Search found 415 matches

by mortal
Wed May 04, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting too early? Firecalc comments
Replies: 21
Views: 3608

Re: Quitting too early? Firecalc comments

In other words, is Firecalc enough to reassure you? Should I be looking at some other calculator or model? Firecalc is not enough to reassure me. Yes, it covers 1871 to the present day. Which is a lot of data. But it still all from a single country. One that was the 3rd most successful economy in t...
by mortal
Thu Apr 14, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 10899

Re: When was the most stressful financial time in your life?

In college, I was in walmart buying groceries, and I went to checkout, and my debit card was declined. Curious, I walked over to an ATM to check my balance. I was absolutely floored when I read $1.76. My scholarship money was apparently late, and the school had debited the remainder of my tuition fr...
by mortal
Sun Mar 06, 2016 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card "deadbeats"
Replies: 23
Views: 2821

Re: Credit card "deadbeats"

My understanding is they make a lot of their revenue with 'merchant fees' that they charge the business.
by mortal
Wed Mar 02, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: personal savings rate vs the general population
Replies: 69
Views: 9080

Re: personal savings rate vs the general population

You know, we hear a constant drumbeat from the financial industry that everyone is under-saving, we're living longer, returns will be lower, etc. The truth of the matter is that the mortality curve is 'squaring'. More folks are living to their 80s, but mortality, like gravity, has an inescapable pul...
by mortal
Tue Feb 23, 2016 12:42 am
Forum: Investing - Theory, News & General
Topic: personal savings rate vs the general population
Replies: 69
Views: 9080

Re: personal savings rate vs the general population

Yes, at the very least I think we're a long way from it. However, it does give me pause, as I deeply respect the man for his work on 'Four Pillars' book. I didn't understand quote, and it left me wondering what I was missing?
by mortal
Tue Feb 23, 2016 12:28 am
Forum: Investing - Theory, News & General
Topic: personal savings rate vs the general population
Replies: 69
Views: 9080

personal savings rate vs the general population

Another post here brought to memory something I read in William Bernstien's 'Retirement calculator from hell' http://www.efficientfrontier.com/ef/103/hell4.htm In it, he writes: The X-ers, and those coming after, will have a much harder time of it. If you are currently under forty, you will shortly ...
by mortal
Mon Feb 15, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: At what age for video games?
Replies: 29
Views: 2074

Re: At what age for video games?

33m here. Life-long gamer. Gaming in moderation is fine. You'll have to decide what moderation means to you. If you do restrict game time, do try to help them find something else to do. I will say, be careful of the games you buy them. When a game is rated M for mature, it's rated that for a reason....
by mortal
Mon Feb 15, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding Intl TLH: Go back to 3 funds or simplify to one?
Replies: 5
Views: 507

Unwinding Intl TLH: Go back to 3 funds or simplify to one?

Howdy folks, I'm about 75/25 stocks / bonds I'm about 55/45 dom / intl Last month I tax loss harvested my international etfs as follows VGK -> IEUR VPL -> IPAC VWO -> IEMG My 30 day holding period is about up, so I have a decision to make. Do I go back to my original 3 funds or do I simplify down to...
by mortal
Fri Feb 05, 2016 12:34 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 7278

Re: What age did you retire

I know I'm a broken record on this point, but pre-ACA ("Obamacare"), I saw many early retirements go off the rails because of an inability to purchase individual health insurance policies (because most middle-aged people have some pre-existing condition). I would warn people I had worked ...
by mortal
Sat Jan 30, 2016 12:53 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4623

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

I have a HDHP (and an HSA of course). Financially, the HDHP makes sense, but what I don't like is how every time I get sick, I ask myself, am I $150 sick? A few years back I had some chest pains. I'm young and healthy, it turned out to be indigestion. If something were to happen today where I needed...
by mortal
Wed Jan 20, 2016 12:10 am
Forum: Investing - Help with Personal Investments
Topic: How accurate is vanguard's calculation of my investment returns?
Replies: 7
Views: 1213

Re: How accurate is vanguard's calculation of my investment returns?

