Search found 118 matches

by BackOfTheNet
Mon Mar 20, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 67
Views: 6680

Re: Citi card Nightmare

File a CFPB complaint.

I've filed two complaints and each time I received a phone call from a very motivated and empowered person at the credit card company. Both problems were quickly fixed after much runaround through the typical channels.
by BackOfTheNet
Wed Mar 15, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 31
Views: 2614

Re: Vanguard: "Important: We've been unable to reach you by email"

Jack FFR1846 wrote:
BackOfTheNet wrote:Sounds like a phishing email. Are there links in the email that it is asking you to click? I'd be careful.


It wasn't an email. I'm not sure how to click a link on a piece of paper that came out of an envelope.


Doh! :oops: Bad reading on my part sorry.
by BackOfTheNet
Wed Mar 15, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 31
Views: 2614

Re: Vanguard: "Important: We've been unable to reach you by email"

Sounds like a phishing email. Are there links in the email that it is asking you to click? I'd be careful.
by BackOfTheNet
Wed Mar 08, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 11455

Re: How to make it easier for spouse upon death

We keep a list of institutions where we have accounts. No account numbers, no passwords, balances, etc. That way my wife could pick up the phone and call: "Hello, American Express, my Husband is dead" "Hello, Insurance company, my Husband is dead" "Hello, TSP , my Husband is...
by BackOfTheNet
Tue Feb 07, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: New mortgage advice
Replies: 9
Views: 530

Re: New mortgage advice

Have you looked at the 5/5 ARM product from Penfed? https://www.penfed.org/5_5-Adjustable-Rate-Mortgage-ARM/ https://penfed.mortgagewebcenter.com/CheckRates I'd put down 10% and take negative points to lower my closing costs. I just ran a quote and they will do 3.375% with $2,400 rebated to you for ...
by BackOfTheNet
Fri Jan 13, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 10001

Re: How much do you typically spend in a restaurant?

We probably spend on average between $40 - $70. This is in addition to the $50 babysitter bill.
by BackOfTheNet
Sat Jan 07, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 149
Views: 9854

Re: 2017 hedge fund contest

Moolala wrote:
BackOfTheNet wrote:I

Let me know if you see something wrong.

Oops! All of my shorts are listed as longs and my longs are listed as shorts!

Short: JWN, VSI, XRX

Long: PZZA, DIS, HSY

I also forgot a name but that's my bad! :( Unofficial name for the record: Topiary Prosperity


Fixed it.
by BackOfTheNet
Fri Jan 06, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 149
Views: 9854

Re: 2017 hedge fund contest

Looks like the deadline has passed. 65 entries.

https://docs.google.com/spreadsheets/d/ ... edit#gid=0

As of this posting the open price is still Jan 2nd. Sometime in the next few days I will update the sheet to be based on the correct day (Jan 6th).
by BackOfTheNet
Thu Jan 05, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 149
Views: 9854

Re: 2017 hedge fund contest

I'd also like to participate but will withdraw if that seems like a conflict.

Fund name: Priced in

Long:
SHLD
DIS
AXP

Short:
WMT
CAT
MMM
by BackOfTheNet
Wed Jan 04, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 149
Views: 9854

Re: 2017 hedge fund contest

I added a link to the contest in the OP.
by BackOfTheNet
Fri Dec 30, 2016 10:45 am
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 24211

Re: 2016 hedge fund contest

LadyGeek wrote:..


Thanks LadyGeek. I don't know how I missed the 2016 dates.
by BackOfTheNet
Fri Dec 30, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 24211

Re: 2016 hedge fund contest

2017 thread is up. Please let me know if I've left anything out.

viewtopic.php?f=10&t=206778
by BackOfTheNet
Fri Dec 30, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 149
Views: 9854

2017 hedge fund contest

I meant to get this up earlier but this is the thread for the 2017 hedge fund contest. You can find the previous year's contest (2016) here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=181033 Rules (Trying to keep it as similar as possible to previous years). ⋅ Pick a fancy n...
by BackOfTheNet
Fri Dec 23, 2016 12:00 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 24211

Re: 2016 hedge fund contest

grok87 wrote:I'm happy to help out next year...


Sounds good. I'll send you a PM.

