Search found 37 matches

by CRJPylote
Sun Jan 31, 2021 12:49 am
Forum: Investing - Theory, News & General
Topic: Market volatility due to GME/AMC - what to do?
Replies: 30
Views: 2288

Re: Market volatility due to GME/AMC - what to do?

I'm a young investor in my 20's with a long horizon, but I am making no changes and am okay with my current AA Let's say you get out of your S&P index nd the market has a fairly large correction, then you get back in when you think it's over. Then another correction happens. When do you get back...
by CRJPylote
Sat Jan 30, 2021 10:15 pm
Forum: Personal Consumer Issues
Topic: Electric Vehicle Tipping Point
Replies: 94
Views: 4510

Re: Electric Vehicle Tipping Point

I'd just watch charging infrastructure. When a supermajority of apartments have EV plugs, then I'd start worrying.
by CRJPylote
Sat Jan 30, 2021 12:18 am
Forum: Investing - Theory, News & General
Topic: We are NOT in a bubble
Replies: 165
Views: 21544

Re: We are NOT in a bubble

I simply do not know. I was wrong on at predicting the market's behavior in 2020, as were many. I am glad I'm a passive index type investor, as if I was active, I would have made the wrong decisions on when to get back in. It probably wouldn't have been the (march 23 i think) low. More like May or J...
by CRJPylote
Fri Jan 29, 2021 11:58 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4556
Views: 228805

Re: [GameStop GME trading mega-thread]

In my opinion (and it is just that), a broker is required by law to provide Best Execution to clients. [/b] It doesn't say provide Best Execution so long as you don't lose money. That's only if they allow you to place the trade. There isn't any law requiring them to allow you to place a trade. You ...
by CRJPylote
Thu Jan 28, 2021 11:16 am
Forum: Investing - Theory, News & General
Topic: Has Bogleheads lost its direction?
Replies: 331
Views: 29662

Re: Has Bogleheads lost its direction?

Friends, I usually check in to the forum a couple times each week to see what's new. Usually it's some new post concerning how much international to hold or where to buy the cheapest pair of eyeglasses. As much as those repeating topics irritated me because the answers are always the same, it was c...
by CRJPylote
Wed Jan 27, 2021 5:04 pm
Forum: Personal Consumer Issues
Topic: Desktop is dying - help me with replacement
Replies: 72
Views: 4713

Re: Desktop is dying - help me with replacement

Stop wasting valuable time with obsolete worthless IT gear. Invest in an up to date new computer and new monitor and you will be set for several years. Yup, just hoping to wipe thus thing before disposing of it. It you want to wipe the computer, a program called DBAN, wipes conventional hard drives...
by CRJPylote
Wed Jan 27, 2021 4:52 pm
Forum: Investing - Theory, News & General
Topic: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?
Replies: 135
Views: 4948

Re: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?

Believe it or not I didn't even really check my account in march. I'm in my 20's and have a relatively small IRA and 401K however. But yeah remained rational. If anything, it was a good test of my personal risk tolerance. Happy with my 100% equity portfolio, 30% international.
by CRJPylote
Mon Jan 25, 2021 8:24 pm
Forum: Investing - Theory, News & General
Topic: Why Vanguard?
Replies: 77
Views: 6958

Re: Why Vanguard?

My father is along time customer of them so that's how I got started. I have accounts there and at Schwab(401K and a second IRA) and Schwab isn't any better for what I do. That said Vanguard doesn't seem to cater to people wanting to "dip their toe in" with rather high minimums for most a...
by CRJPylote
Fri Jan 22, 2021 6:59 pm
Forum: Investing - Theory, News & General
Topic: Why Vanguard?
Replies: 77
Views: 6958

Re: Why Vanguard?

My father is along time customer of them so that's how I got started. I have accounts there and at Schwab(401K and a second IRA) and Schwab isn't any better for what I do. That said Vanguard doesn't seem to cater to people wanting to "dip their toe in" with rather high minimums for most ac...
by CRJPylote
Fri Jan 22, 2021 6:44 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 595
Views: 55385

Re: What is your age and asset allocation ?

24.

100% stocks(Am trying the HEDGEFUNDIE at around 5% of total assets, but I'll call that stock)

70% US, 30 INT. Market weights or as close as possible considering my limited 401K funds.
by CRJPylote
Fri Dec 11, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Safe car for a teenager recommendation
Replies: 70
Views: 3711

Re: Safe car for a teenager recommendation

I know its already been said but as long as its from the 21st century and has working ABS and Airbags, you should be fine. It's more about the lack of attention to driving than the actual car. And no, even the new cars with systems to detect distraction can be turned off for the most part. I'd just ...
by CRJPylote
Fri Dec 11, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Replacing rear shocks and front lower control arms?
Replies: 32
Views: 1670

Re: Replacing rear shocks and front lower control arms?

I just used quick strut assemblies, no disassembly required. I'd never buy the normal ones.
by CRJPylote
Wed Nov 25, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Replacing rear shocks and front lower control arms?
Replies: 32
Views: 1670

Re: Replacing rear shocks and front lower control arms?

