Search found 2331 matches

by GoldenFinch
Mon Apr 19, 2021 7:41 pm
Forum: Personal Investments
Topic: Horrible market timer, looking to become a boglehead
Replies: 15
Views: 1847

Re: Horrible market timer, looking to become a boglehead

Don’t beat yourself up and don’t look back. You are very young and you are doing well. Many people here wish they found Bogleheads when they were only 36. Look into setting up automatic investments so you don’t have to think about when to buy. Regarding selling, only sell when you need the money, no...
by GoldenFinch
Sat Apr 17, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 134
Views: 10555

Re: How to make strong coffee equivalent to Starbucks for cheaper?

Folgers? You probably haven't been chastised enough for that decision. Folgers is what people who don't drink coffee keep in their house for guests. LOL. Yeah. At least the passive aggressive ones. :D Folgers is like time traveling back to the previous century. :twisted: The best way to get more ca...
by GoldenFinch
Thu Apr 15, 2021 9:40 am
Forum: Personal Finance (Not Investing)
Topic: I wish I Knew Then What I Know Now
Replies: 33
Views: 3715

Re: I wish I Knew Then What I Know Now

Cheez-It Guy wrote: Thu Apr 15, 2021 9:12 am Wish I didn't know now what I didn't know then. . .
So true, Cheez-it Guy, so true.
by GoldenFinch
Thu Apr 15, 2021 3:36 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 260
Views: 13958

Re: What’s the problem with dividends?

^^Great synopsis and example JustinR.
by GoldenFinch
Sat Apr 10, 2021 9:01 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 2940

Re: walking shoes with wide toes?

bumbojumbo wrote: Sat Apr 10, 2021 4:55 pm +1 Altra. They are also comfortable for regular feet.
I love these shoes! I wear them to the gym and for walks and they are the best athletic shoes I’ve ever had. I wish I had found them sooner. I highly recommend them. I have noticed that several fitness trainers at the gym wear them too.
by GoldenFinch
Fri Apr 09, 2021 7:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 101
Views: 8361

Re: Vanguard Portfolio Watch has a new look

Pretty strange that they can’t get the whole thing right considering it is not exactly computer programming rocket science. I think they would have to pay for more data feeds and staff to manage those data feeds, so a place with rock-bottom expenses does not want to do that. Everything is easy if y...
by GoldenFinch
Fri Apr 09, 2021 7:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 101
Views: 8361

Re: Vanguard Portfolio Watch has a new look

... So basically if you updated all of your other brokerage accounts to Vanguard you weren’t getting a correct idea of your asset allocation to large, mid and small cap stocks. ... It is still wrong because it includes only US equities and not international/foreign equities in one's portfolio. Yes,...
by GoldenFinch
Fri Apr 09, 2021 7:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 101
Views: 8361

Re: Vanguard Portfolio Watch has a new look

I didn’t read the whole thread, so maybe someone already mentioned this, but the new portfolio watch is more accurate in one respect. It now breaks down Schwab Total Stock market and other Schwab funds properly. Befeore it was listing all of SWTSX as a large cap fund. So basically if you updated all...
by GoldenFinch
Sun Apr 04, 2021 4:41 pm
Forum: Personal Investments
Topic: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?
Replies: 120
Views: 12712

Re: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?

I have been becoming steadily more aggressive, although it is getting harder because it has worked well to date. But I also keep a Bernstein size amount in Safe Fixed Income so I have the ability to take more risk. Just don't see any reason to increase the amount I have in fixed income. What is a B...
by GoldenFinch
Sat Apr 03, 2021 5:48 pm
Forum: Personal Investments
Topic: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?
Replies: 120
Views: 12712

Re: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?

I have been becoming steadily more aggressive, although it is getting harder because it has worked well to date. But I also keep a Bernstein size amount in Safe Fixed Income so I have the ability to take more risk. Just don't see any reason to increase the amount I have in fixed income. What is a B...
by GoldenFinch
Sat Apr 03, 2021 4:28 pm
Forum: Personal Investments
Topic: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?
Replies: 120
Views: 12712

Re: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?

I have everything automated. Not changing anything. Not worried. If the market goes up, I like it. If the market goes down, I get to buy low, so that’s good too. The glass is always half full.
by GoldenFinch
Fri Apr 02, 2021 7:45 pm
Forum: Personal Investments
Topic: Advice on investing additional $30,000 ...
Replies: 13
Views: 1662

Re: Advice on investing additional $30,000 ...