Thanks everyone for your replies. I do re-invest dividends. I suppose they do compound. I was mainly surprised this was the primary source of my investment returns. I used to not like them because I had to pay taxes on them every year, but I suppose I've made my peace with that. I suppose my higher ...
by mortal
Tue Jan 19, 2016 12:09 am
Forum: Investing - Help with Personal Investments
Topic: How accurate is vanguard's calculation of my investment returns?
Replies: 7
Views: 1213

How accurate is vanguard's calculation of my investment returns?

Howdy folks, The other day I logged on to vanguard to see how I was doing (mistake!). Turns out, I've lost more money in the last two months than I typically spend in an entire year (ouch!). That hurt, I won't lie. What really rubbed salt in the wound, is when I checked my returns over the past 5 ye...
by mortal
Thu Jan 14, 2016 12:43 am
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 10535

Re: What age does LBYM (being a big saver) pay off?

When I started saving and investing, I didn't really have retirement in mind. First, I wanted to save for a car. I still remember the slack jawed expression on my co-worker's face when he asked me what the payments were on a sports car I bought a year out of college. "What payments?" Price...
by mortal
Tue Dec 22, 2015 10:51 pm
Forum: Investing - Theory, News & General
Topic: A perfect storm for investors
Replies: 90
Views: 12465

Re: A perfect storm for investors

I think what I'll take out of this is that my international stocks might *finally* start pulling their weight in my portfolio! (I've been a bit salty watching them under perform the s & p 500 year after year) Whatever. My savings rate is ~ 60%, I'm 'age in bonds', and my bonds are G fund. If 'wi...
by mortal
Thu Nov 19, 2015 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Invest in timber?
Replies: 15
Views: 1340

Invest in timber?

Howdy folks, My father has come across a small parcel of land for sale at a good price, and would like me to invest half the capital needed. This would be ~ 12% of my overall portfolio. I could cover half by selling ibonds, and the other half would be covered by selling equities. I'm leaning towards...
by mortal
Mon Aug 17, 2015 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage settlement speed?
Replies: 7
Views: 798

Re: Vanguard brokerage settlement speed?

I had no trouble buying my replacement ETF. After the wash sale period is over I'll take a look at the other emerging market ETFs out there, and I'll likely be going back to VWO. I typically TLH when I can capture 3k or more, but this time I decided to settle for half that. I know at some point it's...
by mortal
Sun Aug 16, 2015 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage settlement speed?
Replies: 7
Views: 798

Vanguard brokerage settlement speed?

Howdy folks, So I just finished Tax Loss Harvesting some VWO. Given that it takes ~3 days for money to sweep to / from my money market account, do I really have to wait for it to 'settle' before buying a replacement? Could I just go ahead and buy the next etf knowing that the funds will be present f...
by mortal
Fri Jul 31, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 71
Views: 5922

Re: Frustrated with low raise

In my experience, it's not worth it to get frustrated over small raises. Corporate America *hates* giving more than a cost of living raise, but will gladly hire someone off the street for the 'market rate'. It makes no sense to me, but there it is. I simply look for a better job every few years. The...
by mortal
Sun Jun 28, 2015 9:33 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 10400

Re: dow futures down 200+ points

I invested some cash recently, and instead of lump summing it I broke it up into thirds and put the second and third chunk to buy VTI at 3% and 6% off the market price. If it doesn't trigger in a month or two I'll DCA in manually. This lets me shrug off the news and feel content that I've 'done what...
by mortal
Thu Jun 25, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 92
Views: 14829

Re: Tech jobs - is job-hopping the best way to get ahead?

