Bogleheads.org

Marseille07

So yes to my question (arrogant). Please disregard statistics too then, since many technical studies have a statistical basis. Indexing can blow up pretty bad too - we saw it in 2008, 2018, and 2020. Are people who follow indexing naive too? There is no point arguing with naysayers. If your TA unde...

Marseille07

I didn't say anything at all... maybe I should have, but I felt it would cause more harm than good and show a lack of trust. I am glad he told me because indeed if I found out he had been there, I probably would have raised the issue with his company. I think there's a bit of line between just work...

Marseille07

I'm asking this for feedback on what is the norm in other companies.. a coworker of mine went to Europe to see his relatives and stated he would work from there, they had to debate if they were going to allow it or not, the finally did but my manager said she made an exception because he was a good...

Marseille07

It's a personal decision. Some people do 120 - age in stocks, some people don't hold any, some people do 50/50.

Marseille07

What about instagram? Unfortunately It's difficult to help you since we don't know which photo you're talking about.

Marseille07

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Marseille07

You might be able to afford it if you aren’t saving for retirement and have no other expenses. That’s what I’m getting at. I think buying a 500k house at 150k a year income is insane. You are married to your mortgage. Edit: I’m taking into account taxes, saving 20+ % of gross for retirement and the...

Marseille07

See if this works any better: https://tineye.com/

Marseille07

By not dwelling on the past events you can do nothing about. At the end of the day we need to dust ourselves off and make money going forward. Not much point thinking woulda coulda shoulda.

Marseille07

The issue I am trying to explore is not necessarily how much money could be withdrawn but rather what would you do given the hypothetical case, how much money would you withdraw, how much would you cut back, when would you be comfortable increasing your spending again. But you said 3% WR so wouldn'...

Marseille07

I saw this about a week ago and changed my password accordingly. No email from them.

There's no malicious attempt from them, but it's possible they got hacked and secretly asking those who were impacted.

Marseille07

Just withdraw in a way to keep the same AA, or nudge toward it. This means you automatically withdraw more from bonds after a crash, which is what you want.

Marseille07

gwe67 wrote: ↑Fri Apr 16, 2021 5:28 pm Why not just scan it all? Doesn't take up much space....

You can't un-shred documents.

This is what I do. I bought ScanSnap and I've been scanning documents as well as books the last 5 months. I'm wrapping up this month. The best $400 I've ever spent.

Marseille07

Packy McCormick just had a great one on his “Not Boring” podcast. Excerpt: “On May 16, 2013, when Coinbase was less than a year old, I set up an account and bought my first bitcoin. I forget why, but.... I bought 10 BTC on May 16th, another 15 on June 14th, and another 13 on July 12th. That Septemb...

Marseille07

I thought e-copies would suffice. I already got rid of paper copies, not just 2017 but even more recent ones.

Marseille07

Stuff like this happens all the time, even more famous example: https://finance.yahoo.com/quote/NKLA?p=NKLA 25B val at one point, on 95K of annual revenue. I hate to say it but those who invested deserved to lose money on this. "Those who invested" is everyone who index invests, which is ...

Marseille07

Stuff like this happens all the time, even more famous example: https://finance.yahoo.com/quote/NKLA?p=NKLA

25B val at one point, on 95K of annual revenue. I hate to say it but those who invested deserved to lose money on this.

Marseille07

You mean just annualize today's gain? 1.0097^252 = 11.4 or 11,400%. :beer Generally you subtract 1 from that. But that won't be as a big of a number :P I'm a party pooper. Also, 10.4 is 1040%. Correct, 1,040%. I'll still take it, party pooper! Yeah, 1040% is alright but we want to time the market t...

Marseille07

jarjarM wrote: ↑Thu Apr 15, 2021 2:26 pm
Marseille07 wrote: ↑Thu Apr 15, 2021 2:22 pm
jarjarM wrote: ↑Thu Apr 15, 2021 2:20 pm
Vtsax100 wrote: ↑Thu Apr 15, 2021 1:52 pm Can someone post the annualized gain for today?
You mean just annualize today's gain? 1.0097^252 = 11.4 or 11,400%.
Generally you subtract 1 from that.
But that won't be as a big of a number

I'm a party pooper. Also, 10.4 is 1040%.

