Search found 32 matches

by Stratotanker
Thu Nov 19, 2020 10:25 am
Forum: Personal Investments
Topic: Anybody else considering exiting a SCV tilt now that they're above water?
Replies: 43
Views: 3153

Re: Anybody else considering exiting a SCV tilt now that they're above water?

If one is 100% equities and has no bond allocation, then one cannot rebalance by selling bond fund shares and buy equity fund shares. But one can sell equity fund shares and buy bond fund shares. Thanks, Livesoft! I'll have to give bond funds another look after all... Am I right to think you treat ...
by Stratotanker
Thu Nov 19, 2020 10:01 am
Forum: Personal Investments
Topic: Anybody else considering exiting a SCV tilt now that they're above water?
Replies: 43
Views: 3153

Re: Anybody else considering exiting a SCV tilt now that they're above water?

This is the crux of the matter. With SCV, I have found that "Once a year is ample" is ridiculously inadequate. Instead, one has to recognize a Really Bad Day for SCV and buy shares on that day or soon after. And by the same token, when SCV pops on a really great day, then one has to make ...
by Stratotanker
Mon Sep 21, 2020 7:54 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 555
Views: 78694

Re: Your USER NAME...what does it mean?

It's a nod to my former unit, which flies the KC-135 (Stratotanker).
by Stratotanker
Mon Sep 21, 2020 7:31 pm
Forum: Non-US Investing
Topic: Europeans - whats your net worth and age
Replies: 27
Views: 4570

Re: Europeans - whats your net worth and age

that_croatian_guy wrote: Mon Sep 21, 2020 6:30 pm Country Croatia (remote software-related contracting for US/EU clients)

Age: 31

Income for 2020 will be close to $200k NET, 2019 was around $100k, 2018 was $135k
Considering you're not a singer, soccer player or a corrupt politician, that is a surreal level of income for Croatia. Well done!
by Stratotanker
Thu Sep 10, 2020 10:16 pm
Forum: Personal Investments
Topic: How do your minor children invest?
Replies: 19
Views: 1607

Re: How do your minor children invest?

I opened an UTMA for each of my girls 3 years ago. They agreed to use their tooth fairy money and cash gifts from my parents to buy two shares of their favorite company. The younger one chose Disney. The older one loves animals so, after 2 minutes on Google, we chose Zoetis (didn't expect much but i...
by Stratotanker
Thu Sep 10, 2020 9:52 pm
Forum: Personal Investments
Topic: merrill edge brokerage bonus ME1000
Replies: 18
Views: 2113

Re: merrill edge brokerage bonus ME1000

This ended in July, told me it's just the 600 offer right now. I'll continue to seek out anything better though... any Bogleheads aware of a current bonus offer code? Please see https://www.doctorofcredit.com/merrill-edge-brokerage-up-to-1000-cash-bonus-for-moving-over-your-investments/. In the pos...
by Stratotanker
Tue Sep 08, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1582

Re: Federal Supervisory Engineer

Swansea wrote: Mon Sep 07, 2020 1:30 pm
LOL! I definitely enjoyed the comedic moments to make up for all the frustrating and unpleasant ones! :D
by Stratotanker
Mon Sep 07, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: Leaving your job: quitting for good vs sabbatical leave
Replies: 46
Views: 3772

Re: Leaving your job: quitting for good vs sabbatical leave

I can relate to your situation, especially the incredulous responses from people you talked to. Retiring early can be viewed as not just unconventional but also foolish and wrong, especially by more traditional folks. Last year I became unhappy with too many aspects of my job and field of work in ge...
by Stratotanker
Mon Sep 07, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1582

Re: Federal Supervisory Engineer

:happy You're welcome, I wish you much success (and patience, haha) in your federal journey! After reaching FIRE and leaving classification earlier this year, I no longer get to use any of the knowledge so it was nice to offer some insight. It was also nice to find another forum member with classifi...
by Stratotanker
Sun Sep 06, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1582

Re: Federal Supervisory Engineer

The government works differently from the private sector. Nonsupervisory work will sooner or later reach its dead end. In other words, there will be no more higher-graded opportunities based on technical work. You will progress through steps (either regular or quality step increases) until you reach...
by Stratotanker
Sun Sep 06, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1582

