Search found 1840 matches

by GoldenFinch
Fri Aug 23, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: I spend no money so am I over-saving for retirement?
Replies: 52
Views: 4021

Re: I spend no money so am I over-saving for retirement?

Some ideas: Enrich the life of your three year old as the years go by. Better schools, music lessons, books, sports, hobbies, tutoring, art lessons, fun summer camps. Maybe the college of their choice regardless of the sticker price? Early retirement might be nice so you can spend a lot of quality t...
by GoldenFinch
Fri Aug 23, 2019 2:07 pm
Forum: Personal Investments
Topic: Mom-in-law divorced at 67, investment plan advice
Replies: 26
Views: 2963

Re: Mom-in-law divorced at 67, investment plan advice

Thank you all. This is all great advice. MIL was married 12 years, and the $1k in social security includes the spousal portion. She's only had a job for maybe 5 years of her life. I told her last night that she can't afford the financial advisor, but is insistent as she has no idea about finances. ...
by GoldenFinch
Wed Aug 21, 2019 8:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: US Stocks in Free Fall thread

If only I didn't have to maintain such high personal standards, I would start a "US Stocks In Free Fall thread thread" thread. I don't know, I was quite annoyed when the English majors took their red pen out and changed "freefall" to "free fall". It was like a kindergartner scribbling in the Gutenb...
by GoldenFinch
Wed Aug 21, 2019 3:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: US Stocks in Free Fall thread

If only I didn't have to maintain such high personal standards, I would start a "US Stocks In Free Fall thread thread" thread. I don't know, I was quite annoyed when the English majors took their red pen out and changed "freefall" to "free fall". It was like a kindergartner scribbling in the Gutenb...
by GoldenFinch
Thu Aug 15, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2412
Views: 435411

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

Sheepdog wrote:
Thu Aug 15, 2019 7:06 pm
8/15/19 UP 7.62% 26.5% STOCKS
Nice! :beer
by GoldenFinch
Wed Aug 14, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

It was an RBD for some things. Just because it was an RBD does not mean it won't turn out that we really are in a free fall as well. The two are not mutually exclusive. :twisted: For those who shorted the market at 6 AM it was a really good day. That is what the ETrade Baby did. Warning! Short and ...
by GoldenFinch
Wed Aug 14, 2019 4:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

What I really want to know is if this is a RBD or are we really in free fall. Too bad the market closed before I even had the chance to think about rebalancing. It was an RBD for some things. Just because it was an RBD does not mean it won't turn out that we really are in a free fall as well. The t...
by GoldenFinch
Wed Aug 14, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Skunks keep coming in our yard!
Replies: 44
Views: 2928

Re: Skunks keep coming in our yard!

When I was a kid my cat got sprayed right before the whole family (including our darling kitty) had to drive for 11 hours back to our old house. I actually don’t mind the smell at this point in my life because I associate it with summer and my cat. I still miss my cat.
by GoldenFinch
Wed Aug 14, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

I know market timing is stupid, but I've been at my 1st job now for 1.5 years and it's felt like my portfolio has been spinning the wheels with the rest of the market. I've got a 401(k) and Roth with about even funds 85/15. Does anyone here think I need to move out of stocks until the big drop happ...
by GoldenFinch
Tue Aug 13, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

I'd like to announce my new investment strategy: I'll only be in the markets on Tuesdays. :moneybag :moneybag :moneybag https://i.imgur.com/dqzA6rC.png I can't lose! h/t https://www.wsj.com/articles/welcome-to-turnaround-tuesday-11565080984?shareToken=st7921150e8f01442c8a7194bc6f48c13d Tomorrow is ...
by GoldenFinch
Thu Aug 08, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

pokebowl wrote:
Tue Aug 06, 2019 2:14 pm
Bluce wrote:
Tue Aug 06, 2019 8:54 am
First in. :shock:

It's different this time, the "free fall" is over, lock the other thread. :annoyed
Who here remembers the great crash of early August 2019?
It was brutal! But thankfully my memory of the horror is fading since it was so many hours ago.
by GoldenFinch
Wed Aug 07, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

We may be plunging towards a black swan event- an equity market with no bottom. I sold all equities in Jan2018 and predicted DOW 16,000. Now I think I was wrong. It's going to be far worse than that. This market has been propped up and managed for years now. I think it's over. I'm in short term tre...
by GoldenFinch
Mon Aug 05, 2019 3:35 pm
Forum: Investing - Theory, News & General
Topic: Time to take out the canes
Replies: 19
Views: 4091

Re: Time to take out the canes

cheese_breath wrote:
Mon Aug 05, 2019 12:30 pm
Big Dog wrote:
Mon Aug 05, 2019 10:01 am
what's a 'broker's office'? :D
That's a place where a guy or lady helps you go broke while (s)he becomes rich.
You have to read the small print:



My STOCK guy makes me BROKER.
by GoldenFinch
Mon Aug 05, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

So the S&P is back where it was June 6th. Not all that bad really.
by GoldenFinch
Mon Aug 05, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7282

