Search found 542 matches

by tvubpwcisla
Fri Apr 16, 2021 8:29 am
Forum: Personal Investments
Topic: Going to receive around $1 million - what to do ?
Replies: 38
Views: 6566

Re: Going to receive around $1 million - what to do ?

The best advice I can provide is to not tell anyone about the blessing that you worked hard for. You see, your problem has nothing to do with how to invest the money. Your problem is how to deal with the emotions of your extended family coming to you and begging for their share.
by tvubpwcisla
Wed Apr 14, 2021 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: IC to Manager
Replies: 16
Views: 1683

IC to Manager

Has anyone here gone from being an individual contributor at work (Engineer or something else) to a Manager level employee / leader?

Any tips on how to be successful when moving over to the dark side!

:twisted:
by tvubpwcisla
Wed Apr 14, 2021 9:12 pm
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 191
Views: 12830

Re: Coinbase IPO - anyone tempted?

Yes, I will be getting in at the opening bell tomorrow morning. I love the blend of Index Funds + Individual Equities.

:moneybag
by tvubpwcisla
Wed Apr 14, 2021 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: I wish I Knew Then What I Know Now
Replies: 33
Views: 3718

I wish I Knew Then What I Know Now

I'll start...

It's difficult, if not impossible, to outperform the Indexes.

:moneybag
by tvubpwcisla
Sun Apr 11, 2021 9:56 pm
Forum: Investing - Theory, News & General
Topic: CAPE: A much stronger predictor of stock returns than many think
Replies: 578
Views: 39298

Re: CAPE: A much stronger predictor of stock returns than many think

I thought CAPE stood for:

Careful
Analysts
Pick
Equities

oh, how things have changed!
by tvubpwcisla
Sun Apr 11, 2021 9:54 pm
Forum: Personal Investments
Topic: Buying a 1.5M house in Austin. Should I pull it?
Replies: 51
Views: 5363

Re: Buying a 1.5M house in Austin. Should I pull it?

Being house poor is a horrible feeling. If you feel like you will always be able to afford a 1.5 million dollar home no matter what happens to you in life then go for it. As for me and my house, middle of the road (or even a little less) is just fine.

:sharebeer
by tvubpwcisla
Sun Apr 11, 2021 9:46 pm
Forum: Investing - Theory, News & General
Topic: Is this the single worst time to be a passive investor
Replies: 73
Views: 9331

Is this the single worst time to be a passive investor

I stumbled upon an article on Yahoo Finance: "This is the single worst time to be a passive investor in since they started passive investments... The [S&P 500] index is highly likely to not make money over the next 10 years," said Bill Smead, chief investment officer of Smead Capital M...
by tvubpwcisla
Sun Mar 21, 2021 8:23 am
Forum: Investing - Theory, News & General
Topic: A one fund portfolio ?
Replies: 12
Views: 1759

Re: A one fund portfolio ?

One, two, or three funds will not make the difference in your success of achieving financial independence.

The important thing is that whatever you do choose, stick to it.
by tvubpwcisla
Sun Mar 21, 2021 7:18 am
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 266
Views: 18297

Re: On what are you most bullish?

burritoLover wrote: Thu Jan 14, 2021 11:51 pm Nothing - the next 10 years are probably going to be the worst period to invest in history.
I hope this is true, as we will be able to purchase investments at great deals!

:moneybag
by tvubpwcisla
Sun Mar 21, 2021 7:16 am
Forum: Investing - Theory, News & General
Topic: What is your Favorite Technical Indicator
Replies: 30
Views: 1789

What is your Favorite Technical Indicator

With passive Index Investing, Technical Indicators seem to be irrelevant as we simply invest in Index Funds and then go along for the ride; dollar cost averaging and collecting Dividends along the way to financial independence. I am curious if you do follow the market in more detail, are there any T...
by tvubpwcisla
Sun Mar 14, 2021 12:30 pm
Forum: Investing - Theory, News & General
Topic: Does it feel bubbly to you?
Replies: 214
Views: 15668

Re: Does it feel bubbly to you?

