Search found 458 matches

by 2Birds1Stone
Wed Jul 31, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6035

Re: What's your Uber passenger rating?

I use Uber a LOT for work the past two years. 5.0
by 2Birds1Stone
Mon Jun 10, 2019 9:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139990

Re: U.S. stocks continue to soar!

We live in strange times, indeed......
by 2Birds1Stone
Mon May 06, 2019 3:40 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 6675

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

Hmm, maybe you can retire much sooner than you think?

Time to financial independence is relatively easy to calculate in today's dollars by figuring out your net savings rate.

Also, as someone who is semi-retiring at 32 in a few months.......28 was a great time to lay down the groundwork.
by 2Birds1Stone
Wed Jan 30, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 205
Views: 32601

Re: Millionaire by 40 and How you Did it?

We are more than half way there, and projected to crack that magic 7 figure mark around age 35/31.......this is through frugal living and regular investing. Income is decent, but not super high. Under $100k combined averaged over 10 years.
by 2Birds1Stone
Sat Jan 12, 2019 8:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in free fall

dacalo wrote:
Fri Jan 11, 2019 2:59 pm
Gufomel wrote:
Fri Jan 11, 2019 1:04 pm
Sure is quiet in here.
2000 dow drop incoming next week.
<20,000 Dow next week :sharebeer

All kidding aside, it's good to reevaluate ones appetite for risk now, not after the next leg down (whenever that ends up being).
by 2Birds1Stone
Sat Dec 22, 2018 1:41 am
Forum: Investing - Theory, News & General
Topic: Percentage of Net Worth in Equities
Replies: 23
Views: 1993

Re: Percentage of Net Worth in Equities

50% Stocks, rest is in bonds, CD's, and PM.
by 2Birds1Stone
Fri Dec 21, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in free fall

At this rate y'all will have to suck it up and jump on the MMM bandwagon ;)
by 2Birds1Stone
Mon Dec 17, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in free fall

J G Bankerton wrote:
Mon Dec 17, 2018 1:20 am
Free_fall over for now.
U.S. Stock Futures
S&P +9.50 / +0.37%
:beer
Ehhh...not quite
by 2Birds1Stone
Sat Dec 15, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1052
Views: 96741

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Just submitted my TOA and Statements via secure message this morning.

Transferring from UMB Bank, will let you folks know how long it takes. The market has been on sale since I liquidated my stock/bond positions within the account.
by 2Birds1Stone
Wed Nov 28, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 83
Views: 7950

Re: Financial goals for 2019 (specific)

To beat the market returns by at least 2X
by 2Birds1Stone
Wed Nov 28, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139990

Re: U.S. stocks continue to soar!

The top is in!
by 2Birds1Stone
Sat Nov 24, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

There is going to be a cyber-Monday sale on stocks.
by 2Birds1Stone
Sat Nov 10, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 47655

Re: Whats your number to walk away?

$525k for myself, $1M as a couple.

80%+ to the first goal, 50% to the second =)

Age - 31, HCOL area now, but relocating to LCOL area upon early retirement.
by 2Birds1Stone
Fri Oct 26, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Teach children to save 10% from day one...?
Replies: 31
Views: 2328

Re: Teach children to save 10% from day one...?

Maybe you could teach them to tithe instead? Or just burn 10% of their cash on h&b?
by 2Birds1Stone
Fri Sep 28, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4630

Re: Anyone ever tired of managing hair and consider shaving to go bald

I have been considering it now and then, but the fear or social stigma especially in the work place is keeping me away from doing it. Not to speak of unspeakable horrors at home from my spouse and kids. But, I want to feel free sometimes of the hair, and at least for once try it. Has anyone else tr...
by 2Birds1Stone
Fri Sep 07, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 42419

Re: Low-earners- What is your profession?

This thread is hilarious. Couples earning $150-200k are "low earners" now?

I guess we qualify too ;)

Her - $30k/yr - Grocery Store Employee
Him - $130k/yr - Software Sales
by 2Birds1Stone
Sat Jul 14, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 41
Views: 8865

Re: Capital One 360 no beneficiary option

I called them today and you can now submit a form via fax/mail to add beneficiaries to all savings/checking/CD accounts. You can add 4 accounts per form, and have it notarized before submitting to them. Takes 3 business days to turn around once they receive it. Guess they have been listening to thei...
by 2Birds1Stone
Tue Jun 05, 2018 1:41 pm
Forum: Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 12809

Re: What are you doing with cash?

