Search found 1597 matches

by GoldenFinch
Sun Oct 21, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 25
Views: 4032

Re: Set it and forget it

HEDGEFUNDIE wrote:
Sun Oct 21, 2018 2:37 pm
Unanimous praise for the long term mindset, and yet most folks here eschew long term bonds... :confused
I have some for diversification. Whether it is smart or not, I will find out in 18 years and let you know what I think. :happy
by GoldenFinch
Sun Oct 21, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Recently made a separate account used for spending on fun, entertainment, and things I wouldn’t normally buy
Replies: 12
Views: 862

Re: Recently made a separate account used for spending on fun, entertainment, and things I wouldn’t normally buy

Someday you will want to do/buy something you don’t need and you will happily just do it, without a care, because of your slush fund. But don’t spend just for the sake of spending.
by GoldenFinch
Tue Oct 16, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553405

Re: U.S. stocks in freefall

I'm a relatively young investor here in the beginning years of my retirement portfolio accumulation phase. Been with Vanguard for about 5 years now since I started my career. Currently in 100% equities. And I am EAGERLY awaiting a huge bear market...because it simply means stocks are at a discount....
by GoldenFinch
Tue Oct 16, 2018 6:36 am
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 51
Views: 4154

Re: Huge drops in VTXVX and VTHRX

I hardly ever check my accounts,but I signed in tonight,to transfer some money out of my money marked account.I almost fainted when I saw the 18.47 drop! I live in a one story house,so I couldn't even jump off my roof. :oops: Why can't you jump off the roof of a one story house? :confused It was a ...
by GoldenFinch
Tue Oct 16, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 51
Views: 4154

Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

Once my entire Schwab account went to zero. I checked back later in the day and it was back to normal. It was a little disconcerting.
by GoldenFinch
Mon Oct 15, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 4833

Re: Kids not interested in money / allowance

I would not be concerned at these ages. If they are not into consumption or savings yet, that’s not a bad thing.
by GoldenFinch
Fri Oct 12, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553405

Re: U.S. stocks in freefall

Not one bit of this market fluctuation has affected me. Not at all. I watched it happen, but didn’t care. I didn’t even feel the urge to buy stocks on sale. Is something wrong with me?
by GoldenFinch
Wed Oct 10, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4441

Re: When stock and bod drop at the same time, what do you do?

You need to fix your title before the jokesters start to joke around. (A lot to work with there.) LOL
by GoldenFinch
Wed Oct 10, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553405

Re: U.S. stocks in freefall

CULater wrote:
Wed Oct 10, 2018 2:58 pm
The GOOD thing about this stock market selloff is that my asset allocation just became more conservative. :D :beer
Mine rebalanced itself! How’s that for set it and forget it!
by GoldenFinch
Tue Oct 09, 2018 5:02 am
Forum: Personal Finance (Not Investing)
Topic: How do you calculate/state your income?
Replies: 13
Views: 1204

Re: How do you calculate/state your income?

Several different ways. :happy

AGI
Take home pay
Salary
Salary plus benefits
Salary plus benefits plus S Corp profits
Gross
Net

The most useful for me is “take home pay.”

Oh! And then there is “investment income.” But I don’t think about that too much at this point in my life.
by GoldenFinch
Sun Oct 07, 2018 6:58 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4882

Re: You know your a Boglehead when. . .

I’m glad that this event was something that you could take in stride.

:sharebeer
by GoldenFinch
Sat Oct 06, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4485

Re: Should I, and how, act on changes in managing diet and health?

I would not change my investments based on any small trends in this area given the emphasis in our culture on eating out and junk food. Fwiw, I wouldn’t make this any more than 5% of our equity stake. The reason i think this particular way of life has staying power is how profound the change is. To...
by GoldenFinch
Sat Oct 06, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4485

Re: Should I, and how, act on changes in managing diet and health?

I am not a senior, but I spend a lot of time in the gym with mostly well off seniors who are regulars there. I have seen newly retired folks come and go over the years. What I have noticed is a lot of people try to improve their lives and fail. There are a few dedicated ones who who stick to the pla...
by GoldenFinch
Fri Oct 05, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5207

Re: Mr. Money Mustache is the BOMB!

It made me happy just to read your post which is bursting at the seams with happiness. I too was happy when broke and happy when not. Most everything that makes me happy on a daily basis has zero to do with money.
by GoldenFinch
Fri Oct 05, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Timing the Market
Replies: 16
Views: 1817

Re: Timing the Market

Market timing only works if the market cooperates with your strategy. Unfortunately you have zero control over the market. Staying the course seems to work pretty well and that’s why it’s what people here advise.

Good luck.
by GoldenFinch
Thu Oct 04, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553405

Re: U.S. stocks in freefall

oldzey wrote:
Thu Oct 04, 2018 3:14 pm
walletless wrote:
Thu Oct 04, 2018 12:23 pm
Time for bears to come out of their hiding!
You rang? :P

Image
He is kinda cute, but does he have to stick around?
by GoldenFinch
Mon Oct 01, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14762

Re: Should we stay in Crazytown because there's no where to run?

