Search found 149 matches

by tindel
Tue Aug 20, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Value of continuing education later in career
Replies: 13
Views: 1065

Re: Value of continuing education later in career

CE is what you make of it. Just like everything else. My megacorp has been pretty easy to get started on the continuing ed courses. Talked with HR - and they said, "As long as your manager approves it, we'll approve it." Talked to my manager - she said she'd approve the courses I wanted to take. Fil...
by tindel
Sat Aug 03, 2019 12:27 pm
Forum: Personal Investments
Topic: disbursement from a old 401k
Replies: 5
Views: 317

Re: disbursement from a old 401k

Oh, and I'm past the 60 days. I just realized I received the check several weeks after they cut the check. :oops:
by tindel
Sat Aug 03, 2019 12:22 pm
Forum: Personal Investments
Topic: disbursement from a old 401k
Replies: 5
Views: 317

Re: disbursement from a old 401k

I thought about that too, but I don't have a tIRA. It makes it easier to do backdoor Roth in the future (since it's very clear that I have 0 balance in tIRA). I'm not quite to the point that I will need to backdoor, but probably will be in the next year or two. I guess that's my second best option t...
by tindel
Sat Aug 03, 2019 12:11 pm
Forum: Personal Investments
Topic: disbursement from a old 401k
Replies: 5
Views: 317

disbursement from a old 401k

I recently received a disbursement from an old 401k of about $180. This was from a previous employer who is no longer in business. Apparently ADP (our payroll company) did an audit and found that I was due this money into my 401k (Voya). The check stub says that the check is eligible for a rollover ...
by tindel
Mon Jul 15, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2208
Views: 231342

Re: U.S. stocks continue to soar!

Many companies are cutting benefits and employees at a time when S&P500 is at an all time high. These things are not unrelated. During the dot com bubble when stocks were going crazy, I used to get multiple calls from recruiters every week. We are not even close to that kind of a boom right now. So...
by tindel
Mon Jul 15, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to Denver
Replies: 9
Views: 1407

Re: Relocation to Denver

Just FYI - it took us about 5 years to catch up with the cost of living here. It took 10 years until we felt comfortable. I moved here at 25, my wife was 26. We love it here, but boy is it expensive! We moved here in the summer of '07 from the Houston area. We wouldn't have gotten to where we are wi...
by tindel
Sun Jul 14, 2019 7:15 pm
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5771

Re: Phase out EF?

Have you considered I-bonds for your e-fund? I-bonds are basically short bonds. We decided to put 6 months of our 12 month EF in I-bonds. They never lose value. Taxes are deferred until you pull the funds. They are indexed to inflation in addition to a small fixed rate (currently 0.5%). I consider t...
by tindel
Wed Jul 10, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2208
Views: 231342

Re: S&P 500 hit 3,000 today

And I put in a buy order last night on a total market fund. :oops: Here's to a '95 style bull! Question: Someone mentioned that lowering the fed rate increases investment income. Don't people investing want higher rates or returns? I would think that lowering the rate would lower investment income. ...
by tindel
Fri Jul 05, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Buying a suit
Replies: 35
Views: 2403

Re: Buying a suit

Before buying a suit, make sure you need a suit. I've been going to interviews in a sports coat, button up long-sleeve shirt and blue jeans. I mix it up with a tie or cufflinks, but not both. This is my standard atire these days on any sort of business occasion. You mentioned working in a tech compa...
by tindel
Sat Jun 29, 2019 12:24 am
Forum: Investing - Theory, News & General
Topic: 10 Year Treasury Under 2%
Replies: 45
Views: 5845

Re: 10 Year Treasury Under 2%

What does this tell us? It tells us that longer-term bond buyers believe that shorter-term bond rates will fall. It tells us that shorter-term bond buyers believe that longer-term bond rates will rise. If longer-term bond buyers were eschewing shorter-term bonds wouldn't it be because they think sh...
by tindel
Wed Jun 26, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: 10 Year Treasury Under 2%
Replies: 45
Views: 5845

