Search found 325 matches

by aqan
Thu Apr 19, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401K Excess Employer Profit Sharing Contribution--Ugh
Replies: 14
Views: 777

Re: Solo 401K Excess Employer Profit Sharing Contribution--Ugh

Thanks Spirit Rider! One follow up question: Could I recharacterize my “employer” contribution as an “employee” contribution? I submit all of the money I give to Fidelity on the same form (401K contributions and profit sharing). I do have to list what amounts go to what category. So, I think it cou...
by aqan
Sun Apr 15, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 91
Views: 5188

Re: 2-year AA Munis at Vanguard and Fidelity Today

For me, at 27% federal and 8% state marginal tax rates, not itemizing , this is a taxable-equivalent yield (TEY) of 3.099%. This is compared to the 2.65% yield on the best new-issue 2-year brokered CDs, which is an example of what I've been buying in tax-advantaged (typically getting slightly highe...
by aqan
Sat Apr 14, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 91
Views: 5188

Re: 2-year AA Munis at Vanguard and Fidelity Today

For me, at 27% federal and 8% state marginal tax rates, not itemizing , this is a taxable-equivalent yield (TEY) of 3.099%. This is compared to the 2.65% yield on the best new-issue 2-year brokered CDs, which is an example of what I've been buying in tax-advantaged (typically getting slightly highe...
by aqan
Sat Apr 14, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: As an expat with no US address, can I move my 401k?
Replies: 16
Views: 1277

Re: As an expat with no US address, can I move my 401k?

Bfwolf wrote:
Thu Apr 12, 2018 9:11 pm
fredjohnson wrote:
Thu Apr 12, 2018 8:39 pm
Your an ex-Pat so you are NOT a US citizen any longer? I'd say you won't be able to move the money anywhere.
Fred, a US expat is a US citizen living abroad. They keep their citizenship.
And they still have to file taxes
by aqan
Mon Apr 09, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4162

Re: New Lexus LS or Tesla Model S

Alexa9 wrote:
Sun Apr 08, 2018 9:17 am
Tesla sportier, Lexus more comfortable and proven reliable. I'd go with the Lexus if you're over 40 and Tesla if under 40.
what kind of logic is that?
by aqan
Mon Apr 02, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6392
Views: 1370946

Re: U.S. stocks in freefall

BogleMelon wrote:
Mon Apr 02, 2018 2:56 pm
For all the folk who decided to buy today, haven't you guys read rule #5? :oops:
https://www.bogleheads.org/wiki/Boglehe ... the_market
Whatever happened to ‘buy low’ sell high 15 years from niw.
by aqan
Thu Mar 29, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Tax calculators for solo 401(k)s are wrong! (or I hope I'm wrong)
Replies: 4
Views: 423

Re: Tax calculators for solo 401(k)s are wrong! (or I hope I'm wrong)

The 20% is supposed to be calculated off the employer profits... atleast that’s how I have been calculating for my wife.
You might be able to report the difference towards 2018 401K as long as you made the contribution in 2018.
by aqan
Thu Mar 29, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11513

Re: 2018 Forester vs CRV vs RAV4

All 3 are solid vehicles. It will just boil down to what you feel most comfortable driving, sitting position etc.
I’d take a couple of test drives for each and try to feel the car.
by aqan
Sun Mar 25, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1616

Re: How to Learn to Build a Web App

https://www.pluralsight.com is a very good tech learning website. They have beginner, intermediate, and advanced courses on a wide range of subjects. We use it at our company and I assign my junior developers courses when I feel they need to learn a new technology. If you're looking to build a mode...
by aqan
Fri Mar 09, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 9084

Re: Can I take an 85+% pay cut for fun?

since you're a software developer you can probably find another developer job with similar salary in case your dream doesn't turnout to be as good as you thought. I'd say go for it. BTW if you don't mind sharing whats the other profession? just wondering what could be worth loosing $250k a year.
by aqan
Wed Mar 07, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: TDA Solo 401k Question
Replies: 4
Views: 163

Re: TDA Solo 401k Question

To all those with a TDA solo 401k, Is there a way to fund the account via an electronic transfer or internal transfer from the brokerage account? I am trying to transfer funds over but it doesn't seem to let me. Are my only choices physically mailing in a check or dropping one off to a TDA branch l...
by aqan
Mon Mar 05, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Is digital retinal imaging a scam?
Replies: 14
Views: 1195

Re: Is digital retinal imaging a scam?

