Search found 51 matches

by djeayzonne
Fri Feb 21, 2020 4:17 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage reduction vs other considerations
Replies: 13
Views: 1222

Re: Mortgage reduction vs other considerations

With the goal of retiring early or simply being truly financially independent, I would want a better balance between tax-advantaged and taxable.

I would dump all in taxable and then keep doing what you're doing.
by djeayzonne
Sun Feb 09, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Becoming more reclusive as I age - is it OK to be OK with it?
Replies: 101
Views: 7104

Re: Becoming more reclusive as I age - is it OK to be OK with it?

I have Asperger's, social interaction is a chore and physically exhausting for me. I have a circle of amazing friends that I have been close with since I was in elementary school, but I am very content with the 1-week a year when I see them. My "friends" are limited to those who are willing to acco...
by djeayzonne
Sat Jan 25, 2020 7:33 pm
Forum: US Chapters
Topic: Interest In forming North Texas Boglehead Group
Replies: 35
Views: 5898

Re: Interest In forming North Texas Boglehead Group

Prosper here. Definitely interested
by djeayzonne
Fri Jan 17, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA 'employer' contributions
Replies: 5
Views: 451

Re: HSA 'employer' contributions

Ok, thanks for the quick replies. Darn, I thought I had stumbled on a nice surprise!!! Even if it HAD been contributed by your employer (some employers add to HSA’s), it still wouldn’t enable you to contribute additional money since the contribution limit is [employee + employer]. Ok, didn't know t...
by djeayzonne
Fri Jan 17, 2020 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA 'employer' contributions
Replies: 5
Views: 451

Re: HSA 'employer' contributions

Ok, thanks for the quick replies.

Darn, I thought I had stumbled on a nice surprise!!!
by djeayzonne
Fri Jan 17, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSA 'employer' contributions
Replies: 5
Views: 451

HSA 'employer' contributions

I just received my W2 after my first year with an HSA. It has an entry in box 12 with code W, which means employer contributions to HSA. However, my employer didn't make any contributions. They simply took money from my salary and deposited it into the account for me. Why are they doing this? Does t...
by djeayzonne
Thu Jan 16, 2020 1:57 pm
Forum: Personal Investments
Topic: $100K to Invest - Complete Beginner
Replies: 21
Views: 1926

Re: $100K to Invest - Complete Beginner

You are young and at the very beginning of your investing career. You should AT MINIMUM be 100% stock. You should consider leverage, but maybe not too much because you are self-employed with variable income. If I had 100k to sitting around and on-track with a plan to max out tax-advantaged space, I ...
by djeayzonne
Sat Jan 11, 2020 5:20 am
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Leveraging when young
Replies: 914
Views: 78815

Re: Lifecycle Investing - Leveraging when young

Is there anyway to also do something similar with international?

I just did a little research on my own, and it seems options on IXUS are available,
but virtually no interest and the farthest out is October of this year.
by djeayzonne
Thu Jan 09, 2020 9:11 pm
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Leveraging when young
Replies: 914
Views: 78815

Re: Lifecycle Investing - Leveraging when young

Cool. Thanks so much for being patient with me.
by djeayzonne
Thu Jan 09, 2020 3:50 pm
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Leveraging when young
Replies: 914
Views: 78815

Re: Lifecycle Investing - Leveraging when young

Ok, I think we are talking about slightly different approaches. I'm not talking about an individual call at 10:1 leverage. I'm talking about buying like one or two calls a month that is between 2:1 to 3:1 leverage continuously until you hit the target exposure. More practically, I'm considering main...
by djeayzonne
Thu Jan 09, 2020 3:13 pm
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Leveraging when young
Replies: 914
Views: 78815

Re: Lifecycle Investing - Leveraging when young

[ Either way, if you use calls alone and you keep the borrowing cost below 4%, then that limits you to about 2-3:1 leverage any ways which is what the book recommends 0_o I think this must be what I'm missing. The implication here is that buying more calls increases the borrowing cost percentage. I...
by djeayzonne
Thu Jan 09, 2020 1:25 am
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Leveraging when young
Replies: 914
Views: 78815

