Search found 1641 matches

by GoldenFinch
Fri Dec 14, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 69
Views: 2320

Re: Is it difficult to change a baby's legal name?

We are an Asian family and tend to give a lot of weight to the meaning of a name in our culture, but I hear that is not really the case in America, so perhaps that should not be the deciding factor.. If we pick James, we'd like him to be called James and not Jim or Jimmy. Is it inevitable that some...
by GoldenFinch
Fri Dec 14, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Having the self-discipline to stay the course -- do you take pride in it?
Replies: 16
Views: 1001

Re: Having the self-discipline to stay the course -- do you take pride in it?

I’m just happy I ended up discovering Bogleheads because it has saved me a small fortune in mutual fund fees. Staying the course is easy for me because all it requires me to do is a whole lot of nothing. So I guess I don’t feel proud.
by GoldenFinch
Thu Dec 13, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21627

Re: What percentage of your net worth is your home equity?

Okay, I’ve read all six pages. :shock:

Someone please tell me: what is the main take-away from this thread?
by GoldenFinch
Wed Dec 12, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21627

Re: What percentage of your net worth is your home equity?

Mine is 10%. Not sure why that is important except that I know I did not buy too much house. I'm more concerned about increasing property tax rates. Maybe start a thread about worrying about your increasing property taxes! I will read it. I know where I live it’s an issue. Houses worth 300k pay aro...
by GoldenFinch
Wed Dec 12, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 3926

Re: Donate to homeless?

Woman fatally stabbed after giving money to apparent young mother in need https://www.wlox.com/2018/12/03/woman-fatally-stabbed-after-giving-money-apparent-young-mother-need/ https://www.baltimoresun.com/news/maryland/crime/bs-md-jacquelyn-smith-folo-20181203-story.html I saw this tragic story on t...
by GoldenFinch
Tue Dec 11, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

On the other hand: get used to it. The problem with the market is that just as you get used to it, it comes up with a new trick. Victoria There are only 3 things that market can do: - go up, - go down, - stay flat. I think getting used to all 3 does not take that much :) It does not simply go up or...
by GoldenFinch
Mon Dec 10, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

I remember when we were all excited about Dow 20,000. Some thought we wouldn’t reach it for many years and it came around sooner than we thought. Maybe we will visit it again.
by GoldenFinch
Mon Dec 10, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7697

Re: To each his own ( I guess )

Some hate rap and rock and roll, but others, instead, love classical music, opera and dance. The latter is me. Some want one domestic partner for life, while others want forever a variety. The former is me. Some love to do gardening and landscaping themselves and never hire anyone, while others hat...
by GoldenFinch
Sat Dec 08, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7141

Re: "The 10 Worst Places To Get Investing Advice"

The problem is that when you know nothing about finances and someone you otherwise respect tells you “what to do” you are likely to consider their advice as good when maybe it is terrible. I am convinced that a person has to educate themselves by doing extensive reading and hopefully they will stumb...
by GoldenFinch
Fri Dec 07, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: What's Your Personal Inflation Rate?
Replies: 38
Views: 2504

Re: What's Your Personal Inflation Rate?

Our mortgage is paid off, but our property taxes are going up 5.7% in January. We are in a very high property tax city and I wonder if it will be worth staying here long term if the taxes for our house get up to the 20K a year range, which is a possibility. Anyway, that’s part of my “personal inflat...
by GoldenFinch
Thu Dec 06, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

Just hope this s not the beginning of a really bad 20 years. Everything is fine. I remember the olden days in my own life when I didn’t pay attention to the stock market and didn’t care. It was there and I was invested, but I didn’t pay attention. I think we, Bogleheads, like to pay attention, but ...
by GoldenFinch
Thu Dec 06, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell?? 1,118.75% gain!!
Replies: 26
Views: 3818

Re: Should I sell?? 1,118.75% gain!!

