Search found 534 matches

by JediMisty
Wed Jul 01, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11405

Re: What is the single best piece of exercise equipment you bought for your home?

Well, not technically bought for my home, but my fav exercise equipment is my scuba gear. Not as good a workout as some here can do, but wonderful...
by JediMisty
Mon Jun 29, 2020 8:05 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital Acquired
Replies: 33
Views: 3592

Re: Personal Capital Acquired

I had a PC account a few years ago but deleted it because with all of the data breaches that have happened, I no longer feel comfortable with any one company having all of my account information stored on their mainframes, no matter what security measures they've taken. +1. I occasionally update on...
by JediMisty
Thu Jun 25, 2020 4:48 pm
Forum: Personal Investments
Topic: Is Roth 401k worth it if I want to retire before 65?
Replies: 23
Views: 1929

Re: Is Roth 401k worth it if I want to retire before 65?

I have been maximizing my 401k contribution. We have a goal to retire by 55 (60 years old the latest). We are in early 30s now. Right now I am splitting 50/50 between Roth and Pretax 401k since I don't know which tax bracket I will be when I am retired. Recently I have been debating to just do Pre-...
by JediMisty
Mon Jun 22, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate closing - what time of day of closing does ownership transfer?
Replies: 31
Views: 1658

Re: Real estate closing - what time of day of closing does ownership transfer?

Part of closing usually involves signing paperwork that states you are handing over all keys and fobs. If they are signing locally, they may well expect to go and enjoy their new home straight after closing. If you can't make arrangements with the new owners, you should make arrangements to have th...
by JediMisty
Tue Jun 16, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1587

Re: House cleaning in Covid

Thank you for sharing your experiences. Lots of good points to consider. The county she lives in is actually doing better than ours. I can provide fresh gloves and mask so she does not have reuse. Those who have resumed. what do you do after she leaves? Do you wipe down anything? My cleaners have c...
by JediMisty
Fri Jun 12, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer title of auto to son -- necessary?
Replies: 40
Views: 2398

Re: Transfer title of auto to son -- necessary?

I was sued. Did I mention that the woman worked for lawyers? Her fender was barely scratched, but she claimed she was disabled permanently. (I suppose it was coincidence that she was in her sixties when she was in the accident and retired shortly after.) She got about 20k from my insurance company....
by JediMisty
Tue Jun 09, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer title of auto to son -- necessary?
Replies: 40
Views: 2398

Re: Transfer title of auto to son -- necessary?

Hypothetical here maybe not realistic but I'll ask anyway. My son will need a vehicle at college for his junior year. We have a car he uses for summer that we don't use. I'm 55 and my biggest fear is financial ruin ... is it possible he has accident with the car and we the parents lose our retireme...
by JediMisty
Sat Jun 06, 2020 2:12 pm
Forum: Personal Investments
Topic: Megabackdoor Roth entire paycheck (almost)?
Replies: 37
Views: 1876

Re: Megabackdoor Roth entire paycheck (almost)?

I would definitely put money in mega backdoor Roth even if that means spending down taxable to cover cash flow needs. That's what we're doing. +1. But I'm over 59 1/2, so only small EF needed. And my company now auto converts my after-tax to Roth 401k, so no issue there. I contributed the max the l...
by JediMisty
Fri Jun 05, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 question
Replies: 32
Views: 2613

Re: Rule of 55 question

But that does not seem to be the scenario described by the poster either. I think the poster is asking about taking distributions from earlier 401k while still working. That would be item 3 in the article - working while withdrawing. I realize we are in agreement. The article in item 3 says that wh...
by JediMisty
Fri Jun 05, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 question
Replies: 32
Views: 2613

Re: Rule of 55 question

But that does not seem to be the scenario described by the poster either. I think the poster is asking about taking distributions from earlier 401k while still working. That would be item 3 in the article - working while withdrawing. As I mentioned in my first response to the OP, we had also been w...
by JediMisty
Fri Jun 05, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 question
Replies: 32
Views: 2613

Re: Rule of 55 question

I am 55 now. There will be a different name on my paycheck come 1/1/23. No interruption of work. Can I withdrawal from my old company 401K while working for the new company? The plan does allow for it. I'm thinking I can unless the funds are automatically put into the new company's 401K plan. At wh...
by JediMisty
Fri Jun 05, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 question
Replies: 32
Views: 2613

Re: Rule of 55 question

"The rule only applies to the 401k of your current employer. To get around that, you would need to roll the previous 401k into the new company's 401k." If I roll it into the new company's plan, I can then access it if I leave the new company...I get that. I was trying to figure out if I could keep ...
by JediMisty
Thu Jun 04, 2020 7:18 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536545

Re: What are you up YTD? [Year To Date]

