Search found 1140 matches

by deltaneutral83
Mon Jun 17, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 104
Views: 6733

Re: Article on high deductible health plans - and the math

My company has kept our Low-deductible plan very advantage to employees. I am sometimes jealous because I can't open an HSA and increase my tax-advantaged space the way everyone here talks about but for me - I've run the math - it isn't worth it to spend thousands more in medical costs yearly to sa...
by deltaneutral83
Mon Jun 17, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 104
Views: 6733

Re: Article on high deductible health plans - and the math

For the past few years I have used a HDHP and have chewed through my $6,000+ family deductible. In fact, I expected to with a family of 5 and some medications used. I still came out better than the other options. Others have mentioned it, but I think it is important enough to mention. These two opt...
by deltaneutral83
Mon Jun 17, 2019 11:14 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 45
Views: 3092

Re: Advice for young married couples: PLEASE HELP!

The wealthy person would need to come to an agreement with their to be broke spouse before the marriage on what the expectations are. Fortunately (unfortunately?) most are not in this position. If you can’t jump in feet first to the marriage I don’t understand why you are getting married. I see you...
by deltaneutral83
Mon Jun 17, 2019 9:15 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 45
Views: 3092

Re: Advice for young married couples: PLEASE HELP!

When my husband and I combined finances we made a "200 $ rule" which was any expense over 200 from "our" money we should discuss with the other before making. I suggest couples try it, with whatever $ amount applies in their situation. Just curious, most of what you describe (and most other marriag...
by deltaneutral83
Mon Jun 17, 2019 9:00 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 45
Views: 3092

Re: Advice for young married couples: PLEASE HELP!

It sounds like you maybe giving out both financial and potentially legal advice to a very diverse crowd that you know very little about. That could/would typically lead to unintended poor results. I have no idea how you would avoid that..... I think OP is sticking to the headliners of "spend less t...
by deltaneutral83
Sun Jun 16, 2019 1:22 pm
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 105
Views: 6735

Re: Why do large personal portfolios include bonds?

I've been wondering this for quite some time now. I understand why you would worry about volatility and sequence of returns risk as you approach retirement with a portfolio in a certain size range if you're using something like the 4% rule. A hypothetical person wants to spend $40K per year and has...
by deltaneutral83
Sun Jun 16, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: what type of term life insurance
Replies: 12
Views: 932

Re: what type of term life insurance

Tx all respondents. Megabad, good point. The have minimal savings, any nest egg was applied to home purchase 2 yrs ago. About whether they will "accept advice" --- not sure. They are both very smart, but there can be denial about need for life insurance . Interestingly, our chapter meeting next wee...
by deltaneutral83
Sat Jun 15, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 100
Views: 14980

Re: Do not use Personal Capital

lepa71 wrote:
Sat Jun 15, 2019 1:44 pm
I agree with one caveat. If it has been encrypted then it can be decrypted. It is just a matter of time and compute power. (cough NSA cough) :D
Good maybe the govt will see all our index positions and then suggest that for pensions instead of expensive mangers.
by deltaneutral83
Sat Jun 15, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 104
Views: 6733

Re: Article on high deductible health plans - and the math

I currently use a high deductible plan, though it's only a $1500 deductible. My employer picks up the entire premium. I'm young and relatively healthy so I'm willing to take the gamble. Even a lot of my older coworkers use the HDHP in order to take advantage of the HSA. We are the small minority fo...
by deltaneutral83
Thu Jun 13, 2019 4:01 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 310
Views: 35110

Re: How Bad was 2008, really?

reading this anyone came out with the slight idea of 'shorting' the market when 2008 crash begins to happen? You know, stocks are down, glooms everywhere, job lost, and you bet that it will continue to drop....does the idea of shorting come to your mind? No, I would want to buy puts on the S&P abou...
by deltaneutral83
Thu Jun 13, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 61
Views: 2449

Re: How much is your guys’ fees for your 401k?

I'm impressed so many know the answer to this question. How would one find the answer to this question? I have a 401k through Fidelity, and have perused through the plan documents in the past, but it's not clear to me where this would be spelled out. Ask your HR, if you work for large company it wi...
by deltaneutral83
Thu Jun 13, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 61
Views: 2449

Re: How much is your guys’ fees for your 401k?

Came out to about 43bps AUM for me (custodian charges tiered AUM based on total held by company); plus $75. Plenty of index funds offered at less than 5 bps on the ER side of things.
by deltaneutral83
Wed Jun 12, 2019 3:38 pm
Forum: Personal Investments
Topic: HSA - Save Reciepts When Paying Bills?
Replies: 36
Views: 2186

Re: HSA - Save Reciepts When Paying Bills?

