Search found 1454 matches

by GoldenFinch
Thu Feb 22, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2076

Re: Is a prenup required to establish a list of separate property before marriage?

I still don't know why you'd want to put her on the deed if you're worried about keeping the house. If you put her on the deed, you've effectively given her half the house. Because I'm not worried about keeping the house, only my initial amount of equity. Another possible and hopefully unlikely out...
by GoldenFinch
Thu Feb 22, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why open a taxable account?
Replies: 20
Views: 1280

Re: Why open a taxable account?

An HSA great if you have access to one.

The idea is fill up or max out ALL tax advantaged space if you can. If, as time goes on, you make enough money so that you can max out all tax advantaged space and save even more, then you invest that extra savings in a taxable account and grow that money.
by GoldenFinch
Thu Feb 22, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2076

Re: Is a prenup required to establish a list of separate property before marriage?

If protection of assets was important to me, I would talk to a lawyer with my spouse to be. You also want to make sure you are confidently on the same page about this pre-nup idea before you tie the knot.
by GoldenFinch
Thu Feb 22, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 84
Views: 7027

Re: What's your cash position

Being retired and living off of my savings, I carry quite a lot of cash [ (money market and short term CDs) about 2 years+ worth of normal distributions from savings for spending]. That is for safety reasons to protect me during several years of market downturns. I also have short term bond funds a...
by GoldenFinch
Wed Feb 21, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: Anyone subscribe to Socrates ?
Replies: 15
Views: 1485

Re: Anyone subscribe to Socrates ?

Bogleheads generally keep it simple. Sounds like there needs to be a Socratesheads forum to get the kind of analysis you want.
by GoldenFinch
Mon Feb 19, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Martha’s Vineyard: Is 2 weeks too long of a vacation there?
Replies: 12
Views: 1344

Re: Martha’s Vineyard: Is 2 weeks too long of a vacation there?

Yes, two weeks is too long, at least for us. Much more to do on the Cape. It really depends on what you’re looking for in your travels. Less to do on MV than on the Cape.

(Edited so it makes sense)
by GoldenFinch
Mon Feb 19, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9089

Re: Do you wear a wedding band?

I don't leave the house without it - if I didn't have it on I would have to beat the women off with a stick. Thank goodness for that ring! :happy Back to the original question, when I was very young I used to take off my flashy diamonds for job interviews and wear a simple ring instead thinking I l...
by GoldenFinch
Sun Feb 18, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5226

Re: Chillin' in the BH Lounge

In before the lock! That's a winner. Have you read the current thread about free dinner?? Free Filet Mignon...mmm, so tasty. Shredding that invite? Don't be too hasty! 8-) I hastily shredded my dinner invite In fact, two last week! Did not get one bite! But the reason I did it was not to be bold It...
by GoldenFinch
Sat Feb 17, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10682

Re: What has been your most important skill in achieving financial independence?

Researching money management/investing and then implementing what I learned.
by GoldenFinch
Sat Feb 17, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 34
Views: 2235

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

I would save Martha’s Vinyard for another trip. It’s a lot of travel and not a lot to do that’s different from the Cape, except that it’s an island. Spending a day visiting the Cape Cod National Seashore would be memorable and a nice contrast to the time you spend in Boston. Hope you all have a nice...
by GoldenFinch
Thu Feb 15, 2018 6:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Forum's 11th Birthday - Feb. 19th
Replies: 27
Views: 1902

Re: Forum's 11th Birthday - Feb. 19th

I learn so much here from so many interesting people.

Thank you everyone.
by GoldenFinch
Tue Feb 13, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11137

Re: Did you learn anything from the market correction?

I learned that I could probably be doing something more productive than paying attention to the stock market.
by GoldenFinch
Sun Feb 11, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

Want to see a real free fall? Check this one. LJM Preservation and Growth Fund [LJMAX] did not "preserve" and did not "grow" this past week. As per Barron's this fund lost 80% in 2 days [February 5,6], the managers made the wrong bet and lost bigly. More on this fund, this is from the LJM website: ...
by GoldenFinch
Sat Feb 10, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Know Anything?
Replies: 36
Views: 3403

Re: Does Anyone Knows Anything?

My phrasing must have tickled someone. Let me re-phrase. Aside from potential epistemological criticisms that are outside the scope of how the phrase is used on the forum, and even ignoring the unfortunate grammatical twist, the saying, "Nobody knows nothing," is demonstrably false . It is just a c...
by GoldenFinch
Sat Feb 10, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

Only thing I know is that I'm having an increasingly difficult time keeping up with this thread! Action: Stay the course. :beer Cheers, packet Me too, it's hard to keep up. Still I just can't stop reading, is this an addiction :( . No, it's an entertaining hobby built on the necessity of investing....
by GoldenFinch
Fri Feb 09, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

packet wrote:
Fri Feb 09, 2018 4:09 pm
Only thing I know is that I'm having an increasingly difficult time keeping up with this thread!

