Search found 732 matches

by Clever_Username
Mon Nov 20, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14000

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I'm not, nor have I ever been, in Dave Ramsey's target demographic. If you have debt addiction issues, you are and probably should at least consider his suggestions regarding debt management, including the whole "stop accruing debt, even useful varieties." Otherwise, I mentally put him in the same c...
by Clever_Username
Tue Nov 07, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with single state muni fund?
Replies: 8
Views: 742

Re: What to do with single state muni fund?

I assume your new state has an income tax. Otherwise there's no harm in keeping CA only funds, except for lack of diversification. Even if you stay below the ACA cliff, you will effectively be taxed 9.5 % for loss of subsidy. So your marginal capital gains rate on ACA will be not 16 % but 25.5 % as...
by Clever_Username
Mon Nov 06, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 5676

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

Somehow they aren't bugging me, except when I log in, to remind me to vote. Just did so. Maybe I misunderstood, but one question seems to say (as someone else here implies also) that the index funds can choose to not be index funds if something passes. No thanks.
by Clever_Username
Wed Nov 01, 2017 7:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore Member #495
Replies: 17
Views: 7578

Re: Taylor Larimore Member #495

Hello, Taylor! It's been along time and all the suggestions from you and Mel are still at work - quite successfully, I might add! Karl Karl: As your post suggests, I have enjoyed 10 wonderful years learning and helping others on the Bogleheads Forum. It has enhanced my life immeasurably. Thank you,...
by Clever_Username
Wed Nov 01, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 4195

Re: IBonds - now or wait? [November 2017 rate]

Oooh, this is exciting. I maxed out my 2017 already, and I'll probably max out 2018 by end of April, but at least those ones I get then will be at a non-zero fixed rate.
by Clever_Username
Fri Oct 20, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 13111

Re: new 401(k) limits announced

This is probably a stupid question on my part, but are other workplace plans affected too? I'm particularly interested to know if I can contribute the new amount to my 403(b). Yes, of course.... "The contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal...
by Clever_Username
Fri Oct 20, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 13111

Re: new 401(k) limits announced

This is probably a stupid question on my part, but are other workplace plans affected too? I'm particularly interested to know if I can contribute the new amount to my 403(b).
by Clever_Username
Tue Oct 10, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15784

Re: [Boglehead vs Mr Money Mustache philosophies]

I must be the wrong type of doctor. I'm nowhere near $400K/year. I'm happy if I get a third of that.
by Clever_Username
Thu Oct 05, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4465

Re: How much worth house should one buy?

Well, this thread is worrying (for me). On one hand, the greater Los Angeles area is a bit expensive for housing ... on the other hand, my Vanguard account (where most of my non-house-related net-worth lives) is about 50% of the purchase price of my home. On the other hand, it seems a lot of people ...
by Clever_Username
Tue Oct 03, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Would you recommend moving an Edwards Jones IRA to Vanguard?
Replies: 16
Views: 1527

Re: Would you recommend moving an Edwards Jones IRA to Vanguard?

Personally I would follow the steps in the Vanguard link below :happy https://investor.vanguard.com/account-transfer/how-to-transfer-money I want to second this (and the overall recommendation) and emphasize the part where you do a PULL from Vanguard (by starting the process with them) rather than ...
by Clever_Username
Thu Sep 28, 2017 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Expanding to taxable, efficiency question
Replies: 6
Views: 709

Re: Expanding to taxable, efficiency question

Thank you to everyone for the feedback; I really do appreciate it. It looks like I'm going to go with California intermediate-term (unless there's some reason I should go with long-term) tax-exempt bond fund in taxable, and adjust my allocation of stocks/bonds in my 403(b) and/or IRA(s) to keep the ...
by Clever_Username
Thu Sep 28, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Expanding to taxable, efficiency question
Replies: 6
Views: 709

Re: Expanding to taxable, efficiency question

Thank you both for the advice! As a California resident, Vanguard offers Short, Intermediate and Long-Term CA Tax-Exempt Bond funds. With these you would get Federal and State tax-exempt interest. (I admit, I do not know if there are "gotchas" that could cause you to not be able to capture the tax-e...
by Clever_Username
Thu Sep 28, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Expanding to taxable, efficiency question
Replies: 6
Views: 709

