Search found 1302 matches

by deltaneutral83
Fri Nov 15, 2019 1:43 pm
Forum: Personal Investments
Topic: Your most difficult and your most euphoric investing moments
Replies: 24
Views: 1811

Re: Your most difficult and your most euphoric investing moments

I've been on the board several years now and I don't think I've seen a thread to this effect. I am curious: A) What was your most difficult investing moment for you, psychologically? And how did you respond to it? Was it watching your accounts go down by half in the Great Recession? Or something el...
by deltaneutral83
Fri Nov 15, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 74
Views: 5310

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

I wouldn't think the FIRE movement is 100/0 in their asset allocation?
by deltaneutral83
Fri Nov 15, 2019 9:01 am
Forum: Personal Investments
Topic: Vanguard funds at Merrill Edge is there a catch?
Replies: 16
Views: 685

Re: Vanguard funds at Merrill Edge is there a catch?

I am not sure how ¨well-known¨ this strategy is. I did not know about it until about a year after I joined these forums. There was a lot of information to absorb and it was kind of overwhelming to process it all. The OP just joined this forum last summer. I may be misunderstanding but I haven't eve...
by deltaneutral83
Fri Nov 15, 2019 8:31 am
Forum: Personal Investments
Topic: Vanguard funds at Merrill Edge is there a catch?
Replies: 16
Views: 685

Re: Vanguard funds at Merrill Edge is there a catch?

Explorer wrote:
Fri Nov 15, 2019 8:23 am
A while back I heard that there are some Vanguard mutual funds available at Merrill with NTF. You may want to call them to confirm.
Yea they told me "A" shares of American Funds were fine to sell without commissions.
by deltaneutral83
Wed Nov 13, 2019 9:37 am
Forum: Personal Investments
Topic: SIL retirement puzzle
Replies: 49
Views: 3457

Re: SIL retirement puzzle

Don't forget the elephant in the room of ACA until medicare for the next 12-24 months. Even with heavily subsidized premiums an out of pocket max in and/or out of network will crush the budget. Not sure how healthcare works with someone who has been ruled disabled though.
by deltaneutral83
Wed Nov 13, 2019 9:02 am
Forum: Personal Investments
Topic: SIL retirement puzzle
Replies: 49
Views: 3457

Re: SIL retirement puzzle

Well dang, sorry for the confusion, I see I should have been clearer. Anyhow, I have a spreadsheet that models the withdrawals and, while the asset balance does fall for two years, once the pension begins, it starts to rise as income > expenses. I think the confusion is that you may be viewing this...
by deltaneutral83
Wed Nov 13, 2019 8:46 am
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 72
Views: 4743

Re: How to combine finances with your spouse? Recently married/early30s

I may not be understanding both morally or legally. If OP ever gets a mortgage together with spouse or co mingle any assets of any kind with the small amount of net worth OP has individually and obviously the lower combined net worth once debt is factored in, is it not legally all the same pot? Mora...
by deltaneutral83
Tue Nov 12, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11175

Re: Saving seats on Southwest

I view this as more of a people issue than company/policy issue. The same nonsense happens at just about every resort I've been to and on every cruise ship I've been on with the pool chairs. It is even worse in those cases because the chair is going unused for part of the day. I'd be curious to see...
by deltaneutral83
Tue Nov 12, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11175

Re: Saving seats on Southwest

What is the business rationale for why SW doesn't state before boarding that there are no assigned nor saved seats? It seems like SW is inviting an incident because cheapskates will throw down over $50 like there' s no tomorrow. I find the idea quite comical that someone would try to save a seat an...
by deltaneutral83
Tue Nov 12, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11175

Re: Saving seats on Southwest

People bash SWA but I'm telling you it's one of my preferred airlines. Flights are cheap and on time, they don't penalize you if you have to make changes, and bags fly free. Plus if you play the credit cards right, buy one get one free for two years. Open seating is just a slight inconvenience. Tra...
by deltaneutral83
Tue Nov 12, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11175

Re: Saving seats on Southwest

What is the business rationale for why SW doesn't state before boarding that there are no assigned nor saved seats? It seems like SW is inviting an incident because cheapskates will throw down over $50 like there' s no tomorrow. I find the idea quite comical that someone would try to save a seat and...
by deltaneutral83
Sun Nov 10, 2019 10:30 am
Forum: Personal Investments
Topic: Talk Me Off the Active Investing Ledge!
Replies: 34
Views: 2065

Re: Talk Me Off the Active Investing Ledge!