Action: Stay the course.

:beer Cheers,
packet
+1 :sharebeer

(And I don’t even do +1s, but this thread is on fire here or something and my email is blowing up!)
by GoldenFinch
Fri Feb 09, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

The loose change in my sweep account was enough to buy a single share of VT today. I bought it. As I read this thread, I imagine myself sitting on my front porch sipping a half tea half lemonade drink rocking back and forth watching the thread. Based off of the tone of the thread, there are people ...
by GoldenFinch
Thu Feb 08, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 30402

Re: Anyone tired of the stock market going up?

I may be the only person in the world that feels this way but I need to express this emotion. I am just tired (maybe even exhausted by) of the stock market going up. The constant flow of gains makes me feel like I need to do something (change my AA, take some off the table, increase my equities, re...
by GoldenFinch
Thu Feb 08, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

This is a tiny bit over dramatic.
by GoldenFinch
Wed Feb 07, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: An Amazing Revelation

I've been seeing these posts complaining how "not Bogleheady" or "how jittery" everyone is. So I did some math. I started counting posts from January 29th (most recent little blip): Posts where someone stated they were buying: 26 Posts where someone stated they were selling: 0 Posts where someone S...
by GoldenFinch
Wed Feb 07, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3512

Re: Jogging in the cold.

It 100% depends on the individual. I know people who do it with no problems, but I never could run in the cold consistently without regretting it for one reason or another. I run on a track at a gym in the winter.
by GoldenFinch
Sun Feb 04, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 4576

Re: Life Balance of spending and saving

I vote for the country club membership.
by GoldenFinch
Sun Feb 04, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15963

Re: Blood in the water- buying?

harvestbook wrote:
Sat Feb 03, 2018 10:02 am
600 dow points ain't what it used to be
It really isn’t!

This dip is nothing percentage wise and nothing after such a long term run up. Just keep doing what your doing.
by GoldenFinch
Sat Feb 03, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

Wow, worst week since ..... 2016 Washington Post Headline Dow drops 666 points and posts its worst week since 2016 Glad to know the market has a sense of humor. ;) 666 as the 2009 low in the S&P. 666-point drop in the Dow. In 2009, I was pretty sure there was human intervention into getting the 666...
by GoldenFinch
Sat Feb 03, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6620

Re: Neighbor recently burgalerized - Suggestions for home security

A good lock or strong door frame doesn't matter if there is glass withing reaching distance of the lock itself. The glass can be broken and the intruder can reach around to unlock it. Cameras won't help catch a thief unless you recognize the person. But a camera in plain view with a sticker on the ...
by GoldenFinch
Fri Feb 02, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

It’s all my fault. I had to sell today for a planned much needed purchase. Cue Nedsaid Effect.
by GoldenFinch
Fri Feb 02, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 7911

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

Haven’t you heard about the fifty ways?

I thought there were fifty ways to leave your advisor?
by GoldenFinch
Thu Feb 01, 2018 9:48 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5485

Re: Fewer acronyms please

jadedfalcons wrote:
Thu Feb 01, 2018 8:54 pm
YOLO!
You Old Literary Orangutan?
by GoldenFinch
Thu Feb 01, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 28
Views: 1519

Re: Pay off future DIL's school loans?

If you pay off the loan before they are married and either one of them has a change of heart there will be a big problem. I would wait until they are married for a while and let them figure out life together independent of parents. There will be many opportunities to help them out in the future. I c...
by GoldenFinch
Thu Feb 01, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8257

Re: Anyone else cashing out on *some* of the crazy earnings?

If I had debt, I would definitely pay it off right away. I’m not doing anything except the usual periodic investing. I’ll dial back our asset allocation in seven years when we turn 58, but otherwise have no plans to do anything.
by GoldenFinch
Wed Jan 31, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 4627

Re: Why do many bogleheads feel they can time the housing market but can't time the stock market?

We bought our house 20 years ago and it’s worth about 7% more than what we paid. I can’t time the housing market.

Location, location, location! (Ugh!)

(We’ve done well with index buy and hold though...)
by GoldenFinch
Wed Jan 31, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: The Vanderbilts
Replies: 26
Views: 3972

Re: The Vanderbilts

2015 wrote:
Wed Jan 31, 2018 2:07 pm
Love the WCI quote at the end of the article. Once is all it takes to make it. Keeping it takes something else entirely.
Me too. One of the best take-a-ways from the article. I’m forwarding this to my kids.

