Search found 136 matches

by ImUrHuckleberry
Sat Nov 03, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8063

Re: Fully maxed out

We will fully max out in 2019 for the first time ever: * 401k ($25000 + $8100 employer)) * 403b ($19000) * Roth ($7000) * Roth ($6000) * HSA ($5500 + $1500 employer) * Pension -- non-elective ($3850 + $3850 employer) This represents saving almost 2 years of annual expenses every year, which blows my...
by ImUrHuckleberry
Fri Nov 02, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Is an MBA worth it these days?
Replies: 53
Views: 6291

Re: Is an MBA worth it these days?

I thought MBA's were starting to get bad publicity and I certainly couldn't afford a top school, so instead I went for an MSA (Operations concentration) from a local school. It's worked out very well for me (3 promotions and total compensation nearly tripled in 2.5 years) but I've also had a lot of ...
by ImUrHuckleberry
Wed Oct 31, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is it okay to use backdoor Roth if ultimately below income limits?
Replies: 20
Views: 1106

Re: Is it okay to use backdoor ROTH if ultimately below income limits?

Does a Roth conversion in any given year prevent you from putting new money into a Roth in same year, assuming you qualify otherwise?
by ImUrHuckleberry
Wed Oct 31, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Tax refunds expected to be 26% more in 2019
Replies: 52
Views: 5686

Re: Tax refunds expected to be 26% more in 2019

What's weird is I recall an article from a month or so ago saying that a certain percentage of americans hadn't withheld enough from their paychecks. Sounds like everyone should sit down and do a touch-base, which I'm sure many won't. :wink: Right now I have an $18 refund, which is as close as I ev...
by ImUrHuckleberry
Thu Oct 11, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: This Time is Different
Replies: 30
Views: 5509

Re: This Time is Different

Regardless of how much we learn, think and experience, we can only know a small slice of what's going on. Rick Ferri Yes, but it's against human nature to admit this. It could even be argued that much of what we "know" is subject to debate. The human mind/body/emotion connection apparatus is wired ...
by ImUrHuckleberry
Wed Oct 10, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth mistake
Replies: 4
Views: 671

Re: Backdoor Roth mistake

I believe that as long as you're in "safe harbor" for at least one of the various qualifying reasons, you can wait and pay taxes in April. You probably should investigate this yourself or check with your tax pro to be sure.
by ImUrHuckleberry
Wed Oct 10, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605253

Re: U.S. stocks in freefall

I was just looking at the implied open of the DJ and it went from -350 to -1200 and then right back to -370 a minute later. Anyone know what that means or if that is common?
by ImUrHuckleberry
Wed Oct 10, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use your own cards for work travel?
Replies: 16
Views: 1170

Re: Do you use your own cards for work travel?

I put everything on my AE card and submit for reimbursement. I travel enough now that I could ask for a company card, but I'm going to keep using my own until they ask me to switch. We have a pretty slick app for expense reports and receipts which makes it easy.
by ImUrHuckleberry
Wed Oct 10, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: What do you think of the Tesla craziness?
Replies: 25
Views: 2291

Re: What do you think of the Tesla craziness?

TESLA is a rich guy's toy. It will never manufacture cars that will appeal to mid income populace which is where the huge potential is. Even though Tesla 3 is advertised as $35K, average price that is sold is close to $50K. Rich people dispose their Audis and Mercedes or BMW to get Tesla but how ma...
by ImUrHuckleberry
Wed Oct 10, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: What do you think of the Tesla craziness?
Replies: 25
Views: 2291

Re: What do you think of the Tesla craziness?

i can't decide what to think about Tesla. If I read a well written bear argument, I always end up believing they will be bankrupt by the end of 2019. If I read a good bull argument, I start itching to invest because I'm sure it's going to the moon.
by ImUrHuckleberry
Mon Oct 08, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for Backdoor Roth
Replies: 14
Views: 1009

Re: Considerations for Backdoor Roth

I assume you are asking about the IRA that is "in the way" of Her back door. If you are not yet 59.5, you SHOULD pay the taxes out of savings or salary. Paying the taxes out of the IRA would be an early withdrawal which is subject to both tax and an additional 10% penalty. This can go into any Roth...
by ImUrHuckleberry
Sun Oct 07, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for Backdoor Roth
Replies: 14
Views: 1009

Re: Considerations for Backdoor Roth

Another question related to converting the tIRA to Roth: The balance of the tIRA is about $19k. Are we allowed to roll the entire balance into a Roth and pay the taxes from other sources? Or do we have to pay tax as part of the rollover transaction so that the balance going into the Roth gets reduce...
by ImUrHuckleberry
Sun Oct 07, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Case for buying individual Stocks as 10% of portfolio
Replies: 43
Views: 3280