I just had my performance review today. I worked my butt off over the last year, trying to move to a sr dev position. I got a measly 3% raise and a pat on the back for all my hard work. I've been here 2 years, and I'll stick it out one more to make it 3, but I'm definitely going to start looking. It...
by mortal
Tue Jun 02, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 10450

Re: Thoughts on Federal Employment

I coop'ed with the Navy while in college. It was a good experience for me, but the fed seems to have very few positions for software developers. That sort of thing seems to be relegated to contractors. As much as I'd love the job security, going private sector pays much better in my field. I'll like...
by mortal
Sat May 16, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Best cell plan for 'data hog'?
Replies: 13
Views: 1638

Best cell plan for 'data hog'?

Howdy folks, I have a grandfathered ATT unlimited data plan, that, with discount is $60 / mo. I mainly use it to listen to music / podcasts / audible and such. I used to use ~ 3g / mo, but over the past year or so it's fallen down to 1.5g, sometimes a bit over 2g. My phone is an old S3 that's off co...
by mortal
Sun May 10, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Gold bars buying advise
Replies: 43
Views: 4659

Re: Gold bars buying advise

Either way, if a jewish person escaped 1930s Nazi Germany with some gold coins, I'm fairly certain that people in New York City would have been able to measure & confirm the gold value of the coins. Sure! But by that time, they're in a safe country, and they're alive. It's not the coin dealer I...
by mortal
Sun May 10, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Gold bars buying advise
Replies: 43
Views: 4659

Re: Gold bars buying advise

Thanks all for your reply. I agree that gold may not be the best investment in the long run. However, I will still plan to buy ~1% of my portfolio in gold (for the sake of any unusual events). I also agree that the chances of getting duped in gold buying is another area of concern other than the pe...
by mortal
Sat May 09, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: why is my android phone full?
Replies: 20
Views: 3584

Re: why is my android phone full?

I think it backs up your pictures, and your installed apps. If you have username / passwords / credentials for apps that you care about, i'd write those down. Anything else (music, videos etc) I'd backup manually to an sd card to transfer via cable.
by mortal
Sat May 09, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: why is my android phone full?
Replies: 20
Views: 3584

Re: why is my android phone full?

Backup everything you care about on it, and do a 'factory reset'. Mine had 4g left out of 16, and that wouldn't have been an issue but the phone was unresponsive, had runaway processes that drained the battery, etc. I did a factory reset on mine, and it's actually usable again. You might also consid...
by mortal
Mon Apr 20, 2015 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Keep Renting
Replies: 7
Views: 1015

Re: House vs Condo vs Keep Renting

My disability does not limit me much now. I grew up doing occasional yard work on an acre. The postage sized lawns around here wouldn't be too much of a hassle. Condo fees around here range from $2-300. Property taxes are ~ .875% ( though I could have that wrong). Owning would be a slight upgrade. I...
by mortal
Mon Apr 20, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Keep Renting
Replies: 7
Views: 1015

House vs Condo vs Keep Renting

Howdy folks, I'm a 32 year old single guy. I'm a software developer, and up until now, I've been perfectly happy renting. Renting allows me short commutes and the option to relocate if need be. A couple years ago, I bit the bullet and relocated to Atlanta, the tech hub of the southeast. I'd say it's...
by mortal
Wed Apr 08, 2015 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: ABLE 529: Use cases for disabled adult?
Replies: 3
Views: 501

Re: ABLE 529: Use cases for disabled adult?

Georgia does allow one to deduct up to $2000 from your taxes, but if my math is right 2k * .06 = $120 / year off your taxes. Also, you are correct that the 235k is the contribution cut off. The account can grow beyond that. You're right that to really benefit from the account, you'd want to leave th...
by mortal
Wed Apr 08, 2015 8:32 am
Forum: Personal Finance (Not Investing)
Topic: ABLE 529: Use cases for disabled adult?
Replies: 3
Views: 501

ABLE 529: Use cases for disabled adult?

