Search found 142 matches

by perl
Thu May 23, 2019 11:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11767
Views: 2018959

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: 7052

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: 7758

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: 848

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: 519

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: 11568

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: 2433

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: 2893

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: 4232

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: 7894

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: 4537

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: 9745

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: 9745

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: 4776

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: 6472

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: 7588

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: 53213

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...
by perl
Fri May 11, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 54058

Re: MoviePass-Too good to be true, but it's legit.

I tried moviepass, then got busy and wasn't using it. I cancelled using the app 5 times and never got a confirmation of cancellation. I emailed them to confirm and only received an automated email with instructions on how to cancel through the app. When I replied twice asking for confirmation of the...
by perl
Tue May 01, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 10381

New I bond fixed rate 0.3%

The I bond fixed rate is now 0.3%, making I bonds more attractive.

https://www.treasurydirect.gov/news/pre ... atespr.htm
by perl
Sat Apr 28, 2018 4:37 am
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 95
Views: 13238

Re: Yield Curves-Treasury, CD, AA/AAA muni

Can you say something about how you choose and buy brokered CDs? Do you use Vanguard or another platform? Once you've identified a term you want, do you just pick the highest rate with a reasonable spread? Or does the issuing bank matter?
by perl
Thu Apr 26, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11767
Views: 2018959

Re: U.S. stocks in freefall

cfs, can you please stop posting the same thing over and over?
by perl
Tue Apr 17, 2018 8:35 pm
Forum: Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 7455

Re: I want to pay off my mortgage. Am I crazy?

Pay off mortgage or invest? is a perennial debate here for a simple reason: it doesn't matter that much. Paying off debt is good. Investing is good. You have lots of savings and are continuing to save. It's not like you're choosing between paying off the mortgage versus funding an expensive heroin h...
by perl
Tue Apr 17, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 26
Views: 5060

Re: Best High Interest Savings Account?

Alliant credit union is great.
by perl
Sat Feb 24, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 43
Views: 16986

Re: Horrible Experience with Ally New Account Opening Process

Look at Alliant credit union. They have similar savings rates to Ally and have good customer service and fast ACH transfers. I have used them for savings for years and am very happy.
by perl
Sun Feb 11, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 5741

Re: Family expecting “comps”

Them: I can't believe you would charge a family member!
Your reply: I can't believe you would steal from a family member!
by perl
Thu Feb 08, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: NYT: "84 percent of all stocks owned by Americans belong to the wealthiest 10 percent"
Replies: 14
Views: 2229

Re: NYT: "84 percent of all stocks owned by Americans belong to the wealthiest 10 percent"

Yes. Wealth is highly concentrated. Income is highly concentrated. Stock ownership is therefore also highly concentrated.
by perl
Thu Feb 08, 2018 7:51 pm
Forum: Personal Investments
Topic: Financial advise for a beginner!
Replies: 4
Views: 401

Re: Financial advise for a beginner!

Yes, we need a lot more information.

You'll also likely get more advice if you correct the misspelling of advice in your post title.
by perl
Thu Feb 08, 2018 7:23 pm
Forum: Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 32
Views: 6039

Re: How to Invest my HSA - Lively

EquityForAll, thanks.
by perl
Thu Feb 08, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11767
Views: 2018959

Re: U.S. stocks in freefall

El Greco wrote:
Thu Feb 08, 2018 5:30 pm
I'm hearing a lot of whistling past the graveyard here.
I know! Isn't it great? I enjoy it when the market drops.

This is why we get the big bucks.
by perl
Wed Feb 07, 2018 9:49 pm
Forum: Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 32
Views: 6039

Re: How to Invest my HSA - Lively

Is there a list of the TDAM commission free ETFs that bogleheads are most interested in (index funds)? I'm considering lively and want to understand the options.
by perl
Tue Feb 06, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11767
Views: 2018959

Re: U.S. stocks in freefall

If this dip is spooking you, I recommend the book Your Money and Your Brain by Jason Zweig. It explains well the neuroscience behind financial and investing decisions, and it has nice checklists of things you can do to limit your instinctive and panic reactions.
by perl
Mon Feb 05, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 5618

Re: Where Are The 100% Equity Bulls? BND up .44%

While I'm currently 80/20, I was 100% equities both in 2000-01 and 2008-09. Both times were great. I appreciate market crashes.

This isn't a crash. I'm not rebalancing tomorrow because I haven't hit a band.
by perl
Mon Feb 05, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 12099

Re: RBD alert

I'm kind of disappointed my EM funds are down less than my US funds today, because I wanted to buy more of them. I thought EM was more volatile? Being more volatile doesn't mean they are more volatile every single trading session. Yes. Learning that average results don't predict single day results ...
by perl
Mon Feb 05, 2018 3:49 pm
Forum: Personal Investments
Topic: Novice 34 y.o. looking for retirement plan guidance
Replies: 16
Views: 2110

Re: Novice 34 y.o. looking for retirement plan guidance

1. Good overall. I would look at backdoor Roth IRAs, especially for your wife while she's in a relatively low tax bracket. 2. Do the 500 index in the 403b since it's your cheapest option. Still ridiculously expensive. Do you have a choice of 403b providers? 3. I would rip off the band aid because th...
by perl
Mon Feb 05, 2018 2:45 am
Forum: Personal Investments
Topic: Overall Portfolio Plan Critique
Replies: 5
Views: 576