Hypothetically, there is a cap on how much one could claim on an HSA ($3,500/$7,000) How did you arrive at those numbers? I shouldn't have listed those yearly contribution numbers with an assumed direct connection to amount requested for reimbursement. I'm just suggesting that if you started an HSA...
by deltaneutral83
Wed Jun 12, 2019 8:54 am
Forum: Personal Investments
Topic: HSA - Save Reciepts When Paying Bills?
Replies: 36
Views: 2186

Re: HSA - Save Reciepts When Paying Bills?

Just curious.....I'd like to hear from anyone here that has been asked by the IRS to provide receipts to substantiate HSA withdrawals. First hand accounts only. I withdrew over $24k from my HSA in TY2018, do have receipts to substantiate the withdrawal, but don't really expect any questions from th...
by deltaneutral83
Tue Jun 11, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month" [Vanguard]
Replies: 9
Views: 1520

Re: "Find out if your fund is declaring a dividend this month" [Vanguard]

Market timing is market timing. If you're talking delaying one single solitary day that may be fine, but more than a week is bad risk/reward analysis. On $50,000 you're talking about $200-$300 worth of distributions (VTSAX/VTI) that are mostly taxed at 15%-20%. For one to withhold (read: Time the Ma...
by deltaneutral83
Tue Jun 11, 2019 10:58 am
Forum: Personal Investments
Topic: 32 yr old daughter's IRAs
Replies: 15
Views: 1136

Re: 32 yr old daughter's IRAs

I'm sensing this is a closet "how much international" type thread. Vanguard uses 40% of equity allocation for Intl. This is why OP's portfolio is getting kicked in the teeth over any time frame of 1-9 years vs the S&P (well that and whatever cash drag is present).
by deltaneutral83
Tue Jun 11, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Transfer bonuses --- worth the hassle?
Replies: 13
Views: 1620

Re: Transfer bonuses --- worth the hassle?

Merrill Edge used to do a $1,000 for $200k in assets about one promo period a year (thanks Earl!). Process takes less than an hour over the phone. Very solid BoA credit card options as well and all you have to do is keep $25 in a BoA checking account to leave dormant. Free ETF trades as well. Custom...
by deltaneutral83
Mon Jun 10, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

But that's the same argument for earthquake insurance. That's my problem. The fact that something could happen isn't enough to justify insuring against it. An earthquake could wipe me out completely, and I'm in a region where one that could have done that has happened, albeit 200 years ago. But I d...
by deltaneutral83
Mon Jun 10, 2019 10:24 am
Forum: Personal Investments
Topic: Work 401(k)
Replies: 5
Views: 479

Re: Work 401(k)

I would view my entire portfolio as a whole, and I think you're aiming for the 3F? For the 401(k) I'd have whatever my bond allocation calls for here. If anything left over, the S&P fund at 4 bps you listed. Keep it simple with no overlap and build out the Intl stock in another account where you can...
by deltaneutral83
Mon Jun 10, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

A million dollar umbrella does wonders. I don't know if there is a better use for $150-$300 on an annual basis. Can you be more specific about those wonders for you? Like the OP, I'm on the fence about getting it, and I can't decide whether it's something I really should have or if it's more like e...
by deltaneutral83
Mon Jun 10, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Buying new condo without a realtor - can I ask for realtor fee discount?
Replies: 15
Views: 788

Re: Buying new condo without a realtor - can I ask for realtor fee discount?

I don't understand, incorporate whatever savings you think the selling agent from your not having an agent into your bid??? Money is fungible.
by deltaneutral83
Mon Jun 10, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

A million dollar umbrella does wonders. I don't know if there is a better use for $150-$300 on an annual basis.
by deltaneutral83
Mon Jun 10, 2019 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 4886

Re: Working for the Airlines - Value of Free Travel

Do you have any experience travelling as a non-rev flyer, or are you simply trying to relate your travel prowess to the topic of airline employee travel percs? It's nice to hear that " the CSR gives me $500 per ticketed traveler for flights cancelled or delayed ", but this has zero relevance to me ...
by deltaneutral83
Sat Jun 08, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 4886

Re: Working for the Airlines - Value of Free Travel

1) Yes, the whole flight was cancelled creating a ~300 person backlog. 2) These flights are in the evening and this happened at a time when phones with international plans were uncommon. Do you think you can just call at 11pm to get a room for the night with points? Sometimes you cannot get rooms m...
by deltaneutral83
Fri Jun 07, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 4886

Re: Working for the Airlines - Value of Free Travel

-I've been stuck in a foreign country for days waiting to get back. A flight was cancelled creating a multi-day backup. I had to get a hotel every night and travel from the city to the airport each day. Not fun. I'm a little puzzled. It seems as if you're suggesting the entire flight was cancelled,...
by deltaneutral83
Fri Jun 07, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 4886

Re: Working for the Airlines - Value of Free Travel

-I've been stuck in a foreign country for days waiting to get back. A flight was cancelled creating a multi-day backup. I had to get a hotel every night and travel from the city to the airport each day. Not fun. I'm a little puzzled. It seems as if you're suggesting the entire flight was cancelled,...
by deltaneutral83
Thu Jun 06, 2019 1:47 pm
Forum: Personal Investments
Topic: This market just scares me...
Replies: 43
Views: 4157

Re: This market just scares me...

