like market crashes. Dealing with events like these calmly is why we get the big bucks.
by perl
Wed Mar 11, 2020 9:56 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190889

Re: Bogleheads community discussion - Coronavirus

A staffer of Senator Maria Cantwell has test positive for COVID-19.
by perl
Wed Mar 11, 2020 5:36 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190889

Re: Bogleheads community discussion - Coronavirus

https://medium.com/@tomaspueyo/coronavirus-act-today-or-people-will-die-f4d3d9cd99ca When you’re done reading the article, this is what you’ll take away: The coronavirus is coming to you. It’s coming at an exponential speed: gradually, and then suddenly. It’s a matter of days. Maybe a week or two. W...
by perl
Mon Mar 09, 2020 11:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631312

Re: U.S. stocks in free fall

305pelusa wrote:
Mon Mar 09, 2020 7:49 am
I low-key want to see a 20% drop in a day and hit the maximum circuit breaker. I just think it'd be cool to be part of a historical day.
Yes. If we're going to free fall let's do it right.
by perl
Sun Mar 08, 2020 11:40 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190889

Re: Coronavirus and the market

Ok, let's pretend that "it's just the flu." A new strain of flu that No one has any immunity to (a major factor that limits the impact of influenza) We don't have a vaccine for (a major factor that limits the impact of influenza) Requires hospitalization for 20% of people who catch it Has a much hig...
by perl
Thu Mar 05, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631312

Re: U.S. stocks in free fall

Yay! A market downturn. This is fun.

Wonder if I've hit a rebalancing band.
by perl
Sun Mar 01, 2020 8:43 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190889

Re: Bogleheads community discussion - Coronavirus

Tangential, but I haven't been able to find the answer with some half-serious searching. We've all seen pictures like this one--in fact they might all be copies of the same picture: https://imgur.com/ByOx4Zj.png What, exactly, are we looking at here? That is, what is the technology used for imaging...
by perl
Fri Feb 28, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296834

Re: Coronavirus and the market

The comments in this thread are bonkers. It would be good if old people die to lower pension costs? Really? So are you volunteering to die to lower costs for everyone else? Time to put up or shut up. Previous epidemics weren't that bad so the experts are wrong? Really? Do you know why previous epide...
by perl
Mon Feb 24, 2020 11:51 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296834

Re: Coronavirus and the market

Don't spread conspiracy theories about a weapons research source for the current virus. It has been sequenced and there is no evidence for this, it is closely related to know wild coronaviruses. Good grief. Referring to CDC and WHO workers as politicians is bizarre. They are scientists and public he...
by perl
Sat Feb 22, 2020 5:19 pm
Forum: Personal Investments
Topic: Backdoor ROTH excess contributions?
Replies: 4
Views: 279

Re: Backdoor ROTH excess contributions?

Roth is a name, not an acronym. Only the initial r is capitalized.
by perl
Mon Feb 17, 2020 10:59 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296834

Re: Coronavirus and the market

Well, if your anxiety disorder is making you focus on possible coronavirus impacts, you might as well freak out over this: https://www.sciencemag.org/news/2020/02/disruption-enormous-coronavirus-epidemic-snarls-science-worldwide Concern is also rising that the availability of medicines could soon fa...
by perl
Wed Feb 12, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Authority/Old National or Optum Bank for HSA? Other?
Replies: 18
Views: 1133

Re: HSA Authority/Old National or Optum Bank for HSA? Other?

I am using Optum because it's my work provider and I hate them. The website is ridiculously slow, poorly laid out, and frequently breaks.

My partner's HSA is at Fidelity. It is reasonable.
by perl
Mon Jan 27, 2020 12:06 am
Forum: Investing - Theory, News & General
Topic: Permanent losses possible in US stocks?
Replies: 37
Views: 3057

Re: Permanent losses possible in US stocks?

Permanent losses in US stocks are guaranteed. Eventually. Someday there will be no stock market.

Someday our sun will burn out.

Someday our galaxy will be gone.

