Search found 907 matches

by DesertDiva
Wed Apr 01, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6721

Re: What's worth paying more for?

Tires, mattresses, shoes. Anything that goes beneath me.
by DesertDiva
Tue Mar 31, 2020 11:53 pm
Forum: Investing - Theory, News & General
Topic: CNBC: Investors Should Be Buying Individual Stocks, Not Indexes
Replies: 84
Views: 7807

Re: CNBC: Investors Should Be Buying Individual Stocks, Not Indexes

There are some great deals out there right now. Some stocks of great companies are on-sale by 30, 40, and even 50% for no reason other than the Coronavirus. The belief that the individual investor will know which ones have dropped for “no reason other than the Coronavirus” (whatever that means), an...
by DesertDiva
Fri Mar 27, 2020 1:42 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55986

Re: How Is Your Job Being Impacted By The Current Crisis?

IT Analyst for a large healthcare system. Working from home. Busier than busy :?
by DesertDiva
Fri Mar 27, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2905

Re: How to avoid temptation of Stock Picking during market crash

yangtui wrote: Fri Mar 27, 2020 1:21 pm My IPS forbids me from buying individual stocks ...
+1 :sharebeer
by DesertDiva
Wed Mar 18, 2020 10:51 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30166

Re: How much you lost/gain since Feb 20,2020 ?

BlueRidgePro wrote: Thu Mar 12, 2020 7:25 am Nothing lost or gained. I haven't traded. Sitting on my positions.
+1 :sharebeer
by DesertDiva
Sun Mar 15, 2020 10:43 pm
Forum: Forum Issues and Administration
Topic: Number Of Posts By A Single Member In One Day
Replies: 17
Views: 2302

Re: Number Of Posts By A Single Member In One Day

VictoriaF wrote: Sun Mar 15, 2020 10:04 pm
ionball wrote: Sun Mar 15, 2020 8:09 pm It's probably a bot or a retired person with nothing better to do.
Or the Russians have moved from Facebook to Bogleheads.

Victoria
I’ve thought the same thing. :?
by DesertDiva
Sat Mar 14, 2020 11:56 pm
Forum: Personal Consumer Issues
Topic: Anyone taking advantage of extremely cheap flights?
Replies: 33
Views: 3002

Re: Anyone taking advantage of extremely cheap flights?

What if you fly to your destination and become stranded due to updated travel restrictions?
by DesertDiva
Thu Mar 12, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: My Solution
Replies: 20
Views: 1269

Re: My Solution

:sharebeer
by DesertDiva
Wed Mar 11, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: Any 50+ year olds buying?
Replies: 53
Views: 3917

Re: Any 50+ year olds buying?

I wrote my IPS with the expectation that markets would either go up or down. Therefore, I'm not doing anything differently than I've been doing.
by DesertDiva
Wed Mar 11, 2020 12:08 pm
Forum: Personal Investments
Topic: Would you buy oil stock at this time?
Replies: 24
Views: 1467

Re: Would you buy oil stock at this time?

Have you considered the Bogleheads style of investing?

Here's a good place to learn more: https://www.bogleheads.org/wiki/Getting_started
by DesertDiva
Wed Mar 11, 2020 12:02 pm
Forum: Investing - Theory, News & General
Topic: Best Portfolio for coronavirus times
Replies: 14
Views: 1486

Re: Best Portfolio for coronavirus times

The best portfolio for these “uncertain times” is the portfolio that you wrote into your IPS before the start of the “uncertain times”. Portfolio revisions done during times of emotional stress seldom benefit the owner. DON'T EVOLVE! DON'T ADAPT! DON'T CHANGE YOUR OPINION DUE TO NEW INFORMATION! BE...
by DesertDiva
Wed Mar 11, 2020 7:18 am
Forum: Personal Investments
Topic: First time considering buying a single stock. ugh
Replies: 21
Views: 2018

Re: First time considering buying a single stock. ugh

Do you have an IPS? Do you know what your goals are?
by DesertDiva
Tue Mar 10, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 7263

Re: Coronavirus Movie Suggestions

Irisheyes wrote: Tue Mar 10, 2020 8:33 pm Saturday Night Fever?

