Lesson learned, listen to your wife. She has good intuition.
Search found 258 matches
- Sun Jan 24, 2021 10:00 pm
- Forum: Personal Investments
- Topic: Anyone here incorporate Cryptocurrency into their AA?
- Replies: 22
- Views: 1255
- Sun Jan 24, 2021 9:59 pm
- Forum: Personal Investments
- Topic: Anyone here incorporate Cryptocurrency into their AA?
- Replies: 22
- Views: 1255
Re: Anyone here incorporate Cryptocurrency into their AA?
Yes, started at 20%. That 20% has grown to become 60% in less than a year. To be honest, wasn't expecting it to grow this quick but glad I took the risk.
- Sat Jan 23, 2021 9:32 pm
- Forum: Personal Consumer Issues
- Topic: Purchasing my first smartwatch or fitness tracker
- Replies: 27
- Views: 1888
Re: Purchasing my first smartwatch or fitness tracker
Honestly I won't worry about getting one, many apps track quality of sleep with reasonable accuracy plus when you get up in the morning you can tell how you slept with no devices. As far as heart rate and body temperature not sure why you would want to track these daily unless there is a strong reas...
- Sun Jan 17, 2021 9:26 pm
- Forum: Personal Investments
- Topic: CrytpoCurrency
- Replies: 55
- Views: 4472
Re: CrytpoCurrency
I have bitcoin and other cryptocurrancies, started with 15% of my portfolio few months ago... Now grown to become over 60% of my portfolio. Will keep the coins I have at the moment, might be my key for early retirement 

- Sat Jan 16, 2021 8:10 pm
- Forum: Investing - Theory, News & General
- Topic: On what are you most bullish?
- Replies: 194
- Views: 9916
Re: On what are you most bullish?
Bitcoin and Cryptocurrancies in general.
- Wed Jan 13, 2021 10:41 pm
- Forum: Personal Investments
- Topic: Three Fund Portfolio + Ark ?
- Replies: 24
- Views: 1627
Re: Three Fund Portfolio + Ark ?
If it was me, I'd allocate at least 50% to ARK funds and keep watching...Dannyzecca wrote: ↑Wed Jan 13, 2021 9:03 pm What’s your thoughts and opinions on this, it would look something like
VTSAX
VTIAX
VBTLX
ARKQ
ARKK
ARKG
ARKF
- Sat Jan 09, 2021 4:57 pm
- Forum: Investing - Theory, News & General
- Topic: Do you have FOMO (Bitcoin, TSLA, whatever?)
- Replies: 201
- Views: 12249
Re: Do you have FOMO (Bitcoin, TSLA, whatever?)
I do actually. Made some good and bad investments but the good ones outweigh the bad ones by ages... So all good!
- Fri Jan 08, 2021 4:46 pm
- Forum: Personal Investments
- Topic: Should I sell my Tesla [stock] now or wait?
- Replies: 43
- Views: 2377
Re: Should I sell my Tesla [stock] now or wait?
I would just hold it. This stock apparently only go up despite being overvalued etc., so enjoy the ride!
- Thu Jan 07, 2021 8:40 pm
- Forum: Investing - Theory, News & General
- Topic: If you bought Bitcoin, when do you plan to sell?
- Replies: 248
- Views: 16863
Re: If you bought Bitcoin, when do you plan to sell?
I will sell when the total value starts to exceed $700K, might happen this year much sooner than anticipated :sharebeer No, 700k$ is too high. On-chain analytics, stock-to-flow and some other metrics indicate 200-300k$ as most likely, 500k$ not out of question. More than that? Most likely not. Chec...
- Thu Jan 07, 2021 3:59 pm
- Forum: Investing - Theory, News & General
- Topic: If you bought Bitcoin, when do you plan to sell?
- Replies: 248
- Views: 16863
Re: If you bought Bitcoin, when do you plan to sell?
I will sell when the total value starts to exceed $700K, might happen this year much sooner than anticipated 

- Wed Jan 06, 2021 8:52 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 3410
- Views: 572498
Re: What are you up YTD? [Year To Date]
Up 44% YTD... The little fun money I put in crypto is becoming the real money 

