Search found 235 matches

by sc9182
Sun Apr 14, 2019 8:05 pm
Forum: Personal Investments
Topic: pros and cons for rollover to tIRA or other 401k from previous employer
Replies: 71
Views: 2810

Re: pros and cons for rollover to tIRA or other 401k from previous employer

If you have funds rolled over to your new employer- you can borrow/loan against the 401k (not always). Kinda helps towards your emergency funds to tide over a few un expected expenses (don’t encourage this as a strategy, but at times life/family needs may be more important than retirement planning a...
by sc9182
Sun Apr 14, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8038

Re: Are Airport Lounges Worth the Money?

Some folks dog leg their business itinerary so as to get more miles and gain/maintain status. This in turn makes your extra-long route easier to bear (and free alcohol may smooth it over). In turn they could get/maintain next year status-level - which allows them lounge access. The longer is definit...
by sc9182
Sun Apr 14, 2019 5:57 pm
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6943

Re: If you have plenty of money, why not 100% stocks in retirement?

Despite having multiple income streams in retirement I am no longer 100% in stock. When I had human capital left I could always increase my savings by being a little more frugal or working more hours every week or spending a few more years in the work force. It would be unpleasant to see my portfol...
by sc9182
Sun Apr 14, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18301

Re: Talk me in/out of $35k Tesla Model 3

If you are wondering majority of what’s called big 3 for dozens of decades either went bankrupt, or went foreign, and they have been in this business for how many years - and still couldn’t sustain. You seem to know much about car business - let alone how fickle the car business has been over last d...
by sc9182
Sun Apr 14, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18301

Re: Talk me in/out of $35k Tesla Model 3

There are always issues with any companies long term viability, and/or their stock performance. That aside, For every typical car sold, possibly there are nearly 40 other cars/vehicles sold. Indirectly coming to wrong statistical conclusion that - there are 40 detractors against 1. This type of “det...
by sc9182
Sat Apr 06, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Any reason for younger wife not to file at FRA? When her benefit is much smaller.
Replies: 16
Views: 1032

Re: Any reason for younger wife not to file at FRA? When her benefit is much smaller.

Like the catchy title - younger wife! If you can wait/delay, you get that 8% bump up every year. But nobody knows their life expectancy. It’s a coin toss I think, but we are way far from getting there, so lots of time for us to figure - and we strictly believe more changes/regulation updates be in p...
by sc9182
Thu Mar 21, 2019 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 139
Views: 11760

Re: Are RMDs that bad if you're not an over-saver?

May not applicable to this OP. Lot of RMD noise comes due to unpredictability of future (tax rates, account/market performance, worse yet - rigid schedule, possible non-compliance penalties etc). The folks who shouts the loudest about/against RMDs are the ones with multiple streams of income post th...
by sc9182
Mon Mar 04, 2019 11:48 pm
Forum: Personal Investments
Topic: How to allocate $2.3M roll over IRA?
Replies: 12
Views: 1552

Re: How to allocate $2.3M roll over IRA?

Fidelity Deposit amount ~~ Cash bonus $1,000,000 to $2,499,999 ~~ $2,500 $2,500,000 to $4,999,999 ~~ $3,500 $5,000,000 or more ~~ $5,000 https://rewards.fidelity.com/offers/cashdepositbonus Talking to your local team/account team may help you with getting $3500 level with slightly under $2.5MM accou...
by sc9182
Sat Mar 02, 2019 11:10 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

This time last year I reached out to both TDA and Fidelity where I held most of my assets. Both said no to retention bonus. So I moved away and collected bonuses elsewhere, and just couple weeks ago moved back to TDA and collected nice bonuses again. TDA rewarded me very nicely for leaving them. Ma...
by sc9182
Wed Feb 27, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Some of the brokerages (esp. Fidelity) may match a published offer, or corresponding retention bonus.
But if you are looking for 'great' offer - currently, eTrade (try being referred to local team, from national call center) route seems to be better bet.
by sc9182
Tue Feb 26, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Hi folks....I'm prepared to transfer $700K to Schwab, and I understand they will match any available bonuses offered by others. I just need to point them to the web page with the offer. Anyone know the current best brokerage transfer bonus for $700K? Try calling ETrade your local team (not just nat...
by sc9182
Fri Feb 22, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 600
Views: 47054

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Regarding: those of B’heads in/approaching retirement, who are now single filing status due to Predeceased spouse: Did you not get life insurance proceeds due to PreDeceased spouse? Aren’t those amounts tax free to you, effectively making it a Lumpsum Roth withdrawal! Say you got $250k insurance pay...
by sc9182
Wed Feb 13, 2019 6:31 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone tried Ally? I think I am going for the $1200 bonus for $500k+ from TDA. I haven't seen anything really negative, but wanted to ask before taking the plunge since I will be stuck there 300 days. Chances are good I will not make any trades so not sure how much could go wrong. It is the bes...
by sc9182
Sun Feb 10, 2019 3:57 pm
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 5588

