Search found 939 matches

by jason2459
Thu Apr 15, 2021 1:28 pm
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 124
Views: 7877

Re: Coinbase IPO - anyone tempted?

Interest/rewards/air drops are taxable AFAIK
by jason2459
Thu Apr 15, 2021 12:30 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 65
Views: 2684

Re: thinking about adding some REIT

If just looking for diversification of market portfolio and to focus on a sector not heavily represented by market cap then I like utilities over real estate.
by jason2459
Thu Apr 15, 2021 12:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

livesoft wrote: Thu Apr 15, 2021 12:16 pm
e5116 wrote: Thu Apr 15, 2021 12:06 pm I keep waiting for a pullback and it never happens.
Here is what the pullback looked like in 2021 in a Morningstar chart:

Image

You must have slept through it because it happened.
Oh nice. I like mtum.
by jason2459
Wed Apr 14, 2021 4:14 pm
Forum: Investing - Theory, News & General
Topic: I Bonds variable rate @ 3.54% in May
Replies: 27
Views: 3697

Re: I Bonds variable rate @ 3.54% in May

You're both welcome. I'll also be enjoying six months of 7.14% on those 3.6% fixed rate I Bonds. You will be enjoying slightly more than 7.14%. The composite rate of those I Bonds will be 7.20%. The fixed rate and inflation rate are not simply added. Details are in the How does Treasury figure the ...
by jason2459
Wed Apr 14, 2021 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

It appears that someone is not working out hard enough at the gym today! :annoyed was there an announcement or some news that made the SP500 drop 0.5% in a few minutes? Bernie Madoff passed away? That was known earlier this morning already. The dropoff happened between 1:50 and 2:09 PM. Just seemed...
by jason2459
Tue Apr 13, 2021 8:27 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency - Bitcoin Continues to Soar!
Replies: 230
Views: 19906

Re: Cryptocurrency - Bitcoin Continues to Soar!

BTC and ETH are at all time highs today, yet no posts here. What kind of "Bitcoin Continues to Soar!" thread is this? lol XRP isn't stopping either why is it rising so quickly? Did the SEC drop its case? Not that I've seen. Just the judge ruling that Ripple can see the other crypto docs w...
by jason2459
Tue Apr 13, 2021 7:32 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency - Bitcoin Continues to Soar!
Replies: 230
Views: 19906

Re: Cryptocurrency - Bitcoin Continues to Soar!

decapod10 wrote: Tue Apr 13, 2021 11:03 am BTC and ETH are at all time highs today, yet no posts here. What kind of "Bitcoin Continues to Soar!" thread is this? lol
XRP isn't stopping either
by jason2459
Sun Apr 11, 2021 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11108

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

The "standard deduction" for social security is actually not indexed to inflation, so more people will pay taxes on their social security each year. So if one is making $40K from SS benefits, "tens of thousands" would be at least $20K of taxes on it. OK. Don’t forget about state...
by jason2459
Sun Apr 11, 2021 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11108

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

It's not speculation. You can go to the social security website and figure how much in future dollars your social security will be worth 30 years from now. Are you telling me the benefit you get from having social security exempt from taxes doesn't increase with inflation? Again, you posted about s...
by jason2459
Sun Apr 11, 2021 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11108

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

Not speculation. https://www.google.com/amp/s/weartv.com/amp/news/local/florida-senate-votes-to-phase-out-retirement-pensions-for-new-state-employees You posted about 30 years from now. That's pure speculation. It's not speculation. You can go to the social security website and figure how much in f...
by jason2459
Sun Apr 11, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11108

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

I find it hard to believe states will exempt retirees from millions in social security benefits 30 years from now when social security benefits grow due to inflation. There will be a labor shortage for states trying to shift the tax burden to the workers Speculation and predictions again. Not specu...
by jason2459
Sun Apr 11, 2021 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11108

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

Not currently but who knows in the future Currently there is only ONE state (Utah) that taxes Social Security benefits in exactly the same way as the Federal government. Thirty-seven states plus D.C. either don't tax social security or have no income tax at all. Ten states give exemptions based on ...
by jason2459
Sun Apr 11, 2021 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11108

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

Don’t forget about state taxes. Many will be living in other states like Cali. Want it or not California doesn't tax social security. Neither does my state. Not currently but who knows in the future Currently there is only ONE state (Utah) that taxes Social Security benefits in exactly the same way...
by jason2459
Sun Apr 11, 2021 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11108

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

It's neither easy nor cheap to make yourself 'paper poor' in order to get on Medicaid. Moving a tax-deferred balance into a trust requires realizing the income first and paying taxes accordingly. Which is the whole point of this thread...tax-deferred balances are a pain to deal with in retirement. ...
by jason2459
Sun Apr 11, 2021 9:07 am
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 111
Views: 7206

Re: So what is wrong with not investing?

