Search found 572 matches

by ChinchillaWhiplash
Sat Dec 15, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 13
Views: 1040

Re: Which asset class is down the most for you?

Mine is US small cap value. Have an index fund that is down 17.4% right now. Have been funneling new money into it each month to put % back where it belongs. Keeps going down, but so does my cost basis. Getting a little painful though, but will hold strong :beer Same but I use the S&P600 value whic...
by ChinchillaWhiplash
Fri Dec 14, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 13
Views: 1040

Which asset class is down the most for you?

Mine is US small cap value. Have an index fund that is down 17.4% right now. Have been funneling new money into it each month to put % back where it belongs. Keeps going down, but so does my cost basis. Getting a little painful though, but will hold strong :beer
by ChinchillaWhiplash
Mon Dec 10, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 30
Views: 982

Re: safest downhill ski helmet

I will say I skied the first 35 years 50-70 days a year on snow with nothing more than a plain old wool winter hat. Double blacks, trees the works. I’m still alive with no brain damage lol. Assessing risk, knowing your “true” ability and skiing terrain accordingly is your best bet. No helmet can sa...
by ChinchillaWhiplash
Mon Dec 10, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 30
Views: 982

Re: safest downhill ski helmet

Think Schumacher's problem was caused by a go-pro mounted on the helmet that went through the shell.
by ChinchillaWhiplash
Mon Dec 10, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 30
Views: 982

Re: safest downhill ski helmet

I like my POC helmet. Haven't tested it out luckily. I have read that most ski helmets do no good above a 20 mph collision. Lots of people have died on the slopes of head trauma even with helmets. My son had an Anon helmet and hit a tree with the top of his head. He was fine and the helmet had a big...
by ChinchillaWhiplash
Mon Dec 10, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2646

Re: Who is buying SCV, EM, Intl SC

Yes, bonds, EM bonds, SCV US, SCV EM and DM. No REITs.
by ChinchillaWhiplash
Thu Dec 06, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 16
Views: 1576

Re: Dealing with Jeep for warranty claims. Any tips?

Jeep has been repaired under warranty. Ended up with failed rocker arms that ate up the lifters and cams. Hopefully it will hold up for a few more years until we want to purchase another vehicle. Worried that there could be damage from all the worn off metal that was floating around in the oil. Hope...
by ChinchillaWhiplash
Tue Dec 04, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: These funds OK for taxable? IXUS (total international ex-US) & MUB (national muni bonds)
Replies: 3
Views: 340

These funds OK for taxable? IXUS (total international ex-US) & MUB (national muni bonds)

Fed tax bracket 36%. State 4.62%. Would these funds be relatively tax efficient for a taxable account? IXUS has low ER and turnover of 2%. Thinking it would be good for foreign tax credit and fill my international space. MUB also low ER and decent dividend that would have no fed tax to help fill bon...
by ChinchillaWhiplash
Fri Nov 30, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 434

Re: Question on S corp profit share funding of solo 401k

what sort of numbers are we talking about? Discussion may be concrete if we get somewhat specific. For instance, for 2019, project S corp net income, your wages and distributions. And I assume you are the only shareholder and employee of the Corp? What is the nature of work, is this a specified ser...
by ChinchillaWhiplash
Fri Nov 30, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 434

Re: Question on S corp profit share funding of solo 401k

Thanks Sprit Rider for the info. Think I will make bi-monthly contributions. Hate to have that much cash earning only 0.01% at bank. Would rather put it to work asap. For 2017 made 3 contributions in summer of 2018. Didn't come close to the max and we had to do an amended return since he did not acc...
by ChinchillaWhiplash
Fri Nov 30, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2374

Re: Guy's Western US Ski Trip - suggestions?

Telluride is good. Beautiful mountain and town. Forbes ranked it #2. Not a lot of true beginner runs though. Small town with lots of restraunts and bars. Kind of on the spendy side, but never gets very crowded. Weekday lift lines are non existent. Feb is usually a good month for snow, but not guaran...
by ChinchillaWhiplash
Fri Nov 30, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 434

Re: Question on S corp profit share funding of solo 401k

S corp profit sharing is limited to 25% of compensation (W2 wages). Put another way, profit sharing can not be calculated from the amount of distributions. Do you know for certain what your yearly wages from the corp will be? If stable income and known wages you don't have to wait and lump sum prof...
by ChinchillaWhiplash
Fri Nov 30, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 434

