Search found 124 matches

by MrJones
Mon Feb 19, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: How to choose tax exempt bonds
Replies: 3
Views: 318

Re: How to choose tax exempt bonds

It almost certainly won't help with AMT because you mostly only have CDs currently and thus very little income from that $564k taxable. I don't know what is causing your AMT currently. Regardless, AMT will almost definitely be a moot point from tax year 2018 because of changes to the tax law. All yo...
by MrJones
Tue Feb 13, 2018 12:20 am
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4586

Re: Random conversations regarding money

You missed a great opportunity to open up other conversational wormholes such as "fiat money" and "hyperinflation" and "prepping for SHTF". Here's a classic look at some possible gold-focused topics for the next time you meet: http://ritholtz.com/2013/04/the-10-rules-of-goldbuggery/ Also don't forg...
by MrJones
Fri Feb 09, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Worried about employer not paying all I am owed
Replies: 29
Views: 2516

Re: Worried about employer not paying all I am owed

Watty wrote:
Sat Feb 03, 2018 9:51 pm
sport wrote:
Sat Feb 03, 2018 9:36 pm
I would be looking for another job.
+1
+1. Let me add: I would be looking for another job right away.
by MrJones
Fri Feb 09, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5888

Re: Live / work in California - Technology Career

mega317 wrote:
Fri Feb 09, 2018 10:47 am
If you make enough money to consider those areas then the only expense you listed that will actually matter to your life is housing.
+1.
by MrJones
Fri Jan 19, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3677

Re: How do you adjust side mirrors in a car?

lightheir wrote:
Fri Jan 19, 2018 9:51 am
Someone probably mentioned it, but a $5 blind spot mirror from Amazon will instantly cover your blind spot and let you use the mirror whatever way you want otherwise. Works great.
+1. It also helps eliminate blind spots across 3 or 4 lanes if you drive on such roads frequently.
by MrJones
Wed Jan 17, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 431
Views: 33950

Re: What frugal thing did you do today?

neilpilot wrote:
Sun Jan 07, 2018 4:58 pm
I do not own and do not desire a landline phone. My cell phone service (unlimited voice & text only) costs $2.47/month, probably more frugal than a land line.
May I ask what carrier you are with and what plan you have?
by MrJones
Mon Jan 15, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 27
Views: 5504

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

I'm really still not getting the point here even after reading this. Is this specific to bonds? How/why does YTD go down, then up again in a year? YTD on January 2 is a measure of the performance of the market on ONE day - January 2nd. So if the market is down 10%, YTD is -10%. How useful is this a...
by MrJones
Mon Jan 15, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Plan - How to make the most of it?
Replies: 43
Views: 4859

Re: New Tax Plan - How to make the most of it?

FiveK, may I ask where you got this graph from? Is it a spreadsheet that is available in the tool section of the bogleheads? If so could you please point me to it? Thank you. Yes, that's where it is: the personal finance toolbox spreadsheet. See also https://www.bogleheads.org/forum/viewtopic.php?f...
by MrJones
Mon Jan 15, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4895

Re: Nostalgic about old online brokerages that no longer exist

I still have my Datek checkbook! I don't fully remember exactly why my trading account had a checkbook associated with it.
by MrJones
Sun Jan 14, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement possible?
Replies: 12
Views: 1820

Re: Early retirement possible?

Since your income is coming from the rentals, do you have a fund saved for unexpected repairs and such?
by MrJones
Sun Jan 14, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Plan - How to make the most of it?
Replies: 43
Views: 4859

Re: New Tax Plan - How to make the most of it?

I make $142k (single filing, FL), and contribute almost $50k to max all possible accounts (403b, 457, HSA). ... In 2018, I save 0% from contributing anything to retirement accounts. That is not correct. For a single filer under age 65, gross income $142K and making a $3450 HSA contribution, the mar...
by MrJones
Sat Jan 13, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Preservation after an 8 year bull market
Replies: 17
Views: 2052

Re: Capital Preservation after an 8 year bull market

For the first time in my investing life I feel a new emotion - fear. I'm a 35 year old with $500,000 in 100% stock assets and want to know the smartest way to take some of my wins off the table. Are you perhaps experiencing fear and desire for more together? If it's just fear, the simplest thing to...
by MrJones
Sat Jan 13, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 27
Views: 5504

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

Most definitely; it's better to lose half a percent than to lose a whole percent. But the broader point is that YTD is a stupid way to measure performance. It starts out really stupid, then by the end of the year it's almost not stupid any more, and then it resets to being really stupid again. Lear...
by MrJones
Sat Jan 13, 2018 4:08 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 17422

Re: How does everyone keep track of your portfolio?

