Search found 77 matches

by xenochrony
Fri Mar 29, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: How much $$ would it take for you walk away from investing?
Replies: 45
Views: 4089

Re: How much $$ would it take for you walk away from investing?

Say you're retiring at 40. Your annual expenses are $50k. You've "won the game" and have amassed a large net worth. You don't want to take any more risk, so you go 100% cash and walk away from investing completely. How much money would it take for you to be comfortable doing this? $4 million? $7 mi...
by xenochrony
Fri Mar 29, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: 2012 Honda Fit MPG issue
Replies: 49
Views: 3059

Re: 2012 Honda Fit MPG issue

I've got a 2013 Fit and buy Costco gas exclusively. I agree with the above posts. When you take your foot off the gas the MPG meter should peg at >80 mpg, until momentum is lost. The fact that your only registering 40 mpg in this scenario suggests a real problem and this observation should help a kn...
by xenochrony
Sun Mar 24, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Where do you find high paying jobs?
Replies: 72
Views: 5349

Re: Where do you find high paying jobs?

I don’t think there is a single degrees professional in our business over thie age of 30 that doesn’t make at least $75K and I’d say 75% are over $100K, with great benefits and a pension. And this is an industrial company in a LCOL area. We have mechanical engineers starting out of college at $65K ...
by xenochrony
Sat Mar 23, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Moving from NYC to Miami
Replies: 18
Views: 1854

Re: Moving from NYC to Miami

I lived in south beach, mid beach, north beach, and on several little islands in Biscayne Bay. South of 5th sounds crazy from what your looking for. I would highly recommend mid or north beach. You wont be able to walk, but these places are profoundly different from south beach.
by xenochrony
Wed Mar 13, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Planning Machu Picchu, Inca Trail vs Salkantay?
Replies: 17
Views: 1165

Re: Planning Machu Picchu, Inca Trail vs Salkantay?

Don't mean to hijack the thread, but I'm curious what this trip cost those of you who have been? Machu Picchu is probably #1 on my list of places to visit before I die. I'm 37 now with kids 4 & 6. It's my dream to take my wife and the kiddos there for a 3-4 day trek when they're in high school or c...
by xenochrony
Wed Mar 13, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: another Honda/Takata recall
Replies: 10
Views: 1187

Re: another Honda/Takata recall

Interesting. I filled out the paperwork for the Takata Airbag settlement at least 9 months ago and have received no check in the mail yet. It's been so long, I really dont expect to receive anything. I have had both my Honda driver, (and more recently) passenger airbag recall services completed, so ...
by xenochrony
Wed Mar 13, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Planning Machu Picchu, Inca Trail vs Salkantay?
Replies: 17
Views: 1165

Re: Planning Machu Picchu, Inca Trail vs Salkantay?

I did the Inca Trail via Salkantay. It is beyond spectacular. You will not regret doing it. Prior to the Salkantay route joining up with the inca trail (at Huaylabamba?) there are almost zero tourists, all locals using the route. It is a completely different experience than the Inca Trail and the ju...
by xenochrony
Wed Mar 13, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6227

Re: How many companies have you worked for?

Age 50. Following the completion of a lengthy PhD, I have worked 5 jobs, 4 of which were companies. This period also includes an extended period of unemployment.
by xenochrony
Sun Mar 10, 2019 1:34 pm
Forum: US Chapters
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 173
Views: 25389

Re: How Did You Become A Boglehead? What Led You Here?

In 2013 I suffered a complete nervous breakdown which, due to severe and chronic anxiety/panic/insomnia, led me to the emergency room and on pyschiatric meds. As I slowly weaned myself off those dangerous drugs, I begun to ask myself "what happened to me?," "why did i evolve from a pretty happy go l...
by xenochrony
Sun Mar 10, 2019 1:09 pm
Forum: Personal Investments
Topic: Thoughts on VNQ? [Vanguard Real Estate ETF]
Replies: 39
Views: 3594

Re: Thoughts on VNQ?

