Search found 2409 matches

by surfstar
Thu Feb 04, 2021 4:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 13299
Views: 1028551

Re: U.S. stocks continue to soar!

New ATH today!! Now if only we can repeat this for the rest of feb. Hoping for 20% gains by the end of feb. ...for...what? So then you'll invest your cash after losing out on 20% gains? Are you "all-in" still at 25%? I haven't seen the latest. Wait, I get it - you're trying reverse psycho...
by surfstar
Thu Feb 04, 2021 4:11 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 450
Views: 29056

Re: The Power of Working Longer

THE POWER OF WORKING LONGER - Gila Bronshtein, Jason Scott, John B. Shoven, & Sita N. Slavov NBER Working Paper THE DANGER OF WORKING LONGER No one knows when they are going to die. That's it, that's my book. One sentence. I'm going to add it to my one sentence book collection of which I have o...
by surfstar
Thu Feb 04, 2021 2:46 pm
Forum: Personal Investments
Topic: Would love feedback- burned out at work
Replies: 50
Views: 6002

Re: Would love feedback- burned out at work

You have zero need to work anymore. You should not continue working if it no longer provides a utility - #1 is money for 99.99% of people - that no longer applies to you. #2 fulfillment, enjoyment, etc, etc. Take some time off. Figure out what you want to do with your family and your future. Work sh...
by surfstar
Wed Feb 03, 2021 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage solicitation
Replies: 7
Views: 473

Re: Mortgage solicitation

I didn't like when I spoke with Amerisave for just trying to get a refi quote - they (at least the person I talked to) were equivalent to a pushy car salesperson. Got a better rate elsewhere anyways. Amerisave isn't a scam company, though, and many have used them. Please peruse the Refinance Mega Th...
by surfstar
Mon Feb 01, 2021 4:57 pm
Forum: Personal Investments
Topic: What to do with GME holdings?
Replies: 94
Views: 10326

Re: What to do with GME holdings?

Take advantage of the current change in the stock market. Millennials are coming in. The concept of 'stock market' is radically different from what it used to be. The oldest millennials are like 40, millennials have been here a long time. Yules Yep. I'm a millenial, 40 and have been around since 20...
by surfstar
Mon Feb 01, 2021 4:53 pm
Forum: Investing - Theory, News & General
Topic: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“
Replies: 890
Views: 57363

Re: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“

All it took was a down/quiet GME day and the Bitcoin threads get action!

TSLA to follow suit.
by surfstar
Fri Jan 29, 2021 2:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22460
Views: 2970622

Re: U.S. stocks in free fall

Don't worry, despite it being "payday" our 457b investments are sent via... a mailed in check. Yes. In 2021. With ~1,000 employees.
I fully expect the couple of down days to reverse themselves in short order, just in time for my contribution to hit.
by surfstar
Fri Jan 29, 2021 12:06 pm
Forum: Personal Investments
Topic: I bought individual casino stocks and made money, is that irony?
Replies: 9
Views: 413

Re: I bought individual casino stocks and made money, is that irony?

You bought low. Nicely done.

Don't forget to sell high, though.
by surfstar
Fri Jan 29, 2021 11:36 am
Forum: Personal Investments
Topic: Ally Bank Invest (Temporarily Shutdown)
Replies: 15
Views: 1949

Re: Ally Bank Invest (Temporarily Shutdown)

So far Vanguard has been about the most bullet-proof oddly. I think the reason is there are almost no day traders on the platform. But, even Vanguard had issues with updating NAVs the other night, probably related. Funny, I just assumed that Vanguard didn't offer $0 commission stock trades. Had to ...
by surfstar
Thu Jan 28, 2021 3:42 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4168
Views: 203977

Re: TD Ameritrade & Robinhood restrict trading of GameStop and AMC stock

Before this GME ordeal, I thought "gamification" of stocks was just a made up thing. However, the chaos and disruption of orderly pricing has proved that it is a real problem. The purpose of stock markets is to allow companies to raise capital and for investors to participate in the econo...
by surfstar
Thu Jan 28, 2021 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10069
Views: 713826

Re: Refinance Mega Thread

I just got off the phone with Interactive Mortgage. My loan lock will expire on Feb 5, but the earliest the appraisers can come out is Feb 16. I'm in the SF bay area, so it has always been a crazy market. Is there anything I can do here to keep my 15 year / 1.99 % refi attempt alive? I said that ot...
by surfstar
Thu Jan 28, 2021 12:58 am
Forum: Investing - Theory, News & General
Topic: Has Bogleheads lost its direction?
Replies: 331
Views: 29538

Re: Has Bogleheads lost its direction?