Active management will not work out probability wise, it's that simple. In a vacuum, if you had active management with 0 cost (transactions, front or back end load, ER, AUM, etc etc) in a retirement account it would still be a coin flip as the indexes by default get "average" returns that the market...
by deltaneutral83
Sat Nov 09, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10508

Re: Seller's agent not letting us use a buyer's agent

The sellers agent did all the work and you didn’t tell them that you had an agent. They deserve the whole sale. You don’t have to miss out on the house. You just need to get over being miffed. Sorry. Cheers He showed us the house once. He asked if we had an agent during the tour. We said we did not...
by deltaneutral83
Sat Nov 09, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3974

Re: shocking hospital fee estimate

Hitting an OOP max of $3k for any hospital admission and pre arranging all of the healthcare provided to be in network is a victory, to think anything less is to be unaware of the current healthcare climate. OP should have no other bills the rest of the plan year as long as OP stays in network. The ...
by deltaneutral83
Fri Nov 08, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage to prepay or not prepay
Replies: 83
Views: 6425

Re: Mortgage to prepay or not prepay

How about do both for twelve months, take half of disposable income and pay down mortgage, and take the other half and invest in a taxable, this way you keep both camps of Bogleheads happy :D . Reassess how you feel in 12 months.
by deltaneutral83
Fri Nov 08, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5233

Re: Early Financial Independence. - Healthcare costs

Just thinking out loud: -Selling off four years and moving to cash gets you no subsidy for one year but max subsidies for three years, with the caveat you need to remain well over 1x the poverty rate in years 2/3/4 based off your tax status. You'd be taking some chips off the table to avoid high pre...
by deltaneutral83
Fri Nov 08, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5233

Re: Early Financial Independence. - Healthcare costs

Guys it depends on income for ACA. If OP is at 1.2x poverty line for his tax status (2 people) from his div's from his taxable account, he could easily be looking at a premium of $240 for health care and I can see the deductible/oop max not even being that crazy at something like $4k/$8k. ETA - For ...
by deltaneutral83
Thu Nov 07, 2019 4:45 pm
Forum: Personal Investments
Topic: How much is too much in an HSA?
Replies: 51
Views: 4229

Re: How much is too much in an HSA?

There are several threads on BH about horror stories from the ER where insurance companies don't want to pick up the tab on out of network services provded by medical people in the ER who aren't in network. Think 50 grand just to get the ball rolling. Of course you will fight it out with the insuran...
by deltaneutral83
Thu Nov 07, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 778

Re: Car accident, insurance questions

IANAL but have been in this situation but the diminished value part will likely depend on which state you live in because some states are more on top of this than others. You will no doubt have to get an appraisal or other written documentation of the new value vs what it would be without the accide...
by deltaneutral83
Thu Nov 07, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - HSA during birth year?
Replies: 27
Views: 1063

Re: Health Insurance - HSA during birth year?

When does the health plan move to a employee ==>employee + child, or a couple ==> family??? Do they just move you to the appropriate plan the day of the birth and give you credit toward your new deduc/oop max from the prior time of the year ?
by deltaneutral83
Thu Nov 07, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use this HSA plan?
Replies: 6
Views: 329

Re: Should I use this HSA plan?

OP it doesn't make much sense if you are paying $233 more per month to have significantly higher deductible and OOP max. That annual premium differnece alone is $2,796 which is 70% of the way to your out of pocket max ($4k) on the PPO. Be sure to double check your employers literature on this. The P...
by deltaneutral83
Thu Nov 07, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2647

Re: When to buy Car extended warranty ?

Whatever works for the person at the time is the best solution... I agree but it's hard to know in advance which future outcome will be best! You paid about $2,400 for potential repairs that ended up costing $6,600 Audi dollars. It was $3,000 all in with deducs. I have no idea what those costs woul...
by deltaneutral83
Thu Nov 07, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2647

Re: When to buy Car extended warranty ?

"I would have but I knew I could go to the repair shop of my choice with my $100 deduc, so I went to Audi, who does loaners as well, so there's value in that too in addition to having the dealer work on all the repairs." This is what closes the circle and justifies the prices. "Most mechanics that ...
by deltaneutral83
Thu Nov 07, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2647

Re: When to buy Car extended warranty ?

"A window regulator from Audi was $700 and I had two go out in the 60 months of the extended warranty alone" And that is one of the ways they justify the large costs of insurance - perhaps look up the real cost of this regulator at Rock Auto and/or get a quote from a reasonable local repair shop tp...
by deltaneutral83
Thu Nov 07, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1970
Views: 327722

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

On Schwab's referral program, can I transfer in in kind from another brokerage or does it have to be cash? Terms were a little murky.

https://www.schwab.com/public/schwab/nn ... lient.html
by deltaneutral83
Thu Nov 07, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2647

Re: When to buy Car extended warranty ?