Re: Question on S corp profit share funding of solo 401k

It sounds as if the online savings account is in your name rather than the business? This is tempting because the rates are usually much better than for business accounts. But the problem is that you'd be distributing funds to yourself and then later reinvesting them in the S-corp to pay to the 401...
by ChinchillaWhiplash
Thu Nov 29, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Question on S corp profit share funding of solo 401k
Replies: 11
Views: 434

Question on S corp profit share funding of solo 401k

Had a talk with my CPA today about how we are doing taxes for 2018, etc. For the 1st time will be fully funding 401k from both employee and employer sides. We usually file an extension for corporate and personal taxes. He recommended that we save up the funds for profit sharing business 401k contrib...
by ChinchillaWhiplash
Thu Nov 29, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2374

Re: Guy's Western US Ski Trip - suggestions?

Snowmass, Crested Butte.
by ChinchillaWhiplash
Tue Nov 27, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 16
Views: 1576

Re: Dealing with Jeep for warranty claims. Any tips?

Got it to the dealer. They checked the engine and found that a cam shaft is bad along with lifters. Covered under warranty. Just have to have less than the 100k miles when I take it back in for the repair. No hassles and didn't have to prove oil change records or anything. I would rate them as quite...
by ChinchillaWhiplash
Tue Nov 27, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Stock buyback dynamics?
Replies: 1
Views: 201

Stock buyback dynamics?

How close are corporate stock buybacks to buying on margin? Anybody have numbers on how many companies are doing stock buybacks with borrowed $s? What happens with the shares once they buy them back? Would assume they hold the shares like cash and speculate that they will maintain their value or go ...
by ChinchillaWhiplash
Mon Nov 26, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: paying off all but 1 dollar of CC
Replies: 83
Views: 8203

Re: paying off all but 1 dollar of CC

Had a running balance on CC with 768 score. Paid off all CC debt now score is 815. This was over a period of 6 months. Pay it off in full.
by ChinchillaWhiplash
Sat Nov 24, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Furnace Filter for Allergy
Replies: 6
Views: 683

Re: Furnace Filter for Allergy

Try this place. Bet they have something that will help. https://dirtyfilters.com
by ChinchillaWhiplash
Sun Nov 18, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: sell current home before buying new home?
Replies: 17
Views: 1422

Re: sell current home before buying new home?

We bought a lot to build a house. Planned to sell the current house while it was being built. That was in 2008. Crash happened. We were stuck with 2 houses for years. Luckily able to rent the old home for most, but not for enough to cover all of mortgage payments and maintenance. I would sell 1st. T...
by ChinchillaWhiplash
Thu Nov 15, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 16
Views: 1576

Re: Dealing with Jeep for warranty claims. Any tips?

So you took it to the dealer and didn't bother to tell them about the issue, but expected them to just pick up on it? Doesn't seem like the best plan. My tip seems like an obvious one to me, but I'd suggest taking it to the dealer and making them aware of the problem before the warranty runs out? :...
by ChinchillaWhiplash
Thu Nov 15, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 16
Views: 1576

Re: Dealing with Jeep for warranty claims. Any tips?

No matter the outcome, I would recommend selling the vehicle. I would not want to have a Chrysler product after the warranty period ended. Agree, at first I thought oil analysis for metal contamination to determine the percentage, but then I thought, add that amount to your trade diff and move on. ...
by ChinchillaWhiplash
Thu Nov 15, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 16
Views: 1576

Re: Dealing with Jeep for warranty claims. Any tips?

Yeah, looks like this vehicle is an overall lemon with 292 TSBs! 74 TSB is the average for any particular vehicle.
by ChinchillaWhiplash
Thu Nov 15, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 16
Views: 1576

Re: Dealing with Jeep for warranty claims. Any tips?

Found that these engines, 3.2 L VVT 24 valve OHC, are prone to have problems with valve train. Ticking sound that mine is making is usually caused by defective rocker arm bearings. Usually causes excessive wear on the camshaft too. This should be an item covered under the 5 yr/100,000 power train wa...
by ChinchillaWhiplash
Thu Nov 15, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 16
Views: 1576

Re: Dealing with Jeep for warranty claims. Any tips?

Would a good way of documenting be to video the ticking, show odometer reading, and the VIN? Would hope that would be adequate. I might try and contact the main company customer service as well. I had to do this with Infinity and they make it very difficult to find out how to contact them. Guess the...
by ChinchillaWhiplash
Wed Nov 14, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Dealing with Jeep for warranty claims. Any tips?
Replies: 16
Views: 1576

Dealing with Jeep for warranty claims. Any tips?