U.S. stocks are nuts. Shiller CAPE now stands at 33.36 and the only time in history it was higher was Feb, 1998 to Mar 2001 which would have been a wild ride. If you had gotten out of stocks in Feb 1998 you could have stayed out for 12 years and gotten back in at the price you sold, meanwhile makin...
by GoldenFinch
Sun Sep 30, 2018 7:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 440
Views: 49403

Re: Your USER NAME...what does it mean?

Toons wrote:
Sun Sep 30, 2018 7:33 pm
I like Music.
:happy
I thought you like old cartoons!
by GoldenFinch
Sun Sep 30, 2018 7:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 440
Views: 49403

Re: Your USER NAME...what does it mean?

"that Nisi Prius nuisance, who just now is rather rife, That judicial humorist-- I've got him on my list." it just popped into my head at a moment when I was trying to think of a screen name that had no particular connection with my real world identity. It's a line from a song in a Gilbert and Sull...
by GoldenFinch
Tue Sep 25, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6364

Re: Emotional Investor - I'm a mess and need help!

Stated goal: Find a way to be more involved in investing. Problem: You are a horrible investor. Sorry. Solution: Change the goal so that you are involved as little as possible with your investing. ^^Good advice here. You really can do better for yourself. It took discipline to become a physician. A...
by GoldenFinch
Tue Sep 25, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3382

Re: $450 for 1.5 hour plumbing job normal?

We just paid a plumber 355$ for a 40$ part and 4.5 hours of work.
by GoldenFinch
Mon Sep 24, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Don't try this at home?
Replies: 8
Views: 2025

Re: Don't try this at home?

I manage a portfolio of dough :moneybag all by myself. :happy
by GoldenFinch
Mon Sep 24, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7639

Re: Best way to get $100k cash

But psychologically, I want to be done with my mortgage Serious question: Why? These emotional things will mess you up. Did anybody mention getting a HELOC and using it to pay off your mortgage? I did exactly that in 2010-11-12 and it actually worked out pretty well. But that was when interest rate...
by GoldenFinch
Thu Sep 20, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6973

Re: Don't trust Tripadvisor reviews

White Coat Investor wrote:
Thu Sep 20, 2018 4:41 pm
I wrote a fake review for Tripadvisor.

https://www.tripadvisor.com/ShowUserRev ... oming.html
Clearly creative writing is one of your other hobbies! :beer
by GoldenFinch
Thu Sep 20, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Kid's school brought in Wells Fargo to teach them financial literacy today.
Replies: 26
Views: 2034

Re: Kid's school brought in Wells Fargo to teach them financial literacy today.

That is pretty shocking. But considering the state of financial literacy among adults in general I guess we shouldn’t be surprised.
by GoldenFinch
Wed Sep 19, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11655

Re: Did you really have something to retire to?

Reading this thread shows me that Bogleheads know how to retire well, beyond just the financial aspect. I’m not really surprised considering all of the other threads discussing everything interesting one could possibly do with their time.
by GoldenFinch
Tue Sep 18, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553405

Re: U.S. stocks in freefall

I last rebalanced back in December 2017. Continuing on my program of mild rebalancing that has continued since July 2013. So I am five years into this program. My rebalancing is mild as each time I have sold 1% or less each time. That should put me at about 65% stocks and 35% bonds and cash. Market...
by GoldenFinch
Mon Sep 17, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553405

Re: U.S. stocks in freefall

Dow is down 92 points, S&P down 16, and the Nazz down 114. Could this be the start of a correction? Pretty much, I want the market at all time highs and to rebalance my portfolio again. So if this thread gets going again, maybe it will rally. Pretty much, since that darned "Soar" thread started, th...
by GoldenFinch
Mon Sep 17, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6933

Re: Is there such thing as saving TOO much?

In my opinion (since you asked :happy) there is no such thing as saving too much, but there is such a thing as spending too much.

Don’t over spend and you’ll be alright.
by GoldenFinch
Sat Sep 15, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 65
Views: 4155

Re: Humidity in basement

We live in the Midwest and running a dehumidifier year round solved ALL of our basement problems. It’s probably worth trying it out for a while to see what you think.
by GoldenFinch
Sat Sep 15, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5168

Re: The twenty dollar rule revisited

We just haven’t increased our spending over the years as income has risen, so it’s not an issue. We also don’t accumulate or want “stuff” anymore, so no “control” is necessary.
by GoldenFinch
Sat Sep 15, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 4075

Re: The Boglehead is anti-entrepreneur?

