Search found 20 matches

by amythius
Thu Aug 31, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 2981

Re: Learning from loss

From a young 30s professional, with about 8 years investing: What I did wrong: 1. Fear kept me out of the market for some of the most prosperous years :shock: 2. Short term sight cost me long-term gains :annoyed 3. Inexperience, analysis-paralysis, rate chasing cost me over the years :( What I learn...
by amythius
Tue Aug 29, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying home together
Replies: 17
Views: 1347

Re: Buying home together

I think it depends on a few things: How long they plan on staying there (one longer than other) How mature they are My brother built his house a year before me, knowing I would pay him rent. Some families think paying a relative rent is abhorrent, but we knew the arrangement ahead of time. I would p...
by amythius
Thu Aug 24, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: New to investing
Replies: 46
Views: 2580

Re: New to investing

Just at a quick glance, I am going to assume you are both in the medical field based on your post. If this is correct, there are some more 'pointed' places for information. I know people have often referred to the whitecoatinvestor site for such professionals. But basically, your plan to pay off deb...
by amythius
Tue Aug 01, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Register for Social Security Site for Children?
Replies: 4
Views: 450

Re: Register for Social Security Site for Children?

You can and should freeze your children's credit reports. I am actually looking into this right now. Do you happen to have more detailed information on how to freeze at the big 3 / 4: Equifax, TransUnion, Experian, Innovis Equifax : Direct mail route https://help.equifax.com/s/article/ka137000000DS...
by amythius
Thu Jul 20, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Scripters/Coders - Wanting to Learn
Replies: 17
Views: 1657

Re: Scripters/Coders - Wanting to Learn

Hi All, I'm wanting to learn on my own how to code to add an additional skill set for my job. I work primarily on Windows and Linux machines and wanted to ask a few questions: 1. What code should I learn first and why? There are a variety of code that I know of (Visual Basic, Python, PowerShell, et...
by amythius
Wed Jul 12, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Benefits of real estate agent for buying new construction?
Replies: 25
Views: 1682

Re: Benefits of real estate agent for buying new construction?

My relative negotiated on the New Construction cost of his home in late 2000s without the use of a Realtor. He was able to negotiate a lower price, as well as a lower Real Estate commission from the builder's sales / RE front office. I feel he largely benefited from not using a RE agent of his own -...
by amythius
Mon Jun 19, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4955

Re: Good camera - new baby coming

1) Maybe a little more on intended uses? And budget? Are we talking $250, $400, $2k ? 2) Preference on ease / customization? 3) Size matter? I ask these because I think they matter at this point of camera evolution. Everyone knows DSLR are amazing at taking pictues. But you also need a little more k...
by amythius
Thu Jun 15, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: 28 y/o teacher looking for investment advice/critique
Replies: 9
Views: 1518

Re: 28 y/o teacher looking for investment advice/critique

Just some high-point questions that stand out to me: 1) What percentage of 403(b) are Roth now? I am assuming none as you described the Rollover to Roth IRA when exiting existing employer. 2) Are you aware of the tax implications of Converting $24k from 403 to Roth in this tax year? Do you have the ...
by amythius
Thu May 25, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for 2017 Contribs
Replies: 2
Views: 455

Re: Portfolio Review for 2017 Contribs

Since I tend to over-analyze and let emotion get in my way: I leaned towards simplicity and committed to just the two funds. Simple is best has really helped out my portfolio over the last few years.
by amythius
Mon May 22, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for 2017 Contribs
Replies: 2
Views: 455

Portfolio Review for 2017 Contribs

Emergency funds: 6 to 9 months in cash Debt: Mortgage at 3.25% with 150k balance remaining Tax Filing Status: MFJ with 2 dependents under age 4 Tax Rate: 25% Federal, 4.5% State State of Residence: OH Age: 31, spouse 32 Desired Asset allocation: 85% stocks / 15% bonds Desired International allocatio...
by amythius
Tue Feb 07, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 54
Views: 7667

Re: Cable and Internet

Residential customer in suburban area. I watched my Internet and Basic cable climb from 80/mo to about 130-140/mo over the past 6 years. Time Warner Cable ... now becoming Spectrum. With kids now, we watch maybe 45 minutes a day. I decided to sign up for Sling TV with Kids add-on this week. I will b...
by amythius
Tue Jan 03, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Do you model where you *should* be? And if so *how*?
Replies: 8
Views: 1272

Re: Do you model where you *should* be? And if so *how*?