Also, I went back and closed out positions based on what people posted in this thread. Positions that were closed are highlighted.
by BackOfTheNet
Fri Dec 23, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 1764

Re: Honda Odyssey Value point

Have you looked at the new Chrysler Pacifica? They are selling for way under MSRP and get amazing reviews. Something like this: http://www.fallsmotorcity.com/new/Chrysler/2017-Chrysler-Pacifica-for-sale-near-akron-oh-b4240f610a0e0a1701d2b54aad01d36c.htm Might be a good value vs an older Honda. https...
by BackOfTheNet
Thu Dec 22, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 2660

Re: Cappuccino/Espresso machine recommendations?

We're not coffee snobs but we bought a superautomatic about a year ago and it's been great. There is some cleaning every now and again, but it's great to just pour beans in the hopper and have a fresh cup at the push of a button. It was a couple hundred dollars but we do use it every day. Something ...
by BackOfTheNet
Mon Dec 19, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 24211

Re: 2016 hedge fund contest

CRC went 1 for 10 reverse split, the stock is down big from when I shorted it, your sheet shows the opposite - a gain in price. is this for California Resources Corp? Dosen't google usually price splits and dividends into historical prices? The data I'm getting back is a price of $20.30 for Jan 4th...
by BackOfTheNet
Mon Dec 19, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 24211

Re: 2016 hedge fund contest

Through the magic of copy and paste I rearranged the table to make calculations easier. Still to do is go back and close out positions based on dates people made the request. https://docs.google.com/spreadsheets/d/1vdRjpZbsNW13hmtS0MPmeKEFYUrQRJ0uu6PUw5xE3e0/edit?usp=sharing Also, if Norbet is MIA, ...
by BackOfTheNet
Fri Dec 16, 2016 5:15 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 24211

Re: 2016 hedge fund contest

I've started the process of importing this contest into Google Sheets. Not as fancy (yet) as the previous webpage. https://docs.google.com/spreadsheets/d/1DDXQQXW5602nzs9dKJmdJHK27Fhndqgw7z0RYorfPYQ/edit?usp=sharing Right now I don't have the funds combined but you can sort of see how the individual...
by BackOfTheNet
Fri Dec 16, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: 20% Match on 401k.. sorta.
Replies: 45
Views: 4675

Re: 20% Match on 401k.. sorta.

To compare, I put together a couple of tables. https://docs.google.com/spreadsheets/d/16JDuXfDNhxg8XY9P74BbxCQumFXHjzSfeZSqMBY2sms/edit#gid=0 Match based on contributions vs match based on salary. For match based on salary, I assumed employer contributes 3% of salary regardless of employee contribut...
by BackOfTheNet
Thu Dec 15, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Cancun / Playa de Carmen – transportation issue with infant and toddler
Replies: 11
Views: 1101

Re: Cancun / Playa de Carmen – transportation issue with infant and toddler

You may or may not be considering this but I'd stay away from Cancun proper. Lots of people trying to sell junk (or just asking for money) and really just unpleasant overall.
by BackOfTheNet
Thu Dec 01, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6953

Re: Should I buy a new car for safety's sake?

I'm late to the party but I think watching these two short crash videos do a great job of showing the difference between a modern car and an older model. 21015 Nissan Tsuru (basically a 1992 Nissan Sentra) vs 2016 Nissan Versa https://www.youtube.com/watch?v=85OysZ_4lp0 This one is a few years old: ...
by BackOfTheNet
Sat Nov 26, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Whether to go Roth or not
Replies: 48
Views: 3112

Re: I401k Whether to go Roth or not

BackOfTheNet, 1) There is no 20% tax bracket. 2) This does not happen for 90+% of people. 3) Do you do your own tax? KlangFool I should have clarified that I was making an oversimplification to illustrate that Roth is not always better. But I do agree with you that such an oversimplification is pro...
by BackOfTheNet
Wed Nov 23, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Federal Deferred Retirement - When to take
Replies: 11
Views: 1052

Re: Federal Deferred Retirement - When to take

rkhusky wrote:
Boots B. wrote: (You get 10 percent additional for over 20 years)

Is this true? I thought you got 10% extra if you retire at 62 or later.


That seems to be how this reads:

https://www.opm.gov/retirement-services ... mputation/
by BackOfTheNet
Wed Nov 23, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 4821

Re: How Much Housing Payment Can a Boglehead Afford?