Ophthalmologist here. Yes, it's a scam. The only reason to image the retina is if you have a problem that warrants further investigation. If the optometrist can't determine this with a clinical exam, then you should find a different optometrist or see an M.D. Is this the same thing as the picture o...
by aqan
Thu Mar 01, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 77
Views: 7115

Re: AAPL, AMZN, or GOOG?

All three. Throw in MSFT and TSLA as well. Can’t go wrong with an tech etf either.
by aqan
Sat Feb 24, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 24347

Re: TurboTax Prices

Turbo Tax Premier is $69 @ Amazon now. Right, and it's been pretty stable since end of November, except for one day (Dec 7) where it dropped to $54.86... for about four hours. I did get the camelcamelcamel notification that day, but by the time I got around to buying it the price had already been c...
by aqan
Thu Feb 22, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 25
Views: 2843

Re: Thinking about selling GE to invest in an index fund

No one knows whether or not the stock has hit the bottom but You’ve probably taken the biggest hit already. Moreover its only 2% of your portfolio. Unless you’re taking a capital loss I don’t see the point in selling now?
by aqan
Sat Feb 17, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 11438

Re: I'm Cancelling My Home Insurance

Anyone on here that doesn't have a home insurance policy? What's your experience? My home is paid for and worth about 12% of my net worth and I'm thinking about canceling the homeowners policy and keeping the umbrella policy. If I cancelled and the house burned down, it would just be like a 12% mar...
by aqan
Thu Feb 15, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 33
Views: 2616

Re: Used Chevy Volt - Which year should I look at?

I didn't read all the posts, but I just saw an article this week on the top 10 quickly depreciating cars. The Volt was on the list. So, I guess that can be good or bad depending on your perspective. that might be why it caught OP's eye. My wife has the 2017 Volt and likes it. Pickup is great, she g...
by aqan
Thu Feb 15, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11793

Re: Did you learn anything from the market correction?

Yup. It confirmed that the market always does the opposite of common concensus. When majority of people predict that market will kerp going up, it goes down and when everyone is panicked and believes that market will keep falling, it starts recovering:)
by aqan
Wed Feb 14, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 9934

Re: Can someone help me explain to my wife...?

3funder wrote:
Wed Feb 14, 2018 10:21 pm
Make sure you're the only one with the account username and password! Kidding (sort of).
lol.. you'll surely get him kicked out to the doghouse if not worse.
by aqan
Thu Feb 08, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6392
Views: 1370946

Re: U.S. stocks in freefall

Xanadu wrote:
Thu Feb 08, 2018 10:32 pm
Cool I’m in the top 5 in the the 2018 Bogleheads contest now :D
the what?
by aqan
Mon Feb 05, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: How to receive large payment for a boat, PayPal vs Wire
Replies: 31
Views: 2051

Re: How to receive large payment for a boat, PayPal vs Wire

Meet at purchasers bank with the boat. Go to cashier with them and watch them get a cashiers check. Take the check and give them the title. Unhook the boat and go. You will get hosed if you use PayPal. Cashiers check is the safest. you don't really have to go to buyers bank tho, just ask them to ge...
by aqan
Mon Feb 05, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6392
Views: 1370946

Re: U.S. stocks in freefall

It's official. You dip-buyers stepping up or are you hiding under the covers?? STOCK ROUT IN FULL FORCE, DOW IN FREE FALL DOWN MORE THAN 1,000 POINTS Not enough of a drop to justify buying yet. We are only talking about 6-7% in a week. Not even at proper correction level. Wake me when it's at least...
by aqan
Mon Feb 05, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6392
Views: 1370946

