Search found 179 matches
- Wed Jan 20, 2021 1:55 pm
- Forum: Investing - Theory, News & General
- Topic: Financial news.
- Replies: 8
- Views: 456
Re: Financial news.
Reuters and WSJ
- Sun Jan 17, 2021 11:04 am
- Forum: Personal Investments
- Topic: Millennial - invest in bonds at all?
- Replies: 103
- Views: 7991
Re: Millennial - invest in bonds at all?
Federal government debtantman50 wrote: ↑Sun Jan 17, 2021 10:57 amIn your opinion, what means the criteria of “safe bonds”?TheLaughingCow wrote: ↑Thu Jan 14, 2021 1:19 pm I am surprised by how equity heavy many of the posters on here are. I feel that a 25% allocation to safe bonds is the minimum acceptable for any age.
- Thu Jan 14, 2021 1:19 pm
- Forum: Personal Investments
- Topic: Millennial - invest in bonds at all?
- Replies: 103
- Views: 7991
Re: Millennial - invest in bonds at all?
I am surprised by how equity heavy many of the posters on here are. I feel that a 25% allocation to safe bonds is the minimum acceptable for any age.
- Mon Dec 28, 2020 4:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can we afford to build an $850,000 house
- Replies: 90
- Views: 6084
Re: Can we afford to build an $870,000 house
I wouldn't do it but it's certainly possible.
- Sat Dec 19, 2020 11:17 pm
- Forum: Investing - Theory, News & General
- Topic: Considering Investing in Value Only - Thoughts
- Replies: 114
- Views: 6903
Re: Considering Investing in Value Only - Thoughts
When looking at P/E ratios, one really needs to consider the environment we're in. Earnings fell off a cliff this year. Most anticipate better earnings going forward then the trailing quarter or year. In January of 2009 the P/E the S&P 500 had a P/E of 70.91 - and that was a great time to be bu...
- Mon Dec 14, 2020 11:25 am
- Forum: Investing - Theory, News & General
- Topic: What part of market cycle are we at ?
- Replies: 9
- Views: 789
Re: What part of market cycle are we at ?
Nobody will know until 3 years from now.
- Sun Dec 13, 2020 3:38 pm
- Forum: Personal Investments
- Topic: 27 years old - How am I doing?
- Replies: 30
- Views: 4342
Re: 27 years old - How am I doing?
You are doing extremely well. What is the purpose of "diversifying" your portfolio? For example keeping 0.08% of your 401k ($92?) in each of the Lifepath Indexes from 2025 to 2065. Have you considered simplifying? The 0.08% you're referring to are expense ratios, not my 401k allocations :...
- Sun Dec 13, 2020 3:30 pm
- Forum: Personal Investments
- Topic: 27 years old - How am I doing?
- Replies: 30
- Views: 4342
Re: 27 years old - How am I doing?
You are doing extremely well. 1) Saving the same amount each year you will have $600,000 by 37, assuming 0 growth. Considering your low expenses I would say you would be FI at that point. 3) Your emergency fund is already quite large, given your low expenses. 4) You are saving $38,000 per year and h...
- Sun Dec 13, 2020 1:53 am
- Forum: Investing - Theory, News & General
- Topic: Educated guesses-- between market timing and buy and hold
- Replies: 28
- Views: 2236
Re: Educated guesses-- between market timing and buy and hold
“Obvious prospects for physical growth in a business do not translate into obvious profits for investors.” - Benjamin Graham
- Sat Dec 12, 2020 4:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Can I Retire In 4 Years?]
- Replies: 8
- Views: 2129
Re: 4 More Years??
Is there a reason you are nearly 100% stocks so close to retirement?
- Thu Dec 10, 2020 11:24 pm
- Forum: Personal Consumer Issues
- Topic: Where do you get your news?
- Replies: 45
- Views: 2541
Where do you get your news?
What news sources do you use? I'm looking for news sources that fit the following criteria: - Global news with a focus on the USA. - Written at a high level with detailed analysis. - No misinformation and minimal political bias. - Free (willing to pay a low cost for very high quality news that can't...
- Thu Dec 10, 2020 4:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: If your net worth were the following amounts, how much real estate would you own?
- Replies: 142
- Views: 9759
Re: If your net worth were the following amounts, how much real estate would you own?
To clarify, my question was asking how much RE value you would own, and not how many homes (i.e. If I were worth $10M I would like own $3M in real estate (or whatever the number may be)) It seems from the responses that some people would just live in their current home even if they were worth $100M...
- Thu Dec 10, 2020 4:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: If your net worth were the following amounts, how much real estate would you own?
- Replies: 142
- Views: 9759
Re: If your net worth were the following amounts, how much real estate would you own?
Perhaps it's because I am one of the "poors" but I never understood the need to have more than 2 houses (1 for non-snowbirds).