Sell and don’t look back (at the stock).
by GoldenFinch
Thu Dec 06, 2018 5:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

It is by far my favorite long-running thread. I am fascinated by people-watching itt. The last site on the internet that one would expect to find tea leaf readers, people who think they can predict or explain market moves, and doom-and-gloomers, yet ... :beer The crazy thing is the irony of people ...
by GoldenFinch
Wed Dec 05, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6942

Re: Anybody Miss the Crypto Rage on BH Forums

People all over the world will start to do anything to get their avocado fix and avacados will start to trade on the black market and in the fruit trade underworld. My cigars contain an addictive drug, nicotine. Investing in addictive products has proven to never fail. Are you saying guacamole is n...
by GoldenFinch
Wed Dec 05, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6942

Re: Anybody Miss the Crypto Rage on BH Forums

I predict that the current love of avocados for toast and guacamole is going to continue. Due to inside information I have about soil and weather conditions where these fruits are grown, I predict their supply will go down while demand continues to rise. People all over the world will start to do an...
by GoldenFinch
Tue Dec 04, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

Aren’t we just back to last Tuesday for the S&P? What’s all the commotion about?
by GoldenFinch
Tue Dec 04, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

Hiwatter wrote:
Tue Dec 04, 2018 6:07 pm
WanderingDoc wrote:
Tue Dec 04, 2018 5:57 pm
Hiwatter wrote:
Tue Dec 04, 2018 5:33 pm
Pushed all my dry powder in today on Fidelity Total Stock Market

Hope it goes up before I retire in 20 years.
Or you can put that money into something that produces income now, tomorrow, and in 20 years.
sorry, I must be missing the joke here.
I think he likes real estate.
by GoldenFinch
Tue Dec 04, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

Sweet! It looks like I can go out and buy a car now according to livesoft's rule on RBD. Today, I'm moving from Teslas to Bentleys. :D It is an ill wind that blows no one any good. So doomy and gloomy! Where is Polly Anna when you need her? I took the plunge and bought more Tax Managed Small Cap to...
by GoldenFinch
Sun Dec 02, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

MotoTrojan wrote:
Sun Dec 02, 2018 8:40 pm
GoldenFinch wrote:
Sun Dec 02, 2018 8:38 pm
Futures are way up high. Time to switch to the “U.S. stocks continue to soar” thread.
Curious how futures correlate to closing price the following day (impact of momentum mainly).
Your guess is as good as mine. I’m guessing they correlate with the open, but then....anything goes....
by GoldenFinch
Sun Dec 02, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

Futures are way up high. Time to switch to the “U.S. stocks continue to soar” thread.
by GoldenFinch
Sun Dec 02, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6047

Re: Advice on Divorce Settlement Options

I’m sorry this happened to you and wish you well in the future.
by GoldenFinch
Sat Dec 01, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6029

Re: I'm up 5% ytd and I will take it

JoMoney wrote:
Sat Dec 01, 2018 12:36 pm
rhornback wrote:
Sat Dec 01, 2018 9:04 am
... At any rate according to my calculations I am up 5%. I checked the S&P 500 and it is 3.24%. ...
The total return (including dividends) of the S&P 500 YTD is just over 5%

... but these things can turn on a dime
Yes, the S&P was down for the year about a week and a half ago.
by GoldenFinch
Sat Dec 01, 2018 5:11 am
Forum: Personal Consumer Issues
Topic: Mattress Reco
Replies: 21
Views: 1701

Re: Mattress Reco

We just bought a king mattress from Original Mattress Factory https://www.originalmattress.com/ We bought the best model without a pillow top. Price was $799 + tax & delivery. We had purchased the previous one there and it lasted 20 years for us. So, we bought another one. We also bought the top of...
by GoldenFinch
Fri Nov 30, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Mattress Reco
Replies: 21
Views: 1701

Re: Mattress Reco

We just bought a king mattress from Original Mattress Factory https://www.originalmattress.com/ We bought the best model without a pillow top. Price was $799 + tax & delivery. We had purchased the previous one there and it lasted 20 years for us. So, we bought another one. We also bought the top of...
by GoldenFinch
Wed Nov 28, 2018 5:16 am
Forum: Investing - Theory, News & General
Topic: calling peak Vanguard, peak value, top of market
Replies: 9
Views: 1294

Re: calling peak Vanguard, peak value, top of market

I bought more international and midcaps on Monday. I am also good at buying in right before a downward spiral, BUT I’ve been doing this buying thing long enough to notice that if I’m just very p a t i e n t, it always seems to pay off.

(Also, this time maybe it’s different :wink:.)
by GoldenFinch
Wed Nov 21, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 338
Views: 37992

Re: Anyone tired of the stock market going up?

The Time Lord no longer posts here I noticed (WHERE ARE YOU TIME LORD?), but I remember this thread because I thought it was kind of funny that the stock market going up could be tiresome. TheTimeLord was last seen entering a vortex near FireCalc FireCalc: How big a grain of salt? I believe the The...
by GoldenFinch
Tue Nov 20, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 338
Views: 37992

Re: Anyone tired of the stock market going up?

