Search found 312 matches

by B4Xt3r
Tue Jan 08, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: First-time homebuying
Replies: 17
Views: 1179

Re: First-time homebuying

I guess what I'm a little nervous about is that we can only really put down 10%, and then have to count our 401(k) as our "emergency fund" for the 1-2 years while we recover. Is that an acceptable risk for the reward of not renting given that for those 1-2 years, we should have two income sources?
by B4Xt3r
Tue Jan 08, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: First-time homebuying
Replies: 17
Views: 1179

Re: First-time homebuying

You have to spend money to live whether its renting or owning. It’s not sunk money. The NY Times calculator doesn’t take into account the fact that you don’t generally rent what you would buy. If it is just the two of you you’re likely living in a 1 or 2 bedroom apartment. You’ll likely buy a house...
by B4Xt3r
Tue Jan 08, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: First-time homebuying
Replies: 17
Views: 1179

Re: First-time homebuying

duplicate
by B4Xt3r
Tue Jan 08, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: First-time homebuying
Replies: 17
Views: 1179

Re: First-time homebuying

The problem with your emergency fund being your 401k is that it would require you to be able to continue to work and in an emergency that would not be the case. This isn't true for Roth 401(k) contributions, right? The roth 401(k) could be rolled over to a Roth IRA, and then the contributions to th...
by B4Xt3r
Tue Jan 08, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: First-time homebuying
Replies: 17
Views: 1179

Re: First-time homebuying

It seems to me that if the house is 3x either of your incomes that means the house is 1.5x your total income. To me it makes no sense why you wouldn’t be able to come up with 20% to avoid PMI. You should be able to save that in a few months. You should have more money than you need when you buy a h...
by B4Xt3r
Tue Jan 08, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: First-time homebuying
Replies: 17
Views: 1179

First-time homebuying

Hi All, The newyork times rent vs buy calculator strongly suggests buying in my locality -- break even point is 2-3 years with current rent, so my wife and I are considering buying a home with value roughly 3x income. Is this budget "roughly" accurate (I'm unsure, this is my first time)? 2.5ish% for...
by B4Xt3r
Tue Jan 01, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: Wall Street Expert 2019 predictions are above the base rate
Replies: 13
Views: 1295

Re: Wall Street Expert 2019 predictions are above the base rate

lakja wrote:
Tue Jan 01, 2019 8:46 am
Is there a similar post with 2018 results?
+1
by B4Xt3r
Sun Dec 30, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: 60 Rollover from ROTH IRA back into same ROTH IRA
Replies: 6
Views: 271

Re: 60 Rollover from ROTH IRA back into same ROTH IRA

This response post from Alan S regarding returning funds with 60 days to the same Roth IRA from earlier this month may help. Alan S is the established expert on these matters and would have noted that were it an issue to go back into the same Roth had that been the case. A quick web search also fou...
by B4Xt3r
Sun Dec 30, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7290

Re: Nice jeans for work with lowest average cost of ownership

Well, I'm an engineer who wears jeans with button down shirts (not tucked in) pretty much every day. I'd say you are over thinking this one. Find a brand that is comfortable and that you like and run with it. I personally wear Levi's but I can't say I've ever thought about the total cost of ownersh...
by B4Xt3r
Sun Dec 30, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7290

Re: Nice jeans for work with lowest average cost of ownership

livesoft wrote:
Sat Dec 29, 2018 9:08 pm
Sounds like a wash sale to me. Maybe wait more than 30 days ....
I usually wait less than thirty days between washing. Keeps the IRS and the smells away!
by B4Xt3r
Sun Dec 30, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7290

Re: Nice jeans for work with lowest average cost of ownership

livesoft wrote:
Sat Dec 29, 2018 8:56 pm
I stopped following this thread...
Apparently not :)
by B4Xt3r
Sat Dec 29, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7290

Re: Nice jeans for work with lowest average cost of ownership

I bought some Duluth trading company jeans, we'll see how well they last.
by B4Xt3r
Sat Dec 29, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 60 Rollover from ROTH IRA back into same ROTH IRA
Replies: 6
Views: 271

Re: 60 Rollover from ROTH IRA back into same ROTH IRA

Hi All, I am trying to find exactly where the IRS officially discloses that rollovers from ROTH IRAs can be back into the same ROTH IRA (thereby creating a 60 day loan to myself). The closest I could find was pg 23 of: https://www.irs.gov/pub/irs-pdf/p590a.pdf . Unfortunately that only states it fo...
by B4Xt3r
Sat Dec 29, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: 60 Rollover from ROTH IRA back into same ROTH IRA
Replies: 6
Views: 271