Re: Case for buying individual Stocks as 10% of portfolio

I am a long term Index fund investor but also keep a small portion (upper limit: 10% of investments portfolio) of my investments in individual "loose" stock investments. I am very disciplined about it. My stock portfolio of about 25 stocks has done extremely well in the past decade while index fund...
by ImUrHuckleberry
Sun Oct 07, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for Backdoor Roth
Replies: 14
Views: 1009

Re: Considerations for Backdoor Roth

If the IRA is small, some people just prefer to convert it to Roth and get it out of the way. If the IRA is larger it is probably best to move it into the 403b unless the 403b options are poor. Which brings up the quality of the 403b...good low cost choices there? If not, using the back door (inste...
by ImUrHuckleberry
Sun Oct 07, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for Backdoor Roth
Replies: 14
Views: 1009

Re: Considerations for Backdoor Roth

Ok - thanks. We would have to convert it all in 2018 if we decided to do that. But it would all be taxed at the 24% rate and we're expecting to be mostly taxed in the lower brackets in retirement, so it probably doesn't make sense to do it now. (Of course, who knows what the brackets will be like in...
by ImUrHuckleberry
Sun Oct 07, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for Backdoor Roth
Replies: 14
Views: 1009

Re: Considerations for Backdoor Roth

ExitStageLeft wrote:
Sun Oct 07, 2018 3:18 pm
Another option is to do a Roth conversion on her tIRA. That would be a taxable event, so you would have to pay income tax on the amount converted.
That will contribute to MAGI the year(s) it is converted, correct?
by ImUrHuckleberry
Sun Oct 07, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for Backdoor Roth
Replies: 14
Views: 1009

Re: Considerations for Backdoor Roth

It seems one option is to roll the IRA into her 403b. I presume we need to ask the plan administrator if they accept rollovers into the plan? Or look at the paperwork she has for her plan. Most likely the 403b will accept her IRA. ok will do I'm assuming her 403b has not received any non-deductible...
by ImUrHuckleberry
Sun Oct 07, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Considerations for Backdoor Roth
Replies: 14
Views: 1009

Considerations for Backdoor Roth

Both my wife and I have done well in recent years and find ourselves facing the fortunate "problem" of likely exceeding the MAGI income limits for Roth contributions sometime in the next 1-2 years. We already max 401k, 403b and HSA and I don't see any other obvious ways to reduce our MAGI. Therefore...
by ImUrHuckleberry
Sat Oct 06, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Meat Grinder recommendation?
Replies: 11
Views: 1054

Re: Meat Grinder recommendation?

I own a Betitay meat grinder that I bought from Amazon for $80. We use it to grind beef roasts, chicken, pork, etc. from roughly 2 to 7 pounds at a time. It works great for our uses. Edit: just to add a little bit to OP's question: Easy to use? The Betitay is very easy to use once you have the grind...
by ImUrHuckleberry
Sat Oct 06, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12904

Re: What purchase saved you the most money?

Buying a modem the day I signed up for comcast (vs leasing one) probably has saved me $1000+ over the years... Here is one I wish I had done, and still haven't. Mostly due to laziness about doing the research and uncertainty about what other options for high speed internet may become available in m...
by ImUrHuckleberry
Sat Oct 06, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12904

Re: What purchase saved you the most money?

I usually focus on not spending money to grow my net worth but there are some purchases that save you more than their cost. My friend and I purchased hair clippers at Costco for $40 2 years ago and have buzzed each other's hair since. My cost: $20. Has saved me $240 in haircuts so far. What purchas...
by ImUrHuckleberry
Sat Oct 06, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: 7 Investing Truths That Aren't
Replies: 53
Views: 5982

Re: 7 Investing Truths That Aren't

Investing doesn't have to be complicated, but I fail to see why we reducing it to the level of third grade understanding is worthwhile. If that was truly the optimal solution, then 95% of what goes on in this forum is counter-productive. We should just tell everyone to invest everything in low cost...
by ImUrHuckleberry
Sat Oct 06, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Long or medium bonds
Replies: 88
Views: 5750

Re: Long or medium bonds

The bottom line IMHO is that ALL investors should attempt to match the duration of their bond allocation to their investment horizon. Investors who are still accumulating assets during their working years (and have the majority of their portfolio in equities) can probably do so safely with nominal ...
by ImUrHuckleberry
Sat Sep 29, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14986

Re: Should we stay in Crazytown because there's no where to run?

