Search found 1408 matches

by GoldenFinch
Tue Jan 16, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 87
Views: 8760

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: 180
Views: 17103

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: 10188

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
by GoldenFinch
Sat Jan 13, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 27
Views: 5334

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

livesoft wrote:
Sat Jan 13, 2018 10:16 am
Hey, I'm working on Thaler-esque nudges here.
Thank you. :|
by GoldenFinch
Fri Jan 12, 2018 7:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8080

Re: Post your Financial Milestone Announcements Here

Tycoon wrote:
Thu Jan 11, 2018 9:44 pm
First child finished college. Total cost = 0.00
:sharebeer
by GoldenFinch
Fri Jan 12, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4430

Re: Help me stop my addiction to stock market peeping!

Thanks to all. What I have learned - 1. Make sure my AA is absolutely correct and just chill. 2. Make sure my ISP is comprehensive. 3. Read. Read. Read and learn more about investing, financial planning, and the market. 4. Stock up on a lot of rubber bands. 5. Peep only once a week. 6. Make zero ch...
by GoldenFinch
Tue Jan 09, 2018 3:19 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8479

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

^^The squirrels and bats in the attic threads are forever etched in my mind. :happy

After reading all of the responses here it’s clear that people feel very strongly one way or the other about this topic and there is probably no way to make everyone happy. :(
by GoldenFinch
Mon Jan 08, 2018 9:17 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8479

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

IMHO, those threads are confirmations that the BH methods work, regardless of income levels. Encouragements to stay the course when markets tank. They are examples of people who make it via BH method despite 1987, 2000, 2008 so I will stick to my AA when the next one hit. The actionable benefits of...
by GoldenFinch
Sun Jan 07, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 32
Views: 3911

Re: Disappointed in Missing a Long Term Financial Goal

Just keep doing what you’re doing. At least you have a plan, which is half the work.
by GoldenFinch
Sat Jan 06, 2018 6:25 am
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5741

Re: Misuse of adverse when averse was meant

Advice and advise and loose and lose are often misused here. But there are a lot of Bogleheads and I’m sure we all make mistakes. I think we can all figure out what a person meant to say. Of course we can always correct them too. :twisted: I have been corrected in a couple of private messages for po...
by GoldenFinch
Fri Jan 05, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Ready for shellacking
Replies: 8
Views: 1644

Re: Ready for shellacking

Read the “Why bonds?” threads on this forum to get an understanding of why even just having 10% in bonds might be a good idea. If you are worried about future income issues, bonds will help you mitigate investment risk. Reduced income and a market crash at the same time can be pretty miserable if yo...
by GoldenFinch
Fri Jan 05, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 290
Views: 25877

Re: Anyone tired of the stock market going up?

I’m getting used to the stock market going up. That’s probably a bad thing. Yup, going up since 1802. Not sure that is a bad thing... https://farm5.staticflickr.com/4462/37815865451_892808fdd4_o.png However, the shorter term - as in our investing lives - does and will include corrections, bear, and...
by GoldenFinch
Fri Jan 05, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24559

Re: Hitting The Sell Button

I’m 61 and have been retired for about 3 years. I did my annual rebalancing earlier this week and based on the kind of year it’s been that required selling a fairly large chunk of TSM and TISM to IT bond fund. Given the size, my initial reaction was to potentially moderate the amount. However, afte...
by GoldenFinch
Fri Jan 05, 2018 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 290
Views: 25877

Re: Anyone tired of the stock market going up?

I’m getting used to the stock market going up. That’s probably a bad thing.
by GoldenFinch
Thu Jan 04, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24559

Re: Hitting The Sell Button

What a relief that no 100%Stockers have chipped in. :o But hang on a minute :!: If the 100%Stockers are unusually absent, and posters mostly seem to be tending defensive; what might that portend :?: But at least most here seem to have the grounding of an Investment Plan. :) They’re not chipping in ...
by GoldenFinch
Thu Jan 04, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: DOW breaks 25,000 for first time ever
Replies: 55
Views: 5479

Re: DOW breaks 25,000 for first time ever

nisiprius wrote:
Thu Jan 04, 2018 11:30 am
I only break out champagne for powers of ten. Powers of ten in dollars. Powers of ten in quarters, no. After 10,000, next champagne stop is 100,000.
Waiting for that would be absolutely no fun!
by GoldenFinch
Thu Jan 04, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 144
Views: 49550

Re: Net Worth Survey, 2015 Edition

^^Thank you snackdog. That’s a pretty neat analysis.
by GoldenFinch
Wed Jan 03, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Do you eventually get accustomed to your higher balances?
Replies: 47
Views: 6749

Re: Do you eventually get accustomed to your higher balances?

