Search found 10971 matches

by HomerJ
Mon Jun 18, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

Here you go. http://time.com/money/4885699/august-september-worst-month-stock-market/ Indeed, since the end of World War II, the S&P 500 index of blue-chip U.S. stocks has averaged losses in only three months of the year: February, August, and September. And over time, August and September have bee...
by HomerJ
Mon Jun 18, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

Here you go. http://time.com/money/4885699/august-september-worst-month-stock-market/ Indeed, since the end of World War II, the S&P 500 index of blue-chip U.S. stocks has averaged losses in only three months of the year: February, August, and September. And over time, August and September have been...
by HomerJ
Mon Jun 18, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Price Manipulation
Replies: 42
Views: 4592

Re: Bitcoin Price Manipulation

If bitcoin was dead, we would not see Goldman Sachs starting trading desks.. Sure you would. They're the same geniuses that bet on subprime mortgages. They're willing to play as long as they think there are suckers out there willing to take it off their hands. This. If Goldman Sachs was buying and ...
by HomerJ
Mon Jun 18, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Price Manipulation
Replies: 42
Views: 4592

Re: Bitcoin Price Manipulation

I agree with you that bitcoin today has been highly volatile and certainly does not meet that definition *today* but as long as the network survives(HUGE IF) and the 1% scenario plays out it will approach that definition better than any other money in human history. I should have said 'if the exper...
by HomerJ
Mon Jun 18, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 46
Views: 2385

Re: Tracking spending before retirement useful for estimating retirement expenses?

But, I would think for a lot of early retirees that are "retiring to something" rather than to simply stop working, the activities and living situation might change, sometimes drastically. It certainly is for us. We view this as completely new phase of life. If we weren't doing that, I might have c...
by HomerJ
Mon Jun 18, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 46
Views: 2385

Re: Tracking spending before retirement useful for estimating retirement expenses?

I guess many of us aren't wildly changing our financial lives. If I had the money to triple my housing expenditure in retirement, I would have retired 5 years earlier instead. Sounds like you just decided to work until your kids were done with school, and discovered you had a ton more money than you...
by HomerJ
Mon Jun 18, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 46
Views: 2385

Re: Tracking spending before retirement useful for estimating retirement expenses?

In a couple recent thread: Long time retirees: how much do you really need? ( https://www.bogleheads.org/forum/viewtopic.php?f=2&t=251838 ) How much money do you want to retire? ( https://www.bogleheads.org/forum/viewtopic.php?f=2&t=224799 ) A number of people suggested tracking expenses a few year...
by HomerJ
Mon Jun 18, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 76
Views: 5688

Re: Very confused with the current market

I remember Warren buffet once said: buy the dips and value investing. the stock market always go higher due to inflation in the long term, however, should not we buy the dips? Are those crazy tech stocks still value investing ? I am expecting the dips. Warren Buffet didn't say "Anticipate the dips ...
by HomerJ
Mon Jun 18, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1095
Views: 267813

Re: Best watch for around $5,000?

For my 50th, I wanted a $5,000 Rolex, but instead I bought a $35 a Timex Easy Reader Day Date, with the remaining $4,965 invested. :beer You beat me to this response. But oldzey paid up for a "premium" Timex. I got mine for $30, leaving $4,970 invested. Timex keeps perfect time - and if I lose it a...
by HomerJ
Sun Jun 17, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9051

Re: Timeshare ever worth it? Please share details

I agree that a hotel, VRBO, AirBNB, condo, can't come close to comparing in experience. Renting a timeshare condo comes pretty close to comparing in experience to a timeshare condo... :) I can't speak to timeshare condos because I've never been in those and my friends own shares in properties that ...
by HomerJ
Sun Jun 17, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9051

Re: Timeshare ever worth it? Please share details

2015 wrote:
Sun Jun 17, 2018 12:27 pm
I agree that a hotel, VRBO, AirBNB, condo, can't come close to comparing in experience.
Renting a timeshare condo comes pretty close to comparing in experience to a timeshare condo... :)
by HomerJ
Sun Jun 17, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

The desire to achieve average annualized returns of 30-40% would elevate you to the greatest investors of all time Another pointless "bashing" post. Let's let him post or not post his moves. Doesn't seem like pointless bashing to me. md&pharmacist appears to be unaware of that information. Won't af...
by HomerJ
Sat Jun 16, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

Let me know what details. I've posted my holdings..., relative positions and shares, performance statistics... You have not posted your performance, though many have asked. You’ve posted performance of the funds you hold, which is meaningless. md&pharmacist, To be able to review your personal perfo...
by HomerJ
Sat Jun 16, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 50224

Re: How much money do you want to retire?

