Search found 1373 matches

by Texanbybirth
Sat Jun 13, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: Incredible Returns
Replies: 67
Views: 6212

Re: Incredible Returns

We finished 2019 with his returns maybe a couple of percent above me (I'm indexing). Stop comparing. Comparison with others will not lead to a good place: Envy. Hostility. Poverty (if you try to compete). +1, very wise I would probably ask him to stop talking to me about that kind of stuff. It’s in...
by Texanbybirth
Fri Jun 12, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Life advice from ungrateful?
Replies: 25
Views: 2203

Re: Life advice from ungrateful?

Financially, the goals you’ve established will require you to work harder or longer to accomplish them. It’ll be a slog, but the good news is if you adjust the goals a bit you could literally stop working today, or maybe 5 years or so from now. You are blessed beyond the comprehension of almost ever...
by Texanbybirth
Wed Jun 10, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9437

Re: Tipping why % of bill and not flat amount?

Yes, most of the time I have a flat dollar amount floor I won't tip under. I am always evaluating the service when we go out to eat to decide how to tip. My wife does the same and we usually discuss before finalizing the check.

We have three little kids so we almost NEVER go out to eat. :-)
by Texanbybirth
Wed Jun 10, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Backyard renovation: lawn vs pollinator garden
Replies: 24
Views: 1521

Re: Backyard renovation: lawn vs pollinator garden

1. Are there people here who have done this? And what's been your experience with it? 2. Would I have problems with a veggie garden and pollinator garden/meadow near each other? 3. Any problems I'd have with a pollinator garden in the yard? Like bees flying all over the yard? 4. Any issues with nat...
by Texanbybirth
Wed Jun 03, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 38
Views: 3277

Re: What phone to buy after iPhone 7 Plus

Call Apple support. If they can’t help, get an 11 or 11 Pro Max. You keep your phones for 4 years, id say it’s okay to splurge. If Apple Support helps if ride it out till September when new phones will come out. Alternatively, if you don’t need newest and greatest check out the Apple Refurbished sto...
by Texanbybirth
Tue Jun 02, 2020 7:01 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 131
Views: 8237

Re: Does every one here only have 3 funds in their portfolios?

One fund, vanguard target retirement 2050. I’ll let you know how that works out in 30 years! :beer
by Texanbybirth
Thu May 21, 2020 10:29 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 3149

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

Vanguard’s TDF 2050 is our only retirement investment. As I’m only 35, I’ll let you know how it works out in 30 years! :beer

(We also now own an aggressive allocation (80/20) fund for “shorter term” investments, too.)
by Texanbybirth
Tue May 12, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Hang on to old car or buy new one?
Replies: 38
Views: 2237

Re: Hang on to old car or buy new one?

Option 3 Swap cars?? j🌺 +1 more reliable car for the daughter I have a Honda Accord with nearly 220K miles on it; the Acura has more life in it. . I am leaning toward this. What a simple, elegant solution. Just another vote for this "simple, elegant solution". I can understand you wanting your daug...
by Texanbybirth
Tue Feb 25, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

firebirdparts wrote: Tue Feb 25, 2020 11:33 am Years from now we'll be saying "well, it was a long thread, but most of the posts were people asking how to avoid reading it"
Lol, my thoughts exactly.
by Texanbybirth
Tue Feb 25, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 253
Views: 25172

Re: Tesla Model Y

I'm very interested in the model Y. I currently drive a Yaris iA. We purchased it in Sept 2017. It has always been a tight squeeze for me, and now even for our 3 little kids, but it was a budget decision for us since this is merely a point A to B commuter vehicle. I can see a model Y in my future in...
by Texanbybirth
Tue Feb 25, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I do wish he would simply update the first post in this thread with quarterly results, as he originally mentioned he would do He is isn't he? What I remember is him saying he will update every qtr. based on when he started. Last update was end of November so that means we're due for another at the ...
by Texanbybirth
Tue Feb 25, 2020 10:49 am
Forum: Non-US Investing
Topic: Help me understand this ETF thing...
Replies: 13
Views: 1777

Re: Help me understand this ETF thing...

