Search found 2154 matches

by GoldenFinch
Fri May 22, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 256
Views: 16438

Re: The axe falls and I am prepared. What's next?

Klangfool I have always enjoyed your posts! I’m sorry that this layoff has happened. You were well prepared for this possibility and I wish you well in figuring out whether to retire or not. Best of luck and I look forward to your future posts.
by GoldenFinch
Wed May 20, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4047

Re: what to do about 1000s of dandelions/weeds?

One summer I spent about six hours digging them up over a couple of days. I felt a true sense of accomplishment when I was done. It’s great exercise and not as miserable of a job as one might imagine.
by GoldenFinch
Wed May 20, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5175

Re: Secrets to a great lawn

Manual reel mower. Seriously. :happy
by GoldenFinch
Sun May 17, 2020 6:49 am
Forum: Investing - Theory, News & General
Topic: Big changes to S&P 500?
Replies: 24
Views: 2453

Re: Big changes to S&P 500?

I don’t understand why companies being dropped from the S&P would be considered “active.” Companies are in or out based on specific criteria met or unmet. No they aren't. This is from S&P 500 index methodology handbook: S&P Dow Jones Indices believes turnover in index membership should be avoided w...
by GoldenFinch
Sun May 17, 2020 6:07 am
Forum: Investing - Theory, News & General
Topic: Big changes to S&P 500?
Replies: 24
Views: 2453

Re: Big changes to S&P 500?

I don’t understand why companies being dropped from the S&P would be considered “active.” Companies are in or out based on specific criteria met or unmet. The S&P is always changing.
by GoldenFinch
Sat May 16, 2020 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 136
Views: 11514

Re: Optimizing PPP Forgiveness

https://home.treasury.gov/system/files/136/3245-0407-SBA-Form-3508-PPP-Forgiveness-Application.pdf The PPP Forgiveness Form is now available. Thank you so much for pointing us to this form. Now the BH review/analysis of the form can start..... The “alternative payroll covered period” addition is go...
by GoldenFinch
Tue May 12, 2020 1:07 pm
Forum: Personal Investments
Topic: Invest or Pay Down Mortgage?
Replies: 14
Views: 904

Re: Invest or Pay Down Mortgage?

There are many threads addressing this topic. If you search “pay off mortgage” in the Bogleheads search bar you will find a lot of advice. I would suggest paying it off as long as you are maxing out retirement accounts.
by GoldenFinch
Mon May 11, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Unemployment Claim against my name
Replies: 7
Views: 1210

Re: Fraudulent Unemployment Claim against my name

I’m sorry this happened to you. The same thing happened to my husband a few years ago. He filed a police report and froze his credit.
by GoldenFinch
Mon May 11, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 58
Views: 3381

Re: Should I purchase my end-of-lease Audi A4?

My Audi, bought after a three year lease, was a disaster. It ended up having continuous mechanical problems. Maybe it was just a lemon, but it was a bad experience. I had an Audi A-4 T lemon bought gently used (off lease). This was a long time ago but after replacing 2 engines and having it towed o...
by GoldenFinch
Mon May 11, 2020 2:11 am
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 58
Views: 3381

Re: Should I purchase my end-of-lease Audi A4?

Thank you Adam and Golden. Out of curiosity, what year Audi’s did you have? Mine was 2008, which was a long time ago, but the memories of taking the car into the dealer are fresh in my mind. I really loved many aspects of the car itself, but it was so unreliable and very expensive to maintain. Mayb...
by GoldenFinch
Sun May 10, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 58
Views: 3381

Re: Should I purchase my end-of-lease Audi A4?

My Audi, bought after a three year lease, was a disaster. It ended up having continuous mechanical problems. Maybe it was just a lemon, but it was a bad experience.
by GoldenFinch
Sat May 09, 2020 4:34 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526438

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

Down 9.1% mostly because of international and small caps.
by GoldenFinch
Fri May 08, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: Audi A8 or keep looking?
Replies: 30
Views: 2353

Re: Audi A8 or keep looking?