Re: 10 Year Treasury Under 2%

What does this tell us? It tells us that longer-term bond buyers believe that shorter-term bond rates will fall. It tells us that shorter-term bond buyers believe that longer-term bond rates will rise. Who's right? My crystal ball is broke. The yield curve is somewhat inverted, signaling that a pot...
by tindel
Tue Jun 25, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: I-bonds vs Ally
Replies: 9
Views: 1514

Re: I-bonds vs Ally

TIPS have a similar protection but only at the time of maturity. I Bonds can be redeemed at any time up to 30 years (except the first year and penalty if before 5 years) so they get this benefit all the time without having to hold to a specific maturity date. I wonder if this is a reason to hold in...
by tindel
Tue Jun 25, 2019 8:14 pm
Forum: Investing - Theory, News & General
Topic: I-bonds vs Ally
Replies: 9
Views: 1514

Re: I-bonds vs Ally

Another thing about Ibonds that is better than other fixed-income investments, IMHO, is that Ibonds are deflation protected. If we have a deflationary period - your money won't lose value. This isn't a great benefit with a 0.5% fixed rate (deflation would need to be more than -0.5%), but at lower fi...
by tindel
Tue Jun 25, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 26
Views: 2636

Re: Dollar General

My experience is that all of these dollar-whatever stores have knockoff product of high end products. A good example is their shampoos. Sure, the bottle says <insert your favorite shampoo brand here> and it priced at bargain bin prices, but it is either watered down or the formula isn't quite right...
by tindel
Tue Jun 25, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 26
Views: 2636

Re: Dollar General

My experience is that all of these dollar-whatever stores have knockoff product of high end products. A good example is their shampoos. Sure, the bottle says <insert your favorite shampoo brand here> and it priced at bargain bin prices, but it is either watered down or the formula isn't quite right ...
by tindel
Thu Jun 20, 2019 7:51 am
Forum: Personal Investments
Topic: AA review - With a nod to 2008
Replies: 12
Views: 1549

Re: AA review - With a nod to 2008

It sounds like you’re getting on track with this new information! Good job buckling down and massively increasing your savings rate! Kept this up, and you will have 600k in just contributions in 10 years. If we assume the market doubles every 10 years at a 7% return, you’re looking at 1.2m+ in 10 y...
by tindel
Wed Jun 19, 2019 11:56 pm
Forum: Personal Investments
Topic: AA review - With a nod to 2008
Replies: 12
Views: 1549

Re: AA review - With a nod to 2008

Here's a link to a spreadsheet that implements a rational approach to retirement savings and withdrawals, taking into account retirement horizon, asset allocation, and pensions (like Social Security). I suggest to download the VPW Accumulation And Retirement Worksheet and entering the appropriate d...
by tindel
Wed Jun 19, 2019 11:53 pm
Forum: Personal Investments
Topic: AA review - With a nod to 2008
Replies: 12
Views: 1549

Re: AA review - With a nod to 2008

Thanks for the input folks - this is helpful. After taxes, I'm looking at ~$120k. This is the second year we've had this much income - previous years have been somewhat lower - about $125k Gross. We saved $51.5k last year - not counting my company match - and we're on track to do the same again this...
by tindel
Wed Jun 19, 2019 6:57 pm
Forum: Personal Investments
Topic: AA review - With a nod to 2008
Replies: 12
Views: 1549

Re: AA review - With a nod to 2008

tindel: Your first and most important decision is your stock/fixed-income allocation. It determines your expected return and expected risk. Use this link for help: https://personal.vanguard.com/us/FundsInvQuestionnaire?cbdInitTransUrl=https%3A//personal.vanguard.com/us/funds/tools When you have mad...
by tindel
Tue Jun 18, 2019 8:17 pm
Forum: Personal Investments
Topic: AA review - With a nod to 2008
Replies: 12
Views: 1549

AA review - With a nod to 2008

I've been reading about the 2008 financial crisis in this thread and this thread . Sobering to say the least. It's had me thinking about our own personal finances and AA and how I would have weathered that storm. I'm incredibly grateful to those that have been willing to share their experiences (esp...
by tindel
Thu May 16, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: How do you treat I Bonds in AA?
Replies: 7
Views: 765

Re: How do you treat I Bonds in AA?