Re: Federal Supervisory Engineer

I agree with Swansea; it would be interesting to see the evaluation statement because, per the GSSG, the base level of work is based on 25% of the subordinate workload (see Factor 5 - Difficulty of Typical Work Directed). If the position is titled "Supervisory", that means the GSSG has bee...
by Stratotanker
Sat Sep 05, 2020 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1582

Re: Federal Supervisory Engineer

A 13 supervising 13s? I'm guessing the position supervises a team that is comprised of more lower grades as well? While the compensation is the same, I think this job would allow you to gain valuable experience to later be promoted to 2nd level supervisor. What is the ladder for a nonsupervisory eng...
by Stratotanker
Wed Oct 02, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 16079

Re: Willingly going from lucrative job to unemployed?

OP, I fully understand what you’re going through as I’m going through the same thing right now. Have you checked out the Mr. Money Mustache blog and forum? Some of the folks and ideas there are a bit “granola” but I think you’ll find the participants less cautious and far more sympathetic to your FI...
by Stratotanker
Fri Aug 02, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Home Characteristics for Homeowners Insurance
Replies: 4
Views: 567

Re: Home Characteristics for Homeowners Insurance

I would personally want it insured at an accurate valuation. Why not run both scenarios to see what they estimate the value at and it’s impact on your premium (doubtful it’s that big of an impact)? Also, presume you own the home free and clear or have a sufficient LTV? KT785 Yes, we paid off our mo...
by Stratotanker
Fri Aug 02, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Home Characteristics for Homeowners Insurance
Replies: 4
Views: 567

Home Characteristics for Homeowners Insurance

Hi everyone, Our homeowners insurance is up for renewal and the packet we just received had some errors so I logged in to make the necessary changes and then realized the “Characteristics of Your Home” part of the web site had been upgraded since the last time I used it. A lot fancier and a lot more...
by Stratotanker
Fri May 03, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: VanguardAdvantage Debit - Croatia/Slovenia
Replies: 9
Views: 992

Re: VanguardAdvantage Debit - Croatia/Slovenia

I was in Zagreb, Croatia last summer. Places like hotels, prominent restaurants, supermarkets, large stores and the like will definitely take credit cards. Smaller establishments like ice cream shops, some cafes, mom and pop eateries, etc. will only take cash. As suggested earlier, I’d bring a few h...
by Stratotanker
Mon Apr 22, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 13322

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

We've decided against purchasing long-term care insurance and I want to grow our net worth some more to feel more confident about being able to cover such expenses on our own down the road. For me, moving into a cheap facility due to a lack of funds is a nightmare scenario. Of course, all kinds of f...
by Stratotanker
Thu Apr 04, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 44
Views: 5557

Re: Best enhancement for folks who work from home

Fed Gov't Human Resources
by Stratotanker
Tue Mar 26, 2019 7:23 am
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 301
Views: 24686

Re: Market timers thread

The only approach to market timing I employ is the one favored by Livesoft... Except, of course, I'm far more of an amateur than he is. Nevertheless, OP was not looking for advice/opinions whether market timing (vs. staying the course) was a good strategy. He was simply using this forum to exchange ...
by Stratotanker
Sun Mar 17, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Personal health and exercise websites?
Replies: 10
Views: 1136

Re: Personal health and exercise websites?

I've been using Fitness Blender for about 2 years now and am in the best shape of my life. They have their own website (www.fitnessblender.com) and over 5.5 million subscribers on YouTube. Videos have varying degrees of exercise difficulty/intensity/length/style (strength training, cardio, HIIT, pil...
by Stratotanker
Tue Mar 05, 2019 9:29 pm
Forum: Personal Investments
Topic: Next steps for investing?
Replies: 9
Views: 1108

Re: Next steps for investing?

Your kids are too young for jobs but some of the extra money could be diverted to 529s or UTMAs.
by Stratotanker
Tue Mar 05, 2019 3:13 pm
Forum: Personal Investments
Topic: Question re strategy for transferring inherited IRA from TRowePrice IRA to Vanguard
Replies: 5
Views: 447

Re: Question re strategy for transferring inherited IRA from TRowePrice IRA to Vanguard

I just transferred my Roth IRA from TRP to Vanguard last week. Instead of selling, I transferred it in kind. Once it arrived, I sold it immediately. The next morning the money was in my settlement account and I bought a Vanguard fund (sold TRREX, bought VGSLX). No fees, everyting was free. At some p...
by Stratotanker
Fri Mar 01, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: Help negotiating a Federal position
Replies: 43
Views: 2372