Howdy all, For those of you who don't know what the ABLE act is, think of it like a 529 specifically for people with disabilities. I know that I'm eligible to use one when the plan rolls out this summer, but I'm still a bit unsure what the use case is for an employed adult. Just my rent and transpor...
by mortal
Sun Apr 05, 2015 8:07 pm
Forum: Investing - Theory, News & General
Topic: HSA limits (include / exclude) employer contributions?
Replies: 1
Views: 434

HSA limits (include / exclude) employer contributions?

Howdy folks, Do HSA contribution limits (currently 3350 per person) include or exclude employer contributions? I ask because I know 401k limits are exclusive of employer match, and I can't imagine it would be different for an HSA. It's maddening because my employer changes it once or twice a year, m...
by mortal
Mon Mar 23, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 17517

Re: Restaurant tipping

I always thought that tipping a percentage was strange. The waiter does the same work if they're serving you coffee and a 7 dollar waffle or a fancy $15 italian dish. I nearly always tip $2 or $3 bucks. Granted I don't usually spend more than $15 on a meal out, so I think it's fair. I also think the...
by mortal
Thu Mar 19, 2015 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 8924

Re: What Age Did You First Ponder Financial Independence?

I graduated in 2008 at the start of the 'Great Recession'. I managed to land a job but my facebook feed was filled with the misery of friends who were less fortunate. At first, I just wanted to put away a few months worth of expenses just to be on the safe side. After that, I wanted a new car. I rea...
by mortal
Wed Mar 11, 2015 11:11 pm
Forum: Investing - Theory, News & General
Topic: Source for global returns over the long term?
Replies: 2
Views: 354

Source for global returns over the long term?

Howdy folks, Much has been made of the low returns predicted here recently. I thought to myself 'hmm, yeah that's nice, but didn't we get a ~ 7% return over the past ~ 150 years or so?' This period included two world wars, numerous recessions, etc. Then I thought about something else. This was the r...
by mortal
Sun Mar 01, 2015 9:42 pm
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 6434

Re: Honda fit vs VW GTI

Just wanted to thank you all for the opinions. I find the diference of opinions interesting. I know these cars are in two different class levels. That's because choosing between something sporty, and something cheap and cheerful is a big (and hard) part of the decision I'm thinking over. The GTI is ...
by mortal
Sun Mar 01, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 6434

Honda fit vs VW GTI

Howdy folks, So, in the next year or two I might be selling my miata, and buying a more practical car. I am particularly leaning buying a hatchback. I (think) I've narrowed it down to two contenders. A new Honda Fit, or a used 2012-2013 VW GTI. Now, for those of you who aren't 'car people' these two...
by mortal
Wed Feb 25, 2015 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 17310

Re: How much did you have saved up for retirement at age 30?

Well, I was 30 only a couple years back. I'm still single, and I graduated college when I was 25, so a bit of a late start... I'm kinda surprised at folks naming exact dollar figures for their networth here. Lets just say that at 30 I was 1/3 of the way towards being financially independent (@ 3% SW...
by mortal
Sat Jan 31, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Effects of early retirement on Social Security benefits?
Replies: 8
Views: 1111

Effects of early retirement on Social Security benefits?

Howdy folks, I (hopefully!) am on track to be financially independent by about 45-50 years old. I may continue working if I still find it interesting, but I also may retire. If I do retire, how would doing so at 45 effect my social security benefits as opposed to doing so at the 'normal' retirement ...
by mortal
Thu Jan 22, 2015 11:58 pm
Forum: Investing - Theory, News & General
Topic: 529 Plans in Danger?
Replies: 21
Views: 1774

Re: 529 tax advantage may go away

I doubt this will take effect unless it can be done via executive order. I was pretty excited about the 'Able Act' 529 extension. It would seem completely pointless to do away with the tax benefits of such a plan. I'm still trying to figure how it fits in with my overall savings plans. If anyone has...
by mortal
Mon Jan 19, 2015 12:26 am
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 4722