Re: 60 Rollover from ROTH IRA back into same ROTH IRA

Table 1-4 on page 22 shows that you can. Cheers I'm not sure that chart really clarifies that it can be the same ROTH IRA, right? Also, within that pub, "Generally, a rollover is a tax-free distribution to you of cash or other assets from one retirement plan that you contribute to another retiremen...
by B4Xt3r
Sat Dec 29, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: 60 Rollover from ROTH IRA back into same ROTH IRA
Replies: 6
Views: 271

60 Rollover from ROTH IRA back into same ROTH IRA

Hi All, I am trying to find exactly where the IRS officially discloses that rollovers from ROTH IRAs can be back into the same ROTH IRA (thereby creating a 60 day loan to myself). The closest I could find was pg 23 of: https://www.irs.gov/pub/irs-pdf/p590a.pdf . Unfortunately that only states it for...
by B4Xt3r
Fri Dec 28, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7290

Re: Nice jeans for work with lowest average cost of ownership

:sharebeer OP here with a friendly reminder that the original question was about cost of ownership ($$/years of service). Please tell me about the last 3 jeans you purchased, what you paid, how you washed them, how you wore them, and how long they lasted. Thanks! BTW, I used to get jeans as gifts, s...
by B4Xt3r
Thu Dec 27, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7290

Re: Nice jeans for work with lowest average cost of ownership

OP here with a friendly reminder that the original question was about cost of ownership ($$/years of service). Please tell me about the last 3 jeans you purchased, what you paid, how you washed them, how you wore them, and how long they lasted. Thanks! BTW, I used to get jeans as gifts, so would th...
by B4Xt3r
Thu Dec 27, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7290

Re: Nice jeans for work with lowest average cost of ownership

OP here with a friendly reminder that the original question was about cost of ownership ($$/years of service).
by B4Xt3r
Wed Dec 26, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7290

Nice jeans for work with lowest average cost of ownership

Hi All, I am engineer that supports high-tech manufacturering. Its not uncommon for the other engineers to wear button-down w/jeans. I'm interested if someone can recommend to me a manufacturer of men's jeans that are "nice enough" to pass in a work environment but that have the lowest average cost ...
by B4Xt3r
Tue Dec 25, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 407
Views: 58168

Re: What NON frugal thing did you do today?

I drove my truck because it has more smiles per gallon than my wife's prius.
by B4Xt3r
Sat Dec 22, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are some insurance polcies philosophically similar to gambling?
Replies: 57
Views: 2893

Are some insurance polcies philosophically similar to gambling?

I'm trying to decide if some insurance polices are philosophically similar to gambling. The "some" in the title is meant to limit the discussion to policies for events which are not finacially ruinous (say, where the total payout is less than 50% of one's networth). They both pay into a system for a...
by B4Xt3r
Fri Dec 21, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 20910

Re: Whose buying today? where's all the "dry powder" folks at? :)

Any insight or tips? Do many try to 'wait' for bottom? or buy on the way back up? (whenever that may be) Not market timing, just buying on sale. :moneybag Uh huh... nothing about that sounds like timing? :happy "Timing" would be trying to time the bottom to buy.....buying on the way down isn't quit...
by B4Xt3r
Thu Dec 20, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Rolling over previous employeers Roth 401(k) into Roth IRA
Replies: 12
Views: 718

Re: Rolling over previous employeers Roth 401(k) into Roth IRA

Ok, so if I understand things correctly for a ROTH IRA that has not been around for 5 years, it is only the contributions which could be used for a house downpayment without penalty. Hypothetically, if I rolled over the ROTH 401(k) into the ROTH IRA, then the contributions to the ROTH 401(k) would a...
by B4Xt3r
Thu Dec 20, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Rolling over previous employeers Roth 401(k) into Roth IRA
Replies: 12
Views: 718

Re: Rolling over previous employeers Roth 401(k) into Roth IRA

FiveK wrote:
Wed Dec 19, 2018 9:18 pm
B4Xt3r wrote:
Wed Dec 19, 2018 8:28 pm
Ok, so when I tell the company who manages the 401(k), I'll just need to specify which option that I want?
You might have better luck by telling the IRA administrator what you want and have them take the lead helping you pull the money directly from the 401k administrator.
:sharebeer
by B4Xt3r
Wed Dec 19, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Rolling over previous employeers Roth 401(k) into Roth IRA
Replies: 12
Views: 718

