Search found 478 matches

by randomizer
Fri Aug 18, 2017 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 174
Views: 12725

Re: Lost $7000 today in ONE DAY!

I haven't looked but I bet I "lost" a similar amount. Not a big deal. I only had that much because it had previously gone up about $50k. And it will almost certainly go up again, if not this week, this month, this year, this decade, then the next. In this for the long haul and will be buying whateve...
by randomizer
Thu Aug 17, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Why do brokerage transactions take 2 business days to settle?
Replies: 9
Views: 1250

Why do brokerage transactions take 2 business days to settle?

This harms my ability to market time. Don't want to be out of the market for two days whenever I want to move funds around.
by randomizer
Thu Aug 17, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 132
Views: 8096

Re: Anyone planning on never retiring?

I want to retire ASAP, but I want to do (some) work forever. For me, retirement will be not having to work.
by randomizer
Thu Aug 17, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: The Mathematics of Retirement Investing
Replies: 123
Views: 13489

Re: The Mathematics of Retirement Investing

Amazing thread. Thank you.
by randomizer
Thu Aug 17, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 147
Views: 7366

Re: Is it worth it?

kids > work
by randomizer
Thu Aug 17, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Holding VTSAX / S&P 500 fund exclusively
Replies: 11
Views: 1323

Re: Holding VTSAX / S&P 500 fund exclusively

Call it dollar cost averaging if you want but it's better to invest regularly, as soon as you can. Time in the market beats timing the market.

I'm a three fund kind of person, but being 100% S&P 500 would have worked out fine if you had the stomach for it.
by randomizer
Wed Aug 16, 2017 7:25 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 103
Views: 14124

Re: Revealing Usernames

Ok, but how many real name people, from Taylor to Mel to Rick Ferri and so on have reported significant problems due to their openness? They are "public figures" in a sense and definitely not sharing intimate details of what and where their financial holdings and family circumstances and problems a...
by randomizer
Wed Aug 16, 2017 6:25 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 103
Views: 14124

Re: Revealing Usernames

This is EXACTLY why I started this thread. People join with the idea that they won't reveal much or that it does not matter....but so much does get revealed in the long run. And it does matter. Even if you never intend to ask questions here, do not use anything like your real name and certainly do ...
by randomizer
Mon Aug 14, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne360 No More Living Trust Option for New Accounts
Replies: 6
Views: 787

Re: CapitalOne360 No More Living Trust Option for New Accounts

retiredbuthappy wrote:
Mon Aug 14, 2017 4:05 pm
Hi,
Is there an online bank like CapitalOne360 that allows Living Trust titles on checking accounts?
thanks,
RbH
Last I checked, EverBank did. There may be others.
by randomizer
Mon Aug 14, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy on toddler
Replies: 19
Views: 1954

Re: Life insurance policy on toddler

Ugh, insurance is the worst.
by randomizer
Wed Aug 09, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16290

Re: Life at crossroads. What would you do ?

KlangFool wrote:How old is she?

Age discrimination is real in the Bay Area.

KlangFool
Is it? Going back to the OP (who is only 40), I don't imagine that's too much at stake here. At 50, sure.
by randomizer
Tue Aug 08, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: How much cash should I have in my bank for emergency funds.
Replies: 29
Views: 2013

Re: How much cash should I have in my bank for emergency funds.

100k seems excessive, especially in your line of work. You ain't going to both lose your jobs. And if you did you could liquidate fixed income assets.
by randomizer
Mon Aug 07, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: New physician with debt and cash
Replies: 15
Views: 1551

Re: New physician with debt and cash

shuckster wrote: Salary is relatively low
I know you said "relatively", but even so, 95% of the country probably wouldn't agree with that.
by randomizer
Mon Aug 07, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Machine learning applied to financial markets
Replies: 0
Views: 235

Machine learning applied to financial markets

Academic finance literature naively applying machine learning (ML) and artificial neural network (ANN) techniques to market price prediction is a dumb farce. While this probably won’t surprise anyone who has done a paper replication in the past 6+ years, despite all of the advancements in algorithm...
by randomizer
Sun Aug 06, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: bearish trends beneath the surface
Replies: 13
Views: 1566

Re: bearish trends beneath the surface

Love threads like this, even if not actionable (nothing ever really is with my IPS).
by randomizer
Sun Aug 06, 2017 6:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Celebrating 30 years with Vanguard!
Replies: 25
Views: 2013

Re: Celebrating 30 years with Vanguard!

