Search found 60 matches

by bh7785
Wed Jun 13, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1580

Re: Long-term gains and Tax Bracket

C) Other??? Is the order in which income is calculated irrelevant in the final calculation? Order very much DOES matter! I know this is not a realistic example and it leaves a lot of factors out of the equation. However, I hope it illustrates the crux of my issue. Is there any good reading on this ...
by bh7785
Wed Jun 13, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1580

Re: Long-term gains and Tax Bracket

Thank you all, this is exactly what I was looking for. I suspected the order of how the incomes were used was significant, but I couldn't find it in my searching.
by bh7785
Tue Jun 12, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1580

Long-term gains and Tax Bracket

Hi All, I've searched around but haven't been able to find an answer to my question. Perhaps I'm missing some core concept. I don't understand how specially-taxed income (eg Long term gains, Roth withdrawals) and normal income (eg a paycheck from work) are calculated within the tax bracket. Is the "...
by bh7785
Mon Jun 11, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13471

Re: Best Advice You Never Took

Teague wrote:
Sun Jun 03, 2018 1:22 pm
Never get old.

-Advice given by my grandfather.
My Dad has given me this advice a few times over the course of my life. I really wish I had listened to him.
by bh7785
Mon Jun 11, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13471

Re: Best Advice You Never Took

Exafchick wrote:
Fri Jun 01, 2018 2:28 pm
Not to marry my first husband...or second!
This made me chuckle. Are you now on your third? :D
by bh7785
Mon Jun 11, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: High expense ratios in Vanguard 401k
Replies: 16
Views: 1422

Re: High expense ratios in Vanguard 401k

It could always be worse. The lowest ER fund available in my company's 401k is 0.8%. And that's a large-cap index fund. The average fund cost is well over 1%
by bh7785
Thu Jun 07, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 8874

Re: Indexing will fail investors in next decade

triceratop wrote:
Thu Jun 07, 2018 11:36 am
Niels Jensen, author of The End of Indexing: Six structural mega-trends that threaten passive investing (Harriman House), is chief investment officer of London-based Absolute Return Partners LLP.
okay.
Haha! :sharebeer
by bh7785
Thu May 31, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: obtainable credit card for teen?
Replies: 8
Views: 510

Re: obtainable credit card for teen?

Plenty of options out there. Have a look at this

https://www.creditcards.com/no-credit/
by bh7785
Tue May 29, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for taxable account.
Replies: 4
Views: 397

Re: Recommendations for taxable account.

That said, I don't see a problem with you going 100% VTSMX in taxable, given the information you've provided
by bh7785
Tue May 29, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for taxable account.
Replies: 4
Views: 397

Re: Recommendations for taxable account.

I believe the general thinking is to put the most tax-efficient funds into a taxable account. Bonds are not considered to be tax-efficient.

You may want to reference this article for more information:

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by bh7785
Thu May 24, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 13920

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

You can split the difference if you wish and pay half the mortgage off and put the rest in your AA. This is what I did. I couldn't really decide between the two, so I just split it down the middle. It's been a year and I feel pretty good about that decision, no regrets. I was initially leaning towa...
by bh7785
Wed May 16, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7816

Re: Is there a boglehead muscle car?

Don't buy a v6 mustang, camaro, or charger/challenger. Aside from being boring to drive, it will be completely worthless in a few years where as the v8 version should retain value pretty well. Besides, everyone laughs at the guy driving a v6 camaro/mustang. Hahaha, so true! You guys are wrong. I th...
by bh7785
Wed May 16, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7816

Re: Is there a boglehead muscle car?

FlyAF wrote:
Mon May 14, 2018 8:46 am
Don't buy a v6 mustang, camaro, or charger/challenger. Aside from being boring to drive, it will be completely worthless in a few years where as the v8 version should retain value pretty well.

