Search found 2398 matches

by Doom&Gloom
Wed Jan 16, 2019 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 189
Views: 11530

Re: Why are your NOT buying rental properties?

I don't like hustling, but if I want to hustle I already know less stressful and time-consuming methods.
I don't like receiving surprises from other people at inconvenient times.
I know what I don't know, and I know what I am not interested in learning.
by Doom&Gloom
Wed Jan 16, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 81
Views: 5849

Re: When would you stop being a Boglehead?

Seems like a trick question. When would you stop being a Boglehead? When more than 50% of Active managers can beat their corresponding indexes per the SPIVA scorecard. I used to be a stock-picker and I would become one again if there were easily exploitable market mispricings (due to some unknown fu...
by Doom&Gloom
Wed Jan 16, 2019 12:38 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5448

Re: Gillette Mach 3 alternatives

Anybody try Costco’s razors? I have used primarily Gillette products for years (Does anyone remember Gillette Blue Blades) but recently tried the Costco competition and like it. https://www.costco.com/Kirkland-Signature-Triple-Blade-Razor-14-count.product.100416058.html I'll see your Blue Blades an...
by Doom&Gloom
Tue Jan 15, 2019 11:40 pm
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1434

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

I am a low-maintenance customer, but having said that: Schwab customer for > 30 years. I can't recall ever needing service. Fidelity customer for at least 15 years (probably longer). Only interaction I remember was being unable to transfer from a MF holding to one of the new Zero funds. I got a time...
by Doom&Gloom
Tue Jan 15, 2019 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target 2050 question
Replies: 7
Views: 556

Re: Vanguard Target 2050 question

I just helped DS open a Roth IRA invested in Vanguard's Target 2065 fund. I hope he doesn't even look at it (except to add money to it) for 20 years.

If that was the right choice when your husband bought it and there have been no significant changes in his life, why sweat it now?
by Doom&Gloom
Tue Jan 15, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5448

Re: Gillette Mach 3 alternatives

BoglePaul wrote:
Tue Jan 15, 2019 7:46 pm
I feel Gillette is the absolute best. I wait for a super-sale once ever year or two then buy a year's supply. If I wanted to save, I would probably skip shaving on Saturday.
Details on the super sale??? When? Where? etc.
by Doom&Gloom
Tue Jan 15, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 163
Views: 8790

Re: Are You Dumping Netflix?

Hardly.

It is difficult to find screaming bargains in this industry any more.

The free market adjusts. Supply & demand. yada yada yada ...
by Doom&Gloom
Tue Jan 15, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Ideas for Nashville trip?
Replies: 40
Views: 4122

Re: Ideas for Nashville trip?

The Time Jumpers (which were mentioned several times before) are now playing at 3rd and Lindsley most Monday evenings. I scrolled up an looked at the post I made here over seven years ago(!), and it's interesting what has changed since: The Time Jumpers are still a must-see show, but as you mention...
by Doom&Gloom
Sun Jan 13, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Unusual tv mounting question
Replies: 8
Views: 842

Re: Unusual tv mounting question

You should be able to find a .pdf of the owners manual online if you google search the model number. It almost certainly has instructions for converting between stand mount and wall mount. I suspect that the metal rod to which you refer is either secured by a screw that is hidden behind a removable...
by Doom&Gloom
Thu Jan 10, 2019 5:05 pm
Forum: Investing - Theory, News & General
Topic: Simultaneous undershirt discussions - Market Indicator?
Replies: 21
Views: 1467

Re: Simultaneous undershirt discussions - Market Indicator?

I am going short(s).

Unless Vanguard is too strict of a nanny.
by Doom&Gloom
Wed Jan 09, 2019 5:49 pm
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2855

Re: Your Vanguard Page

How often do you visit your Vanguard account page and what pages do you visit? Lately I have been visiting the page daily to check how the total balance is doing. Then I go to cost basis view to see how much I have lost, in what funds, and short term or long term. Then I go to portfolio watch page ...
by Doom&Gloom
Tue Jan 08, 2019 12:53 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8380

Re: More Nanny State From Vanguard

*yawn*

Whether a brokerage offers that wouldn't affect my choice of where to do business at all. If it makes a difference to other investors, other brokerages will accommodate them.
by Doom&Gloom
Sat Jan 05, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Keeping old statements from closed accounts
Replies: 22
Views: 1904