Re: Rolling over previous employeers Roth 401(k) into Roth IRA

(1) I believe that the employeer match into the 401(k) is traditional, while our contributions were ROTH. How does this effect the rollover process? The traditional 401k amount should go into a traditional IRA, and the Roth 401k amount should go into a Roth IRA. Unless you want to convert and pay t...
by B4Xt3r
Wed Dec 19, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Rolling over previous employeers Roth 401(k) into Roth IRA
Replies: 12
Views: 718

Re: Rolling over previous employeers Roth 401(k) into Roth IRA

No help? (Even a link where I can educate myself would be much appreciated.)
by B4Xt3r
Wed Dec 19, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Rolling over previous employeers Roth 401(k) into Roth IRA
Replies: 12
Views: 718

Rolling over previous employeers Roth 401(k) into Roth IRA

Hi All, I come seeking help :o . I'm considering rolling over a previous employeer's Roth 401(k) into a Roth IRA (the ROTH IRA is less than 5 years old). There are two issues that concern me. (1) I believe that the employeer match into the 401(k) is traditional, while our contributions were ROTH. Ho...
by B4Xt3r
Wed Dec 12, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1218

Bathroom scale

Hi,

Can anyone reccomend to me a bathroom scale that will last 30 years?

-B4xt3r
by B4Xt3r
Fri Dec 07, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5399

Re: Ignored Risks of Factor Investing

Key Points: [*]The risks of factor investing are usually understated (perhaps, severely so), and the diversification benefits tend to be overstated. [*]Because factor returns substantially deviate from normality and because correlations between factors are not constant over time, a multi-factor por...
by B4Xt3r
Thu Nov 29, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4280

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

... How to solve? Manufacturers can add port/throttle body fuel injection specifically to clean the intake valves and some do. I am not aware of an after market way to replicate this. DIY: Diverting the vapors from ending up in the intake is solved in a few ways. A catch can re-routes the PCV outpu...
by B4Xt3r
Thu Nov 29, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4280

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

Far as I know, most Toyotas use port and direct injection. But besides them, who else has port injection? Seems to limit choice considerably. Ford uses dual systems from 2017 onward on both the 2.7 and 3.5L turbo platforms. This also goes for Lincoln and Lexus as luxury brands of their parent compa...
by B4Xt3r
Thu Nov 29, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4280

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

CULater wrote:
Thu Nov 29, 2018 1:09 am
Far as I know, most Toyotas use port and direct injection. But besides them, who else has port injection? Seems to limit choice considerably.
2018+ Ford 2.7 ecoboost and 5.0 coyote, and 2017+ Ford 3.5 ecoboost uses dual port and direct injection.
by B4Xt3r
Thu Nov 29, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8999

Re: How did YOU choose your career?

I wanted to be a teacher, was very, very good at it and I got my PhD at 29. As I was writing my thesis and applying to tenure track jobs at teaching institutions I also learned how much $$ I needed to save per month, and estimated other cost of living expenses for the lifestyle that I wanted. I took...
by B4Xt3r
Sun Nov 18, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15568

Re: If riskier than US, why doesn't international outperform?

Both VUS and VUN are traded on the Canadian stock market in Canadian dollars. They pay their distributions using Canadian dollars. It's internally, within these ETFs that dollars are converted to US dollars and back, with much better price efficiency than an individual investor could achieve. Both ...
by B4Xt3r
Sun Nov 18, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15568

Re: If riskier than US, why doesn't international outperform?

Both VUS and VUN are traded on the Canadian stock market in Canadian dollars. They pay their distributions using Canadian dollars. It's internally, within these ETFs that dollars are converted to US dollars and back, with much better price efficiency than an individual investor could achieve. Both ...
by B4Xt3r
Sun Nov 18, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15568

Re: If riskier than US, why doesn't international outperform?

Nobody commented on my earlier hints... Very interesting post! If one uses an unhedged fund like VUN, are there still costs associated with converting between the domestic and foreign currencies? (My suspicion is yes, but I do not know the answer.) If the answer to the above question is yes, are th...
by B4Xt3r
Sat Nov 17, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15568

Re: If riskier than US, why doesn't international outperform?