Re: Financial anxiety and next steps in relationship

It sounds like if you got married you would be starting out with a combined net worth of about 70k (assets minus debt). If this really bothers you, tell her it bothers you and ask her how she feels about it. The conversation will help you both make the right decision and move on with your lives toge...
by GoldenFinch
Mon Aug 05, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

As dramatic as this drop looks, we are only back to the beginning of June (so far).
by GoldenFinch
Mon Aug 05, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

livesoft wrote:
Mon Aug 05, 2019 9:42 am
Hmm, does anybody think today might be an RBD for some things? :twisted:
Yes.
by GoldenFinch
Sun Aug 04, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing vehicle that was bought back by Audi
Replies: 7
Views: 795

Re: Purchasing vehicle that was bought back by Audi

My Audi (bought new) was a lemon and a huge money pit. We were so happy when we got rid of that car. I wouldn’t go near an Audi. Lexus or Toyota are reliable cars. Good luck with your decision.
by GoldenFinch
Sat Aug 03, 2019 4:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

That’s quite a chart!
by GoldenFinch
Sat Aug 03, 2019 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?
Replies: 58
Views: 5199

Re: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?

What I would do with the 300k: Find a nice enough house for 200k. Take out a mortgage for 100k and invest the 200k.
by GoldenFinch
Fri Jul 26, 2019 6:37 am
Forum: Personal Finance (Not Investing)
Topic: How do you move past old financial mistakes?
Replies: 57
Views: 4758

Re: How do you move past old financial mistakes?

There was no way for you to know that the other house was going to appreciate so much. Focus on the things you have control over like how much you save and your asset allocation.
by GoldenFinch
Tue Jul 23, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Stinky wrote:
Tue Jul 23, 2019 3:33 pm
S&P closed at 3,005 today.

Any close above 3,000 is “soaring”.
This is nice. 3005. I remember 2000....not too long ago.
by GoldenFinch
Mon Jul 22, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets returning to work after baby? Glad you did?
Replies: 9
Views: 879

Re: Any regrets returning to work after baby? Glad you did?

Many, many years ago (early in my working career, so we're talking 40 years at least) I read a survey about mothers who either stayed home or went back to work and whether or not they were happy with their decision. The conclusion of that survey was that the mothers were happiest when they could do...
by GoldenFinch
Mon Jul 22, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 2936

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

I own a dog who ignores other barking and aggressive dogs. Here is a suggestion that might work: Get a dog that is deaf and blind and likes to be outside. Install your dog next to the neighbor's fence where those dogs can bark. Make sure the neighbor's dogs do bark and hopefully 24/7. Or if you lik...
by GoldenFinch
Sat Jul 20, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Anyone install fake grass?
Replies: 35
Views: 3362

Re: Anyone install fake grass?

Bad for environment. Go natural.
by GoldenFinch
Sat Jul 20, 2019 9:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

I’m not understanding how this post/thread is actionable. Same with the free fall one. Am I missing something? CoastalWinds, It is an emotional support thread to stop folks from overreacting. Ditto for the free-fall one. KlangFool Then don’t they offset each other? 😁 When that happens you can ponde...
by GoldenFinch
Thu Jul 18, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

I really do like making money while on vacation. Go baby, go! As my investments compound and my gains soar I can't believe this is legal. I keep expecting Homeland Security to kick down my door and size my computer. People get ten to twenty stealing much less on Main Street. Wall Street is the plac...
by GoldenFinch
Wed Jul 17, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 3612

Re: Apple Watch Worth The $$$?

It’s a toy. My husband loves his.
by GoldenFinch
Wed Jul 17, 2019 4:12 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 64
Views: 5468

Re: Ferri? Or Vanguard PAS?

I like Rick Ferri and enjoy his contributions here. But unless you have a really complicated financial situation, why pay anyone? Personally, if I HAD to go with a service, I would choose Vanguard PAS. (You can do this yourself!)
by GoldenFinch
Tue Jul 16, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 72
Views: 6236

Re: Take the cash or the free dinner?

Did you read the fine print? What’s the catch? :happy

They probably only give you the money after you sign something.
by GoldenFinch
Sat Jul 13, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

GoldenFinche, S&P 3013 nearly 11 months later. Even if it was down 20 % I would still be making the biweekly deposits! S&P 2896.74. Twenty years from now, as i start drawing to fund retirement, I wonder if i will regret this biweekly purchase of stocks. My bet is that in 20 years you will be very h...
by GoldenFinch
Fri Jul 12, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

I also don’t need to ask whether or not to take a mortgage because I’ve read about 20 threads about that issue too. Good advice! Thank you all! If you had come here with an existing mortgage, and the rate was pretty low, we'd be pretty torn. I know! :happy. But thank you! I considered all viewpoint...
by GoldenFinch
Fri Jul 12, 2019 10:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

Thought this thread would be more active today. Everyone must be busy rebalancing. I did not rebalance, but I am spending the money. I figured if I have spent the money, there will be no way that the stock market can take it back. 16 day Europe vacation starts on August 3. I am in the process of bu...
by GoldenFinch
Thu Jul 11, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 3063

Re: 2016 Car with only 11,000 miles?