Owned an Audi and it was always breaking down. You have to like hanging around mechanics if you get unlucky with an Audi. I was so happy when I got rid of it. Lexus is so much more reliable.
by GoldenFinch
Fri May 08, 2020 2:56 pm
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 2643

Re: Thank you, moderators!

Yes! Thank you to all of moderators. You all really work hard to keep this site top notch. Please know you are greatly appreciated. :beer
by GoldenFinch
Wed May 06, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3222

Re: Should you tip landscapers?

I have never heard of anyone doing that and we live in a neighborhood where 90% of people hire landscapers for both regular maintenance and “special projects.”
by GoldenFinch
Tue May 05, 2020 5:40 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11141

Re: All my friends are outperforming index funds

You own the same stocks they do inside your index fund. Your friends are just concentrating their risk into a handful of stocks. Now they have to manage the risk of those stocks as the stock prices go up and down, deciding if they should sell or not. Keep watching what they do (both your friends and...
by GoldenFinch
Mon May 04, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: Uh, Cramer? [urging us to dump S&P 500 index funds]
Replies: 15
Views: 2177

Re: Uh, Cramer?

nisiprius wrote:
Mon May 04, 2020 6:37 pm

He cannot keep people interested by saying the same thing every day. He couldn't keep you watching if he just said every day "just buy VTI and just keep holding it."
Although, that works pretty well around here. Hahaha
by GoldenFinch
Mon May 04, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97001

Re: Well, I am market timing due to coronavirus... Wish me luck.

the OP says they are changing their AA (not a totally unusual event for an investor) and 23 pages later it is still being discussed. It's not that, it's a lot more. For me what's remarkable is how his initial call (that market was acting irrationally by ignoring CV) and timing were amazingly on poi...
by GoldenFinch
Sat May 02, 2020 1:57 pm
Forum: Personal Investments
Topic: [Cashed out in panic, how to get back in?]
Replies: 35
Views: 3834

Re: [Cashed out in panic, how to get back in?]

Please help me understand how someone can "cash out" and not get a huge tax hit? I am a long term investor and could not cash out much without a nasty tax bill. Thank you for the help. Sadie If you have a lot of tax loss harvest dollars waiting to be used from previous crashes you can cash out pret...
by GoldenFinch
Fri May 01, 2020 6:31 am
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 2985

Re: Are gamblers using the market now that casinos are closed?

I’m not a gambler, but I’m buying on autopilot as usual through the ups and downs and flats and ups and....etc... How dare you! Haven't you read all the recent postings on Bogleheads about how market timing is now the preferred investment approach!?!?? Hahaha! I guess I’m stuck in the olden days. (...
by GoldenFinch
Thu Apr 30, 2020 11:47 am
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 2859

Re: What is a Boglehead? Some Fun.

Okay, I will try. Tell me if this description works: A Boglehead is someone who puts Dr. Pepper on their oatmeal, looks for Really Bad Days and teaches inquiring minds how to tax loss harvest using index funds and etfs with names like voo and ijs. Is that any good? :twisted: That is hilarious! And ...
by GoldenFinch
Thu Apr 30, 2020 11:05 am
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 2985

Re: Are gamblers using the market now that casinos are closed?

I’m not a gambler, but I’m buying on autopilot as usual through the ups and downs and flats and ups and....etc...
by GoldenFinch
Thu Apr 30, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 3688

Re: PPP Loan ethics

I am the owner and only employee of an LLC who files tax as an S-Corp. On April 5th I applied for the PPP loan per their rules (2.5x monthly payroll) and received a loan for $15,500 to cover loss of payroll during the period affected by the Covid-19 shutdown. My last day worked was March 24, 2020 s...
by GoldenFinch
Wed Apr 29, 2020 10:15 am
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9262

Re: Anyone wish they would have invested more during recent downturn?

I’ve continued making my normal 401k contributions, but I will admit that I haven’t been buying my normal 1-fund investment (Wellesley). Instead, I’ve been buying something called Vanguard Total Stock Market Index (VTI). This is probably an unwise, speculative play, but seeing that ETF tank and the...
by GoldenFinch
Tue Apr 28, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9262

Re: Anyone wish they would have invested more during recent downturn?