Besides, everyone laughs at the guy driving a v6 camaro/mustang.
Hahaha, so true!
by bh7785
Wed May 16, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth quitting my private-sector job and taking a government job so I can invest in the 457 account, too?
Replies: 15
Views: 1673

Re: Is it worth quitting my private-sector job and taking a government job so I can invest in the 457 account, too?

I endured 32 years in those golden handcuffs, reasons I did not leave were the pension, work hours, and time off. From what I know, the private sector would likely not have allowed me to work just the standard 40 hours per week, have those hours be 6:30 am - 3pm (so I was home before kids from scho...
by bh7785
Wed May 16, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4851

Re: New motorcycle rider

I stopped riding after the takeover of cell phones. Seems like most people are more interested in texting than watching the road. I had several close calls and decided to call it quits. It's just not worth the risk you take, sadly.
by bh7785
Thu May 10, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Keeping ones wits when things are chaotic
Replies: 12
Views: 1436

Re: Keeping ones wits when things are chaotic

Exercise and/or meditation work well for relieving stress.
by bh7785
Wed May 09, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2227

Re: Custom suit needed for a wedding. Help me shop around!!

Frankly I'm shocked to hear that Men's Warehouse should be avoided. I mean, George Zimmer himself guaranteed that you'd like the way you look.

I'm just getting in this thread because I don't own any suits and should probably get one. Interested in what could be had for not a lot of dollars.
by bh7785
Wed May 09, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Professor Andrew Lo interviews John Bogle
Replies: 10
Views: 1879

Re: Professor Andrew Lo interviews John Bogle

4nursebee wrote:
Wed May 09, 2018 8:47 am
So what are the books on Jacks desk?
The Winds of Winter.
by bh7785
Tue May 08, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with automating investment
Replies: 7
Views: 370

Re: Need help with automating investment

You could just get a target date fund and be done with it.
by bh7785
Tue May 08, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 13
Views: 1808

Re: How are we doing?

Damn, that is downright scandalous :annoyed
by bh7785
Tue May 08, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: DRIP (Dividend Reinvestment Plan)
Replies: 21
Views: 1835

Re: DRIP (Dividend Reinvestment Plan)

I am thinking about buying stocks, and I was wondering if a DRIP plan is good. I've never bought stocks before. It may depend on what you mean by a DRIP plan. As others have pointed out, DRIPs became somewhat popular when brokerage accounts, commissions, etc. were much different that they are today...
by bh7785
Tue May 08, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 13
Views: 1808

Re: How are we doing?

Why are the expense ratios in your 401k so high? For example, you list VAIPX as having an ER of 1.81%, but when I look this fund up it says the ER is only 0.10%. What am I missing here?
by bh7785
Thu May 03, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Fifth Third Bank $200 bonus for a new $50 checking deposit?
Replies: 8
Views: 1058

Re: Fifth and Third Bank $200 bonus for a new $50 checking deposit?

Sounds like a pretty good deal, and you've already called to confirm that its legit. You may also just want to ask that both of you opening separate accounts would also work, even though you're married.

Yes, you will have to pay (income) tax on the bonus.
by bh7785
Tue May 01, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 2603

Re: Cellphone use in Europe now inexpensive

dsmclone wrote:
Mon Apr 30, 2018 12:57 pm
I could care less about making calls. How is the data coverage? Who did you use?
So you do care about making calls?

Image
by bh7785
Mon Apr 23, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with Mr Cooper
Replies: 16
Views: 3340

Re: Paying off mortgage with Mr Cooper

I don't really understand that thinking. If you've paid off your house, I assume you probably have no other debts either. This means you can just take the standard deduction and be happy, no?
by bh7785
Fri Apr 20, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 2912

Re: So many problems I can't even figure out how to prioritize them

Sounds to me like the NES and SNES should be priority items.
by bh7785
Fri Apr 20, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Do Apple products need Norton anti Virus?
Replies: 12
Views: 1075

Re: Do Apple products need Norton anti Virus?