When I was in grad school I put about 3000 miles a year on my new car. I hardly needed to drive because I lived steps from the University. When I went to sell the car it had low mileage and was in great shape. The first guy who was interested became suspicious of the low mileage and accused me of fr...
by GoldenFinch
Sat Jul 06, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

I am surprised at the market timers, who can't seem to help themselves: (1) in trying to beat the market by catching intra-day lows, a/k/a day trading; or (2) by holding cash, waiting forced good time to buy, which is nearly certain to give a negative real return net of inflation and taxes. Why are...
by GoldenFinch
Thu Jul 04, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 8373

Re: Would we regret buying a 2nd home?

I had a 2nd home about two hours away from my 1st home. Eventually sold the pricier 1st home and downsized to the 2nd home. While I had both houses, the 2nd home was almost a burden because I felt I had to visit each weekend to perform maintenance/upkeep. Come on, every weekend? Did every one on th...
by GoldenFinch
Thu Jul 04, 2019 5:57 am
Forum: Personal Investments
Topic: Got more than enough for retirement. What to do now?
Replies: 42
Views: 4091

Re: Got more than enough for retirement. What to do now?

I would have a 50/50 stock/bond allocation and set it and forget it.
by GoldenFinch
Wed Jul 03, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 6402

Re: Adult son has not controlled credit card overuse!

Another vote for Dave Ramsey. He needs to use cash. Unfortunately there’s that whole, “you can lead a horse to water, but you cannot make him drink” issue. Good luck!
by GoldenFinch
Fri Jun 21, 2019 9:38 pm
Forum: Personal Investments
Topic: Advice on awful 401k
Replies: 11
Views: 1335

Re: Advice on awful 401k

In a plan that bad, I would just do the match and then invest in taxable (assuming Roth IRA is maxed).
by GoldenFinch
Fri Jun 21, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16584

Re: what was your worst major purchase mine is a 2019 mazda3

New Saab and new Audi. Both were lemons. Lost a ton of money on both.
by GoldenFinch
Thu Jun 20, 2019 4:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

If stock rallies are this dependent on the Fed, doesn't this imply that the underlying economy is actually kind of fragile, and that maybe the outlook is in fact not so good? Or is this just my instinctive pessimism trying to rain upon the parade? Sometimes stocks rally because one company merges w...
by GoldenFinch
Wed Jun 19, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 15139

Re: Good times: 2008 vs Now

I’m 52 and have seen good and bad over the decades. Right now, where I live in the mostly forgotten rust belt, things are very good. So yes it is good times for now. However, I know things can change dramatically on short order. I just make sure that we don’t do anything stupid with our money, save ...
by GoldenFinch
Wed Jun 19, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11852
Views: 2026681

Re: U.S. stocks in free fall

Independent George wrote:
Wed Jun 19, 2019 9:04 am
So... I've been on vacation the last couple weeks. What did I miss?
We’ve moved to the “soar” thread. :moneybag
by GoldenFinch
Tue Jun 18, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6185

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I used it for a little while when it was new. What made me quit was a few people constantly reporting “suspicious” people and describing them in great detail, and then the war between the people who wanted to feed the deer and the people who wanted to shoot them. I live in the suburbs of a major cit...
by GoldenFinch
Mon Jun 17, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast hits milestone
Replies: 17
Views: 2073

Re: "Bogleheads on Investing" podcast hits milestone

Congrats on the 100,000 downloads and thank you for doing what you’re doing! Looking forward to more.
by GoldenFinch
Fri Jun 14, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: What would your housing preference be with 4 kids?
Replies: 41
Views: 3076

Re: What would your housing preference be with 4 kids?

We have four kids and an old three-story house with a lot of bedrooms. We bought the house when we only had one baby and actually it was too big. Over the years we grew into the house. One kid has the whole third floor to himself. We love the house. HOWEVER, it was totally unnecessary. We could have...
by GoldenFinch
Thu Jun 13, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Why is this cabin so inexpensive?
Replies: 15
Views: 1634

Re: Why is this cabin so inexpensive?

I don’t think the price is low.
by GoldenFinch
Sat Jun 08, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: How did you adjust to your kids moving out?
Replies: 11
Views: 1080

Re: How did you adjust to your kids moving out?

We have kids in grad school, college, high school and one in elementary school. We have no problem adjusting to kids moving up and out. :happy
by GoldenFinch
Sat Jun 08, 2019 8:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139984

Re: U.S. stocks continue to soar!

oldzey wrote:
Fri Jun 07, 2019 4:48 pm
Keep on soaring higher, U.S. stocks! :thumbsup

https://www.youtube.com/watch?v=BqWQzOzK3kw
I nominate Oldzey for the audio/video vibe curator for Bogleheads. :beer