The only way I can really protect myself from making behavioral errors (protect myself from myself) is to automate my investments. I learned that a long time ago and it has worked well for us. I buy on the way down and buy on the way up. I also rebalance when I hit certain numbers.
by GoldenFinch
Mon Apr 27, 2020 10:04 pm
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 2859

Re: What is a Boglehead? Some Fun.

Okay, I will try. Tell me if this description works: A Boglehead is someone who puts Dr. Pepper on their oatmeal, looks for Really Bad Days and teaches inquiring minds how to tax loss harvest using index funds and etfs with names like voo and ijs. Is that any good? :twisted: That is hilarious! And ...
by GoldenFinch
Mon Apr 27, 2020 9:59 pm
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 2859

Re: What is a Boglehead? Some Fun.

Okay, I will try. Tell me if this description works: A Boglehead is someone who puts Dr. Pepper on their oatmeal, looks for Really Bad Days and teaches inquiring minds how to tax loss harvest using index funds and etfs with names like voo and ijs. Is that any good? :twisted:
by GoldenFinch
Mon Apr 27, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Employer not depositing 401k funds right away
Replies: 7
Views: 602

Re: Employer not depositing 401k funds right away

At least in my experience, the money moves through an intermediary and it doesn’t post right away. When it posts can vary from paycheck to paycheck, but it will always be posted before the next paycheck. It is a bit annoying. It doesn’t mean your employer isn’t doing their part.
by GoldenFinch
Sun Apr 26, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 297
Views: 16719

Re: [On-going Scams - Post them here]

A friendly and professional sounding guy calling from Gulf Coast Western and asking for you by name. It’s an oil rig operation that is actually a Ponzi scheme. Hang up as soon as they say Gulf Coast Western.
by GoldenFinch
Sat Apr 25, 2020 7:50 pm
Forum: Personal Investments
Topic: Buyer's remorse - stock
Replies: 19
Views: 1633

Re: Buyer's remorse - stock

No time limit.
by GoldenFinch
Sat Apr 25, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6970

Re: Go or no go on Carnival cruise

Be smart about this decision. Do not go. Cancel.
by GoldenFinch
Sat Apr 25, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Can High School Students Working Part-Time Get Unemployment?
Replies: 13
Views: 1882

Re: Can High School Students Working Part-Time Get Unemployment?

If you claim her as a dependent on your taxes, I don’t think she can receive unemployment.
by GoldenFinch
Wed Apr 22, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9341

Re: I Got Scammed To Send Amazon Gift Cards

Wouldn't she have to go to the bank personally to do a wire transfer anyway? You can wire money online, at least from BOA and I assume others. I did it on a refi. I think there was a $25 charge. You just have to pick the right option instead of ACH. In the scam that GoldenFinch is referring to, I b...
by GoldenFinch
Wed Apr 22, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9341

Re: I Got Scammed To Send Amazon Gift Cards

The only thing that kept her from wiring the money was that she had never done a wire transfer and had to ask someone how to do it. The scam was revealed and we shut off all wire transfer capability with our bank. What wire transfer capability did you shut off? Wouldn't she have to go to the bank p...
by GoldenFinch
Wed Apr 22, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9341

Re: I Got Scammed To Send Amazon Gift Cards

They probably resold it already. I think Amazon could still unwind it unless goods have been shipped. You may not reach someone capable of doing that, however. One suggestion. Post the full text with any personal details removed. That way, the next person who gets the e-mail may happen upon your po...
by GoldenFinch
Mon Apr 20, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Price of oil has collapsed; how will this impact the economy?
Replies: 108
Views: 8254

Re: Price of oil has collapsed; how will this impact the economy?

jebmke wrote:
Mon Apr 20, 2020 1:30 pm
Money and oil are free now.
Just when I thought we had reached peak Twilight Zone....
by GoldenFinch
Mon Apr 20, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8071

Re: [Oil futures prices plummets, Bogleheads react]

So can someone smarter than me (that means any one of you) please explain what this oil price collapse will mean for markets and the general public. Thanks! :happy


Edit:

Never mind. I found this thread: viewtopic.php?p=5198889#p5198889
by GoldenFinch
Sat Apr 18, 2020 12:17 pm
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3047

Re: Why do I have Vanguard Tax-Exempt funds?