I would agree. Cash is assured to lose value during any type of inflationary period. Which we're in. Physical cash in paper bills is "assured" to lose value to inflation. Treasury bills, bank accounts, and money market mutual funds are not. For example, from 1971 through 1985, inflation a...
by jason2459
Sun Apr 11, 2021 9:06 am
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 111
Views: 7206

Re: So what is wrong with not investing?

I'm sorry, we haven't predicted anything. We're currently experiencing some Inflation. Cash would lose money. Even T-Bills have done better over time. I wouldn't sit on anything less. I honestly haven't experienced any inflation. My rent, utilities, food, etc. have remained the exact same as last y...
by jason2459
Sun Apr 11, 2021 8:59 am
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 111
Views: 7206

Re: So what is wrong with not investing?

I would agree. Cash is assured to lose value during any type of inflationary period. Which we're in. I think it's funny you guys think you can predict inflation. If you can, go ahead and bet the house in the futures or forex market. You can make tons of money if you can predict inflation. I'm sorry...
by jason2459
Sun Apr 11, 2021 8:55 am
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 111
Views: 7206

Re: So what is wrong with not investing?

Keeping an enormous sum in cash is the opposite of what I would suggest and I think most on this forum would agree. You might as well tell OP to load up on crypto. I think you need an economist as your advisor, not a financial advisor. Any economist will tell you about how emerging markets are abou...
by jason2459
Sun Apr 11, 2021 8:50 am
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 111
Views: 7206

Re: So what is wrong with not investing?

Anyway, I maintain based on OPs post total bond or a 20:80 portfolio is what I would recommend. Or even *whisper* a good financial advisor. Deleveraging is just as scary as inflation. Cash is king. Keeping an enormous sum in cash is the opposite of what I would suggest and I think most on this foru...
by jason2459
Sun Apr 11, 2021 8:26 am
Forum: Investing - Theory, News & General
Topic: [Is it a good time to buy I bonds?]
Replies: 63
Views: 835

Re: I Bonds

Hi All, We have a couple of CDs maturing and thinking about using those funds to invest in I Bonds. Given the 10K limit, can we also invest in our kids names or do you see any issues with that? Thanks I bonds are great before deflation, after deflation, before and after inflation. The principle is ...
by jason2459
Sat Apr 10, 2021 9:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

It's different than I've seen the phrase used in the past (an accelerating rise that may be a precursor to a crash), but whatever floats your truck boat. :beer Melt up is apparently now just a run of the mill, not even particularly high, up closing. So we'll need a new term for a real melt up. I'm ...
by jason2459
Sat Apr 10, 2021 8:27 am
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 39
Views: 2815

Re: Rebalance frequency

I do a soft rebalancing with new money in every couple weeks. Otherwise rarely do I do a hard rebalancing. I don't mind letting my AA drift with momentum as my soft rebalancing catches up. I have targets for my AA and that's about it.
by jason2459
Fri Apr 09, 2021 8:03 pm
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 58
Views: 6493

Re: new Vanguard Ultra-Short Bond ETF

JMST is another alternative I like. Ultra short muni bonds. Barely a blip last March when other bonds took a dive. Part of my bonds AA which has my EF baked into it. Also nice for a taxable account as it's a muni bond fund.
by jason2459
Fri Apr 09, 2021 7:09 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 2908

Re: walking shoes with wide toes?

telemark wrote: Thu Apr 08, 2021 4:40 pm Xero shoes all have wide toe boxes. I wouldn't go hiking in my Hanas, because they're too nice, but they're good for walking around town.

