Search found 418 matches

by Orbuculum Nongata
Fri Sep 18, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 114
Views: 16792

Re: Your "at peace" moments.

Barreling down a mountain bike trail that's almost beyond my skill level and at a speed that nearly, but not quite, outpaces my ability to navigate. It's probably the most dangerous thing I do yet it feels more safe, comfortable and relaxing than anything else (including sleep).
by Orbuculum Nongata
Thu Sep 17, 2020 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 261
Views: 14383

Re: Preparing for retirement in mid 30s

lecithar wrote: Wed Sep 16, 2020 5:40 pm
"Do you see any big problems with our plan?" YES, THIS > "we cannot fail."
ANY plan has to be able to fail.
by Orbuculum Nongata
Wed Sep 16, 2020 1:01 pm
Forum: Personal Investments
Topic: I need help in selecting a bond fund
Replies: 20
Views: 1771

Re: vanguard total bond market index.... VBTLX

In the timeframe you reference: VBTLX dropped from 11.62 to 10.87 (<10%) S and P 500 dropped from 3373 to 2237 (apprx. 30%) I would say VBTLX was in fact much less volatile. Adding to that, I feel like this is an example of where VBTLX performed well in reducing the risk of any investor who held it ...
by Orbuculum Nongata
Wed Sep 16, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: Stock that can act like bonds
Replies: 31
Views: 2231

Re: Stock that can act like bonds

ConfusedUKGuy wrote: Wed Sep 16, 2020 12:14 pm ... bonds I can’t really consider for religious purposes.

Thank you.
I'll be the first to admit I had no idea that owning bonds is frowned upon by a religion. Your post prompted me to read up on the subject. Thanks.
by Orbuculum Nongata
Sat Sep 05, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Did bonds really beat stocks over the last 20 years?
Replies: 34
Views: 3521

Re: Did bonds really beat stocks over the last 20 years?

Bastiat wrote: Sat Sep 05, 2020 8:47 am ...the foreseeable future.
Is there any such thing?
by Orbuculum Nongata
Fri Sep 04, 2020 4:15 pm
Forum: Investing - Theory, News & General
Topic: Carry on or Take your toys and go home ?
Replies: 102
Views: 8956

Re: Carry on or Take your toys and go home ?

Doom&Gloom wrote: Fri Sep 04, 2020 12:11 pm
Orbuculum Nongata wrote: Fri Sep 04, 2020 8:07 am
skor99 wrote: Thu Aug 06, 2020 6:52 pm ...do you take your toys and go home?
Can you think of a single "game" where, at the end, the winner says "let's play overtime instead"?
Sure. Almost all games involving betting...
My point exactly.
by Orbuculum Nongata
Fri Sep 04, 2020 8:07 am
Forum: Investing - Theory, News & General
Topic: Carry on or Take your toys and go home ?
Replies: 102
Views: 8956

Re: Carry on or Take your toys and go home ?

skor99 wrote: Thu Aug 06, 2020 6:52 pm ...do you take your toys and go home?
Can you think of a single "game" where, at the end, the winner says "let's play overtime instead"?
by Orbuculum Nongata
Sat Aug 29, 2020 1:00 pm
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 29354

Re: Bear Cub Smells Bubble

finite_difference wrote: Sat Aug 29, 2020 12:13 pm All companies need to be better for the world to be better.
I am not sure I understand this. Can you take a minute to elaborate? Thank you.
by Orbuculum Nongata
Sat Aug 29, 2020 12:53 pm
Forum: Personal Investments
Topic: What to do with $150K Bonus?
Replies: 31
Views: 3471

Re: What to do with $150K Bonus?

goingup wrote: Sat Aug 29, 2020 8:37 am Pay off the mortgage today.
Invest the rest according to your AA.
+1
by Orbuculum Nongata
Sat Aug 29, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 314
Views: 22234

Re: So what are you cooking

I just smoked a rack of cherry/post oak beef short ribs which we served with fresh sweet corn and black diamond watermelon.
by Orbuculum Nongata
Fri Aug 28, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7063

Re: "Hobby" Money: Planes, cars, boats etc...

papiper wrote: Fri Aug 28, 2020 9:28 am I joke with people that the way to fly happily is NEVER add up the cost...
Love that quote.