You are correct that the ETF is "at the mercy of price fluctuations independent of the underlying assets" but it is not a serious matter. It is usually close to negligible. (There are endless debates about whether mutual funds or ETFs are better. In my opinion this does put a featherweight on the m...
by Texanbybirth
Tue Feb 25, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I wouldn't characterize the OP's responses as "disingenuous". He does have real, though not substantial in his overall portfolio, money in this strategy. I do wish he would simply update the first post in this thread with quarterly results, as he originally mentioned he would do. (ETA: I stand corre...
by Texanbybirth
Mon Feb 24, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13934

Re: Do you ever use cash?

Only three kinds of people use cash: Old fashioned people who can't change their habits Paranoid people who think cash is more secure People who fear their spending would go wild with credit cards I can't decide, call me old-fashioned? Our kids put their cash in the collection basked at Church on S...
by Texanbybirth
Sun Feb 23, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Did I miss a 1 year update from Hedgefundie? Or is he gonna update end of this month since its 3 months since his last update? One year update is I’m up 85%, and considering starting my own hedge fund. Any other questions? Glad you’re still contributing. If you’re serious about a hedge fund, does t...
by Texanbybirth
Fri Feb 21, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 6108

Re: Do You Have a Long Term Travel Strategy?

We've taken our kids a couple of places in the US. They're really good flying, but it's now wicked expensive with 3 of them. Plus that means we lug around car seats and have to rent a van. We'll be driving 18hrs @ Christmastide this year, and that's a big test of what we can do going forward. I don'...
by Texanbybirth
Fri Feb 21, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

55/45 strategy is keeping my 10% of my portfolio in green but all other are in red. Seems like strategy is working great on market red day In the short-term it will do that. (doing the same for me, so :beer ) However, as the OP says the long-term bet is whether LTT and stocks will not "crash togeth...
by Texanbybirth
Fri Feb 21, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4665
Views: 1287111

Re: What Book Are You Currently Reading? Part VI

Notre-Dame de Paris, or The Hunchback of Notre Dame

Always wanted to read it and was challenged by a friend to read it together. Loving it so far, but only 3 chapters in.
by Texanbybirth
Thu Feb 20, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: People on Vanguard's Website
Replies: 31
Views: 2528

Re: People on Vanguard's Website

I haven't seen the likeness of a person on the iPhone app. Don't use the iPad app; they're everywhere on there.

(This thread is ludicrously funny.)
by Texanbybirth
Thu Feb 20, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2600

Re: HS Latin or Spanish/ASL?

I dunno what they're going to learn in 1 year of Latin, but it takes a long time go get really good at. (Ask me how I know.) Since they already know a Romance language, it might be slightly easier: cognates and the idea of rules-based verb conjugation, but declensions are a beast and there isn't a 1...
by Texanbybirth
Thu Feb 20, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: "The "Everything Rally" Continues - Will this end badly?
Replies: 144
Views: 13481

Re: "The "Everything Rally" Continues - Will this end badly?

TGT is down 7% this year. Everybody pile into that so I've got a chance at the 2020 Hedge Fund Contest. (Just don't sell MSFT to do it. :wink: )
by Texanbybirth
Thu Feb 20, 2020 10:16 am
Forum: Personal Investments
Topic: Current financial life as low income earners. Please advise
Replies: 21
Views: 2660

Re: Current financial life as low income earners. Please advise

I think it would help if everytime someone posted about their situation there weren't 10 posts about how inflated this board's expectations are. It might actually scare away OPs; I think it does oftentimes. OP, that's a lot of car and mortgage for your income but I would just work on paying the car...
by Texanbybirth
Thu Feb 20, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: do you check your taxes when using tax software?
Replies: 54
Views: 3682

Re: do you check your taxes when using tax software?

I already know what we owe/are due before I start in TurboTax. Once I've finished I compare TT to what I've calculated and, given a reasonableness assessment, fire it off. (TT does offer some kind of accuracy guarantee that pops up during the process. I've never read through the details but I figure...
by Texanbybirth
Wed Feb 19, 2020 3:52 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

yawhide wrote: Wed Feb 19, 2020 3:42 pm does anyone know what the OP use to track his investments? I cant find anything online that looks like that!
Per the original thread, he's using M1 Finance.
by Texanbybirth
Wed Feb 19, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Vanguard App
Replies: 16
Views: 1544

Re: Vanguard App

I use the app almost (99%) exclusively. Glad it started working for you! :beer
by Texanbybirth
Wed Feb 19, 2020 3:49 pm
Forum: Investing - Theory, News & General
Topic: If you used multiple investment strategies, which would you use and why?
Replies: 271
Views: 11701

Re: If you used multiple investment strategies, which would you use and why?

