Search found 273 matches

by jhh9327
Fri May 08, 2020 10:50 am
Forum: Investing - Theory, News & General
Topic: As new jobless claims rise so does the stock market
Replies: 13
Views: 1937

Re: As new jobless claims rise so does the stock market

Unlike normal times, the jobless will, in aggregate, be getting just about as much money as they did when working. At least for the next 3 months. I am assuming those who file claims are, in fact, eligible for unemployment compensation. The income distribution for the jobless will change and be mor...
by jhh9327
Thu Mar 26, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63078

Re: So bottom is probably behind us....right?

For those who think the virus is slowing, it’s not. I am sorry to say this but every major city is going to look like NYC within the next month. Hospitals will be overwhelmed and we will all know friends or family who have been impacted by this virus. This will have major health and economic implic...
by jhh9327
Wed Mar 18, 2020 12:10 pm
Forum: Personal Investments
Topic: Update (Single large position in a single stock - Redfin)
Replies: 8
Views: 1302

Re: Update (Single large position in a single stock - Redfin)

And dropped quite a bit more today. Hope all is well with OP.
by jhh9327
Tue Mar 10, 2020 1:33 pm
Forum: Personal Investments
Topic: Help me allocate $6M in cash [Portfolio Help]
Replies: 27
Views: 2519

Re: Help me allocate $6M in cash [Portfolio Help]

While the research is clear on lump-sum vs DCA, given the current climate, I think I might DCA in with the following schedule: 20% Today 5% weekly x 16 Something to consider is that with another 10-20 million coming in the next 3-5 years, you in a longer term sense will already be DCA'ing, therefor...
by jhh9327
Mon Feb 17, 2020 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Pay1040.Com Question (Pay Tax With Credit Card)
Replies: 9
Views: 627

Re: Pay1040.Com Question (Pay Tax With Credit Card)

There are three ways to pay your taxes via credit card, and Pay1040.com is the cheapest one: https://www.irs.gov/payments/pay-your-taxes-by-debit-or-credit-card You can also set up a direct debit from your bank account. Am I correct in my understanding that American Express cannot be used for these...
by jhh9327
Wed Feb 12, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ultra High Deductible Health Insurance?
Replies: 53
Views: 3355

Re: Ultra High Deductible Health Insurance?

I just moved to paying for insurance on my own in January and my premiums are less than $1,200/mth for a family plan with a $10k family deductible and then 50% co-insurance up to $13k. Based on last 5 years, I expect the the total out of pocket for the year to be somewhere between $15k and $20k whi...
by jhh9327
Wed Feb 12, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ultra High Deductible Health Insurance?
Replies: 53
Views: 3355

Re: Ultra High Deductible Health Insurance?

I just moved to paying for insurance on my own in January and my premiums are less than $1,200/mth for a family plan with a $10k family deductible and then 50% co-insurance up to $13k. Based on last 5 years, I expect the the total out of pocket for the year to be somewhere between $15k and $20k whic...
by jhh9327
Thu Jan 16, 2020 10:45 am
Forum: Personal Investments
Topic: Does front-loading my HSA mean I'm missing out on 401(k) contributions?
Replies: 42
Views: 1936

Re: Does front-loading my HSA mean I'm missing out on 401(k) contributions?

The OP receives an employer match on up to 6% of compensation each pay period. Any pay period where the front loading of the HSA contribution reduces the available compensation to < 6%. The OP's 401k employee deferrals will be limited to that amount and they will not receive the full employer match...
by jhh9327
Thu Jan 16, 2020 10:13 am
Forum: Personal Investments
Topic: Does front-loading my HSA mean I'm missing out on 401(k) contributions?
Replies: 42
Views: 1936

Re: Does front-loading my HSA mean I'm missing out on 401(k) contributions?

Can the OP or someone else provide a theorotical example of numbers of what the issue here is? I'm not getting how front loading the HSA versus steady HSA contributions will reduce the overall 401k match for the year.
by jhh9327
Thu Jan 16, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: How to find an estate planner...
Replies: 13
Views: 1212

Re: How to find an estate planner...