Have 2015 Jeep Cherokee Trailhawk with loud ticking noise from engine. Sounds like valve train. I did an oil change one time and found metal flakes. Usually had the oil changed at a Ford/Nissan dealer for the life of the vehicle. Drivetrain warranty expires 5 years/100k miles. We are just over 95k a...
by ChinchillaWhiplash
Wed Nov 14, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Mercedes-Benz E350 4 matic. What years to look for?
Replies: 2
Views: 633

Mercedes-Benz E350 4 matic. What years to look for?

Interested in an E Class 350. Need to AWD. Will be used for commute of 110 miles a day 11-13 days a month. Hoping to buy a nice condition car with under 60k miles for around $20k. Was wondering if some years are better than others? Just need comfortable car that is dependable. Also considering Lexus...
by ChinchillaWhiplash
Tue Nov 06, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Bond Funds
Replies: 24
Views: 1658

Re: Actively Managed Bond Funds

There are some actively managed bond funds that have outperformed TBM over a long period of time in total returns. Some have decent ER too. An example: USAIX income fund (intermediate bonds) ER = 0.49 vs. VBMFX. https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults Plug them into li...
by ChinchillaWhiplash
Tue Nov 06, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Income in retirement?
Replies: 14
Views: 1970

Re: Income in retirement?

You might be able to do it with an international REIT fund like VNQI combined with a high yield short term bond fund like PGHY. It would be very risky, but if you just need the dividends and have enough invested in them, it could pay out what you need. Not that I would do this, but in theory, it cou...
by ChinchillaWhiplash
Sat Nov 03, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 6121

Re: WSJ: Sometimes, It’s Bonds For the Long Run

A prime example of how well bonds can do. Plug VFINX and VBMFX into PV for total return. Start at year 2000 before dot com crash. 100% of each and 60/40 mix. See what happens. 100% TBM crushes total returns up to about 2017 then TSM takes over. See how the mix ends up. I'm going with a mix of equiti...
by ChinchillaWhiplash
Fri Nov 02, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Nationwide Maximum Diversification Core US Equity ETF MXDU?
Replies: 5
Views: 244

Re: Nationwide Maximum Diversification Core US Equity ETF MXDU?

HEDGEFUNDIE wrote:
Fri Nov 02, 2018 6:45 pm
You should read this thread and see if you agree with the concept of “diversification ratio”

viewtopic.php?t=251043
Thanks for the link. An interesting read for sure :wink:
by ChinchillaWhiplash
Fri Nov 02, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: Nationwide Maximum Diversification Core US Equity ETF MXDU?
Replies: 5
Views: 244

Re: Nationwide Maximum Diversification Core US Equity ETF MXDU?

samsdad wrote:
Fri Nov 02, 2018 6:33 pm
Do you think it’ll beat VTI by .30% per year?
It might on average. Who knows? Time will tell. I'm sure it will do worse some years and might do better others.
by ChinchillaWhiplash
Fri Nov 02, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Nationwide Maximum Diversification Core US Equity ETF MXDU?
Replies: 5
Views: 244

Nationwide Maximum Diversification Core US Equity ETF MXDU?

This would, I guess, be classified as an index fund. Based on an index created for low correlation? It has an ER = 0.34. Is pretty new and has no record, but seems like it could be a good idea. What do you think?
by ChinchillaWhiplash
Fri Nov 02, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Weight Training After 70
Replies: 33
Views: 2408

Re: Weight Training After 70

A physical therapist or sports medicine person might be best. They can see areas that you need work and recommend excercise that best fits your need with less chance of agravating or creating more injury. I had knee surgery and was non weight bearing for 4 months and lost a ton of muscle in that leg...
by ChinchillaWhiplash
Wed Oct 31, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1680

Re: Anybody use CenturyLink for internet service?

Have "high speed" DSL service. Never close to the advertised speed. Wasn't too bad for 1st few years but the last 2 have been bad. We are in a remote area of the country. But more people moving hear. Think there is bottle necking since it seems to get much slower on certain days and times. It also h...
by ChinchillaWhiplash
Tue Oct 30, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2706

Re: Luxury Sedans for around $25k used with lower miles? AWD?

How about Cadillac XTS? Lots for sale at $22-23.
by ChinchillaWhiplash
Tue Oct 30, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2706

Luxury Sedans for around $25k used with lower miles? AWD?

