Search found 90 matches

by tindel
Tue Jan 22, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: wife seeking new job to escape megacorp hell
Replies: 56
Views: 4791

Re: Help needed: wife seeking new job to escape megacorp hell

My experience is that megacorps suck. Maybe 50 years ago they were awesome, but not today. They keep dangling the carrot... most people bite because they don't want to have to go through the work of finding a new job. Very few people are truly valued in megacorps and it usually involves a lot of br...
by tindel
Tue Jan 22, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: wife seeking new job to escape megacorp hell
Replies: 56
Views: 4791

Re: Help needed: wife seeking new job to escape megacorp hell

My experience is that megacorps suck. Maybe 50 years ago they were awesome, but not today. They keep dangling the carrot... most people bite because they don't want to have to go through the work of finding a new job. Very few people are truly valued in megacorps and it usually involves a lot of bro...
by tindel
Sun Jan 20, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6335

Re: Paying thousands per ticket to attend the NFL Super Bowl?

If I had the money, or other means to get in, I'd go. I got an opportunity to go to the World Series a couple years ago. Saw game 5 Astros vs Dodgers. Best game I've ever seen... any sport - and I've been fortunate to see some incredible games. I didn't spend a dime on the seats - neither did my bro...
by tindel
Thu Jan 17, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 853
Views: 45154

Re: John Bogle has died at age 89

First book on investing I ever read was "Common Sense on Mutual Funds". Thank God I picked up a good book on the first try! I only read the first couple chapters (It is a BIG, THICK book), that's all I needed to be convinced that I couldn't beat the market over the long term and that fees were a sig...
by tindel
Tue Jan 15, 2019 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage: 15 vs 30 year
Replies: 58
Views: 4397

Re: Mortgage: 15 vs 30 year

For us it's about practicality. Most people live in a home for 8-12 years right now (depending on the source you read). With a 15 year loan, you're going to have a decent amount of equity in your home after 8-12 years and paid less interest. In contrast with a 30 year loan, you've paid a ton of inte...
by tindel
Thu Jan 10, 2019 9:56 am
Forum: Investing - Help with Personal Investments
Topic: AA Conundrum - Cash vs Bonds
Replies: 6
Views: 653

Re: AA Conundrum - Cash vs Bonds

Well, I found this post: https://www.bogleheads.org/forum/viewtopic.php?t=217262 It talks a lot about my conundrum. It seems that there are as many opinions as [expletive]. Which doesn't help me figure out what to do. Up until this point I've considered my Ibonds to be part of my bond portfolio. I'm...
by tindel
Thu Jan 10, 2019 12:18 am
Forum: Investing - Help with Personal Investments
Topic: AA Conundrum - Cash vs Bonds
Replies: 6
Views: 653

AA Conundrum - Cash vs Bonds

I have a desired AA of 60/20/20 - US Stock/US Bond/Int'l As I've matured in my investing I've continued to realize that all of my assets are part of my AA. Including cash. So if I include my emergency fund in my AA as cash then I'm holding ~20% of my assets in cash. So I started thinking about consi...
by tindel
Mon Jan 07, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Bank
Replies: 2
Views: 232

Sallie Mae Bank

I've been looking at Sallie Mae Bank tonight. Current Yield on their Money Market is 2.2% Slightly higher than my current savings account, and I would get check writing ability. The downside is that transfers and deposits take forever to post - 5 business days for amounts <= $5k, 10 business days fo...
by tindel
Mon Jan 07, 2019 12:06 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20289

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Just another vote of encouragement. I was there - had a home that was ~50% of our take home that was huge and expensive, two beater cars, and $40k in student loan debt. It took about 3 years to dig out of that hole. But we did it. Just takes a lot of careful evaluation of your circumstances and comm...
by tindel
Tue Jan 01, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 233054

Re: Share your net worth progression

Age Year NW YoY Comments 30 2011 -5k N/A (WAG - I didn't start tracking until March of 2011) 31 2012 45k N/A 32 2013 125k 177% (really good all around year, investments, debt paydown, and house appreciation) 33 2014 250k 100% (Ridiculous house appreciation +23.6% ) 34 2015 305k 22% 35 2016 370k 21.3...
by tindel
Sun Dec 30, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 233054

Re: Share your net worth progression

These are always kind of fun threads for a little humble bragging. This year a little less braggy and more humbling. Our 60/20/20 stock/int'l/bond portfolio return is -6.13% for the year. Home value is up +12.8% . Networth is up +24.5% due to a solid savings rate. (~50%) Also noticed this months mar...
by tindel
Fri Dec 21, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

I-bonds are the only investment that I'm aware of that *guarantees* protection from *both* inflation and deflation. The deflation protection simply means that the composite rate cannot go below 0% - i.e. your investment cannot lose value. Meaning that higher fixed rate I-bonds are not as good as low...
by tindel
Sun Dec 16, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4447

Re: Why I use Roth for bond instead of stock. Please correct me...