People were saying the same thing 5 years ago and 4 years ago and 3 years ago...
by ImUrHuckleberry
Wed Apr 25, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605253

Re: U.S. stocks in freefall

Now I feel like I got ripped off on my 2.95% 15-year term in 2012.
by ImUrHuckleberry
Tue Apr 24, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Fun Money
Replies: 45
Views: 3375

Re: Fun Money

There seems to be some cognitive dissonance here. Can anybody explain this to me??? Am I missing something? How can the need to squeeze every penny out of your fund and obtain market returns be consistent with gambling 1/10th of your portfolio? Based on everything I’ve read and understand, you shou...
by ImUrHuckleberry
Sun Apr 22, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 6472

Re: How long have you been unemployed?

Started working in 1979 at age 10 with a paper route. Was unemployed once around 1991/1992 for about a year, and then in 2013-2015 for 2.5 years. (After 1.25 years of constant rejection decided to stop looking and went back full time for my MS and got a great job soon after graduating.) In addition ...
by ImUrHuckleberry
Fri Apr 06, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 8011

Re: Your Monthly Cost of Living

What is your total monthly cost of basic living? 1. Housing: rent/mortgage/utilities 2. Transportation: car, insurance, license, registration, gas, maintenance 3. Food: groceries, restaurants 4. Other Not including fun stuff, entertainment, hobbies, or travel 1. $1750 mortgage, insurance, taxes, wa...
by ImUrHuckleberry
Fri Apr 06, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 4477

Re: How often do you replace your office shoes?

I have a pair of black, burgundy, and grey.

Black ones get the most use and last about 1.5 years, 2-3 years for the burgundy, and the grey pair might last 5 years since I only wear them with jeans which I don't often wear to the office.
by ImUrHuckleberry
Fri Apr 06, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6760

Re: Are we in bear territory?

munemaker wrote:
Fri Apr 06, 2018 3:00 pm
Keepcalm wrote:
Fri Apr 06, 2018 1:56 pm
How close are we to a 20 point drop? And what range of months does it require that 20 point drop to be within? Where are we at now?

Thanks.
No, we are not in bear territory. Not even close.
Just about halfway.
by ImUrHuckleberry
Sat Mar 31, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 19857

Re: Are we missing recession /bear market beginning

@md&pharmacist

I think most probably don't believe you but they're just trying to be polite. I'll own up to that being my opinion in any case.
by ImUrHuckleberry
Sat Mar 31, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 42
Views: 3654

Re: compression sack for sleeping bag, help with calculations please

One can buy bags and jackets with down treated to be hydrophobic, so that it is just like synthetic when it comes water and just like down when it comes to weight, loft, and compressibility. Does it work? Does it work long-term? Why not do that to all down bags? Why does anyone buy synthetic bags? ...
by ImUrHuckleberry
Sat Mar 31, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 5415

Re: Tired of gas grills rusting out...

Nexgrill stainless if you want a decent grill at a price point below Weber.

And from what I've read and my own experience, covering a grill may cause it to it rust out faster.
by ImUrHuckleberry
Mon Mar 26, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 13922

Re: Seasoned bogleheads repressing the thought of lower expected returns

Come on. Shouldn't you know by now? A person can only be unemployed for 6 months as per unemployment statistic. Beyond 6 months, you are classified as unemployable and no longer part of the unemployment statistic. This is why the peak of the graph can never exceed 26 weeks. None of the above is act...
by ImUrHuckleberry
Mon Mar 26, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 13922

Re: Seasoned bogleheads repressing the thought of lower expected returns

Are you prepared for the next recession? A) What is your AA? B) What is the size of your emergency fund? KlangFool A) Something close to 75/25 with some weird rules that would take this thread too far off topic if I got into them. B) Not big enough. We're still recovering and trying not to waste re...
by ImUrHuckleberry
Mon Mar 26, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605253

Re: U.S. stocks in freefall

LadyGeek wrote:
Mon Mar 26, 2018 10:17 pm
The thread will stay open.
ucla-engineer wrote:
Mon Mar 26, 2018 9:30 pm
#6000!!!
Actually, it's post #6043 for you.

The right side of the page, just to the left of the page numbers, contains the total post count.
========

Let's stay focused on investing.
It says 6004 after your post for me.