Thanks for the link CABob! :happy
by GoldenFinch
Wed Jan 31, 2018 7:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

oldzey wrote:
Wed Jan 31, 2018 12:34 am
Oh, no - we're doomed!

https://www.youtube.com/watch?v=potlDrRI01A
^^^ Ha, ha! Thank you!
by GoldenFinch
Sun Jan 28, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 126
Views: 8818

Re: 2018 Hedge Fund contest

^^^ Regarding fund names, Commonwealth of Buckaroo Dough Holding represents all individuals who wish to be a Buckaroo, not just people who live in the Commonwealth. All you have to do is say you are a Buckaroo and you can invest in the fund. We welcome everybody and promise stellar overall returns! ...
by GoldenFinch
Sun Jan 28, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8213

Re: How much have kids added to your personal finance/expenses?

You can spend very little or a ridiculous amount on kids. After basic needs are met, it’s ALL under your control. I have four and have spent a fortune (a real lot) on some and next to nothing on others and it has had very little bearing on how they are turning out. It could be different for you of c...
by GoldenFinch
Sun Jan 28, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 107
Views: 6889

Re: Who taught you about financial responsibility?

wabbott wrote:
Sun Jan 28, 2018 9:05 am
I read all the Uncle Scrooge Disney Comics as a kid. It must have made an impression on me. Skinflint that he was, Scrooge McDuck never shirked from hard work and wasn't afraid of risk.
And I thought he was just a cranky old duck! I wish I had paid more attention.
by GoldenFinch
Sat Jan 27, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 107
Views: 6889

Re: Who taught you about financial responsibility?

I learned on my own after listening to other people whom I now know had absolutely no clue what they were doing. I was very lucky to stumble upon this site while googling various finance questions.
by GoldenFinch
Sat Jan 27, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12650

Re: Starting to feel like the late 1990s?

It is very frightening for people who put a very large lump sum in the market at these levels - I would hate to be in those shoes. For the rest of us who rode this up, we can probably ride it back down without too much anxiety unless it really overshoots on the way down, and there's no catalyst on ...
by GoldenFinch
Fri Jan 26, 2018 9:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4115

Re: Happy Birthday, Taylor!

Happy Birthday! :happy
by GoldenFinch
Fri Jan 26, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12650

Re: Starting to feel like the late 1990s?

It feels like January 2018.

We have no clue what’s next, as usual.

Make sure you’re comfortable with your asset allocation.

Happy Friday and stay the course! :beer
by GoldenFinch
Thu Jan 25, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Could meditation help deal with market distress?
Replies: 32
Views: 1779

Re: Could meditation help deal with market distress?

Toons wrote:
Thu Jan 25, 2018 5:30 pm
Once you truly realize that Bear Markets are Pure Opportunity,
You will find yourself smiling when markets decline.

:happy :happy :happy
I’ll just tune in to what Toons has to say during the next Bear Market. :D
by GoldenFinch
Thu Jan 25, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265707

Re: U.S. stocks in freefall

Doom&Gloom wrote:
Thu Jan 25, 2018 12:06 am
Be careful what you wish for ...

Everyone has a plan 'til they get punched in the mouth--Mike Tyson
Yes! Let’s not wish for chaos.
by GoldenFinch
Wed Jan 24, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Could meditation help deal with market distress?
Replies: 32
Views: 1779

Re: Could meditation help deal with market distress?

Trying to meditate makes me anxious so that wouldn’t work for me. I remember reading a long thread here on meditation a few months ago. A lot of Bogleheads were using it and found it helpful in general so it may work for them. I really believe the best way to deal with any market worries is to stop ...
by GoldenFinch
Tue Jan 23, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3654

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

It reminds me of the 2008-2009 crash, just in reverse. I thought that was a little unnerving and I feel the same way now. I like the direction of the stock market better now, but I am doing nothing, just as I did nothing years ago.
by GoldenFinch
Sun Jan 21, 2018 10:15 am
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 39
Views: 3485

Re: My daughter got her dream job

Teen years are so difficult for some kids and it can be really heartbreaking to watch. I am always so happy to hear about a child who struggled through and ended up doing great! I’ve seen your posts about your daughter before so I’m glad to hear the update. I’m happy for your family. :sharebeer :happy
by GoldenFinch
Sat Jan 20, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 3296

Re: What's your annual cost of living (expenses)?

Married
4 kids (one in college on the cheap)
~95k per year in expenses
LCOL area
by GoldenFinch
Tue Jan 16, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10154

Re: Besides Bogleheads, What Are Your Favorite Forums?

Ironically the best forums are ones where eternal September has not occurred, and the members know better than to loudly sing the forum's praises. Therefore, I will not share any of the groups that I frequent, for you should view with suspicion any such suggestion you receive. Very deep! But now I ...
by GoldenFinch
Tue Jan 16, 2018 5:30 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18211

Re: Call the top! - Bitcoin

Maybe the top was 19,343 and Bogleheads are just optimists. :happy
by GoldenFinch
Sun Jan 14, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 10706

Re: Dave Ramsey's Millionaire Study

If it’s not a random sample of millionaires, it will be a survey possibly skewed toward one certain group or another. Maybe everyone who got rich after being on Antiques Roadshow will dominate and it will start a garage sale frenzy! :happy