Search found 640 matches

by decapod10
Sun May 24, 2020 11:30 am
Forum: Investing - Theory, News & General
Topic: Why did you change your investing approach?
Replies: 20
Views: 886

Re: Why did you change your investing approach?

In college I had like $2000 to invest in the stock market. I did individual stock picking, technical analysis, things like that. I quickly learned it wasn't for me for various reasons.
by decapod10
Sat May 23, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 54
Views: 2717

Re: Investors: be aware of weakness in 2FA + strengthening

From what I have read, it is more difficult to SIM swap Verizon phones vs other phones. I'm not sure how true it is, but they say that the network verifies the IMEI of your phone with their records, which makes SIM swapping harder. Source: https://www.vice.com/en_us/article/kz438w/verizon-makes-sim-...
by decapod10
Fri May 22, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Better to rent through Airbnb or VRBO?
Replies: 10
Views: 875

Re: Better to rent through Airbnb or VRBO?

I've used them both also, but pre-COVID era. They were both fine. Just make sure you are factoring in the entire cost when comparing. There are a lot of fees and such tacked on.
by decapod10
Wed May 20, 2020 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for grocery rewards
Replies: 37
Views: 2779

Re: Best credit card for grocery rewards

So, am I getting this right? I can get 6% cash back on Amazon gift cards bought at a grocery store using my Amex blue preferred card? Yes, you can get 6% cash back on any gift card you purchase at a grocery store. We are currently using an Amex Gold card (which has a $25k spend limit on groceries),...
by decapod10
Wed May 20, 2020 5:10 pm
Forum: Personal Investments
Topic: Diehards advice on missing the dip
Replies: 20
Views: 3238

Re: Diehards advice on missing the dip

How much money would you need to retire back in your home country? If/when you do move, what would your investment strategy/options be (I know nothing about investing while living in countries outside of the US)? Would you work at all if you do move? Your investment strategy/asset allocation might b...
by decapod10
Tue May 19, 2020 8:53 pm
Forum: Investing - Theory, News & General
Topic: Best Overall Online Brokerage Account
Replies: 31
Views: 2015

Re: Best Overall Online Brokerage Account

Sorry looks like I posted to the wrong forum. I am sure some folks here spend time researching and analyzing individual stocks, but it is kind of like going to an F-150 meet-up to get suggestions for your new Mustang build. There is some crossover and you might get some useful hints, but a Mustang ...
by decapod10
Tue May 19, 2020 8:16 pm
Forum: Investing - Theory, News & General
Topic: Best Overall Online Brokerage Account
Replies: 31
Views: 2015

Re: Best Overall Online Brokerage Account

What sort of research are you looking for? I think most info you would want for long term trading you can find on various internet sites rather than your brokerage. Price charts, P/E ratios, etc. If you're doing day trading maybe requirements are different since you need more rapid information, thou...
by decapod10
Tue May 19, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for grocery rewards
Replies: 37
Views: 2779

Re: Best credit card for grocery rewards

Depends on how much you spend and also what kind of rewards you want. Bank of America cash rewards gives 2-3.5% depending on if you have status with BofA, up to $2500 spend per quarter. No annual fee American Express gold card gives you 4x points for groceries, up to $25k spend per year. Annual fee ...
by decapod10
Mon May 18, 2020 4:19 pm
Forum: Personal Investments
Topic: Do you Max for 401k then go for mega backdoor or both concurrently?
Replies: 14
Views: 985

Re: Do you Max for 401k then go for mega backdoor or both concurrently?

We also do both traditional 401k and after tax 401k contributions concurrently. If you're sure that you're going to do both by the end of the year, there are no cash flow issues, and no match issues, might as well just do both. Though this year that didn't work out so well, since our contributions g...
by decapod10
Sun May 17, 2020 12:16 pm
Forum: Personal Investments
Topic: What to do with after-tax contributions to employer 401k?
Replies: 46
Views: 2097

Re: What to do with after-tax contributions to employer 401k?

