Search found 911 matches

by RRAAYY3
Tue Mar 06, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 6025

Re: Should I agree to have my driving monitored in exchange for lower rates?

I also don’t do anything illegal, so I don’t mind “big brother” knowing where my car is I think you are missing the point. This is not about doing anything illegal, this is about you voluntarily giving your insurance company detailed data on your driving habits, including braking, accelerating, ave...
by RRAAYY3
Tue Mar 06, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6564

Re: Which car, Porsche Cayenne or Volvo XC90?

The Porsche is way more fun and probably not much more expensive to repair than the Volvo and it is likely far more reliable. Volvo is not the most reliable brand and when you use both turbo and super chargers you can bet you’re going to spend a decent amount of time in the shop. The Porsche on the...
by RRAAYY3
Tue Mar 06, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6564

Re: Which car, Porsche Cayenne or Volvo XC90?

Have to get a car to replacy my jalopy. Plan on keeping the new car until it becomes a jalopy. Have been looking and looking and researching and researching and am between the following 2 finalists: - 2016 new Porsche Cayenne diesel. This had to be updated as part of the VW emissions issue (hence t...
by RRAAYY3
Tue Mar 06, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6564

Re: Which car, Porsche Cayenne or Volvo XC90?

Honda or Toyota Unless you care about impressing people with emblems. There are people who enjoy driving and care about driving dynamics. More fun than my old Audi to drive Not likely more fun than my Audi. The civic is a pleasure to drive - like, shockingly so - as I do care about “driving dynamic...
by RRAAYY3
Tue Mar 06, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 6025

Re: Should I agree to have my driving monitored in exchange for lower rates?

It’s funny, I like having it as I am a safe driver and it does make me mindful of how I brake Ultimately it’ll be better for the car too ... I don’t mind “big brother” knowing when I go to the grocery store or out to dinner Some on here sound like they are covert spies needing to stay off the grid -...
by RRAAYY3
Mon Mar 05, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6564

Re: Which car, Porsche Cayenne or Volvo XC90?

I vote for the Porsche. I've driven both and the Porsche for me was just a better driving car. Had a better feel of the road. The Volvo was nice, but it seemed to "float" through turns to me. No real feel. I like an SUV that does not have body roll when you enter a turn a little aggressively. The P...
by RRAAYY3
Mon Mar 05, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9336

Re: Thinking of getting an Apple Watch

I don't like Apple much anymore and I don't like wearing a watch. The whole smartwatch idea I like even less. I don't need a smartwatch and a smartphone. I want to disconnect and put my phone on silent most of the time anyways. You have to charge it every night and it's not very functional compared...
by RRAAYY3
Mon Mar 05, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6564

Re: Which car, Porsche Cayenne or Volvo XC90?

Honda or Toyota Unless you care about impressing people with emblems. Not buying Honda/Toyota have nothing to do with impressing people with emblems. Honda and Toyota is behind in technology such as semi autonomous driving. When I purchased a vehicle back in 2013, push button start was not offered....
by RRAAYY3
Mon Mar 05, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are you ready for Amazon checking?
Replies: 42
Views: 6476

Re: Are you ready for Amazon checking?

Amazon will pretty much own/run everything at some point
by RRAAYY3
Mon Mar 05, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6564

Re: Which car, Porsche Cayenne or Volvo XC90?

Honda or Toyota Unless you care about impressing people with emblems. Not buying Honda/Toyota have nothing to do with impressing people with emblems. Honda and Toyota is behind in technology such as semi autonomous driving. When I purchased a vehicle back in 2013, push button start was not offered....
by RRAAYY3
Mon Mar 05, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Is this a housing bubble?
Replies: 71
Views: 9575

Re: Is this a housing bubble?

all i know is i keep seeing more and more renovations / "for sale" signs every week ... not to mention the chatter of 2 girls in my office talking about buying a house as an investment ... so, if it's not a bubble yet - it sure is trending in that direction. But is this in the Bay area? Nope, I don...
by RRAAYY3
Mon Mar 05, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6564

Re: Which car, Porsche Cayenne or Volvo XC90?