Looking for what brand a model of cars are available. Looking for luxury mid to large vehicles that will last for many miles without too much expensive maintenance. Will be used for commuting in SW CO, but not in bad weather (snow). Will be used in winter when roads might be snow packed, so thinking...
by ChinchillaWhiplash
Tue Oct 30, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4767

Re: Vehicle recommendations for long commutes in CO mountains

I think a lot depends on what type of snow too. We mostly get dry fluffy snow which is easier to get through with snow tires. The bad stuff is early or late season heavy slick wet stuff. A lot of times we might have to drive a mile or so before we get to the plowed roads. Main roads USUALLY get plow...
by ChinchillaWhiplash
Mon Oct 29, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Recommendations for A/T tire that also works well in snow
Replies: 8
Views: 448

Recommendations for A/T tire that also works well in snow

Looking for a specific brand and model of A/T tire that will work well in deep snow. Need good traction on rocky Jeep trails in summer, but can also handle up to 3' of snow in winter on regular roads. Noise on highway not a big concern. Just need good grip for SW CO mountain Jeep roads and to be abl...
by ChinchillaWhiplash
Sun Oct 28, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4767

Re: Vehicle recommendations for long commutes in CO mountains

Narrow dirt road is actually a 2 lane dirt county road. We have lots of county roads that are actually just Jeep trails that are one lane. We only drive on those in Summer to see mountain flowers etc. The road is about 8 miles and gets some maintenance, but gets very muddy in winter with large ruts ...
by ChinchillaWhiplash
Sat Oct 27, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4767

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/2001-jeep-cherokee-sport-over/6712037740.html And another (although it's been personalized more than I'd like). https://denver.craigslist.org/cto/d/98-jeep-cherokee/6733263559.html Those ar...
by ChinchillaWhiplash
Sat Oct 27, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4767

Re: Vehicle recommendations for long commutes in CO mountains

We actually have a Crosstrek that our son drives. Have only got stuck once in 5 years so far. It is not the most luxurious vehicle though. We used to have an Infinity G37 X which was all wheel drive. Had a set of winter wheels and tires and it actually did fairly well, even with the low ground clear...
by ChinchillaWhiplash
Sat Oct 27, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4767

Vehicle recommendations for long commutes in CO mountains

Wanted to get some feedback on what specific vehicle might fit the bill for these driving conditions. 54 miles one way about 12-13 days a month. In Colorado where winters can be harsh. Have to drive to work in ALL conditions, no matter how bad. Drive on highway and narrow dirt back roads. Want comfo...
by ChinchillaWhiplash
Fri Oct 26, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: How tax refund rollover works?
Replies: 4
Views: 232

Re: How tax refund rollover works?

Your Nov and Dec withholdings are not changed. The amount rolled over to 2018 taxes is reported on the 1040 tax form for 2018. Sort of like another estimated payment. OP could adjust W4 to reduce withholdings though to reduce the duration of the loan they are providing the IRS. Yeah, our CPA didn't...
by ChinchillaWhiplash
Fri Oct 26, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: How tax refund rollover works?
Replies: 4
Views: 232

Re: How tax refund rollover works?

Your Nov and Dec withholdings are not changed. The amount rolled over to 2018 taxes is reported on the 1040 tax form for 2018. Sort of like another estimated payment. Ahhh, that makes sense. Thanks for the info. All of this was set up by our CPA, so was kind of clueless on how it actually works.
by ChinchillaWhiplash
Fri Oct 26, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3366

Re: Used 2016 Lexus GS 350: 40k miles too much?

More than likely, those are mostly highway miles. I would not worry too much about 40k.
by ChinchillaWhiplash
Fri Oct 26, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: How tax refund rollover works?
Replies: 4
Views: 232

How tax refund rollover works?

We filed our 2017 fed and state taxes after and extension and amendment. We got a big refund from funding our individual 401k on the employer side before the extension for 2017. We rolled part of that over to 2018 taxes. Never done this before and was wondering how this will work. I would assume tha...
by ChinchillaWhiplash
Tue Oct 23, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12367

Re: 'Smart money' bailing on the market, time to get out?

Didn't Mr. Bogle himself just say in his latest interview that it might be worth reducing your equities position by around 10%? He is definitly smart money :wink:
by ChinchillaWhiplash
Mon Oct 15, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: PSA: Colorado 529, Employers can contribute to employee and get a 20% tax credit
Replies: 0
Views: 174

PSA: Colorado 529, Employers can contribute to employee and get a 20% tax credit

This is good news. An Employer can contribute up to $2500 to an employee's 529 plan to receive a $500 credit. Anyone know if this will work for a S-corp? Might be a way to reduce QBI some more. Here is a link to the new program. https://www.collegeinvest.org/workingfamilies/