My mechanic recommended replacing rear shocks and front lower control arms for my 2013 VW which has only 50k miles. He said the bushings of the control arms are cracked a bit but no safety issue at this moment. Replacing the front lower control arms alone costs $800+ so I'm hesitant to do it now :o...
by CRJPylote
Wed Nov 25, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Following Distance Indicator
Replies: 17
Views: 1275

Re: Following Distance Indicator

My son's Volvo has a light that comes on when you are following too close (it's an adjust able setting) to the vehicle in front of you. Do you know what other car makes offer this feature? From a quick Google search, it looks like Volvo has it and calls it Distance Alert. Mercedes calls theirs Dist...
by CRJPylote
Wed Nov 25, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Following Distance Indicator
Replies: 17
Views: 1275

Re: Following Distance Indicator

My son's Volvo has a light that comes on when you are following too close (it's an adjust able setting) to the vehicle in front of you. Do you know what other car makes offer this feature? From a quick Google search, it looks like Volvo has it and calls it Distance Alert. Mercedes calls theirs Dist...
by CRJPylote
Wed Nov 25, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Vanguard
Replies: 175
Views: 13160

Re: Not Experiencing Any Problems With Vanguard

The only issue I had was getting locked out of my account because I don't check it much. The rep on the other end was very helpful and it was resolved.

I have since modified my password practices.

Edit: I also don't agree with their ban on 3x products.
by CRJPylote
Thu Oct 29, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: Do I Need Norton Security (or similar)
Replies: 23
Views: 1137

Re: Do I Need Norton Security (or similar)

Left Norton behind long ago. Windows defender AND Malwarebytes free. Scan your computer manually once a month, avoid risky sites.

I do relatively high virus risk activities and I haven't gotten infected yet.
by CRJPylote
Fri Oct 23, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Chartering a flight on short notice?
Replies: 39
Views: 3900

Re: Chartering a flight on short notice?

Not talking down to 135 pilots, but they go to unfamiliar airports, have less direct FAA oversight, and usually have less legal and training requirements. Part 91 would be cheap. This often feels like the wild west! PP - ASEL / Cessna 150 If I was going to own a plane it would be a experimental thr...
by CRJPylote
Fri Oct 23, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Chartering a flight on short notice?
Replies: 39
Views: 3900

Re: Chartering a flight on short notice?

Make sure you aren’t swapping one obvious low risk (COVID) for a less obvious risk, netting out to more risk. Smaller planes have a much higher accident rate. Google around. That’s why you charter from a reputable part 135 operator. I apologize for my ignorance, but am I correct in assuming that I ...
by CRJPylote
Fri Oct 23, 2020 2:30 pm
Forum: Investing - Theory, News & General
Topic: 7 Reasons Not to Use a 100% Stock Portfolio - The White Coat Investor
Replies: 200
Views: 13654

Re: 7 Reasons Not to Use a 100% Stock Portfolio - The White Coat Investor

I'm very young(24) and just wanted to respond to this article as a 105% ish Stock investor. Point #1: I actually am slightly leveraged(indirect). in the HEDGEFUNDIE strategy and considering some PSLDX. Not sure how this is a reason against 100% stocks, its just a continuation of the idea that you ca...
by CRJPylote
Tue Oct 20, 2020 10:43 pm
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 73
Views: 7319

Re: Pilot, Highlander or CX-9

I'd not recommend CX-9. I bought a new CX-9 2011 and engine failed (after an internal water pump leak, engine light came on and after 5 mins car stopped) this happened just after the manufacturer warranty expired. Ouch! Do they even use the same engine? I Know my Mazda 3 2020 2.5 and the 2011 Mazda...
by CRJPylote
Tue Oct 20, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 73
Views: 7319

Re: Pilot, Highlander or CX-9

confusedinvestor wrote: Wed Jul 08, 2020 1:42 am I'd not recommend CX-9. I bought a new CX-9 2011 and engine failed (after an internal water pump leak, engine light came on and after 5 mins car stopped) this happened just after the manufacturer warranty expired. Ouch!
Do they even use the same engine?
by CRJPylote
Mon Oct 19, 2020 9:48 pm
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10922

Re: Convince us to buy our first luxury car!