Having a traditional IRA makes it difficult to do a backdoor Roth IRA. Are you doing a backdoor Roth IRA? If not, that would be much easier way to get money into your Roth IRA. No - I'm below the income limit for a Roth IRA so no need to do a backdoor Roth IRA, right? I'm just trying to move after-...
by decapod10
Sun May 17, 2020 10:59 am
Forum: Personal Investments
Topic: What to do with after-tax contributions to employer 401k?
Replies: 46
Views: 2097

Re: What to do with after-tax contributions to employer 401k?

I think that's referring to money rolled into the plan (e.g., from former employers). That is, rollover contributions are withdrawable at any time. Yes I understand that it is referring to money rolled into the plan from former 401k plans or IRAs; but what I am suggesting / asking here is to absolu...
by decapod10
Fri May 15, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2054

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

You will want a person board certified in either Internal Medicine or Family Medicine. The difference in training is the latter have to learn pediatrics/obstetrics/adult internal medicine in a 3 year residency while the former learn just adult internal medicine. Both can be great. I personally see ...
by decapod10
Wed May 13, 2020 8:48 pm
Forum: Personal Investments
Topic: after tax 401k contribution or taxable brokerage
Replies: 33
Views: 1473

Re: after tax 401k contribution or taxable brokerage

Are you sure it is a good idea to use Roth 401k for your elective deferrals? Using after-tax and IRR is close to a no brainer, but giving up a $19,500 reduction in taxable income is a different matter and not a no-brainer at all. All great points. Originally i didn't have this mega option so this w...
by decapod10
Wed May 13, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2054

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

From a physician perspective (Internal Med, practicing as a Hospitalist)... I think the most important aspect is how well you trust and get along with the doc. IE the first impression should go a long way. There are many fantastic physicians that went to smaller, less well known residencies. If you...
by decapod10
Wed May 13, 2020 5:32 pm
Forum: Personal Investments
Topic: Excess 529 account balance questions
Replies: 16
Views: 1006

Re: Excess 529 account balance questions

How is your income tax bracket compared to your son's? If he just graduated, maybe his tax bracket is low? Is he subject to the kiddie tax? I believe non qualified 529 distributions can be reported by either the owner of the 529 or the beneficiary (depending on who actually gets the money). If for ...
by decapod10
Wed May 13, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2054

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

Healthcare prices is ridiculously untransparent in this country, Ok, I knew that. But it's a different thing when you are actually shopping. Anyway... I need to get a Primary Care Physician (PCP) ASAP... and I never had a PCP before. I don't like doctors and have stopped seeing them since 2013. But...
by decapod10
Wed May 13, 2020 10:37 am
Forum: Personal Investments
Topic: Excess 529 account balance questions
Replies: 16
Views: 1006

Re: Excess 529 account balance questions

How is your income tax bracket compared to your son's? If he just graduated, maybe his tax bracket is low? Is he subject to the kiddie tax? I believe non qualified 529 distributions can be reported by either the owner of the 529 or the beneficiary (depending on who actually gets the money). If for s...
by decapod10
Wed May 13, 2020 12:45 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4685

Re: Peloton Treadmill: Anyone here own one..,,

We chose to purchase a really nice bike (higher quality than Peloton bike) for $1,000 and subscribed to the Peloton App. The first 90 days of the app is free and it costs about $13.00 a month after that. The app is great and I would encourage you to research it before shelling out the $4,200. We us...
by decapod10
Wed May 13, 2020 12:00 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4685

Re: Peloton Treadmill: Anyone here own one..,,

We just purchased a ProForm Pro 5000, it comes with a 1 year subscription to iFit, which has classes and also virtual hikes/runs (Macchu PIcchu, Hawaii, things like that) and then costs $15 per month or $33 for a family subscription after the trial period. I just got it a week or two ago, so I don't...
by decapod10
Tue May 12, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of revocable trusts, wills, estate planning
Replies: 25
Views: 1888

Re: Cost of revocable trusts, wills, estate planning

Ours was around $3400 (5 years ago) for a revocable trust, wills, POA. Retitling an out of state property was extra, I don't remember if the cost of retitling our home was included or not.
by decapod10
Tue May 12, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: How to consider home improvement expenses
Replies: 25
Views: 1276

Re: How to consider home improvement expenses

We added a room to our house, and considered it all expense really. If I'm comparing a $500k house and a $600k house, I don't consider paying an extra $100k for a house an investment, though others may see it differently.
by decapod10
Mon May 11, 2020 7:10 pm
Forum: Personal Investments
Topic: How to adjust for inflation in retirement planning?
Replies: 19
Views: 1099

Re: How to adjust for inflation in retirement planning?