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

Other Roth advantages: There is no RMD at 70 1/2 Accounts can be transferred to heirs and tax-free RMD's are tied to their expected lifetimes, not yours. Those are wonderful advantages - Roth is great to have . But that doesn't mean paying 37% federal tax or anything close to it is the best way of ...
by sc9182
Sun Feb 10, 2019 3:37 pm
Forum: Personal Investments
Topic: How to get income low enough for 199a deduction?
Replies: 2
Views: 302

Re: How to get income low enough for 199a deduction?

Not much tax exp here. But wanted to find someone on this forum may sound off on the following idear: You may be $125k - $200k over the 315k MFJ income limit of 199A for QBI. A) Defined Benefits contributions/plan to further reduce gross. Lots of gotchas and higher costs to consider though!? B) Do y...
by sc9182
Fri Feb 08, 2019 3:31 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thinking this is not a repeat, given that last offer link seems to have expired.

Fidelity Deposit amount ~~ Cash bonus

$1,000,000 to $2,499,999 ~~ $2,500
$2,500,000 to $4,999,999 ~~ $3,500
$5,000,000 or more ~~ $5,000

https://rewards.fidelity.com/offers/cashdepositbonus
by sc9182
Thu Jan 24, 2019 1:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Today in email I received a targeted offer from Etrade: Offer valid for existing E*TRADE Securities retirement accounts and excludes E*TRADE Securities brokerage, E*TRADE Futures, E*TRADE Bank, and E*TRADE Savings Bank accounts. Other restrictions may apply. 1. Cash credits for eligible deposits or...
by sc9182
Sat Jan 19, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 27
Views: 2744

Re: So when do you sell?

TLH Opportunities during down markets Donate appreciated stox to charities or needy (small gift) Donate some appreciated assets to charities/alma-mater AND also get corporate Matching gift $$ to go along with it (many big Corps and their foundations have matching gift programs) If appreciated assets...
by sc9182
Thu Jan 17, 2019 6:13 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50273

Re: John Bogle has died at age 89

Mr. Bogle lived a full life - and made significant :moneybag contributions for the little guys ! RIP, will miss you and great wisdom!
by sc9182
Thu Jan 17, 2019 6:10 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Last year already received Fidelity retention bonus (in-addition to the transfer-in bonus the year before). Requested Fidelity retention bonus this year (after 12 months passed). Was told NO. Indicated other brokerages are vying for monies, still NO retention bonus/offer. Hence, moved some rollover ...
by sc9182
Fri Jan 11, 2019 10:43 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Called ETrade this afternoon to find/improvise on their published offer. One of accounts could transfer about 800k. Asked their best offer, and been referred to a intown ETrade consultant. Got promised offered of $2500 upon $800k transfer-in. 6 months retention required. Hope this helps folks achiev...
by sc9182
Mon Dec 03, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Since I'm early retired, and currently laying around waiting for a fractured femur to heal, these xfer bonuses have caught my attention. I recently did the Ally bonus and parked $100k there in a no-penalty 2.1% CD. Nice $1000 bonus for losing ~ 75 days of liquidity. Now I'm considering harvesting s...
by sc9182
Sun Dec 02, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Since I'm early retired, and currently laying around waiting for a fractured femur to heal, these xfer bonuses have caught my attention. I recently did the Ally bonus and parked $100k there in a no-penalty 2.1% CD. Nice $1000 bonus for losing ~ 75 days of liquidity. Now I'm considering harvesting s...
by sc9182
Mon Nov 19, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 28
Views: 3714

Re: Interview with Fidelity's Abigail Johnson

Fidelity is a for-profit company, with Abby and her father as the dominant shareholders. The combined networth of the Johnson family is nearly $30 billion. Of course she wants people to use actively managed funds and pay for advice. She's in this to make money. Vanguard on the other hand is non-pro...
by sc9182
Thu Oct 25, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth compared to Medicare earnings
Replies: 16
Views: 1624

Re: Net worth compared to Medicare earnings

Many of PreTax cafeteria Section 125 deductions are Pre-Tax, exempt from SS taxes, including employer-provided education assistance upto certain $ amount. Some are exempt from Medicare wages as well.
https://finance.zacks.com/pretax-deduct ... -3522.html
by sc9182
Tue Oct 09, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 28626