It seems extraordinary wasteful to leave penthouses, yachts, and beach homes unoccupied for most of the year, regardless of the owner's level of wealth.
It seems extraordinary wasteful to leave penthouses, yachts, and beach homes unoccupied for most of the year, regardless of the owner's level of wealth.
- Wed Dec 09, 2020 6:49 pm
- Forum: Personal Consumer Issues
- Topic: Potential cost of games on iPad
- Replies: 38
- Views: 1884
Re: Potential cost of games on iPad
My 9-year old son paid $4.99 to download a game called "TD Bloons 6" on the Ipad. After playing for a while, he wanted to buy an in-app upgrade for another $4.99. I tried to tell him that these upgrades weren't with it and they would take all of his money while he could be playing other g...
- Wed Dec 09, 2020 6:43 pm
- Forum: Personal Consumer Issues
- Topic: Potential cost of games on iPad
- Replies: 38
- Views: 1884
Re: Potential cost of games on iPad
How much money does he have? Maybe the most effective lesson is to get wiped out. For some things I would agree but not in this case. Games like this are designed to foster addictive behavior. As a 9 year old his brain is still developing. This could lead to lifelong problems managing addictions. I...
- Mon Dec 07, 2020 3:32 pm
- Forum: Personal Investments
- Topic: HNW or VHNW folks, what are you invested in?
- Replies: 20
- Views: 2565
Re: HNW or VHNW folks, what are you invested in?
One thing to note is that his sampling of millionaires had quite a bit of survivorship bias. The people who had started a business and then failed were not interviewed. Nor were the people who had steadily accumulated wealth in a conservative manner, but failed to meet millionaire status. If you sta...
- Mon Dec 07, 2020 2:19 pm
- Forum: Investing - Theory, News & General
- Topic: TESLA Valuation
- Replies: 111
- Views: 6924
Re: TESLA Valuation
What if they acquire their competition AOL-Time Warner style?
Will they still be overvalued then?
Will they still be overvalued then?
- Mon Dec 07, 2020 10:40 am
- Forum: Personal Finance (Not Investing)
- Topic: I feel like my friend is about to make a massive financial mistake
- Replies: 128
- Views: 14821
Re: I feel like my friend is about to make a massive financial mistake
Say nothing unless asked.
- Mon Dec 07, 2020 9:59 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 2048
- Views: 251733
- Sun Dec 06, 2020 7:36 pm
- Forum: Investing - Theory, News & General
- Topic: Hyperinflation hedge
- Replies: 85
- Views: 6343
Re: Hyperinflation hedge
Physical gold is pretty much the only thing I would trust.
Hyperinflation will likely be coupled with economic and societal collapse in your country so I would not trust real estate, GLD, TIPs etc to hold their value.
Hyperinflation will likely be coupled with economic and societal collapse in your country so I would not trust real estate, GLD, TIPs etc to hold their value.
- Fri Dec 04, 2020 9:10 pm
- Forum: Investing - Theory, News & General
- Topic: The Robinhood "videogame"
- Replies: 105
- Views: 10955
Re: The Robinhood "videogame"
... I am not that young, but I am old enough to see a trend. The younger generation (younger than me) is addicted to gambling whether it is through robinhood or cryptocurrency. Check out this video on youtube, these are kids gambling which is nuts in my view, or maybe I am starting to get old as we...
- Sat Nov 28, 2020 10:00 am
- Forum: Investing - Theory, News & General
- Topic: Why are health care stocks so cheap?
- Replies: 6
- Views: 1152
Why are health care stocks so cheap?
I've been doing some research into individual health care stocks such as Cigna, CVS, and Walgreens. I've noticed a few things: 1) a huge run up in profits over the past 2 years. Profits have roughly doubled in the last 2 years and have been steadily increasing for the past 10. Same for free cash flo...
- Wed Nov 25, 2020 9:36 am
- Forum: Investing - Theory, News & General
- Topic: BlackRock and the $15 trillion fund industry should be broken up, antimonopoly group says - CNN Business article
- Replies: 33
- Views: 3549
Re: BlackRock and the $15 trillion fund industry should be broken up, antimonopoly group says - CNN Business article
It won't happen. They have too much sway with politicians, and besides, the perceived harm to the customer is not large.
In before the lock.
In before the lock.
- Sun Nov 22, 2020 11:12 am
- Forum: Investing - Theory, News & General
- Topic: How to teach your kids about money/wealth
- Replies: 23
- Views: 1437
Re: How to teach your kids about money/wealth
Small allowance at age 6 (5$ weekly) As they age, larger amounts with more time in between (15$ biweekly, $40 monthly) to teach self control and saving. At age 10 or so give them interest on their saved money to teach about saving and the power of compounding interest. It's important to have your sp...
