Search found 122 matches

by rick2427
Wed Mar 18, 2020 1:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18794
Views: 2627223

Re: U.S. stocks in free fall

willthrill81 wrote:
Tue Mar 17, 2020 3:01 pm
teerup wrote:
Tue Mar 17, 2020 3:00 pm
How many times can that dead cat bounce? :D
I think that we've already seen four such bounces, maybe five.
I believe cats have 9 lives
by rick2427
Sat Mar 14, 2020 12:23 am
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25880

Re: Who is staying course and how are you dealing with net worth going down?

Staying the course here. We retired early in mid 2017. It hurts to see hundreds of thousand vaporize in front of your eyes but am glad we have upto 10 years in liquid bond funds. I rebalanced yesterday for the first time in my life from Bonds (VBTLX) to Stock (VTSAX) to within our rebalance bands......
by rick2427
Thu Mar 12, 2020 9:52 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 491
Views: 41553

Re: The Calm Post - Stay the course thread.

Been following BH for past 5 years and thank all the good people who have shared their wisdom with us. I retired in June, 2017 after selling our business. Prior to that I was a haphazard investor, buying and selling individual stocks. Sometimes I had good returns, most times not so good. I went thru...
by rick2427
Tue Mar 03, 2020 12:47 pm
Forum: Personal Investments
Topic: so the Fed cut the rate, how does that affect the market? investors?
Replies: 25
Views: 1964

Re: so the Fed cut the rate, how does that affect the market? investors?

I read that all the global central bank heads had some sort of conference call this morning before the Fed action. I felt it was not needed and doesn’t look like it made a big diff. Market is still down.
by rick2427
Thu Feb 27, 2020 11:08 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 491
Views: 41553

Re: The Calm Post - Stay the course thread.

Don't' worry, this is just like a little bump on the road and it's only back to around December 2019. 2008-2009 taught me to stay the course, keep on investing when I was down over 45%. Glad to see you had good amount saved in CD.
Thank you ViperTom1970 :happy
by rick2427
Thu Feb 27, 2020 1:37 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 491
Views: 41553

Re: The Calm Post - Stay the course thread.

Thank you for starting this CALM Thread.
I 'm glad I decided to keep 3 years expenses in CD's and the rest in an asset allocation that I can live with.
I am staying put...will rebalance as per my IPS.
Thank you BOGLEHEADS!!
by rick2427
Thu Feb 27, 2020 1:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18794
Views: 2627223

Re: U.S. stocks in free fall

Glad I have 3 years expenses in CD's plus 30% in VBTLX.
This is my first major scare after 4th quarter of 2018 since retirement in mid 2017....am staying put and will rebalance as per my IPS.
Thanks Bogleheads !!
by rick2427
Fri Jan 24, 2020 11:28 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26554

Re: Sad news: LadyGeek's husband has passed

LadyGeek, very sad to know you lost your husband. Please accept our heartfelt condolences. Pray Lord give you strength as you grieve your loss.

God Bless You,
Rick
by rick2427
Sun Jun 16, 2019 1:07 pm
Forum: Personal Investments
Topic: Asset allocation for those in their late fifties
Replies: 35
Views: 4261

Re: Asset allocation for those in their late fifties

Current Age 59/59, retired at 57.
Asset allocation 70/30.
staying with this asset allocation
by rick2427
Sun Jun 16, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 3139

Re: Best SIM card for travel in Europe?

Just returned from a 3 week trip to London, Paris, Amsterdam and Munich. Purchase a 30 day "Lebara" SIM at the airport for 25 GBP. Worked great thru out.
by rick2427
Sat Mar 02, 2019 12:20 am
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 101
Views: 8905

Re: What did wise people do with their investments in 2008

During the period 2007-2009, we were 100% in stocks but the portfolio was small (low six figures). Our business was doing well and we kept paying our home mortgage and then commercial property with the profits of the business (I figured we were making guaranteed 4.5% ). After the home mortgage was p...
by rick2427
Tue Feb 26, 2019 11:40 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 241
Views: 51691

Re: How Do You Like My New 'Doo

Nedsaid, thank you for starting this thread and updating it on an ongoing basis....I appreciate it! I also started buying individual stocks in the 1990's, had over 42 stocks at one point but it was very difficult to keep track so I kept selling and moving the funds into index stocks over 5 years ago...
by rick2427
Tue Feb 05, 2019 10:13 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 384439