Re: Keeping old statements from closed accounts

Doing my annual financial housekeeping. I have stacks of old statements from retirement accounts (IRAs and 401k plans) that we have since closed and rolled over into Vanguard and the TSP. Is there any reason at all to keep statements from old retirement accounts that have been closed? I'm in the ne...
by Doom&Gloom
Sat Jan 05, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3758

Re: Paying (paper) cash for daily transactions

I use credit cards for almost everything. I haven't used an ATM this century except for the rare occasion that my wife wants to use the drive-thru ATM at the bank and I happen to be driving so I have to use it with her card. If I even have an active ATM card, I don't know it; I would have to go thro...
by Doom&Gloom
Fri Jan 04, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

Buy-and-hold, stay the course, etc takes a lot of fun out of this volatility. It is more fun to ride the roller coaster than it is to stand on the ground and watch it.

Of course, you do save the nuisance of purchasing all of those pesky tickets :beer
by Doom&Gloom
Fri Jan 04, 2019 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard new account woes
Replies: 13
Views: 1329

Re: Vanguard new account woes

Agree with others. Combination of KYC and being a minor--I suspect primarily the latter. Three weeks ago I assisted 21 y/o DS with opening an account at Vanguard. Did it all online in about 20 minutes. No snail mail involved at all.
by Doom&Gloom
Fri Jan 04, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Wife spends too much money on housewares / decorating stuff.
Replies: 39
Views: 1542

Re: Wife spends too much money on housewares / decorating stuff.

I would have to ask, how much does she really spend each month on waste stuff as you state. I have delt with this for 25 years of marriage. I stopped carring because in the end it did not change our financial life but made her happy. The hoidays are evern worse for buying new stuff when we still ha...
by Doom&Gloom
Thu Jan 03, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Adding spouse to deed
Replies: 15
Views: 818

Re: Adding spouse to deed

DW very much wanted her name on the deed when she moved into the house I was already in. She never quite grasped that she would need to add her name to the mortgage and that could negatively affect both of us. To me it was a non-issue, but to her, having her name on the deed was a huge issue. When ...
by Doom&Gloom
Thu Jan 03, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Adding spouse to deed
Replies: 15
Views: 818

Re: Adding spouse to deed

DW very much wanted her name on the deed when she moved into the house I was already in. She never quite grasped that she would need to add her name to the mortgage and that could negatively affect both of us. To me it was a non-issue, but to her, having her name on the deed was a huge issue. When w...
by Doom&Gloom
Wed Jan 02, 2019 11:15 pm
Forum: Investing - Theory, News & General
Topic: What do you think of this advice?
Replies: 62
Views: 4215

Re: What do you think of this advice?

It is probably worth less than what you paid for it. Probably much less.
by Doom&Gloom
Wed Jan 02, 2019 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Target date fund vs Intelligent portfolio
Replies: 36
Views: 1583

Re: Target date fund vs Intelligent portfolio

My son 22 yrs old is investing in his Roth Vanguard 2060 fund. No decisions for him to make. He is in college working part time. Right now he could care less about investing. He is working on his career. We just help him fund every year. +1 I could have written that except DS is 21 y/o and his Roth...
by Doom&Gloom
Wed Jan 02, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 159
Views: 7724

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

I just helped college-attending DS open a Roth IRA. Made his first investment on Dec 31 hoping to front-run all the BH money going in today. I must say that I'm disappointed that you folks barely budged the market upwards. No matter as we'll be putting more 2018 money in as soon as he gets his W-2s....
by Doom&Gloom
Wed Jan 02, 2019 12:30 am
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 77
Views: 7650

Re: Best Way to get rid of leaves

Smoke wrote:
Wed Jan 02, 2019 12:15 am
I just cut them up with the riding mower, a few times and they just vanish into the lawn.
+1

That is as much effort as I'm willing to put into that chore.
by Doom&Gloom
Tue Jan 01, 2019 12:56 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2272
Views: 398273

Re: What are you up YTD? [Year To Date]