Our minds cannot grasp the vastness of time.
by perl
Sun Jan 26, 2020 12:52 am
Forum: Investing - Theory, News & General
Topic: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?
Replies: 113
Views: 5782

Re: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?

I was 100% stocks both in 2000-02 and 2007-09. I was young, and I thought my risk tolerance was high. I learned that my risk tolerance is even higher than I thought. I enjoyed watching the turmoil. I found it easy to stay the course and rebalance (between international, small, value, and large) and ...
by perl
Sun Jan 26, 2020 12:31 am
Forum: Personal Consumer Issues
Topic: Thicker/Flatter Dental Floss or Tape?
Replies: 34
Views: 2509

Re: Thicker/Flatter Dental Floss or Tape?

J&J Listerine Gentle Gum Care is stranded/braided. Very soft. Hygienist recommended because the braiding picks up better. I like it because it is very comfortable. (be a little cautious if your teeth are very tight. can pull apart, get stuck as you are taking it out) This. I have sensitive gums and...
by perl
Tue Jan 07, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29596

Re: Quicken 2019 and forward

I'm trying out using Quicken for the first time.

Is there a way to get past (way past, 20+ years) of transaction data from Vanguard to import into Quicken? Or will I have to do it by hand?
by perl
Mon Jan 06, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: New year, new financial software?
Replies: 4
Views: 791

Re: New year, new financial software?

Any experience with Tiller?
by perl
Sun Jan 05, 2020 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: New year, new financial software?
Replies: 4
Views: 791

New year, new financial software?

The only financial software I pay for is YNAB 4 (the old version), and I combine that with custom spreadsheets for investment tracking. YNAB 4 support is ending, and I'd like something more comprehensive that doesn't require me to enter so much by hand. What do you recommend for personal finance sof...
by perl
Mon Dec 30, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5801

Re: Has anyone done Whole 30? [Diet]

Yes, I tried Whole 30. It made me quite ill.
by perl
Sun Nov 24, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: "All-Time Highs Are Usually Followed By All-Time Highs."
Replies: 25
Views: 3072

Re: "All-Time Highs Are Usually Followed By All-Time Highs."

This article is wrong because it uses "all-time high" incorrectly. I really wish people would learn the meaning of "all-time" and use it correctly. It means for all of time, present, past, and future. There is only one all-time high of the market because there is only one point in time when it is th...
by perl
Wed Nov 06, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897269

Re: What's Your Credit Card Rewards Strategy?

Thanks for all the suggestions.
by perl
Tue Nov 05, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897269

Re: What's Your Credit Card Rewards Strategy?

I would like to get suggestions for a credit card strategy. In the past I have just done the Citi Cash 2% card and the Costco Visa, but I am now going to be doing much more travel and wonder if some combination of travel cards would be better. Reading through the different options is so confusing, I...
by perl
Tue Oct 15, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Inappropriate touching in a workplace- What is the best act?
Replies: 28
Views: 2477

Re: Inappropriate touching in a workplace- What is the best act?

Do not do not do not do not assume that the employer will be helpful or on your wife's side. I know too many people in similar situations (or worse - severe sexual harassment, stalking) who were not helped at all by the employer. I would talk to a lawyer ASAP and definitely would not go to the next ...
by perl
Tue Oct 15, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: learning about consulting side job - taxes, etc.
Replies: 6
Views: 910

learning about consulting side job - taxes, etc.

I am considering taking an ongoing side position as a consultant/independent contractor, which has been offered to me by a specific company. This is allowable by my current employer, with time limits. I haven't had such a position before and would like to know what I should consider and learn before...
by perl
Thu May 23, 2019 11:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631312

Re: U.S. stocks in free fall

Historically the market has been this volatile or more, yes. That is why we get the big bucks. I love this thread because I love stock market crashes. I particularly love coming to this thread to write about how I enjoy stock market crashes, so that I can be scolded by superstitious people who think...
by perl
Thu May 23, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7914

Re: Is Tesla Going To Survive?