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

Curious if this strategy will work or self destruct?
Only time will tell.
by rick2427
Fri Feb 01, 2019 12:13 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526449

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

Up +5.97% YTD
72% Stock/24% Bonds/4% Cash
by rick2427
Sat Jan 19, 2019 10:53 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 60199

Re: John Bogle has died at age 89

Sad to hear Mr. Bogle is no more.
I do feel blessed for having an opportunity to meet him at the Bogleheads Conference 2017.
You will be missed Mr. BOGLE...RIP!
by rick2427
Sun Jan 13, 2019 7:21 pm
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 129
Views: 27445

Re: St Louis Bogleheads

Dan:

Due to the wintry weather forecast for saturday, we are unable to attend the meeting.

Sorry,
Rick
by rick2427
Thu Dec 27, 2018 12:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18794
Views: 2627223

Re: U.S. stocks in free fall

Today may have been a short covering rally...only time will tell if we are out of the woods.
by rick2427
Sun Dec 23, 2018 11:46 pm
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 13065

Re: My Christmas Present To You

Mr. Larimore, thank you for your service to our nation and also to the Bogleheads!
Merry Christmas and a very Happy, Healthy and Prosperous 2019 to you and your family!

God Bless!!
by rick2427
Sun Dec 23, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18794
Views: 2627223

Re: U.S. stocks in free fall

Unread post by cashboy » Sat Dec 22, 2018 5:03 pm great thread. In times of volatility like this I want to point out my personal appreciation for the famous Sheepdog thread that was full of ideas (and support for/from fellow investors). For example, as a result of that thread I now have 3+ years of...
by rick2427
Mon Dec 10, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 3136

Re: Who is buying SCV, EM, Intl SC

bought EM 6%
SV 6%
MV 8%
by rick2427
Tue Nov 27, 2018 12:07 am
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 129
Views: 27445

Re: St Louis Bogleheads

I live approx. 90 minutes away , will try to attend with wife weather permitting.

Thanks,
Rick
by rick2427
Fri Oct 26, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: any recommendations for vacation stay in Punta Cana
Replies: 15
Views: 1519

Re: any recommendations for vacation stay in Punta Cana

We stayed at Sheraton Four Points during our recent visit last month to Punta Cana. The hotel is located less than a mile from the airport. It has a shuttle that will pick you up and drop you from airport , Shopping mall (1 mile) and also drive you to beaches (Westin resort), golf course. The hotel ...
by rick2427
Thu Oct 18, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2829

Re: flat for the year

Russell 2000 index is in correction territory <10.40>% as of today
by rick2427
Thu Sep 13, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: 2005 honda accord door problems
Replies: 30
Views: 1277

Re: 2005 honda accord door problems

I would suggest selling this car and buying a new(er) car.
by rick2427
Fri Aug 31, 2018 3:55 pm
Forum: Personal Investments
Topic: Transfer US dollars to a country with 7% CD rates
Replies: 30
Views: 3625

Re: Transfer US dollars to a country with 7% CD rates

I traveled to India in December, 2017. $1 was getting me 65 INR. INR devalued by over 7% in less than a year. Do I want to invest in INR?

I don't think so if I believe INR won't hold its value compared to USD.

Namaste!
by rick2427
Wed Aug 22, 2018 11:16 pm
Forum: Personal Investments
Topic: Moving real estate investment with 1031 exchange (NNN properties, etc.)".
Replies: 4
Views: 572

Re: Moving real estate investment with 1031 exchange (NNN properties, etc.)".

After much consideration about doing a 1031 exchange into a NNN property and also after investigating DST investments available, I decided to pay the capital gain tax and tax on depreciation recapture. It is a big relief that I control all the capital and not some unknown 3rd party (DST's) or a nati...
by rick2427
Thu Jul 19, 2018 9:36 pm
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 129
Views: 27445

Re: St Louis Bogleheads

I live in Columbia, Mo and would like to attend the next meeting wherever it may be.

Thanks,
Rick
by rick2427
Fri Jul 13, 2018 11:41 pm
Forum: Personal Investments
Topic: 1031 exchange into DST or pay taxes to pay down debt?
Replies: 3
Views: 468

Re: 1031 exchange into DST or pay taxes to pay down debt?