Honda

or Toyota

Unless you care about impressing people with emblems.
by RRAAYY3
Mon Mar 05, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Is this a housing bubble?
Replies: 71
Views: 9575

Re: Is this a housing bubble?

all i know is i keep seeing more and more renovations / "for sale" signs every week ... not to mention the chatter of 2 girls in my office talking about buying a house as an investment ...

so, if it's not a bubble yet - it sure is trending in that direction.
by RRAAYY3
Mon Mar 05, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 6025

Re: Should I agree to have my driving monitored in exchange for lower rates?

I love the tin foil “big brother” nonsense

If you can get cheaper rates, it’s well worth a try and I find it very helpful when being mindful of how I accelerate / decelerate. It makes you a better driver

I also don’t do anything illegal, so I don’t mind “big brother” knowing where my car is
by RRAAYY3
Mon Mar 05, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 193
Views: 60163

Re: Vanguard's Wellesley Income fund is incredible

Heh...as of last close, Wellesley is my biggest loser YTD, at -2.59%. Next worst is VG Small Cap at -2.21% and then a total bond fund at -1.90%. The good news is Wellesley's dividend yield has finally popped up to 3%! A bit of recompense is nice. :D I assume this is what makes Wellesley funds “safe...
by RRAAYY3
Mon Mar 05, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: U.S. stocks in freefall

Added to the Roth IRA last week during a down day, added to the Roth IRA this week during a down day . . . and I can see that tricky smile on Miss Market's face like if she is telling me so you think you are so smart . . . Gracias por leer ~cfs~ I bought in full January 1st ... pretty much right at...
by RRAAYY3
Mon Mar 05, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bonds Bad Right Now?
Replies: 23
Views: 2856

Re: Are Bonds Bad Right Now?

Is there any reason to have money in bonds over high yield savings in this current environment? That depends on what bonds you have in mind. If by bonds you mean that part of one's holdings that are low volatility, aka not stocks, then high yield savings are bonds. So the answer is that of course t...
by RRAAYY3
Mon Mar 05, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bonds Bad Right Now?
Replies: 23
Views: 2856

Re: Are Bonds Bad Right Now?

Is there any reason to have money in bonds over high yield savings in this current environment?
by RRAAYY3
Sat Mar 03, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Fully Fund IRA before Taxable or Avg over year?
Replies: 10
Views: 750

Re: Fully Fund IRA before Taxable or Avg over year?

I max my Roth January for 2 reasons

1: Time in the market is maximized
2. I don’t have to think about it until next January
by RRAAYY3
Sat Mar 03, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: First time taxable account, what do you recommend?
Replies: 24
Views: 4199

Re: First time taxable account, what do you recommend?

CD ladder for guaranteed return

That 25K could double or be cut in half 3 years from now
by RRAAYY3
Sat Mar 03, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: A Good Fund for Taxable (Acct) 10 to 20 Year Horizon
Replies: 9
Views: 916

Re: A Good Fund for Taxable (Acct) 10 to 20 Year Horizon

Total US / International Index Funds

Tax Managed Balanced Fund also an option, depending on risk tolerance
by RRAAYY3
Sat Mar 03, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7147

Re: 25YR old with considerable amount of cash

Pay off car
Total US Market
Total Int’l Market

Admiral Shares. Done and done
by RRAAYY3
Sat Mar 03, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9336

Re: Thinking of getting an Apple Watch

Consider not wearing a watch at all. Phone shows time, computer shows time. Make life less complicated. Of course, watches are primarily jewelry in this day and age, and has been stated already in this thread, the Apple Watch does nothing that the Iphone doesn't already do with hands-free control. ...
by RRAAYY3
Sat Mar 03, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9336

Re: Thinking of getting an Apple Watch

It truly is amazing to me what people think they actually need nowadays. You know how I know my heart rate is elevated when I’m working out? I feel my heart beating. People have a pocketsized supercomputer within arms reach 24/7 and that’s still not enough There will be nothing “life changing” about...
by RRAAYY3
Sat Mar 03, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio help: Financially conservative couple looking for suggestions
Replies: 29
Views: 2691

