Search found 914 matches

by CppCoder
Sat Feb 29, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9613

Re: How Do you Exercise Indoors?

I have a Concept 2 model D rower, their skierg, and their bikeerg. I hit my first million meters on the rower a few years ago and my millionth bike meter today (hooray...second free million meter T-shirt in the mail). I'm at about 1/2 million meters on the skierg. The skierg is absolutely brutal car...
by CppCoder
Wed Feb 12, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10187

Re: Best Oil?

I work for an oil company that sells one of these products. I always use...wait for it...whichever fully synthetic the shop has in stock. I'm sure my friend in marketing would be mortified. I think the Honda place around here has a deal with Penzoil, so that's what goes in the Honda... Gasoline, on ...
by CppCoder
Sun Feb 09, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Help an Overthinker Pull the Trigger on a Used SUV Purchase
Replies: 34
Views: 2595

Re: Help an Overthinker Pull the Trigger on a Used SUV Purchase

all car dealerships are closed on Sundays Seriously? Seems like that would really cut down on sales days when people are off work and able to test drive a car. I double checked and all the dealers around here (DC) seem to be open today. It's state dependent -- leftover "blue laws." In Texas, the la...
by CppCoder
Tue Feb 04, 2020 8:39 pm
Forum: Personal Investments
Topic: RSUs about to vest. However,
Replies: 21
Views: 1944

Re: RSUs about to vest. However,

Sell immediately. RSUs should be thought of as a delayed cash bonus with a variable payout. If someone handed you the same amount in cash today, would you turn around and buy your company's stock. It's not about finding an asset that pays higher returns, it's about risk management. If you sell immed...
by CppCoder
Sun Jan 19, 2020 3:16 pm
Forum: Personal Investments
Topic: Stretch IRA Question
Replies: 13
Views: 898

Re: Stretch IRA Question

For many children, gifting them too much in their prime working years degrades incentive to work, triggers visions of early retirement and entitlement mentality. Could turn out to be a net negative in the end. Depends on the individual and their motivation. I always view money as only degrading an ...
by CppCoder
Sun Jan 19, 2020 9:07 am
Forum: Personal Investments
Topic: Pay down mortgage or add to taxable account?
Replies: 28
Views: 2180

Re: Pay down mortgage or add to taxable account?

I could pay off my mortgage with investments in taxable four times over, but I don't want to pay the capital gains taxes. It would probably negate the benefit of paying off the mortgage (15 yr at slightly under 3.25% - last year claimed standard deduction for first time since being a homeowner). My ...
by CppCoder
Tue Jan 14, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Advanced Excel (Software)
Replies: 11
Views: 1335

Re: Advanced Excel (Software)

First you have a calculation problem. So, to solve your problem, you become an Excel expert. Now you have two problems. :D

Sorry, sometimes unraveling the mess that is the product of excel "experts" is the bane of my existence.
by CppCoder
Sat Jan 11, 2020 3:08 pm
Forum: Personal Investments
Topic: MF to ETF for Taxable (Which funds?)
Replies: 6
Views: 382

Re: MF to ETF for Taxable (Which funds?)

I agree that ETFs are generally more tax efficient to own. I still prefer the benefits of mutual funds over ETFs and hold only mutual funds in taxable (at Fidelity). Just like I have enough money to not care that my car takes premium gas, I have enough money to not care that I (likely) pay more in t...
by CppCoder
Sat Jan 11, 2020 2:53 pm
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 7167

Re: New Here Fidelity or Vanguard

emacs! ...oh wait, wrong internet battle... Fidelity! I generally do everything myself through the website, but in a few instances, I've either needed (or wanted) to go to the branch office, and they were great. Recently, I needed to call them, and they were great. The customer rep even went so far ...
by CppCoder
Fri Jan 10, 2020 9:27 am
Forum: Personal Investments
Topic: Roth IRA for a 15 year old
Replies: 23
Views: 1085

Re: Roth IRA for a 15 year old

I second the idea that you should ensure that your son has qualifying income to permit funding a Roth IRA. Personally, I like Fidelity. I would recommend FZROX, Fidelity Zero Total [U.S.] Market Index Fund. It has zero fees, a zero expense ratio, and $0 minimum to invest. They also have a zero inter...
by CppCoder
Tue Jan 07, 2020 6:16 pm
Forum: Investing - Theory, News & General
Topic: Odds that Fidelity starts charging an ER for their Zero funds in the future?
Replies: 37
Views: 2338

Re: Odds that Fidelity starts charging an ER for their Zero funds in the future?