Marseille07

jarjarM wrote: ↑Thu Apr 15, 2021 2:20 pm
Vtsax100 wrote: ↑Thu Apr 15, 2021 1:52 pm Can someone post the annualized gain for today?
You mean just annualize today's gain? 1.0097^252 = 11.4 or 11,400%.

Generally you subtract 1 from that.

Marseille07

Stinky wrote: ↑Thu Apr 15, 2021 2:13 pm
lostdog wrote: ↑Tue Apr 13, 2021 1:36 pm Heading to the gym. We'll see if we have a melt up coming.
Are you at the gym today?

If not, please go now. We need a melt up!

+0.94% isn't enough?

Marseille07

YES!! I actually retired before I hit my number, although not in this market. My # was 40x. I decided to retire at 25x 3-4 years ago. My rationale was simply that market uncertainty was already built into my plan, but life uncertainty was not. I decided to enjoy what limited time I have left (hopef...

Marseille07

YES!! I actually retired before I hit my number, although not in this market. My # was 40x. I decided to retire at 25x 3-4 years ago. My rationale was simply that market uncertainty was already built into my plan, but life uncertainty was not. I decided to enjoy what limited time I have left (hopef...

Marseille07

If you hold bonds as ballast for equities then you need to maintain the same AA no matter how much. If you hold bonds in terms of expenses then there will be a point where you have enough. So you are saying you should maintain your AA, so for a 50/50 portfolio... ... that is 25X you have 12.5X in B...

Marseille07

I am curious what is your source for this statement? I have seen this a few times on this forum and I think it is misinformed. From a data perspective, over half of the states have adopted a form of the Uniform Premarital Agreements Act which codifies the validity of these agreements by statute and...

Marseille07

If you hold bonds as ballast for equities then you need to maintain the same AA no matter how much.
If you hold bonds in terms of expenses then there will be a point where you have enough.

Marseille07

Yes, though realistically no one quits on the day of hitting their number. Realistically one would stick around until the RSUs fully vest or receiving bonus or what have you. But the market conditions should not have any bearing on your decision.

Marseille07

OohLaLa wrote: ↑Wed Apr 14, 2021 2:44 pm
watchnerd wrote: ↑Wed Apr 14, 2021 2:27 pm
Marseille07 wrote: ↑Wed Apr 14, 2021 2:18 pm Why would you sell stocks on this news?
Wall Streeters pouring one out for the passing of a gangster.
"OG Bern", as he was known on the streets.

watchnerd got us. It wasn't his passing that caused the drop. The news came out much earlier in the day.

Marseille07

watchnerd wrote: ↑Wed Apr 14, 2021 2:27 pm
Marseille07 wrote: ↑Wed Apr 14, 2021 2:18 pm

Why would you sell stocks on this news?

Wall Streeters pouring one out for the passing of a gangster.

Good, I get to buy on the cheap.

Marseille07

watchnerd wrote: ↑Wed Apr 14, 2021 2:06 pm
JS-Elcano wrote: ↑Wed Apr 14, 2021 1:23 pm
rchmx1 wrote: ↑Wed Apr 14, 2021 1:08 pm It appears that someone is not working out hard enough at the gym today!
was there an announcement or some news that made the SP500 drop 0.5% in a few minutes?
Bernie Madoff passed away?

Why would you sell stocks on this news?

Marseille07

Coinbase is just an exchange isn't it? Nobody buys NDAQ (Nasdaq, Inc) to go long on NASDAQ-listed equities. Why should you for crypto? If you believe that crypto has a potential $100 trillion market cap and Coinbase is going to be the primary exchange, you’d want to get in before Coinbase’s potenti...

Marseille07

Coinbase is just an exchange isn't it? Nobody buys NDAQ (Nasdaq, Inc) to go long on NASDAQ-listed equities. Why should you for crypto?

Marseille07

Any news? Suddenly SPX went from +0.1% to -0.4% in 10 minutes. Wow.