Re: U.S. stocks in freefall

People need to stop wishing for a crash. At least out loud. Even if YOU don't get hurt, many people will. I've been thinking the exact same thing when I've been reading this thread for the past week. EXACTLY. Some of us are literally on the verge of retirement. Others are IN retirement. People like...
by aqan
Mon Feb 05, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6392
Views: 1370946

Re: U.S. stocks in freefall

knpstr wrote:
Mon Feb 05, 2018 5:31 pm
S&P 500 down 1.4% YTD... looking to go from all equities to all cash. IPS says: "act on impulse"

Thoughts?
And when do you plan to go back in?
by aqan
Sat Feb 03, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 16309

Re: Blood in the water- buying?

Blood??? The market barely lost one week of gains. Its still up an unreal amount YTD.
by aqan
Sat Feb 03, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: How to receive large payment for a boat, PayPal vs Wire
Replies: 31
Views: 2051

Re: How to receive large payment for a boat, PayPal vs Wire

Meet at purchasers bank with the boat. Go to cashier with them and watch them get a cashiers check. Take the check and give them the title. Unhook the boat and go. You will get hosed if you use PayPal. Cashiers check is the safest. you don't really have to go to buyers bank tho, just ask them to ge...
by aqan
Mon Jan 29, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Is middle initial important? [How to title a legal document]
Replies: 11
Views: 1507

Re: Is middle initial important?

I rarely use my middle initial. besides the international flights where they request name as in passport, I usually omit the middle initial line in most forms. never had any issue so far:)
good luck.
by aqan
Thu Jan 25, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Remotely power cycle devices?
Replies: 3
Views: 356

Re: Remotely power cycle devices?

Try the strip if you have multiple devices at the same spot

https://www.amazon.com/dp/B074SFQDN5
by aqan
Mon Jan 22, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7948

Re: Short Commute or Nicer House?

Looks like a win-win to me... 30 minute commute is not too bad, you’ll get to spend some time alone and catch up on radio:)

both options are great options depending upon which stage of life you’re in. You’ll need to decide what works better for you at your current situation.
by aqan
Mon Jan 22, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2758

Re: Cutting cable

We got DirectvNow. Good enough for my light appetite. Fair warning: DVR is non existent so you’ll be frustrated with the ads.
You can probably still get a free apple tv 4k + 4 months prepaid service for $120. Not a bad deal if you want to try.
by aqan
Sun Jan 21, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: 300K 15yr mortgage or sell investments?
Replies: 4
Views: 534

Re: 300K 15yr mortgage or sell investments?

You know better about your tax situation but may not be a bad idea to sell when the market is high and invest new money in the market instead of paying mortgage every month.
by aqan
Sat Jan 20, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 3424

Re: What's your annual cost of living (expenses)?

OP How are you managing for 53K in a VHCOL? How is the COL categorized ?
by aqan
Sat Jan 20, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 8483

Re: Fear of dying with too much money?

2b2 wrote:
Sat Jan 20, 2018 3:51 pm
How much is too much?
If one dies with $100 in a checking account, is that "dying with too much money"?

2b2
you decide.
by aqan
Sat Jan 20, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3083

Re: Telemarketing calls from my own prefix

T-mobile has a great feature called Spam Blocking. Many of the calls will show up as "Scam Likely" or you can completely block them.
more here..
http://firstorion.com/who-is-scam-likel ... alling-me/
by aqan
Thu Jan 18, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 40
Views: 4841

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

I use T-Mobile extensively overseas during by business trips and I have to say it is the best thing to know that you will have full connectivity no matter where you go. Last summer I happen to stop by a sprint store to checkout their offerings and the guy told me that the international data is inclu...
by aqan
Thu Jan 18, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 26
Views: 2315

Re: Are ETFs Really That Safe?