I do everything real, using today's dollars. If I need $50k a year in today's dollars and want 25x expenses at retirement, I need $1.25 million in today's dollars. The return required to get there is the real return. Thanks. So are you saying that either of the two approaches I laid out would work?...
by decapod10
Sun May 10, 2020 11:05 pm
Forum: Investing - Theory, News & General
Topic: Strategy for paying down mortgage
Replies: 22
Views: 1826

Re: Strategy for paying down mortgage

Maybe I’m misunderstanding the advantage of paying down a mortgage early. Whether I keep paying off principal over 10 years or I accumulate the money in a separate account and pay off the mortgage in a lump sum, shouldn’t the interest paid for the duration of the loan the same? It is not the same. ...
by decapod10
Sun May 10, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Strategy for paying down mortgage
Replies: 22
Views: 1826

Re: Strategy for paying down mortgage

I guess the real question is whether there is an advantage of choosing option A versus B. I have been doing A but wonder if B presents any disadvantages. B seems to provide you additional flexibility in the event of a financial hardship. If people feel this specific question has been covered before...
by decapod10
Thu May 07, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 2959

Re: IE, Chrome or Firefox, that is the question.

Definitely not IE as mentioned, it's been deprecated by MS.

I think for most people, Chrome and Firefox won't be that different. I tend to prefer Firefox generally speaking. Chrome works slightly better with Google Docs though.
by decapod10
Wed May 06, 2020 3:43 pm
Forum: Personal Investments
Topic: question about rebalancing from an amatuer
Replies: 18
Views: 633

Re: question about rebalancing from an amatuer

thanks. i realized the target funds got more conservative over time; i didn't realize they actually adjusted (aggressively) based on market conditions i've got a lot to learn... I'm not sure if this is entirely accurate. I would say that the target funds automatically buy/sell assets to keep the ri...
by decapod10
Wed May 06, 2020 12:06 pm
Forum: Personal Investments
Topic: question about rebalancing from an amatuer
Replies: 18
Views: 633

Re: question about rebalancing from an amatuer

hi, i am new to this site. i've looked at it several times & really like it...finally decided to join and get some advice. my employer sponsored 401k is at vanguard. in february and march, i watched the market (and my account balance) drop, and drop, and drop. my 401k was invested in the target 202...
by decapod10
Tue May 05, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Princess Cruise: Take Cash or Greater Future Credit
Replies: 23
Views: 2089

Re: Princess Cruise: Take Cash or Greater Future Credit

It has been 8 weeks since I requested my refund and I haven't heard or received anything from Princess. Their offer included future credits in addition to the refund and there is nothing in my account for that either. I am still getting marketing material from them. Are you referring to the onboard...
by decapod10
Tue May 05, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11141

Re: All my friends are outperforming index funds

OP here - A few points: 1. My friends aren't outperforming me , as I have consistently bought during the recent downturn and have gains on the rally. When I say outperforming, what I mean is I know exactly what they bought and when they bought, so I know how that investment performed vs. the market...
by decapod10
Sun May 03, 2020 12:31 pm
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3331

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

I used to tilt towards SCV and REITs (US and international), but just recently I got rid of the REITs and bumped up US TSM and US SCV a bit. One reason was to simplify a bit. I didn't have a huge slice of REITs to begin with, it was 8% of equities which was about 6.4% of total portfolio, so it prob...
by decapod10
Sun May 03, 2020 11:37 am
Forum: Personal Investments
Topic: Finally simplified. Looking for feedback on my lifelong portfolio.
Replies: 57
Views: 3331

Re: Finally simplified. Looking for feedback on my lifelong portfolio.