Re: Honda Civic vs Fit Safety Question

I'd make sure you consider that if you put a modern baby seat in the passenger-side rear seat of a Fit, that your adult passenger better not be more than 5' 6" or so. There's a video on Youtube of this and a typical male is going to have his knees in the glove compartment & forehead very c...
by mortal
Sat Jan 17, 2015 12:54 am
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 11988

Re: Why invest in International funds? It's a mystery

Everyone keeps mentioning Japan as an example of why you should diversify to international, but I think there are many others. For instance, how would one have faired as a citizen of the Austria-Hungry Empire after WWI, or the Axis powers after WWII? I recall seeing returns for various countries ove...
by mortal
Thu Jan 08, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate vs. FUN
Replies: 43
Views: 3957

Re: Savings Rate vs. FUN

Well, let me ask you this, (and be honest!) are you going to take the car to track days? BMW clubs typically run ~4 track days a year around here. If you plan on doing this, the m235 is likely the better choice. Having said that, track days are *expensive*. We're talking ~$500 admission, and that do...
by mortal
Thu Jan 08, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: ubunto vs xubuntu vs lubuntu laptop
Replies: 21
Views: 3409

Re: ubunto vs xubuntu vs lubuntu laptop

I've used linux almost exclusively since 2000. I *genuinely* prefer it to windows / os x unless you're into pc gaming (even then, steam is supporting linux more often now days). I settled on xubuntu. It's extremely configurable looks nice, and is light weight. I like using the keyboard over the mous...
by mortal
Mon Dec 29, 2014 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: ABLE ACT (529 for disabled) now law.
Replies: 13
Views: 2269

Re: ABLE ACT (529 for disabled) now law.

So, for someone born with a disability, who has a job, how would this be useful?

Isn't this basically a jumbo sized roth with (generous) spending restrictions?
by mortal
Sun Dec 28, 2014 12:16 am
Forum: Personal Finance (Not Investing)
Topic: ABLE ACT (529 for disabled) now law.
Replies: 13
Views: 2269

Re: ABLE ACT (529 for disabled) now law.

Update:
A helpful boglehead sent me a link to this article. It has much more in depth discussion than I've seen elsewhere.
by mortal
Sat Dec 27, 2014 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: ABLE ACT (529 for disabled) now law.
Replies: 13
Views: 2269

ABLE ACT (529 for disabled) now law.

Howdy folks, It seems congress has passed (and obama has signed ), a new law which provides for a 529 like law for people with disabilities. Some highlights gleaned from google, and the bill : Up to 14k / year can be contributed. Beneficiary must have had the disability prior to age 26. Contribution...
by mortal
Tue Nov 11, 2014 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 5562

Re: Savings rate of -2% for those under 35 - WSJ

I have to think this study is excluding investment as well. I'm a millennial, and from what I've seen of my friends my age, we all seem to be fairly frugal. I think part of the reason is that even those of us with good jobs (like myself) know a lot of folks who did everything right and are *still* h...
by mortal
Mon Oct 27, 2014 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 8817

Re: Do you dream about retirement?

I write software for a living, and most days, I like my job. Some days / weeks / months are rough though. It doesn't take many 60 hour weeks before it starts to wear me down. I look at it like I'm building a safety net, in as literal a metaphor as I can make it. Some day, when I am financially indep...
by mortal
Wed Oct 22, 2014 11:27 pm
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4591

Re: What Are We Doing To Our Young Investors?

I remember when I was doing a coop internship with the navy. The fed HR lady was a bit surprised that I even wanted to participate in the TSP. When the coop ended, I elected to leave my tiny balance there instead of roll it to an IRA. I later learned that the TSP was basically one of the best 401ks ...
by mortal
Thu Sep 11, 2014 11:22 pm
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 3696

Re: V6 or V8 engine for new Chrysler 300

Question, do you spend more time on two lane country roads, or in city / interstate traffic? If you spend a lot of time driving country roads, you'll need the power to pass quickly. I would go with the 8 cyl. If you drive mostly on city streets passing is either not allowed, or like interstates, you...

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