- Mon Jan 04, 2021 10:46 pm
- Forum: Investing - Theory, News & General
- Topic: Bitcoin
- Replies: 69
- Views: 5053
Re: Bitcoin
Office of the Comptroller of the Currency just announced new guidelines today regarding Cryptcurrancies, and how banks can utilize this new technology. The future of finance looks bright indeed! https://www.forbes.com/sites/haileylennon/2021/01/04/occ-regulator-implements-groundbreaking-cryptocurren...
- Fri Jan 01, 2021 12:50 am
- Forum: Personal Finance (Not Investing)
- Topic: 2020 Net Worth
- Replies: 111
- Views: 7249
Re: 2020 Net Worth
Up 200%, didn't see it coming considering the crash we saw in March. Thanks to the latest Bitcoin bull run 

- Thu Dec 31, 2020 8:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: International Wire transfer
- Replies: 10
- Views: 525
Re: International Wire transfer
Chase have the worst exchange rate. The rate you see online is not what they use to process the wire. Learned that the hard way too 

- Tue Dec 29, 2020 7:11 am
- Forum: Investing - Theory, News & General
- Topic: When will you start buying airline and hotel stocks again?
- Replies: 53
- Views: 3294
Re: When will you start buying airline and hotel stocks again?
March was the time to buy to maximize profits...
- Mon Dec 28, 2020 5:01 pm
- Forum: Investing - Theory, News & General
- Topic: The Robinhood "videogame"
- Replies: 105
- Views: 11020
Re: The Robinhood "videogame"
My soon to graduate from college youngest son started dabbling with Robinhood a bit (although he has his real money at Vanguard). I mentioned to him “hey, when we have to do your taxes next year, each one of those trades is going to generate a small capital gain or loss that we’re going to have to ...
- Sun Dec 27, 2020 8:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2020: Lessons learned
- Replies: 237
- Views: 15711
Re: 2020: Lessons learned
Buy the dip 

- Sun Dec 27, 2020 7:16 pm
- Forum: Personal Investments
- Topic: Thoughts on investing in BRK.B on a long term basis?
- Replies: 12
- Views: 1314
Re: Thoughts on investing in BRK.B on a long term basis?
QQQ worked out great this year for me. Wish I can tell if future performance will be the same. Have cash on the side to invest.
- Sun Dec 27, 2020 7:13 pm
- Forum: Non-US Investing
- Topic: I want 15% yearly ROI. How to go about it? [Croatia]
- Replies: 135
- Views: 10595
Re: I want 15% yearly ROI. How to go about it?
My 401K up 37% this year. So 15% is possible in the current market unless we start to see down trend.
- Fri Dec 25, 2020 8:56 pm
- Forum: Investing - Theory, News & General
- Topic: Bitcoin, Ethereum and Crypto: Educational Thread
- Replies: 216
- Views: 15724
- Thu Dec 24, 2020 9:01 pm
- Forum: Personal Consumer Issues
- Topic: PayPal Claim USPS In Transit Arriving Late
- Replies: 39
- Views: 2561
Re: PayPal Claim USPS In Transit Arriving Late
Same here, order item that was shipped Dec. 8th, still in transit arriving late!
- Wed Dec 23, 2020 8:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Networth $1M (age 40) ...please advise for next steps
- Replies: 43
- Views: 9654
Re: Networth $1M (age 40) ...please advise for next steps
$1MM is not a lot. You're middle age and it's technically $500k per person. I would recommend hitting $3MM family net worth at the bare min. You have to consider inflation rate as well. If you want $100k/yr (in future dollars) at retirement you need like $3MM using 3.33% SWR. If you want $100k/yr (...
- Wed Dec 23, 2020 12:54 pm
- Forum: Investing - Theory, News & General
- Topic: The Robinhood "videogame"
- Replies: 105
- Views: 11020
Re: The Robinhood "videogame"
My soon to graduate from college youngest son started dabbling with Robinhood a bit (although he has his real money at Vanguard). I mentioned to him “hey, when we have to do your taxes next year, each one of those trades is going to generate a small capital gain or loss that we’re going to have to ...
- Wed Dec 23, 2020 12:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: What would you do if you're disappointed about this probable job rejection?
- Replies: 22
- Views: 2455
Re: What would you do if you're disappointed about this probable job rejection?
Curious how did you find out the role is no longer available? Did you get a thank you for applying note etc.? If the role is truly no longer available, then apparently you weren't selected. I'd just move on. From my experience when you are selected for a role, the company will extend something verba...
- Tue Dec 22, 2020 9:38 pm
- Forum: Investing - Theory, News & General
- Topic: Bitcoin @ 23K, why am I anti-Bitcoin?
- Replies: 404
- Views: 19733
- Tue Dec 22, 2020 3:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: house affordability math
- Replies: 18
- Views: 1399
Re: house affordability math
For me personally affordability depends on the big picture. For example someone with $500K net worth and minimal debit can afford to spend on a house more than someone with $200K salary and $100K in student loans/debt. If you are where you supposed to be in regards of saving/retirement then you can ...
- Sat Dec 19, 2020 9:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: HM Bradley savings plan 3% APY
- Replies: 97
- Views: 9856
Re: HM Bradley savings plan 3% APY
What would Charlie Munger say about this? :oops: I believe that he would put it in the "Too complicated file," move on to the next question and forget it. (Why risk 100% of ones principal to achieve a maximum possible gain of 3% if it's legit?) Wondering why you think it's not legit? HM B...
- Fri Dec 18, 2020 6:22 pm
- Forum: Personal Investments
- Topic: Where are you storing your emergency fund money?
- Replies: 79
- Views: 6139
Re: Where are you storing your emergency fund money?
BTC and top altcoins, up 5x in the past few months 