We make just north of $200,000 and our current mortgage is less than $1,000 per month. My max would probably be about half of what you have listed or about $2,750.

Though, I think that is influenced by the amount of house that would buy in this low cost of living area.
by BackOfTheNet
Tue Nov 22, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Deferred Retirement - When to take
Replies: 11
Views: 1052

Re: Federal Deferred Retirement - When to take

So your future pensions would look something like this?

Go back:
.01 x 20 x $160,000 = $32,000 annually

Wait till 62
$18,000 annually

Take at 60
$12,000 annually
by BackOfTheNet
Fri Nov 18, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Contribution limits
Replies: 6
Views: 759

Re: HSA Contribution limits

Me through my employer: HSA ( HDHP ) plan option that covers myself and my children (employee + children) Wife through her employer: REGULAR NON-HSA plan that covers herself only (single). Also, if the premiums are the same, It is my understanding that you could add your wife to your HDHP and you w...
by BackOfTheNet
Thu Nov 17, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA -- How to?
Replies: 20
Views: 1569

Re: Backdoor Roth IRA -- How to?

Here is my confusion. 401(k) contribution is not considered a deduction because the money never enters your paycheck to begin with. I thought that tIRA worked the same way. But you are saying that tIRA could be deductible, which confuses me. I never said anything about take home pay that is not my ...
by BackOfTheNet
Tue Nov 15, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Stay at home parent vs. Daycare (personal question)
Replies: 19
Views: 2315

Re: Stay at home parent vs. Daycare (personal question)

Just a data-point: My wife recently went back to work after staying home with 2 kids and It's been great. Kids were young when she went back (4 and 2) and they have done really well in daycare. I say go for the job if that's what you want, kids will be fine.
by BackOfTheNet
Thu Nov 10, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Wife's Colleague Scratched our car with his car
Replies: 30
Views: 4083

Re: Wife's Colleague Scratched our car with his car

Reminds me of a funny(ish) time I got bumped in a parking lot. Young girl was backing out of a parking space and gently tapped my car. We both get out and examine the damage (small scratch on my car) and I tell her that it's fine and not to worry about it. She says something like "Are you sure?...
by BackOfTheNet
Thu Nov 03, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Family $6,750 limit questions
Replies: 100
Views: 6389

Re: HSA Family $6,750 limit questions

Seems straightforward here: https://www.irs.gov/publications/p969/ar02.html#en_US_2015_publink1000204025 Qualifying for an HSA To be an eligible individual and qualify for an HSA, you must meet the following requirements. You must be covered under a high deductible health plan (HDHP), described late...
by BackOfTheNet
Tue Nov 01, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: going from 30 year to 15 year mortgage question
Replies: 18
Views: 2643

Re: going from 30 year to 15 year mortgage question

Go to Zillow mortgage:

https://www.zillow.com/mortgage-rates/


Put in your info and sort by lowest fees. I just ran a request and I got a 3.0% fixed 15 year loan for $105 in fees.
by BackOfTheNet
Mon Oct 31, 2016 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Family $6,750 limit questions
Replies: 100
Views: 6389

Re: HSA Family $6,750 limit questions

Thanks for the thread, very topical. My plan for 2017:

Me: Primary: Family HDHP - My Employer

Wife+kids: Primary: PPO Plan - Her employer
Secondary: HDHP - My employer

Plan on contributing the full $6750 to my HSA since I am not covered by the PPO.
by BackOfTheNet
Fri Sep 23, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) loan to invest in taxable
Replies: 21
Views: 2289

Re: 401(k) loan to invest in taxable

This is interesting. For my 401k (TSP) loans are paid back at the G fund rate, currently 1.625%. How about this scenario? Let's say I have $100,000 total in the account, $50,000 in G and $50,000 in C. 1. Switch to %100 C. 2. Take out $50,000 loan So.. Before: $50,000 in C $50,000 in G earning 1.625%...
by BackOfTheNet
Tue Aug 30, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: EBay price - how is this possible?
Replies: 31
Views: 4413

Re: EBay price - how is this possible?

shuresm7b1 wrote:Yup, I just bought 5 pinwheels for 79 cents including free shipping. Trying to keep birds off my mailbox.

http://www.ebay.com/itm/1-set-Plastic-W ... SwqfNXpYjD


What a time to be alive.
by BackOfTheNet
Mon Aug 15, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 6821

Re: Joint Accounts - How do you use it?