Expanding to taxable, efficiency question

Emergency funds: Yes, plenty. Debt: Mortgage (I do not plan to pay mine down early), nominal student loan debt (very low interest rate, automatic payments) Tax Filing Status: Single Tax Rate: 28% Federal, 9.3% State State of Residence: California Age: 34 Desired Asset allocation: 70% stocks / 30% bo...
by Clever_Username
Thu Jul 20, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 53
Views: 4562

Re: Keurig vs coffeemaker - and the Keurig won

A friend of mine won a second (to him) Keurig a while back and was trying to get rid of it. He gave it to me as a housewarming present (at my now-old apartment) 14 months ago. It's great. (Edit: this statement makes it look resentful; I'm not. It's a great gift and I don't intend to demean how my fr...
by Clever_Username
Sun Jul 16, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 5250

Re: Buying beach bungalow in San Diego for Winters

Reasons already covered to not do it: * Beyond your stated budget * Managing a rental property that far away can be a problem * California will likely consider you a full-time resident for tax purposes. Important reason not yet covered: * Pizza. If you live in Chicago, you're probably used to good p...
by Clever_Username
Mon Jul 03, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 47
Views: 5873

Re: Verizon- Why do they treat old customers worse?

If I could find a cheap way to exclude Comcast and their ilk from my TSM holdings, I would happily do so. You could hold an equivalent short position after calculating just how much Comcast stock you own (total TSM * their % of total market). This may or may not achieve what you're looking for thou...
by Clever_Username
Mon Jul 03, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 4201

Re: FIREcalc says I can retire. Should I ?

I may have missed the key point: do you want to retire? Retiring when you have no desire to do doesn't strike me as a good idea. You could also consider scaling back your time at work if your employer is amenable to this. A few days a week or reduced hours might make for a great work week with extra...
by Clever_Username
Mon Jul 03, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 47
Views: 5873

Re: Verizon- Why do they treat old customers worse?

I don't know, Verizon treated me pretty poorly as a potential customer. I inquired about FIOS service, found out in my then-area it was slower than traditional cable internet, so I declined. They sent me a bill for the call!

I didn't pay and challenging it was a hassle.
by Clever_Username
Fri Jun 30, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 7819

Re: Those who max 401k

The max is $18k/year. My salary is $82k so I do 21%(+4% match) of which 15% is traditional and 6% is roth. I am also thinking of doing $5k rothIRA since I am contributing $2k month to my taxable. Unless the $2k/month into taxable is earmarked for something pre-retirement, I would encourage you to p...
by Clever_Username
Fri Jun 30, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 7819

Re: Those who max 401k

My employer allows me to ask to max mine out. They make sure I will be able to contribute each month in order to get the maximum matching and finish with $18,000 contributed by the end of December. It helps a bit that I am paid monthly and pretty much can only get a raise that would take effect in t...
by Clever_Username
Thu Jun 29, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Familiar w/ DocuSign? Secure?
Replies: 13
Views: 1119

Re: Familiar w/ DocuSign? Secure?

mega317 wrote:Yeah we used docusign for our most recent home sale and purchase. No code, just clicked the link. Not great.
Same. I also used it for a lease on my previous apartment and for leasing out my previous condo.
by Clever_Username
Sun Jun 25, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: If I want to have a safe portfolio in case of...
Replies: 23
Views: 2190

Re: If I want to have a safe portfolio in case of...

Mrxyz wrote:
johnra wrote:Go into cash, wait your chance, then come back in.
So cash is better/safer than all bonds?
Selling to get cash will trigger taxes also.
So will selling to get to bonds, assuming we're talking about the non-tax-advantaged portion of your portfolio.
by Clever_Username
Wed Jun 21, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 63
Views: 7284

Re: Co-workers advising to buy house RIGHT NOW

Your co-workers want you to act in a way that validates their decision. If you don't buy, maybe they made a mistake and bought when they should have waited. If you do buy, and prices have gone up since they bought, they made a great decision to buy when they did. See how that works? They are not ad...
by Clever_Username
Mon Jun 19, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 7237

Re: So sick of it! [Paying off student loans]