I agree with retired@50. If it were me, I would put 20 in taxable in VTSAX and 10 in the 529s. Good luck with your decision.
by GoldenFinch
Mon Mar 29, 2021 7:01 pm
Forum: Personal Investments
Topic: VTSAX in taxable acct. Cpl questions
Replies: 10
Views: 1083

Re: VTSAX in taxable acct. Cpl questions

You’ve been a Boglehead as long as me! Time to read up on tax loss harvesting. :happy
by GoldenFinch
Mon Mar 29, 2021 6:58 pm
Forum: Personal Investments
Topic: VTSAX in taxable acct. Cpl questions
Replies: 10
Views: 1083

Re: VTSAX in taxable acct. Cpl questions

I think for 4 you want the HIGHEST share price at purchase time and greater than one year old because that will be the lowest gain for tax purposes and gain will be long term. Thanks, that makes sense but what if the share price of VTSAX just keeps going higher and higher over the years? Won't I ta...
by GoldenFinch
Mon Mar 29, 2021 6:52 pm
Forum: Personal Investments
Topic: VTSAX in taxable acct. Cpl questions
Replies: 10
Views: 1083

Re: VTSAX in taxable acct. Cpl questions

I think for 4 you want the HIGHEST share price at purchase time and greater than one year old because that will be the lowest gain for tax purposes and gain will be long term.
by GoldenFinch
Mon Mar 29, 2021 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Is a "fiduciary" Worth it?
Replies: 10
Views: 767

Re: Is a "fiduciary" nonsene?

Also, it sort of implies that other financial advisors who are not fiduciaries are not acting in the clients best interest and that the industry needs a term for doing so. Sort of a turn-off all the way around if you ask me.

I like coming here for sound financial advice.
by GoldenFinch
Sat Mar 27, 2021 9:16 pm
Forum: Investing - Theory, News & General
Topic: Lake Wobegon's nefarious sister city
Replies: 31
Views: 3741

Re: Lake Wobegon's nefarious sister city

Deleted. Accidentally submitted twice.
by GoldenFinch
Sat Mar 27, 2021 9:15 pm
Forum: Investing - Theory, News & General
Topic: Lake Wobegon's nefarious sister city
Replies: 31
Views: 3741

Re: Lake Wobegon's nefarious sister city

Some do outperform. Index investors outperform roughly 75% of investors by capturing market return at the lowest cost. So market average is then better than average? By simply capturing the index you happen by default to actually be above the average investor? My head is spinning like Keanu Reeves,...
by GoldenFinch
Wed Mar 24, 2021 12:31 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 120
Views: 10246

Re: Men's Cologne

I figured this thread was coming back to discuss how nice it has been working from home and only having to smell what YOU want. And dreading the return to the office. So sad to read posts by some folks who said 'you get used to smells fast, blah, blah' well sure, but that’s YOU, around it continuou...
by GoldenFinch
Wed Mar 24, 2021 9:07 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 120
Views: 10246

Re: Men's Cologne

I figured this thread was coming back to discuss how nice it has been working from home and only having to smell what YOU want. And dreading the return to the office. So sad to read posts by some folks who said 'you get used to smells fast, blah, blah' well sure, but that’s YOU, around it continuou...
by GoldenFinch
Wed Mar 24, 2021 9:02 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 120
Views: 10246

Re: Men's Cologne

Skip the cologne. Who are you trying to impress anyways? A Masculine Scent that other people would want to smell on you is probably an oxymoron. Nobody - especially the opposite sex - wants to smell a truly masculine scent on anybody. So you will likely end up smelling like a bunch of chemicals tha...
by GoldenFinch
Tue Mar 23, 2021 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22396

Re: What is an average retirement a/c worth in America ?

Just read posts here about windfalls of 2M in mid 30s or a 6 figure portfolio at 23 etc. At 23, I wasn't destitute but my "portfolio" was a used car, and a few thousand in the bank OK, but if you think that is typical, then you have a different definition of typical than I do. Do you read...
by GoldenFinch
Tue Mar 23, 2021 12:57 pm
Forum: Personal Investments
Topic: Advice Please on Income Investments - Starting Fresh
Replies: 35
Views: 1519

Re: Advice on Investing Large Sum with Market at All-time High

Very soon after you invest the money, you won’t think about it any differently than the rest of your invested money. Somehow pulling the trigger on these types of large investments is psychologically difficult until the moment after you actually do it. After it’s done, it’s actually a bit “freeing” ...
by GoldenFinch
Fri Mar 19, 2021 11:33 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 178
Views: 15381

Re: People with Covid-19 vaccination record cards: where are you keeping them?