Re: Lifecycle Investing - Leveraging when young

1. I really don't understand the reason to sell the naked put. I understand the parity and that the implied interest is a bit less than just the call, but so what? I feel like OP just wanted to do this without having to spend any money and justified it (not an attack, just really trying to understa...
by djeayzonne
Wed Jan 08, 2020 3:09 pm
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Leveraging when young
Replies: 914
Views: 78815

Re: Lifecycle Investing - Leveraging when young

I have read this entire thread, then the book, then other things while starting to plan my strategy, and then just read this entire thread again. I have some follow up questions now that I feel I understand things a bit better. 1. I really don't understand the reason to sell the naked put. I underst...
by djeayzonne
Fri Jan 03, 2020 11:45 pm
Forum: Personal Investments
Topic: Brokerage Recommendation for Leveraged Investing
Replies: 9
Views: 793

Re: Brokerage Recommendation for Leveraged Investing

Fair enough.

I learned about every one of these ideas and available instruments exclusively from this site.

Obviously, I am satisfied with what the market provides. I'm not trying to do anything outside of it.

At any rate, would like some on-topic feedback.

Thanks
by djeayzonne
Fri Jan 03, 2020 8:08 pm
Forum: Personal Investments
Topic: Brokerage Recommendation for Leveraged Investing
Replies: 9
Views: 793

Brokerage Recommendation for Leveraged Investing

Hey everyone, I currently have most of my accounts with Fidelity. These include solo 401K, my Roth IRA, wife's traditional and Roth IRAs, HSA, and solo 401K. I converted a little over 16K of FSKAX in my Roth IRA at Fidelity to create an M1 pie to do the Excellent Adventure - Mototran Edition. Curren...
by djeayzonne
Mon Dec 30, 2019 4:53 am
Forum: Personal Investments
Topic: 24 years old - need portfolio advice
Replies: 9
Views: 567

Re: 24 years old - need portfolio advice

I would build up emergency savings to at least 20k. I don't see any point in the CDs. I would max out your IRA and 401k for 2019 (you have until April of next year). Max out all tax-advantaged space before opening a taxable account. Try to get an HSA account if you can. I would be at least 100% equi...
by djeayzonne
Tue Dec 24, 2019 2:56 pm
Forum: Personal Investments
Topic: Want to implement Lifecycle investing, but how?
Replies: 6
Views: 868

Re: Want to implement Lifecycle investing, but how?

2) Buy 4 SPY calls and sell 4 SPY puts. I explain how to pick a good strike price. This will give you an additional ~128k market exposure with “no money down” (the put pays for the call). So that’s 128k+140k=260k exposure, with 140k in ETF equity backing it up, which is approximately 2:1 leverage. ...
by djeayzonne
Mon Dec 23, 2019 1:50 pm
Forum: Personal Investments
Topic: Want to implement Lifecycle investing, but how?
Replies: 6
Views: 868

Re: Want to implement Lifecycle investing, but how?

Hedgefundie To me, it would depend I how I implemented the change. I could: 1. Sell enough to buy the desired new allocation 2. Slowly build up the new allocation by focusing on that with new money until target is reached 3. Some combination of the two 4. Borrow money at some interest rate higher th...
by djeayzonne
Sun Dec 22, 2019 3:39 pm
Forum: Personal Investments
Topic: Want to implement Lifecycle investing, but how?
Replies: 6
Views: 868

Want to implement Lifecycle investing, but how?

So, I read the book, and it makes sense to me. Although I'm not young anymore at 42, I was late to get started with investing as I spent my 20s and 30s taking risks, having adventures, and dealing with unexpected setbacks. I'm also now in the fortunate position to be able to save approximately 120k ...
by djeayzonne
Sun Dec 22, 2019 3:39 pm
Forum: Personal Investments
Topic: Want to implement Lifecycle investing
Replies: 1
Views: 301

Want to implement Lifecycle investing

So, I read the book, and it makes sense to me. Although I'm not young anymore at 42, I was late to get started with investing as I spent my 20s and 30s taking risks, having adventures, and dealing with unexpected setbacks. I'm also now in the fortunate position to be able to save approximately 120k ...
by djeayzonne
Thu Oct 17, 2019 4:59 pm
Forum: Personal Investments
Topic: Where to Put "Extra" Taxable Savings
Replies: 28
Views: 3603