. . . Gaining or losing a billion dollars is a bit above my expectations! . . . . . . Is this like the poster somewhere on this board who insists he has used 8,000 different retirement calculators? . . . Ha! You guys are really smart, but totally missed my message. Thanks for reading ~cfs~ Apologie...
by GoldenFinch
Tue Jan 02, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 117
Views: 6748

Re: 2018 Hedge Fund contest

Commonwealth of Buckaroo Dough Holdings

Long: ESPR - Esperion
by GoldenFinch
Tue Jan 02, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305082

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

F = Your portfolio value on 12/31/2017 P = Your portfolio value on 1/1/2017 That's only 364 days. Your P should be 12/31/2016. is there a difference? TravelforFun Yes. The closing price on the last day of year 12/31/2016 will be different than the closing price on the first of the year 1/1/2017.
by GoldenFinch
Tue Jan 02, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 128
Views: 11365

Re: Embarrassment Preventing Retirement Work: A factor for you?

BTW, at the corporate and regional level McDonalds has lots of mechanical and industrial engineers and professional people to run a multi billion dollars business so I would not be quick to assume that you it would be so easy to improve on the restraunts operation. I don’t know. I recently bought a...
by GoldenFinch
Tue Jan 02, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 128
Views: 11365

Re: Embarrassment Preventing Retirement Work: A factor for you?

I have always found people who retire to these kinds of jobs to be happy, friendly and emotionally secure. They are doing what they want to do and are often the highlight of the place they work. What makes you hesitate is that there are not many of them, so it feels more like the road not taken. I s...
by GoldenFinch
Mon Jan 01, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5758

Re: What is your threshold for paying down debt?

I understand why some people like debt and leverage, but it just isn’t for me. I just don’t like spending other people’s money. I like owning things I own. For me, owing money takes up mental energy that I don’t want to spend. I remember when we had 200k in the bank and owed 200k on our mortgage. I ...
by GoldenFinch
Mon Jan 01, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: How long will this bull market last?
Replies: 5
Views: 1624

Re: How long will this bull market last?

I realize the article is from last spring so the graph would be a bit different now, but it does make our current bull market look kind of dinky.

Happy New Year!
by GoldenFinch
Mon Jan 01, 2018 4:16 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305082

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

TravelforFun wrote:
Mon Jan 01, 2018 1:27 am
monsterid wrote:
Sun Dec 31, 2017 9:04 pm
79.4% (although this includes savings in, haven't stripped out net-adds yet on my calcs).
That's breathtaking! How did you get this kind of gain?

TravelforFun
Monsterid said that percentage includes savings, so it’s more of a net worth progression.
by GoldenFinch
Sat Dec 30, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305082

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

Definitely a banner year at 19.2%. After all of those lousy years, it does feel quite good to have a five year up market.

Here’s to a continued upward swing and Happy New Year!

:sharebeer
by GoldenFinch
Fri Dec 29, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 36112

Re: 2017 hedge fund contest

HurdyGurdy wrote:
Fri Dec 29, 2017 6:39 pm
What's Tanelorn's secret sauce? why is he always on top? :confused
All that research. He actually knows what he’s doing.
by GoldenFinch
Fri Dec 29, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 36112

Re: 2017 hedge fund contest

whodidntante wrote:
Fri Dec 29, 2017 4:41 pm
Do I get an award for being closest to the benchmark? :D
You get the “on the bench” award. :twisted:
by GoldenFinch
Fri Dec 29, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4630

Re: A Year of Extreme Frugality

In finishing the last 2yrs of my PhD ('11-'12), I lived of <$10k/year, and one of those years was renting my own apartment (the other, I had 2 roommates). FWIW, I was at the time still making ~$55k, so I was saving a ton of money in the process. To say some of my lifestyle decisions were extreme is...
by GoldenFinch
Fri Dec 29, 2017 6:11 am
Forum: Investing - Help with Personal Investments
Topic: Selling taxable to build up 529? Or other moves?
Replies: 7
Views: 409

Re: Selling taxable to build up 529? Or other moves?

livesoft wrote:
Fri Dec 29, 2017 5:57 am
There was a benefit for us due to account aggregation rules when it came to tax-loss harvesting 529 plans.
Thank you
by GoldenFinch
Fri Dec 29, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Selling taxable to build up 529? Or other moves?
Replies: 7
Views: 409

Re: Selling taxable to build up 529? Or other moves?

It seems that your income is high enough that you can just put money from cash flow into 529 plans without needing to sell taxable. Can't you contribute something like $28K a year to each child's 529 plan? Make mom owner of one and dad owner of the other. Why mom owner of one, dad owner of the othe...
by GoldenFinch
Thu Dec 28, 2017 3:55 am
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 7775

Re: What the experts say about Bitcoins?

A store owner yesterday near my house with a “We Accept Bitcoin” sticker on the window answered my question:

Me: “Do you get many people using bitcoin here?”

Store owner: “Oh, (ha, ha) I still need to take that sign down.”
by GoldenFinch
Tue Dec 26, 2017 11:00 pm
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 5785

Re: The right way to speculate in crypto-currency (Bitcoin, etc.)