Whoever told you that.. ask them about the ‘safe’ upcoming bitcoin ETF.
by aqan
Tue Jan 16, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 39
Views: 4780

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

squirm wrote:
Mon Jan 15, 2018 2:31 pm
Around here is where I think the bull market ends, Similar to Dow 10,000 Nasdaq 5000 in 2000.
Lets see how many more people think that. Remember, market always does opposite of the most common consensus.
by aqan
Tue Jan 09, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 4835

Re: Forgot to make my $5500 contribution for 2018

fastpace_re wrote:
Tue Jan 09, 2018 2:37 pm

Should I be kicking myself that I'm not getting my money in until today (or tomorrow)?
I’d be banging my head on the wall if i were you.
by aqan
Mon Jan 08, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 8351

Re: New mattress

Start by reading the forums and the articles here https://www.themattressunderground.com/mattress-forum.html the user Phoenix is the most knowledgeable owner/member on a subject on any forum I've seen he knows more about mattresses than any one person should know, he breaks down the memory foam den...
by aqan
Mon Jan 08, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Two-Factor Authentication (2FA) and Google Authenticator
Replies: 7
Views: 699

Re: Two-Factor Authentication (2FA) and Google Authenticator

isn't there a list of banks/FI's that support the MFA (Multi Factor Auth)? unfortunately my CU (GTE) doesn't support MFA yet but I remember seeing a thread with the list of institutions supporting MFA on BH.... you should check if your FI supports the MFA and go for it if it does. There's too much r...
by aqan
Mon Jan 08, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tobacco Stocks
Replies: 10
Views: 1167

Re: Tobacco Stocks

I have quite some time before retirement, and I have all of my portfolio in ETFs. Now that I am properly prepared for market fluctuations, I'd be willing to take on the risk of purchasing individual stocks. I've taken interest into Philip Morris (PM), because it isn't subject to US lawsuits, and th...
by aqan
Fri Jan 05, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27562

Re: Hitting The Sell Button

A nice problem to have but if I was 35 years old, I would simply be enjoying the ride. I'm 35 but certainly do not enjoy investing new money into stocks at a Shiller PE of 33. I already changed my AA from 80/20 to 75/25 but still feel uneasy about that. I'm 45. Changed my allocation to 60/40 for th...
by aqan
Wed Jan 03, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13348

Re: Embarrassment Preventing Retirement Work: A factor for you?

I don't need the income, but wonder what it would be like to work various part-time jobs. I've thought about being a checkout clerk at Whole Foods or something similar. One thing that holds me back is that I've been quite successful in my community and I am certainly not anonymous. When I think abo...
by aqan
Sun Dec 31, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Solo 401k - Contribution Options
Replies: 7
Views: 646

Re: Fidelity Solo 401k - Contribution Options

That’s what bugs me too. I spoke to the rep last year and they said that there’s no other way, they need to keep a record of contribution.
by aqan
Wed Dec 27, 2017 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I continue paying off debt like I did in 2017?
Replies: 7
Views: 1687

Re: Should I continue paying off debt like I did in 2017?

Paying off debt certainly feels good. I'd allocate some of that money to the mortgage and taxable account (stocks/mf?). you're effectively getting ~3% return on your debt payoff due to it being tax deductible may not be a bad idea to invest some in a taxable account to get a better return over a lon...
by aqan
Sun Dec 24, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: cost basis of inherited home sold after 18 months
Replies: 7
Views: 1039

Re: cost basis of inherited home sold after 18 months

I don't see why you'd do anything other than use the appraisal, given that a qualified appraiser has determined the value on the date of death. Why would your guess or theories about the value be more meaningful than a professional appraisal? I agree. If you had qualified appraiser appraise the hou...
by aqan
Fri Dec 22, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds
Replies: 97
Views: 12867

Re: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds

I’m in the same boat. Nothing wrong with 30% bonds in this market. Plus you’ll have something to sell and buy stocks when there’s a sale.
by aqan
Thu Dec 21, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11547

Re: Any Instant Pot users here?

harrington wrote:
Thu Dec 21, 2017 7:20 pm
aqan wrote:
Thu Dec 21, 2017 6:05 pm
Lol. Is it only me who thought it was a new kind of POT.
Nope I did too :oops:
would have been great to see a pot thread on BH. :D :D
by aqan
Thu Dec 21, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11547

Re: Any Instant Pot users here?

Lol. Is it only me who thought it was a new kind of POT.