Most of the discussion on this thread assumes that people save while working until they hit their “magic number” then they retire. This may describe the process for many or even most people, but there are many people who retire at times not within their control. Their savings would not likely be at...
by HomerJ
Fri Jun 15, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Fund college tuition through 529 plan or Indexed Universal Life (IUL)
Replies: 32
Views: 1457

Re: Fund college tuition through 529 plan or Indexed Universal Life (IUL)

Is it a good argument not to fund 529 plan because it will reduce the chance to get financial aid for a family with annual income above $200,000? You are never going to get financial aid if your annual income is above $200,000. Is IUL a good investment option to fund college tuition? Absolutely not...
by HomerJ
Fri Jun 15, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

If I retired tomorrow, my entire retirement portfolio is $10M plus SS. That's a 10:1 ratio (a little less because we earn more) of actual funds available for me to retire, to income. From everything I have read, that's a better ratio of savings to income in one's mid 40's than is generally recommen...
by HomerJ
Fri Jun 15, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9051

Re: Timeshare ever worth it? Please share details

I have a Disney timeshare that I bought when my oldest daughter was a baby when I received a small inheritance when my mom and dad died. I bought it thinking that my mom and dad would be happy to know that they bought their granddaughter, who they never met, Disney vacations for her to enjoy during...
by HomerJ
Thu Jun 14, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

Several of my funds have at some point had 1 year returns in excess of 70-100% in strong years, including 2017. "At some point" really doesn't mean anything. Did you sell at that one point? Looking at a 1-year chart of UGPIX (Leveraged China fund), I see that was indeed up 73% "at one point" Two we...
by HomerJ
Thu Jun 14, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

Note I'm still willing to see how you do going forward. Just understand that what you have done so far is nothing special. Quit bragging, and let's see what your next hundred hours of "research" turns up. Remember, Warren Buffet had a ten-year bet with a hedge-fund manager that the plain index fund ...
by HomerJ
Thu Jun 14, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

I'm not 50% cash. But, with 50% cash, a 1 year return of 13.7% in this under-performing market! Your basic vanilla index fund that you own and listed above beats that VFIAX (Vanguard 500 Admiral) has a 1 year return of 14.35% You keep saying "under-performing" market, but a 1-year return of 14.35% ...
by HomerJ
Thu Jun 14, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Price Manipulation
Replies: 42
Views: 4592

Re: Bitcoin Price Manipulation

There is certainly a market for secure, purely digital payment methods, and Bitcoin was developed with that in mind from the beginning. Who can say if Bitcoin ever ends up fulfilling that role. The odds are probably against it, but if it happens, every household in the world is going to need to hav...
by HomerJ
Thu Jun 14, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: What To Do About 2001 Honda Odyssey With No AIr
Replies: 16
Views: 1322

Re: What To Do About 2001 Honda Odyssey With No AIr

Move to Canada. Problem solved.
by HomerJ
Thu Jun 14, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9051

Re: Timeshare ever worth it? Please share details

To the people who are negative about timeshares have you ever stayed in one? As others have said having a living room, kitchen and separate room for the kids makes it an actual VACATION! No comparison to a hotel room. Not even in the same universe. The advantage compared to renting somebody's house...
by HomerJ
Thu Jun 14, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9051

Re: Timeshare ever worth it? Please share details

I could never understand how these could in any way be a better deal or otherwise more favorable than just renting a hotel room for a week in the location you want to vacation at. There is a huge quality of life difference between time-share apartments and hotel rooms. Most time-shares are full apa...
by HomerJ
Thu Jun 14, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7101

Re: Tesla Autopilot, worth it?