Re: Overall Portfolio Plan Critique

Does your family have any income currently? How much of your expenses are covered? Are you using cash for expenses? What are the job prospects for the unemployed spouse? It doesn't make sense to me to have so much cash and high interest student debt. I would pay off the $35k student loan tomorrow. H...
by perl
Mon Feb 05, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 8169

Re: Online High yield savings account for emergency funds

Alliant credit union is 1.45% currently. They're a good choice if you prefer a credit union to a bank. They are fast with ACH transfers.
by perl
Mon Feb 05, 2018 1:06 am
Forum: Personal Investments
Topic: 401k Advice for a Boglehead in Training
Replies: 16
Views: 1537

Re: 401k Advice for a Boglehead in Training

Are there insurance plans are your job that are HDHP so you could do an HSA?
by perl
Sun Feb 04, 2018 10:47 pm
Forum: Personal Investments
Topic: 529 plans...prioritize in-state deduction or low fees out of state?
Replies: 7
Views: 678

Re: 529 plans...prioritize in-state deduction or low fees out of state?

If you can deduct all contributions, you save 5% x $20,000 = $1,000 by using the state plan. You pay an extra 0.5% x $20,000 = $100 in fees (assuming no huge growth/loss in your investments). In this case using the state plan saves you $900 the year you contribute, and it takes about ten years for t...
by perl
Sun Feb 04, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: general "am I on the right track" question
Replies: 29
Views: 2955

Re: general "am I on the right track" question

Schwab is great if you use their low-cost funds. If you like them, stick with them. Read up on backdoor Roth IRAs and HSAs. HSAs are like magic because they are triple tax deferred: they lower you taxes now, you defer taxes on the growth, and don't pay taxes on the withdrawals if used to reimburse h...
by perl
Sun Feb 04, 2018 10:26 pm
Forum: Personal Investments
Topic: New investor with windfall
Replies: 4
Views: 812

Re: New investor with windfall

Seems reasonable so far.

Do you have other investments besides what you've already mentioned?

Does your spouse work outside the home?

What are you doing for health insurance? Is an HSA an option?
by perl
Sun Feb 04, 2018 8:33 pm
Forum: Personal Investments
Topic: Need some advice on my financial situation
Replies: 21
Views: 1875

Re: Need some advice on my financial situation

Agreed on keeping the short commute.

Instead of putting 2k/month in a taxable account, you should max out your 401k first. You're passing up tax deferral that is valuable in your tax bracket.

Are you eligible for an HDHP and HSA?
by perl
Sun Feb 04, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: general "am I on the right track" question
Replies: 29
Views: 2955

Re: general "am I on the right track" question

Your savings seem like they are on the low side for your age and income, although perhaps your income has gone up rapidly recently. How long have you been contributing to the 401k? Do you get a match? Is 150k the total in your 401k? What about backdoor Roth IRAs for you and your wife? I wouldn't add...
by perl
Sat Feb 03, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11767
Views: 2018959

Re: U.S. stocks in freefall

I've got a better explanation: Satan.
by perl
Fri Feb 02, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Fund 2017 Roth IRA or pay off truck?
Replies: 30
Views: 2008

Re: Fund 2017 Roth IRA or pay off truck?

Can you find out if there is a website that gives the investment options for the 403b? That's important information, could change the equation a lot.

What tax bracket are you in?
by perl
Fri Feb 02, 2018 12:45 am
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 14223

Re: Fewer acronyms please

Acronyms signal insider status, showing that you are in the know. They are unwelcoming and exclude newcomers. If the forum wants to encourage new people, reducing acronyms would help. I like this idea, but it is not something that everyone supports. In the recent thread about the small number of rep...
by perl
Thu Feb 01, 2018 5:17 pm
Forum: Personal Investments
Topic: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index
Replies: 4
Views: 607

Re: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index

I do 50/50 total bond/traditional because, first, I want to be able to rebalance, and second, because I want more fixed income diversification. I don't know which will do better over the next 30-40 years, so I have some of both.

Having the stability of traditional is nice.
by perl
Thu Feb 01, 2018 5:13 pm
Forum: Non-US Investing
Topic: UK Investing - Pension - three fund portfolio help!
Replies: 12
Views: 1176

Re: UK Investing - Pension - three fund portfolio help!

Can you post expenses ratios for these funds?
by perl
Thu Feb 01, 2018 5:11 pm
Forum: Personal Investments
Topic: New to the Group - Advice on current portfolio and plan
Replies: 4
Views: 428

Re: New to the Group - Advice on current portfolio and plan

You have a good plan. If you want to retire early, maxing out everything you can is a good idea. Personally i wouldn't prepay your mortgage, you can get a better return by investing. I would use your extra $100k to start a taxable account, invested according to your allocation. Questions: What fract...
by perl
Mon Jan 29, 2018 11:48 pm
Forum: Personal Investments
Topic: A Not Paying Off the Mortgage Thread
Replies: 38
Views: 6060

Re: A Not Paying Off the Mortgage Thread

You have a year's expenses in your emergency fund. That's enough for that bucket.

Take everything else and invest it according to your allocation. If you've nervous, start with a more conservative allocation like 70/30.

Don't pay down the mortgage. Maintain liquidity instead.