I have held VGSLX in my IRA for over 10 years. If you want to overweight real estate (REITs) in your portfolio, VGSLX or VNQ are perfectly fine funds. Personally, I hold them for their extra diversification benefit, but have to admit, I do like the yield.
by xenochrony
Wed Feb 27, 2019 8:30 pm
Forum: Personal Investments
Topic: Smartest Investing Moves
Replies: 24
Views: 3457

Re: Smartest Investing Moves

Reading Random Walk Down Wall Street as suggested by a friend; then bogle, Bernstein, swedroe Starting Keogh plan as soon as I started working Opening ROTH IRA for kids MAXIMIZING ret plan yearly in January READING AS MANY BOOKS AS I COULD and learning from every possible source Making my retiremen...
by xenochrony
Wed Feb 27, 2019 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Question on Affordable Care Act
Replies: 19
Views: 1236

Re: Question on Affordable Care Act

I too, live in urban southern California. My Kaiser ACA policy (for family of 4) costs me 23,400. I am slightly over the ACA cliff for receiving any subsidies and have already pulled all levers available to keep under the cliff. Have you tried income bunching? Go over the cliff by a lot in one year...
by xenochrony
Tue Feb 26, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Affordable Care Act
Replies: 19
Views: 1236

Re: Question on Affordable Care Act

There are massive price differences between states, and even locations within a single state. States that have embraced the ACA generally have lower premiums than states that have fought it, and urban areas have lower prices than rural. L iving in urban Southern California, I have a hard time belie...
by xenochrony
Mon Feb 11, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 363
Views: 28527

Re: Smaller tax refunds this year? Clear explanation please

Refund? What's that? :D

Wife and I enjoy a lower effective income tax rate in 2018 as compared to 2017 due largely to the Sec199A QBI deduction that we both receive for our respective businesses. 20% deduction ain't chump change.

xenochrony
by xenochrony
Fri Feb 08, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 7568

Re: How many hours do you work and what do you outsource

I'm FT self-employed, wife is PT self-employed. I never work a minute over 40 hrs or ever bring work home with me (that is, work I perform for clients). That said, I do spend extra time (over the 40hr) at home running my business (invoicing, admin stuff, payroll, etc). We outsource absolutely nothin...
by xenochrony
Thu Feb 07, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Comparison of results using different tax return software?
Replies: 3
Views: 421

Re: Comparison of results using different tax return software?

Two points I would make that may only be tangentially related to your question are: 1. After putting in my input data to TT Home & Business software on Dec 29 2018, every few days in 2019 I fire up the software, let it run its updates then examine my tax liability. Every single update has changed my...
by xenochrony
Mon Feb 04, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 46
Views: 2674

Re: Tips/suggestions for skiing out west?

For easy access to a lot of HIGH QUALITY skiing, you cant beat flying into either SLC or Tahoe (Reno). Youll have immense choices to suit your particular needs. Christmas can be dicey as some years the snow doesnt start falling until January, in that case youd be skunked bad. SLC has a lower probabi...
by xenochrony
Sat Feb 02, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7160

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

currently 50 years old. estimating 25-40%. as some of the unknowns become known over the next decade, this range will narrow to a more precise estimate.
by xenochrony
Fri Feb 01, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?
Replies: 43
Views: 2276

Re: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?

I have a decent sized EF at Ally. Every 12-15 months, I also secure a CC with 0% rate that lasts for 12-15 months. Each time this CC intro rate expires. I apply for another 0% CC. I have never paid a penny interest or fees for them, in fact I have cashed in on bonuses/rewards. If I have a long term ...
by xenochrony
Mon Jan 28, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3669

Re: Do you do backpacking in your 50s or 60s?

Yes, I am 51 and have backpacked for decades, and continue to do so. I see many folks in their 50s, 60s and even some in their 70s backpacking. My destinations are usually mountain, jungle, tundra in various countries. International hostels usually do have primarily young backpackers, I do not stay ...
by xenochrony
Thu Jan 24, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Victim of my own success! How to deal with a complex life?
Replies: 103
Views: 9034

Re: Victim of my own success! How to deal with a complex life?

Simplify. Across your entire life.

I highly recommend Henry David Thoreau's book "Walden" in this regard.
by xenochrony
Fri Jan 11, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Non deductable IRA Contributions
Replies: 16
Views: 718

Re: Non deductable IRA Contributions

I contributed the max to a traditional IRA in 2018, however due to the income phaseout regulation for these contributions, about half is non-deductible. In my case, the best solution is to recharacterize the nondeductible traditional IRA contributions as Roth IRA contributions. This will allow them ...
by xenochrony
Wed Jan 09, 2019 2:05 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 137
Views: 7842

Re: BHers, what is your Roth IRA %?