I finally gathered the courage to look. -5.7% 55/40/5 Stock/Bond/REIT 2:1 US:International (1/3 of International is EM) Sliced & Diced--a few slices were merged during 2018; will eliminate at least one slice annually until only four remain I've had worse years. On the brighter side, this is probably...
by Doom&Gloom
Mon Dec 31, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA suggestion for 18 year old son
Replies: 9
Views: 392

Re: Roth IRA suggestion for 18 year old son

vanguard's 2065 target date fund. set it and forget for the next 46 years. My kids also use one of the Vanguard TargetDate funds. I just helped 21 y/o DS establish a Roth at Vanguard--funded for 2018 today with that exact fund. DS isn't likely to develop an interest in such things so one fund he ca...
by Doom&Gloom
Sun Dec 30, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Budget hearing aids question.....,,
Replies: 10
Views: 510

Re: Budget hearing aids question.....,,

It was pretty easy for me to stay well below $4-6k for my first pair earlier this year as I didn't need all the bells & whistles. I have no regrets about my decision.
by Doom&Gloom
Sun Dec 30, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: University Alumni Associations—Any Value?
Replies: 19
Views: 1789

Re: University Alumni Associations—Any Value?

I received a complimentary year's membership in my alumni association when DS was a freshman. I saw no value at all. At least not to me.
by Doom&Gloom
Fri Dec 28, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3332

Re: not funding kid's tuition

Did anybody who has family income around $200K and above with a child currently in college that they are NOT paying tuition for actually respond to this thread? hmm, interesting. Maybe not, but I can assure you that somebody with family income below $200k with a child currently in college is paying...
by Doom&Gloom
Fri Dec 28, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2366

Re: Why do people buy- performance cars?

snackdog wrote:
Fri Dec 28, 2018 6:25 pm
Is this actionable or just general bewilderment?
Action-packed! Oh, that isn't what you meant? :wink:
by Doom&Gloom
Fri Dec 28, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3332

Re: not funding kid's tuition

Nope. Not at all. But to each his/her own.

This seems to be obviously a relationship/opinion issue rather than a financial one. Don't see how it has survived this long.
by Doom&Gloom
Fri Dec 28, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2366

Re: Why do people buy- performance cars?

Teague wrote:
Fri Dec 28, 2018 4:33 pm
Ependytis wrote:
Fri Dec 28, 2018 4:22 pm
Why do people buy performance cars? As my dad said, you can only go the speed limit.
Your dad was mistaken. :D
LOL!

That may well be my nomination for BH POTY!
by Doom&Gloom
Thu Dec 27, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 2941

Re: What to do with 1k check for 9 month old son?

How difficult would it be simply to ask the grandparents to issue one in your or your spouse's name because you now have this issue and to return the check you now have?
by Doom&Gloom
Thu Dec 27, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

Never try to catch a falling cat.
by Doom&Gloom
Thu Dec 27, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 5357

Re: Ticket for speeding

Well, my anticipated answer was trumped by the NC posters. I would follow their recommendations--assuming you are in NC.
by Doom&Gloom
Wed Dec 26, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

JustinR wrote:
Wed Dec 26, 2018 6:13 pm
People in that other thread acting like the worst is over.

Anyone else think that isn't the case?
To paraphrase William Faulkner: The worst is never over. In fact, it isn't even the worst.
by Doom&Gloom
Wed Dec 26, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

Doom&Gloom wrote:
Tue Dec 25, 2018 9:05 pm
Old_Dollar wrote:
Tue Dec 25, 2018 8:58 pm
Any negative nancy predictions for tomorrow? How about -2.5% SP 500
Doom and gloom is my game, but even I don't try to predict daily fluctuations in the market 8-)
Probably my career-best call on the market :mrgreen:
by Doom&Gloom
Wed Dec 26, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 1842

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

My daughter wants to go to grad school to become a therapist, and she's explaining to me that she has two degree options: Masters in Counseling and Masters in Social Work. We live in Massachusetts, and she wants to live and work here after graduation. She is leaning toward the Masters in Counseling...
by Doom&Gloom
Wed Dec 26, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 407
Views: 58154

Re: What NON frugal thing did you do today?