(ah, ah, ah ah, Staying alive, staying alive) :)
Groaning... :mrgreen:
by DesertDiva
Tue Mar 10, 2020 5:24 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Reacts to Stock Market Crash
Replies: 93
Views: 15297

Re: Dave Ramsey Reacts to Stock Market Crash

What?! When did the stock market crash?? :shock:
by DesertDiva
Mon Mar 09, 2020 12:02 pm
Forum: Personal Investments
Topic: Who are getting excited with the plummeting market?
Replies: 100
Views: 10186

Re: Who are getting excited with the plummeting market?

bo105954027 wrote: Mon Mar 09, 2020 11:32 am Buy the fear, sell the greedy! :twisted:
How about "Stay the Course"? :idea:
by DesertDiva
Mon Mar 09, 2020 10:16 am
Forum: Personal Investments
Topic: Good day to buy?!
Replies: 31
Views: 3633

Re: Good day to buy?!

Mode32 wrote: Mon Mar 09, 2020 10:15 amLearning from this forum, I'm also not a fan of market timing, but...
:oops: :oops: :oops:
by DesertDiva
Mon Mar 09, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Colleague is Day Trading
Replies: 43
Views: 4274

Re: Colleague is Day Trading

Wish him well in his future endeavors :oops:
by DesertDiva
Mon Mar 09, 2020 9:41 am
Forum: Personal Investments
Topic: Selling and reinvesting during downturn?
Replies: 7
Views: 798

Re: Selling and reinvesting during downturn?

This is an IRA - I assume you don’t need the money for a decade or more, correct? Why lock in a loss now?
by DesertDiva
Sun Mar 08, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3154

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

I would mail it from a physical post office as opposed to sending it from home or another offsite location. As I see it, that reduces the likelihood that the envelope will get lost. Mailing options aren’t as important IMHO. E-filing is best, but if you prefer to snail mail, another vote for mailing...
by DesertDiva
Sun Mar 08, 2020 10:00 am
Forum: Personal Finance (Not Investing)
Topic: What USPS “Snail Mail” Option Do You Recommend for Tax Return?
Replies: 57
Views: 3154

Re: What USPS “Snail Mail” Option Do You Recommend for Tax Return?

I would mail it from a physical post office as opposed to sending it from home or another offsite location. As I see it, that reduces the likelihood that the envelope will get lost. Mailing options aren’t as important IMHO.
by DesertDiva
Fri Mar 06, 2020 6:14 pm
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 10077

Re: Parents retiring with $500k saved - Things look OK?

Do they live in a 1- or 2-story house? Will the house be appropriate for their needs as they age? It may be easier for them to adjust to a move now versus 10 years down the road.
by DesertDiva
Fri Mar 06, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Retirement in AZ-suggestions please
Replies: 104
Views: 7383

Re: Retirement in AZ-suggestions please

Just checked Sedona. Megabucks for houses. Reasonable for condo but with 2 mini dachshunds, I need a house. Tuscon is too hot for me. I was there first week of March 2019 and it was already hot in the daytime. Will add Flagstaff to the search. Flagstaff versus Prescott? Would like to be close to a ...
by DesertDiva
Fri Mar 06, 2020 1:19 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197845

Re: Coronavirus and the market

Can't believe some still call this a media conspiracy, some still compare CoronaVirus to flu. :oops: Anyone has paid a little attention to China and South Korea news would see those countries have taken measures they've never taken before. Microsoft, Amazon, Facebook, Google all asked their Seattle...
by DesertDiva
Fri Mar 06, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: How is this possible? Is Alexa spying on me?
Replies: 110
Views: 8227

Re: How is this possible? Is Alexa spying on me?

Bezos: “Alexa. Buy me something from Whole Foods” Alexa: “ok, buying Whole Foods” Bezos: :shock: LOL! This one made my day. I only wish I could take credit for it. If you want to see something absolutely hilarious about Alexa, you must see this SNL skit: https://www.youtube.com/watch?v=YvT_gqs5ETk ...
by DesertDiva
Fri Mar 06, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: How is this possible? Is Alexa spying on me?
Replies: 110
Views: 8227

Re: How is this possible? Is Alexa spying on me?