Xero shoes are all I buy anymore. Feet feel free.
by jason2459
Fri Apr 09, 2021 4:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

Uniswap wrote: Fri Apr 09, 2021 4:50 pm Looking forward to S&P 5000! :beer
Well now you did it. You just broke the Forester play book win streak. Hope I can get to all cash before it hits on Monday.
by jason2459
Fri Apr 09, 2021 2:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

Brianmcg321 wrote: Fri Apr 09, 2021 2:56 pm Buy, buy, buy.
Margin call.... :shock: :oops:
by jason2459
Fri Apr 09, 2021 2:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

jarjarM wrote: Fri Apr 09, 2021 2:27 pm Wow, there's a lot of Forrester imposters around here :beer
Not regretting a single comment. :greedy
by jason2459
Fri Apr 09, 2021 2:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

Hyperchicken wrote: Fri Apr 09, 2021 12:39 pm Man, that starts looking too easy.

Now what, cheer for 4,200?
That would be silly. Next stop is 3000 :moneybag
by jason2459
Fri Apr 09, 2021 12:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

I think we need another “Forester pronouncement” in order to keep this rally going. We just need investors to borrow huge sums of money to buy stocks with. Oh wait, they're already doing that, the Wall Street Journal reports. "Investors Big and Small Are Driving Stock Gains With Borrowed Money...
by jason2459
Fri Apr 09, 2021 12:08 pm
Forum: Investing - Theory, News & General
Topic: Can this be true? [CNBC: Investors put more money into stocks]
Replies: 24
Views: 3724

Re: Can this be true?

Silk McCue wrote: Fri Apr 09, 2021 12:02 pm It is possibly connected to undisciplined investors bailing on the market in mass and then getting back in.

Cheers
We've also had a record amount of stimulus from the fed and into the hands of people.
by jason2459
Fri Apr 09, 2021 11:29 am
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 7881

Re: I cant find anything better than S&P

Not according to portfoliovisualizer. Certainly with in error 11.53 vs 11.35 CAGR https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=1972&firstMonth=1&endYear=2021&lastMonth=12&calendarAligned=true&includeYTD=false&a...
by jason2459
Fri Apr 09, 2021 11:23 am
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 7881

Re: I cant find anything better than S&P

My vote: Total US Stock Market Index and chill. Vtsax then chill? Isnt it literally same as vfiax historically? Not according to portfoliovisualizer. Certainly with in error 11.53 vs 11.35 CAGR https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&s...
by jason2459
Fri Apr 09, 2021 10:02 am
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 7881

Re: I cant find anything better than S&P

My vote: Total US Stock Market Index and chill. Vtsax then chill? Isnt it literally same as vfiax historically? Not according to portfoliovisualizer. Certainly with in error 11.53 vs 11.35 CAGR https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&s...
by jason2459
Fri Apr 09, 2021 8:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

Vtsax100 wrote: Fri Apr 09, 2021 8:45 am 4100!! We are officially soaring!
To bad it's not going to close above 4100. :wink:
by jason2459
Thu Apr 08, 2021 3:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

Oh so close. No way 4100 is happening tomorrow.
by jason2459
Thu Apr 08, 2021 2:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

Perma-Bull Jeremy Siegel- 30% up before a pull back. https://www.cnbc.com/2021/04/08/jeremy-siegel-says-stock-market-could-go-up-30percent-before-boom-ends.html We haven't seen Forester predictions lately. No need. We all know there's no way SP500 breaks through 4100! :mrgreen: Less than two points...
by jason2459
Thu Apr 08, 2021 2:11 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5923

Re: Simplicity over Small Cap Value

permport wrote: Thu Apr 08, 2021 2:05 pm Put on a tilt and just forget about it. It can be made almost as simple as a pure market weighted implementation with the addition of just one extra fund. Not exactly a lot of extra complexity.
As stated above. IMO, complexity is not the issue. Behavioral issues are.
by jason2459
Thu Apr 08, 2021 1:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

lostdog wrote: Thu Apr 08, 2021 12:24 pm Perma-Bull Jeremy Siegel- 30% up before a pull back.

https://www.cnbc.com/2021/04/08/jeremy- ... -ends.html

We haven't seen Forester predictions lately.
No need. We all know there's no way SP500 breaks through 4100! :mrgreen:
by jason2459
Wed Apr 07, 2021 7:52 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6271

Re: How much cash do you really hold?