Are they not showing a gain because the dividends were reinvested? Aren’t the dividends most of the gain in the case of bonds?
by GoldenFinch
Sat Apr 18, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

I used to go to the grocery store as needed, now I go once a week and am more deliberate about what I buy. I’ll keep that up. Used to buy clothes a lot, now I realize I have more than enough. I’ll skip shopping for clothes. Used to eat out regularly, now making nicer dinners at home. Probably keep t...
by GoldenFinch
Fri Apr 17, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5805

Re: How are you exercising with gym closures

I loved the gym in the morning for running, machines and the pool. Lately I’ve been riding my bike either 14 or 22 miles a day. I go early in the morning to avoid crowds. It’s cold and snowy in the Midwest these last couple of days though so I’ll have to figure out something else.
by GoldenFinch
Fri Apr 17, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15562

Re: Bird watchers – what birds are you seeing?

I'm not really a birder, so don't know their actual names. What we call "submarine bird" on the lake. He goes under and swims for a while, then re-surfaces 30 yards away. Cormorants, I think. if freshwater, may be Loon. Trying to remember ever seeing Cormorants in freshwater. Just Googled it and ap...
by GoldenFinch
Fri Apr 17, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15562

Re: Bird watchers – what birds are you seeing?

Jack FFR1846 wrote:
Fri Apr 17, 2020 7:23 am
I'm not really a birder, so don't know their actual names.


What we call "submarine bird" on the lake. He goes under and swims for a while, then re-surfaces 30 yards away.
Cormorants, I think.
by GoldenFinch
Fri Apr 17, 2020 4:54 am
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16393

Re: whos' just about had it w/ SCV ?

I don’t have a lot of either, but I’m tempted to sell my international and buy more small cap.
by GoldenFinch
Thu Apr 16, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7479

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Did anyone else get an SBA loan number without an actual approval? What does that mean? Out of luck? Door slammed on your foot? If you get an SBA loan number you're likely going to get funded. It might not be for a week or two depending on the bank's processes. Just DocuSigned. I guess we squeaked ...
by GoldenFinch
Thu Apr 16, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7479

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Did anyone else get an SBA loan number without an actual approval? What does that mean? Out of luck? Door slammed on your foot?
by GoldenFinch
Thu Apr 16, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7479

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Hi I uploaded my payroll and other forms last Saturday. Stuck in the same situation “your loan is being processed”. Did you ever definitively see that your loan was “approved” On a side note — us bank made a credit inquiry this morn. Not sure if this is ppp related. I did recently open a new heloc ...
by GoldenFinch
Thu Apr 16, 2020 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7479

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

For those that have been approved and funded, how many employees do you have? I am wondering if the banks are going from large to small. I applied with BOA on day one, uploaded all documents, and have heard crickets since. Nobody over there can answer anything. I have 5 employees total. Our bank co...
by GoldenFinch
Wed Apr 15, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7479

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Jimsad wrote:
Wed Apr 15, 2020 4:51 pm
Fmbankandtrust
The person I am dealing with said he has hit his cap .
But you can try contacting their bank
Good luck!
What cap was hit? Is each bank only allowed to process a certain number of loans?
by GoldenFinch
Wed Apr 15, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7479

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Bank called us this afternoon and said our paperwork is in underwriting. Hopefully that’s a good sign, but who knows.
by GoldenFinch
Wed Apr 15, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Re: Eating out after lock-down is lifted

My husband and I used to really enjoy going to restaurants. We went for the atmosphere and people as much as the food and drink. We have a few friends who own restaurants and we always enjoyed going to their restaurants and seeing them and enjoying a nice dinner. Now that I have to wait in a line wi...