So do they give you a card after your second shot? We have first shot appointments for Tuesday. I haven’t heard about a card though.
by GoldenFinch
Sun Mar 07, 2021 7:18 am
Forum: Investing - Theory, News & General
Topic: "Make Fewer Things Matter: My Epiphany From Cutting A Pineapple" Pineapple"
Replies: 26
Views: 4156

Re: "Make Fewer Things Matter: My Epiphany From Cutting A Pineapple" Pineapple"

Although I agree that you can simplify your life by not paying attention to the details, if you have the time and interest, it’s can pay off quite a bit to tighten things up in your portfolio. If you think about all of the graphs showing how expense ratios cut into returns over time, you can imagine...
by GoldenFinch
Thu Mar 04, 2021 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryforwards
Replies: 29
Views: 1578

Re: Tax Loss Carryforwards

I am saving losses to use against income. Are you saying you have more losses than you can possibly use against income, even with infinite carry forwards? I believe you can only use the loss carryforwards against capital gains, not income, other than the $3,000 per year which at that rate will take...
by GoldenFinch
Thu Mar 04, 2021 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryforwards
Replies: 29
Views: 1578

Re: Tax Loss Carryforwards

^^Thank you livesoft.
by GoldenFinch
Thu Mar 04, 2021 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryforwards
Replies: 29
Views: 1578

Re: Tax Loss Carryforwards

Just remember that inflation eats up the value of carryover losses. So is it better to use them up sooner? I never thought about inflation. Is tax gain harvesting earlier the way to go? Or should a person just wait until they need/want to sell some taxable equities for gains. (I am feeling very dum...
by GoldenFinch
Thu Mar 04, 2021 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryforwards
Replies: 29
Views: 1578

Re: Tax Loss Carryforwards

I have substantial losses as well and am thinking about this issue. The problem is that the losses expire after 20 years. So if you subtract your 3,000 carry forward for 20 years (60k), you have the rest to use up. Don’t let them expire! I have a lot that will expire starting in the next few years,...
by GoldenFinch
Thu Mar 04, 2021 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryforwards
Replies: 29
Views: 1578

Re: Tax Loss Carryforwards

I have substantial losses as well and am thinking about this issue. The problem is that the losses expire after 20 years. So if you subtract your 3,000 carry forward for 20 years (60k), you have the rest to use up. Don’t let them expire! I have a lot that will expire starting in the next few years, ...
by GoldenFinch
Mon Mar 01, 2021 12:02 pm
Forum: Investing - Theory, News & General
Topic: Will Boglehead philosophy - 3 fund portfolio ever become obsolete?
Replies: 51
Views: 4480

Re: Will Boglehead philosophy - 3 fund portfolio ever become obsolete?

In our lifetime? I’m not worried about Boglehead philosophy becoming obsolete.

If there is some paradigm shift in how the stock market works at some point, I’m sure Bogleheads will use their collective brainpower and find an intelligent way to adapt.
by GoldenFinch
Fri Feb 26, 2021 10:35 pm
Forum: Personal Consumer Issues
Topic: USPS Postmarks on Envelopes
Replies: 38
Views: 3447

Re: USPS Postmarks on Envelopes

None of my mail arrives post marked anymore! I noticed this recently and thought it was strange.
by GoldenFinch
Fri Feb 26, 2021 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse leaving company I also work for – how to handle?
Replies: 32
Views: 3907

Re: Spouse leaving company I also work for – how to handle?

You know you are leaving. Tell your boss what is going on. Your boss will know sooner or later anyway. It’s not as if this is an unheard of situation. Being secretive about it will be a negative in the long run.
by GoldenFinch
Thu Feb 25, 2021 4:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22941
Views: 3009396

Re: U.S. stocks in free fall

Vtsax100 wrote: Thu Feb 25, 2021 3:38 pm Good thing I don’t need to sell today or for the foreseeable future. Backing up the truck.

:sharebeer
Sometimes I think I’m reading a truck driver forum...
by GoldenFinch
Tue Feb 23, 2021 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: too much in 401k may be forced to quit job
Replies: 183
Views: 16834

Re: too much in 401k may be forced to quit job

It never even occurred to me that an employer could see an employee's balance beyond annual contributions. Stock plan admins could probably see it if they wanted to, but they're obviously supposed to keep it private. The company that administers the plan can see balances and the sponsor of the plan...
by GoldenFinch
Sat Feb 20, 2021 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Revealing net worth
Replies: 251
Views: 16561

Re: Revealing net worth

The further I continue down the journey of life, the more I realize net worth is best to keep private. Unfortunately I have seen more stress and bad moments than good. Best. Tony We don't get to know the size of your truck :confused http://4.bp.blogspot.com/-Ln2KcI2X5O4/UnMupKamLAI/AAAAAAAAV1c/Fk7U...
by GoldenFinch
Sat Feb 20, 2021 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cash: a survey
Replies: 95
Views: 6328

Re: Cash: a survey

1. <1%
2. 2 months
3. Accumulating
by GoldenFinch
Thu Feb 18, 2021 12:38 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18534

Re: Any Boglehead Lessons From the Texas Winter Storm?