Re: Portfolio help: Financially conservative couple looking for suggestions

Pay the mortgage off and see it as a guaranteed return Absolutely no reason to carry that debt with so much cash and hesitance to take on riskier investments I'm not sure about that. The plan as I understand from the OP is recognizing that they are overly conservative and they have arrived at an in...
by RRAAYY3
Sat Mar 03, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio help: Financially conservative couple looking for suggestions
Replies: 29
Views: 2691

Re: Portfolio help: Financially conservative couple looking for suggestions

Pay the mortgage off and see it as a guaranteed return

Absolutely no reason to carry that debt with so much cash and hesitance to take on riskier investments
by RRAAYY3
Sat Mar 03, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 4245

Re: Beginner @ 46, so much to learn.

Total US market
Total Int’l market
Cash in high yield savings
by RRAAYY3
Sat Mar 03, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11332

Re: How does one emotionally keep it together during market swings?

Is this topic about exploring what happens if the stock market doesn’t recover from a downturn before we die? If that’s the case, it seems we would have more important things to worry about. This is exactly why I choose not to worry too much It has always gone up, depressions / world wars / etc. Pe...
by RRAAYY3
Fri Mar 02, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: U.S. stocks in freefall

Added to the Roth IRA last week during a down day, added to the Roth IRA this week during a down day . . . and I can see that tricky smile on Miss Market's face like if she is telling me so you think you are so smart . . . Gracias por leer ~cfs~ I bought in full January 1st ... pretty much right at...
by RRAAYY3
Fri Mar 02, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 10656

Re: AAPL, AMZN, or GOOG?

Momus wrote:
Fri Mar 02, 2018 12:53 am
Index is already overweighted in tech... 25% in tech.
And if one goes under, that index will go ahead and do the adjustment for me

Apple is the last of the 3 I’d buy

Amazon > Google .... Apple
by RRAAYY3
Fri Mar 02, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade
Replies: 79
Views: 11071

Re: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade

This is people putting their ego at the forefront and trying to outsmart the market - applying logic and analytics is to an illogical market It’s a waste of time and money. Buy the index and worry about other things. Yes, exactly. It's not the managers' money at stake though, so what do they have t...
by RRAAYY3
Fri Mar 02, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11332

Re: How does one emotionally keep it together during market swings?

To me the only thing that does it is having a sizable cash at all times. Lot more than needed. For one: It helps me sleep better. And 2. Allows me to buy more when things go south. I've got cought naked (no cash) many times when market was down and having no cash to rely on or to buy more, was very...
by RRAAYY3
Fri Mar 02, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11332

Re: How does one emotionally keep it together during market swings?

To me the only thing that does it is having a sizable cash at all times. Lot more than needed. For one: It helps me sleep better. And 2. Allows me to buy more when things go south. I've got cought naked (no cash) many times when market was down and having no cash to rely on or to buy more, was very...
by RRAAYY3
Fri Mar 02, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade
Replies: 79
Views: 11071

Re: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade

This is people putting their ego at the forefront and trying to outsmart the market - applying logic and analytics is to an illogical market

It’s a waste of time and money. Buy the index and worry about other things.
by RRAAYY3
Fri Mar 02, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: U.S. stocks in freefall

I'm staying the course, but the colleague I mentioned above is one of the sharpest guys in our firm, thinks we will see the dow around 14,000 by 2020. 14,000 on the DOW in 2020 would effectively mean zero real return on equities over 20 years, that would have to be a record? Yep, I'm not agreeing w...
by RRAAYY3
Fri Mar 02, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 10669

Re: Should I bite the bullet and invest in this market?

I went in on Monday or Tuesday. I’m feeling sick. razor- It's hard and we have all been in your shoes. (At least those of us who have been investing for decades.) Make a plan and stick to it. The market is going to do this a lot, for as long as you're alive (and beyond). Try not to get caught up in...
by RRAAYY3
Fri Mar 02, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 10669

Re: Should I bite the bullet and invest in this market?