I joke with people that you can make a small fortune in private aviation... if you start with a large one.
by Orbuculum Nongata
Wed Aug 26, 2020 3:35 pm
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 29354

Re: Bear Cub Smells Bubble

1. Tech stocks are priced to perfection. TSLA, AAPL come to mind. 2. 100% stock portfolios are all the rage. Bonds are bad. Cash is trash. Gold is gross. 3. The mainstream is pushing TINA (There Is No Alternative to stocks) as well. 4. Almost everyone is either euphoric about stocks or has succumbe...
by Orbuculum Nongata
Mon Aug 24, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16288

Re: Do you talk to your friends/family/coworkers about this stuff?

brad.clarkston wrote: Sun Aug 23, 2020 12:55 pm Nope, this is my financial social circle.
+1
by Orbuculum Nongata
Thu Aug 20, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Roofing materials
Replies: 23
Views: 2681

Re: Roofing materials

We are in Wisconsin. Our house is 100 years old, very well built. We plan to stay for a long time. It's a very pitched roof, probably 10/12 or 12/12 (40-45 degrees), and up high enough (three stories) that we can't do a whole lot to maintain it throughout the year. Bonus question - anyone put in a ...
by Orbuculum Nongata
Wed Aug 19, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Replacing furnace filter
Replies: 11
Views: 828

Re: Replacing furnace filter

You could try a call to these guys. Maybe if you give them info off the filter you are removing or the furnace you are putting it in they can figure it out for you.
https://www.thefiltershopinc.com
by Orbuculum Nongata
Wed Aug 19, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: Can Academics Beat the Stock Market?
Replies: 109
Views: 7147

Re: Can Academics Beat the Stock Market?

I guarantee you anyone in this forum with a portfolio of only Apple, Google, Microsoft, and Amazon, will beat the market for the next three years. That's how easy it is. Not saying it's smart or viable long term, but it's not impressive to beat the market in the short term of one year Wait... what ...
by Orbuculum Nongata
Wed Aug 19, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4390

Re: Approach to "News" Consumption

I read the Telluride Daily Planet. Little to no national bs. Refreshing as the mountain air.
by Orbuculum Nongata
Tue Aug 18, 2020 8:46 am
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 7875

Re: Talk me out of Covid 19 timing

I am a physician and, therefore, interact with infectious disease and ICU/pulmonary physicians daily. This cracks me up. Why, may I ask? First off, no offense meant in any way whatsoever. I just always find it humorous when a person leads with I am a physician... No matter what follows or what the ...
by Orbuculum Nongata
Tue Aug 18, 2020 7:34 am
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 7875

Re: Talk me out of Covid 19 timing

KingRiggs wrote: Sun Aug 16, 2020 10:01 am
tibbitts wrote: Sun Aug 16, 2020 9:10 am
Kingpin wrote: Sun Aug 16, 2020 8:50 am

I am a physician and, therefore, interact with infectious disease and ICU/pulmonary physicians daily.
This cracks me up.
by Orbuculum Nongata
Mon Aug 17, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Where to find a quality, lower cost muscle car
Replies: 92
Views: 5656

Re: Where to find a quality, lower cost muscle car

So my question is what are the best sources to find old muscle cars that are not someone else's headache? I imagine there are forums out there or some ways to find decent older vehicles in good shape, perhaps after the summer season up here in the northeast? Or elsewhere throughout the country..? M...
by Orbuculum Nongata
Mon Aug 17, 2020 7:29 am
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 7875

Re: Talk me out of Covid 19 timing

Once again, as the retirement goal becomes closer everyone becomes a market timer... I’m not entirely sure I understand this. Upon retirement many wise investors shatter the illusion that retirement somehow triggers the need to time the market. They continue to invest entirely according to their ri...
by Orbuculum Nongata
Mon Aug 17, 2020 6:58 am
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 7875

Re: Talk me out of Covid 19 timing

Kingpin wrote: Sun Aug 16, 2020 7:59 am Talk me out of...
Why? If you feel the need to time the market, do it. It’s your money. It’s your risk tolerance.
...in early spring...
What makes you so sure now that early spring will seem less risky when it arrives? And if it doesn’t, what will you do then?
by Orbuculum Nongata
Sun Aug 16, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Did any inheritance make positive effect on your life?
Replies: 229
Views: 18953

Re: Did any inheritance make positive effect on your life?

flyingaway wrote: Sat Aug 15, 2020 10:41 am ...to thank them for raising me.
Cool.
by Orbuculum Nongata
Sun Aug 16, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15246

Re: Products that last forever

UncleBen wrote: Sat Aug 15, 2020 6:23 am My 36 year old Maytag washer and dryer and 37 year old Electrolux canister vacuum.
+1 on the Maytag washer and dryer. Still have the one’s we got in 1994. Both still work great.
by Orbuculum Nongata
Sun Aug 16, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15246

Re: Products that last forever

Pitmaker Safe Smoker http://www.pitmaker.com/product/vin/?vin=62369936

Eley hose reel.

The early generation iPad I’m typing on.
by Orbuculum Nongata
Fri Aug 14, 2020 1:43 pm
Forum: Personal Investments
Topic: Aggressive pessimism and yet investing
Replies: 36
Views: 2473

Re: Aggressive pessimism and yet investing

Superleaf444 wrote: Fri Aug 14, 2020 9:46 am ... that is the industry I work.


