Search found 1614 matches

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: 328
Views: 36348

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 freefall
Replies: 7985
Views: 1621374

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: 10580

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: 10580

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: 3980

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: 7973

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: 7973

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: 2578

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: 48
Views: 3111

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: 3223

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: 850

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 freefall
Replies: 7985
Views: 1621374

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: 88
Views: 12359

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 freefall
Replies: 7985
Views: 1621374

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: 1033

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 freefall
Replies: 7985
Views: 1621374

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: 9271

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: 997

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: 7985
Views: 1621374

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: 4977

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: 4977

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: 5065

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: 7985
Views: 1621374

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: 4568

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: 7985
Views: 1621374

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: 1247

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: 4975

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: 4639

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: 4639

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: 5307

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: 18
Views: 2306

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: 7985
Views: 1621374

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: 15001

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: 444
Views: 50784

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: 444
Views: 50784

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: 6444

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: 3428

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: 2050

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: 7742

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: 7029

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: 2048

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: 11802

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: 7985
Views: 1621374

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: 7985
Views: 1621374

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: 7066

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: 4212

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: 5193

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: 4128

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: 2222

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.