Bought 2004 Audi in 2007 with 23,000 miles. Had 8 months of factory warranty. Bought an aftermarket policy with additional 5 years for $2,400 plus $100 deduc per repair. Blew through $3k in repairs by the end of 18 months on the 5 year/60 month extended warranty. A window regulator from Audi was $70...
by deltaneutral83
Wed Nov 06, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Why shouldn't I buy a Dow Jones index fund instead of TSM or the S&P?
Replies: 20
Views: 1290

Re: Why shouldn't I buy a Dow Jones index fund instead of TSM or the S&P?

I show they (DIA SPY) are dead even since 10/1/2008. I guess the out performance was all before then? Doubt that matters now going forward. You'd also be unhappy if you did DIA at the beginning of 2018 or 2019 which I guess is the case in large part to Boeing.
by deltaneutral83
Tue Nov 05, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which HDHP/PPO Plan
Replies: 9
Views: 629

Re: Which HDHP/PPO Plan

Is your employer picking up any of the tab of the monthly premium and if so, how much for each plan? Also, does your employer match or contribute to the HSA with the HDHP's (whoops see that now, $1,000). Just eyeballing it, I'm not sure how the PPO makes sense in that the premium difference is so su...
by deltaneutral83
Tue Nov 05, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2037

Re: Pay down 7% 403b loan or 3.74% car loan first?

OP is maxing 403b contributions. You have assumed they haven't learned their lesson and will continue to engage in non-bh behavior. You also know nothing about their financial situation - retirement account balances, age, total debts, etc - beyond what little information was posted regarding the lo...
by deltaneutral83
Tue Nov 05, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2037

Re: Pay down 7% 403b loan or 3.74% car loan first?

Lmao the question was loan vs. loan - OP wasn’t asking how you all think he should live his life. 403b first, using proceeds from car sale Clarice, I plan on engaging in habits that will contribute to my heart exploding. Good thing is I am already overweight, I do not exercise, and terrible genetic...
by deltaneutral83
Tue Nov 05, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2037

Re: Pay down 7% 403b loan or 3.74% car loan first?

I get that this is Bogleheads so its going to be conservative, but I don't agree with the disdain for all consumer debt for all people always. If everyone was that conservative, they wouldn't let themselves have fun until they saved to pay cash for everything. Yes, a fun 40k car is technically outs...
by deltaneutral83
Mon Nov 04, 2019 10:29 am
Forum: Personal Investments
Topic: HDHP/HSA vs. PPO - Second Opinion
Replies: 18
Views: 1143

Re: HDHP/HSA vs. PPO - Second Opinion

In between is where it gets a little more challenging but if I can go a year or two without using much, that can hopefully cover the worst expense years. But wait, then isn't the "in between" the worst case? Meaning, craft a spending scenario that costs you the most if you choose incorrectly. How m...
by deltaneutral83
Sun Nov 03, 2019 4:35 pm
Forum: Personal Investments
Topic: HDHP/HSA vs. PPO - Second Opinion
Replies: 18
Views: 1143

Re: HDHP/HSA vs. PPO - Second Opinion

589 + 750(x 1.35). If you plan on using less than $1,700-ish in medical expenses with the HSA it wins. If you are admitted into the hospital or ER the PPO will presumably win, as the OOP is less on the PPO. You have the scenario where your OOP max is higher on the HDHP than the PPO, so that leans to...
by deltaneutral83
Fri Nov 01, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Just got married] Looking for ways to cut down on my budget
Replies: 80
Views: 6417

Re: [Just got married] Looking for ways to cut down on my budget

All of this wisdom shared by the board doesn't address the stresses and anxiety that is associated with 250k loan at 6% that yields a 60k salary with what appears to be no encouraging signs of major increases. I would prioritize the debt beyond a 401k match and Roths/backdoor/HSA with combined incom...
by deltaneutral83
Tue Oct 29, 2019 3:00 pm
Forum: Investing - Theory, News & General
Topic: Difficulty lnvesting a Windfall
Replies: 25
Views: 3286

Re: Difficulty lnvesting a Windfall

I have invested everything in my equity allocation each and every minute that I do not hit the "liquidate entire portfolio" button in side my account. So I literally invest a windfall every trading day. Today is no different than yesterday and tomorrow will be no different than today with regards to...
by deltaneutral83
Tue Oct 29, 2019 2:44 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 21186

Re: Holding bonds vs 100% equities

I'd be curious to see what 2 years expenses in cash (where the amount will most likely increase year to year as life changes) and the rest in equities vs a 70/30 stocks/bonds allocation yields?
by deltaneutral83
Tue Oct 29, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11591

Re: Ok to go without health insurance?

This is the most entertaining thread I've read in a while. I've heard of car accidents with injuries and bad burns that required well into the 7 figures over several years of healthcare. OP, you really trust other broke/"insurance-less" drivers with your 7 figure net worth? There are endless possibi...
by deltaneutral83
Tue Oct 29, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8820

Re: How much do you plan to spend on your children's weddings?