Our main investments are my 401k and Roth IRAs. Of those three, two are solely invested in Vangaurd's TDF2050. This is the bulk of our assets. I read Vanguard's white paper on TDFs and it made sense, so I trust them to manage that portfolio better than me. The other IRA is invested in HEDGEFUNDIE's ...
by Texanbybirth
Wed Feb 19, 2020 11:48 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 227
Views: 17736

Re: What to pair with NTSX?

I can't seem to confirm that anywhere. Where do you see it? I’d hope it’s also in the prospectus, but I see it on page 5 here: https://www.wisdomtree.com/-/media/us-media-files/documents/resource-library/investment-case/the-case-for-90-60-us-balanced-fund-(ntsx).pdf You're right, thanks. Maybe I'm ...
by Texanbybirth
Wed Feb 19, 2020 11:39 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I appreciate Stump909's (and all other detractors') warnings. They don't offend me because I've got thick enough skin to see through any emotion to the heart of the message. I personally don't think they are saying anything that hasn't already been said in the thousands of posts on this "adventure"....
by Texanbybirth
Wed Feb 19, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 227
Views: 17736

Re: What to pair with NTSX?

One other question, does in NTSX rebalance daily like a standard leveraged fund? My understanding is it does not and only rebalances when off target by 5% You are correct. According to both the Summary and Statutory prospectus: "To the extent exposure of the equity and fixed income portions of the ...
by Texanbybirth
Wed Feb 19, 2020 11:23 am
Forum: Personal Investments
Topic: FOMO - TESLA
Replies: 36
Views: 3119

Re: FOMO - TESLA

Just buy some more of the stock with your play money. It could be a good lesson, either way.
by Texanbybirth
Wed Feb 19, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Fidelity landing page - accounts randomly missing
Replies: 37
Views: 2220

Re: Fidelity landing page - accounts randomly missing

Website is broken but the app works fine. At least, the (majority) parts of the app that don't try to navigate to the website work just fine.
by Texanbybirth
Tue Feb 18, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Do You Avoid Advertisements & Commercials?
Replies: 84
Views: 4856

Re: Do You Avoid Advertisements & Commercials?

One of the reasons you should support BH. I've never seen an ad on this website.

If it's not news on BH or one other site I browse, I don't read it. :D :D (tongue-in-cheek, of course)
by Texanbybirth
Fri Feb 14, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 198
Views: 20324

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

Very satisfying to put all cash to work today in our Roth IRA @ Fidelity. I bought fractional shares for this month's contribution with no problem. A welcome improvement! :beer
by Texanbybirth
Fri Feb 14, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: How are you spending Valentine's day?
Replies: 64
Views: 4024

Re: How are you spending Valentine's day?

I am spending the day at the hospital, kiddo had an elective surgery at 7:30am. We will be here a few days. A true act of love, hope all is well. We're having mimosas at home with beans and rice. (Friday abstinence, just ignore the bubbly :happy ) I already wrote everyone a poetry scavenger hunt, a...
by Texanbybirth
Fri Feb 14, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Help find balance between saving vs spending: married and 3 young kids
Replies: 55
Views: 4123

Re: Help find balance between saving vs spending: married and 3 young kids

OP, Similar situation to you, a little younger and a little further ahead, and our kiddos are younger and more tightly-packed age-wise. My wife's family lives in The Sunshine State so we never hesitate to take a beach vacation. Our kids love the beach, and I'd move there in a heartbeat. We save 15% ...
by Texanbybirth
Thu Feb 13, 2020 11:54 am
Forum: Investing - Theory, News & General
Topic: Risks of investing in new ETFs?
Replies: 11
Views: 753

Re: Risks of investing in new ETFs?

Hello everyone! I am very new in investing and recently started investing my savings in ETFs. I am currently looking for ETFs that do not include businesses involving weapons. I found a few that look good but they are new - they started in January 2019 or January 2018. Because they are so new I am ...
by Texanbybirth
Thu Feb 13, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 4002

Re: Yet another 2 -> 1 income thread

You have more than enough now to retire, your wife hates her job, she wants to be with your child, depression is setting in because she can't be with your child. The answer is easy. She should leave the workforce and you both should be happy about the decision. +1, close the thread it's done. :beer...
by Texanbybirth
Wed Feb 05, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 12280

Re: Couples w/ kids: What is/was the most expensive time period of your life?