Let's read between the many lines in this thread. I'm seeing something along the lines of "people who have long successful marriages share everything equally and don't have a need for separate accounts." Did I miss something/anything? :confused (30+ years, never would consider/risk/expect...
by BackOfTheNet
Wed Aug 10, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 ARM loan Rate Reset option
Replies: 3
Views: 500

Re: Penfed 5/5 ARM loan Rate Reset option

The 2.625% is the "promo" rate whereas the reset rate is the 3.125%. My understanding is that there is no difference between the "promo" rate and the "reset" rate. When the 5 years is up, the rate resets to whatever the current rate is. https://www.penfed.org/compare-m...
by BackOfTheNet
Wed Aug 10, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 ARM loan Rate Reset option
Replies: 3
Views: 500

Re: Penfed 5/5 ARM loan Rate Reset option

Are you sure about that rate? It's supposed to be .0625% lower than today's 5/5 rate which is 2.625 https://ratereset.penfed.org/WelcomeBPage.aspx There was some discussion over at fatwallet a few months back. https://www.fatwallet.com/forums/finance/1495440/ Edit: I would personally sign up in a he...
by BackOfTheNet
Fri Jul 29, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any dental insurance worthwhile?????
Replies: 31
Views: 3204

Re: Are there any dental insurance worthwhile?????

The premium for my dental plan through FedVIP (not employer subsidized) is less than the cost of two routine checkups/cleanings. The plan pays these visits, plus x-rays as often as annually, at 100%. My dentist gives the carrier more than a 50% discount but didn't budge in my gentle efforts to nego...
by BackOfTheNet
Wed Jul 27, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Quit work and become SAHM - advice? regrets?
Replies: 58
Views: 6745

Re: Quit work and become SAHM - advice? regrets?

My wife was a SAHM (for 2 years) but decided to go back to work. Being with kids all day is mentally draining and was a drag on our family and marriage for sure. Things are much better (and everyone is happier) with both parents at work. My advice would be to be flexible in your choice and do it for...
by BackOfTheNet
Thu Jun 30, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: I think everyone should look into a home equity line of credit
Replies: 26
Views: 2010

Re: I think everyone should look into a home equity line of credit

I agree they are a good tool. I opened one for free and have not drawn on it. It could be a life saver if I have a liquidity crunch, although I don't plan on ever needing to draw from it. It is like having a free Plan C or D (Plan A is not needing emergency funding, Plan B is use cash savings, etc....
by BackOfTheNet
Mon Jun 27, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: 3 Day Old Odyssey in an Accident- Anything I should know?
Replies: 16
Views: 1258

Re: 3 Day Old Odyssey in an Accident- Anything I should know?

My Wife's car 6 year old car ($10,00 value) got lightly hit by a delivery truck. Had it repaired, damages were about $3,000. After repair was complete I asked for $1,400 and it was accepted. Here is a big thread about diminished value with lots of tips. https://www.fatwallet.com/forums/finance/88066...
by BackOfTheNet
Mon Jun 20, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Selling Two Cycle Mercury Outboard 6HP Model Year 2000
Replies: 13
Views: 1207

Re: Selling Two Cycle Mercury Outboard 6HP Model Year 2000

furnace wrote:
livesoft wrote:When you looked online for similar used merchandise what did you find already?


Thanks for being helpful.


I think that was pretty helpful.

http://lmgtfy.com/?q=2000+Mercury+outboard+6hp+for+sale
by BackOfTheNet
Fri Jun 03, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is your refinance threshold?
Replies: 8
Views: 1547

Re: What is your refinance threshold?

I'd take a slightly higher rate for a no closing costs loan. Something like this:

https://www.cashcallmortgage.com/index.aspx

https://www.cashcallmortgage.com/rates.aspx#15yearfixed
by BackOfTheNet
Thu May 05, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 84
Views: 11427

Re: WOW fantastic Cars in the Wild

A fun site if you like cars.

www.bringatrailer.com
by BackOfTheNet
Wed Apr 13, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Check your HSA Bank statement for fraudulent fees
Replies: 6
Views: 975

Re: Check your HSA Bank statement for fraudulent fees

Probably class action suit potential. I'm sure you are not the only person they are charging this fee.

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