Which $5k watch is best?

Or $40k engagement ring?
by surfstar
Wed Jan 27, 2021 3:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22460
Views: 2970622

Re: U.S. stocks in free fall

bugleheadd wrote: Wed Jan 27, 2021 3:07 pm
rockstar wrote: Wed Jan 27, 2021 3:04 pm Is everyone selling everything to buy Game Stop? This is ridiculous.
the market consists of GME, AMC, NOK, BBBY, BB right now
Feels like just a distraction from bitcoin and tesla, not to mention the pandemic.

A new flashy-shiny thing to look at! It is entertaining.
by surfstar
Wed Jan 27, 2021 12:08 am
Forum: Personal Consumer Issues
Topic: Alternative speculative asset - digital trading cards (NBA Top Shot)
Replies: 79
Views: 4722

Re: Alternative speculative asset - digital trading cards (NBA Top Shot)

I'm calling the Topps!!!

Image


Hold on, I'm going to inject some blockchain into the stale bubblegum in my 1980s baseball cards and sell them for $25k.

This is seriously getting ridiculous. :oops:
by surfstar
Tue Jan 26, 2021 11:53 pm
Forum: Personal Consumer Issues
Topic: Anyone know Paypal well?
Replies: 26
Views: 1399

Re: Anyone know Paypal well?

I'd be HIGHLY suspicious of this transaction, and I'm someone who has bought and sold vehicles on CL (Craigslist) and ebay. And I also don't mind traveling for a deal on a purchase like this. If you plan to go through with it - only agree to send a deposit via paypal, to hold the vehicle for however...
by surfstar
Tue Jan 26, 2021 11:36 pm
Forum: Personal Consumer Issues
Topic: Alternative speculative asset - digital trading cards (NBA Top Shot)
Replies: 79
Views: 4722

Re: Alternative speculative asset - digital trading cards (NBA Top Shot)

Ok, is this the top?

When GME speculation suddenly seems sensible.
by surfstar
Tue Jan 26, 2021 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs. buy a home for one year
Replies: 25
Views: 1480

Re: Rent vs. buy a home for one year

This isn't even a question.

Rent.

NEVER assume ANY investment (a home isn't an investment BTW) will continue to go up, based on past results.

Any if you have $800k of cash just sitting around - are you really needing to risk a 10% return on it? Throw it in the market, and rent.
by surfstar
Tue Jan 26, 2021 6:13 pm
Forum: Personal Consumer Issues
Topic: Would you want a sidewalk or no?
Replies: 47
Views: 3570

Re: Would you want a sidewalk or no?

Having a sidewalk makes it much easier when taking neighborhood walks. Not just for getting kids to school.

OP - Does no one in your neighborhood walk or jog? Nice to not have to drive to a park/open space to get to walk in fresh air.
by surfstar
Mon Jan 25, 2021 5:05 pm
Forum: Personal Investments
Topic: Not Comfortable With The Current Stock Market Valuation
Replies: 45
Views: 2818

Re: Not Comfortable With The Current Stock Market Valuation

My allocation is 50/50. When stocks are up, I cheer. When bonds are up, I cheer. I absolutely never ask about going to cash. Cash never goes up. Cash has outperformed bonds 34% of the time, stocks 30% of the time. both 10% of the time since 1926: https://awealthofcommonsense.com/2018/11/when-cash-o...
by surfstar
Sun Jan 24, 2021 3:53 pm
Forum: Personal Consumer Issues
Topic: Recon ranger 1000w bicycle ...what do u think?
Replies: 9
Views: 545

Re: Recon ranger 1000w bicycle ...what do u think?