DST are illiquid, very high fee loaded products with lots of uncertainty......If I were you, I would pay the taxes and pay off my debt.

Cheers,
Rick
by rick2427
Sun Jul 08, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 20800

Re: Morningstar: prepare for a lost decade for U.S. stocks

I thought we already had a lost decade in US markets from 2000-2009. :(
by rick2427
Sun Jun 03, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526449

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

+1.68% YTD 70/22/8 (stock/Bond/Cash)
by rick2427
Sat Apr 07, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is Stock Market the only source of income in retirement ?
Replies: 21
Views: 3201

Re: Is Stock Market the only source of income in retirement ?

We are both 58 years old, retired in 2017.
Depending on income from our 65/30/5 portfolio, NO Pension, NO Annuity.
will claim SS at 70 which will cover our fixed expenses.

Thanks,
Rick
by rick2427
Tue Mar 13, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Selling business (website) considerations
Replies: 27
Views: 3069

Re: Selling business (website) considerations

Congratulations OP!
Getting a good lawyer experienced in M&A is very important.
Do share your experience going forward.

Good Luck. :)
Rick
by rick2427
Wed Feb 21, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Commercial Investing via 1031 Exchange or not
Replies: 2
Views: 408

Re: Commercial Investing via 1031 Exchange or not

Too many variables in DST's and TIC plus total lack of control over investment decisions. These are good products for their sponsors/managers but not for fractional investors. NNN properties can be good if you can perform due diligence prior to purchase, however the 45 day/180day limits are too stri...
by rick2427
Fri Feb 09, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Bond funds and stock funds, which one is riskier?
Replies: 50
Views: 5049

Re: Bond funds and stock funds, which one is riskier?

venkman wrote:
Sun Sep 24, 2017 10:48 pm
flyingaway wrote:
Sun Sep 24, 2017 8:07 am

What it boils down to is that rising interest rates could be bad news for current bondholders, but could be worse news for current stockholders.
Took a10%+ corrections and fear of rising interest rates for me to understand this statement of yours Venkman!
:happy
by rick2427
Thu Feb 08, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18794
Views: 2627223

Re: U.S. stocks in freefall

We are now officially in a "Correction" in S&P 500. <10.1%>
and also in DJIA <10.3%>

Only NASD remains above the correction territory at <8.96%>
by rick2427
Thu Feb 08, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18794
Views: 2627223

Re: U.S. stocks in freefall

We retired in June, 2017 and am so glad we changed AA from 90/10 to 60/32/8.
Just watching the market drop.....glad to have 3 years' living expenses in cash.
Will rebalance by selling bonds and buying stocks when the rebalance bands are breached.
Cheers. :sharebeer
by rick2427
Sun Oct 22, 2017 12:08 pm
Forum: US Chapters
Topic: Thank you Jack, Taylor and Mel!!
Replies: 27
Views: 4488

Re: Thank you Jack, Taylor and Mel!!

Thank you so much to all the organizers of this year's Bogleheads Conference
It was an awesome experience to meet other Bogleheads, Boglehead leadership and the living legend Mr. Jack Bogle himself

As Mr. Bogle said "Profitable investing should be like watching the grass grow"!

Regards,
Rick
by rick2427
Sun Oct 22, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 37309

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Thank you so much to all the organizers of this year's Bogleheads Conference :!: It was an awesome experience to meet other Bogleheads, Boglehead leadership and the living legend Mr. Jack Bogle himself :happy As Mr. Bogle said "Profitable investing should be like watching the grass grow"! Regards, R...
by rick2427
Thu Sep 21, 2017 12:49 pm
Forum: Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 31357

Re: I won the Lottery. Need sound advice.

Congratulations on winning the lottery.

You have been given an excellent opportunity to put your financial house in order. Hopefully you will follow the good advice on BH and share yiour success with us soon.

Best Wishes,
Rick
by rick2427
Sat Sep 16, 2017 9:28 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 53
Views: 17079

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

Could Mr. Bogle or any other panelist please comment on the differences and benefits of investing in different kinds of Index funds viz:

Cap Weighted Index Funds
Fundamental Weighted Index Funds.
Equal Weighted Index Funds.

