Search found 832 matches

by packet
Tue Mar 10, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18799
Views: 2628052

Re: U.S. stocks in free fall

Just got the email that I hit my rebalancing bands. Rebalanced as per my spreadsheet. First time it was ever triggered. That was easy. What do you use for the email trigger - Vanguard portfolio watch? What service are you using that sends you emails to rebalance? I'm not OP... but I use Google shee...
by packet
Fri Feb 28, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18799
Views: 2628052

Re: U.S. stocks in free fall

All I know is I'm having an awfully hard time keeping up with this thread!
Thankfully, keeping up with my AA is much easier... :)

Stiff upper lip folks!

:beer Cheers,
packet
by packet
Thu Jan 23, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: 400lbs, delivery or pick up?
Replies: 71
Views: 8686

Re: 400lbs, delivery or pick up?

Just read the entire thread over my morning coffee. Could not stop laughing as the thread evolved in the usual Boglehead way. Made my morning. You guys are awesome. I always go to the store to get my cat litter because I feel guilty about getting it delivered. No more! Thank you OP and Bogleheads :...
by packet
Thu Dec 05, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: 10 Year Stock Picking Project, Beginning Dec 5 2019
Replies: 28
Views: 2151

Re: 10 Year Stock Picking Project, Beginning Dec 5 2019

... As a control group you might want to have a third virtual portfolio that just pick ten stocks at random and track. Actually having several virtual accounts of random stocks ... Great idea! I think a bunch of other Bogleheads should volunteer to take these randomized control groups on ... sorry,...
by packet
Thu Dec 05, 2019 1:55 pm
Forum: Investing - Theory, News & General
Topic: I don’t think I am a good Boglehead
Replies: 80
Views: 6308

Re: I don’t think I am a good Boglehead

There are many roads to Dublin.
I sincerely wish you the best of luck on your road (I'm sure you'll be fine).

:beer Cheers,
packet
by packet
Sat Nov 16, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 7625

Re: "Beer Money" Methods

I use Paribus by CapitalONE and get some cash back from Amazon from time to time when they miss their delivery promise. They track other orders too, but i rarely shop elsewhere.

:beer Cheers,
packet
by packet
Thu Nov 07, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 7625

Re: "Beer Money" Methods

Jayhawk11 wrote:
Thu Nov 07, 2019 7:37 am
(4) ... most recent was a free Google Home for my already-existing Spotify premium membership...
Thanks for that! Just got mine... :)

I had no idea... wish there were a (free) service to notify me of these sorta things...

:beer Cheers,
packet
by packet
Fri Oct 25, 2019 2:15 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

Contributed to my soon-to-be-wife's IRA :D . Nice! And two times the congratulations! But... shhhh.... I'm sure you meant to say that your soon-to-be-wife contributed to her IRA (and has enough income to cover said deposit). Cause, well, you know... you can't donate to someone else's IRA after all ...
by packet
Fri Oct 25, 2019 2:12 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

Maxed out my 401k for the year with today's paycheck!! I thought I changed it to max out at the end of the year... As wonderful as that is (Congrats!)... be sure you know how your company matches funds (if they do at all). For example, if I were to do the same, I would miss out on the matching fund...
by packet
Fri Oct 18, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 44
Views: 3320

Re: Controlling Discretionary Spending

Only 12 days in and it's been interesting. I have about $100 stacked up already (if today were purchase day, I'd likely only spend half of that). It really makes a difference seeing a total as opposed to the individual prices (these are all small). The extra time allows (forces) more thought around ...
by packet
Wed Oct 09, 2019 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 44
Views: 3320

Re: Controlling Discretionary Spending

...pay in cash as much as possible, and keep that cash in separate envelopes... 99.9% of the spending I'm struggling with is online, and the vast majority is at 1 re-seller (thankfully, I have their 5% off card, plus portions go to my favorite charity). How would DR's suggestion be translated for o...
by packet
Tue Oct 08, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 44
Views: 3320

Re: Controlling Discretionary Spending

cheese_breath wrote:
Tue Oct 08, 2019 9:00 am
...“Watch the pennies and the dollars will take care of themselves,”
And that's why I'm here baring my soul to the Boglehead community (and myself)!

Thank you for your feedback.

:beer Cheers,
packet
by packet
Tue Oct 08, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 44
Views: 3320

Re: Controlling Discretionary Spending

...Do not make it easy for you to overspend.... Good point. It is pretty easy today, I'll need to consider this more. <<We max all tax advantaged accounts yearly>> This has no meaning. ... Point taken. We contribute (combined with matches etc.) almost 1 year's projected (in retirement) expenses per...
by packet
Tue Oct 08, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 44
Views: 3320

Re: Controlling Discretionary Spending

It's only been 1 day and... Confessions: 1. Ordered 3, 20' cat 6 ethernet cables, $8.50 ea, total $25.50 2. Ordered 1 usb-c to rj45 adapter, $20 3. Ordered a SIM from Sprint, $29 Why didn't I wait wait? I "need" the cables and adapter for a trip this weekend. They are to enhance a gaming session wit...
by packet
Tue Oct 08, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 44
Views: 3320

Re: Controlling Discretionary Spending

deikel wrote:
Mon Oct 07, 2019 11:14 am
The book 'Atomic Habits' might also help if you search for it...
Another thing to buy!
:)

I'll add it to next month's list and see how i feel about it then.