Can we get a moderator to request cut down by Tesla shorts to troll the topic? Trolling is an art and some of you need to learn it so that you can do it with a finesse. Frankly, the way being done here is too obvious and irritating. Not too much joy in Tesla shortville this week. But agree that thi...
by HomerJ
Thu Jun 14, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 32
Views: 2216

Re: Role of Annuity For Savers Who have 20+ years until Retirement

Out of curiosity, I do hope someone familiar with this type of product responds. Just last week, a co-worker talked about a Met Life annuity that he was considering. He cited an 8% guarantee for 6 years and no surrender charge at that point. While I was sure Met Life was not giving guaranteed money...
by HomerJ
Wed Jun 13, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84299

Re: To take or not to take delivery of Tesla 3

Travelgeek, at one time we talked about Supercharge options between Bend & Boise. It looks like Tesla just updated its map of "coming soon" superchargers. I was impressed to see one coming to Burns, Madras and Ontario. And in the general vicinity, there is one coming to Mountain Home, ID and Newell...
by HomerJ
Wed Jun 13, 2018 1:38 am
Forum: Investing - Theory, News & General
Topic: You Can Market Time At Valuation Extremes
Replies: 31
Views: 3478

Re: You Can Market Time At Valuation Extremes

The problem is that what is considered "extreme" has changed over the years... Really? Humans, in seemingly all countries where records are available, seem to have demanded 5+% as real return on capital for the past 300 years. If you believe that we are not going to get that in the present environm...
by HomerJ
Wed Jun 13, 2018 1:23 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

Homer, Genius is still name calling! Since I no longer want to pick my own stocks and want to attain out-sized fund returns, I have also been called naive in this same string! So if you all still want to call me names, I think the most accurate is confused! :? Besides if you keep calling me "not a ...
by HomerJ
Tue Jun 12, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

Folks, while skepticism is healthy, outright hostility is not. OP has made a claim, and offered to provide data to test his claim. OP, we don't need detailed transaction history. It would be a lot simpler, and you wouldn't have to reveal too much personal data, if you started with a test portfolio....
by HomerJ
Tue Jun 12, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: You Can Market Time At Valuation Extremes
Replies: 31
Views: 3478

Re: You Can Market Time At Valuation Extremes

The problem is that what is considered "extreme" has changed over the years...
by HomerJ
Tue Jun 12, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

jacoavlu wrote:
Tue Jun 12, 2018 8:08 am
I suggest you download a few years worth of past transactions and post them to a google doc. It wouldn’t take any longer than it’s taken you to type some replies. At least we’ll have some concrete stuff to talk about. Otherwise this is just a bunch of fluff.
Again, no.
by HomerJ
Tue Jun 12, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

So my current holdings are with returns as of 6/11/2018): This list is meaningless without the portion each holds in your portfolio. See earlier comments regarding the ability to construct an XIRR out of your initial portfolio + detailed trades. Thanks for your feedback and civil discourse, moderat...
by HomerJ
Tue Jun 12, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 184
Views: 10911

Re: MD&P just purchased X / sold Y [md&pharmacist]

jacoavlu wrote:
Mon Jun 11, 2018 11:33 pm
What did you sell to purchase OPGIX? (It surprises me that I have to ask.)

And what was your last trade before that?
Quit asking questions like this. He can make up anything he wants. Let's just see how he does going forward.
by HomerJ
Mon Jun 11, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 177
Views: 14529

Re: Life in retirement - what did you do today?

CULater wrote:
Mon Jun 11, 2018 9:52 am
Retirement is a bore
Heh, you're doing it wrong.
by HomerJ
Sun Jun 10, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 104
Views: 12701

Re: Retire at 55, what's the magic number

Again, way too much emphasis on the “multiple” and way too little on spending flexibility. I could easily take my multiple to say 60x by cutting my spending which is quite high currently. If you can build say a 40% flex into your spending plan, you should be able to live with a multiple of say 25x ...
by HomerJ
Sun Jun 10, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advice for an overwhelmed person
Replies: 76
Views: 5993

Re: Is Bogleheads not right for me? Trying to generate monthly income before retirement

To answer your main question, it's a matter of maintaining a larger amount of capital to generate higher returns via investments. $750k invested will make more than $350k invested obviously, the question is...over a 5 year period, could the payout from a larger principal amount invested allow me to...
by HomerJ
Sat Jun 09, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11033

Re: Are you including SS in your planning model? Are the benefits really that high?