Thank you,
Rick
by rick2427
Thu Aug 17, 2017 10:36 pm
Forum: Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 21872

Re: Lost $7000 today in ONE DAY!

My portfolio went down <0.6%> today (AA=50/30/20) where as S&P500 went down <1.54%> ..... I don't feel bad.
If I look at how much my portfolio went down .....ooops I feel like throwing up.

So I only look at percentage change Up or down Vs the market. Helps me keep things in perspective.

Cheers.
by rick2427
Sat Jul 29, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 8574

Re: TSA Pre-check for free

I don't fly much but in June when I traveled on American Airlines from STL to LGA with my son (28) and daughter(22), who both fly more often than I, we all got TSA Pre Check.
by rick2427
Thu Jul 13, 2017 8:54 pm
Forum: Personal Investments
Topic: Advice for Asian Indian friend on parking 100k
Replies: 14
Views: 2110

Re: Advice for Asian Indian friend on parking 100k

NRE account is repatriable to US dollars, and there is no tax on the Indian side for any earnings. But, the account is held in Indian rupees - so, there's the exchange from $ to Rs going in, exposure to currency fluctuation & devaluation during the term, and exchange from Rs to $ when the money is ...
by rick2427
Tue Jul 04, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Commercial Office Building with 12 Tenants
Replies: 19
Views: 2870

Re: Commercial Office Building with 12 Tenants

Seems like a good deal at 10% CAP rate and worth investigating further.
Location of the property?
Economic prospects of the city?
Quality and credit of the tenants?
Ease of renting if one tenant vacates?
Age of the building? Any capital expense needed right away?

Good Luck!
Rick
by rick2427
Sun Jul 02, 2017 10:10 pm
Forum: Personal Investments
Topic: How to manage lump sum from real estate sale
Replies: 18
Views: 3656

Re: How to manage lump sum from real estate sale

We closed on June 15, 2017. To pay estimated taxes in 2017 and pay the big tax bill in April 2018 we decided to park $700k in Vanguard Limited Term Tax Exempt Bond fund. $150K split into cash and 6 month CD for living expenses thru 2018 $500 invested in Vanguard Intermediate Tax Exempt Bond Funds Fu...
by rick2427
Thu Jun 08, 2017 11:32 pm
Forum: Personal Investments
Topic: How to manage lump sum from real estate sale
Replies: 18
Views: 3656

Re: How to manage lump sum from real estate sale

ORIF: Sounds like a sensible plan! I must thank you for sharing your plan-- it really helped me to think rationally because I'm in a similar situation viz: selling real estate/business this month to retire. I think I'll open the Fidelity accounts like you as well and park the funds in CD's until all...
by rick2427
Mon Jun 05, 2017 10:09 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2017!
Replies: 328
Views: 77780

Re: Roll Call for the Retirement Class of 2017!

Mirriam 2 said Congratulations! It must be exciting to sell a business (or maybe a relief ) Moving into retirement is scary, but a nice scary. You have the open road ahead of you and the wind at your back. Since you owned a business, you may be familiar with t-a-x-e-s Here is a suggestion from forum...
by rick2427
Sat May 27, 2017 9:47 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2017!
Replies: 328
Views: 77780

Re: Roll Call for the Retirement Class of 2017!

My wife and I are selling our business on June 15, 2017!
Retiring at age 57......really have no clue what we will do with all the free time.
It is really scary :wink:
by rick2427
Mon May 22, 2017 1:18 pm
Forum: Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1729

Re: Boglehead Approved Delaware Statutory Trust?

So, DST or Rental? And, if DST, what is the right way to analyze these investments from a Boglehead PoV?
Hi Rolyatroba,

what did you end up doing?
I'm in a similar situation that you were in 2 years ago and am curious how it worked out for you?

Thanks,
Rick
by rick2427
Wed May 17, 2017 7:23 pm
Forum: Personal Investments
Topic: 1031 Exchange or taxable account?
Replies: 6
Views: 1260

Re: 1031 Exchange or taxable account?

OP: You are young with many years ahead of you. If you do decide to do a 1031 exchange, I suggest you hold it long term and continue to do 1031 exchange each time you sell and consider this investment as a legacy for your kids/grandkids because they can get it with a stepped up basis when you pass. ...