The Time Lord no longer posts here I noticed (WHERE ARE YOU TIME LORD?), but I remember this thread because I thought it was kind of funny that the stock market going up could be tiresome.
by GoldenFinch
Fri Nov 09, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

Here we go again - SP500 down 1.1%. Where are you people waiting for a discount... Oh no! How will I ever cope with the pain of a 1.1% drop?!! We should have a Boglehead hotline for such things. One purpose of this thread is to help Bogleheads cope. It’s just a regular day... but suddenly, the mark...
by GoldenFinch
Thu Nov 08, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10898

Re: Favorite "free stuff"?

Free water at Starbucks, samples at Costco, Internet at library and where I live free parking/entry at the beaches and free tennis at local parks. Do you at least crack a fresh can of balls, or do you pick up strays to preserve the freeness? If your neighbor has a dog, you might get a yard full of ...
by GoldenFinch
Thu Nov 08, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10898

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by GoldenFinch
Thu Nov 08, 2018 5:58 am
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 4039

Re: 426% return if there is a recession in 2019?

Fun to think about, but it’s pure gambling, which is a slippery slope into the muck.
by GoldenFinch
Sun Nov 04, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 8070

Re: Teaching kids there is an ample amount of money

I would never tell kids that we don't have to worry about money. Not sure what that would accomplish. So you would want your kids to worry about money? I think a lot of people have anxiety over not having enough money. If you can remove the worries behind it, wouldn't that help eliminate the anxiet...
by GoldenFinch
Sun Nov 04, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 8070

Re: Teaching kids there is an ample amount of money

“I’m broke.” That’s my story and I’m sticking to it.
by GoldenFinch
Sat Nov 03, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: What is an "advanced" investor?
Replies: 34
Views: 2599

Re: What is an "advanced" investor?

It’s a seasoned Boglehead.

(Not oregano seasoned. No jokes here.)
by GoldenFinch
Wed Oct 31, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 53
Views: 4020

Re: When do YOU pull the trigger for TLH?

Somewhere around 4,000. At least that is what I have done in the past.
by GoldenFinch
Wed Oct 31, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Who has gotten the most value out of a car?
Replies: 48
Views: 3282

Re: Who has gotten the most value out of a car?

I bought an 89 Volvo 240 for $1700 when our oldest daughter turned 16 in 2001. About 7 years later, it was backed into and insurance totaled it but I bought it back. We got $2300 from insurance and kept the car. I pounded out the dent and replaced a used taillight (total was less than $100) and our...
by GoldenFinch
Wed Oct 31, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Ignore Politics In Investing
Replies: 7
Views: 871

Re: Larry Swedroe: Ignore Politics In Investing

I am ignoring politics in investing because I think it is loud noise. It can affect the markets, but it won’t affect my decision to stick to the plan.

Easy to ignore politics while reading Bogleheads since we are not allowed to discuss it here! :beer
by GoldenFinch
Mon Oct 29, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

Bulls make money...

Bears make money...

Bogleheads stay the course and hang out on the U.S stocks in freefall thread (very comforting).
by GoldenFinch
Thu Oct 25, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1235482

Re: For those waiting for a 'correction' ...

I wasn’t really waiting for a correction. Rebalanced a little bit into bonds in August. Now the rest of the rebalancing happened on its own.
by GoldenFinch
Wed Oct 24, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

https://www.marketwatch.com/story/under-the-surface-this-stock-market-is-slowly-rotting-away-2018-10-24?mod=MW_story_top_stories Title uses hyperbole but it isn't all hyperbole Saw header that AMD down 18%----missed revenue--weak 4th Qtr forecast from the header...so tech likely smarting tomorrow T...
by GoldenFinch
Wed Oct 24, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: What if we sat out the market every October? (only half joking)
Replies: 7
Views: 1045

Re: What if we sat out the market every October? (only half joking)

If I pulled the money out every October, I am certain that all the up days would start to be in October. Don’t pretend the past October months predict the future ones. Don’t kid yourself. There is no magic strategy involving months. (Sorry.)
by GoldenFinch
Tue Oct 23, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8605
Views: 1678305

Re: U.S. stocks in freefall

As someone who has only been following the stock market on a daily basis since August, is the volatility seen this year typical, or are the up & down swings usually more gradual? It’s a good idea to look at long term charts of the S&P (like 90 years, 40 years, 20 years) so you remember that althoug...
by GoldenFinch
Sun Oct 21, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9318

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: 1002

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 free fall
Replies: 8605
Views: 1678305

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: 54
Views: 5011

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: 54
Views: 5011

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: 5082

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.