Search found 124 matches

by BackOfTheNet
Fri Aug 18, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 174
Views: 12731

Re: Lost $7000 today in ONE DAY!

TSP G fund is up.
by BackOfTheNet
Thu Aug 17, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 147
Views: 7367

Re: Is it worth it? [demanding jobs vs time with family]

I don't think you can fully know until you give it a try. Can you reduce your hours temporarily to see how it goes? My wife quit her job to stay home with our kids but ended up very ready to go back to work. She's now back at work and the whole family is happier. She works probably 50 hours a week a...
by BackOfTheNet
Thu Jul 20, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Scripters/Coders - Wanting to Learn
Replies: 17
Views: 1547

Re: Scripters/Coders - Wanting to Learn

A great resource I recommend for beginners is below: m It is a series of math problems that will let you figure out the basics of the language as you solve. I think it's really well suited to python. For example, the first problem is: If we list all the natural numbers below 10 that are multiples of...
by BackOfTheNet
Mon Jun 05, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 92
Views: 9271

Re: Worth it to buy expensive clothes?

As far as Allen Edmonds. If you don't know, here are two potentially cheaper ways to get them. 2nds: Shoebank.com "3rds": There is an eBay seller (dabondo1 ) that sells a variety of factory rejects or shoes that have been tried on. They will accept 60% as a "best offer" on all th...
by BackOfTheNet
Fri Apr 21, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: How to reduce my income tax
Replies: 31
Views: 3298

Re: How to reduce my income tax

Your situation is very similar to ours (you are about 4 years ahead) so thanks for the thread. Our stats below for comparison but its seems like you are doing pretty good for the extra income. One Federal Employee Husband - 33/ Wife - 33 Dependents: Two (5/3) 2016 Annual Salary: $205k 2016 Adjusted ...
by BackOfTheNet
Thu Apr 20, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Selling classic car via consignment
Replies: 10
Views: 1037

Re: Selling classic car via consignment

fund wrote:Have a look at bringatrailer.com.


I would also vote for bring a trailer. Like fund, I've never listed a car but I do browse quite a bit. Here is a listing of all SLs that have been listed there to get an idea of what they bring.

http://bringatrailer.com/search/mercedes+sl/
by BackOfTheNet
Mon Mar 20, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 9000

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: 36
Views: 4080

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: 36
Views: 4080

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: 12303

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: 658

Re: New mortgage advice

Have you looked at the 5/5 ARM product from Penfed? m m 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 closing costs. Assuming 10% down at $307,500. With the 5/5 payment with PMI included is $1,290.38 VS ...
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: 11390

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: 210
Views: 22589

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: 210
Views: 22589

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: 210
Views: 22589

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: 210
Views: 22589

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: 26967

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: 26967

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: 210
Views: 22589

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: 26967

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: 2197

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/Chrys ... 01d36c.htm

Might be a good value vs an older Honda.

https://www.youtube.com/watch?v=Tf6kwZxhYzA
by BackOfTheNet
Thu Dec 22, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 3275

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: 26967

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: 26967

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. m Also, if Norbet is MIA, I can run this contest next year. Maybe 1 or 2 people would want to help out? I can share the googl...
by BackOfTheNet
Fri Dec 16, 2016 5:15 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 26967

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. m Right now I don't have the funds combined but you can sort of see how the individual stocks are doing. Am I calculating these correctly? I'm sort of unsure about the shorts but it see...
by BackOfTheNet
Fri Dec 16, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: 20% Match on 401k.. sorta.
Replies: 45
Views: 5268

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

To compare, I put together a couple of tables. m Match based on contributions vs match based on salary. For match based on salary, I assumed employer contributes 3% of salary regardless of employee contribution. Seems like employees with low salary and high contributions would prefer to be matched t...
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: 1296

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: 7878

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 m This one is a few years old: 1959 Checy BelAir (BUILT LIKE A TANK!) vs ...
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: 3667

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: 1265

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: 5532

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: 1265

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: 874

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: 1842

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: 2528

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: 4481

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: 7085

Re: HSA Family $6,750 limit questions

Seems straightforward here: m 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 later, on the first day of the month. You have no other health coverage except ...
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: 3029

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: 7085

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: 2482

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: 4661

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: 8012

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? (30+ years, never would consider/risk/expect separate ...
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: 653

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. m Where it says "next 300&q...
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: 653

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 heartbeat for 5 more years at 2.56% for $250.
by BackOfTheNet
Fri Jul 29, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any dental insurance worthwhile?????
Replies: 31
Views: 3539

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: 7628

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: 2344

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....