Zero. FSKAX, the Total U.S. Market fund they "charge" for has an ER of 0.015%. If they were to ever want to charge a fee for their zero U.S. fund, FZROX, they'd probably just merge it with FSKAX and "disappear" the zero fund. A more interesting question, in my opinion, is will they ever get rid of F...
by CppCoder
Tue Dec 31, 2019 9:12 am
Forum: Personal Investments
Topic: Sell Investments for MBA tuition?
Replies: 10
Views: 663

Re: Sell Investments for MBA tuition?

it will probably be a good idea to realize the taxable gains in the year where you have low income, so you can reset to a higher cost basis without paying capital gains tax. How do I go about doing this? Is it the process of selling the taxable VTSAX and immediately buying back to reset my cost bas...
by CppCoder
Tue Dec 31, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: 401k catch-up contributions
Replies: 25
Views: 1426

Re: 401k catch-up contributions

I second livesoft's caveat. I believe my plan is "stupid" as well, requiring a number in a separate box (not positive as I'm younger than 50). I believe I recall reading that the numbers are kept separate because catch-up contributions are not matched and therefore must be accounted for separately.
by CppCoder
Sun Dec 29, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Question about computers with two hard drives (SSD and regular hard drive)
Replies: 36
Views: 2566

Re: Question about computers with two hard drives (SSD and regular hard drive)

You may find that it's cheaper to buy the computer at Costco, buy an SSD on Amazon, and swap them out yourself versus buying direct from the manufacturer. You will need to be comfortable installing an operating system from disk (unless you are just chucking the hdd and living with two ssds). I just ...
by CppCoder
Tue Dec 24, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Navigation App - Android Auto
Replies: 22
Views: 794

Re: Navigation App - Android Auto

I haven't used Android Auto, but I have used Apple CarPlay. I assume they are similar. If they are, then you plug in your phone and use the phone apps through the vehicle's native system (including the car's speakers for turn by turn directions). In my car, there is a smartphone button, and it bring...
by CppCoder
Fri Oct 11, 2019 3:10 pm
Forum: Personal Investments
Topic: Should I put Fidelity US Bond Index in Roth IRA?
Replies: 12
Views: 1016

Re: Should I put Fidelity US Bond Index in Roth IRA?

hoaius7 wrote:
Thu Oct 10, 2019 8:34 pm
Thanks for your advice. BTW Fidelity is $0 commission now.
Great! I hadn't seen yet that Fidelity matched Schwab. Now I can save $4.95/yr on my one annual trade when my RSUs vest :).
by CppCoder
Thu Oct 10, 2019 8:25 pm
Forum: Personal Investments
Topic: Should I put Fidelity US Bond Index in Roth IRA?
Replies: 12
Views: 1016

Re: Should I put Fidelity US Bond Index in Roth IRA?

So my questions are: - In Roth IRA: is it best to put Fidelity Total Bond FXNAX? - In brokerage account: should I buy FZROX or ITOT/VTI? (considering their performance are the same, VTI/ITOT are more tax-efficient but FZROX is zero-fee) Thank again, H First question: Is it best to put Total Bond in...
by CppCoder
Wed Sep 18, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Oil and Gas?
Replies: 38
Views: 3419

Re: Bogleheads in Oil and Gas?

I'm in the Oil & Gas industry. I've been with the same major for 15 years; I've been in research or research adjacent positions the whole time. I save a lot of money, but that's my personality, not out of fear of job loss. I honestly never worry about job security. I see a mixed bag of Boglehead min...
by CppCoder
Tue Sep 17, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: How to build hardware for a product protoype ?
Replies: 21
Views: 1561

Re: How to build hardware for a product protoype ?

3. You should at least file for a patent to protect your idea. But If I were you, I would document my Idea, put it in an envelop, and register mail it to myself. And when I receive it, I would not open the envelop, and save it, and hope that I you never need it. That would be the cheapest way to pr...
by CppCoder
Sun Aug 18, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14977

Re: Anyone retire in their 30s?