Equities, in my opinion, are actually under valued. We are coming out of a Pandemic (go out on the weekends and see the pepped up demand). Unemployment is dropping like a rock and fast. Home values are rising faster than any other time in history. Companies are hiring like crazy. Janet Yellen is now...
by tvubpwcisla
Sun Mar 14, 2021 12:24 pm
Forum: Personal Investments
Topic: Why Bonds
Replies: 44
Views: 3232

Re: Why Bonds

Investing in Bonds is better than not investing at all; however, I prefer the best of the best, and that is Equities.
by tvubpwcisla
Sat Mar 13, 2021 10:28 am
Forum: Personal Consumer Issues
Topic: water pipe leaking
Replies: 51
Views: 3509

Re: water pipe leaking

I would call out a licensed plumber based off that picture.
by tvubpwcisla
Sat Mar 13, 2021 10:26 am
Forum: Investing - Theory, News & General
Topic: Is 100% Equities a Bad Investment Strategy?
Replies: 131
Views: 9500

Re: Is 100% Equities a Bad Investment Strategy?

Is 100% Equities a bad investment strategy or does it simple mean that your account will see larger fluctuations in value? In the long run, a 100% Equity Portfolio will yield the high gains, correct? Thanks! :moneybag There have been a number of threads asking something similar. You can search them...
by tvubpwcisla
Sat Mar 13, 2021 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Is 7K mortgage a month too much for 13K (combined) post tax monthly income?
Replies: 101
Views: 8849

Re: Is 7K mortgage a month too much for 13K (combined) post tax monthly income?

I think you can afford it; however, should you? It really comes down to what you enjoy in life, as we all know life is short. If you are super happy with your property and don't mind the monthly outflows, I think it is okay. I am a fan of keeping costs low, planning for emergencies, and investing mo...
by tvubpwcisla
Sat Mar 13, 2021 10:21 am
Forum: Investing - Theory, News & General
Topic: Is 100% Equities a Bad Investment Strategy?
Replies: 131
Views: 9500

Is 100% Equities a Bad Investment Strategy?

Is 100% Equities a bad investment strategy or does it simple mean that your account will see larger fluctuations in value?

In the long run, a 100% Equity Portfolio will yield the high gains, correct?

Thanks!

:moneybag
by tvubpwcisla
Sat Mar 13, 2021 9:13 am
Forum: Personal Finance (Not Investing)
Topic: 0% car loan and invest the cash?
Replies: 35
Views: 2499

Re: 0% car loan and invest the cash?

I think I would do the opposite. Eliminate all debt, and then invest into 100% equities.

:moneybag
by tvubpwcisla
Thu Feb 11, 2021 7:01 am
Forum: Personal Consumer Issues
Topic: HOA Dispute Tree Root Damage
Replies: 15
Views: 1842

Re: HOA Dispute Tree Root Damage

You pay for the repair. Is the tree unhealthy or poorly maintained? Why do you think the HOA owes you money? Thanks for your reply. I was hopeful the HOA would help me pay for the repair and / or remove the trees since the trees that caused the damage where on their property and I expressed concern...
by tvubpwcisla
Thu Feb 11, 2021 6:53 am
Forum: Personal Consumer Issues
Topic: HOA Dispute Tree Root Damage
Replies: 15
Views: 1842

HOA Dispute Tree Root Damage

I live next to an HOA maintained common area. Tree roots came under the fence and damaged our landscape drainage pipe, which had to be replaced. I asked the HOA to help with the repair / replacement cost and also to remove the trees that caused the damage. They said no to both. Where should I go fro...
by tvubpwcisla
Mon Jan 11, 2021 6:26 am
Forum: Investing - Theory, News & General
Topic: Munger warns of lost decade for investing (2021-2031)
Replies: 71
Views: 10035

Re: Munger warns of lost decade for investing (2021-2031)

I hope he is right, as it will favor the patient investor who buys and never sells with accumulation at the very low and predicted lost decade pricing!

:mrgreen:

:moneybag
by tvubpwcisla
Mon Jan 11, 2021 5:47 am
Forum: Investing - Theory, News & General
Topic: Bogle Advice
Replies: 1
Views: 349

Bogle Advice

As we start a new week, here is a good reminder video from Mr. Bogle on investing - https://www.youtube.com/watch?v=65FIl71bZKQ - Buy everything and hold it forever - Don't time the market - Market declines are one of the best things that can happen to investors as they can purchase at cheaper price...
by tvubpwcisla
Sun Oct 11, 2020 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Would you rather be the richest or poorest person in town?
Replies: 109
Views: 8919

Re: Would you rather be the richest or poorest person in town?

Whatever town you choose, act and present yourself like the poorest person.
by tvubpwcisla
Mon Jul 20, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: Why does the stock market typically do all its price movement in the after hours?
Replies: 3
Views: 422

Why does the stock market typically do all its price movement in the after hours?