Re: Where to Put "Extra" Taxable Savings

We have some I-bonds, but I never liked the Treasury Direct interface, and with the relatively low maximum annual buys, we hadn't considered EE bonds or I bonds in awhile. The trade-off of added complexity for a small benefit, in the scheme of things, made it feel not worthwhile. I will take anothe...
by djeayzonne
Thu Sep 05, 2019 1:34 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4149
Views: 346270

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I am thinking about giving this a try with a small (13%) portion of my portfolio, but currently all investment accounts are with Fidelity. With the constant rebalancing of this strategy, it seems staying with Fidelity would end up costing a lot in commissions. I am currently a Sapphire Chase custome...
by djeayzonne
Wed Aug 21, 2019 7:44 pm
Forum: Personal Investments
Topic: Finally ready to start a taxable account - Need some advice
Replies: 25
Views: 2635

Re: Finally ready to start a taxable account - Need some advice

Wow, thanks for the info and heads up. So, I was just looking around on Fidelity's website, and I found the Cost Basis Information Tracking page. Do I need to change anything on here? Right now everything is set to FIFO for Default Disposal Method. Cost Basis is set to Actual Cost for stocks/ETFs an...
by djeayzonne
Wed Aug 21, 2019 4:55 pm
Forum: Personal Investments
Topic: Finally ready to start a taxable account - Need some advice
Replies: 25
Views: 2635

Re: Finally ready to start a taxable account - Need some advice

One quirk of You Invest is that you have to send them a signed letter via secure message to have the taxable brokerage use actual cost/specID for tax lots. There are some other threads on here that talk about that. I think that one thread said that the web interface of You Invest may not have allow...
by djeayzonne
Wed Aug 21, 2019 4:38 pm
Forum: Personal Investments
Topic: Finally ready to start a taxable account - Need some advice
Replies: 25
Views: 2635

Re: Finally ready to start a taxable account - Need some advice

You Invest Trade is the one that DW and I use (joint taxable brokerage account). You can buy most of the Vanguard mutual fund admiral shares such as VTSAX and VTIAX for the $3K minimum initial investment and $1 additional investments thereafter and there are no trade fees to buy those Vanguard mutu...
by djeayzonne
Tue Aug 20, 2019 7:29 pm
Forum: Personal Investments
Topic: Finally ready to start a taxable account - Need some advice
Replies: 25
Views: 2635

Re: Finally ready to start a taxable account

Fidelity is a fine broker. FSKAX has an ER of 0.015%. Hard to beat that...unless you want a zero ER with Fidelity Zero Funds. ITOT is great too if you want an ETF. 0.03 ER, but you have a tiny bid/ask spread effect as well. If you like traditional mutual funds, I don't think more FSKAX in taxable i...
by djeayzonne
Tue Aug 20, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Chicago - What to see, do & eat in two days
Replies: 71
Views: 4208

Re: Chicago - What to see, do & eat in two days

linakin wrote:
Tue Aug 20, 2019 7:21 am
Eat some deep dish pizza from Geno's East or Lou Malnati's. Head to Portillo's and have a Chicago style hot dog and Italian beef sandwich.
I second this!
by djeayzonne
Tue Aug 20, 2019 4:40 pm
Forum: Personal Investments
Topic: Finally ready to start a taxable account - Need some advice
Replies: 25
Views: 2635

Finally ready to start a taxable account - Need some advice

Hey guys. I am ready to start a taxable account about a year earlier than expected. I must admit that I only paid half-attention to conversations about taxable accounts because I thought it would still be awhile before I needed to know. So, I currently have all accounts with Fidelity - solo401k, IRA...
by djeayzonne
Tue Aug 20, 2019 4:19 pm
Forum: Personal Investments
Topic: Q. About HSA Contributions
Replies: 2
Views: 348

Re: Q. About HSA Contributions

Thanks for the info and link!
by djeayzonne
Tue Aug 20, 2019 2:02 pm
Forum: Personal Investments
Topic: Q. About HSA Contributions
Replies: 2
Views: 348