I'm up about 2.3% ytd. This was due to buying some along the way down and keeping up retirement contributions YTD does not include contributions. There's a formula earlier in this thread. couldnt find the formula, but i f i take out contributions, it's up 2.7% I think the formula is in the wiki. If...
by JediMisty
Thu Jun 04, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536545

Re: What are you up YTD? [Year To Date]

I'm up about 2.3% ytd. This was due to buying some along the way down and keeping up retirement contributions YTD does not include contributions. There's a formula earlier in this thread. Why should money invested in January not count in year to date performance? Investment gains or losses incurred...
by JediMisty
Thu Jun 04, 2020 4:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536545

Re: What are you up YTD? [Year To Date]

bugleheadd wrote:
Thu Jun 04, 2020 3:10 pm
I'm up about 2.3% ytd. This was due to buying some along the way down and keeping up retirement contributions
YTD does not include contributions. There's a formula earlier in this thread.
by JediMisty
Wed Jun 03, 2020 9:16 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 131
Views: 8031

Re: Does every one here only have 3 funds in their portfolios?

I am asking because I think there are a lot of things that have distinctions without a meaningful difference. +1 Another example would be Tax Loss Harvesting pairs, triplets, etc. Exactly. In taxable I hold different funds than in my IRA so I can tax loss harvest easily. And some cash (20k) in my s...
by JediMisty
Mon Jun 01, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12518

Re: Face mask recommendations

Anyone have a good reference to Etsy, Amazon, etc. for Cloth mask sellers (handmade okay) that: 1) Have a really good nose piece molding to mold around your nose (to prevent glasses from fogging). AND 2) Have extra large or adjustable ear loops. I have an assortment of masks now that have been give...
by JediMisty
Mon Jun 01, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12518

Re: Face mask recommendations

Anyone have a good reference to Etsy, Amazon, etc. for Cloth mask sellers (handmade okay) that: 1) Have a really good nose piece molding to mold around your nose (to prevent glasses from fogging). AND 2) Have extra large or adjustable ear loops. I have an assortment of masks now that have been give...
by JediMisty
Fri May 29, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6542

Re: How to get disinfecting wipes..seriously

PLAIN SOAP? I have a related question for any virus experts out there. Since I have read that plain soap kills the outside shell of the virus (that's why we're all supposed to just wash our hands with soap and water), why couldn't we just use soap and water to disinfect things such as counter tops,...
by JediMisty
Thu May 28, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12518

Re: Face mask recommendations

I need to get some face masks for a public outdoor event coming up soon. We’ve been using a headband and painter mask for the rare outings but am looking for something better. Any recommendations? Try yourbagtag.com. Small business. I buy luggage tags and tags for my dive gear from them. I've bough...
by JediMisty
Thu May 28, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6542

Re: How to get disinfecting wipes..seriously

PLAIN SOAP? I have a related question for any virus experts out there. Since I have read that plain soap kills the outside shell of the virus (that's why we're all supposed to just wash our hands with soap and water), why couldn't we just use soap and water to disinfect things such as counter tops,...
by JediMisty
Tue May 26, 2020 8:02 am
Forum: Personal Finance (Not Investing)
Topic: For EF "months", are we including unemployment benefits & stated severance policies? And both parts of a couple?
Replies: 19
Views: 1157

Re: For EF "months", are we including unemployment benefits & stated severance policies? And both parts of a couple?

There have been a number of threads recently where both earners are essentially zero'd. A megacorp will preserve itself however it decides to preserve itself. My employer has made a big deal about how our competitors are handling Covid. We all got 10% reductions in salary. Other companies (also meg...
by JediMisty
Sat May 23, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 7898

Re: NJ property taxes too high. What are my alternative states?

I have never understood why New Jersey, with all the tourist attractions, an entire coastline, casino's, and neighbored to New York has any budget issues. 1) State pensions and retirement healthcare. 2) A ridiculous amount of townships with their own police, fire, EMT, and school systems. 3) Poor c...
by JediMisty
Fri May 22, 2020 6:48 pm
Forum: Personal Investments
Topic: Current 401k contributions?
Replies: 10
Views: 851

Re: Current 401k contributions?

I max out mine - 63k including the match. Front load it due to job insecurity, leaving enough to get the 5% match. This represents a huge chunk of my salary after taxes. Since I'm 62 I worry less about having cash on hand, so I'm only on my third year contributing this much.
by JediMisty
Fri May 22, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20231

Re: What is your most luxury/expensive hobby.