I see two different strategies here so that you can do both (be a risk taker and a Boglehead): - You start your own business and continually reinvest/plow the profits into it seeking to grow the business and reap the rewards - You collect a salary while running your business and save a portion of yo...
by GoldenFinch
Fri Sep 14, 2018 3:23 am
Forum: Investing - Theory, News & General
Topic: Slight fear of investing in general now
Replies: 20
Views: 2202

Re: Slight fear of investing in general now

I have been feeling the exact same way and thinking the exact same thing. I’m just going to stay the course. But lately my nerves of steel aren’t feeling so steel like.
by GoldenFinch
Thu Sep 13, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3489

Re: Buying a house 1 mile away from a municipal landfill

I was in a similar situation years ago and did not buy. There are too many unknowns (health risks) and knowns (odor issues, resale value) to make this a good idea. I would back out.
by GoldenFinch
Fri Sep 07, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Just invested 10k into Space X (Well sorta..)
Replies: 22
Views: 2790

Re: Just invested 10k into Space X (Well sorta..)

So if if we all own Total Stock Market, we all own Space X? :happy
by GoldenFinch
Thu Sep 06, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8286

Re: Scaring the Old Folks

mouses wrote:
Thu Sep 06, 2018 6:31 pm
dogagility wrote:
Thu Sep 06, 2018 6:18 pm
livesoft wrote:
Thu Sep 06, 2018 2:39 pm
I've had 6 restaurant-prepared meals just this week for $22.
You must eat like a mouse, livesoft! :P
I would like to know what those meals were :-)
Yes. Details, please. :D
by GoldenFinch
Thu Sep 06, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5929

Re: Elderly (innocent) relative received this horrible email

My husband works in IT. He gets calls from clients about getting these emails regularly. This is a common email sent out to MANY people! Delete it. Change passwords. Forget about it. Never respond.
by GoldenFinch
Tue Sep 04, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10165

Re: Max you should invest in a 529?

I determine a set goal: 200k after 18 years. So I just put in $400 a month. My state does not have income tax so I'll just take tax-free growth benefit. We also have a similar goal of $10K per year for 18 years. We have been wondering lately if that is too much though. If you find the account is gr...
by GoldenFinch
Mon Sep 03, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3658

Re: If the market is so hard to beat, why did a rapper beat it by 40%?

If you invest in individual stocks, you can get lucky. Simple as that.

Kinda like gambling.
by GoldenFinch
Thu Aug 30, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553405

Re: U.S. stocks in freefall

Even non-working clock will show correct time, twice in a day. Now, this thread is waiting for its turn, for the past how many years !? We had a technical "correction" (loss of >10%) just earlier this year , 27-Jan to 08-Feb , how big of a drop do you want for this thread to be right? Would it be f...
by GoldenFinch
Wed Aug 29, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553405

Re: U.S. stocks in freefall

GoldStar wrote:
Wed Aug 29, 2018 11:49 am
corn18 wrote:
Wed Aug 29, 2018 11:48 am
WHeeeeeee!!!!!!!!

Image
What kind of "U.S. stock" is this?
Maybe corn18 is saying that treasuries have been like a roller coaster ride?
by GoldenFinch
Wed Aug 29, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33749

Re: U.S. stocks continue to soar!

What?!?! No interminable "trading range" thread??? j/k I don't know about you, but the thought of a "US stocks performing moderately" thread gets me all kinds of amped up. Judging from the threads on the forum, we should only invest in those asset classes that have recently done well. I guess that ...
by GoldenFinch
Tue Aug 28, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33749

Re: U.S. stocks continue to soar!

the recovery since 2009 has been referred to as the 'most unloved bull market ever'. Why? Don't ask me. But it has been referred to that way. Perhaps because, as Nedsaid recently pointed out, bull markets thrive off pessimists being slowly converted into optimists. It was because everyone was still...
by GoldenFinch
Tue Aug 28, 2018 5:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33749

Re: U.S. stocks continue to soar!

Nicolas wrote:
Mon Aug 27, 2018 8:18 pm
GoldenFinch wrote:
Mon Aug 27, 2018 6:43 pm
I really like the free fall thread. I did notice a while back that frequent free fall poster Uncle Pennybags mysteriously disappeared.
I bet he's on a desert island somewhere with The Munchkin Man!
If that’s the case, I hope it’s a dessert island.



(Sorry. I couldn’t not write it.)
by GoldenFinch
Mon Aug 27, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33749

Re: U.S. stocks continue to soar!

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 happy and thank your younger self for staying the course! I really like the free fall thread. I did notice a while back ...
by GoldenFinch
Sun Aug 26, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1069035

Re: What Movie Have You Recently Watched?

New Spike Lee movie was very good. Made me really sad at the end though.
by GoldenFinch
Fri Aug 24, 2018 11:39 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 82
Views: 9393

Re: Call the Top!

The bulls and bears are too full of cares And I don't want to break a sweat; Instead of making an Alpha-bet, I'll settle yet, for what I get, My predilection for stock prediction Has frequently done me wrong, I won't make forecasts That turn out poorcasts, So I'll just sing you a little song: You'r...
by GoldenFinch
Sun Aug 19, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6311

Re: Sellers beware on eBay.

My solution has been to have a garage sale or just donate items. Ebay worked well when it was new, but I wouldn’t use it now.
by GoldenFinch
Sat Aug 18, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5122

Re: Your major and investing/finance?

I have a Ph.D.

I like research, stats, and trying to understand why people do what they do. :happy