Only last year I celebrated 3 years with Vanguard. I have a lot of catching up to do...
by randomizer
Sun Aug 06, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: financial planning for purchasing "forever home" in a few years
Replies: 5
Views: 659

Re: financial planning for purchasing "forever home" in a few years

I think you are in danger of becoming "house poor", having such a large chunk of your net worth tied up in your home. (At least, that's the sense I get from the numbers you posted.) I wouldn't want to go too far down that path myself.
by randomizer
Sat Aug 05, 2017 11:59 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 2806

Re: LastPass Premium price increasing

Jeff Albertson wrote:You knew this would happen when Logmein bought Lastpass a couple of years ago for $110 million.
And that's why I switched away as soon as I found out about the acquisition.
by randomizer
Fri Aug 04, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7873

Re: Are we house poor?

Normally with these I think, "if you have to ask..."

But in this instance you're clearly fine. Good job.
by randomizer
Fri Aug 04, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5612

Re: Anyone else have trouble spending?

If you feel anxious about the purchase I think you should buy a cheaper car.
by randomizer
Wed Aug 02, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21179

Re: A poll: How much money do you need to retire?

Age: 40s, amount: "it depends", target age: ???

Based on my estimates, I should be able to retire some time between 45 and 65 years of age, with somewhere between $1m and $2.5m, and with a probability of "success" somewhere between 33% and 95% (especially if I have a flexible definition of success).
by randomizer
Wed Aug 02, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: NYTimes: dollar down, dow up?
Replies: 2
Views: 504

NYTimes: dollar down, dow up?

How accurate is this analysis in the Times, that points out that the DJIA goes up as the dollar goes down? https://mobile.nytimes.com/2017/08/01/business/dealbook/dow-22000-stock-markets-dollar-value.html Seems pretty simplistic to me. You can always come up with a theory to explain the data post-ho...
by randomizer
Tue Aug 01, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: 100K milestone - Thank you BH!
Replies: 15
Views: 1967

Re: 100K milestone - Thank you BH!

RRAAYY3 wrote:a little late at 32, but I have no debt whatsoever
Note late at all. Probably way ahead of 90 or 95% of the nation. And on the right course. Congrats. Keep it up!
by randomizer
Tue Aug 01, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: Rising dividends good sign or neutral or bad
Replies: 14
Views: 1282

Re: Rising dividends good sign or neutral or bad

I don't even bother trying to read the signs. I'd only make a mess of it anyway.
by randomizer
Tue Aug 01, 2017 8:32 pm
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 9030

Re: Has the "bond bubble" caused you to change your allocation?

Did you increase your allocation to a stable value fund, or invest in an equity market neutral fund, managed futures, reinsurance, or other alternative funds? Did you begin to favor direct CDs over bond funds, shorten your duration, or take out a low rate loan as an inflation hedge? Did you buy "bo...
by randomizer
Tue Aug 01, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Do I Have Enough In My Emergency Fund?
Replies: 22
Views: 2786

Re: Do I Have Enough In My Emergency Fund?

6 months is just fine. If that runs out, dip into the bond part of your portfolio.
by randomizer
Mon Jul 31, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Should we increase our retirement savings rate?
Replies: 35
Views: 2722

Re: Should we increase our retirement savings rate?

For me the answer to this is always "yes, if you can". If you're happy living a frugal life, that is. And if you are, congratulations.
by randomizer
Mon Jul 31, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: If You're Uncomfortable With Your AA, Maybe You're In The Right Place
Replies: 26
Views: 2642

Re: If You're Uncomfortable With Your AA, Maybe You're In The Right Place

75:25 felt right to me before the highs. Feels right to me now too. Whether the market goes up or down over the next few years, I plan on rebalancing to stay at 75:25 until I get close to "my number" (which I doubt I'll ever really get to, tbh).
by randomizer
Mon Jul 31, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 59
Views: 5946

Re: What are your monthly expenses?

I live in a HCOL area. Calculating this number makes me sick.

Rent $2700
Credit card $4000 on average (that's groceries, utilities, travel etc basically everything)
Child care $1300
by randomizer
Sun Jul 30, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 4548

Re: New Milestone

investingdad wrote:As somebody that hit the two comma club at 39, and am 43 now, allow me to share that the second million should come a lot faster and easier than the first.

Helps if you are at the middle or beginning of a bull market.
by randomizer
Sun Jul 30, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method
Replies: 18
Views: 1274

Re: Cost Basis Method

SpecID is good.
by randomizer
Sun Jul 30, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11121

Re: Your "at peace" moments.

Sitting on the toilet.
by randomizer
Fri Jul 28, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6110

Re: Can I afford it ?

Yes.

I'm happy to live in a town with good public transport options, and good Zipcar coverage too. No cars for me. Wouldn't be surprised if that alone brings my retirement date forward by several years.
by randomizer
Fri Jul 28, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: Why is BND best?
Replies: 29
Views: 3872

Re: Why is BND best?