Scuba diving. Lots of gear. I don't dive locally, so airfare and hotels, too. Though I travel economy and stay is lesser hotels, generally. Completed my 500th lifetime dive on my last trip.
by JediMisty
Thu May 21, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Car or Train? Plus, Used Car (Make/Model/Year) Recommendations for Long Commute
Replies: 36
Views: 1333

Re: Car or Train? Plus, Used Car (Make/Model/Year) Recommendations for Long Commute

Miami Metro Area. The drive will be frustrating, and thus my default was to take the train. But now that I'm seeing I likely won't save time or money, I'm willing to endure the drive a few times per week. I only wish Rick Ferri would make Bogleheads podcasts more than once a month! To me this would...
by JediMisty
Tue May 19, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6542

Re: How to get disinfecting wipes..seriously

I bought one container at Ace Hardware about two months ago. I've used maybe three sheets out of it. I rarely go out for any reason anymore. If I do go to the store, I wear gloves and then unload my groceries into the trunk and VERY CAREFULLY remove the gloves before entering the interior of the ca...
by JediMisty
Mon May 18, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6542

Re: How to get disinfecting wipes..seriously

I bought one container at Ace Hardware about two months ago. I've used maybe three sheets out of it. I rarely go out for any reason anymore. If I do go to the store, I wear gloves and then unload my groceries into the trunk and VERY CAREFULLY remove the gloves before entering the interior of the ca...
by JediMisty
Mon May 18, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6542

Re: How to get disinfecting wipes..seriously

Son of a gun, I also just looked it up and you're right. And I just got two bottles of concentrate from Costco a couple of weeks ago, which is 9.9% dimethyl benzyl ammonium chloride, a quaternary ammonium on EPA's website. Thanks! A lifetime supply! Well, they are targeted at cleaning my pool deck,...
by JediMisty
Mon May 18, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6542

Re: How to get disinfecting wipes..seriously

Walmart.com has 6 and 16 ounce bottles available right now. Two day shipping, limit 1 each. We just got ours yesterday. The Clorox brand non-bleach hand wipes has an active ingredient the same as a common cleaner I use on my roof called "Wet and Forget It". Buy a spray bottle and measure out .46 ou...
by JediMisty
Mon May 18, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6542

Re: How to get disinfecting wipes..seriously

Now, can someone tell me where I can get hand sanitizer? It's only to have with me for when I don't have access to soap and water, so I'd even be happy with a travel size. Walmart.com has 6 and 16 ounce bottles available right now. Two day shipping, limit 1 each. We just got ours yesterday. The Clo...
by JediMisty
Mon May 18, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6542

Re: How to get disinfecting wipes..seriously

Now, can someone tell me where I can get hand sanitizer? It's only to have with me for when I don't have access to soap and water, so I'd even be happy with a travel size. Walmart.com has 6 and 16 ounce bottles available right now. Two day shipping, limit 1 each. We just got ours yesterday. The Clo...
by JediMisty
Mon May 18, 2020 3:17 pm
Forum: Personal Investments
Topic: Best place to gradually save $6000 to max-out Roth IRA contribution in January
Replies: 54
Views: 3898

Re: Best place to gradually save $6000 to max-out Roth IRA contribution in January

I have also wondered about the OP’s question. I didn’t see it mentioned in the responses but if the OP is on the fence with income restrictions and you are contributing to a Roth IRA all year and then at the end of the year you’ve made too much money for direct contributions, what happens? Do you t...
by JediMisty
Sun May 17, 2020 5:12 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2910

Re: Dividend vs Total Return question

Ok. My main question is does the fact that you sold shares every month for 5 years and I did not matter at all? I'm wondering what the person who is selling shares every month is doing with the dividends received? Reinvesting? Spending.Income. Ok. So then that person is ALSO taking dividends and se...
by JediMisty
Sun May 17, 2020 4:58 pm
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2910

Re: Dividend vs Total Return question

hoops777 wrote:
Sun May 17, 2020 4:43 pm
Ok.
My main question is does the fact that you sold shares every month for 5 years and I did not matter at all?
I'm wondering what the person who is selling shares every month is doing with the dividends received? Reinvesting?
by JediMisty
Wed May 13, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11337

Re: Dentist charges $10 for PPE

The real issue now is that existing stocks, if any, were redirected to hospitals and first responders, leaving many dental supply places without ... supplies. With the COVID-19 issues, that means many dentists are either unable to get any supplies, closing their practice or limiting it to emergenci...
by JediMisty
Wed May 13, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13590

Re: Will "work from home" destroy the commercial real estate market?