OP, spend hours reading reviews. Is the more finished look of that bike, worth more than something like a Juiced Rip Current? Compare components also. My first ebike was a Stromer ST1, that I got a deal on from Crazy Lenny's. Ended up having trouble and getting parts/service was a PITA. Eventually g...
by surfstar
Fri Jan 22, 2021 10:24 am
Forum: Personal Finance (Not Investing)
Topic: What defines being successful?
Replies: 50
Views: 2786

Re: What defines being successful?

Start here: https://www.youtube.com/watch?v=KSyHWMdH9gk Then maybe explore some mindfulness ala Sam Harris. We're not fulfilled by working. Making money is simply our way to get to the next step - early retirement. Hopefully 45-50 ages. In the meantime we do what we enjoy on the weekends (although s...
by surfstar
Thu Jan 21, 2021 12:52 pm
Forum: Investing - Theory, News & General
Topic: GMO 7 year forecast for Asset classes
Replies: 22
Views: 1402

Re: GMO 7 year forecast for Asset classes

How Did GMO Asset Return Forecasts Actually Turn Out? 2011-2018 https://www.mymoneyblog.com/gmo-asset-return-forecasts-vs-actual-returns-2011-2018.html Some quick and simple observations: US Large-Cap and US Small-Cap stocks did a lot better than forecasted. Compounded over the full 7 years, the di...
by surfstar
Thu Jan 21, 2021 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating Social Security benefits
Replies: 11
Views: 940

Re: Estimating Social Security benefits

Question, is the benefit based that you continue working until that year? Or if you retire now, say 15 years earlier, it would be much less, correct? Correct. They assume you work until drawing SS. There are different calculators that let you estimate benefits if you stop early, though. I remember ...
by surfstar
Thu Jan 21, 2021 11:42 am
Forum: Personal Consumer Issues
Topic: Engagement Ring
Replies: 140
Views: 7826

Re: Engagement Ring

Tiffany is all about the name. But let's be real, so is the cost of the engagement ring - it's all how its perceived that is paramount. Like it or not, there is a real subjective value for many (?most?) for showing this type of expenditure for the engagement ring. Meaning it's more than just a busi...
by surfstar
Wed Jan 20, 2021 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating mortgage interest deduction after a refinance
Replies: 10
Views: 1392

Re: Calculating mortgage interest deduction after a refinance

Nevermind - I see you already referenced Pub 936, which should give you the $775k average to use.
by surfstar
Mon Jan 18, 2021 1:29 am
Forum: Personal Investments
Topic: Car note ending, saving for next car
Replies: 29
Views: 2775

Re: Car note ending, saving for next car

I would make the additional contribution to max my 401k, knowing that I had several years to rebuild the car fund and could use Roth contributions if worst came to worst. I second this. Max 401k first. Cash-flow future car payment when/if needed. Boost your retirement accounts early and let compoun...
by surfstar
Sat Jan 16, 2021 10:24 pm
Forum: Personal Consumer Issues
Topic: Real reviews of Gas Hot water heaters
Replies: 31
Views: 2251

Re: Real reviews of Gas Hot water heaters

The whole anode rod replacement thing was unknown to me before bogleheads. I've researched it a bit on TerryLove also, and will not be changing the anode on a recently installed WH. I might drain 1-2x a year, though. Our old one came with the home - it was a 6 year warrantied Rheem and it lasted 12 ...
by surfstar
Sat Jan 16, 2021 9:59 pm
Forum: Personal Consumer Issues
Topic: Secure email provider
Replies: 23
Views: 1921

Re: Secure email provider

Cool. I don't think I'm special enough that anyone cares that much about me, though. I don't purchase items through online ads, either, and access tons of free content - youtube, podcasts, etc. I figure them selling ads using my data is how I 'pay'. *shrug* If I ever did something heinous enough th...
by surfstar
Fri Jan 15, 2021 9:25 pm
Forum: Personal Consumer Issues
Topic: Secure email provider
Replies: 23
Views: 1921

Re: Secure email provider

Gmail does not scan your emails for ads. This concern is overblown. I agree with the technical bits, but disagree with your overall perspective. Chicago a year ago told Google, give us everything you have on this suspect[0]. And as we know, Google keeps everything possible about you, not just email...
by surfstar
Fri Jan 15, 2021 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Intentionally Paying Too Much Taxes to Buy I Bonds
Replies: 35
Views: 3929