It amazes me the amount of people freaked out by *this* market which has for all practical purposes been amazing for 10 years. Sure last year was a modestly down year but YTD the SP500 is up over 10%. What’s going to happen when the market has a 2000-2002 period again? People won't be scared of the...
by deltaneutral83
Thu Jun 06, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: Convince me not to try to time the market
Replies: 27
Views: 2025

Re: Convince me not to try to time the market

The S&P is down from 1/26/2018. You rarely get 16.5 months where it is not higher (of course this excludes dividends but still...) so not sure the "the market is sooooo high" rhetoric. I would imagine lump summing would beat DCA in this exact situation more than the usual 66% of the time seeing as h...
by deltaneutral83
Wed Jun 05, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 13836

Re: You May Never See Your Grandchildren Again

What if you don't like your grand kids anyway?
by deltaneutral83
Fri May 31, 2019 9:58 am
Forum: Personal Investments
Topic: How to First Invest HSA Contribution $3,500
Replies: 11
Views: 701

Re: How to First Invest HSA Contribution $3,500

SPTM and be done with it.
by deltaneutral83
Fri May 31, 2019 7:29 am
Forum: Personal Investments
Topic: Change in 401K due to employer change
Replies: 17
Views: 825

Re: Change in 401K due to employer change

Regarding your speculation that I had a claim that money being in a 401k came handy: NO. Touch wood. I take pride in the notion that I pay all my dues promptly. I have a 800+ credit score as a testament to that assertion. That said, there is a significant risk of medical emergencies / expenses that...
by deltaneutral83
Thu May 30, 2019 4:01 pm
Forum: Personal Investments
Topic: Change in 401K due to employer change
Replies: 17
Views: 825

Re: Change in 401K due to employer change

If the choices aren’t terrible, either leave the old 401k plan in place or rollover to the new 401k plan. Never to an IRA. There are also Asset Protection reasons to consider when deciding to move money out of the 401k plan. 401k plans are ERISA protected, and the creditor protections are absolute....
by deltaneutral83
Thu May 30, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2233

Re: For Sale by Owner or RE Agent???

FSBOd twice. Could not believe how easy it was and delighted at the money saved. But I think a lot depends on the state you live in. But you don't know how much more you would have gotten had you hired an agent. We all speculate which way is better but I sure would hire an experienced and aggressiv...
by deltaneutral83
Thu May 30, 2019 7:33 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5446

Re: Jim Cramer

Cramer has stated he thinks people need to buy index funds with retirement money and "mad" money is a small portion to lose money on single stocks and watch his show. His TV show is choreographed entertainment like professional wrestling. Don't know why people would watch it unless you understand it...
by deltaneutral83
Wed May 29, 2019 4:09 pm
Forum: Investing - Theory, News & General
Topic: Are people buying VTI today or waiting for a bigger drop in June
Replies: 30
Views: 3552

Re: Are people buying VTI today or waiting for the bigger drop in June

OP, you stated the drop in June as a fact. Let me know when that will be please, thanks. Lot's of chatter about this date: June 28-29 The G20 Osaka Summit will be held on June 28-29, as well as relevant ministerial meetings in eight cities in 2019. Who knows. I guess we will check back in a month.....
by deltaneutral83
Wed May 29, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: Are people buying VTI today or waiting for a bigger drop in June
Replies: 30
Views: 3552

Re: Are people buying VTI today or waiting for the bigger drop in June

OP, you stated the drop in June as a fact. Let me know when that will be please, thanks.
by deltaneutral83
Tue May 28, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: "Soft" question on student loans
Replies: 72
Views: 3041

Re: "Soft" question on student loans

This decision partly depends on the value parents give to giving children a good start. An advisor should realize this depends on many things, including cultural background. My own opinion, as a non-parent, is that parents should get their children an undergraduate education if they can reasonably ...
by deltaneutral83
Wed May 22, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14645

Re: just a general comment about "too conservative" investors here

OP is spot on and when people were losing it over a measly 20% reduction on the S&P by 12/24/2018 I knew the lessons of 10/17/2007-3/9/2009 had been forgotten or not observed in the first place. Not so much a big deal for people with 20 years to retirement and plenty of human capital but much more s...
by deltaneutral83
Fri May 17, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 113
Views: 18681

Re: Umbrella Policy: Right amount for $7 mil net worth?