Thank you, makes sense Imho there is a big difference between MM and bond fund btw I personally consider my I-bonds to be "Bonds" within the "Fixed Income" portion of my portfolio. I also consider my MM funds and very short (<13week) T-bills to be part of the "Cash" portion of my portfolio. I do th...
by tindel
Thu Apr 18, 2019 9:48 pm
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 13465

Re: Consensus on I Bonds for 2019?

Buy I-bonds with purpose! I want half of my EF to be inflation protected... I-bonds seemed like a logical solution for me. I'm finishing off my purchase for the year in April. I will start my wifes in July, just like we planned... boring investing. We also consider our I-bonds part of our bond alloc...
by tindel
Thu Apr 18, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Electric smoker
Replies: 26
Views: 1369

Re: Electric smoker

I've been using my steel Akorn Komodo for about 3 years now. I cooked a 9lbs brisket on it last weekend. 250 low-n-slow. It turned out good! Mostly charcoal and some wood chunks in it for whatever I'm making. It was about $300 and a ceramic my need a less adjustment. We've had many good meals off of...
by tindel
Tue Apr 16, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: $29 collections notice
Replies: 31
Views: 3075

Re: $29 collections notice

I disputed a $20 PT bill a while back. They ended up sending it to collections. I got a phone call or two... nothing since. Each time I held steadfast in my dispute of the bill, told them I wouldn't pay it, based on principal, and hung up the phone. The phone calls stopped coming soon after. I read ...
by tindel
Mon Apr 15, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 101
Views: 18835

Re: Do not use Personal Capital

You're not being paranoid. I dropped them a while back for similar reasons. I was also highly concerned about their website being hacked and someone gaining access to all of my account information, not to mention one bad employee could have the same malicious intent. As time goes by I have growing c...
by tindel
Thu Apr 04, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Submitting Backup Offer on Home
Replies: 35
Views: 2598

Re: Submitting Backup Offer on Home

I will say, if I see a motivated seller, I have knowingly offered more than what I thought the unit would appraise for with the expectation of slashing my offer post appraisal (with that stated as a contingency). In your case, I likely would have done this and done the exact opposite of what your r...
by tindel
Thu Apr 04, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 2685

Re: French movies on Netflix

I went through this for a while. There's simply not much French media in the US. There's some youtubes that are really ads for their more expensive courses which I wasn't willing to pay for. You can also change subtitles and audio on Netflix to have American movies be in French (but I'm not sure how...
by tindel
Thu Apr 04, 2019 1:23 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 18417

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

Adding value to the company is the key to continually working. Your manager always ranks subordinates and knows who to lay-off if necessary. Staying flexible is very important too. Bingo! My ex-boss was recently demoted and then laid-off shortly afterwards after showing he couldn't be flexible enou...
by tindel
Tue Apr 02, 2019 1:33 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10395

Re: Series I Savings Bonds Buying Opportunity

If you plan to max out your allotment and hold long term, it seems to me you should aim for best fixed rate regardless of near term composite and how it compares to other options. At least that’s what I’m doing. While I wouldn't disagree, the new composite rate will most likely be poor compared to ...
by tindel
Mon Apr 01, 2019 10:53 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10395

Re: Series I Savings Bonds Buying Opportunity

I buy I-bonds for their inflation and deflation protection on my emergency fund. It's what I consider my 4-th tier fund (Checking, High-Yield Savings, and laddered 13-week T-bills being my other e-funds). I tried posting this thread about the probabilities that the adjustable rate would at or below ...
by tindel
Sun Mar 31, 2019 9:26 am
Forum: Personal Investments
Topic: Coverdell Options after fees went up
Replies: 6
Views: 665