Q. About HSA Contributions

I started a new position last December and wasn't eligible to participate in insurance until February. I have 275 dollars put into the account every pay period, which would get me close to maxing it out if I did this for an entire year of pay. So, I was thinking I should go ahead and max that out be...
by djeayzonne
Thu Aug 08, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 3216

Re: Have you started a blog?

stoptothink wrote:
Thu Aug 08, 2019 1:58 pm

5. I have Asperger's Syndrome and my wife is neuro-typical. We've spoken at numerous conferences, on TV, been interviewed, etc. countless times as ASD is a big topic in our area.
I'm in exactly the same situation, and so I would love to read your blog if you wouldn't mind sharing.
by djeayzonne
Mon Jul 08, 2019 6:09 am
Forum: Personal Investments
Topic: To solo 401k or ...
Replies: 10
Views: 1082

Re: To solo 401k or ...

This seems to be more complicated than I thought.

I guess I should just consult with a CPA.

Thanks for the replies.
by djeayzonne
Sat Jul 06, 2019 9:58 pm
Forum: Personal Investments
Topic: To solo 401k or ...
Replies: 10
Views: 1082

Re: To solo 401k or ...

The big benefit of 401k is tax deferral. With no 401k from your job, Solo 401k is your best option for tax deferral. Say you are in the 22% tax bracket now. You can contribute $19k tax free to Solo 401k. If you don't put it in the Solo 401k, that money will be taxed at 22%, so you would pay $4180 i...
by djeayzonne
Sat Jul 06, 2019 4:00 pm
Forum: Personal Investments
Topic: To solo 401k or ...
Replies: 10
Views: 1082

Re: To solo 401k or ...

What will be your W-2 Social Security (SS) Wages for the year? For the amount of (W-2 Box 3 SS wages + 92.35% of business profit) > the SS maximum wage base (2019 = $132,900). You will only pay 2.9% in SE taxes. >>> yeah, it should be. That's good to know. What kind of business has $30K in fixed ex...
by djeayzonne
Sat Jul 06, 2019 3:51 pm
Forum: Personal Investments
Topic: To solo 401k or ...
Replies: 10
Views: 1082

Re: To solo 401k or ...

Sounds to me that you are mental accounting somewhat. Since your employer doesn't offer a 401k, this is your only chance to max tax deferred savings. Just because your paycheck is 0 from your business, it is the same financially as if you were maxing a 401k from your job and earning 19k from your b...
by djeayzonne
Fri Jul 05, 2019 10:25 pm
Forum: Personal Investments
Topic: To solo 401k or ...
Replies: 10
Views: 1082

To solo 401k or ...

I was 100% self-employed between 2013 to 2018. I built up my sole-proprietorship services enough that I could max out 2 Roth IRAs and the employee contribution limit for solo 401k. For 2018, I was also able to add employer contribution for the first time. I changed back over to a full-time position ...
by djeayzonne
Tue May 07, 2019 3:03 pm
Forum: Personal Investments
Topic: Texas CPA recommendation
Replies: 0
Views: 328

Texas CPA recommendation

Hello again, Does anybody have a recommendation.for a CPA in Dallas area that might be familiar with the Bogleheads approach to investing/retirement? I have been doing my own taxes, but now I think it's time to get some professional help, including which types of retirement accounts I should be using.
by djeayzonne
Sun May 05, 2019 3:28 am
Forum: Personal Investments
Topic: Transitioning from Self-employed to Regular Employee + Kinda Self-employed
Replies: 9
Views: 906

Re: Transitioning from Self-employed to Regular Employee + Kinda Self-employed

Oh, forgot to answer about pensions.