I was not trying to suggest that bonds should go in taxable (I think the title of the article is poor...), but rather to highlight that stock goes in Roth! I personally believe bonds should go in tax-deferred accounts. I think you're reading too far into the article as well. Read it, sit back, and ...
by tindel
Sun Dec 16, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Schwab to another bank
Replies: 36
Views: 1842

Re: Moving from Schwab to another bank

Why not have a local Credit Union with national affiliations for brick and mortar services AND a Schwab bank account? Setup online transfers between the two; best of both worlds I'd think.
by tindel
Sun Dec 16, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Colorado Stable Value Plus only 2.49% in 2019
Replies: 7
Views: 1088

Re: Colorado Stable Value Plus only 2.49% in 2019

VBIPX - Short-term Bond - Current duration is 2.5 years, YTM 3.12%, 30-day SEC 3.08% VBIPX has much more risk than your current investment which has a guaranteed return. Many people with your investment timeline would be comfortable with this risk. Just make sure you understand the additional risk. ...
by tindel
Sun Dec 16, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Strange [job] interview- what do you think?
Replies: 35
Views: 3616

Re: Strange interview- what do you think?

I'm confused. Did you get an offer? If not, none of this matters and we're just talking. Depending on how far along you are in your career ... This feels like more work than dating. What is the magic number of days that should elapse between final interview and offer to satisfy you? When do you cal...
by tindel
Sat Dec 15, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2605

Re: Annoyingly Expensive HP Ink Cartridges

We just bought a Brother all-in-one color laser printer in hopes that it works a bit better and ultimately the toner is cheaper. Startup cost was a little over $300. Toner is more expensive, but doesn't dry out. We don't use the printer a whole lot so ultimately we're hoping this printer is a bit c...
by tindel
Sat Dec 15, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Strange [job] interview- what do you think?
Replies: 35
Views: 3616

Re: Strange interview- what do you think?

I'm confused. Did you get an offer? If not, none of this matters and we're just talking. Depending on how far along you are in your career and what industry you're in, I think it's potentially a bit short for an interview. It's possible that they just weren't that into you but needed to know that th...
by tindel
Sat Dec 15, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Raspberry pi or starting an 11 year old with programming
Replies: 21
Views: 1735

Re: Raspberry pi or starting an 11 year old with programming

I don't like the pi or arduino for this age group. I like more complete platforms. I like the following things for this age group. www.sphero.com - the little ball is great and can be customized to do many things. It has LED's, motors, sound (through a cell phone), and can be programmed in three way...
by tindel
Sat Dec 15, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2605

Re: Annoyingly Expensive HP Ink Cartridges

We just bought a Brother all-in-one color laser printer in hopes that it works a bit better and ultimately the toner is cheaper. Startup cost was a little over $300. Toner is more expensive, but doesn't dry out. We don't use the printer a whole lot so ultimately we're hoping this printer is a bit ch...
by tindel
Sat Dec 15, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Colorado Stable Value Plus only 2.49% in 2019
Replies: 7
Views: 1088

Re: Colorado Stable Value Plus only 2.49% in 2019

52 week Treasury bill was only 2.726% at the last auction. Are you that worried over a 23.6 basis point difference? Have you looked for better stable value funds? Looks like CO has a MMF available through vanguard. The website isn't clear about the current yields - or what MMF it is invested in to k...
by tindel
Sat Dec 15, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4447

Re: Why I use Roth for bond instead of stock. Please correct me...

You may find this article intriguing: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ Some comments about that. 1. The comparison is not using bonds with the same risk profile in tax-qualified and taxable spaces. Muni bonds have call provisions which will reduce return. Some o...
by tindel
Sat Dec 15, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4447

Re: Why I use Roth for bond instead of stock. Please correct me...

A general approach I've taken (YMMV) In order of importance, IMHO: 1. Short Term Bonds (cash, CD's, Tbills, etc) go in taxable until you hit a comfortable (for you) emergency fund.* 2. Stocks go in Roth and HSA's first for tax-free growth. 3. Intermediate and Long Bonds go in traditional retirement...
by tindel
Wed Dec 12, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: Schwab Distribution
Replies: 4
Views: 656

Re: Schwab Distribution

@learninginvestor Thank you! I've been looking for the Ex-date everywhere! Now I know I have another week to decide if I want to TLH this year or role the dice on next year. The fund I have SWISX (Schwab Int'l) doesn't expect capital gains, but I do expect a distribution and a report of a small amou...
by tindel
Wed Dec 12, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4447

Re: Why I use Roth for bond instead of stock. Please correct me...