I have not used social security in any retirement planing model since I began modeling back in my 20s. Just today I tried an SSA calculator to estimate my benefits. I told it I would stop earning at 54 and entered my yearly earnings up to this year. I'm 44. The result was a monthly benefit of $1600...
by HomerJ
Fri Jun 08, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84299

Re: To take or not to take delivery of Tesla 3

jdb wrote:
Fri Jun 08, 2018 12:54 pm
And to blame the autopilot for clear human error is not right in my opinion.
NAMING it "Auto-pilot" is not right in my opinion either and part of the problem.
by HomerJ
Fri Jun 08, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 9964

Re: Why do we work?

I worked so I could enjoy my two favorite things..... living indoors and eating. I saw a documentary a few years back when a 70-year old guy was talking about his dad who worked in a hat factory back in the 50s and 60s. He remembers asking his Dad as a teenager, in that annoying teenager negative w...
by HomerJ
Fri Jun 08, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84299

Re: To take or not to take delivery of Tesla 3

I don't think this is just a limitation of Tesla's AutoPilot, but that is the system I am familiar with and will focus on that. One (major) limitation in AutoPilot (and potentially all driver assist systems on the market today) is that they do not deal with stationary, unmoving objections very well...
by HomerJ
Fri Jun 08, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 17853

Re: Don’t cheat yourself with the 4% rule

Early Retire Now recently had a post discussing how a 4% withdrawal rate would have worked for 30 year retirements in every instance of American history examined with only two exceptions: 1929 and 1966 retirees. Did it fail only for people who retired only in those specific years, or for a range of...
by HomerJ
Fri Jun 08, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 17853

Re: Don’t cheat yourself with the 4% rule

The thought of "just 10 more years" so I can achieve a ridiculously low spending rate as a percentage of wealth seems like an especially pointless exercise. I have far better things to do with my remaining and completely unknown number of years on this earth than undertake that project, and even at...
by HomerJ
Fri Jun 08, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 46
Views: 4008

Re: Larry Swedroe: What If Your Plan Fails?

SPIAs are an option if I find myself 15 years into my retirement with a declining portfolio. The problem here is that it's kind too late to buy a SPIA after the market has done very poorly and your pot of money has shrunk dramatically. Depends on when you retire... If you retire at 45-50, SPIA at 6...
by HomerJ
Thu Jun 07, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 17853

Re: Don’t cheat yourself with the 4% rule

Choosing to use a 2.5 WR has VERY REAL CONSEQUENCES. The utility of money is that it buys you time, and conversely, more money costs you more time. Most people here who use 2%-2.5% WR are not making sacrifices. They are just really really rich (and should be commended for keeping their expenses rea...
by HomerJ
Thu Jun 07, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 46
Views: 4008

Re: Larry Swedroe: What If Your Plan Fails?

My point was that a doomsday scenario by definition has no lower limit. Unfortunately when we talk about what if your plan fails, we fail to account for failing worse than what your had allowed for failure scenario (yah, try to parse that one!). Your "get a job at Home Depot" option is NOT guarante...
by HomerJ
Thu Jun 07, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 46
Views: 4008

Re: Larry Swedroe: What If Your Plan Fails?

I have never really understood this part. Is Larry saying it is easier to retire *after* the market has crashed and taken 50% hit? Or is he saying that if that is the case, then they would NOT have retired in the first place? Please explain to me how high stock market is a "bad" thing when it comes...
by HomerJ
Thu Jun 07, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What If Your Plan Fails?
Replies: 46
Views: 4008

Re: Larry Swedroe: What If Your Plan Fails?

I’m a big fan of MCS. I'm not a fan at all, but then maybe I don't understand it... Isn't Monte Carlo purely random? Yet markets in the real world very rarely appear purely random. Last year's returns do seem to have some effect on the following years... But of course there is no good understanding...
by HomerJ
Thu Jun 07, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 50224

Re: How much money do you want to retire?

A typical suburban house with 2500 sqft and 4 bedrooms will have taxes around $12K in Bostom Metrowest area *WITH* good school system. I live about 40 miles from Boston and my taxes for that house are over $13K. The assessed price is around $700K. My RE portion had been always higher than PI since ...