:beer Cheers,
packet
by packet
Tue Oct 08, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 44
Views: 3320

Re: Controlling Discretionary Spending

Thank you all very much for the feedback. ...We have a firm rule (minor exceptions). If you buy something, you have to get rid of ... at least two things.... We don't have a rule per se, but we do purged once or twice a year where we donate to charitable yard sales. Will have to consider a more form...
by packet
Mon Oct 07, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 44
Views: 3320

Controlling Discretionary Spending

So, I’m fairly good at tracking spending and good enough at living below my means, but … I know I spend too much on things. Things I just want, or think may be helpful, or may even have an argument for the need thereof. Not to mention all of the eating out and entertainment... ugg, a topic for anoth...
by packet
Fri Sep 20, 2019 10:59 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 265
Views: 30757

Re: What is your overall portfolio weighted expense ratio

0.1014 ... My ER is slowly drifting up 0.1036% ... As promised, drifting up ... 0.0845 ... W00T! ... Our 403b fund is switching ... 0.0747 ... drifting, drifting, drifting down ... weeee! Talking to myself ... :/ Another good change to our plan. I'm now in Fidelity Zero funds. 0.0678% :beer Cheers,...
by packet
Tue Sep 10, 2019 9:43 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

Pigeye Brewster wrote:
Tue Sep 10, 2019 8:54 am
After paying off our mortgage in July, we received a copy of the recorded release of mortgage yesterday. :beer
Congrats and color me envious ... :)

:beer Cheers,
packet
by packet
Tue Sep 10, 2019 8:21 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

With last month's automatic contributions, DW and I just reached 7 figures! It will only last until the next market dip but we will enjoy it for now. Thanks Bogleheads for all of your help and support over the past three years! What an amazing group of kind and helpful people! Weeee! Congrats! :bee...
by packet
Thu Aug 29, 2019 12:02 pm
Forum: Investing - Theory, News & General
Topic: Is now still a good time to buy VTSAX?
Replies: 45
Views: 4201

Re: Is now still a good time to buy VTSAX?

YES!

:beer Cheers,
packet
by packet
Thu Aug 15, 2019 6:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18799
Views: 2628052

Re: U.S. stocks in free fall

Lee_WSP wrote:
Wed Aug 14, 2019 3:29 pm
Calico, the world's worst market timer...
Fixed that for you... :)

:beer Cheers,
packet
by packet
Tue Aug 13, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Domestic returns next 10 years
Replies: 45
Views: 3401

Re: Domestic returns next 10 years

These discussions crack me up. No one knows. Anyone who thinks they knows is full of themselves :) I agree, and it appears that my heavy sarcasm with decimal point predictions was taken seriously by others. Unbelievable. I believe asif408 was referring to the "4.5%" in the OP ... not your much more...
by packet
Wed Jul 10, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5624
Views: 481407

Re: S&P 500 hit 3,000 today

greg24 wrote:
Wed Jul 10, 2019 9:31 am
In hexidecimal, it hit BB8.

Image
How long have you been waiting to say that?
:)

To OP, no thoughts, no reactions, carrying on with my day.

:beer Cheers,
packet
by packet
Thu Jun 13, 2019 11:26 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

In cash + investments, hit the 2M mark. (We could have counted the house / cars to get to the 2M mark earlier, but my mental accounting thought that was cheating.) We've still got a couple of kids to get launched, but otherwise things are looking good and I really appreciate all the great posts on ...
by packet
Thu Jun 06, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: Convince me not to try to time the market
Replies: 27
Views: 2571

Re: Convince me not to try to time the market

Oh yeah, and...

Welcome to Bogleheads!

:beer Cheers,
packet
by packet
Fri May 10, 2019 6:06 am
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 13889

Re: What is your U.S./ex-U.S. stock allocation?

25% of equities are x-us.

:beer Cheers,
packet
by packet
Fri May 03, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 13144

Re: Rarely used items that are worth having?

elliptical machine?
:twisted:

:beer Cheers,
packet
by packet
Thu Apr 25, 2019 8:18 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

happyisland wrote:
Wed Apr 24, 2019 4:10 pm
Nobody else to tell about this, so I'll post it here: today was the first day we had to use a second comma for our net worth! Woo hoo!
Congrats and keep it up!

:beer Cheers,
packet
by packet
Tue Apr 23, 2019 8:14 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

angelescrest wrote:
Tue Apr 23, 2019 6:25 am
... But my goodness, I just added up some numbers ...
Congrats!

Keep on focusing on saving!

:beer Cheers,
packet
by packet
Fri Mar 22, 2019 8:47 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

barnaclebob wrote:
Fri Mar 22, 2019 8:43 am
First time posting a milestone. With yesterdays paycheck and the rise in the market, the wife and I crossed a net worth of 2 mil yesterday...
Sahweeet!