Marseille07

ipdiddly wrote: ↑Wed Apr 14, 2021 9:29 am I strongly suspect that most divorces have numerous other serious underlying incompatibilities. There's a long laundry list: alcohol, drugs, gambling, abuse to name of few.

Some people really believe that Boglehead-style investing is gambling. I had to shake my head on that one.

Marseille07

Where are you getting that prenups are "thrown out all the time"? Do you have any statistics? Prenups are far more likely to be held up than not. Most of the "headlines" for prenups not holding up are unusual cases, like when Steven Spielberg had one signed on a napkin. Usually ...

Marseille07

Your choices are to do nothing and proceed or not buy the house. I don't see what you're getting at. Spouses who live in perfect marital harmony and eventually die together need not worry about pre or post nuptial agreements. Spouses who live in perfect marital harmony and eventually die together m...

Marseille07

The only great answer if you are the spouse with the inheritance and your spouse doesn't want to sign and there's no other way to come up with the down payment is to stay married. But given this scenario, I find it hard to imagine that the recalcitrant spouse would have signed a pre nuptial in eith...

Marseille07

I see your point, but disagree on both counts. But let us work with the home down payment hypothetical we're already discussing. Option 1) spouse signs post nup, everyone is slightly happy Option 2) spouse refuses to sign, no house is purchased today, everyone loses Option 3) spouse refuses to sign...

Marseille07

I see your point, but disagree on both counts. But let us work with the home down payment hypothetical we're already discussing. Option 1) spouse signs post nup, everyone is slightly happy Option 2) spouse refuses to sign, no house is purchased today, everyone loses Option 3) spouse refuses to sign...

Marseille07

What a great day, whoah!

Marseille07

Lee_WSP wrote: ↑Tue Apr 13, 2021 12:25 pm The same can be said of any contract. So I'm not sure what your point there is.

The difference is, a prenup is a conditional for marriage (i.e. if they don't sign the prenup, no marriage). By definition, a postnup won't work this way.

Marseille07

The words mean an agreement before marriage and an agreement after marriage. The only reason to make an agreement before marriage is generally to agree on how to split things, and historically it's been used to disenfranchise a less wealthy spouse. A post nuptial by broad definition is any agreemen...

Marseille07

Here's a question: why get married? I ask it not flippantly but in a very real sense. Put aside for a moment the laundry list of minor items that gets posted every time someone asks this question (visiting bedside at death, etc). If you cannot, for example, reach an agreement on early retirement or...

Marseille07

In cases where one spouse wants to retain the separateness of an asset post marriage, you'd typically, or wisely, make a post nuptial agreement. When prenups get thrown out all the time, I don't see postnups realistic. Separate assets must be separate from the get go and remain separate. With that ...

Marseille07

Here's a question: why get married? I ask it not flippantly but in a very real sense. Put aside for a moment the laundry list of minor items that gets posted every time someone asks this question (visiting bedside at death, etc). If you cannot, for example, reach an agreement on early retirement or...

Marseille07

In cases where one spouse wants to retain the separateness of an asset post marriage, you'd typically, or wisely, make a post nuptial agreement. When prenups get thrown out all the time, I don't see postnups realistic. Separate assets must be separate from the get go and remain separate. With that ...

Marseille07

Even the best drafted prenup is not going to save you from poorly made choices (such as commingling funds such that you can no longer tell who contributed what). I think this is the sad reality. The best protection is to separate everything, then keep demanding some form of split payment on expense...

Marseille07

Former employer's plan was $0/mo, now I think I'm paying $20/mo for a PPO plan.

Marseille07

Yes, it's 4% of my AA value. The idea is, 4% of my "number" would pay the biggest tax bill I've ever faced, so I'm operating accordingly before hitting the number.

Marseille07

Sounds fine. You can place market orders with confidence. The APs got your back. Worst comes worst, 40x becomes 39x. But I want more shares cheaper.... It takes the fun out of it, otherwise. I don't get this kind of entertainment value out of big ETFs like VT. Whoa, yeah this is very illiquid. Pers...

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