- Sat Nov 21, 2020 10:49 pm
- Forum: Personal Investments
- Topic: Question about a small position in rapidly appreciating Ex-US stocks
- Replies: 9
- Views: 698
Re: Question about a small position in rapidly appreciating Ex-US stocks
OP, I have similar goals to you, just with a different target allocation. I would like to have 100% of my portfolio in rapidly appreciating stocks.
- Tue Nov 17, 2020 3:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Path to UHNW
- Replies: 48
- Views: 5124
Re: Path to UHNW
Just when I think bogleheads can’t get any more out of touch...
- Sun Nov 08, 2020 8:36 pm
- Forum: Investing - Theory, News & General
- Topic: Muni deep risk?
- Replies: 43
- Views: 3869
- Thu Nov 05, 2020 5:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: If retired, what is the quotient of the market value of your home and your net worth?
- Replies: 93
- Views: 6017
- Tue Nov 03, 2020 10:47 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks continue to soar!
- Replies: 12159
- Views: 939777
Re: U.S. stocks continue to soar!
S&P 500 futures are up big time.
- Tue Nov 03, 2020 10:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: Overstretched and under contract for 1.3M house.. should I back out?
- Replies: 79
- Views: 11141
Re: Overstretched and under contract for 1.3M house.. should I back out?
You can afford the house.
Likely you are feeling the fear that comes with any big change or commitment in life.
Ask yourself why you committed to buy the house. If those reasons are still valid, buy the house.
If not, don't.
Likely you are feeling the fear that comes with any big change or commitment in life.
Ask yourself why you committed to buy the house. If those reasons are still valid, buy the house.
If not, don't.
- Mon Nov 02, 2020 11:25 pm
- Forum: Personal Consumer Issues
- Topic: My dog barks when I'm not home- solutions?
- Replies: 79
- Views: 5128
Re: My dog barks when I'm not home- solutions?
Wow...Shock collars, Vocal cord removal, inside a crate for several hours every day!!! Re-home it...somewhere none of these options are on the table. Most dogs don't view their crate as a prison but rather as a safe space. They are den animals. Don't assume that an animal has the same wants and nee...
- Thu Oct 29, 2020 4:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you expect the election will significantly impact (mortgage) rates?
- Replies: 4
- Views: 523
Re: Do you expect the election will significantly impact (mortgage) rates?
No I don't. In before the lock
- Sun Oct 25, 2020 9:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Confessions of a personal finance reporter
- Replies: 4
- Views: 1320
Re: Confessions of a personal finance reporter
Confessions of a personal finance reporter: 3 of my worst money mistakes PUBLISHED SAT, OCT 24 202010:15 AM EDT Sarah O’Brien @SARAHTGOBRIEN KEY POINTS My mistakes have been plentiful over the course of my adult life. I’m not proud of the financial mistakes I’ve made. I’m sharing a few of the big o...
- Tue Oct 20, 2020 4:26 pm
- Forum: Personal Investments
- Topic: Employer Cash Deferral Program (2.9% rate): Use in lieu of bonds? How would you think about it?
- Replies: 22
- Views: 1226
Re: Employer Cash Deferral Program (2.9% rate): Use in lieu of bonds? How would you think about it?
It may be more helpful to think of this program as you offering credit to your employer. What is the current interest rate on your company's credit facility/line of credit? What is their credit rating? What protections or claims to assets will you have if your company suddenly goes bankrupt? How lon...
- Sun Oct 18, 2020 1:52 am
- Forum: Personal Finance (Not Investing)
- Topic: 2nd house, for Univ. kids/students
- Replies: 85
- Views: 6597
Re: 2nd house, for Univ. kids/students
Don't do it OP
- Tue Oct 13, 2020 11:43 pm
- Forum: Investing - Theory, News & General
- Topic: Yield Chasers Rejoice: Oil Stocks at 6.44% !!!
- Replies: 52
- Views: 5556
Re: Yield Chasers Rejoice: Oil Stocks at 6.44% !!!
Op, stay the course, god willing, if oil takes another 50% bath, the yield will double yet again! :D Reminds me of an old joke: An airliner is flying from London to New York. About an hour into the flight, the pilot announced, "We have lost an engine, but don't worry, there are three left. How...
- Mon Oct 12, 2020 11:11 pm
- Forum: Investing - Theory, News & General
- Topic: The Wrong Way to Think About Debt - The White Coat Investor
- Replies: 215
- Views: 26666
Re: The Wrong Way to Think About Debt - The White Coat Investor
The person advocating for more leverage is usually a 25-year-old with lots of debt, few assets, and little experience. It never seems to be the 60-year-old multimillionaire I'd like to emulate. I’m pretty sure every 60-year-old billionaire uses a lot of debt This was absolutely incredible bait, if ...