For any kind of search like that, I start by asking people around me or in this case, your MIL, who they might recommend. I found my estate lawyer this way and have been happy with them. My parents found their estate lawyer by asking their CPA for recommendations. I don't have the answer to how to ...
by jhh9327
Wed Jan 15, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Greek Islands, during late March
Replies: 21
Views: 2157

Re: Greek Islands, during late March

Wife and I went to Athens and Santorini in mid April a couple years ago. Weather was warm, but not super hot which was fine by me. It was just the start of the season and Santorini was busy enough already (definitely go there, we loved it). If I ever go back, I'd probably go in May where it is still...
by jhh9327
Sun Nov 10, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Retire or work again?
Replies: 23
Views: 3079

Re: Retire or work again?

Congrats!
by jhh9327
Fri Apr 12, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 5879

Re: YouTube TV is increasing their price - will you cancel it?

For those that liked the Youtubetv option but missed having stations like Discovery, HGTV, TLC, etc a commonly suggested combination was to add in Philo for $16/mth. No need for that for the added $10/mth now. This is a win for that group. I didn't pay the extra for Philo but my daughter is much hap...
by jhh9327
Thu Apr 04, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Additional Costs for 3rd Child?
Replies: 74
Views: 3003

Re: Additional Costs for 3rd Child?

Our first child is a 2 y.o boy that has brought us a lot of joy. We are expecting our second child (another boy) later this year and have always thought 2 would be ideal for us. We will be more than grateful for two healthy kids. My wife was hoping for a daughter that she can do girly stuff with (s...
by jhh9327
Mon Feb 11, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36617

Re: Smaller tax refunds this year? Clear explanation please

Thesaints wrote:
Mon Feb 11, 2019 5:14 pm
Yes, a family composed of a high earner, a spouse who is not one, and 3 kids.
Not understanding your point. I provided two examples. One of a high-income family in a SALT state and another of a family who earns much less. Both have benefited from the tax changes. I know not everyone will.
by jhh9327
Mon Feb 11, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36617

Re: Smaller tax refunds this year? Clear explanation please

Only through two relevant tax returns to provide as data points this year. 1) High earner ($250k+) - High tax (SALT) state - 3 kids. Income went up by 10% yet effective tax rate dropped from 23% to 19% from prior year. AMT was a large number in previous years and that went away this year resulting ...
by jhh9327
Mon Feb 11, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36617

Re: Smaller tax refunds this year? Clear explanation please

Only through two relevant tax returns to provide as data points this year. 1) High earner ($250k+) - High tax (SALT) state - 3 kids. Income went up by 10% yet effective tax rate dropped from 23% to 19% from prior year. AMT was a large number in previous years and that went away resulting in lower ov...
by jhh9327
Mon Feb 04, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Opening New CC for Federal Income Tax Bill
Replies: 31
Views: 2760

Re: Opening New CC for Federal Income Tax Bill

I would set the cash advance limit on the card to $0 or as low as they will let. Sometimes these get coded as a cash advance and you will pay a 3% fee and get no cash back. I guess it is possible, but I've paid taxes several times with credit cards for similar reasons as OP, and it's never been cod...
by jhh9327
Wed Jan 23, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: wife seeking new job to escape megacorp hell
Replies: 58
Views: 6111

Re: Help needed: wife seeking new job to escape megacorp hell

Your wife's situation is: company was mildly unfair to her at the start of her career when she accepted a role a level below she was promised, she didn't stand up for herself and/or wasn't willing to move to get what she wanted, she turned down the management role the company offered because it was...
by jhh9327
Fri Dec 21, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118342

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I did a transfer in kind from TD Ameritrade tied to a HSA Bank account and was not charged a $50 fee from everything I can see. Same cash amount and ETF shares are now at Fidelity. Had $0.40 left in the HSA Bank side, which they took when I called and closed the account.
by jhh9327
Tue Nov 27, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 8122

Re: Employeer taking vacation days on public holidays - is this legal or normal?

OP, just to clarify, if she does NOT take a vacation day next to a holiday, is she paid for the holiday? No, she was never paid holidays, what changed is she is being forced to take a vacation day (and get vacation pay) for the holiday. What she’d rather do is use that vacation day later (still not...
by jhh9327
Thu Nov 15, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 4291

Re: Anyone have a bad experience with HDHP?