Nobody commented on my earlier hints... Very interesting post! If one uses an unhedged fund like VUN, are there still costs associated with converting between the domestic and foreign currencies? (My suspicion is yes, but I do not know the answer.) If the answer to the above question is yes, are th...
by B4Xt3r
Sat Nov 17, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15568

Re: If riskier than US, why doesn't international outperform?

Nobody knows more than the peopie at Vanguard, but Vanguard’s decision to herd its investors like cattle into large international stock allocations has been handled poorly. It's hard for me to see how Vanguard has been "herding" anyone. Their considered conclusion (right or wrong) is that equity al...
by B4Xt3r
Sat Nov 17, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15568

Re: If riskier than US, why doesn't international outperform?

Nobody commented on my earlier hints... Very interesting post! If one uses an unhedged fund like VUN, are there still costs associated with converting between the domestic and foreign currencies? (My suspicion is yes, but I do not know the answer.) If the answer to the above question is yes, are th...
by B4Xt3r
Tue Nov 13, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 4065

Re: Feeling uneasy about recent splurge

I would "sleep on it."

You'll feel better in the morning.
by B4Xt3r
Sat Nov 10, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Is NOW a good time to start ETF saving journey?
Replies: 13
Views: 1407

Re: Is NOW a good time to start ETF saving journey?

...for lazy, risk tolerant investor? Just an observation, and I only intend to help you discover yourself a bit better. I am not sure that you can state that you are risk-tolerant given. However, given current market hopping up and down wouldn't it be better to wait... It feels a bit intimidating t...
by B4Xt3r
Thu Nov 08, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7568

Re: Too many choices for my next TRUCK

Ok, so I thought I was done shopping for pick up truck. I narrowed it down to either a 2018 Nissan Titan (SV) or a 2019 Toyota Tundra (SR 5.7L). They were priced in the $30K range. I was going to decide this month and pick one up. Done! But then I saw that the 2018 Ford F150 (2.7/3.5L Ecoboost) and...
by B4Xt3r
Sun Nov 04, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 943

Re: Best way to guesstimate returns of lifestrategy funds?

jeffyscott wrote:
Sun Nov 04, 2018 3:31 pm
B4Xt3r wrote:
Sun Nov 04, 2018 3:17 pm
^ yeah, good call.

Forecasted returns are pretty sad.
RA's are much less sad than GMOs, though.
GMO? I’m not aware of that. Care to educate me?
by B4Xt3r
Sun Nov 04, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 943

Re: Best way to guesstimate returns of lifestrategy funds?

^ yeah, good call.

Forecasted returns are pretty sad.
by B4Xt3r
Sun Nov 04, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 943

Re: Best way to guesstimate returns of lifestrategy funds?

Why the faith, to such a degree, that you elevate the relationship between supply and demand so far as to describe it by "law?" You don't know the name of the theory? I'm surprised! Here's a quick reference: The Law of Supply and Demand - Quickonomics . I think you have misjudged my understanding.
by B4Xt3r
Sun Nov 04, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 943

Re: Best way to guesstimate returns of lifestrategy funds?

whodidntante wrote:
Sun Nov 04, 2018 12:14 pm
...
Yes it is.
Interesting, so is the following list the best corrsepondence:

TSM - "Large US"
Total international - "EAFE"
TBM - "US Aggregate"
Total International Bond - "Global aggregate"

?
by B4Xt3r
Sun Nov 04, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 943

Re: Best way to guesstimate returns of lifestrategy funds?

Research affiliates has an interactive tool that gives expected returns for various asset classes. You could compute a weighted average for the constituent asset classes. Interesting, is this what you are talking about? https://interactive.researchaffiliates.com/asset-allocation#!/?category=Develop...
by B4Xt3r
Sun Nov 04, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 943

Re: Best way to guesstimate returns of lifestrategy funds?

I see my parenthetical has become the main topic of your reply... :oops: That said, I can't resist.... :twisted: I am would be really surprised if you are as unreliant on past behavior as you indicate. Why the faith, to such a degree, that you elevate the relationship between supply and demand so fa...
by B4Xt3r
Sun Nov 04, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Best way to guesstimate returns of lifestrategy funds?
Replies: 19
Views: 943

Re: Best way to guesstimate returns of lifestrategy funds?

Hi All, Is there a decent way to guesstimate the forward looking returns of the lifestrategy funds? Right now, the only thing I know how to do is to use Simba's backtesting spreadsheet to calculate the total return by weighting the individual components (TSM, TBM, etc.) Is there a better way? Thank...