I feel like I am being a lot more gutless than I thought I would. Could this trade stuff be the beginning of a recession? This article is scaring the crap out of me. https://www.economist.com/blogs/buttonwood/2018/03/message-future You’re seriously freaking out about a hypothetical 2025 article ?
by RRAAYY3
Fri Mar 02, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: U.S. stocks in freefall

Have a colleague in my office (non-bogleheader) who is selling everything going to 100% cash. lol. Personally, I think this is a wise move. I'm staying the course, but the colleague I mentioned above is one of the sharpest guys in our firm, thinks we will see the dow around 14,000 by 2020. Cool - l...
by RRAAYY3
Fri Mar 02, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: U.S. stocks in freefall

We have spiraled into oblivion All the way back to the second week of February, 2018. Let’s all make time to tell our loved ones how we feel. The only thing I'm telling my loved ones is that I'm buying a little more international stock. hahaha ... (me too). Although I probably won’t tell them
by RRAAYY3
Fri Mar 02, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: Buying the latest dip

That article convinced me to dive in at the “all time high” last March And I'm guessing the article has also convinced you not to sweat that fact much at all, am I right? I chuckle to myself when I get “Down drops ____ points!” updates from CNBC. The market, according to a friend on Wall Street, is...
by RRAAYY3
Fri Mar 02, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 10669

Re: Should I bite the bullet and invest in this market?

At these levels I couldn't see commiting any new money. Best to camp out in bonds or real estate until the next big one. The great bull smoke and mirrors market was propped up with hot money and that period is coming to an end. Pretty sure global fundamentals being excellent with rates still very l...
by RRAAYY3
Fri Mar 02, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: Buying the latest dip

However, actionably, you should read about Bob. Read About Bob, The Worst Market Timer What happens if you only invested at market highs? http://awealthofcommonsense.com/2014/02/worlds-worst-market-timer/ j I enjoyed that little write-up, thank you for sharing the link. EDIT: I like it because it r...
by RRAAYY3
Fri Mar 02, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: U.S. stocks in freefall

We have spiraled into oblivion

All the way back to the second week of February, 2018. Let’s all make time to tell our loved ones how we feel.
by RRAAYY3
Fri Mar 02, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Townhouse
Replies: 36
Views: 3307

Re: House vs Condo vs Townhouse

Thank you all; Very helpful as always

Rent vs Buy still says rent needs to almost double for me to buy, but I like getting my ducks all in a row beforehand
by RRAAYY3
Fri Mar 02, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 12950

Re: Honda vs. Toyota: Which has more bang for the buck?

https://automobiles.honda.com/civic-hatchback I got this car a few months ago in silver and absolutely love it :D I want this car so bad but unfortunately can't get a manual transmission AND satellite radio in the same model :( Haven't seen any car like mine around here so it's extra special! Keep ...
by RRAAYY3
Thu Mar 01, 2018 11:58 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11332

Re: How does one emotionally keep it together during market swings?

1. Accept that the market is nonsensical BS that ultimately trends up 2. Remind yourself of #1 3. Only invest money you don’t need short term (within 3 years is my cut off) 4. Accept that the market is nonsensical BS That’s pretty much my strategy I forgot #5 ... buy more shares when everyone else ...
by RRAAYY3
Thu Mar 01, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11332

Re: How does one emotionally keep it together during market swings?

1. Accept that the market is nonsensical BS that ultimately trends up
2. Remind yourself of #1
3. Only invest money you don’t need short term (within 3 years is my cut off)
4. Accept that the market is nonsensical BS

That’s pretty much my strategy
by RRAAYY3
Thu Mar 01, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 9971

Re: Boglehead contradiction, constant asset allocation is market timing

The only people who don’t Market time are the ones you literally autoinvest every dollar and never look at their balances

Everyone else, market times in some fashion and then argues about what to call it (anything but market timing! Gasp!)

Do what psychologically keeps you invested - good night
by RRAAYY3
Thu Mar 01, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Perrenial question - pay off mortgage or not
Replies: 27
Views: 2847

Re: Perrenial question - pay off mortgage or not

There is literally no reason whatsoever to have those 2 mortagages

Write a big check (2 actually) and then enjoy your increased monthly cash flow
by RRAAYY3
Thu Mar 01, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680606

Re: U.S. stocks in freefall

Mithrilman wrote:
Thu Mar 01, 2018 8:36 pm
Sometimes the news can trump a good earnings season......
well played. well played indeed.