...coincidence?
by Orbuculum Nongata
Wed Aug 12, 2020 4:24 pm
Forum: Personal Investments
Topic: Assets going from 600K->15M, should I change my asset allocation?
Replies: 175
Views: 17380

Re: Assets going from 600K->15M, should I change my asset allocation?

I would have no problem with all the folksy “if it’s good enough for my $150k it’s good enough for your $15M” wisdom around here... Spoiler alert. There are more of the latter than the former here. If you stick around a while you’ll realize many of them don’t post as much in a year as you have toda...
by Orbuculum Nongata
Wed Aug 12, 2020 1:20 pm
Forum: Personal Investments
Topic: Assets going from 600K->15M, should I change my asset allocation?
Replies: 175
Views: 17380

Re: Assets going from 600K->15M, should I change my asset allocation?

RocketShipTech wrote: Tue Aug 11, 2020 1:50 pm With $15M you can afford better advice than Bogleheads
+1 that he or she can afford it

-1 that paid advice will necessarily be better
by Orbuculum Nongata
Tue Aug 11, 2020 1:04 pm
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 158
Views: 11352

Re: Moving to Cash?

livesoft wrote: Tue Aug 11, 2020 10:16 am In contrast, I am incredibly optimistic because of all the changes that are on the horizon. ...I am not moving to cash.
+1 My optimism is high. My allocation is within my risk tolerance. Why change either?
by Orbuculum Nongata
Sun Aug 09, 2020 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: War chest size needed for major a career transition
Replies: 6
Views: 1236

Re: War chest size needed for major a career transition

Hello. I'm interested in thoughts on the financial reserves needed to manage through a career transition without drawing down on your long-term investment portfolio. To me: Younger (20's and 30's) = 2 years of living + education expenses. Seems excessive to me. Older (40's and 50's) = 5 years of li...
by Orbuculum Nongata
Mon Aug 03, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: So the stock market is forward looking. How forward?
Replies: 23
Views: 2152

Re: So the stock market is forward looking. How forward?

Is it forward looking or more like forward guessing?
by Orbuculum Nongata
Sat Aug 01, 2020 12:13 pm
Forum: Investing - Theory, News & General
Topic: Is entrepreneurship anti-Boglehead?
Replies: 41
Views: 2515

Re: Is entrepreneurship anti-Boglehead?

Entrepreneurship is very risky. You have 0 diversification. For years most entrepreneurs will need to reinvest all proceeds directly into the business at the expense of building a Boglehead portfolio. I started a business 10 years ago when I was around 30 that has been successful. After many, many ...
by Orbuculum Nongata
Sun Jul 26, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Talk me out of or into this (purchasing a new vehicle).
Replies: 51
Views: 3697

Re: Talk me out of or into this (purchasing a new vehicle).

Sandtrap wrote: Sun Jul 26, 2020 8:49 am Situations reveal true desires.

Sounds like you want a new car regardless and are strategizing for good reasons for the switch....

...Either way, the gold is off the Lilly so to speak and you should modify your original post and title with “what new car should I buy?”
amen
by Orbuculum Nongata
Sun Jul 26, 2020 7:57 am
Forum: Personal Consumer Issues
Topic: Talk me out of or into this (purchasing a new vehicle).
Replies: 51
Views: 3697

Re: Talk me out of or into this (purchasing a new vehicle).

I have a 2009 Tacoma with just under 100k miles. Today, it gave me its first scare--stalled in a parking lot and didn't want to start for about 30 minutes. Since then, it's been running fine, so I think it was just a minor hiccup but who knows. Anyway, my family and I are big road trippers and camp...
by Orbuculum Nongata
Sat Jul 25, 2020 6:30 pm
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 174
Views: 18599

Re: What is your game plan as market is reaching its previous all time high?

For me, I'm going to do a rebalance, probably a little bit larger than normally planned, slightly before the market reaches the previous all time high. Background: 56, FI achieved, wants to maintain asset allocation between 70/30 and 60/40. What is your game plan? To quote David Byrne: “same as it ...
by Orbuculum Nongata
Fri Jul 24, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Backyard BBQ - easy
Replies: 42
Views: 3764

Re: Backyard BBQ - easy

So at this point my family has turned vegetarian and I'm the only one who occasionally eats any fish/chicken/lamb chops. I’m so sorry! Kids don't like the smell of meat - and I respect that - so taking my cooking outside. Not something they want but I understand. Kids these days. Any recommendation...
by Orbuculum Nongata
Tue Jul 21, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: LifeLock worth it?
Replies: 7
Views: 533

Re: LifeLock worth it?