Re: Talk me out of buying a Tesla Model 3

I am a "car guy" (go back to a 1962 Porsche 356), retired with all the assets I need, and also trying to decide about the 3, I will forego the financial aspects and share my thinking. 1) My own inclination is for the Long Range, RWD model. Tesla now tells me that I can get it in "less than 4 weeks"...
by sc9182
Tue Oct 09, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 28626

Re: Talk me out of buying a Tesla Model 3

Retirement/FIRE goals are very important, but don't aspire to have fun only when you turn old/fragile. With stable job/career, given where you are financially, and the discipline you exercise., Tesla may be within your range. If you are over 6' 2" or heavyset frame., Tesla Model3 might feel a tad sn...
by sc9182
Thu Sep 27, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 56
Views: 6184

Re: Should I bother meeting with a Chase Private Client Rep

If you are hooked up with good private banker + mortgage manager, ideally, in person., they can bat for un-published rates. We've had luck for Private Banking mortgage rep to help Chase beat best elsewhere rate avail to us, and also minimize closing costs. They could do this on jumbo I/O product (25...
by sc9182
Thu Sep 27, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10991

Re: SEC charges Musk with Fraud!!!

Imagine if Mary Barra tweeted "Taking GM off the market, funding secured." The world would shut down overnight. Perhaps this is the nail in the coffin for Tesla? GM did go bankrupt (and bailout too?, fogot) last decade, even without Mary Barra's tweets, it prolly had deeper problems such as wrong/b...
by sc9182
Tue Sep 25, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Don't Fear the Reaper (RMDs) - White Coat Investor blog post
Replies: 65
Views: 7847

Re: Don't Fear the Reaper (RMDs) - White Coat Investor blog post

That example would apply only to a small share of high networth people. The top tax rate starts at a much lower figure for single people. As couples age, few die simultaneously. So the survivor will pay at the single rate, perhaps for decades. The percent of total assets required to be withdrawn go...
by sc9182
Sat Sep 22, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Zero-ER Fidelity Funds [Closed to new investors?]
Replies: 38
Views: 3408

Re: Zero-ER Fidelity Funds

I apologize if you do not see value in my challenging the assumption that a financial firm would try and take advantage of its clients. Most of zero cost or low cost popular passive index products been doing just fine. Don't see merit to your point. My point is that just because Fidelity calls it a...
by sc9182
Sat Sep 22, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Zero-ER Fidelity Funds [Closed to new investors?]
Replies: 38
Views: 3408

Re: Fidelity zero ER funds closed?

Buy order just went fine. Did buy from Fidelity brokerage account. No problems.
by sc9182
Sat Sep 22, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Zero-ER Fidelity Funds [Closed to new investors?]
Replies: 38
Views: 3408

Re: Zero-ER Fidelity Funds

I could buy/execute-order just fine, no problems. I did order thru Fidelity brokerage, as this was a requirement. I keep trying to buy FZILX and the Fido site says both it and FZROX are closed to new investors. Does anyone know anything about this? -- regarding other noise in this thread -- Moshe: n...
by sc9182
Thu Sep 20, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 9741

Re: Physical Banking - Any benefits anymore?

We bring fresh/newer $1 coins most look like gold color -- attach/affix'em (with a small piece of self-adhesive tape) over top of Gift Envelop we present to kids, or hosts when we go for parties and such. ** This shiny gold-looking dollar decoration looks compelling and very noticeable. Especially i...
by sc9182
Wed Sep 19, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 3077

Re: Moving to Dallas, how to establish residency

In addition to earlier commenters suggestions: Change employer/paycheck address. Utility, check-book, change DL to new state, credit card addresses, @ SS office request address change, remove primary/homestead or sell/rent-away home from old state. Car registrations and insurance change to new state...
by sc9182
Wed Sep 19, 2018 7:32 am
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3790

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

There have been threads about how large some Vanguard funds have grown, and what if there is room for cutting it down further. Vanguard may be able to marginally lower some of their ER's by finding new efficiencies. But they are at a disadvantage compared to Fidelity because all of Vanguard's funds...
by sc9182
Tue Sep 18, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really retire? Please check my math and poke holes.
Replies: 48
Views: 5986

Re: Can I really retire? Please check my math and poke holes.