You may find this article intriguing: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ A general approach I've taken (YMMV) In order of importance, IMHO: 1. Short Term Bonds (cash, CD's, Tbills, etc) go in taxable until you hit a comfortable (for you) emergency fund.* 2. Stocks ...
by tindel
Wed Dec 12, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2218

Re: Hyatt Legal Plan for Will and Trust

We've had Hyatt Legal plan for several years now. We had our wills, PoA's, and living wills created with an attorney through Hyatt. We initially met with three attorney's to get a general outline of each of their experience and how they would fit with us and our personalities. We then spoke with our...
by tindel
Mon Dec 10, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 112
Views: 8406

Re: Electric bill with LED

Do they make LED lights for regular 3-way table lamps that are warm in color like traditional bulbs? I don't care for cold, blue lighting. Edit: Okay, how does this one from Amazon look? Good reviews, but who knows...Are there brands you like for LEDs? https://www.amazon.com/dp/B01CEK1O4E/ref=psdc_...
by tindel
Sun Dec 09, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 112
Views: 8406

Re: Electric bill with LED

I just finished switching my bulbs to LED. Do the math. Typically if you replace a incandescent with a LED payback is less than 1 year. If you replace a CFL it's longer, probably around 3-5 years. I needed to replace my halogen bulbs that were burnt out recently. I have 2 fixtures that previously ha...
by tindel
Fri Dec 07, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Buy I-bonds Jan 1 or May 1?
Replies: 6
Views: 787

Re: Buy I-bonds Jan 1 or May 1?

I'd buy as much as you can at the end of the month for the 2018 year. Then make decisions with whatever money you have come the end of April. Once the calendar says 2019 you can't contribute any more for 2018. Pro Tip: Buying at the end of the end of the month is best because the bond will be issued...
by tindel
Sun Dec 02, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5304

Re: Do you get a year end bonus?

One of the bigger tech bonuses I've been aware of was at Linear Technology. That was the company that nobody left for lots of reasons. They also had something like a 3 or 4 month sabbatical every 5 years. I wanted to work there so bad, but the timing was never right. I'm sure the pressure and inter...
by tindel
Sun Dec 02, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5304

Re: Do you get a year end bonus?

EE with 12 years of experience. Individual contributor at semiconductor company (megacorp). Bonus is up to 30% of salary and is based solely on company quarterly performance. Half paid in both July and December. I'm also supposed to get RSU's each year based on personal performance, but I haven't be...
by tindel
Thu Nov 29, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 19159

Re: Bogle Sounds a Warning on Index Funds

I have a couple thoughts: The article claims that if the 3 funds own 30% of the market then they will own the market. Why 30%? I'm guessing that it has to do with everyone else only owning smaller shares. Similar to a founder of a company may only own 30%, but they could still be the majority share ...
by tindel
Tue Nov 20, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: More TLH questions
Replies: 38
Views: 3135

Re: More TLH questions

Thanks folks. It appears to me that the general consensus in other threads is that if two funds track the same index, and in this case they do, then they are substantially identical. Therefore, TLH is not an option and I'd rather play it safe than cause my tax adviser more paperwork next year. I als...
by tindel
Tue Nov 20, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: More TLH questions
Replies: 38
Views: 3135

Re: More TLH questions

Did I miss something. FSPSX has 948 holdings as of 9/30/2018 https://fundresearch.fidelity.com/mutual-funds/composition/315911727 and SWISX has 942 holdings as of 9/39/2018 https://www.schwab.com/public/schwab/investing/investment_help/investment_research/mutual_fund_research/mutual_funds.html?path...
by tindel
Tue Nov 20, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: More TLH questions
Replies: 38
Views: 3135

Re: More TLH questions

Further investigation: Both of these funds state that they normally hold 80% or more in MSCI EAFE - thus both presumably track this index and are "substantially identical in my mind" The question then becomes if I hold one fund in a 401k does that contribute to a wash sale? There seems to be one vot...
by tindel
Mon Nov 19, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: More TLH questions
Replies: 38
Views: 3135

Re: More TLH questions

As long as you don't buy anything substantially identical to SWISX from 30 days before to 30 days after your sale for a loss, in any of the accounts you have, then you should be fine. Note that dividends and cap gain distributions count as buying and would result in a partial wash sale. According t...
by tindel
Sun Nov 18, 2018 1:46 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6608

Re: Ally just raised Online Savings accounts to 2% APY

I've also been using Ally for my EF for 5 years or so. I've recently started putting large portions of my EF into T-bills and I-bonds though. This change has been due to 1) rising t-bill rates, and 2) the desire to have a larger EF, but also trying to keep pace with inflation. Because of this, Ally ...
by tindel
Sat Nov 17, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: More TLH questions
Replies: 38
Views: 3135

More TLH questions

I recently bought SWISX on 8/29/18 @ $20.78. Today it is $19.08 I am considering TLH, but I also know a dividend is coming in early/mid December. I will have to pay taxes on the dividend. If I TLH before the ex-dividend date, do I have to pay any taxes? I've tried to find out when they will issue th...
by tindel
Thu Nov 08, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4848

Re: Do you prefer etfs or mutual funds?