Re: Coverdell Options after fees went up

My daughter's ESA is through Schwab as well - no fees other than transaction fees and expense ratios. I think you can invest in any ESA so long as you don't go over the maximum for the SSN for the year. (I think it's $2k for 2018 and 2019) You could even contribute $400 to 5 different ESA's if you'd...
by tindel
Fri Mar 29, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Passed Over For Promotion for Being too Good at My Job
Replies: 55
Views: 6039

Re: Passed Over For Promotion for Being too Good at My Job

2 weeks pass and the job has not been posted yet, and I hear that their boss is chatting up people with less experience and worse performance for the role. I talk to my boss about it and they tell me that their boss is afraid to lose my productivity and so they are searching far and wide to fill th...
by tindel
Thu Mar 21, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 6078

Re: Do you still wear a necktie to work?

I've started wearing a sports coat, button-down shirt, skinny necktie, sunglasses, and blue jeans to interviews. I've had 4 offers dressed this way. When at work, I wear a button down shirt, tucked in, most days. An occasional polo or sweater makes an appearance on down days. I do dress nicer than t...
by tindel
Tue Mar 19, 2019 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Picking between two job offers...
Replies: 12
Views: 1423

Re: Picking between two job offers...

#2 might be interesting for the security clearance. Once you have that, a lot of government and high-price contractor options open up. It's difficult to get a job to sponsor a security clearance, but having one can pay off many times over. This. Having a security clearance opens many doors and incr...
by tindel
Mon Mar 18, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 2079

Re: Visiting Tucson, AZ for 3 days - what to see?

The Titan missile silo!
by tindel
Mon Mar 18, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Housing should be no more than 28% of your income.
Replies: 66
Views: 6467

Re: Housing should be no more than 28% of your income.

Actually, the rule of thumb if you do some Googling is 30%. We did 45% at one point, knowing income would grow. Our first house was around 30% and was tight, but manageable. Our second house was about 40% also 'knowing that our income would grow'. Income didn't grow nearly as fast as we had hoped (...
by tindel
Wed Mar 13, 2019 2:02 am
Forum: Investing - Theory, News & General
Topic: Six Sigma Analysis and Ibonds
Replies: 4
Views: 854

Six Sigma Analysis and Ibonds

Today (well, yesterday now) the CPI-U index was released for February - which isn't really big news, but it gives a new data point into what the inflation portion of the I-bond rate will be in the next cycle. Since I'm studying for my Lean Six Sigma Green Belt cert, I wanted to attempt to merge my n...
by tindel
Sat Mar 09, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 4266

Re: Garbage Disposal: So many choices out there. How do you decide which one?

I bought a dual stage insinkerator a while back and it worked great, but needed a little bit of plumbing changes due to not being completely compatible with the badger that was in there. But it was TOTALLY worth it... Ultra quiet and did an awesome job as far as I could tell. If I recall it was abou...
by tindel
Wed Mar 06, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Career: How to determine if new job will lead to more salary growth in the long term vs. current job?
Replies: 7
Views: 770

Re: Career: How to determine if new job will lead to more salary growth in the long term vs. current job?

I've learned to give out the number first, but never right away, and usually very late in the process. I want them to be salivating for my skill set first. My initial offer is always high (Currently about 10% more than most websites say I should be making at the 75th percentile (base+bonus)). But I ...
by tindel
Fri Mar 01, 2019 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 9006

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

I am going in as a W2 hourly contractor. The rates they are paying are $100/hr. Keep in mind, this is just base pay. If I work OT (at 1.5x), I'll be earning $150/hr. My salary range will probably be anywhere between $200K/yr to $300K/yr, depending on how much OT I work, which there is a lot of righ...
by tindel
Fri Feb 22, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer - 24 Hours to Decide?
Replies: 100
Views: 7656

Re: Job Offer - 24 Hours to Decide?