To say “just delegate” is easier said than done and is highly dependent on the quality of your direct reports. My company has been in growth mode for over a decade and the vast majority of our technical employees are directly out of school, and the boomer generation is retiring. The people that hav...
by CppCoder
Sun Aug 18, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14977

Re: Anyone retire in their 30s?

To say “just delegate” is easier said than done and is highly dependent on the quality of your direct reports. My company has been in growth mode for over a decade and the vast majority of our technical employees are directly out of school, and the boomer generation is retiring. The people that hav...
by CppCoder
Sun Aug 18, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14977

Re: Anyone retire in their 30s?

That last comment really resonates with my current situation. I’m just burned out and kind of “done” with any sort of corporate role, disillusioned with its rigid culture and work/life balance, and lack of meaningful incentives for exceptional performance. Most people think of their job as a game w...
by CppCoder
Fri Aug 16, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5837

Re: I wanted to teach myself computer programming.

What do you really want to learn, how to hack some code together or how to really program? What is your domain: computation, data science, web programming, operating systems, basic task automation? If you just way to play, like others recommended, just learn some python. If you really want to learn...
by CppCoder
Fri Aug 16, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Pharmacist to Data Analyst Role
Replies: 38
Views: 3474

Re: Pharmacist to Data Analyst Role

I know this area fairly well (I manage a large data science group for a mega corp and have a PhD in a related area). What is it that you are specifically trying to accomplish? Are you trying to really understand the theoretical underpinnings of the field or just hack around to get some quick and di...
by CppCoder
Thu Aug 15, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5837

Re: I wanted to teach myself computer programming.

I would explicitly recommend against C++ because it intentionally makes every compromise in favor of execution speed and against comfort, safety, and easy of use. I feel I should be offended by this comment. Alas, for the OP's scenario, it is likely true... :beer Edit: I would add that those are no...
by CppCoder
Thu Aug 15, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5837

Re: I wanted to teach myself computer programming.

What do you really want to learn, how to hack some code together or how to really program? What is your domain: computation, data science, web programming, operating systems, basic task automation? If you just way to play, like others recommended, just learn some python. If you really want to learn ...
by CppCoder
Thu Aug 15, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Pharmacist to Data Analyst Role
Replies: 38
Views: 3474

Re: Pharmacist to Data Analyst Role

I know this area fairly well (I manage a large data science group for a mega corp and have a PhD in a related area). What is it that you are specifically trying to accomplish? Are you trying to really understand the theoretical underpinnings of the field or just hack around to get some quick and dir...
by CppCoder
Fri Aug 02, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: luxury vehicle: what income/asset range
Replies: 75
Views: 5154

Re: luxury vehicle: what income/asset range

car buying is a hot topic. Some people don't see a vehicle as all that important as long as it gets you from point A to point B. Others actually like driving and prefer a vehicle that is higher in performance. The problem is that many by the higher priced vehicles for the status and drive around li...
by CppCoder
Wed Jul 31, 2019 5:53 pm
Forum: Investing - Theory, News & General
Topic: What are the effects of the recent Feds Rate Cut?
Replies: 28
Views: 4133

Re: What are the effects of the recent Feds Rate Cut?

I haven't checked. It's not something I follow closely. Remember, the Fed sets overnight rates, and the rates most of us care about are longer-term rates, which are set by the market and only loosely linked to the Fed rate. The Fed rate went up 0.25%. If the 10-year Treasury rate also goes up 0.25%...
by CppCoder
Tue Jul 30, 2019 6:26 pm
Forum: Personal Investments
Topic: Municipal bonds
Replies: 20
Views: 1717

Re: Municipal bonds

Yes, you should buy bonds via funds. There is nothing intrinsically wrong with buying individual bonds. However, you have bought a financial instrument that you clearly do not understand; this behavior is ill advised.
by CppCoder
Sun Jul 28, 2019 10:12 am
Forum: Personal Investments
Topic: Mega Backdoor Roth: How much to expect to pay on the interest growth?
Replies: 7
Views: 492

Re: Mega Backdoor Roth: How much to expect to pay on the interest growth?