Another big factor is tax efficiency. If you are in a high tax bracket and you're talking about investing in a taxable account, tax-exempt bond funds are probably a better choice.
by randomizer
Fri Jul 28, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Are any advisors not self serving
Replies: 25
Views: 2074

Re: Are any advisors not self serving

I can't imagine a circumstance under which I would want any more financial advice than that which I can get on this board, and even less so when the incentives are so poorly aligned in the common case (commission-based sales, no fiduciary responsibility). I often read opinions on here that is along ...
by randomizer
Thu Jul 27, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Calculating investment performance relative to paying off mortgage
Replies: 3
Views: 301

Re: Calculating investment performance relative to paying off mortgage

3) After that, it is very simple. If your mortgage interest rate is 4%, make sure that your investment can return at least 6%. If it does not, pre-pay the mortgage. If it does, put more money into the mortgage. You can decide this one year at a time. Yep, I get that part. My question is about calcu...
by randomizer
Thu Jul 27, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Which 500 index fund
Replies: 15
Views: 1605

Re: Which 500 index fund

You should also read the wiki page on the difference between ETFs and mutual funds. I like mutual funds.
by randomizer
Thu Jul 27, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: Calculating investment performance relative to paying off mortgage
Replies: 3
Views: 301

Calculating investment performance relative to paying off mortgage

I have a fairly low rate mortgage, so I am not in a hurry to pay it off. In the meantime, I want to have an idea of how much money my investments have made so that I can compare their performance to the benefit I would have gotten from paying down my mortgage instead. I just wanted to explain the co...
by randomizer
Wed Jul 26, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8032

Re: Should you wait until the due date to pay credit card balance?

I set up auto payment for a day or two before due. Got to earn those few pennies of interest in my checking account!
by randomizer
Wed Jul 26, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 2192

Re: Pausing 401k to Pay Debts?

That is some tremendously scary levels of indebtedness. I really hope you can dig yourselves out of the hole, and then never slide back into it again.
by randomizer
Wed Jul 26, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: 5% fee per year to buy s&p500 with principle gaurantee
Replies: 64
Views: 6094

Re: 5% fee per year to buy s&p500 with principle gaurantee

The at-the-money Put on SPY for July 2018 sells a little above 13 and the underlying goes for almost 247. Dividends should be $5. So, I'll take you deal, short SPY and write those puts. Does anybody have any tricks for remembering what "puts", "calls", "options", "...
by randomizer
Wed Jul 26, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Critique my assumptions in buy vs. rent analysis
Replies: 19
Views: 1351

Re: Critique my assumptions in buy vs. rent analysis

There are a lot of assumptions in there, and small errors in estimates can turn your analysis from mildly favorable to disastrous. I'd rent. The Bay Area scares me.
by randomizer
Wed Jul 26, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: NY Times - Three Things I Should Have Said About Retirement Planning
Replies: 11
Views: 3083

Re: NY Times - Three Things I Should Have Said About Retirement Planning

Based on what I know now, I have put an addendum on the retirement advice I give to people: “And no matter how much money you think you are going to need, save another 15 percent, just in case.” 15% doesn't seem like much of a margin for error at all. I've been multiplying all my numbers by 1.25 my...
by randomizer
Wed Jul 26, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: International correlations hit 20 year low
Replies: 33
Views: 2966

Re: International correlations hit 20 year low

Which shows once again that looking at the past 15 or 20 years to look for patterns is strongly misguided. Like the alleged under-performance of international stocks... How can it be "alleged?" Has the U.S. not outperformed the rest of the world over the last 20 years? I'm not saying this...
by randomizer
Mon Jul 24, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doing? (dual physician household)
Replies: 45
Views: 5669

Re: How am I doing? (dual physician household)

Based on the title, I'd say pretty well.
by randomizer
Mon Jul 24, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 132
Views: 10795

Re: Another bay area housing thread..

Continue to rent. Be frugal. Save. Retire early, and not in the darn Bay Area.
by randomizer
Sat Jul 22, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: $725,000 Portfolio Review and Suggestions
Replies: 15
Views: 2637

Re: $725,000 Portfolio Review and Suggestions

I am not so good with concrete recommendations but it looks like you're doing great.
by randomizer
Sat Jul 22, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone set portfolio goals and rewards?
Replies: 35
Views: 2261

Re: Does anyone set portfolio goals and rewards?

I save all I can and track my progress, but I try not to overthink things on the spending side. I try to make rational decisions: seek out good value, buy only things I need etc. A meal out with the family is going to add more to my happiness and well-being than buying a toy, so I do that from time ...
by randomizer
Sat Jul 22, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11363

Re: What's your personal savings rate?

Approx 50% over the last few years. Max out 401k then rest into 3-fund in taxable. Varies a lot because most of comp is stock based so is market dependent.

Job change looming so expect that to drop a lot within a year or two.
by randomizer
Sat Jul 22, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 64
Views: 6307

Re: Most Americans don't trust financial advisers

tennisplyr wrote:While many Americans say they need financial guidance, most don't trust financial advisers a recent Wells Fargo survey shows.

Wise indeed!