I prefer mutual funds. Mostly because I can schedule to buy anytime. I work during trading hours. This way I can place orders in the evenings and weekends. I do this even in taxable accounts. The math I've done shows that I'll spend maybe a few hundred extra bucks on the Mutual funds each year after...
by tindel
Sat Nov 03, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Moving my 401k out of previous employer - market timing
Replies: 2
Views: 255

Re: Moving my 401k out of previous employer - market timing

A second way would be to temporarily increase the equity allocation in the current 401k during the rollover process, so that only your bond allocation (which is MUCH less volatile) is out of the market for a week or two. Bingo! This is what I hadn't considered and why I come here to ask these quest...
by tindel
Sat Nov 03, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Moving my 401k out of previous employer - market timing
Replies: 2
Views: 255

Moving my 401k out of previous employer - market timing

I've been considering moving my 401k out of my previous employer's 401k plan for many months. I recently found out that my previous employer is moving their 401k from Voya Financial to Empower Retirement. The investments are not supposed to change, just the management, and I'm guessing some of the r...
by tindel
Sat Nov 03, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 7129

Re: Engineering school

I don't deny that some of these schools are ok but my company (Bay Area, chip design) would throw in the trash resumes coming from most of them. Name IS important. That's unfortunate. Engineering was the one of the last places where your skills and abilities mattered more than the name of the schoo...
by tindel
Fri Nov 02, 2018 8:18 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 8796

Re: I Bond fixed rate = 0.5%

Is I Bond a good place to park some emergency fund? I assume it is based on what I have read so far. But someone above pointed out 1-year Treasury is yielding more and tax-free(??) But I assume that doesn't have the level of liquidity like I Bond. Is that right? Where do you guys park your emergenc...
by tindel
Fri Nov 02, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2388

Re: Europe Trip

We went to Paris in for 10 days in early April, 2017. It was wonderful. I found most of the locals friendly. We stayed in an air BnB outside of Paris proper, heading east (half way to Disney - one of our stops). We generally found the Parisians friendly, but not really interested in meeting English ...
by tindel
Sat Oct 27, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4816

Re: Vehicle recommendations for long commutes in CO mountains

Here's one: ETA: I just realized it's down the street from me. Tempting!
https://boulder.craigslist.org/ctd/d/20 ... 37740.html

And another (although it's been personalized more than I'd like).
https://denver.craigslist.org/cto/d/98- ... 63559.html
by tindel
Sat Oct 27, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4816

Re: Vehicle recommendations for long commutes in CO mountains

Honestly, in a situation where I was in the CO mountains (not the front range) I'd try to find a late 90's early 2000's Cherokee with lowish miles. 4.0L inline 6 with 4x4 and working ABS. Something like 150k miles or so. Prefer a manual transmission to an auto, but an auto would be okay too. It won'...
by tindel
Sat Oct 27, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Series I Savings Bonds
Replies: 35
Views: 3941

Re: Series I Savings Bonds

As others have pointed out, it's better to hold bonds in a tax-deferred account to help in avoiding taxes. I-bonds are a bit like a mini-401k in that the taxes can be deferred until you withdraw the funds. The interest is also state and local tax-free when you do cash them out. I keep i-bonds just a...
by tindel
Wed Oct 24, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Question about the 4% rule
Replies: 27
Views: 2482

Re: Question about the 4% rule

Have you read the trinity study?
https://afcpe.org/assets/pdf/vol1014.pdf

It's worth a quick read and a study of the tables to understand implications of the 4% rule.
by tindel
Wed Oct 24, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7792

Re: For those who paid off house - how did you do it?

After losing my job unexpectedly at age 33, I learned the value of liquidity. +1. I had a similar experience. I now gather cash like a squirrel gathers nuts for winter. I'm currently 2 years into a 15 year mortgage with an interest rate of 2.875%. I'm in no hurry to pay it off. I'd rather buy a 10 ...
by tindel
Tue Oct 23, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why are transfer limits between banks from Chase Bank limited to 10k and not to/from Ally Bank (500k)?
Replies: 4
Views: 567

Re: Why are transfer limits between banks from Chase Bank limited to 10k and not to/from Ally Bank (500k)?

I remember hearing somewhere that the Patriot Act required all foreign transfers over $10k to be reported to the US government. Since ACH transfers can go to any bank in the world (I presume - I don't have an international account), this would have increased paperwork, oversight, and ultimately cost...