Annual "Free" medical exam: Ohh this is a pain point for me... This sort of applies to both plans and is a fallout of the ACA. We all now get a "free" annual exam / yearly checkup. My work tries to incentivize us by giving us a credit towards our premium if we get our exams. Well this has turned in...
by jhh9327
Thu Nov 15, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: PPO >, < or = HDHP
Replies: 9
Views: 1026

Re: PPO >, < or = HDHP

I believe HDHP plans are structured such that you pay everything till you meet your deductible, then you pay a coinsurance till you reach your OOP max and then you pay nothing. If your deductible is 3000 and OOP max is 8,000, you will pay coinsurance on any bills between 3000 and 8000, which will b...
by jhh9327
Fri Oct 26, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Beware of Interval Funds
Replies: 18
Views: 3006

Re: Beware of Interval Funds

It's been a little over a year since the last post here and almost two years since the thread started, so how have these types of funds done? I have a family member who likes to send me his advisor's newsletter and the latest round talks about them exiting all alternatives (Stone Ridge, AQR, etc) "m...
by jhh9327
Tue Jun 26, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 8884

Re: Family dynamics/in laws/am I being petty?

In years past we always split the bill This is kind of key also. It has been that way how long? Is it unreasonable for the in-laws to feel it should just continue as it always has? I'd say, no. They don't know you guys feel differently about the kids being bigger now unless you say something. Say s...
by jhh9327
Mon Jun 18, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 22480

Re: Top Shelf Liquor Overrated?

I’ve been comparing: Gordon’s Gin to Blue Sapphire Evan Williams Bourbon to Maker’s Mark Smirnoff Vodka to Grey Goose Kirkland Canadian Whiskey to Crowne Royale Kirkland Cognac to Remy Martin In most of these examples a half gallon is the same price as a fifth of the more expensive liquor. They are...
by jhh9327
Wed Jun 13, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 507
Views: 140462

Re: Anyone regret paying off mortgage early?

I regret pay off 4.5% mortgage. I should have invested in Total Stock Index to get the 11% return . BTW, the 4.5% effective rate for me is 4% after the mortgage tax deduction. Even during the 2008 crisis with every equity 40% off, if you stay in course for 2 more years, you will still ahead of payi...
by jhh9327
Wed Jun 13, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 507
Views: 140462

Re: Anyone regret paying off mortgage early?

This thread started in 2012. I wonder if anybody who responded back then now regrets having put all that money into their home equity instead of having that several hundred thousand dollars invested into the stock market at the beginning of a multi year bull run? The returns in the market have grea...
by jhh9327
Tue May 22, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 16281

Re: how do you tip on wine at a restaurant

I'm sure I missed the explanation from someone across the 150+ comments, but for those that tip less for wine than food, do you communicate this at all on the bill? Or do you just leave it for the server to try and guess why they "only" received a 13% overall tip (as an example) even though you were...
by jhh9327
Wed Jul 19, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 21244

Re: Is Amex Platinum worth the high fees?

Access to the Delta lounges when flying Delta has been a perk I've used quite a bit. But I'm strongly considering dropping it the next time the annual fee comes around due to the increase in the annual fee to $550. Don't use Uber enough to make up for the extra $100 they are now charging. The travel...
by jhh9327
Mon Jun 05, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 26624

Re: Flying first class, business, versus economy.

This is a timely topic for me. I've flown business class a couple times traveling for work since they pay for it on certain destinations, but always go economy on my own and with the family. It still mostly feels wasteful when on business knowing the extra cost even though I'm not paying (going to C...
by jhh9327
Fri Apr 14, 2017 7:29 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 6619

Re: Larry Swedroe on Understanding Different Types of Risk

Did you all read that thread? I just did and the exchange between Larry and avalpert had a gentleman in it and that person still is still posting here as of last night. The words "absurd" "equally absurd" "even more absurd" "nonsense" "you can not be serious" all in a single post. Larry has always r...
by jhh9327
Sat Feb 11, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 4563

Re: Convince Wife for Honda Odyssey

My wife loved her SUV and was completely against getting a minivan (the stigma of it as much as anything, IMO). And then we took a vacation with our three kids and the rental was a minivan and she fell in love with the space and usability of it that week. We now own a minivan and no SUV.
by jhh9327
Sat Jan 07, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 39345

Re: Annual Vacation Budget

I budget $20K a year for our family of 5 for travel/vacations. Anytime we travel away from home for more than a day trip, I expense it there including food and all other costs (ie. going camping for the weekend counts even if it is less than an hour from home and also the major trips like a cruise t...
by jhh9327
Tue Dec 27, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity DAF funded from Vanguard account
Replies: 7
Views: 884