Edit: and now 6005 after my post.
by ImUrHuckleberry
Mon Mar 26, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 13922

Re: Seasoned bogleheads repressing the thought of lower expected returns

Do you have any statistics showing how long people were unemployed during the last recession (i.e. 50th percentile, 25th, 75th)? They aren't broken out into percentiles like that but all the numbers are available at FRED here: https://fred.stlouisfed.org/categories/32451 Unemployment during the 200...
by ImUrHuckleberry
Mon Mar 26, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 13922

Re: Seasoned bogleheads repressing the thought of lower expected returns

I was unemployed for 2 years and 5 months during the initial recovery to the Great Recession, and despite having a 75/25 portfolio and a working spouse we still lost much of our retirement savings. As Will said, you can't protect against all tail risks. (We also did not have a large enough emergency...
by ImUrHuckleberry
Sun Mar 25, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 13922

Re: Seasoned bogleheads repressing the thought of lower expected returns

Are seasoned bogleheads on this forum repressing the prospect of hardly positive real returns for the next decade, because its painful to acknowledge? No need to repress anything, it's a market and markets go up and they go down... and sometimes for extended periods. Younger Bogleheads in accumulat...
by ImUrHuckleberry
Sun Mar 25, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 13922

Re: Seasoned bogleheads repressing the thought of lower expected returns

Are seasoned bogleheads on this forum repressing the prospect of hardly positive real returns for the next decade, because its painful to acknowledge? No need to repress anything, it's a market and markets go up and they go down... and sometimes for extended periods. Younger Bogleheads in accumulat...
by ImUrHuckleberry
Sat Mar 10, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 19767

Re: Books that have actually changed your life, in a way.

Feeling Good (cognitive therapy which got me over depression as a teen/young adult) Touching The Void (set me off on a path of rock and ice climbing for over 20 years) The Jungle (think everyone knows what this is about) Harrington on Hold'em (set me off on my next great love after climbing, no limi...
by ImUrHuckleberry
Sat Mar 03, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Fails In Fixed Income
Replies: 25
Views: 3284

Re: Larry Swedroe: Active Fails In Fixed Income

cfs wrote:
Sat Mar 03, 2018 1:42 pm
Thank you Mister Dave for the link to the article.

Mister Swedroe is no longer participating in this forum for good reasons [our loss].

My signature applies, y gracias por leer ~cfs~
Why is that?
by ImUrHuckleberry
Wed Feb 28, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9173

Re: Physical cash

$3 in my wallet right now and probably something like $15 in change around the house and in the consoles of our cars. I spend any money in my wallet so I try not to get too much cash.
by ImUrHuckleberry
Wed Feb 28, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 20590

Re: What was your % pay raise?

I've never had an official review in 2 years at my current employer, but my salary has increased ~ 57% over those 2 years from promotions and market adjustments. My first official review is coming up.

Prior to this job I probably averaged 1.5% per year max over the last decade or so.
by ImUrHuckleberry
Wed Feb 28, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 17001

Re: How much cash do you keep at any time on checking?

$47 right now but paychecks are hitting tomorrow and Friday. By next week balance will be down to about $100.
by ImUrHuckleberry
Wed Feb 28, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4555

Re: Why have Emergency Funds?

I keep one to two months of ready cash, basically enough to pay the credit card balance and have something left over. Cash emergencies can be covered with credit card float, HELOC, cashflow from paychecks, selling from taxable, etc... An emergency is a great first step to getting your finances in s...
by ImUrHuckleberry
Wed Feb 28, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4555

Re: Why have Emergency Funds?

Sheepdog has almost 5000 posts. Maybe at least a hint on what to search for? /forum/viewtopic.php?t=25126 Thank you for the link. For posters like AlohaJoe who start history at 2010 of course everyone would be better off investing 100% in equities. Who said anything about investing in 100% equities...
by ImUrHuckleberry
Wed Feb 28, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4555

Re: Why have Emergency Funds?

So sure you can keep $40,000 in stocks in taxable instead of $20,000 to account for a possible crash at an inopportune time. But if you're not maxing all tax advantaged space first that's probably a bad idea. You're thinking about it backwards. 100% stock in taxable with no emergency fund is not th...
by ImUrHuckleberry
Wed Feb 28, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4555

Re: Why have Emergency Funds?

People that put all their savings into tax advantaged accounts? If you have an emergency fund in taxable then clearly not all of your money is in tax advantaged accounts. There's absolutely nothing preventing you from taking the thousands of dollars you call and emergency fund and buying the S&P 50...
by ImUrHuckleberry
Wed Feb 28, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4555

Re: Why have Emergency Funds?

People that put all their savings into tax advantaged accounts? If you have an emergency fund in taxable then clearly not all of your money is in tax advantaged accounts. There's absolutely nothing preventing you from taking the thousands of dollars you call and emergency fund and buying the S&P 50...