0% of total retirement assets. Early 50s in age.
by xenochrony
Tue Jan 08, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Alta/Snowbird/Solitude
Replies: 6
Views: 883

Re: Alta/Snowbird/Solitude

Buying tix for alta/snowbird in advance on liftopia will get you a discount. earlier the buy, the bigger the discount. Im in the same boat as you, no 4x4/snow tires this year as we are flying in to SLC, not driving, like in years past. If little cottonwood is under chain control, you can just park a...
by xenochrony
Tue Dec 11, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: The new 1040 is certainly different
Replies: 10
Views: 2259

Re: The new 1040 is certainly different

I purchased TT2018 recently despite warnings that it is not fully operational yet. Can confirm this as several items are broken/missing. For example the 20% QBI deduction works correctly when drawing the relevant income from our Schedule C businesss, but NOT from my S-Corp K1. Hopefully, all these b...
by xenochrony
Tue Nov 27, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 9229

Re: How did YOU choose your career?

I have a late HS daughter. Perhaps painfully obvious, but I think the path forward is to dig deep introspectively and to discover what are our passions and talents are. Once we discover this, we are 90% of the way there. We just have to be really honest with ourselves. The thing is, a lot of career...
by xenochrony
Tue Nov 27, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 9229

Re: How did YOU choose your career?

I have a late HS daughter.

Perhaps painfully obvious, but I think the path forward is to dig deep introspectively and to discover what are our passions and talents are. Once we discover this, we are 90% of the way there. We just have to be really honest with ourselves.
by xenochrony
Tue Nov 27, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 6255

Re: Why is the Honda Fit so hard to find?

Last year I searched for a Honda Fit to purchase that meet my specifications, in the southern CA region. Much to my shock, there were very very few anywhere to be found. Add on the requirement that I would only buy a manual transmission, only scant numbers were available, and this was across a dense...
by xenochrony
Mon Nov 19, 2018 2:21 pm
Forum: Personal Investments
Topic: anyone buying individual stocks or sector ETF's?
Replies: 13
Views: 1203

Re: anyone buying individual stocks or sector ETF's?

Yes, a small % of total assets in 2 sector ETFs:

VDC (consumer staples) in a non-retirement, taxable account
VHT (health care) in IRA
by xenochrony
Mon Nov 19, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 19937

Re: Vanguard lowering Admiral level to $3,000?

Sure wish this applied to solo 401ks - hate being overcharged investor ER rates on total bond when I've met the admiral threshold a long time ago. The rate isn't competitive with Fidelity or other broad bond index funds. I really need to transfer to another company- but many have closing fees or do...
by xenochrony
Wed Oct 31, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4983

Re: Calculating ROI for PhD

Great thread; youve gotten a lot of useful comments here. I was very naive in my 20s and never considered ROI when pursuing a PhD. I was a dreamer, an idealist, not at all pragmatic. I ended up spending way too much time in grad school, and now looking back in the rearview mirror, I incontrovertibly...
by xenochrony
Wed Oct 31, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 5404

Re: Falling off the ACA subsidy cliff

I'm in a similar situation such as yourself, projected to fly right off that ACA cliff and if so, would have to pay back $10,000 in subsidies. Last year our MAGI was right below the cliff; this year both wife and myself made more income. I'm pulling every possible lever I can to get below the cliff....
by xenochrony
Tue Oct 16, 2018 7:37 pm
Forum: Personal Investments
Topic: Rollover Timing Risk
Replies: 6
Views: 347

Re: Rollover Timing Risk

I did this recently and was concerned about the timing risk. While theres just as much chance of an upside as there is downside to being out of the market during a rollover, the only thing I could do was to shorten the time period out of the market. Did this by using expedited service from the 401K ...
by xenochrony
Mon Oct 15, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8276

Re: Black Friday is coming.. what's on your list?

Turkey leftovers with the family and a long hard bike ride. No purchasing planned, brick and mortar or otherwise.
by xenochrony
Mon Oct 15, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy repayment for s-Corp owner
Replies: 10
Views: 826

Re: ACA subsidy repayment for s-Corp owner

I dont have an answer for you but I am also an s-corp owner, run health premiums through my company/payroll and have asked the same exact question as you in the past. Fortunately, I have been able to firmly plant myself just before the edge of the ACA cliff, but one year (maybe 2018?), I may not be ...
by xenochrony
Sat Oct 06, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 12665

Re: What is your annual cost for health insurance?

2018 Annual premiums for an ACA Gold HMO policy for our family of 4 is slightly over $20,0000 with a $0 deductible. Obviously that does not include co-pays, medicine, etc. Am a self-employed consultant. I have been raising my billable rate annually to accommodate health care price increases resultin...
by xenochrony
Fri Sep 28, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26335

Re: What is your single most expensive mistake?

