I've set my future 403(b) contributions to be all stock, but haven't rebalanced yet.

Thinking about doing a bit of DCA Rebalancing today, but I guess it's need to do that soon.

pmward wrote: ↑Tue Mar 17, 2020 3:02 pm Not surprisingly, value is looking like it is starting to perk up relative to growth. Maybe those GB SCV tilts may actually start to pay off?

I do hope so.

Still waiting to rebalance; likely waited too long again (in 2908/2009 too early, since then, too hesitant on any of the shirt term dips)

Shelter in place for most of California Bay are through April 7th (just added Santa Cruz County) on top of Santa Clara County, San Francisco county, ....

For Santa Cruz --
http://www.santacruzhealth.org/Portals/ ... 202020.pdf

What consumers need right about now is Andrew Yang's Freedom Dividend. Pfftt. Can't even spend it anywhere. They just closed down the liquor stores here, for fuck's sake! Food. Rent. Online entertainment. Not everyone has secure jobs or emergency funds. And even those that do, maybe not as secure a...

sophie wrote: ↑Mon Mar 16, 2020 6:37 pm
Interestingly, a friend of mine who holds a 100% cash portfolio responded to the financial armageddon by buying a car today. That's one way to rebalance!

Pay cash, or get a 0% loan? (Those it there yet?)

My car is getting long in the tooth, and if can get 0%, might be tempted.

Smith1776 wrote: ↑Mon Mar 16, 2020 6:35 pm What consumers need right about now is Andrew Yang's Freedom Dividend.

$1,000 / mo. I wonder if that's where Romney got the idea, as his one time $1,000 matches.

Is a nice round number though, so coincidence likely as well.

I don't understand the theory that lowering interest rates will help. So rather than giving money to the people who are suddenly hurting REALLY HARD for money with no end in sight, we give money to banks hoping that those people will then borrow money. I guess a loan is better than nothing, but why...

Asking for a friend (really :) ) US resident temporarily living in Canada. How much of their savings to have in Canadian vs US currency. A few months worth of Canadian expenses? Other? I assume US will be hit harder by Coronavirus than Canada. But Canadian economy deoends a lot on US (at least, I as...

12-13% drop in US major indexes.

My, we are living in interesting times.

Everyone starts the PP when gold is near its highs :P I feel called out. Not that I'm true PP (59% stock, ~12% gold as target) and I did wait for my ~ 70/30 BH to recover after 2009 to start buying gold (IIRC). But yeah. My retirement funds would be better higher if I hadn't gone more conservative ...

3) Put schools directly on the hook for half the loss, with the other half on the bank that gave the loan. I've also thought 1/3 student, lender, institution, or some such. Haven't really thought in depth, but sounds reasonable to me to have everyone with skin in the game. And if fraud on the insti...

Exactly. It's just like student loans.Not fair to bail out just some and penalize those who paid theirs off or didn't take them in the first place. Bad precedent. IMI, having Student loans really hard to discharge in bankruptcy is bad policy. Taking a risk to sell a tangible good or service as a co...

DeBlasio won’t close schools in New York City. That’s interesting. I think that I have disclosed that three towns in the county to the south of mine have closed their schools for three weeks (no reported cases). And, in the town next to mine (same county, also no reported cases) schools are closed ...

I was more pure bogglehead portfolio 2008 / 2009.

Rebalanced s couple of times on the way down.

Couldn't get myself to rebalanced the last time (when it actually WAS at the bottom).

I don't think I had hard rules though.

Not sure what I'll do when this time.

Check at end of month maybe....

ppnewbie wrote: ↑Mon Mar 09, 2020 10:17 pm ...

It's interesting, I still find that very few people are interested in learning about the HBPP.

Anyway thanks again!

That will change of the markets keep going like they are....

Was a lot busier around here last time socks really tanked.

Almost a bear market...

"Everyone's about to be a billionaire because we now have a bunch of gold."

Accounting for inflation, that'll be worth $42.00.

I'm still down 5-6% overall and very envious of you breakeven guys. I did go slow (and am still low gold - GBish for part of retirement savings), but a solid percentage of my Gold still underwater. Started buying IAU in 2012. To date, purchase price between around 16.5 (2012) and 11 (2016). Interes...

Wow, Quicken doth say my gold ROI is > 0%.

Weird....

More??? Markets Re-Plunge As Lighthizer Confirms Tariff-Hikes After China Reneges On Promises I think we all can agree the market is overdue for at the very least a small pull-back. But, I wouldn't be surprised if it was taken as "Meh" again tomorrow just like it was today. <snip> Not a h...

Isn't there always a risk of rates going down, up, or staying the same?

Although for the last what, 10 years(? More), Have nowhere to go but up......

WiseOne wrote: ↑Thu Mar 14, 2019 8:17 am I understand Santa Cruz, Santa Barbara, and San Diego are all very nice places to party, uh I mean go to school too.

Hey, don't be dissing the Banana Slugs...

MangoMan wrote: ↑Tue Mar 05, 2019 4:30 pm

WiseOne wrote: ↑Tue Mar 05, 2019 7:54 am
Medicare for all seriously needs to happen....

Be careful what you wish for. You should talk to some Canadians before thinking that this is a good idea. Loooong waits to see specialists and have surgery are the norm there.

Long waits to see medical folks here in the US as well.

Kriegsspiel wrote: ↑Thu Feb 21, 2019 5:50 pm

pmward wrote: ↑Thu Feb 21, 2019 3:29 pm Also, are you sure you really want gold to out-perform? I mean, if gold is out-performing it's not a good sign. Be careful what you wish for, imo.

Yup. I remember either Craig or MediumTex saying the same thing a while ago.

I was so close to my gold getting up to a 0% return....

In the meantime, it has been kind of interesting to see how much different my GB performs day to day vs my 3 fund portfolio. I can kind of benchmark the two against each other. It will be especially interesting to see first hand the way the two portfolios diverge when the next bear market hits. Yea...