Re: Intentionally Paying Too Much Taxes to Buy I Bonds

So that’s twelve separate bonds? 4 x $1000, 1 x $500, 1 x $200, and 6 x $50? Considering I plan to hold on to these for decades, that’s not really ideal. It's not so bad. I have photographs of the bonds (for the serial numbers) electronically stored in two safe places, the serial numbers are stored...
by surfstar
Fri Jan 15, 2021 1:40 pm
Forum: Personal Investments
Topic: Tesla Stock. Need Help? Update
Replies: 59
Views: 5560

Re: Tesla Stock. Need Help? Update

Congrats. This will be quite hard behaviorally. By not listening to the BH advice, you've created even more outsized gains. But - at what point do you lock them in? Hold until retirement? Sell all now? Half now? Tough decisions. Easier for me as I don't hold single stocks. The FOMO isn't that great,...
by surfstar
Fri Jan 15, 2021 1:37 pm
Forum: Investing - Theory, News & General
Topic: Looking for stats: Average/Median age when $1M networth (household) is attained?
Replies: 63
Views: 7765

Re: Looking for stats: Average/Median age when $1M networth (household) is attained?

Lets tease it out more - no inheritances allowed, higher education must be self-funded (scholarships are fine, but parents footing the bill is a large monetary gift), no gifted home down-payment, etc, and rerun the numbers... I'd wager that would increase the median boglehead age a bit and again, a ...
by surfstar
Fri Jan 15, 2021 10:54 am
Forum: Personal Consumer Issues
Topic: Home comfort mystery
Replies: 33
Views: 3428

Re: Home comfort mystery

Just wear layers, save money and the planet. Some things, like winter, require accommodation and acceptance. The winter I spent in Juneau was snowy. The first time we shoveled the roof I complained, but by the second time, I had accepted it as a reality and was much happier (less miserable). This. ...
by surfstar
Thu Jan 14, 2021 11:45 pm
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 197
Views: 10725

Re: On what are you most bullish?

Savings rate.
by surfstar
Thu Jan 14, 2021 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Checking/savings account yielding >1% ?
Replies: 27
Views: 3537

Re: Checking/savings account yielding >1% ?

Capiltal One 360 is offering $400 checking bonus with easy to meet qualifications
https://www.capitalone.com/bonus400/
by surfstar
Thu Jan 14, 2021 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I walk away from nice pension? Is it worth it?
Replies: 48
Views: 6526

Re: Should I walk away from nice pension? Is it worth it?

Oh, HECK NO!
Lose all that PTO and pension?

Work-life BALANCE -- as in work shouldn't exceed 50% ;)

Additionally - health insurance costs? Possible retiree healthcare?
by surfstar
Wed Jan 13, 2021 10:26 pm
Forum: Personal Consumer Issues
Topic: time for a new car
Replies: 55
Views: 6732

Re: time for a new car

Assuming the car I want is the exact same price in July as it is now (I know we don’t know for sure but just for discussion sake) do I gain anything from waiting? For example if I want Netflix and I don’t get it until July then I save 6 months of monthly fees. It’s easy to calculate the savings. Do...
by surfstar
Wed Jan 13, 2021 6:14 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 126
Views: 20771

Re: Help Me [Recover] My Bitcoin!

I just used my 12 word phrase to get me into my blockchain wallet again. However, the .05 bitcoin that I have the address for and is mine is not in my blockchain wallet. My wallet shows that I have zero bitcoin. Any ideas would be appreciated. Maybe it fell out of the wallet - did you check on the ...
by surfstar
Tue Jan 12, 2021 2:12 pm
Forum: Investing - Theory, News & General
Topic: 2020 was a great year for individual stock pickers
Replies: 63
Views: 4858

Re: 2020 was a great year for individual stock pickers

RE: 2020 was a great year for individual stock pickers

This just in: My brother always wins at blackjack when he tells me how he did.
by surfstar
Mon Jan 11, 2021 3:25 pm
Forum: Personal Consumer Issues
Topic: How to remove smoke smell from clothes after a fire?
Replies: 23
Views: 1990

Re: How to remove smoke smell from clothes after a fire?