- Sun Oct 11, 2020 9:00 pm
- Forum: Investing - Theory, News & General
- Topic: Inflation protection has never been so cheap
- Replies: 16
- Views: 2934
Re: Inflation protection has never been so cheap
Even if inflation increases, the price of oil may not increase commensurately.
- Sat Oct 10, 2020 5:36 pm
- Forum: Investing - Theory, News & General
- Topic: BRK-B, Value Fund?
- Replies: 41
- Views: 3820
Re: BRK-B, Value Fund?
I would consider holding BRK to be less safe than holding a value fund. A single liability could balloon and kill the company. That won't happen to a value fund.
- Sat Oct 10, 2020 9:35 am
- Forum: Investing - Theory, News & General
- Topic: "Active" Index investing vs. "Passive" Index investing
- Replies: 197
- Views: 8056
- Mon Oct 05, 2020 11:00 am
- Forum: Investing - Theory, News & General
- Topic: Barron's:A 60/40 Stocks/Bond Strategy Doesn’t Work. What to Do Instead.
- Replies: 35
- Views: 5774
Re: Barron's:A 60/40 Stocks/Bond Strategy Doesn’t Work. What to Do Instead.
Another article that encourages us to reach for yield. Where were these articles in March when these assets were trading at a discount?
BTW "equity-like" sure is a nice euphemism for "junk".
BTW "equity-like" sure is a nice euphemism for "junk".
- Sun Oct 04, 2020 3:15 pm
- Forum: Investing - Theory, News & General
- Topic: Actual Real Estate Investment vs REIT
- Replies: 13
- Views: 900
Re: Actual Real Estate Investment vs REIT
TheLaughingCow wrote: ↑Sun Oct 04, 2020 3:11 pm Let me know if I'm wrong, but I believe self managed real estate investments have some significant tax advantages over REITs.
- Sun Oct 04, 2020 3:11 pm
- Forum: Investing - Theory, News & General
- Topic: Actual Real Estate Investment vs REIT
- Replies: 13
- Views: 900
Re: Actual Real Estate Investment vs REIT
Let me know if I'm wrong, but I believe self conducted real estate investments have some significant tax advantages over REITs.
- Sat Oct 03, 2020 11:06 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 21210
- Views: 2878449
Re: U.S. stocks in free fall
Today was a preview of the next 5 to 10 years; small cap, value & gold flat to positive, large cap stocks & bonds both down. you're crazy. tech is going to dominate the remainder of our lives. Only because the definition of a "tech" stock can be stretched to fit nearly any modern ...
- Sat Oct 03, 2020 8:16 pm
- Forum: Investing - Theory, News & General
- Topic: QE and inflation
- Replies: 39
- Views: 1903
Re: QE and inflation
Perhaps you are confusing bogleheads and Dave Ramsey?fwellimort wrote: ↑Sat Oct 03, 2020 8:04 pm I learnt a few things in Bogleheads.
1. No one knows nothing but stock market is practically guaranteed 12% returns. But only for domestic.
- Sat Oct 03, 2020 7:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can we go to one income?
- Replies: 46
- Views: 4970
Re: Can we go to one income?
What age does your wife want to retire?
What are your incomes after tax?
If your wife is the breadwinner you should get a lot of disability and term life insurance for her until your child is grown.
What are your incomes after tax?
If your wife is the breadwinner you should get a lot of disability and term life insurance for her until your child is grown.
- Sat Oct 03, 2020 7:50 pm
- Forum: Investing - Theory, News & General
- Topic: QE and inflation
- Replies: 39
- Views: 1903
Re: QE and inflation
Look at housing costs. It's unaffordable for the new generation and in highly sought after locations, prices are such that one can work an entire working career and still be unable to afford one. I'm not going to rebut all your inflation points. However, using this one as an example, if you look at...
- Sat Oct 03, 2020 7:33 pm
- Forum: Investing - Theory, News & General
- Topic: QE and inflation
- Replies: 39
- Views: 1903
Re: QE and inflation
Look at housing costs. It's unaffordable for the new generation and in highly sought after locations, prices are such that one can work an entire working career and still be unable to afford one. I'm not going to rebut all your inflation points. However, using this one as an example, if you look at...
- Sat Oct 03, 2020 7:07 pm
- Forum: Investing - Theory, News & General
- Topic: QE and inflation
- Replies: 39
- Views: 1903
Re: QE and inflation
Look at housing costs. It's unaffordable for the new generation and in highly sought after locations, prices are such that one can work an entire working career and still be unable to afford one. I'm not going to rebut all your inflation points. However, using this one as an example, if you look at...
- Wed Sep 30, 2020 9:14 pm
- Forum: Personal Investments
- Topic: inflation rate over next 5 years
- Replies: 25
- Views: 2250
Re: inflation rate over next 5 years
Deleted.