.. We'll still have DW's pension of about $328k/month My projected SS at 70 is about $3300/month Hang tight to your wife, you got the best one on BH with $328k/month pension ! Many be happy to dig a mere 5k-10k/month spousal pension and be dandy! A $328k/month is serious coin! Shoot me, leave off t...
by sc9182
Tue Sep 18, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really retire? Please check my math and poke holes.
Replies: 48
Views: 5986

Re: Can I really retire? Please check my math and poke holes.

dknightd wrote:
Tue Sep 18, 2018 7:23 pm
..
We'll still have DW's pension of about $328k/month
My projected SS at 70 is about $3300/month
Hang tight to your wife, you got the best one on BH with $328k/month pension! Many be happy to dig a mere 5k-10k/month spousal pension and be dandy! A $328k/month is serious coin!
by sc9182
Tue Sep 18, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3790

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

As I've mentioned at least twice before, Vanguard, I believe, will lower ERs eventually. They don't have to match Fido's zero ERs. All then need to do is lower them a bit (I don't know what "a bit" would be, but a 25%-66% reduction for many of their ETFs/Mutual Funds would be a good start!) There's...
by sc9182
Sat Sep 15, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 62
Views: 5454

Re: Any reasons to not put money down for a Tesla Model 3?

Sounds like that dude got all bad problems in one car. Did he/she not check any of those prior to delivery/handing-over-the-check time? If he/she slept during delivery time, sorry about that. Taken deliveries of many a Lexuses, MBs, Porsches, and including Model3. Its all good! Seems to be that the ...
by sc9182
Thu Sep 13, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 4235

Re: Buying a house 1 mile away from a municipal landfill

If you work at/near the dump, your home location may be golden. The short commute, minimal odor compared to work.

Depends. The pretty golf course or that undulating city park may once been a dump, check that out!
by sc9182
Wed Sep 12, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3790

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

$1 billion is all that they've gotten? Vanguard's Total Stock Index and Total International index funds have combined assets of $1.1 trillion . It doesn't seem that investors are leaving Vanguard in droves yet at least. In the past few years, every brokerage except Vanguard, had mosly outflows. Fid...
by sc9182
Fri Sep 07, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1682
Views: 263581

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Isn't it 1 year before you can request again? If your original commitment is only for 6 months (not talking when bonus paid out, but how long you are supposed to keep those funds in account), you may get better chance of of transfer than retention bonus. Do check it out and let us know! Many usual/l...
by sc9182
Wed Sep 05, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Bank of America - Credit Card balance - online Payment now requires Bank of America Account ?
Replies: 2
Views: 404

Re: Bank of America - Credit Card balance - online Payment now requires Bank of America Account ?

I just went into my 3 BoA credit cards. Each one has a payment option from DCU (my credit union). I don't have a BoA bank account and never will. Jack - thanks for checking, logged-out, opened a new Private/InCognito window, new session altogether, now it appears to have fixed what I've observed ea...
by sc9182
Wed Sep 05, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Bank of America - Credit Card balance - online Payment now requires Bank of America Account ?
Replies: 2
Views: 404

Bank of America - Credit Card balance - online Payment now requires Bank of America Account ?

Something changed recently ? Until recently, we were able to pay from outside bank account to Bank Of America (BoA) credit Card directly. Never needed BoA account (checking/savings/MM etc) to pay credit-card online, and we could pay from our outside bank. Today something changed (may be at the begin...
by sc9182
Thu Aug 30, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Term Life Insurance?
Replies: 17
Views: 1579

Re: Do I need Term Life Insurance?

Social security Survivor benefits, if (mostly) eligible, for spouse and minor kids going to be fairly large amount(s).
by sc9182
Thu Aug 30, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Interesting Chart shows all the "crash calls" made by gurus since 2012
Replies: 9
Views: 1257

Re: Interesting Chart shows all the "crash calls" made by gurus since 2012

RadAudit wrote:
Thu Aug 30, 2018 1:39 pm
niceguy7376 wrote:
Thu Aug 30, 2018 1:23 pm
Need to research what makes a "guru"
In the days of old, an expert was a guy with a briefcase 50 miles from home.

Today, it's a web-site.
Or heads of one those 10000 or so hedge funds (whats the latest count?).
by sc9182
Thu Aug 30, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: Can margin be beneficial for long-term investing?
Replies: 61
Views: 4192

Re: Can margin be beneficial for long-term investing?

hithere wrote:
Thu Aug 30, 2018 1:09 pm
acegolfer wrote:
Thu Aug 30, 2018 12:43 pm
I didn't see this information in OP
I'm not from the US, and I've got all my money in a single brokerage account, so your initial calculation is quite relevant.
So, you are getting TBills rate (or there about) on Margin !?
by sc9182
Thu Aug 30, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843131

Re: U.S. stocks in freefall

Even non-working clock will show correct time, twice in a day. Now, this thread is waiting for its turn, for the past how many years !? We had a technical "correction" (loss of >10%) just earlier this year , 27-Jan to 08-Feb , how big of a drop do you want for this thread to be right? Would it be f...