My employer has decided to keep all our offices closed at least into early 2021. We were one of the first major companies to close and we'll be one of the last to open. We closed in the first week of March and may well be closed till next March. After a year+ of WFH I think it will be here to stay ...
by JediMisty
Sun May 10, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5170

Re: Got divorced how to get most value for exes wedding ring

Don’t know anything about wedding rings. Bought my ex a wedding ring that I paid about 10k 11 years ago. Looking to sell it, how do I go about this? I had a relatively benign divorce. Offered my former husband the ring back. No shouting or nastiness. He declined. Later I realized I'd never wear the...
by JediMisty
Sat May 09, 2020 12:17 pm
Forum: Investing - Theory, News & General
Topic: The advice you give vs the approach you use
Replies: 36
Views: 2153

Re: The advice you give vs the approach you use

If a family member or friend comes to you and asks - “how should I invest for retirement?” - what is your typical response? Assume the person has no existing knowledge about investing but is sincere, lives below their means, and will likely follow your advice if it’s easy. How much does this advice...
by JediMisty
Tue May 05, 2020 8:07 pm
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 31123

Re: My theory about FIRE

But the part I don't get is all the promising smart people (which you have to be to be able to attain FI early) that go into careers that they hate and suffer through them for a decade or two, so they can "retire early" to do something else (that's still productive). It just makes no sense to me at...
by JediMisty
Mon May 04, 2020 8:10 pm
Forum: Personal Investments
Topic: Tell me what I don't know about retirement?
Replies: 55
Views: 5031

Re: Tell me what I don't know about retirement?

It took me most of a year to mostly unwind from my work routine. And now, 18 months into retirement, I still wake up before 5am to exercise, just as I did when I was working. I just can’t seem to sleep in at all. I feel like you could lick this issue. Try drinking too much or wild parties. I know y...
by JediMisty
Mon May 04, 2020 5:54 pm
Forum: Personal Investments
Topic: TLH: VTSAX held in taxable and retirement accounts
Replies: 16
Views: 1064

Re: TLH: VTSAX held in taxable and retirement accounts

I inherently know this, I guess the question in my mind is is it better just to be mindful of the implications when TLH opportunities arise, or maintain positions in similar but different funds (like VFIAX)? I hold VTSAX in IRAs and Roth IRAs and VFIAX (s&p 500) in taxable. And I have dividend rein...
by JediMisty
Mon May 04, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Window AC for bedrooms and living room, any recommendations?
Replies: 28
Views: 1411

Re: Window AC for bedrooms and living room, any recommendations?

Where is this? I can't imagine anywhere outside Alaska or above 8,000 feet that wouldn't have A/C other than some low income areas. Any older building in any city? Walk around NY some time and look at how many window units there are (I mean, when the pandemic is over). Why does a window unit depend...
by JediMisty
Mon May 04, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Window AC for bedrooms and living room, any recommendations?
Replies: 28
Views: 1411

Re: Window AC for bedrooms and living room, any recommendations?

Where is this? I can't imagine anywhere outside Alaska or above 8,000 feet that wouldn't have A/C other than some low income areas. Any older building in any city? Walk around NY some time and look at how many window units there are (I mean, when the pandemic is over). Why does a window unit depend...
by JediMisty
Mon Apr 27, 2020 3:35 pm
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 20240

Re: Why am I even saving for retirement?

“We” isn’t guaranteed in the future, plan enough for retirement like you’re going to be living off of your accounts alone. You may think that can’t happen, I didn’t think so 5 years ago and it did. My solace came that I always had a what if for my accounts alone and I was fine. +1. Except I've been...
by JediMisty
Sun Apr 26, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18145

Re: Bird watchers – what birds are you seeing?

Suddenly a woodpecker is terrorizing my house and my next door neighbors. It's 60 feet up where it's pecking, so no easy way to scare it off. Oddly this has never happened in the 21 years since this house was built. And the house has vinyl siding. Been going on a couple of weeks. I have no idea why...
by JediMisty
Sun Apr 26, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 501
Views: 18145

Re: Bird watchers – what birds are you seeing?

Suddenly a woodpecker is terrorizing my house and my next door neighbors. It's 60 feet up where it's pecking, so no easy way to scare it off. Oddly this has never happened in the 21 years since this house was built. And the house has vinyl siding. Been going on a couple of weeks. I have no idea why....
by JediMisty
Sun Apr 26, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Take Social Security now, at 66, during Corona-virus?
Replies: 61
Views: 5011

Re: Take Social Security now, at 66, during Corona-virus?

Four years ago I had itchy fingers to go ahead and file at 62, but felt it was better to wait till 66 since I didn't need the income, etc. Well I'll be 66 in a few months, and was planning on filing my online application in May. Even now, I still don't need the income, but am happy I waited at leas...
by JediMisty
Thu Apr 23, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2399

Re: House Cleaning and Covid

I am having them on their regular every two weeks schedule. They only clean the bathrooms and kitchen. Before they arrive, I remove everything from the counters in all rooms and the towels. I stay in my home office while they are here. Once they leave I disinfect everything that I usually touch - do...
by JediMisty
Tue Apr 21, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6373

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

We bought a Corolla years ago when price was more important than space and comfort. Today it'd be a Camry. I wouldn't consider a Prius. +1. Exactly. Also, I can bring home lots of things from the big box home improvement stores in my Camry. But as others said, Corolla easier to park in the city. Ch...