For those of you that have contributed to the Mega Backdoor Roth with your employer and do a once a year conversion, how much on average have you paid in taxes? My employer allows the mega backdoor Roth once per year. On average, I have paid $0 in taxes. My first year, I accumulated a loss from hav...
by CppCoder
Mon Jul 22, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Lightweight, durable, laptop bag
Replies: 29
Views: 1864

Re: Lightweight, durable, laptop bag

I've gone through a lot of laptop bags. Personally, I really like the one I bought about a year or so ago by Samsonite. I think I have the xenon 2.0, but I don't remember. I bought it at Office Depot or Office Max, so you can check it out brick and mortar before purchasing something online. Here's t...
by CppCoder
Mon Jul 22, 2019 6:53 pm
Forum: Investing - Theory, News & General
Topic: ETF "Tax Efficiency" Quantified
Replies: 57
Views: 3788

Re: ETF "Tax Efficiency" Quantified

I've always viewed this as one's not better than the other. Each simply has its tradeoffs. It's important to understand the pros/cons of each and then consciously choose. Personally, I prefer mutual funds, but it's just a preference. I didn't choose mutual funds because they're "better," just more c...
by CppCoder
Sat Jul 20, 2019 12:41 pm
Forum: Personal Investments
Topic: What tilt(s) have you adopted?
Replies: 28
Views: 1997

Re: What tilt(s) have you adopted?

Since I was quoted, I may as well reply. I ended up exchanging my REITs for a total market fund leaving me with a 70/30 portfolio distributed as a three fund portfolio. I really like the simplicity. My goal is not to win, it's to avoid losing. The three fund portfolio is the simplest asset allocatio...
by CppCoder
Fri Jul 19, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Scenario on Gains / Losses
Replies: 15
Views: 1205

Re: Mega Backdoor Scenario on Gains / Losses

Suppose I contribute $10k in 2019 to an after-tax 401(K), intending to do a mega backdoor. Normally, I'd do the rollover into the Roth IRA and pay any taxes on the gains. But what if the market dives (let's say the $10k becomes $5k)? My 401(K) provider said they won't carry forward any losses to of...
by CppCoder
Wed Jul 17, 2019 7:08 am
Forum: Personal Investments
Topic: How to calculate Capital Gain Taxes?
Replies: 6
Views: 811

Re: How to calculate Capital Gain Taxes?

2. I have become aware that Vanguard has 2 different methods for selling funds. There is the First in First Out (FIFO) Method and there is a second method called "MIN TAX". This is some type of calculation where Vanguard will attempt to sell the funds that are of the lowest tax liability to the cus...
by CppCoder
Tue Jul 16, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 72
Views: 6884

Re: Take the cash or the free dinner?

I think they "know" livesoft, want his advice, but figure he'd charge more than $200 for consulting. They are attempting to get his advice at less than his going rate via this "scheme" they cooked up. Don't fall for it! In the words of Admiral Ackbar, "It's a trap!"
by CppCoder
Sun Jul 14, 2019 3:48 pm
Forum: Personal Investments
Topic: Is Fidelity Total US Index (FSKAX) preferable to VGs (VTSAX) in a Taxable Account?
Replies: 4
Views: 1104

Re: Is Fidelity Total US Index (FSKAX) preferable to VGs (VTSAX) in a Taxable Account?

Tax efficiency of FSKAX depends on your tax bracket, and it doesn't kick off capital gains taxes every year (although it has been annually recently). I ran the calculation for tax year, I think, 2017, for FSTVX (the predecessor to FSKAX before Fidelity nixed their two tier fund structure), and the t...
by CppCoder
Sat Jul 13, 2019 7:53 am
Forum: Investing - Theory, News & General
Topic: What’s the value of a company whose capital expenditures are so high that it can’t achieve positive free cash flows?
Replies: 12
Views: 1609

Re: What’s the value of a company whose capital expenditures are so high that it can’t achieve positive free cash flows?

Remember, a company may also have intrinsic value based on assets. If you own a real estate business with one house to rent, you own the house outright, and have a month with no tenant, your monthly cash flow is negative (e.g., still paying property taxes with no rent). Is your business worthless or...
by CppCoder
Fri Jul 12, 2019 6:57 am
Forum: Personal Investments
Topic: Can I put money in Roth before I earn it?
Replies: 8
Views: 1394

Re: Can I put money in Roth before I earn it?