I used to tilt towards SCV and REITs (US and international), but just recently I got rid of the REITs and bumped up US TSM and US SCV a bit. One reason was to simplify a bit. I didn't have a huge slice of REITs to begin with, it was 8% of equities which was about 6.4% of total portfolio, so it proba...
by decapod10
Fri May 01, 2020 1:15 am
Forum: Personal Investments
Topic: Vanguard Backdoor Roth did not convert full 6K
Replies: 2
Views: 268

Re: Vanguard Backdoor Roth did not convert full 6K

Yeah, just wait until your tIRA shows 0.14 cents in the settlement fund with no pending activity. Or you can just wait to transfer until next year. I don't think the gains on 14 cents over the next year will matter much.
by decapod10
Wed Apr 29, 2020 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: [One stop shop with BoA / Merrill Edge]
Replies: 34
Views: 1982

Re: [One stop shop with BoA / Merrill Edge]

Yeah, once you figure it out it's ok, but just annoyances based on the way I do things, they may not apply to everyone. The way that the payment system works is through the BillPay system. The credit card generates a e-bill once a month that shows up in BillPay. The first annoyance is that you can't...
by decapod10
Wed Apr 29, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 96997

Re: Well, I am market timing due to coronavirus... Wish me luck.

I spend most of my time at r/wallstreetbets . I clicked the link. I can say I have little idea of what's going on in there but it feels like walking into a casino with a bunch of "professional gamblers", in their own minds at least. I get the impression that there are a few big winners and many, ma...
by decapod10
Wed Apr 29, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How & where do you save for big ticket items?
Replies: 16
Views: 1194

Re: How & where do you save for big ticket items?

I would try to estimate how long it will be before you need to pay for the big ticket item, then divide it up into months and then put the expense into your monthly budget. So if you want to buy a $20k car in 5 years, then $20k / 60 months = $333 per month. I keep that sort of money in an online sa...
by decapod10
Wed Apr 29, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How & where do you save for big ticket items?
Replies: 16
Views: 1194

Re: How & where do you save for big ticket items?

I would try to estimate how long it will be before you need to pay for the big ticket item, then divide it up into months and then put the expense into your monthly budget. So if you want to buy a $20k car in 5 years, then $20k / 60 months = $333 per month. I keep that sort of money in an online sav...
by decapod10
Tue Apr 28, 2020 11:37 pm
Forum: Personal Investments
Topic: UC system, pension or traditional 401k?
Replies: 30
Views: 1957

Re: UC system, pension or traditional 401k?

Yes it's kind of confusing because over and over they say "401(k)-style". But it's 403b. NBD. In the 401k-only plan you would get $42,000 per year, while in the pension plan you would have $18720 per year in your 401k, so you are effectively giving up $23,280 per year. What do you mean here? If you...
by decapod10
Tue Apr 28, 2020 10:19 pm
Forum: Personal Investments
Topic: 529 Aggression Level
Replies: 2
Views: 491

Re: 529 Aggression Level

I think if you've already decided they are too aggressive, then you should just switch now. It feels bad since the market just crashed, but it could still crash again easily. And the US market is still at early 2019 levels currently, it's not like you're taking a massive loss. Still up significantly...
by decapod10
Tue Apr 28, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: [One stop shop with BoA / Merrill Edge]
Replies: 34
Views: 1982

Re: [One stop shop with BoA / Merrill Edge]

But I do think BofA/ML is a strong contender in the space because it is fully integrated, brick and mortar bank with a decent online portal, and low cost brokerage platform together. When you hit the high reward tiers, the benefits approach a lower tier private banking situation at other institutio...
by decapod10
Tue Apr 28, 2020 6:07 pm
Forum: Personal Investments
Topic: UC system, pension or traditional 401k?
Replies: 30
Views: 1957

Re: UC system, pension or traditional 401k?

I don't work for UC, but just some general comments One way to look at pensions is to value them like annuities. When you retire, they are essentially buying you an annuity to pay you $x per year for the rest of your life. Doing the math all in today's dollars, If you work for UC for 20 years x $124...
by decapod10
Tue Apr 28, 2020 2:56 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1472
Views: 118948

Re: Small Cap Value heads Rejoice !!!

caklim00 wrote:
Tue Apr 28, 2020 2:13 pm

...
MotoTrojan wrote:
Tue Apr 28, 2020 1:30 pm

...