I've used www.sigfig.com, what's time doing so because of privacy concerns.

I use Excel now.

Yet another big advantage of having a simple portfolio - easier tracking.
by MrJones
Fri Jan 12, 2018 2:23 am
Forum: Personal Consumer Issues
Topic: International return of purchase
Replies: 1
Views: 175

International return of purchase

I'm in a bit of a situation. I ordered an item from an international vendor. The specification was incorrect. This might have been my fault, or it might have been the website's, I don't know. I pointed this out, but vendor shipped the item before it could be rectified. I haven't received the item ye...
by MrJones
Tue Jan 09, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 930

Re: Advice sought: can/should we pay for a bigger rental place?

Does the dog bark incessantly because it is left home alone while the two of you are at work or does it just bark all of the time? Either way I sympathize with your neighbors. The new rental may or may not be a solution to this problem. If you can afford daycare for the (potential) baby maybe you s...
by MrJones
Tue Jan 09, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Advice sought: can/should we pay for a bigger rental place?
Replies: 21
Views: 930

Re: Advice sought: can/should we pay for a bigger rental place?

Rent bump by $700 looks absolutely fine given your incomes, even on a single income. > We're hoping to lock in this rate for the next few years, I would completely take this away as a factor. Too many problems here unless your sign a 5 year lease. What if the landlord loses their job and wants more ...
by MrJones
Sun Jan 07, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2407

Re: "Sharing" Internet/WiFi with neighbors?

Suppose you were in my home and I have home wifi. Do you claim that my letting you use wifi in my home would be improper/illegal? Are you suggesting that "sharing" your internet with your neighbors on the block is similar to this and with a straight face??? I didn't post that comment, but the poste...
by MrJones
Sun Jan 07, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2407

Re: "Sharing" Internet/WiFi with neighbors?

MrJones, You have a valid point. Here you go. An example of T&C of consumer Internet service. That's probably much more useful, thanks! Of course, there's no such thing as a typical contract in these cases. It's going to vary widely across states and jurisdictions. Given that, one has to question t...
by MrJones
Sun Jan 07, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2407

Re: "Sharing" Internet/WiFi with neighbors?

On my smartphone, I notice several neighbors' WiFi names. Are there any prohibitions or legalities with neighbors sharing WiFi access? In the right circumstances, seems like several neighbors could save on Internet fees by such "sharing". Can't say I know what all the legal ramifications are, if ev...
by MrJones
Sun Jan 07, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2407

Re: "Sharing" Internet/WiFi with neighbors?

I live in a condo building with 8 units. I compelled my neighbors to get a business internet line under the associations name. The line comes into the building where we have a switch and then goes to each unit. Each unit has their own wireless router. I'm pretty sure RCN knew what we were requestin...
by MrJones
Sun Jan 07, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2407

Re: "Sharing" Internet/WiFi with neighbors?

On my smartphone, I notice several neighbors' WiFi names. Are there any prohibitions or legalities with neighbors sharing WiFi access? In the right circumstances, seems like several neighbors could save on Internet fees by such "sharing". dm200, A) In the standard T&C of your Internet service, you ...
by MrJones
Sat Jan 06, 2018 5:04 am
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6088

Re: Misuse of adverse when averse was meant

Alex Frakt wrote:
Sat Jan 06, 2018 2:03 am
mega317 wrote:
Sat Jan 06, 2018 1:40 am
Alex Frakt wrote:
Sat Jan 06, 2018 1:37 am
it's antonym.
Nice.
:oops: Fixed the possessive its.
Skitt's Law: http://knowyourmeme.com/memes/skitt-s-law
by MrJones
Sat Jan 06, 2018 5:02 am
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6088

Re: Misuse of adverse when averse was meant

I could care less about this and won’t loose any sleep over it. I’m getting my 1099’s too send too the accountant and I’m to involved in that right now to worry about spelling and grammar. Pubic, public, what’s the difference!? We all know what is meant. So I just let auto fill pick my words for me...
by MrJones
Fri Jan 05, 2018 9:54 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 6088

Re: Misuse of adverse when averse was meant

bottlecap wrote:
Fri Jan 05, 2018 7:51 pm
I have yet to see one poster use the phrase "begs the question” correctly.
JT
Me too! This has become so bad that I see news anchors on TV use it the wrong way all the time.
by MrJones
Thu Jan 04, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 249
Views: 35791

Re: Fidelity free Turbotax

libralibra wrote:
Thu Dec 21, 2017 3:22 am
SittingOnTheFence wrote:
Thu Dec 21, 2017 2:08 am
Same here, most of my assets are at Van but do have a rollover IRA, high 7 figures at Fidelity.
gee, having close to 10m in an IRA is rather unusual.