Bezos: “Alexa. Buy me something from Whole Foods”

Alexa: “ok, buying Whole Foods”

Bezos: :shock:
by DesertDiva
Thu Mar 05, 2020 7:01 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197845

Re: Coronavirus and the market

The WHO has increased its estimate of the case fatality rate from 2% to 3.4%. https://www.worldometers.info/coronavirus/coronavirus-death-rate/#who-03-03-20 Apologies if this is repetitious. I was just about to post something similar based on updated information found at: https://www.arcgis.com/app...
by DesertDiva
Thu Mar 05, 2020 6:28 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4029
Views: 313114

Re: Coronavirus and the market

Can't believe some still call this a media conspiracy, some still compare CoronaVirus to flu. :oops: Anyone has paid a little attention to China and South Korea news would see those countries have taken measures they've never taken before. Microsoft, Amazon, Facebook, Google all asked their Seattle...
by DesertDiva
Thu Mar 05, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: Be fearful when others are greedy. Be greedy when others are fearful.
Replies: 129
Views: 9299

Re: Be fearful when others are greedy. Be greedy when others are fearful.

... so sayeth Warren Buffett. What is everybody waiting for? Could there be a better buying opportunity than right now? People are terrified! Maybe the markets will go lower. Maybe we've already hit the bottom. Either way, sticking to an IPS eliminates market timing and the regret that often follows.
by DesertDiva
Wed Mar 04, 2020 11:47 pm
Forum: Investing - Theory, News & General
Topic: Lamenting time lost and squandered opportunities
Replies: 31
Views: 2932

Re: Lamenting time lost and squandered opportunities

Time only moves in one direction. Keep moving forward!
by DesertDiva
Wed Mar 04, 2020 12:07 pm
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 147
Views: 12375

Re: What Individual stocks are you buying?

None. Buying individual stocks is not part of my IPS.
by DesertDiva
Wed Mar 04, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Coronavirus: Why Are People Buying Water?
Replies: 61
Views: 4432

Re: Coronavirus: Why Are People Buying Water?

That's what people do when there's bad news... they buy water. :|
by DesertDiva
Mon Mar 02, 2020 5:57 pm
Forum: Investing - Theory, News & General
Topic: How Do Bogleheads Invest In Major Market Tumbles?
Replies: 36
Views: 2798

Re: How Do Bogleheads Invest In Major Market Tumbles?

corner559 wrote: Fri Feb 28, 2020 7:59 pm I invest no differently than when the market is doing well. You should have a set IPS and stick with it through thick and thin.
Here's a great place to start: https://www.bogleheads.org/wiki/Getting_started

Look for the section on crafting an IPS and read it carefully.
by DesertDiva
Mon Mar 02, 2020 2:32 pm
Forum: Personal Investments
Topic: I know I shouldn't sell but...
Replies: 79
Views: 7958

Re: I know I shouldn't sell but...

Whenever I see the word "but"...
:oops:
by DesertDiva
Mon Mar 02, 2020 2:30 pm
Forum: Investing - Theory, News & General
Topic: Time to buy! What am I missing?
Replies: 29
Views: 2229

Re: Time to buy! What am I missing?

If your allocation needs rebalancing, you want a higher stock allocation or simply want to buy cheap(er) stocks, why wouldn’t one buy now? Let’s assume your time horizon is 7 years or more, does it matter if you buy at 10% off the high, 20% or 30%? Since nobody knows nothing, and I KNOW stocks are ...
by DesertDiva
Mon Mar 02, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21812

Re: Okay, now when you do buy back in?