A small cash sum and a motorcade of 12 year old Corollas rented from Enterprise to escort the bridal party on the wedding day. A few coupons for BOGO chick fil a sandwiches on the pillow of the AirBnB rentals as well for the wedding party. Seriously, we all come from different backgrounds. Some peop...
by deltaneutral83
Thu Oct 24, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Putting money into HSA
Replies: 6
Views: 527

Re: Putting money into HSA

Don't think you can do this unless you currently have an HDHP+HSA and you are NOT on Medicare.
by deltaneutral83
Wed Oct 23, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Open Enrollment With COBRA Ending
Replies: 17
Views: 1120

Re: ACA Open Enrollment With COBRA Ending

Your call. But you know that you are 61? When 26 year olds do this, I think it is stupid. But the 26 year old has a much much greater chance of having the gamble pay off. (I do recognize that you will probably get away with it.) I hear ya. All my biometrics are very good. My main concern is somethi...
by deltaneutral83
Wed Oct 23, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Another 401k loan question
Replies: 10
Views: 455

Re: Another 401k loan question

What's the worst case? That your loan becomes a early distribution and you need to pay taxes and a 10% penalty? Not much you can do about it but work on paying it back. I wouldn't treat it like an emergency but do save diligently and get it paid off! The worst case would be being terminated in late...
by deltaneutral83
Wed Oct 23, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10186

Re: For those who are FI: At what point did you begin to relax?

DI2K - Double Income 2 kids DINK - Double Income No Kids SINK - Single Income No Kids SUNK - Starving. Unemployed. No Kids. My neighbor has mentioned the 60's were a blur and he identifies with DI?K. In all seriousness, I would imagine a SPIA from a reputable company would alleviate the worriers fo...
by deltaneutral83
Wed Oct 23, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Sharing my camry 2011 overall/annual ownership costs.
Replies: 19
Views: 1197

Re: Sharing my camry 2011 overall/annual ownership costs.

Assuming you can sell the car for $1,500-$2k if it runs, that would be factored in at the end, no?
by deltaneutral83
Fri Oct 18, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Legacy/Inheritance
Replies: 61
Views: 6636

Re: Legacy/Inheritance

I am in no way qualified to give you financial advice and I will not do so. However, I'd like to offer you my admiration that you've been able to live a lifestyle in which your kids don't know their parents are worth tens of millions of dollars. That's pretty remarkable. If one lived a lifestyle wh...
by deltaneutral83
Fri Oct 18, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: Investing for the "great sag" - Dalio
Replies: 65
Views: 10350

Re: Investing for the "great sag" - Dalio

Probably, because the market has a good memory and likes for as many predictions as possible to be wrong, so the people that think the market will crash greater than say 35% would be wrong and the people that seem to think the market will hum along with 9% returns CAGR will also be wrong. 10 year re...
by deltaneutral83
Wed Oct 16, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5015

Re: Prenuptial agreement for moderately successful 30 year olds

Methinks you should worry more about your judgment than your money quite frankly. If you don’t trust this person with your very life, perhaps it’s time to find someone else. Finding the right person in the world for you would be a better idea than finding the right prenup. This should be easy: ther...
by deltaneutral83
Wed Oct 16, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5015

Re: Prenuptial agreement for moderately successful 30 year olds

Marriages don't last? The divorce rate for millennials is actually lower than that of older generations. Again, this is mostly off topic. The rate of divorce could be 10%, it still wouldn't negate the needs and priorities of the OP. On top of that the oldest millennial isn't even 40 so how would su...
by deltaneutral83
Wed Oct 16, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5015

Re: Prenuptial agreement for moderately successful 30 year olds

My wife and I met college and have been together since we were 20 (me) and 19 (her) and are now 32 and 31; however, we married right after I graduated from law school (6 years ago). Perhaps my wife and I are old-fashioned . . . all accounts are joint, all income/assets/etc. are ours regardless of t...
by deltaneutral83
Wed Oct 16, 2019 7:46 am
Forum: Personal Investments
Topic: A friend was offered an annuity by Chase
Replies: 31
Views: 2475

Re: A friend was offered an annuity by Chase

Is he currently on Community Medicaid? He wants to check if an annuity of any kind would knock him off their eligibility rolls. Also, will this be income for this tax year? Would someone who has $2k a month in pension and SS be anywhere near the Medicaid line? That's $24k a year, think the line (at...
by deltaneutral83
Tue Oct 15, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6225

Re: Frustrated with dentist fees

90 second solution: Call Dentist, speak to office manager, tell them to review your insurance and to make a note in your file that you do NOT want any services not covered by insurance (i.e. you do not want anything other than the cleaning and the X rays). Ask to speak directly to the dentist and ex...