Seems like stocks are up and down during the after market and then during the day they don't move much. Is this normal and typical of how markets work?
by tvubpwcisla
Sat Jul 18, 2020 7:57 pm
Forum: Non-US Investing
Topic: How to hedge in case of a disaster in your country's economy
Replies: 92
Views: 6448

Re: How to hedge in case of a disaster in your country's economy

Investors lose more money hedging to the downside than any other decision they make. I would recommend hedging to the upside. Markets are trading at nice discounts right now.
by tvubpwcisla
Fri Jul 17, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 22363

Re: Why is the stock market up? [thread multi-merge]

The reason the stock market is up is because there are still discounts on really good equities from the all time highs.
by tvubpwcisla
Tue Jul 14, 2020 9:03 pm
Forum: Personal Investments
Topic: All in with Wellesley
Replies: 61
Views: 7612

Re: All in with Wellesley

Congrats, I think you made a great choice and will sleep well at night.
by tvubpwcisla
Tue Jul 14, 2020 8:46 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard partners with Infosys for Defined Contribution recordkeeping]
Replies: 265
Views: 17356

Re: Vanguard laying off 1300 employees as part of outsourcing deal with Infosys

Very smart move by Vanguard. They need to focus on investing, optimizing their index funds, lowering costs for investors, and keeping their eye on the money ball. I love and support this strategic move!

:moneybag
by tvubpwcisla
Mon Jul 13, 2020 10:57 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 22363

Re: How is this possible -- stock market continues to soar.

Markets are still trading at a huge discount from the all time highs. Expect more gains to come!
by tvubpwcisla
Mon Jul 13, 2020 10:52 am
Forum: Personal Investments
Topic: 100% cash in this unprecidented time?
Replies: 57
Views: 7070

Re: 100% cash in this unprecidented time?

I recommend investing as if Covid is not an issue. It will go away and it is not the end of the world. Stay invested at all times and don't jump in and out of the market based on news and world events. Stay the coarse!
by tvubpwcisla
Sun Jul 12, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: "How ESG Makes Companies Better" (but lowers expected returns)
Replies: 67
Views: 3430

Re: Larry Swedroe: "How ESG Makes Companies Better" (but lowers expected returns)

How ESG Makes Companies Better New research shows that companies that adhere to positive environmental, social and governance (ESG) principles have lower costs of capital, higher valuations, are less vulnerable to systemic risks and are more profitable. But beware; those higher valuations translate...
by tvubpwcisla
Thu Jul 09, 2020 9:41 pm
Forum: Personal Investments
Topic: Is a deferred annuity worth it if the investment grows tax free?
Replies: 17
Views: 1415

Re: Is a deferred annuity worth it if the investment grows tax free?

Would you consider a deferred annuity product at Fidelity (low fees) if it grew tax free? Only taxed when you take it out at retirement. https://www.fidelity.com/annuities/FPRA-variable-annuity/video Thanks! The only time it grows "tax free" is if you do it inside a Roth IRA. Variable ann...
by tvubpwcisla
Thu Jul 09, 2020 4:51 pm
Forum: Personal Investments
Topic: Is a deferred annuity worth it if the investment grows tax free?
Replies: 17
Views: 1415

Is a deferred annuity worth it if the investment grows tax free?

Would you consider a deferred annuity product at Fidelity (low fees) if it grew tax free? Only taxed when you take it out at retirement.

https://www.fidelity.com/annuities/FPRA ... uity/video

Thanks!
by tvubpwcisla
Thu Jul 09, 2020 12:05 pm
Forum: Investing - Theory, News & General
Topic: New actively managed ETF's to help the three fund portfolio?
Replies: 10
Views: 940

New actively managed ETF's to help the three fund portfolio?

Fidelity has rolled out some new actively managed ETF's. My question is, "Would these help increase the returns on a three fund portfolio or is it best to ignore these new ETFs and stick with unmanaged funds?"

https://www.fidelity.com/etfs/different-types-of-etfs

Thanks!
by tvubpwcisla
Wed Jul 08, 2020 8:00 am
Forum: Investing - Theory, News & General
Topic: Does minimum volatility give better returns?
Replies: 72
Views: 8231

Re: Does minimum volatility give better returns?

Since most of the wealth is transferred during market corrections and large crashes, I would say high volatility gives better returns. Whatever you do, don't panic and sell! Stay in the game at all times.

:moneybag
by tvubpwcisla
Wed Jul 08, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: What do you refuse to pay for?
Replies: 4
Views: 691

What do you refuse to pay for?