Thank you both. I had been using IJS because it has free trades at Fidelity, but I realized today that Fidelity offers free trades for all stocks/ETFs if I'm reading things correctly, which opens up my options.
by decapod10
Tue Apr 28, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1472
Views: 118948

Re: Small Cap Value heads Rejoice !!!

Larry Swedroe on the new Avantis ETFs on Twitter. Read the tweet and his short responses. Cheers fellow factorheads :beer https://twitter.com/larryswedroe/status/1254778382723604482 Glad to see him plugging this. DFA and Bridgeway aren't attainable by most of us peons. Will be interesting to see th...
by decapod10
Mon Apr 27, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Household batteries + charger
Replies: 24
Views: 1210

Re: Household batteries + charger

Not sure if it was mentioned, but it's worth getting slow discharge batteries IMO. Normal rechargable batteries lose charge just by sitting around, so if you don't charge them frequently, they may be dead when you grab them from your drawer. The slow discharge batteries maintain their charge better ...
by decapod10
Mon Apr 27, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 7749

Re: Where to buy a home in the Bay Area

I should clarify, the goal here isn't to determine whether SF can be reached in 40 minutes from X place, so maybe we will leave the commute accuracy out of the mix. The questions again are: 1. Condo or Townhouse - In the Bay Area, I have barely seen much price appreciation on condos, but definitely...
by decapod10
Mon Apr 27, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7143

Re: How do you explain no COVID19 Stimulus Payment?

I would just tell the truth and not be evasive. Honesty is the best policy. So if less well off friends/relatives asked you exactly how much you make you'd be okay answering? For me, the answer is "depends" like it usually is. My closest friends I wouldn't have a problem telling them my income or m...
by decapod10
Mon Apr 27, 2020 3:11 pm
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 19818

Re: Why am I even saving for retirement?

The reasons why you could save for retirement if SS covers all expenses: 1. Uncertainty about the amount of Social Security in the future (amounts, age when you start collecting, etc) 2. Uncertainty about your expenses in the future 3. Desire to leave something for heirs 4. Desire to retire early 5....
by decapod10
Mon Apr 27, 2020 12:51 am
Forum: Personal Consumer Issues
Topic: In your experience, what is the credit card with the best customer service?
Replies: 36
Views: 2037

Re: In your experience, what is the credit card with the best customer service?

Ive had to contest fraudulent claims from several credit cards including BofA Visa, AmEx, Chase. All very easy, got my charges reversed quickly with no fuss. For my purposes I see no appreciable difference in customer service, but maybe I'm just low maintenance.
by decapod10
Sun Apr 26, 2020 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 7749

Re: Where to buy a home in the Bay Area

It's not worth worrying about price appreciation for your primary residence IMO as it is difficult to predict. Find someplace that you enjoy living, that's convenient to work, and that you can afford. That's usually difficult enough as it is, especially in the Bay Area. If you work in the City and e...
by decapod10
Fri Apr 24, 2020 7:46 pm
Forum: Personal Investments
Topic: "Making money" by actively trading... but not beating the market
Replies: 76
Views: 3667

Re: "Making money" by actively trading... but not beating the market

I have friends who are very aggressive investors. Like they short Boeing and buy 3x Bear ETFs and invest in palladium futures and such. I enjoy listening to what they are doing honestly, but I've never really tried to convince them not to do it. Every so often I will mention what I'm doing, and I th...
by decapod10
Fri Apr 24, 2020 1:32 pm
Forum: Personal Investments
Topic: To REIT or not to REIT?
Replies: 28
Views: 2401

Re: To REIT or not to REIT?

I'm currently holding 8% of equities in REITs as well, and I was considering dumping them as well honestly. If your REITs are very small, then just getting rid of them is probably fine. Won't make much of a difference in the long run. Larry Swedroe is currently not recommending REITs, arguing that R...