spoonfork wrote:
Fri Apr 20, 2018 1:37 pm
Even Windows doesn't need it. The built-in Windows firewall, automatic security updates, and Windows Defender will do as good a job or better than Norton.
.
by bh7785
Fri Apr 20, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 3231

Re: Interesting vs higher paying job

I'm the opposite of jebmke, whenever I have a career crossroads decision, I always take the money. I love your username and avatar! 8-) Unlike these two, I try to find a middle ground between the money and general enjoyment of the position. Money is important, but I also don't want to be miserable ...
by bh7785
Tue Apr 03, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: No will. What happens to my accounts if I die?
Replies: 34
Views: 2848

Re: No will. What happens to my accounts if I die?

I'm in a similar position as you, and here is what I do. Once a year I compile a brief list of all my accounts, and approximately how much money is in them. I give this to my parents. That way, they at least know where everything is, and about how much to expect if something were to ever happen to m...
by bh7785
Mon Mar 12, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Building a website-Looking for advice
Replies: 6
Views: 375

Re: Building a website-Looking for advice

Most small business owners getting started will just create a facebook page instead of a stand alone website.
by bh7785
Mon Mar 12, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Building a website-Looking for advice
Replies: 6
Views: 375

Re: Building a website-Looking for advice

I didn't know that free web hosting providers were really a thing (since the days of Geocities), but this one actually looks fairly promising. https://www.000webhost.com/ For the record, I've never used their services. I use GoDaddy for simple sites. Domain name registration and hosting fees are gen...
by bh7785
Mon Mar 05, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Are you ready for Amazon checking?
Replies: 42
Views: 6151

Re: Are you ready for Amazon checking?

jebmke wrote:
Mon Mar 05, 2018 10:08 am
My bank works fine. Until there is a national standard to eliminate checks there isn't any reason to switch from what I have today.
How about an interest-bearing checking account? One that pays more than 0.0001%
by bh7785
Tue Feb 27, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2349

Re: Deer Garden Damage Prevention

We had pretty good luck with just putting some dog fur around the areas we wanted to keep deer away from. I have a shepherd, so it's not hard to get a fair amount of fur from a quick brushing. If you don't have a dog, I'm sure you know someone who does. Free to try, might get the job done for you!
by bh7785
Wed Feb 14, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Buying Iphone X with AT&T
Replies: 16
Views: 1007

Re: Buying Iphone X with AT&T

I have a 6S and just bought the $29 battery. Good as new! Should keep me happy for years to come.
by bh7785
Tue Feb 13, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10193

Re: Job is starting to suck the life out of me.

OP, time to start shopping around for a new job. I was in a similar boat as you. It took awhile to find a good replacement job, but I'm much happier in life since I did. On a related note, if they could care less, that implies that they do care. I believe you mean that they couldn't care less. https...
by bh7785
Thu Feb 08, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5779

Re: What time do you go to work?

8:30am - 5pm, software "engineer". 9 mile commute. Could be worse.
by bh7785
Thu Feb 01, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: New to the Group - Advice on current portfolio and plan
Replies: 4
Views: 362

Re: New to the Group - Advice on current portfolio and plan

Do either/both of you have company 401k matching? If so, you should at least be contributing to maximize that benefit. Past that, I would start pre-paying that mortgage. And finally, you could also start contributing to a Roth. I would probably do the things in that order without more information (c...
by bh7785
Thu Feb 01, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Tax Software - Turbotax Deluxe $39.86 Amazon
Replies: 15
Views: 1367

Re: Tax Software - Turbotax Deluxe $39.86 Amazon

I will probably use TurboTax, because I've been using it for years, and I'm lazy.
by bh7785
Thu Feb 01, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: About to leave LPL
Replies: 18
Views: 1335