As others have said, yes, and make sure you've earned it by year end. Also, make sure you are not close to the income limit for direct contributions to Roth. You don't want to reach December and then discover you will exceed the income limit having already made the direct Roth IRA contribution. If y...
by CppCoder
Tue Jul 09, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4816

Re: How to obtain contracted rates for medical procedures?

I wonder if the internet can "break" this paradigm. Could one setup a website to crowd source medical payment information? Get an EOB, submit your CPT codes, provider, insurance, and negotiated rates. Do some data analytics, and presto, after months, all of this becomes public. Waze for health care...
by CppCoder
Tue Jul 09, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4816

Re: How to obtain contracted rates for medical procedures?

Maybe check the GoodRX price? In my case, since I am a "captive customer" of CVS pharmacies (since Aetna is my insurance, and they literally don't consider any other pharmacy to be "in network for me), GoodRX prices are cheaper than my "negotiated price" for prescriptions in every instance I've che...
by CppCoder
Tue Jul 09, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4816

Re: How to obtain contracted rates for medical procedures?

I wonder if the internet can "break" this paradigm. Could one setup a website to crowd source medical payment information? Get an EOB, submit your CPT codes, provider, insurance, and negotiated rates. Do some data analytics, and presto, after months, all of this becomes public. Waze for health care ...
by CppCoder
Mon Jul 08, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 77
Views: 10046

Re: (Tall) Buyer Beware: Honda Accord.

That's the saving grace. I pressed hard on the deal and my loss isn't nearly as bad as I expected. I'm going back to a Crossover. Probably a Tucson or used CR-V. We've owned a civic, accord, CR-V, and Odyssey. If the accord is too small, I wouldn't recommend the CR-V. The pilot would probably work ...
by CppCoder
Mon Jul 08, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 77
Views: 10046

Re: (Tall) Buyer Beware: Honda Accord.

I had a similar problem with the new Accord. Ceiling too low even on lowest seat setting. Anything but LX or Sport 1.5 takes a big chunk out of headroom with the non-optional sunroof. Indeed, the sunroof is not a plus for me. You're looking at this all wrong. You need to raise the seat to the highe...
by CppCoder
Sat Jul 06, 2019 6:35 pm
Forum: Personal Investments
Topic: How to avoid industries I do not want to invest in?
Replies: 55
Views: 4632

Re: How to avoid industries I do not want to invest in?

Does it make a difference if you know that those companies won't receive a dime from you? You buy and sell stocks on an open market. It's different from investing your cash directly to a company or buy stock in an IPO event. If anyone could benefit from you buying an investing fund, it's the other ...
by CppCoder
Wed Jul 03, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Pricing Question [for car value - Manheim or KBB?]
Replies: 8
Views: 620

Re: Pricing Question

CarMax (or similar) and be done with it...
by CppCoder
Wed Jul 03, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paid of Mortgage on home/need help with insurance
Replies: 17
Views: 1779

Re: Paid of Mortgage on home/need help with insurance

Flood insurance necessity is really a matter of location. People not recommending flood insurance because you live in Zone X clearly don't live in a flood prone area, like, say, Houston. Ask anyone who lived in Zone X whose house flooded during Hurricane Harvey if you should carry flood insurance. Y...
by CppCoder
Wed Jul 03, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: security info breach @ Georgia Tech...but I have no relationship w/GT
Replies: 8
Views: 1117

Re: security info breach @ Georgia Tech...but I have no relationship w/GT

GT had a data breach, could have leaked info on many years' worth of student data. They probably hired someone to try to contact former students. They probably don't have current addresses for the overwhelming majority of former students. Your name probably matched against the name of a former stud...
by CppCoder
Sun Jun 23, 2019 7:25 pm
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 2451

Re: Who should I open my taxable account with?

I'll just leave this here: I split my equity position at Fidelity on Aug 6 last year, shortly after the start of the zero fund FZROX equally. Today, the balances are (as of Friday's close).... FSKAX: $320,775.02 FZROX: $320,919.62 That said, I also hold VTI and SPTM at TDAmeritrade, SCHB at Schwab ...