Spent $200 on a choice standing rib roast for xmas dinner. omg.... :happy Our was $100 on a prime standing rib roast, small but it’s the last course of a 9-course meal. Our daughter said it’s like going to Lawry’s steak place around here, she went there for a friend’s pre-weddding party. I bought i...
by Doom&Gloom
Tue Dec 25, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

AlphaLess wrote:
Tue Dec 25, 2018 10:17 pm
J G Bankerton wrote:
Tue Dec 25, 2018 7:06 pm

I hear that from the bots all the time.
What language to the bots speak?
Morse code of course.

bot bot BASH BASH BASH
by Doom&Gloom
Tue Dec 25, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

Old_Dollar wrote:
Tue Dec 25, 2018 8:58 pm
Any negative nancy predictions for tomorrow? How about -2.5% SP 500
Doom and gloom is my game, but even I don't try to predict daily fluctuations in the market 8-)
by Doom&Gloom
Tue Dec 25, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: House Protector Trust
Replies: 8
Views: 634

Re: House Protector Trust

I can not help you with reading material, but MIL has established an irrevocable trust for the same purpose and DW is the trustee. Any income generated by assets within the trust remains in the trust. DW has a CPA who files tax returns for both MIL and the trust. AFAIK there are no tax ramifications...
by Doom&Gloom
Tue Dec 25, 2018 1:09 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 240
Views: 20251

Re: Whose buying today? where's all the "dry powder" folks at? :)

I'm betting that the "dry powder folks" are also familiar with the term, "catching a falling knife." Yes, and also the term "dead cat bounce." Yes, this is equally as descriptive. It's just that sometimes you might be talking to a cat lover, and it doesn't go over very well. It is a common investin...
by Doom&Gloom
Tue Dec 25, 2018 1:01 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11162

Re: My Christmas Present To You

Taylor,
I admit that I hadn't clicked on your thread because I knew what was in it from prior years. I finally did only because I wanted to say "Thank you!" once again.
Merry Christmas!
by Doom&Gloom
Mon Dec 24, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

In an effort to console newish members, many posters have noted that "Prices will go back up. This is typical and part of investing in equities." I would like to remind those posters that an increase in future prices is not guaranteed . This is the risk we all assume through equity investments. +1 ...
by Doom&Gloom
Mon Dec 24, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

In an effort to console newish members, many posters have noted that "Prices will go back up. This is typical and part of investing in equities." I would like to remind those posters that an increase in future prices is not guaranteed . This is the risk we all assume through equity investments. +1 ...
by Doom&Gloom
Sun Dec 23, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: French Press recommendations
Replies: 24
Views: 1402

Re: French Press recommendations

Alexa9 wrote:
Sun Dec 23, 2018 9:40 pm
https://www.amazon.com/Secura-Stainless ... ench+press

It's a very basic design so I don't think you can go wrong.
Same one we have and love it. I also gave one to SIL for Christmas two years ago.
by Doom&Gloom
Sat Dec 22, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9751

Re: When did the musicians on the titanic realize their fate?

When this subject comes up I always come back to the notion of riding the coattails of those who will be unlikely to lose money in the long run. I don't have the expertise nor the insight to be able to zig or zag at precisely the right moment, so there's no point in stressing about it. In my opinio...
by Doom&Gloom
Fri Dec 21, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9751

Re: When did the musicians on the titanic realize their fate?

I am always concerned. Money is money, after all. But I vividly recall my reaction when someone at work told me about the big drop in 1987. I literally laughed out loud. What difference does it make whether you laugh or cry? But I was certainly concerned as I looked at the prices of the stocks I own...
by Doom&Gloom
Fri Dec 21, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Growing Concerns with Vanguard
Replies: 27
Views: 4714

Re: Growing Concerns with Vanguard

I recently had occasion to send my first SM to Vanguard. After reading threads like this, I wasn't very optimistic, but I got a very detailed reply within 48 hours. I had sent the SM after digging and digging through Vanguard's website about a question I had about the mechanics of assisting a relati...
by Doom&Gloom
Fri Dec 21, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782675

Re: U.S. stocks in free fall

Cue the cliches... The bull reluctantly climbs the stairs. The bear jumps out the window. This might be my first bear market as an investor. Is it weird that I’m a little bit excited? Probably because of all the posting bravado you read here recently where posters were hoping for a fall so they cou...