Cash outflows = Broken bones (3 arms, 2 legs) Pre age 10. Homeschooled, so no significant expenses, except for 6 week to 6 month field trips (they were fun expenses) Capital expenses = Jr high when we fronted them the money to build their own houses (~$80k) Was all paid back when their homes got co...
by Texanbybirth
Tue Feb 04, 2020 2:30 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I've got a small portfolio compared to others, but this strategy (55UPRO/45TMF) is currently 4.5% of invested assets. It's all in a Roth IRA, being contributed to ($500) monthly. That should take care of rebalancing, an implicit monthly rebalance if you will, for a while. Unless of course the perfor...
by Texanbybirth
Tue Feb 04, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Excel Suddenly Giving #FIELD Errors?
Replies: 5
Views: 704

Re: Excel Suddenly Giving #FIELD Errors?

Looks like it might have something to do with the new Excel data types, Stock and Geography right now.

Have you been doing this recently? Did you upgrade/go online to Office 365 recently?

https://support.office.com/en-us/articl ... ded9dd15f2
by Texanbybirth
Mon Feb 03, 2020 9:54 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16939

Re: Tesla Stock

I see at least two dozen a day EACH WAY on my 16 mi commute here in DFW. They don’t really phase me anymore, unlike they used to, except to make me want one in a weird way. (I have a Yaris iA, lots of cars give me that feeling. :moneybag )
by Texanbybirth
Sat Feb 01, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Why many inheritances don't last past 3 generations
Replies: 144
Views: 18084

Re: Why many inheritances don't last past 3 generations

Interesting! Thanks for posting. Replying to some of the jests above, I’ve tried so hard to convince my parents and grandparents to spend their money in retirement. They say, “but what about your kids and their college,etc??” To which we reply, they’re OUR responsibility while we’re around! I’d love...
by Texanbybirth
Fri Jan 31, 2020 11:02 am
Forum: Personal Investments
Topic: For those of us that can't max contribute
Replies: 88
Views: 11003

Re: For those of us that can't max contribute

I've always loved when ppl ask questions like this, then come back and provide updates.

Great job OP! (Similar situation to you, except no pension available.) :beer
by Texanbybirth
Fri Jan 31, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: paying cleaning lady
Replies: 49
Views: 5054

Re: paying cleaning lady

We pay our cleaning lady $150, and she's usually there for 5-7 hours. She's kinda insane about how thorough she is, and we pay her with cash. I trust her to report the income appropriately. My wife empties the kitchen sink of dishes, puts away the laundry, and clears the counters. We don't have any...
by Texanbybirth
Fri Jan 31, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: paying cleaning lady
Replies: 49
Views: 5054

Re: paying cleaning lady

We pay our cleaning lady $150, and she's usually there for 5-7 hours. She's kinda insane about how thorough she is, and we pay her with cash. I trust her to report the income appropriately. My wife empties the kitchen sink of dishes, puts away the laundry, and clears the counters. We don't have any ...
by Texanbybirth
Fri Jan 31, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I've implemented OP's 55/45 in a Roth IRA. I will actually be making monthly contributions/re-balance for the next 20 years if I can stay the course. This thread has turned into a(n interesting) discussion of various adaptations of the strategy, but I was subscribed to it and decided to turn that of...
by Texanbybirth
Fri Jan 31, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: ESG outperforming - will you add any ESG funds to your portfolio?
Replies: 63
Views: 4432

Re: ESG outperforming - will you add any ESG funds to your portfolio?

I've considered Vanguard's ESG Fund for a while now as a piece of our portfolio. It's actively managed, pretty low cost (55bps), and it's run by the Wellington group. I'm surprised it doesn't have any Apple, at least not in the top ten. Here's a Vanguard paper on ESG investing, albeit a little dated.
by Texanbybirth
Thu Jan 30, 2020 1:57 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6564
Views: 616868

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

UPRO, TMF Allocation: From reading page 46 of this thread, it seemed pretty intuitive that the 25% target volatility rebalancing would make sense. In short, higher volatility is associated with a decrease in the performance of the SP500, while lower volatility is associated with increases. Thus, wh...