Let's say you have accepted an offer with a prospective employer and you have turned in your resignation with your current employer who subsequently walks you out the door and wishes you well with the new job. A few days before your start date your soon to be employer calls up and says that they ha...
by tindel
Thu Feb 21, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer - 24 Hours to Decide?
Replies: 100
Views: 7656

Re: Job Offer - 24 Hours to Decide?

If you accept now and do not join later, what harm can it cause? It is definitely unethical ... How on earth is this unethical? It might not win you brownie points with the people involved in the future, but taking an offer, only to find out a week later that you have a better opportunity somewhere...
by tindel
Mon Feb 18, 2019 12:43 pm
Forum: Personal Investments
Topic: Portfolio for young professional
Replies: 27
Views: 2719

Re: Portfolio for young professional

You're asking for advise and then refuting it... Classic EE problem - especially young engineers with a lot of learning, but no education. :oops: Stop replying and start rereading. :sharebeer Regarding tax efficiency in taxable - total stock is a backup for after you've maxed out tax advantaged acco...
by tindel
Mon Feb 18, 2019 1:46 am
Forum: Personal Investments
Topic: Portfolio for young professional
Replies: 27
Views: 2719

Re: Portfolio for young professional

$100K at 25 is HUGE... Nice salary for your age too. Congrats on graduating with no student loans (assumption on my part). Well done. How are you living on $25k in MA? Seems really low to me. Seems like that should be your yearly rent - especially if in Boston or its suburbs. I'd suggest optimizing ...
by tindel
Mon Feb 18, 2019 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 431
Views: 63076

Re: Losing a job in your 50's...

What is actionable and what I did when hit with the layoff news... • Found out when my final paycheck was and had HR immediately switch my 403b contributions so I could hit the max plus catch ups for the over age 50 crowd for the year before the final check. I knew it could be, and most likely was ...
by tindel
Tue Feb 12, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Attempting To Be Debt Free
Replies: 62
Views: 6967

Re: Attempting To Be Debt Free

Here is what I have in mind: -Pay off the credit cards within 4 to 5 months, currently making $200 monthly payment, use the saving in Bank 2 to pay them off -Use $10,000 of the emergency fund to pay off Personal Loan 2 -Use the debt avalanche to go after Personal Loan 1 and then attack Auto and Stu...
by tindel
Wed Feb 06, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 13465

Re: Consensus on I Bonds for 2019?

I was going to make a thread but I'll post my query here (I hope it's not improper to do so): If you are in your 30s-40s and have a 3 fund portfolio, does it make sense to buy the annual I-bond limits. Or is it better to invest that money in the total stock or total international Vanguard index fun...
by tindel
Wed Feb 06, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 13465

Re: Consensus on I Bonds for 2019?

Epsilon Delta wrote:
Mon Feb 04, 2019 3:28 pm
Some years ago I bought for my emergency fund. A few years later it turned out I'd locked in such a great rate it would be a crime to give it up, so I had to refund the e-fund. It is imporatant to reevaluate from time to time.
What a great problem to have! :sharebeer
by tindel
Wed Feb 06, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 13465

Re: Consensus on I Bonds for 2019?

How much is the +inflation %? Is that determined at the year you buy or at the time you redeem? Thank you. Right now the semi-annual inflation percentage is 1.16%. The treasury shows how to calculate the composite rate on this website: The inflation rate is adjusted every 6 months you hold your I-b...
by tindel
Tue Feb 05, 2019 9:31 pm
Forum: Personal Investments
Topic: Quick question about T-bills
Replies: 12
Views: 1620

Re: Quick question about T-bills

"If you want to buy another $100 t-bill you would have to arrange for that at the next auction." That's true in one approach but far from the easiest way to do things. Both Treasury Direct and Fidelity allow automatic roll into a new Treasury of the same term. This is handy because you lose a some ...