- Fri Dec 18, 2020 10:30 am
- Forum: Personal Investments
- Topic: Citigold Investment ($200k req) with Citi Priority Bonus ($700)
- Replies: 6
- Views: 809
Re: Citigold Investment ($200k req) with Citi Priority Bonus ($700)
How long do you need to keep the fund for the $700?Kinda tempted as well.
- Thu Dec 17, 2020 9:03 am
- Forum: Investing - Theory, News & General
- Topic: Bitcoin, Ethereum and Crypto: Educational Thread
- Replies: 216
- Views: 15724
Re: Bitcoin, Ethereum and Crypto: Educational Thread
Coinbase and Robinhood.burritoLover wrote: ↑Thu Dec 17, 2020 8:47 am Is there a way to buy and hold crypto without any fees?
- Wed Dec 16, 2020 10:37 pm
- Forum: Investing - Theory, News & General
- Topic: Bitcoin breaks $20,000
- Replies: 231
- Views: 10900
- Thu Dec 10, 2020 9:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: Regrets: What's One Investment You Wish You Bought More Of?
- Replies: 60
- Views: 4309
Re: Regrets: What's One Investment You Wish You Bought More Of?
Bitcoin! When it was under $20 per Bitcoin 

- Thu Dec 03, 2020 4:23 pm
- Forum: Personal Investments
- Topic: Where to put "mad money"?
- Replies: 31
- Views: 2331
Re: Where to put "mad money"?
Top 4 or 5 crypto coins like Bitcoin, Litecoin, Ehterum, and Ripple...
- Tue Dec 01, 2020 9:31 pm
- Forum: Investing - Theory, News & General
- Topic: Easiest way to buy bit coin/cryptocurrency index fund
- Replies: 185
- Views: 13926
Re: Easiest way to buy bit coin/cryptocurrency index fund
Personally I use coinbase, easy to use and no issues so far.
- Thu Nov 26, 2020 8:10 pm
- Forum: Non-US Investing
- Topic: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?
- Replies: 49
- Views: 5344
Re: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?
Coinbase is your best bet to start...
- Thu Nov 26, 2020 12:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buying a house in NJ, how much to spend?
- Replies: 75
- Views: 5120
Re: Buying a house in NJ, how much to spend?
Thanks a lot of the input this is very helpful. I'm targeting to buy in Middlesex County at the point if I buy (properties seems to hold their value better if I'm not mistaken). I agree what your thoughts and personally not thrilled about buying in NJ but at the same time paying $32K in rent a year...
- Wed Nov 25, 2020 11:26 am
- Forum: Personal Finance (Not Investing)
- Topic: Buying a house in NJ, how much to spend?
- Replies: 75
- Views: 5120
Re: Buying a house in NJ, how much to spend?
I am making the assumption that you are looking at buying in North/Central NJ since you mention NYC. I lived in that part of the country for many years until I eventually got fed up and moved to a lower cost of living area (more on that later :happy). Anyway, housing prices vary from town to town, ...
- Wed Nov 25, 2020 11:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Buying a house in NJ, how much to spend?
- Replies: 75
- Views: 5120
Re: Buying a house in NJ, how much to spend?
Except the current $2600 rent for OP might not be for a home worth 500k since as stated is missing "extra room since kids doing school remote and we both working from home at the moment" so is looking for an upgrade in space. I do agree that home appreciation in many parts of this state h...
- Wed Nov 25, 2020 11:16 am
- Forum: Personal Finance (Not Investing)
- Topic: Buying a house in NJ, how much to spend?
- Replies: 75
- Views: 5120
Re: Buying a house in NJ, how much to spend?
Property Taxe is high in NJ, that's another discouraging factor. Reasons why I want to buy: 1. Build equity 2. Take advantage of lower mortgage rates 3. Have extra room since kids doing school remote and we both working from home at the moment. Not rushing to buy but at the same time I feel my rent...
- Mon Nov 23, 2020 4:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buying a house in NJ, how much to spend?
- Replies: 75
- Views: 5120
Buying a house in NJ, how much to spend?