Honestly why luxury? I drove 15+ year old car with crank windows and no safety features and have a 20' Mazda 3 with AWD now. My job also Involves a few times a week but not 9-5 long distance car travel. My new car is "luxury" enough, for me at least compared to where I came from. Why spend...
by CRJPylote
Fri Oct 16, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41824

Re: Items that are worth the money for the quality

Tires. I know many advocate for good tires, but its always worth repeating. How does one know that a tire is “good”? I usually use a aggregate of tire rack reviews, YouTube reviews, brand reputation(Michelin vs the cheapest brand at walmart) and price. I may also poke around auto forum's like Bob i...
by CRJPylote
Fri Oct 16, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41824

Re: Items that are worth the money for the quality

Tires. I know many advocate for good tires, but its always worth repeating.
by CRJPylote
Fri Oct 16, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5075
Views: 1323726

Re: What Book Are You Currently Reading? Part VI

If audio books count, The Stand by Stephen King. Picked it up in the spring and listen to it when I drive sometimes. Interesting book, not what I expected, first novel of his I've looked at. To summarize, starts out as the typical apocalypse plot, but gets into the human condition and the supernatur...
by CRJPylote
Fri Oct 16, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: Vaccine impact on market [prediction]
Replies: 20
Views: 1603

Re: Vaccine impact on market [prediction]

I'd say small gains as well. Market is forward thinking, multiple vaccines are underway, and one of them will likely be approved.

Avoiding politics as much as I can, I also increasingly don't think a vaccine will change the current situation in the US overnight anyway.
by CRJPylote
Fri Oct 16, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: TPMS(tire pressure monitoring system) lifespan
Replies: 96
Views: 6509

Re: TPMS(tire pressure monitoring system) lifespan

Eh, I can see it's benefits, but coming from a older car that didn't have it anyway (06') to a (20') model, I decided that $330 USD was too much for getting a second set of sensors for my winter tires, where I usually drive slower anyway due to snow. I got the tires for free and the 4 extra rims fo...
by CRJPylote
Thu Oct 15, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: TPMS(tire pressure monitoring system) lifespan
Replies: 96
Views: 6509

Re: TPMS(tire pressure monitoring system) lifespan

A working TPMS is an important and critical vehicle safety system. If your system is indicating a fault or a simple battery dead sensor get it repaired. Picking up a large nail at highway speed in traffic in the middle of a 5 mile long causeway bridge, like I did 2 weeks ago in our SUV, can be very...
by CRJPylote
Tue Oct 13, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Tesla Phantom braking
Replies: 28
Views: 2462

Re: Tesla Phantom braking

4. Now the car can read analog speed signs, which helps, but it still can't read digital speed signs... Sorry but I must ask. What's an analog speed sign? I imagine it must say something like "go kind of slow-ish around here" or "pretty fast compared to what you just did." I thi...
by CRJPylote
Tue Oct 13, 2020 7:19 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 5455

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

I have 5% "Play Money" but it is in the HEDGEFUNDIE 3x strategy not stocks. Looking at things like the NKLA news and other stocks that have fallen from grace, I think a individual stock is too risky. Personally once you are 100% equity, I'd rather leverage, and still have diversification.
by CRJPylote
Sat Oct 10, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Has anyone chartered a private jet? Need info. . .
Replies: 55
Views: 7151

Re: Has anyone chartered a private jet? Need info. . .

No security, regardless of airport. You will go through customs in some form internationally though. Netjets, Jetlinx, Wheels up, Xojet are all companies I've heard of but have not flown on personally(In the front or back). There's a reason most people don't do this however. The cost will far exceed...
by CRJPylote
Sat Oct 10, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance costs – USAA vs ????
Replies: 24
Views: 2429

Re: Auto insurance costs – USAA vs ????

I'm in tier 2(child of officer)and they have been good to me, in my 20's and I get excellent rates, relative to my peers and the quotes I've gotten online.
by CRJPylote
Fri Oct 09, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 103
Views: 7464

Re: Brake fluid replacement?

Personal experience, I didn't notice any effects for over 10 years on previous car(It was a family hand me down so I know the history) and the manual didn't say to change it. I noticed the brake pedal start getting softer on top(edit: after about 10-11 years if its life), I changed it. One small bub...
by CRJPylote
Mon Oct 05, 2020 6:25 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 555
Views: 77654

Re: Your USER NAME...what does it mean?

The CRJ is a 50 to 75 seat regional airline aircraft with a reputation for being slow, cheap, old and uncomfortable. Pylote is a sarcastic was to spell Pilot.
by CRJPylote
Sun Oct 04, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Robot vacuum cleaner for hardwood floor?
Replies: 46
Views: 4147

Re: Robot vacuum cleaner for hardwood floor?

I have a Roborock E25($200). Has extremely good inertial navigation(Not random), and preforms well. Works upstairs in our house even if there is some mess in the hallway. Has a mop attachment but I don't use it. Cons: The company is Chinese so data privacy or the Chinese government mapping your house.
by CRJPylote
Sat Oct 03, 2020 3:41 pm
Forum: Investing - Theory, News & General
Topic: Riding HEDGEFUNDIE’s excellent adventure
Replies: 71
Views: 16163

Re: Riding HEDGEFUNDIE’s excellent adventure

Start date: 9/03/2020 Approach: UPRO/TMF 50/50(not adapted until end of sept) Rebalancing frequency: Quarterly Return (total / YTD) 3.83%/3.83% Initial contribution: $200, although refined strategy(was in TQQQ for a bit in sept) and am up to $600 with $400 more on the way (5-6% of invested assets) A...