In the long run, nothing survives.
by perl
Tue Mar 12, 2019 6:08 am
Forum: Investing - Theory, News & General
Topic: My name is _____, & I am a MARKET TIMER.
Replies: 109
Views: 8414

Re: My name is _____, & I am a MARKET TIMER.

If you want to stop market timing, get treatment for your anxiety disorder.

No, I'm not actually diagnosing you over the internet. But many behavioral mistakes in finance are driven by fear of loss. If the worry is that intense, get help for it.
by perl
Thu Jan 31, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Use of DAC
Replies: 11
Views: 878

Re: Use of DAC

I thought this thread was about dollar cost averaging with a typo in the acronym in the title
by perl
Mon Jan 28, 2019 12:05 am
Forum: Personal Investments
Topic: TIAA retirement Advisor tool: the Ultimate Slice and Dice tool..
Replies: 3
Views: 565

Re: TIAA retirement Advisor tool: the Ultimate Slice and Dice tool..

For real though you should think about TIAA real estate.
by perl
Wed Jan 16, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11900

Re: Have I Now Become Out of Touch Financially? Aging question...

It's a combination of living in a wealthy, high-cost area and being somewhat out of touch. Houses in high-cost areas are expensive (my area is similar). Wealthy people like to buy expensive cars, and vehicles in general cost a lot. But yes, prices go up. $20 for breakfast seems reasonable to me. $4 ...
by perl
Tue Jan 08, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: "Road Scholar" Travel
Replies: 18
Views: 2568

Re: "Road Scholar" Travel

Road Scholar used to be Elderhostel, so they have a long history.

An older friend of mine took one of their trips last month and was very positive about it.
by perl
Mon Dec 17, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)
Replies: 34
Views: 4212

Re: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)

I have an uplift desk that I got a couple years ago. It works great and is well made, I'm quite happy with it.
by perl
Fri Dec 14, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: objective data on quietest cars?
Replies: 26
Views: 4376

Re: objective data on quietest cars?

If you want quiet, you want an electric car.
by perl
Wed Dec 12, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 8317

Re: Is a New Car Okay if Driven 15+ Years?

You get to make your own financial decisions. You don't need bogleheads to give you permission. The new/used split is much smaller than it used to be. I have bought new cars because with the right timing and negotiation, purchasing new cost less than a couple year old used model. Even if the new mod...
by perl
Sun Dec 09, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4822

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

I wish the myth that professors have summers off and lots of vacation would die. At research univiersities, time when classes are not in session is when professors do the work that determines their success, tenure, and raises - research.
by perl
Thu Nov 01, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 10196

Re: I Bond fixed rate = 0.5%

mbasherp wrote:
Thu Nov 01, 2018 9:23 am
I'm considering redeeming some of my first I Bonds from a year ago (0.1% fixed) to roll them into the new rate.
Good point. What's the calculation to decide if the lost interest from the older I bonds (if <5 years old) is worth it for the new higher fixed rate?
by perl
Thu Nov 01, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 10196

Re: I Bond fixed rate = 0.5%

That's good news.
by perl
Sat Jun 02, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 23
Views: 5118

Re: weighted blankets

I got a locally handmade weighted blanket for my child who has sensory processing disorder. It works great, but is thick and warm. Personally I have always liked heavy blankets and use a heavy duvet cover over my regular insulated comforter for this. I don't know of lightweight ones, but would like ...
by perl
Tue May 22, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 7021

Re: New 2018 Nissan Leaf (with 150 mi range)

Last summer I got a new 2017 Leaf for $11k. It's a great car, comfortable and fun to drive. Enjoy yours!
by perl
Sat May 19, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 8095

Re: What’s your phone/internet bill?

$39 total per month for two lines on the Verizon network through puppy wireless, with unlimited talk and text and 2 GB data each.

No home internet or cable service.
by perl
Sat May 19, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 55429

Re: "Why 97% of People Don't Use 529 College Savings Plans."

These discussions about the need to max retirement accounts tend not to notice that some people have a lot of tax deferred space. We could contribute over $130k annually to tax deferred and tax free between the IRA, 401a, 403b, 457, and HSA. We don't need all of that, and will probably never hit the...