As of late 2016 you can only use the default settlement account. New SEC rules I believe.
by 2Birds1Stone
Tue Jun 05, 2018 10:21 am
Forum: Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1431

Re: Help Deploying Extra Cash To Bonds....

lack_ey, thank you for your thought out responses. It has been a very helpful mental exercise. What I'm realizing is, it comes down to a lot of what if's in the future for most investment vehicles and it may be prudent to spread risk (be that tax, interest rate, equity, geopolitical, inflation, etc)...
by 2Birds1Stone
Tue Jun 05, 2018 7:54 am
Forum: Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1431

Re: Help Deploying Extra Cash To Bonds....

A friend also suggested looking at I Bonds, current yield 2.52% with fed tax deferred interest, and no risk to principal, easy liquidity after 1 year.
by 2Birds1Stone
Tue Jun 05, 2018 6:34 am
Forum: Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1431

Re: Help Deploying Extra Cash To Bonds....

Hmmmm, would you consider T. Rowe Price Stable Value Common Trust Fund A?

It has an expense ratio of 30 basis points vs. 4 basis points for Vanguard Total Bond Fund in my 401k.

Looks like NAV stays at $1.00 with a 1.92% SEC yeild.
by 2Birds1Stone
Mon Jun 04, 2018 4:02 pm
Forum: Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1431

Re: Help Deploying Extra Cash To Bonds....

So I wouldn't necessarily say allocating from CDs to bonds is any real priority. Hmm, that's a lot to think about. I catch a lot of flack for being heavy on the cash, I figured tax free bond yield of 3% would be better than 2.1-2.8% CD interest being taxed at 24%. I'm not sure how much the NAV of a...
by 2Birds1Stone
Mon Jun 04, 2018 3:59 pm
Forum: Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1431

Re: Help Deploying Extra Cash To Bonds....

Did I miss your current tax rate? That's important, as is your tax rate in retirement which sounds like it will probably be zero. You will likely unwind anything you do now when you retire in order to do something else. I would wait to make a decision until the morning of the FOMC press conference ...
by 2Birds1Stone
Mon Jun 04, 2018 3:51 pm
Forum: Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1431

Re: Help Deploying Extra Cash To Bonds....

If you re-balanced some of your stock funds in tax deferred, how would that affect your stock portion of your AA? Would you just direct new $$ towards stocks? I think it is a good thing to have muni bonds in a taxable account. Nothing like tax free income. :dollar If I rebalanced stocks into bonds ...
by 2Birds1Stone
Mon Jun 04, 2018 2:48 pm
Forum: Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1431

Re: Help Deploying Extra Cash To Bonds....

@RCL, thanks. I should have been a bit clearer. I understand that there is no point holding a muni (or other tax exempt) bond fund in tax deferred space. My question is, would it be better to hold NY Muni bond fund in taxable, or to rebalance some of my stock funds in Roth/401k in order to get my bo...
by 2Birds1Stone
Mon Jun 04, 2018 2:32 pm
Forum: Personal Investments
Topic: Help Deploying Extra Cash To Bonds....
Replies: 14
Views: 1431

Help Deploying Extra Cash To Bonds....

Hello BH, I always value the advice on this site. I am currently 31 years old and looking to semi/early retire within the next few years (using geographical arbitrage). I currently feel as though I have too much cash (sitting in CD's earning 2.1-2.4% interest). I would like to increase my stock/bond...
by 2Birds1Stone
Tue May 08, 2018 11:28 am
Forum: Personal Investments
Topic: Newby to this forum: do i have enough?
Replies: 44
Views: 9292

Re: Newby to this forum: do i have enough?

our lifestyle requires approx 300-350K per year to live- several vacations per year with usually one international travel per year (hoping we can go business class from now on for international flights). otherwise we are quite frugal-old cars, just love coupons and costco!! Thanks. hard for me to i...
by 2Birds1Stone
Tue May 01, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 249
Views: 38638

Re: Those with high savings rate: why?

I''ll be able to retire @ 35 years old, after a 13 year career.
by 2Birds1Stone
Mon Apr 09, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Will I catch up saving for retirement?
Replies: 54
Views: 5453

Re: Will I catch up saving for retirement?

You're doomed, at 34 you should have way more than <1X annual income saved ;)
by 2Birds1Stone
Thu Mar 29, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 17710

Re: Healthy eaters -- is this grocery budget normal to you?