Re: About to leave LPL

My advice is that you simplify even further than those 5 funds you have selected. Just KISS with your desired AA in these three funds (stocks, bonds, and international). I'm listing admiral shares for their lower ERs, but if you can't meet the minimums you could still go with investor grade for onl...
by bh7785
Wed Jan 31, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: About to leave LPL
Replies: 18
Views: 1335

Re: About to leave LPL

Certainly moving away from those 2% ERs will be a HUGE upgrade. My advice is that you simplify even further than those 5 funds you have selected. Just KISS with your desired AA in these three funds (stocks, bonds, and international). I'm listing admiral shares for their lower ERs, but if you can't m...
by bh7785
Wed Jan 31, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best place to park cash
Replies: 32
Views: 3221

Re: Best place to park cash

1.5% apy at Redneck bank:
https://redneck.bank/

1.4% apy at Discover
https://www.discover.com

I have my emergency fund at Discover. Was simple enough to setup, and pays a lot better than Bank of America's laughable 0.03%.
by bh7785
Wed Jan 31, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 6364

Re: New car - how much can we afford?

30 years old saving $60k a year and $550k in assets and you want to buy a nice second hand car. You could buy a new $50k Lexus/Audi and be just fine. This board is too much sometimes lol. Seriously! To the OP, instead of worrying about how much you can spend (plenty it seems), instead focus on how ...
by bh7785
Tue Jan 30, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Should I Do My Own Taxes Or Pay A CPA $500?
Replies: 65
Views: 6515

Re: Should I Do My Own Taxes Or Pay A CPA $500?

Following the suggestion of many here, I went to look at the downloaded version of TurboTax. I have been using the web version for several years now with success. This downloaded version looks to have some very poor reviews on Amazon, with many claiming that it doesn't install or work properly on Wi...
by bh7785
Tue Jan 30, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Buy a new car or not?
Replies: 34
Views: 2910

Re: Buy a new car or not?

Trade it at a dealer for a brand new, leftover 17 GTi. Not a lot of them left but they're out there and I still see them for under $20k. Yah....Golf R, GT-R, STi, WRX.....if you buy one used that hasn't been modified, you're quite lucky. I know in the Subaru community, owners are expert at "returni...
by bh7785
Tue Jan 30, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Buy a new car or not?
Replies: 34
Views: 2910

Re: Buy a new car or not?

Trade it at a dealer for a brand new, leftover 17 GTi. Not a lot of them left but they're out there and I still see them for under $20k. Yah....Golf R, GT-R, STi, WRX.....if you buy one used that hasn't been modified, you're quite lucky. I know in the Subaru community, owners are expert at "returni...
by bh7785
Wed Jan 24, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3394

Re: Buying This Week: IPhone X or IPhone 8 Plus

Why are you replacing the iPhone 6 Plus? I would bring it to the Apple Store and get the $29 battery replacement to extend its life and improve its performance. The next iPhone X will be out in September and it’s going to be much better. This is what I did. I have an iPhone 6s as well. I will share...
by bh7785
Fri Jan 19, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4761

Re: What can I do to fight this ridiculous medical bill?

I feel your pain. I had to go to an ER once, when I was naive and didn't understand how broken our system is. Ended up costing me $1500 out of pocket to see a doctor for 2 minutes to get an antibiotic. And I thought I had good insurance. Couple years later I had a bad mountain bike accident, fractur...
by bh7785
Tue Dec 12, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1955

Re: Progressive Insurance

I find Flo to be so irritating that I almost can't consider using them on principal :s

Worst advertising EVER

That said, when I was shopping around 4 months ago, I found Liberty Mutual to be the best match for me. I got a better rate than Progressive.
by bh7785
Tue Dec 12, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5453

Re: Best solution for digitizing documents?

Bogleheads are a smart bunch, and it makes me feel good to know many of them seem to be maintaining digital file cabinets similar to my own. I can't be doing things too wrong... :happy One thing I'd add is my digital file cabinet of sensitive, financial PDF files, whether scanned or downloaded, is ...