To a previous post. Pretty much everyone that posts here cannot deduct student loan interest. I'm not sure that's true. I think the limit (someone correct me if I'm wrong) is $75,000, and it's a deduction regardless of itemization. I think there are plenty of people on this board who fit into that,...
by Clever_Username
Sun Jun 18, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 7237

Re: So sick of it! [Paying off student loans]

Goal33 wrote:
Clever_Username wrote:I'm in no hurry to pay off my mortgage at 4.25% either.
You should be in a hurry to refinance it at a lower rate while you still can, though.
It's a new mortgage, so I don't think a lower rate was out there. It's also a 30-year, not a 15-year.
by Clever_Username
Sun Jun 18, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 7237

Re: So sick of it! [Paying off student loans]

I am going to miss my student loans when they're gone, which I think will be in about 4.5 years. I pay $100/month, of which about $10 goes to interest. I think it's $100 because I can't do auto-debit (which gives me a further break on interest) on less. I might be wrong on that. I mostly don't think...
by Clever_Username
Fri Jun 16, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 3277

Re: Need WIFI repeater or second router Advice

I have since switched to the Google mesh network system with 2 pods, and it works flawlessly 100% of the time - the signal is so strong that I even get HD video signal in my garage now, whereas before I got zero bars, even with the repeater situated 2 walls away <15 feet away. Second vote for this....
by Clever_Username
Thu Jun 15, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 57
Views: 9010

Re: Contractor took deposit but never did any work. What next?

follow up and answer some questions: 1) I contacted a lawyer today and awaiting for a response 2) I would prefer not to divulge the exact amount but it is for a 5 figure sum which is well above the small claims court maximum. If it was something like $1500 I would just eat the loss, but at 5 figure...
by Clever_Username
Wed Jun 14, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Solar Tax Trick or Scam
Replies: 9
Views: 1743

Re: Solar Tax Trick or Scam

The way my friends explained it to me was that they would create a business that would generate electricity, give it to the utility, which would pay them in-kind (in electricity) for their electricity they generated. They would then be able to deduct a bunch of business expenses. I googled a bit, a...
by Clever_Username
Tue Jun 13, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 14765

Re: Who takes financial chances and why is this forum so financially conservative?

In my career about 20 minutes into a conversation I can figure out the math oriented folks as they want logic for EVERYTHING. Only problem is life doesn't work that way. But shouldn't life work that way? Quick, am I mathematically oriented or not? :D If you were, wouldn't your user name be ErlangCo...
by Clever_Username
Tue Jun 13, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 14765

Re: Who takes financial chances and why is this forum so financially conservative?

In my career about 20 minutes into a conversation I can figure out the math oriented folks as they want logic for EVERYTHING. Only problem is life doesn't work that way. But shouldn't life work that way? Quick, am I mathematically oriented or not? :D If you were, wouldn't your user name be ErlangCo...
by Clever_Username
Tue Jun 13, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 6260

Re: Pay Mortgage vs. Buy Bonds

A home you live in behaves more like an annuity than a bond; it decreases your need to spend money, but it can't easily be converted into the time value of the money. Thus it makes sense to change to a more aggressive asset allocation once you own a home, if you are treating the mortgage as a negat...
by Clever_Username
Mon Jun 12, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 6260

Re: Pay Mortgage vs. Buy Bonds

A home you live in behaves more like an annuity than a bond; it decreases your need to spend money, but it can't easily be converted into the time value of the money. Thus it makes sense to change to a more aggressive asset allocation once you own a home, if you are treating the mortgage as a negat...
by Clever_Username
Mon Jun 12, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 3688

Re: Auto-Debit May Not Be Such a Good Idea

My auto-pays are on credit card. My cable internet provider though will charge me to not send a physical bill each month. So I get a paper bill each month, open it, and see when my auto pay is going to happen (it literally says this on the paper). So that's reassuring. Just got a new mortgage, have ...
by Clever_Username
Thu Jun 08, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Owner ---- mortgage or cash?
Replies: 8
Views: 1430

Re: First Time Home Owner ---- mortgage or cash?