Active healthy eating couple here in fairly HCOL area. We shop primarily at Trader Joes, Aldi, Costco, and ethnic markets. Spending about $250-300*/month on food. We like to cook a lot, and find that as long as you're shopping sales and buying seasonal produce, cooking in larger batches and eating l...
by 2Birds1Stone
Wed Mar 28, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

Smile! This FRIDAY the market will NOT go down. Gracias por leer ~cfs~ Sure it will, end of quarter AND a Friday =) Here are the Holidays for ALL the US Markets (for 2018, 2019, 2020). https://www.nyse.com/markets/hours-calendars Good luck, y gracias por leer ~cfs~ Haha! That's the second time I fo...
by 2Birds1Stone
Wed Mar 28, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

cfs wrote:
Wed Mar 28, 2018 3:19 pm
Smile!

This FRIDAY the market will NOT go down.

Gracias por leer ~cfs~
Sure it will, end of quarter AND a Friday =)
by 2Birds1Stone
Tue Mar 27, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

Earl Lemongrab wrote:
Tue Mar 27, 2018 4:39 pm
Yet again I didn't get a chance to TLH VOO. It might have hit a negative at some point, but it was positive every time I checked. I ended the day with $1.10 in unrealized gains.
Even if you went a couple of points into the red, why would you bother TLH such a small amount?
by 2Birds1Stone
Mon Mar 26, 2018 7:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

It seems like there is a pattern of RBD's that usually fall on a Friday when the month or quarter end coincides that day/weekend.

Will this Friday be any different?
by 2Birds1Stone
Sun Mar 25, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 31298

Re: Anyone Deleting Facebook?

I deleted mine a month ago, before the whole debacle.
by 2Birds1Stone
Thu Mar 22, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

As someone who is likely to get laid off in April, this is a bit scary.

:sharebeer
by 2Birds1Stone
Thu Mar 22, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Do you Continue to invest even in down market??
Replies: 54
Views: 7515

Re: Do you Continue to invest even in down market??

I only buy when Market is at all time highs, and sell in the down market.
by 2Birds1Stone
Mon Mar 19, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 249
Views: 38638

Re: Those with high savings rate: why?

I want the option to quit full-time work after 10 years in the corporate world.
by 2Birds1Stone
Thu Feb 22, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 16631

Re: What big item (>20k) are you saving up for?

A gap year from my career.
by 2Birds1Stone
Thu Feb 22, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 131
Views: 22582

Re: Do you rent even if you can afford to buy?

Yes, we could easily purchase a median priced home in our area ($450k), but that comes with $12k/yr in taxes and the related maintenance and cleaning. We chose instead to rent a simple 1 bedroom apartment in a good location, for $1,100/month. Let our landlord deal with any headaches, and us the free...
by 2Birds1Stone
Fri Feb 09, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. Am I allowed to ask your age and current AA...
by 2Birds1Stone
Fri Feb 09, 2018 9:53 am
Forum: Personal Investments
Topic: Portfolio Checkup - Major Life Event
Replies: 17
Views: 2888

Re: Portfolio Checkup - Major Life Event

Sorry for bumping this thread, I am posting this to link to another thread as to prevent derailing it. Current Portfolio Allocation 45% Domestic Stock 23% International Stock 15.6% Domestick Bonds 1.6% International Bonds 13.3% Alternatives 1.6% Cash $240,300 Total Invested as of this morning. Non I...
by 2Birds1Stone
Fri Feb 09, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

I'm afraid of posting my details for fear of derailing this thread.

I will post my current AA in another post and link it here.
by 2Birds1Stone
Fri Feb 09, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. Am I allowed to ask your age and current AA...
by 2Birds1Stone
Fri Feb 09, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide. I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance. If you purchased the mutual fund, then you ...
by 2Birds1Stone
Fri Feb 09, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

If 10% is making you question it, you probably have too much in equities. The average peak to trough in a given year in stocks is 14%. And the 2008-2009 debacle saw a peak to trough drop of about 51%. If you don't think you could hold on through that, then you very likely wouldn't . It's hard to se...
by 2Birds1Stone
Thu Feb 08, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

Purchased $10k of Total Stock Index and $5k of Total Bond Index around lunch time today, causing the afternoon slide.

I must say, this being my first real correction with a significant (to me) stock allocation, it makes me question my true risk tolerance.
by 2Birds1Stone
Thu Feb 08, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11854
Views: 2027127

Re: U.S. stocks in freefall

fantasytensai wrote:
Thu Feb 08, 2018 11:25 am
Anyone else buying today, or trying to avoid catching a falling knife?
Waiting for the bottom ;)
by 2Birds1Stone
Thu Feb 08, 2018 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 16922

Re: Financial Hole

It's amazing how the choices we make are not our fault and the consequences are just some random force of luck eh?

Until you shift your mindset, you will keep digging deeper and deeper into a hole.

I hope you see that sooner than later, and before it's too late.