Re: Help negotiating a Federal position

Yes, HR in the federal service seems to be designed to confuse and frustrate. The challenge is also finding the most current publication as each VA handbook has been revised about a million times, with obsolete versions still floating around the net. You may first want to take a look at Part II, App...
by Stratotanker
Fri Mar 01, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Help negotiating a Federal position
Replies: 43
Views: 2372

Re: Help negotiating a Federal position

[quote=stan1 post_i OP, what occupation is this? [/quote] Medical Support Assistant [/quote] Medical Support Assistants (0679) were the last to be converted to Hybrid from what I recall. As a Hybrid, the position is eligible for pay setting flexibilities but, unfortunately, Title 5 rules apply for l...
by Stratotanker
Fri Mar 01, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Help negotiating a Federal position
Replies: 43
Views: 2372

Re: Help negotiating a Federal position

OP, what occupation is this? If the job is at the Veterans Health Administration and provides direct patient care or services supporting the provision of direct patient care (as most series within the 0600 occupational group are), it'll be a Title 38 or Hybrid position so pay setting, leave accrual,...
by Stratotanker
Thu Feb 28, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 342
Views: 24443

Re: How do YOU make coffee?

I buy whole bean organic coffee (Ruta Maya), grind it, and make cold brew in the Oxo Good Grips Cold Brew Coffee Maker. Coffee brewed with hot water is way too bitter for my taste and I've been trying to cut back on sugar. Cold brew does require some planning in the sense the coffee/water mix has to...
by Stratotanker
Wed Feb 27, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: What vacation travel "extras" do you find worthwhile? (and why?)
Replies: 43
Views: 5022

Re: What vacation travel "extras" do you find worthwhile? (and why?)

Vacations are a big deal for me. I tend to be minimalist in other areas of my life as I don't like to spend money on a bunch of stuff... whether it's clothes or gadgets or whatever. Unlike stuff, experiences (and subsequent memories) bring me immense joy. Staying at a nice hotel, eating at nice rest...
by Stratotanker
Tue Feb 26, 2019 1:20 pm
Forum: Personal Investments
Topic: Vanguard TSM closed?
Replies: 4
Views: 709

Re: Vanguard TSM closed?

Are you maybe exchanging less than $3K? When I was researching Vanguard funds, I noticed the investor share class was closed for some but ETF and admiral (with a minimum investment) were open.
by Stratotanker
Mon Feb 25, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: best way to borrow about $300K for a few months for new house
Replies: 33
Views: 3115

Re: best way to borrow about $300K for a few months for new house

I apologize in advance for asking this question here... I don't mean to hijack this thread. If the OP were to use a home equity loan or HELOC, wouldn't the financial institution ask what the loan would be used for? I remember when we took out a home equity loan to renovate our kitchen, the applicati...
by Stratotanker
Fri Feb 22, 2019 6:59 pm
Forum: Personal Investments
Topic: Check-in for Military Family, Goal: FIRE in 8 yrs
Replies: 9
Views: 1594

Re: Check-in for Military Family, Goal: FIRE in 8 yrs

Regarding question #6, wouldn't your husband be eligible to transfer his Post 9/11 GI Bill to your kids? My husband retired with a 100% P&T disability and we have two kids. We expect the combination of the GI Bill and the VA Survivors' and Dependents' Educational Assistance program (plus the Yel...
by Stratotanker
Fri Feb 22, 2019 6:29 pm
Forum: Personal Investments
Topic: Just read the book, now I need your help getting organized!
Replies: 29
Views: 3492

Re: Just read the book, now I need your help getting organized!

I'm sure the more seasoned Bogleheads will have plenty of sound advice to offer but I just wanted to recommend The White Coat Investor (who also contributes here from time to time) at whitecoatinvestor.com. The site offers an abundance of awesome physician-specific financial advice and articles. Phy...
by Stratotanker
Tue Feb 19, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Don't Save your pymt info online
Replies: 35
Views: 4151

Re: Don't Save your pymt info online

I never voluntarily save my payment information but I've found that a lot of sites (at least the ones I frequently use) save your CC info without asking. You can uncheck "make this my default payment" box but it still saves it... it just isn't your default payment (!). So essentially, ever...