Hello, I just started looking to buy a house in NJ and wondering how much to spend, below some information that might help: 1. Married with two young kids. 2. Household income: $220K 3. Total retirement savings: $300K 4. Age: 37 and 33 (kids 9 and 11) 5. Current rent: $2,600 Ideally I'd like to stay...
- Fri Nov 13, 2020 8:19 pm
- Forum: Personal Finance (Not Investing)
- Topic: Aging parents - who pays for expenses related to medical care
- Replies: 109
- Views: 5670
Re: Aging parents - who pays for expenses related to medical care
- Tue Nov 10, 2020 6:07 pm
- Forum: Personal Consumer Issues
- Topic: New Car Scratch: Fix Completely or Partially?
- Replies: 32
- Views: 1771
Re: New Car Scratch: Fix Completely or Partially?
+1
Basically this is what the shop will be doing for $80
- Sun Nov 08, 2020 9:46 pm
- Forum: Investing - Theory, News & General
- Topic: % allocation in bitcoin
- Replies: 204
- Views: 11998
Re: % allocation in bitcoin
I have some BTC and other top altcoins just in case the price go up to 50K+, then I will cash it and pay for my house in cash. Risk is high, but return is also high. No regrets so far...
- Sun Nov 01, 2020 2:55 pm
- Forum: Personal Consumer Issues
- Topic: Can I afford luxury watch?
- Replies: 87
- Views: 3608
Re: Can I afford luxury watch?
OP at 44 this is not a good buy giving your income/student loans.
- Sun Nov 01, 2020 2:53 pm
- Forum: Personal Consumer Issues
- Topic: Can I afford luxury watch?
- Replies: 87
- Views: 3608
Re: Can I afford luxury watch?
Technically speaking yes, you can afford it and it won't break your bank but based on that income and student loan debits I wouldn't personally buy it until I have more savings or larger income.
- Fri Oct 30, 2020 5:26 pm
- Forum: Personal Investments
- Topic: Hit 2M, at 38, should I retire?
- Replies: 106
- Views: 15961
Re: Hit 2M, at 38, should I retire?
Congrats OP, you won the game. Definitely retire in LCOL country and enjoy your life...
- Wed Oct 28, 2020 6:51 am
- Forum: Personal Finance (Not Investing)
- Topic: Can I afford it? First Time Home Purchase
- Replies: 31
- Views: 2660
Re: Can I afford it? First Time Home Purchase
OP-
My advice keep renting or look for something under $500K. As much as you like the apartment, it will turn your life to a nightmare unless you double your income.
My advice keep renting or look for something under $500K. As much as you like the apartment, it will turn your life to a nightmare unless you double your income.
- Sun Oct 25, 2020 6:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can my wife and I afford a $600K + house?
- Replies: 134
- Views: 15007
Re: Can my wife and I afford a $600K + house?
You can afford it but it's not ideal in my opinion. After taxes, retirement contributions, etc. your take home pay is probably around the $150K with daycare and additional expenses for the baby (congratulations by the way) the house payment will be eating the rest of your paycheck. By the way in the...
- Sun Oct 18, 2020 10:48 am
- Forum: Personal Investments
- Topic: Coronavirus and the Market, what's on your watchlist?
- Replies: 4
- Views: 459
Coronavirus and the Market, what's on your watchlist?
For those who have some fun money on the side outside of retirement accounts, what individual stocks are you watching with the 2nd wave of Corona virus coming? Stocks like AMZN, ZM, AMD did well in the past few months and with the second wave starting the momentum probably not dying anytime soon. Pe...
- Sat Oct 10, 2020 7:38 pm
- Forum: Personal Consumer Issues
- Topic: Victim of online scam. problem with credit card dispute.
- Replies: 99
- Views: 5723
Re: Victim of online scam. problem with credit card dispute.
OP- $120 isn't a lot but I'll not let it slide. I'd call customer service on the phone and file another claim and ask to speak to a supervisor. Mention this never happened to you with any other credit card company and this is why you have the credit card and if they can't resolve the claim you will ...