Short point: It seems you want to capture quarterly, or yearly returns. Why not add that at some point, and historically capture that. Further point: I think people get deep in the 'forumilizing' of everything. I think what is also more important (which you appear to be reaching) is "snapshots&...
by amythius
Tue Jan 03, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 8993

Re: Are Younger people funding 529 Plans?

I am 30, SO is 31. We have a 2.5 year old and another due in 6 months. I started setting 529 contributions 1 year before each was born. I invest roughly 3k annually each for a planned 18 years. I am aware of the 'staggering cost' of college when they become of age. This is merely middle-ground for u...
by amythius
Mon Aug 10, 2015 11:11 am
Forum: Investing - Help with Personal Investments
Topic: 26 y/o - Annual Portfolio Checkup
Replies: 2
Views: 557

Re: 26 y/o - Annual Portfolio Checkup

4. 529 Correcting that a 529 can have any person as the beneficiary. And adults can use them for qualifying education expenses as well. Just look into the rules in detail or search around for more info. Look into state tax credits, that would be the only reason to do so in my mind. Also, I am the be...
by amythius
Mon May 18, 2015 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Young And Clueless
Replies: 28
Views: 3464

Re: Young And Clueless

Ok, great place to be in. It seems someone beat me to the Getting Started wiki link. But I will give my .02 plain and clear: Save 10-14% in your 401k at least, more if you can afford it while saving for housing expenses and other needs. A Target date fund is a GREAT place to sit in until you are mor...
by amythius
Mon Feb 24, 2014 11:40 am
Forum: Personal Consumer Issues
Topic: Things to do in St.Louis with a toddler
Replies: 19
Views: 2235

Re: Things to do in St.Louis with a toddler

Visited St. Louis with my wife in March 2013. It was cold when we were there but still saw a lot. We stayed near Forest Park, and there is so much to do over there for free (likely just pay for Parking). The Zoo is the most optimal choice. We also saw the Botanical Gardens for a low ticket price eac...
by amythius
Wed Nov 27, 2013 10:23 am
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 5917

Re: Jamaica Vacation - Any tips?

Just adding my two cents: I went to Jamaica (Montego Bay - Iberostar) for my Honeymoon 2 years ago. I was not particularly fond of Jamaica, in comparison to Riviera Maya, Mexico. I have been to Cancun, Mexico over spring break about 8 years ago during college. That was a scary trip... crazy... It wa...
by amythius
Sun Feb 10, 2013 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff
Replies: 5
Views: 1511

Re: Student Loan Payoff

Thanks for the encouragement. Yes, I will post in the other forums subsection when I need portfolio advice. Still not quite there yet. goodoboy, thats great. Congrats as well. Nice on the extra mortgage payments, I also plan to most likely finish it in about 15 years with more contributions later. A...
by amythius
Fri Feb 08, 2013 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff
Replies: 5
Views: 1511

Student Loan Payoff

Just wanted to share a success story from my family. My wife and I paid off her student loan debt, to the tune of roughly 35k just last week. I got tired of paying the interest, while I had an excess cash problem in our accounts (as I viewed it). I have been doing a bit of obsessive research on fina...
by amythius
Wed Jun 06, 2012 9:57 am
Forum: Investing - Help with Personal Investments
Topic: 26 yr old pension / 401 rollover
Replies: 2
Views: 450

26 yr old pension / 401 rollover

Hello, I am currently 26, married to a 27 year old, we both work and contribute to savings plans: Him: 1) Company 401k 3% match on 3%, current contribution 9% {Fidelity -- high Expense Ratios, 2040 Target} 2) 5k Roth Annualy (sitting in money market) 3) Company Pension (Pay Based Credit) Her: 1) Com...