Several things for me:

Regular maintenance of landscaping
Premium gasoline
High end designer clothing brands
Trading fees and commissions
by tvubpwcisla
Wed Jul 08, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Attorney needed?
Replies: 28
Views: 3305

Re: Attorney needed?

Do not interact with the other party. Let your own legal counsel handle everything. j :happy ^ Great advice! In fact, that is probably the most important thing you can do right now. If you have not already done so, stop talking immediately and do not have contact with the other driver directly.
by tvubpwcisla
Tue Jul 07, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: 15 year or 30 year mortgage?
Replies: 104
Views: 7678

Re: 15 year or 30 year mortgage?

I would go 30 and make an extra payment when I get a bonus, etc...Can pay off in 15 years or sooner. You may decide to delay paying it off with rates so low!
by tvubpwcisla
Tue Jul 07, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Mini Fridge / Freezer for Office
Replies: 0
Views: 295

Mini Fridge / Freezer for Office

What is a good mini Fridge / Freezer that has an Auto Defrost feature built in?

Something between 3 and 5 cubic feet; on the small side.

Thanks!
by tvubpwcisla
Tue Jul 07, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 110
Views: 7488

Re: Password vault or generator?

KeyPass works great and is very simple to use.

https://keepass.info/
by tvubpwcisla
Mon Jul 06, 2020 8:43 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 10170

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Why do just the three fund portfolio? Why not do both? In fact there is nothing wrong with doing the three fund portfolio, individual equities, and also having a managed account with small fees all at the same time. Investing doesn't have to be an all or none strategy.
by tvubpwcisla
Mon Jul 06, 2020 12:29 pm
Forum: Investing - Theory, News & General
Topic: Does it really matter when you claim Social Security
Replies: 109
Views: 9550

Does it really matter when you claim Social Security

I am currently planning to start taking Social Security benefits at the full retirement age of 67.

At what age did you start taking SS and does it really matter in the grand scheme of things?

:confused
by tvubpwcisla
Fri Jul 03, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford with bonus-heavy income?
Replies: 16
Views: 2405

Re: How much house can we afford with bonus-heavy income?

Buy the house you can afford to stay in if your income was $0.
by tvubpwcisla
Fri Jul 03, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Why do you invest and what are you investing for?
Replies: 22
Views: 1688

Why do you invest and what are you investing for?

I invest because I want to keep up with inflation and I also understand that if I don't invest I will most likely run out of money.

I am investing for retirement and to leave money for others.
by tvubpwcisla
Thu Jul 02, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 517
Views: 70692

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

After reading through the thread, I decided to make an investment in the WisdomTree company itself. Looks like a great deal at just a few dollars a share and paying a nice 3.5% dividend.

NASDAQ: WETF
https://www.wisdomtree.com/

Thanks for all the information on the company!

:moneybag
by tvubpwcisla
Thu Jul 02, 2020 6:16 pm
Forum: Personal Investments
Topic: Should I change asset allocation to feel less anxiety
Replies: 54
Views: 3928

Re: Should I change asset allocation to feel less anxiety

Yes. You should adjust to an allocation that does not give you anxiety. No amount of money is worth feeling anxious about your investments. If that's 1% stocks and 99% bonds, do it. You know why? Because if the market goes down you won't touch it and that in and of itself might save your retirement....
by tvubpwcisla
Thu Jul 02, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17843

Re: YoutubeTV subscription now $64.99/month

Yikes! May be time to put the satellite dish back up!
by tvubpwcisla
Thu Jul 02, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 243
Views: 22669

Re: Thought about buying a small motor home, but the market is crazy

Some positives would be: - A small motor home is something you can keep for the rest of your life if you take good care of it. - You can save thousands of dollars that you would have spent in hotel accommodations. Granted there will be maintenance on the RV but I think it would be less than hotels. ...
by tvubpwcisla
Thu Jul 02, 2020 7:33 am
Forum: Investing - Theory, News & General
Topic: Is 60/40 portfolio now dead?
Replies: 22
Views: 2579

Re: Is 60/40 portfolio now dead?

No, that is just silly. No allocation is dead. 60/40 is just fine and I see nothing wrong with it.
by tvubpwcisla
Thu Jul 02, 2020 6:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14660
Views: 1127310

Re: U.S. stocks continue to soar!

mrspock wrote: Thu Jul 02, 2020 3:33 am Futures are up. After all, it would only be appropriate to head into the Independence Day long weekend, with US equities continuing to SOAR!
:sharebeer
Yes! That would be great. Hoping for another 1.0 - 1.5% higher to close out the week.

:moneybag