Isn't "high 7 figures" really 99 million dollars?
by MrJones
Tue Jan 02, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 431
Views: 33950

Re: What frugal thing did you do today?

Shallowpockets wrote:
Sun Dec 24, 2017 12:51 pm
Being frugal should extend beyond your personal world. Maybe to resource use. So to take a longer shower purposely at the gym is not frugal at all. Frugal is about money but also about waste of a resource when it is not necessary.
+10
by MrJones
Sun Dec 31, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: When do true-up employer 401k contributions occur?
Replies: 14
Views: 786

Re: When do true-up employer 401k contributions occur?

lostinjersey wrote:
Sat Dec 30, 2017 2:13 pm
Yep. The true-up is to make you 'whole' for any match you missed on a per-payroll basis, taking into account your contributions on an annual basis.
Thanks a bunch for the explanation and example!

OP, sorry for the slight derailing of your thread.
by MrJones
Sat Dec 30, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: When do true-up employer 401k contributions occur?
Replies: 14
Views: 786

Re: When do true-up employer 401k contributions occur?

Would someone mind telling me what a true up is? I received one too in March, and my assumption has been that it is got to do with the fact that I don't spread my contributions but contribute in a lump sum and therefore don't receive an adequate employer match, which the true up compensates for. Is ...
by MrJones
Thu Dec 28, 2017 3:10 am
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

I too love numbers and data, but only when I can take true action with it. Sure, some are like that. Others love to learn how certain things around them work even if there isn't a direct and immediate benefit to themselves. That aside, read on: That is one gap in your posting you have not relayed y...
by MrJones
Wed Dec 27, 2017 3:58 am
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

Try the Blind app and the salary sharing threads on the cscareerquestions subreddit. Wow, great subreddit, tons of info. Thanks a bunch for the recommendation! Blind app seems like a great concept. But they need verification via work email. I understand this is a requirement for trust, but it's giv...
by MrJones
Wed Dec 27, 2017 2:15 am
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

dcabler, makes sense, thanks. Afty, thanks for the input too. Cppcoder, Clevrchico, and others who mentioned the h1b database, I had no idea about this, this was very helpful and interesting, thank you! The downside is salaries don't include stock and bonus which would be a significant component. Bu...
by MrJones
Wed Dec 27, 2017 1:40 am
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

My biggest question is why you are so aggro to figure this out? To the level you are posting about it. I am in tech, and would of course love more granular numbers (and am going through an offer situation at this exact moment), but I understand as much about the game as I can, negotiate, and move o...
by MrJones
Tue Dec 26, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

Yeah, I should have mentioned that idea - the friend-at-another-company route. The other thing that can happen is if you find yourself in the management ranks with a company with some sort of job grade scale, you will often see your direct reports' compa ratio data (their salary relative to mid-poi...
by MrJones
Mon Dec 25, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

This is probably the better question: "How do people know they're being compensated well as they move up?" You need to interview every 2 or 3 years. Guaranteed you are underpaid after 2 or 3 years if you are not in the top performer rating levels consistently qualifying for extra retention packages...
by MrJones
Mon Dec 25, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

There’s really two questions here. How do you know you’re being paid appropriately within your industry, and how do you know if you’re being paid appropriately within your company? You nailed it, thanks for clarifying the questions I'm really asking. Hope you don't mind me quoting you in the OP. Wi...
by MrJones
Mon Dec 25, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

Many companies do share that information with each other, usually through an intermediary firm like Radford. It allows them to benchmark their salaries against other similar companies, but it's an expensive dataset that mere mortals are unlikely to have access to. Yup. Real answer here is meet a fr...
by MrJones
Mon Dec 25, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

whodidntante wrote:
Mon Dec 25, 2017 1:40 pm
ADP sells access to anonymized salary data. It is accurate because it is based on what people actually got paid.