Thank you for this great post! I’m glad you have power now and hope it continues.
by GoldenFinch
Mon Feb 15, 2021 3:11 pm
Forum: Personal Investments
Topic: Talk me into paying off my mortgage...
Replies: 61
Views: 9704

Re: Talk me into paying off my mortgage...

If I were in your situation I would pay it off and forget about it.
by GoldenFinch
Sun Feb 14, 2021 8:59 pm
Forum: Personal Consumer Issues
Topic: Computer Experts: Asus X512DA laptop only boots to bios
Replies: 17
Views: 908

Re: Computer Experts: Asus X512DA laptop only boots to bios

Common problem with that model laptop.

If your BIOS changes didn’t work, the SSD probably died. Take it back and and see if it’s under warranty. If not, you can get a replacement SSD hard drive for between 50 and 220 dollars depending on type and size.
by GoldenFinch
Mon Feb 08, 2021 6:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22941
Views: 3009396

Re: U.S. stocks in free fall

Marseille07 wrote: Mon Feb 08, 2021 6:13 pm /es red at last! My signal going vrooom vroooom!
What is this “/ es” of which you speak?

I think I know, but maybe lots of people don’t speaketh the lingo. (And, of course, I might be wrong.) :happy
by GoldenFinch
Mon Feb 08, 2021 4:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22941
Views: 3009396

Re: U.S. stocks in free fall

S&P is up 75% from March low. Holy cow.
by GoldenFinch
Fri Feb 05, 2021 8:20 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 226
Views: 28197

Re: The front page is ugly

I like it the way it is. Anyone notice that this thread is more than two years old? :happy
by GoldenFinch
Thu Feb 04, 2021 12:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14654
Views: 1126548

Re: U.S. stocks continue to soar!

Independent George wrote: Thu Feb 04, 2021 12:30 pm Wait a sec - I'm getting lost.

Does backing the truck up mean you're in (backing into the loading dock to fill it) or out (backing away from the market)?
I was starting to wonder the same thing. I think we need more details!
by GoldenFinch
Wed Feb 03, 2021 2:07 pm
Forum: Personal Investments
Topic: Can you defer taxes on EE savings bonds an extra year after maturity?
Replies: 19
Views: 1363

Re: Can you defer taxes on EE savings bonds an extra year after maturity?

dumb related question. How does Treasury Direct report that interest to you? A 1099 of some flavor? I just "converted" 17 old bonds to digital and one hit maturity-the rest will be next year. *not a huge fan of the Treasury Direct website. The 1099 will be in your TD account after you log...
by GoldenFinch
Mon Feb 01, 2021 9:12 pm
Forum: Investing - Theory, News & General
Topic: Gamestop and AMC as percentage of market
Replies: 15
Views: 2033

Re: Gamestop and AMC as percentage of market

It bothers me a little that Tesla represents as much of the total market as it does. I actually thought it would be less. Yikes!
by GoldenFinch
Thu Jan 28, 2021 12:27 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4570
Views: 230182

Re: Is Game Stop, AMC etc affecting Bogleheads?

I've never even heard of it until I saw the name here a few days ago. I still don't know what it is. A company that makes video games? :?: Why is it a big deal? Game Stop is the store in a nearby strip mall that my 11 year old rides his bike to so he can buy used Pokémon games for the old Gameboy (...
by GoldenFinch
Thu Jan 28, 2021 6:27 am
Forum: Investing - Theory, News & General
Topic: Has Bogleheads lost its direction?
Replies: 331
Views: 29665

Re: Has Bogleheads lost its direction?

Fear not. Temporary issue. It’s January, a lot of what we do in normal life is closed down, people are bored. So maybe it’s a distraction. Better than some other news distractions I can imagine. It will most likely end very soon too, so we will be back to the comfort of the usual. We haven’t discuss...
by GoldenFinch
Mon Jan 25, 2021 3:20 pm
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 6390

Re: Happy 97th Birthday, Taylor Larimore

Happy Birthday Mr. Larimore!🎂

(My Great Aunt just turned 97 and she is wonderful too, so you are in very good company birthday-wise and otherwise!)

I hope you have a wonderful day!