Congrats.

:beer Cheers,
packet
by packet
Fri Mar 22, 2019 8:44 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

PhillyPhan wrote:
Thu Mar 21, 2019 9:48 pm
With the rise in the market today, I crossed the 500k net worth milestone. :sharebeer
Well done and congrats!

Keep up the good work ... :beer

Cheers,
packet
by packet
Wed Mar 06, 2019 1:20 pm
Forum: Investing - Theory, News & General
Topic: PGERS v. Wal-Mart Class Action
Replies: 6
Views: 575

Re: PGERS v. Wal-Mart Class Action

Well golly... maybe I'm wrong. I just peeked back at transactions within the window and see a couple dividend distributions from WalMart. I did own a very small number of individual stocks before becoming a true Boglehead (didn't even remember what they were or precisely when I had them). This expla...
by packet
Wed Mar 06, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: PGERS v. Wal-Mart Class Action
Replies: 6
Views: 575

Re: PGERS v. Wal-Mart Class Action

I received the mailer, so my first assumption was that I was a class member. Reading the paper work, "The Class includes all Persons who purchased or otherwise acquired the publicly traded common stock of Walmart between December 8, 2011 and April 20, 2012, and who were allegedly damaged by Defendan...
by packet
Wed Mar 06, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: PGERS v. Wal-Mart Class Action
Replies: 6
Views: 575

PGERS v. Wal-Mart Class Action

I am, and I'm willing to bet everyone here is, a class member of this suit against WalMart . Is anyone going to go through the trouble of listing every transaction in the 5 month window, with precise numbers of shares purchased, for their mutual funds and/or ETFs? I hold a few mutual funds that, in ...
by packet
Thu Feb 21, 2019 9:31 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Post your Financial Milestone Announcements Here

Congratulations to all the previous milestone posters. Finally, we get to post in here too! We've been flirting with the 2 comma club for a while now, the recent dip not withstanding. This morning, for no particular reason, I realized that we were already there. The number I fixate on in our trackin...
by packet
Wed Jan 16, 2019 7:57 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 60200

Re: John Bogle is dead at 89

Rest in peace Mr. B, you will be missed.

packet
by packet
Wed Sep 26, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3780

Re: When do you need a hearing aid

What?
by packet
Wed Sep 26, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 265
Views: 30757

Re: What is your overall portfolio weighted expense ratio

0.1014 My ER is slowly drifting up towards 0.16 due to the S&P 500 fund in my 403b. It would be 0.0847 today and drifting downward, if not for my 403... :/ 0.1036% As promised, drifting up ... W00T! Our 403b fund is switching out of the S&P 500 fund for VINIX (Vanguard Institutional Index Fund Inst...
by packet
Thu Jun 21, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 4438

Re: Does an IPS really need to be 5 pages long to be valuable?

Cody wrote:
Thu Jun 21, 2018 8:39 am
We are actually looking for sample IPS's for my adult daughter to use as a template. Where to look for shorter, but valuable ones?

Thanks much,
Cody
Perhaps she can use yours as a template?
:)

:beer Cheers,
packet
by packet
Fri Jun 01, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 22479

Re: Top Shelf Liquor Overrated?

IMHO... vodkas in mixed drinks won't make a big difference in taste (tho it is there, just not big). However, my personal measuring stick happens the next morning. For me, Grey Goose is smooth on the psyche the next morn... :)

:beer Cheers,
packet
by packet
Sat Apr 28, 2018 8:00 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1403
Views: 189601

Re: Paid Off Mortgage Today

:sharebeer
Congrats!

Small world, we made an extra principal payment today... someday we'll join you.

:beer Cheers,
packet
by packet
Sat Apr 28, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 3468

Re: Anyone else use AmazonSmile?

Yes, to local SPCA.

Plus, I use the Amazon store card to get 5% back for myself... :)

:beer Cheers,
packet
by packet
Sun Mar 11, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 935
Views: 175316

Re: Boglehead Beer

Dogfish Head, World Wide Stout.

:beer Cheers,
packet
by packet
Fri Feb 09, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18799
Views: 2628052

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
by packet
Mon Feb 05, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18799
Views: 2628052

Re: U.S. stocks in freefall

Annoyed with myself... I was at 27.1% fixed income with bands of 27.0%-33.0%. :mrgreen: Wow! At first I'm like, holy cow, this is terrible (Boglehead perspective)... then I'm like, wait, their 0.1 may be waaaayy bigger than my 0.1, then I'm like, WOW! Then I'm like, MnD... drat, got me... :) Seriou...
by packet
Wed Jan 17, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 115
Views: 13242

Re: likely date for a bitcoin crash: does this make sense to you?

nisiprius wrote:
Sat Dec 23, 2017 11:43 am
... I would have an incremental change of mind about the status of Bitcoin...
I admire your objectivity and willingness to listen. Sincerely.

beersCheers,
packet