No, we definitely will not have any pension.
by djeayzonne
Sat May 04, 2019 4:14 pm
Forum: Personal Investments
Topic: Transitioning from Self-employed to Regular Employee + Kinda Self-employed
Replies: 9
Views: 906

Re: Transitioning from Self-employed to Regular Employee + Kinda Self-employed

"short-term" is probably cash/money market funds. You are currently 5% fixed income. which is too low in my opinion. No, that is purely the AA breakdown provided on the Fidelity website. I don't have any uninvested funds in any of those accounts, so that's why I don't really know what that 1% is. I...
by djeayzonne
Sat May 04, 2019 4:09 pm
Forum: Personal Investments
Topic: Transitioning from Self-employed to Regular Employee + Kinda Self-employed
Replies: 9
Views: 906

Re: Transitioning from Self-employed to Regular Employee + Kinda Self-employed

In 2019 it would take >= $56K in self-employed earned income to make a $19K employee elective contribution + a $37K employee after-tax contribution and >= $70K in self-employed earned income to make a $19K employee elective contribution + a $14K employer contribution + a $23K employee after-tax con...
by djeayzonne
Sat May 04, 2019 4:01 pm
Forum: Personal Investments
Topic: Transitioning from Self-employed to Regular Employee + Kinda Self-employed
Replies: 9
Views: 906

Re: Transitioning from Self-employed to Regular Employee + Kinda Self-employed

Does the new arrangement allow your spouse to become more involved? What is her work history in paying into SS? Is there benefit in building up her income and work record? Not really, she helps with emails, formatting, preparation, and other related things. She cannot perform the actual work. She w...
by djeayzonne
Sat May 04, 2019 12:48 am
Forum: Personal Investments
Topic: Transitioning from Self-employed to Regular Employee + Kinda Self-employed
Replies: 9
Views: 906

Transitioning from Self-employed to Regular Employee + Kinda Self-employed

Hello fellow investors. I got started investing later in life with great help from this site and forum. (finally doing what I wanted to do way back when I was 18, but life got in the way for about 20 years) I have been fully self-employed with a one-person services business. I have had a solo 401K, ...
by djeayzonne
Sun Dec 17, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 11
Views: 1352

Re: Build credit or pay in full

One thing to keep in mind is the total average length of your entire credit history. If it's not over 5 years, you should consider any applicable scenarios in which this loan could get you there or prevent you from getting there. Considering the loan will stay on your report for quite a long time af...
by djeayzonne
Sat Dec 09, 2017 2:37 am
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 7136

Re: Recommended places to live

To some degree you have to reconcile having 3/4 acre, etc and wanting the area to also have great Japanese cuisine infrastructure etc, without actually moving to Japan for reasons you stated. To state the obvious, this is not Japan. Cities in the U.S. with great Japanese restaurants or grocery stor...
by djeayzonne
Fri Dec 08, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 7136

Re: Recommended places to live

Hello, I currently live in Dallas, TX. I work for myself and at home, so I am completely free to live where I choose as long as there is fast and reliable Internet available. I am considering moving somewhere else though mostly for personal reasons rather than financial, those reasons being I want ...
by djeayzonne
Fri Dec 08, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 7136

Re: Recommended places to live

Have you considered going back to Asia? Malaysia has good deals for expats wanting to live there. That does seem like an interesting thought for OP, aren't there places where one can live like a king comparable to the US? Seems would make travel back/forth to Japan much simpler. Absolutely no idea ...
by djeayzonne
Fri Dec 08, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 7136

Re: Recommended places to live

livesoft wrote:
Thu Dec 07, 2017 4:55 pm
I'll tell you again: Outside Vancouver, BC, Canada.

There are a couple of non-stops to Narita daily.
Do you have any idea what the procedures would be for a US and Japanese citizen to move there?
by djeayzonne
Thu Dec 07, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 7136

Re: Recommended places to live

Several recommendations for Washington, Arizona, Colorado, and Tennessee have been given. Based on the above, what are the advantages/disadvantages of these and the other recommendations? We need more info from you. How much are you willing to spend for housing? Do you need a large airport nearby? ...
by djeayzonne
Thu Dec 07, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 7136

Re: Recommended places to live

Yeah, IMO, I think I agree with what you are saying. Let's take the allergy thing completely off the table. Having a runny nose in the spring and fall is just a permanent part of my life anyway regardless of location. What would be good places to live that are better environments for people with ast...
by djeayzonne
Wed Dec 06, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 7136

Re: Recommended places to live

Thanks for the replies! With many of your reactions, I see that I need to clarify the allergy thing. I guess if you haven't lived here, you wouldn't have some of the context. Firstly, I lived in Japan (not Tokyo) for about 10 years before moving to Dallas. Much different climate, but I have never ha...