PhD.. Can you elaborate? Did it have to do with the lost years of low pay and not being able to save anything for a decade or so? Absolutely. A decade of lost earnings/savings is a tremendous handicap. Just wondering because I have a few PhD friends and they regularly complained about the peasant g...
by xenochrony
Mon Sep 17, 2018 2:03 pm
Forum: Personal Investments
Topic: Help with Establishing a Custodial Account
Replies: 6
Views: 299

Re: Help with Establishing a Custodial Account

I just opened a custodial Roth IRA at Schwab for my 16 year old daughter who has some earned income this year. Super simple and will get her to start learning about investing. Took about 20 min to fill out the form.
by xenochrony
Mon Sep 17, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 8288

Re: I see now why Rollovers can take FOREVER ....

Even doubly stupid: My previous employer set up our 401k at Vanguard (yay!). My rollover IRA is at Vanguard. You would think this could mean it could all be done electronically, but, no, I have to have the Vanguard 401k cut a check, which is mailed to me, which I then mail back to Vanguard for depo...
by xenochrony
Mon Sep 10, 2018 3:40 pm
Forum: Personal Investments
Topic: AA for a 3 year old and 5 year old for 529
Replies: 15
Views: 1383

Re: AA for a 3 year old and 5 year old for 529

My 9 year old's 529 is Vanguard agressive global equity offerred through Utah: 100% stock (70% USA / 30% non-USA). I'll probably start dialing risk down in a few years.

In contrast, my 17 year olds 529 is heavily weighted in fixed income / cash-like instruments. :happy
by xenochrony
Sun Sep 09, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 21880

Re: Why Bull Markets Are Dangerous

Yes, RIck, bull markets make us all overconfident . I just laugh when people post here and say they have a high risk tolerance. That just tells me they haven't felt the pain from a bear market. In late 1999, I felt pretty smart. In mid-2002, I wondered what the heck I was doing. Pretty much went fr...
by xenochrony
Sun Sep 09, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 21880

Re: Why Bull Markets Are Dangerous

Duplicate post deleted.
by xenochrony
Sun Sep 09, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7585

Re: Anyone else playing catch-up in their 40's?

Yep, same here. Of course, I'll have to first make my obligatory "comparison is the thief of joy" comment. Stuck in grad school and the ensuing post-doc training period, I didnt have my first real first time job until I was well into my 30s. At the time I noticed my (ambitious/perceptive) peers who ...
by xenochrony
Mon Aug 20, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2256

Re: Retirement location planning

Hurricanes are what your missing. Do not underestimate these phenomenae. And the associated flooding, even with smaller tropical storm events. Finally, the excessive humidity, heat, and bugs will impact your active outdoor lifestyle goals as many times you will just stay inside as it is too damn hot...
by xenochrony
Tue Aug 14, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance student debt
Replies: 8
Views: 745

Re: Refinance student debt

Please bear in mind that if these are Federal loans, that aside from PSLF programs, you will lose the ability to claim forebearance or deferment of the loans should you fall upon hard times temporarily (unemployment etc.). Deferment of my student loan during my unemployment in the Great Recession no...
by xenochrony
Tue Aug 14, 2018 5:28 pm
Forum: Personal Investments
Topic: SEP to solo-401k
Replies: 8
Views: 710

Re: SEP to solo-401k

I spoke at length with the Small Business team at Vanguard about this exact issue. Yes, you can "have" an open solo401K and SEP IRA in the same year. What you cannot do is contribute to both in the same year. Once youve made a SEP contribution for fiscal year 2018, you cannot make a solo401K contrib...
by xenochrony
Tue Aug 14, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 109683

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I thought long and hard before establishing developed markets as 20% of my total equity exposure in my IPS. This choice was based on much reading and analysis. The OPs argument unconvincingly makes me question my choice.

xenochrony
by xenochrony
Fri Aug 03, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26487

Re: most compelling TV character ever

Al Bundy as most compelling

Jerry & Cosmo tied for second (Seinfeld)
by xenochrony
Fri Aug 03, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 23
Views: 2152

Re: Good biotech funds

As compared to health care and/or the pharma sector, biotech, by definition, is much more risky. There might be a small handfull of mega-corp biotechs that defy this assertion, but I'd say that >90% of all biotechs are very risky, each with only 1-3 shots on goal (high quality preclinical/clinical c...