Congratulations on the new place!
by Clever_Username
Thu Jun 08, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 7364

Re: I'm considering buying a house in the $800k range.. can I?

edit: Basically, one of the reasons is this. I can't marry my GF without moving in with her. I can't move in with her without a bigger place than I current have, especially because she works night shift and we'd be waking each other up all the time. So if I want to progress the relationship (I do) ...
by Clever_Username
Mon Jun 05, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 1276

Re: How to find best but the cheapest red wine for better health?

I'm not that kind of doctor and I'm certainly not your doctor. So this is just what I drink.

Trader Joe's has a handful of $4 or so wines. They tend to taste better than "Two Buck" (now about $3) Chuck (Charles Shaw) wines.

Grifone Sangiovese is one I like. Purple Moon Shiraz is nice too.
by Clever_Username
Sat May 20, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 4286

Re: Rice Cooker

Do you folks wash your rice prior to cooking it? Wash - I mean - cover with water stir until water turns white - drain - and repeat about 2 more times until water is clear? If you don't do this - you usually have a gel like goop mess to deal with. I didn't realize there were people who didn't wash ...
by Clever_Username
Thu May 18, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 4286

Re: Rice Cooker

I have had my rice cooker since college (I'm mid-30s now). It's amazing. I'm glad you like yours.
by Clever_Username
Wed May 17, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1116333

Re: U.S. stocks in freefall

SquawkIdent wrote:Just like Toons and Mr. Buffett say....use that noise to your advantage.
Two excellent sources of advice, may I add.
by Clever_Username
Mon May 15, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Safe, low volatility ETFs with monthly dividend payout
Replies: 14
Views: 1086

Re: Safe, low volatility ETFs with monthly dividend payout

It sounds like you're looking for a bond fund.

(Edit) Or a money market. Those are low volatile and have monthly payouts.
by Clever_Username
Wed May 03, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 11296

Re: Are we all forgetting our taxable accounts?

I agree with the view that the money I put into tax-advantaged accounts when I'm younger can be used to shift money to when I'm older, as it eliminates the need to contribute to the account at those ages. I currently have approx. $240K in tax-advantaged savings earmarked and am 33 years old. If that...
by Clever_Username
Wed May 03, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Who Contributes to IRA's?
Replies: 8
Views: 1334

Re: Who Contributes to IRA's?

Nice to know my younger sister is an exception (I fit into one of the three categories). Between her 401(k) at work and maxing out her IRA each year, she manages to save 20% of her salary. Some of that I subsidize in the form of gifting money to match some of her contributions.
by Clever_Username
Mon May 01, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 10538

Re: I bonds May 2017

Fixed rate is in fact 0%, glad I bought last month... https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#compositerate Yup. Last month was the month to have bought them. :beer Um, wasn't fixed rate 0% last month as well? Or am I just not understanding? (The l...
by Clever_Username
Fri Apr 28, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 20
Views: 4079

Re: Sell in May and go away - not this year?

greg24 wrote:The AFC won the Super Bowl, so we're in for a bear.

https://en.wikipedia.org/wiki/Super_Bowl_indicator

As of January 2017, the indicator has been correct 40 out of 50 times, as measured by the S&P 500 Index – a success rate of 80%.
Seems like a weird rule given that the Bears are in the NFC.
by Clever_Username
Thu Apr 27, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away - not this year?
Replies: 20
Views: 4079

Re: Sell in May and go away - not this year?

If there's a way to successfully time the market, it isn't going to be deterministic or well-known.
by Clever_Username
Thu Apr 27, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 5384

Re: Is $20K I-Bonds considered cash or bond?

I like Nisi's description of "conservative assets" instead of obsessing over "is this a bond or not?" As for me, I view them as part of my bond allocation when I think of my overall portfolio as "stocks and bonds." However, I also view them as a tier in my emergency fund, and I would reach for them ...
by Clever_Username
Thu Apr 27, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 4482

Re: Los Angeles house buying

I'm under contract to buy in the greater Los Angeles area (not L.A. City) soon. Give or take at 5x earnings. However, with savings, equity from my previous place, and fairly low expenses outside of housing, I'm not terribly worried. The usual pick X of 3: Affordability: I make good money and don't s...
by Clever_Username
Sun Apr 23, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 44385

Re: Larry Swedroe says "Goodby."

Tragic. Great author, loved seeing his posts too. If you're reading this, thanks for all you did Larry.