DaftInvestor wrote: Tue Jul 21, 2020 9:10 am Waste of money. Freeze all your credit - download your credit reports at least annually to make sure everything is reported correctly.
+1
by Orbuculum Nongata
Mon Jul 20, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 892
Views: 53268

Re: What are you listening to now

Lenny Kravitz Tiny Desk Concert
https://www.npr.org/?jwsource=cl
by Orbuculum Nongata
Mon Jul 20, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 5986

Re: Walking OK with sun exposure?

I quit my gym a while back because of COVID and now I walk in the morning instead. Should I worry about sun exposure? I use some suncreen (Coppertone spf70) but I can't really cover all of me with it. I tried a hat too but I get too hot. Any suggestions for walking in the sun? Thanks. Timely... htt...
by Orbuculum Nongata
Mon Jul 20, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: Convince me not to sell all my US equities to Cash temporarily
Replies: 135
Views: 11313

Re: Convince me not to sell all my US equities to Cash temporarily

HippoSir wrote: Mon Jul 20, 2020 12:42 pm I will never understand why people approach this kind of thing with "it's all or nothing!" thinking. If your allocation is beyond your risk tolerance, just adjust your allocation, maybe go to 60/40.
+1
by Orbuculum Nongata
Fri Jul 17, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: How do you buy time with money?
Replies: 47
Views: 3921

Re: How do you buy time with money?

I saw time for sale in the airport on a magazine rack. You could buy as many as you wanted.
by Orbuculum Nongata
Fri Jul 17, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: What are these dirt pieces on my car?
Replies: 19
Views: 1438

Re: What are these dirt pieces on my car?

Mr. Rumples wrote: Fri Jul 17, 2020 3:31 pm ... my bet is bat droppings.
+1
by Orbuculum Nongata
Thu Jul 16, 2020 12:19 pm
Forum: Personal Investments
Topic: The Journey Begins...
Replies: 12
Views: 2032

Re: The Journey Begins...

The Vanguard account is created. Since the account transfer hasn't completed yet, I'm going to have to settle with a starting seed of $1000. But I'm sure the money will be well spent. For now, I'm looking at VTI, BND, and a little VXUS. I can always switch to the respective Admiral funds after the ...
by Orbuculum Nongata
Fri Jul 10, 2020 12:52 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 150
Views: 10203

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

[Title edited for clarity -- mod oldcomputerguy] Is this a crazy idea? Or, does this seem like a reasonable bet to make? I’ll tell you in five years! It may turn out to have been a crazy idea, or maybe not, but I don’t know how anyone here will be able to predict that. Is your risk tolerance up to ...
by Orbuculum Nongata
Thu Jul 09, 2020 2:23 pm
Forum: Investing - Theory, News & General
Topic: Reaching for Yield: Is It Really Different This Time?
Replies: 79
Views: 5537

Re: Reaching for Yield: Is It Really Different This Time?

Is the Malkiel/Siegel advice, to ramp up equity allocation and reduce fixed income allocation, even in retirement, really good advice? Is it REALLY different his time? My opinion is that it seems more like an episode of “As the Pendulum Swings” than it does good advice. Past “it’s-different-this-ti...
by Orbuculum Nongata
Thu Jul 09, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 12991

Re: You have a second chance to reduce your stock holdIng

...All those possibilities still exist! The market could begin to tumble tomorrow and we could have lows that last for months and years. All of those possibilities (and more) always exist. The market could begin to tumble (or start a new run toward record highs) tomorrow and we could have lows (or ...
by Orbuculum Nongata
Wed Jul 08, 2020 1:26 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9667

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Hello Everyone, Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would never take th...
by Orbuculum Nongata
Wed Jul 08, 2020 1:12 pm
Forum: Personal Investments
Topic: How to invest $500K?
Replies: 10
Views: 1544

Re: How to invest $500K?

... in the current economic conditions? That's a mistake. You want to invest in a way that's good for ALL economic conditions. This is what selecting an asset allocation (AA) is all about. A mix of socks and bonds is what you want. More stocks is more aggressive. Economic conditions can change fast...
by Orbuculum Nongata
Wed Jul 08, 2020 7:58 am
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 12991

Re: You have a second chance to reduce your stock holdIng

...All those possibilities still exist! The market could begin to tumble tomorrow and we could have lows that last for months and years. All of those possibilities (and more) always exist. The market could begin to tumble (or start a new run toward record highs) tomorrow and we could have lows (or ...
by Orbuculum Nongata
Tue Jun 30, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: My next move: 1 M in gold and 1 M in Zoom
Replies: 75
Views: 4040

Re: My next move: 1 M in gold and 1 M in Zoom

Following my successful investment that I have documented in real time here... Two thoughts. 1) Is there any proof that you actually made those purchases (I’m too lazy to read your link) or are you just referencing their performance? 2) You sound an awful lot like a good friend of mine who likes to...