1. “The right way to speculate in crypto-currency (bitcoin, etc.)” is buy it in 2011 and hold it for six years. Sell in 12/17 when it hits ~19k per bitcoin.

2. You said, “...let’s say I have some play money I can lose.” Why do you want to lose money?
by GoldenFinch
Mon Dec 25, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: Bankers selling high end collectibles
Replies: 20
Views: 2172

Re: Bankers selling high end collectibles

Several High powered, big bank, masters of the universe type bankers are selling their personal collection of HIGH end personal property assets & asking the high end dealers to sell them by a date in the near future. This started in the fall, and should be completed by March of 2018. What are they ...
by GoldenFinch
Mon Dec 25, 2017 10:31 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8168

Re: My Christmas Present to You

Thank you and Merry Christmas to All!
by GoldenFinch
Sun Dec 24, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Worked to death [A preview of the US without pensions]
Replies: 15
Views: 2482

Re: Worked to death

Keepcalm wrote:
Sun Dec 24, 2017 8:42 am
Very ironic with what I just posted this morning. Clearly shows I need to sustain my contributions.
Glad to read you saying this after reading your other thread! :beer
by GoldenFinch
Sun Dec 24, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5649

Re: Not investing through your 30's

You’re not “stashing it away until you’re 65.” You are saving a bit now so you don’t have to save EVERYTHING when you’re 48 or 54 and realize you haven’t saved anything. Scale back your savings a bit to 15% or even 10% if you feel overburdened, but stopping saving altogether just pushes off the pres...
by GoldenFinch
Sat Dec 23, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 5689

Re: Who missed out on maximizing 401k?

I messed up a couple years ago. It was not the end. Life went on.
by GoldenFinch
Sat Dec 23, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: [Can you retire on] $5mm
Replies: 25
Views: 2741

Re: $5mm

I could retire on social security alone because I grew up almost like Mister Money Mustache lives (depression era parents). 3m vs. 5M would make little difference because we don’t spend much.

Happy Holidays! :sharebeer
by GoldenFinch
Fri Dec 22, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 19972

Re: Do you see a meaningful change in your income with new Tax Bill?

I think we benefit because we have an S Corp. We will still itemize. I’m still trying to figure it out.
by GoldenFinch
Wed Dec 20, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11738

Re: A meal with friends yields a financial revelation

Looks like the TimeLord has stepped into his well planned and carefully orchestrated future.

:beer
by GoldenFinch
Tue Dec 19, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Motive for 401(k) advisor to change funds? Something fishy?
Replies: 44
Views: 2571

Re: Motive for 401(k) advisor to change funds? Something fishy?

It's called money. Or idiocy. Likely both. Could you elaborate? Are you implying that the advisor will make more money from us by offering these particular funds? How would he benefit by offering a Nuveen fund over a Vanguard fund? Most likely they will profit more from these new funds. We had an a...
by GoldenFinch
Mon Dec 18, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: The Dog Years Of Investing
Replies: 6
Views: 1998

Re: The Dog Years Of Investing

Yes, patience often pays off. That’s one significant factor in wealth building that evades many. Tom Petty had a song about that, “...the waiting is the hardest part...”. Although he probably wasn’t singing about money.
by GoldenFinch
Sat Dec 16, 2017 6:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 3958

Re: Holiday thanks to Bogleheads. How have they helped you?

Our friend across the pond, a tip of the hat to Valuethinker for his global, economic and historical perspectives. I also enjoy reading Valuethinker’s perspectives. I always learn something new. I’ve learned a lot here and am glad I no longer pay high fees to mutual funds and I’m glad I tax loss ha...
by GoldenFinch
Fri Dec 15, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 180
Views: 17103

Re: Call the top! - Bitcoin

^^^A brave new economic world.
by GoldenFinch
Fri Dec 15, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 2166

Re: Lexus RX 350 - new vs. preowned

We bought an off-lease 2010 RX 350 in 2012 for 34k (17,000 miles). It still looks brand new and drives great even though it’s about eight years old. It’s the best car I’ve ever owned.
by GoldenFinch
Thu Dec 14, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: We had a pretty successful 2017
Replies: 15
Views: 2060

Re: We had a pretty successful 2017

You are on roll! :sharebeer
by GoldenFinch
Tue Dec 12, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8702

Re: Want to sell my Bitcoin, but when?

queso wrote:
Tue Dec 12, 2017 11:04 am
Update. Since the sale to reclaim my initial outlay on 12/8 my remaining BTC, ETC and LTC have now gained so much that my balance is back where it was on 12/8. :shock:
Kinda like winning the lottery! :moneybag
by GoldenFinch
Sun Dec 10, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 12822

Re: "Desidoreta"

Taylor Larimore wrote:
Sun Dec 10, 2017 3:58 pm
lostinjersey:

This is my favorite poem. It has helped me through life. It can do the same for you and your family.

Desidoreta

Best wishes.
Taylor
What a beautiful poem.