Cash isn't the only component that I can tap into in a situation like that. It's hard to buy six figures in stock in a down market on a credit card. I was referring to becoming unemployed. Cash is just a part of what I could tap into. I have no concerns with using my cash reserves to buy more equit...
by jason2459
Wed Apr 07, 2021 4:04 pm
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 88
Views: 30471

Re: How long to turn 1 million to 2 millions for you?

If you start with 1 million and invest $3,500 per month, you will have 2 million in: 105 months @ 5% 93 months @ 6% 84 months @ 7% 65 months @ 10% 47 months @ 15% I wouldn't count on the last two. :beer Interesting to see where we are as of March 2021, less then 5 years later, starting with $1m in ...
by jason2459
Wed Apr 07, 2021 3:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114370

Re: U.S. stocks continue to soar!

Robot Monster wrote: Wed Apr 07, 2021 3:20 pm Ouch on the Russell 2000 with -1.60%. House of Pain!
GME down 3.64%. We're free falling...
by jason2459
Wed Apr 07, 2021 3:18 pm
Forum: Investing - Theory, News & General
Topic: Complex and Cluttered Portfolios
Replies: 6
Views: 774

Re: Complex and Cluttered Portfolios

But three lego pieces would be more diverse then two lego pieces...
by jason2459
Wed Apr 07, 2021 3:02 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6271

Re: How much cash do you really hold?

Cash isn't the only component that I can tap into in a situation like that. It's hard to buy six figures in stock in a down market on a credit card. I was referring to becoming unemployed. Cash is just a part of what I could tap into. I have no concerns with using my cash reserves to buy more equit...
by jason2459
Wed Apr 07, 2021 2:09 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5923

Re: Simplicity over Small Cap Value

MKT is a good place to start with and be in. It could be all you need especially starting so young. I'm not against SCV being held too but if you're already questioning it then I can see behavioral issues down the road especially when we have years of negative returns and high volatility in the SCV ...
by jason2459
Wed Apr 07, 2021 2:04 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6271

Re: How much cash do you really hold?

Grt2bOutdoors wrote: Wed Apr 07, 2021 2:01 pm
jason2459 wrote: Wed Apr 07, 2021 1:56 pm
Visitor76 wrote: Wed Apr 07, 2021 1:49 pm
flyingaway wrote: Wed Apr 07, 2021 10:28 am When the market crashes, you wish you had more cash.
Not if you're making bi-weekly contributions. :beer
You can have the cake and eat it too.
Lose your job - there goes the cake and your appetite!
Cash isn't the only component that I can tap into in a situation like that.
by jason2459
Wed Apr 07, 2021 1:56 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6271

Re: How much cash do you really hold?

Visitor76 wrote: Wed Apr 07, 2021 1:49 pm
flyingaway wrote: Wed Apr 07, 2021 10:28 am When the market crashes, you wish you had more cash.
Not if you're making bi-weekly contributions. :beer
You can have the cake and eat it too.
by jason2459
Wed Apr 07, 2021 12:16 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6271

Re: How much cash do you really hold?

I include my EF in my AA. My targets For cash is high yield savings/NP-CDs <5% currently at 3.54% For short term bonds/i-bonds ~5% currently at 4.82% Checking account paycheck to paycheck so ~0% My cash holdings I don't mind depleting to 0% during bear markets and RBDs. Last March I was around 5% ca...
by jason2459
Tue Apr 06, 2021 1:41 pm
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 12425

Re: 30 Years and 100% VTI

Historically we know 100% equities will always win out in the highest return (10.29%): No, we don't. As others said, because you haven't provided any compelling reason to skip the 6000+ stocks outside of the US. Because US has vastly outperformed ex-US over the last two centuries (despite small per...
by jason2459
Tue Apr 06, 2021 1:35 pm
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 12425

Re: 30 Years and 100% VTI

Historically we know 100% equities will always win out in the highest return (10.29%): No, we don't. As others said, because you haven't provided any compelling reason to skip the 6000+ stocks outside of the US. Because US has vastly outperformed ex-US over the last two centuries (despite small per...
by jason2459
Mon Apr 05, 2021 11:32 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 4419
Views: 339914

Re: Small Cap Value heads Rejoice !!!

I decided to have a SCV tilt for diversification and not for total return. My need for that in retirement will be even stronger. I don't plan to change my equities AA. I plan to hold more bonds.