My camping clothes would smell of smoke. Then I washed them. Smoke smell gone. Works for wood campfire smoke - is a housefire that different? Sure plastics, etc might burn and have a worse odor. But it was confined to the dishwasher. I'd invest in some air filter/purifiers with activated carbon and ...
by surfstar
Sat Jan 09, 2021 8:26 pm
Forum: Personal Investments
Topic: Where is the best place to put my emergency fund
Replies: 31
Views: 3865

Re: Where is the best place to put my emergency fund

I have 6 accounts of $1k each that earn 5% Netspend + Brinks account for 5 DFCU for #6 DW has the same. That gets us a good chunk of E-fund covered. Now we've been moving the rest from Ally / All America to I bonds. Not sure if those 5% accounts are still available to new customers, and/or if you ca...
by surfstar
Sat Jan 09, 2021 8:18 pm
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15522

Re: Regrets postponing retirement too long?

I'm 40.

Every day I regret that I am not retired. Unfortunately we don't have the money to FIRE yet.

Why would you work a single day more than you had to? There is an entire world to see and things to do.
by surfstar
Sat Jan 09, 2021 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Weird Phone Conversation with Fidelity
Replies: 56
Views: 5538

Re: Weird Phone Conversation with Fidelity

I have never talked to a financial rep and hope to continue that streak *shrug* Phone calls are so annoying. Luckily 99% of things can be done without them. Usually cancelling a CC after getting a bonus is what causes me to interact with a human from a call center located in another time zone or cou...
by surfstar
Sat Jan 09, 2021 1:10 am
Forum: Personal Investments
Topic: Looking for advice re: buying a bigger home
Replies: 30
Views: 2055

Re: Looking for advice re: buying a bigger home

No one has mentioned this yet: You have a 2 hour commute Only once per two weeks. That should provide a HUGE circle of area to look for a more affordable, larger home, right? If you really can't find a better location and its down to the one home or your current - add a 3/4 bath. Or maybe even a gue...
by surfstar
Thu Jan 07, 2021 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10069
Views: 713826

Re: Refinance Mega Thread

The average U.S. mortgage rate for a 30-year fixed loan fell two basis points this week to 2.65% – the lowest rate in the Freddie Mac’s Primary Mortgage Market Survey’s near 50-year history. This week’s mortgage rate broke the previous record set on Dec. 24. That data is lagging, though. If you're ...
by surfstar
Wed Jan 06, 2021 11:26 pm
Forum: Personal Consumer Issues
Topic: Why do car salesman want to talk to me?
Replies: 63
Views: 6711

Re: Why do car salesman want to talk to me?

I always give my number as ###-867-5309

I think only 1 has been smart enough to get it.
Most email back saying "I tried your number and it doesn't work" - yes, that's the point. Email only.
by surfstar
Wed Jan 06, 2021 5:39 pm
Forum: Personal Consumer Issues
Topic: PSA: Walmart gift card fraudulently drained
Replies: 29
Views: 2692

Re: PSA: Walmart gift card fraudulently drained

another reason to hate GCs

Just give cash. Want more security? Send cash via Venmo, Paypal, Zelle, etc.
by surfstar
Wed Jan 06, 2021 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10069
Views: 713826

Re: Refinance Mega Thread

(cross posting from the LenderFI thread, b/c I shopped a few lenders yesterday and today) Still in process, but I believe we're going with Loan Depot. LenderFI came in great with 2.5%, no cost. Beating Owning.com (2.75% $1200 cost), Interactive Mortgage (2.625% $0), Loan Cabin (2.375% $0 or 2.5% $3...
by surfstar
Tue Jan 05, 2021 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10069
Views: 713826

Re: Refinance Mega Thread

(cross posting from the LenderFI thread, b/c I shopped a few lenders yesterday and today) Still in process, but I believe we're going with Loan Depot. LenderFI came in great with 2.5%, no cost. Beating Owning.com (2.75% $1200 cost), Interactive Mortgage (2.625% $0), Loan Cabin (2.375% $0 or 2.5% $3...