A $1M umbrella is just so insanely cheap I can't imagine not having one if you drive a car even if you had a negative net worth but projected to have one either in the near future or the long term (med student with what will be $400k in loans in year one with 10 years to break even net worth). A BK ...
by deltaneutral83
Thu May 16, 2019 3:09 pm
Forum: Personal Investments
Topic: Elderly Parent with Whole Life Insurance
Replies: 21
Views: 1555

Re: Elderly Parent with Whole Life Insurance

Nope, level term and invest the difference. Mother is in her early 90s per OP. I doubt any term is available now. I’d probably pay the $15k per year to keep the policy in force, or pay the next 3 premiums from the cash value. That price seems reasonable for the death benefit on a woman in her 90s I...
by deltaneutral83
Thu May 16, 2019 2:24 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 346
Views: 169794

Re: Staying the course

Looks like it really validates what's been preached over the forum for so many times, that one who got out of market never know when to get back in. And when they did, it's always higher than their initial price. Thank you for sharing =) These memories are golden for young punter like me who have n...
by deltaneutral83
Thu May 16, 2019 2:15 pm
Forum: Personal Investments
Topic: Elderly Parent with Whole Life Insurance
Replies: 21
Views: 1555

Re: Elderly Parent with Whole Life Insurance

Nope, level term and invest the difference. Run the numbers for yourself. Can also doll out $15k a year to each heir(s) to reduce estate. Seems like if it's a traditional WL policy, it's worth keeping till the end. I'm not sure the BTIR works later in life. I checked https://www.term4sale.com/ and ...
by deltaneutral83
Wed May 15, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Regulate Office Temperature
Replies: 31
Views: 2216

Re: Regulate Office Temperature

Looking for advice on what to purchase.. Is there anything out there, besides a fan, that can cool down an office that does not have any windows? Our floor is kept at 75 degrees in the summer, and 76 in the winter. I've looked into AC units that don't require a window, but they say they are best us...
by deltaneutral83
Wed May 15, 2019 1:45 pm
Forum: Personal Investments
Topic: Elderly Parent with Whole Life Insurance
Replies: 21
Views: 1555

Re: Elderly Parent with Whole Life Insurance

Yep. But no hard regrets really, it's exactly the reason one buys a policy like that in the first place. If death had occurred early on we'd be viewing the policy as a good thing. Now, maybe the payout isn't as remarkable but I still have my mom! Nope, level term and invest the difference. Run the ...
by deltaneutral83
Wed May 15, 2019 1:32 pm
Forum: Personal Investments
Topic: Is my 401K fees too high - have Pro Rata fees and Plan Service Fees
Replies: 13
Views: 458

Re: Is my 401K fees too high - have Pro Rata fees and Plan Service Fees

FYI, my wife's salary is high five figures, my salary is mid six figures if this helps in calculation. We are still below limits for ROTH contribution with modified gross income because of 401K deductions along with medical benefits, FSA, Dependent Savings account. Not eligible for HSA Direct Roth ...
by deltaneutral83
Wed May 15, 2019 1:23 pm
Forum: Investing - Theory, News & General
Topic: American Funds Propaganda. Help me understand.
Replies: 25
Views: 2683

Re: American Funds Propaganda. Help me understand.

Make sure whichever active funds the "guy" is peddling don't have reinvested div's if the S&P doesn't. That's usually rule # 1 for me.
by deltaneutral83
Wed May 15, 2019 11:05 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 346
Views: 169794

Re: Staying the course

why didn't I all in at dow 8500? Because the Dow went to 6,600 in March 2009 before it bounced back and if you don't know how an additional 22% fall feels like after a prior massive fall, well....Several people who pulled the plug at 9k would have had fabulous and numerous opportunities to get back...
by deltaneutral83
Wed May 15, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7342

Re: Dividends almost Doubled between 2013 and now

I am not 100% sure where you are coming from but it sounds like you are suggesting that you feel companies that declare larger div's are just better off (in terms of total ROI) in general than companies that do not distribute div's or distribute a lower % of divs???? See? You're just showing what a...
by deltaneutral83
Wed May 15, 2019 9:52 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7342

Re: Dividends almost Doubled between 2013 and now

You do realize you have the ability to "declare" your own dividend anytime you wish and sell off shares if you owned BRK if dividends are your fancy (and at capital gains rates most likely)? When the company declares a dividend on a schedule you have no choice and it is taxed at whatever rate. I li...
by deltaneutral83
Wed May 15, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7342

Re: Dividends almost Doubled between 2013 and now

It's not that people here don't like dividends, they just realize that they are nothing more than taking a couple bucks out of your right pocket and putting it in your left pocket (and possibly paying taxes on it). That's your take. If it stays in your right pocket, it's your cash but someone else ...