So you sold everything last Wednesday with S&P 500 at 3116, freaked out by the Monday and Tuesday drops and you were sure it would keep dropping. You patted yourself on the back on Thursday and Friday, as the market dropped all the way to 2956 on Friday. Hmm... but now it's heading back up today......
by DesertDiva
Mon Mar 02, 2020 11:15 am
Forum: Personal Investments
Topic: Another Edward Jones and other Financial Advisor "Lessons to Share"
Replies: 80
Views: 10103

Re: Another Edward Jones and other Financial Advisor "Lessons to Share"

I have acquaintances who joined a financial business several years ago. They are posting on social media how a colleague's wealthy client lost over $1M due to recent market activity. The colleague claims to have helped the client by taking "what's left" and rolling it into his product without tax im...
by DesertDiva
Mon Mar 02, 2020 12:58 am
Forum: Personal Investments
Topic: Airline Stocks
Replies: 9
Views: 1074

Re: Airline Stocks

I don’t buy individual stocks. It’s not part of my IPS.
#StayingTheCourse
by DesertDiva
Sun Mar 01, 2020 11:56 am
Forum: Personal Investments
Topic: Need help building a worldwide equity portfolio [longterm portfolio]
Replies: 15
Views: 711

Re: Help building a longterm portfolio worth 100k

I am 31 and im looking to invest 100k and not touch it until I retire. Looking at about 20 years to invest at least. I have opened an individual brokerage account but have trouble figuring out how to allotments of the portfolio would be. Im looking at VOO as a base. Thank you in advance! Here’s a w...
by DesertDiva
Sun Mar 01, 2020 11:53 am
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 38657

Re: Covid19 market slide: Who can guess?

milosz19 wrote: Sun Mar 01, 2020 10:50 am:oops:
I agree! #StayingTheCourse
by DesertDiva
Sat Feb 29, 2020 3:42 pm
Forum: Personal Investments
Topic: I bet the house. [Rebalanced portfolio to a 10/90 asset allocation]
Replies: 255
Views: 10190

Re: I bet the house.

Bet the house on a single pharmaceutical stock - now that’s being risk adverse!
by DesertDiva
Sat Feb 29, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 4797

Re: Are you glad to have bonds in your AA? I am.

Well, of course you'd be happy to have bonds now, but it's not clear that this would have been the better strategy over the historic bull market over the last decade. The people in 100% stocks over the last decade will handily outperform someone in 50-50 even with further market drops to go. The st...
by DesertDiva
Sat Feb 29, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 4797

Re: Are you glad to have bonds in your AA? I am.

Well, of course you'd be happy to have bonds now, but it's not clear that this would have been the better strategy over the historic bull market over the last decade. The people in 100% stocks over the last decade will handily outperform someone in 50-50 even with further market drops to go. The st...
by DesertDiva
Sat Feb 29, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Selling house- how to make it look appealing
Replies: 36
Views: 2720

Re: Selling house- how to make it look appealing

Get it as empty as possible except for the furniture. No knick-knacks on counters, magazines, etc. Clear out all the closets so they all look bigger. Get it as clean as possible. When you have an open house or people schedule a walk through, make some chocolate chip cookies and have them on the kit...
by DesertDiva
Sat Feb 29, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: How will banks profit from making 30 year fixed rate mortgages?
Replies: 38
Views: 3356

Re: How will banks profit from making 30 year fixed rate mortgages?

They rely on closing costs to make money upfront - origination fees and so on.
by DesertDiva
Sat Feb 29, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: Millionaire Next Door compared to Dave Ramsey research
Replies: 31
Views: 4232

Re: Millionaire Next Door compared to Dave Ramsey research

Thomas Stanley’s work as an academic eventually led to the writing of his first book. He obtained data from government and commercial sources. His surveys were targeted towards residents of specific areas with a known concentration of millionaires. Chris Hogan’s book claims that it “is based on the ...
by DesertDiva
Thu Feb 27, 2020 3:50 pm
Forum: Investing - Theory, News & General
Topic: who is worried and feels like selling stocks?
Replies: 254
Views: 19178

Re: who is worried and feels like selling stocks?

Redlion wrote: Thu Feb 27, 2020 3:41 pm The main philosophy on this site is to stay the course but when things get ugly people panic and sell. From the posts I have been reading there are quite a few Bogleheads that are cashing out on their stocks.
Not everyone who posts on this site is a Boglehead.
by DesertDiva
Thu Feb 27, 2020 8:01 am
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25462

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

Just to restate what I actually said in my original post, here's the specific sentence you're referring to: "I'm not asking you for your opinion (or John Bogle's opinion) on whether or not my fears are irrational." So, to be clear, I was *NOT*, and am *NOT*, asking if anyone thinks that my fears ar...