How easy is it for an individual to obtain? is the data by industry location or by specific company? Anyone have personal experience with ADP data?
by MrJones
Mon Dec 25, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

Re: How can I obtain compensation data?

Right, but how do I get as close to this data as possible? Can I get general ranges for the company? For the industry? Surely others need this data too?
by MrJones
Mon Dec 25, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 38
Views: 3635

How can I obtain compensation data?

If there are ten levels in a company with the lowest being new college hires and the highest being C-suite, how can I get compensation data for people at various levels? This is for the tech industry in the Bay Area. Interestingly, it's easy to get data for people at the very bottom through sources ...
by MrJones
Sat Dec 23, 2017 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21393

Re: Do you see a meaningful change in your income with new Tax Bill?

I find it interesting what members consider meaningful. There are multiple threads on how to save a few bucks on a tax program and complaints about paying $50 for a finance book, or how to read the WSJ free or on the cheap. But saving hundreds to thousands to tens of thousands of dollars on taxes i...
by MrJones
Fri Dec 22, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51112

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Within the last week or two, someone here had a link to a website that plotted a graph of income versus tax savings under the new tax law. If anyone knows what I'm talking about, would you please mind posting the link if you have it? Thank you.
by MrJones
Wed Dec 20, 2017 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Reharacterizing Roth back into traditional after backdoor
Replies: 5
Views: 588

Re: Reharacterizing Roth back into traditional after backdoor

Thanks for the limit and the link reference, DSInvestor. Just what I was looking for, but somehow missed. Looks like we may not qualify for the deduction, so my original question is moot. Thanks to all again, including SGM for the timeline warning too. Even if this didn't ultimately work out, it's g...
by MrJones
Wed Dec 20, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Reharacterizing Roth back into traditional after backdoor
Replies: 5
Views: 588

Re: Reharacterizing Roth back into traditional after backdoor

Thanks Alan S. To answer your questions: I I'm trying to figure out if we qualify for the traditional IRA deduction. Spouse does not have any earned income, but my understanding is I might be able to make a deductible spousal contribution. What I haven't really figured out is if that is still true g...
by MrJones
Tue Dec 19, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Reharacterizing Roth back into traditional after backdoor
Replies: 5
Views: 588

Reharacterizing Roth back into traditional after backdoor

I did the backdoor Roth back in January for my spouse. Now I realize a traditional IRA would have been better instead. Can I do a recharacterization back into traditional IRA? Are there any complications that I should be aware of? Thanks.
by MrJones
Sat Dec 16, 2017 2:55 am
Forum: Personal Consumer Issues
Topic: costco auto insurance
Replies: 20
Views: 10715

Re: costco auto insurance

westrichj312 wrote:
Fri Dec 15, 2017 9:01 am
If you are a good driver nobody beats Geico.
Costco and AAA both beat Geico for me, so I switched. From Geico to Costco.

Auto insurance is never quite that simple. Always shop around.
by MrJones
Wed Dec 13, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: To buy or not in the SF Bay Area (yes another one)
Replies: 24
Views: 2525

Re: To buy or not in the SF Bay Area (yes another one)

I can empathize. I'm guessing the the siren call comes from (perceived?) upside risk (OP?). Friends who bought even 2-3 years ago for less than $1M seemingly have $100k increases on their property value every year. Most of this comes because of the leverage provided by the mortgage, which renting+in...
by MrJones
Wed Dec 13, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: ESPP: max out early in the year?
Replies: 4
Views: 695

Re: ESPP: max out early in the year?

At my company it's the luck of the draw. You want to get 25k in in there, but it depends on during which period the stock has a better positive movement. That's the period you wanted to max out in. Impossible to know. For the case where you have a look back feature, and if you always sell at a fixe...
by MrJones
Wed Dec 13, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: ESPP: max out early in the year?
Replies: 4
Views: 695

ESPP: max out early in the year?

I have an ESPP which has two purchase periods a year. I want to contribute the IRS annual maximum of $25k worth. Given that, should I max contributions early in the year so I use up that maximum in the first purchase of the year or is there an advantage to spreading it out through the year?
by MrJones
Mon Dec 11, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid question about VTSAX
Replies: 6
Views: 1201

Re: Stupid question about VTSAX

It's not quite either. From https://www.investor.gov/investing-basics/investment-products/mutual-funds A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. Investors buy shares in mutual funds. Each share repr...