Re: Fidelity DAF funded from Vanguard account

The529guy wrote:Fidelity DAF's Contribution Form has a section for Spec ID info (lot date, etc).
The printable form yes. I am asking about the on-line process. I can do the printable form, but curious to hear from those who have submitted it using the on-line process.
by jhh9327
Tue Dec 27, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity DAF funded from Vanguard account
Replies: 7
Views: 884

Re: Fidelity DAF funded from Vanguard account

Do you have a link to the forms you are filling out? On every transfer form that I have ever used, I am asked to describe the shares to transfer. I usually describe them with From account number #######, ZZZZ shares of XXXXX that were purchased on MM/DD/YYYY So your forms should let you specify the...
by jhh9327
Tue Dec 27, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity DAF funded from Vanguard account
Replies: 7
Views: 884

Fidelity DAF funded from Vanguard account

Hoping for some boglehead assistance here. My investments are with Vanguard, but have a DAF with Fidelity which I've only funded with cash from my checking account before. I have company stock at Vanguard that I want to donate some of in 2017 to my Fidelity DAF for the additional benefits rather tha...
by jhh9327
Tue Dec 27, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Hit salary cap. Receiving lump sum in lieu of raise
Replies: 51
Views: 9246

Re: Hit salary cap. Receiving lump sum in lieu of raise

I don't see any issue here....does it really matter if you get a lump sum or if the extra compensation is spread across 12 months? Yes it does matter just not in year 1. I'm normally more pro-company than most on this board, but unless you are leaving the company within 12 months, getting an annual...
by jhh9327
Sat Oct 29, 2016 6:47 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's latest market returns forecast
Replies: 380
Views: 53675

Re: Larry Swedroe's latest market returns forecast

This may be an imperfect analogy, but most professional gamblers do quite well winning in the mid 50% of their bets. If something can explain roughly 40% of return I wouldn't call it meaningless, and I doubt a professional of any stripe would either. I do believe that it might take a professional t...
by jhh9327
Thu Oct 06, 2016 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 2884

Re: Honda Accord Purchase Advice/Information

Here is where you want to go and read. Not sure if you are looking for a 2016 or 2017 or would point you directly to the correct thread. http://forums.edmunds.com/discussions/tagged/honda/honda 2017 Honda Accord Prices Paid and Buying Experience or 2016 Honda Accord Prices Paid and Buying Experience
by jhh9327
Sat Jul 16, 2016 5:52 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 9275

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

Wow, it's hard to believe no one capitalized on a bunch of arbitrary comments from a random person on internet gaming forums. Next time I see someone posting on the internet that something is going to be a big hit, I will be sure to add a significant portion to my portfolio. The point is not that y...
by jhh9327
Thu Jun 02, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 9421

Re: Jack Bogle will Appear on Webinar

Just finished up today's VG webinar. At the end, they mentioned that Mr. Bogle will be the guest on the next one in June. Vanguard Founder Jack Bogle celebrates 65 years in the financial services industry Date: Wednesday, June 15, 2016 Time: 3:30 p.m., Eastern time Please join our live conversation...
by jhh9327
Thu Jun 02, 2016 8:33 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 9421

Re: Jack Bogle will Appear on Webinar

Just finished up today's VG webinar. At the end, they mentioned that Mr. Bogle will be the guest on the next one in June. Vanguard Founder Jack Bogle celebrates 65 years in the financial services industry Date: Wednesday, June 15, 2016 Time: 3:30 p.m., Eastern time Please join our live conversation...
by jhh9327
Fri May 20, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 9469

Re: Pride in no inheritance to kids?

Member X had worked so hard that he does not communicate with his children at all for many year. So, sharing wealth -> yes. Sharing knowledge -> No. He tried to give the best possible education to his children. But, he cannot be there for his children . His children will not listen to him. I have b...
by jhh9327
Tue Jan 12, 2016 1:05 am
Forum: Personal Consumer Issues
Topic: Home window quotes
Replies: 16
Views: 4121

Home window quotes

So I've searched the site and read several other threads pertaining to replacing home windows, but looking to put out my specifics in hopes of solicited some sound advice. My wife is looking to make some house renovations including replacing windows in parts of the house. So she's started getting qu...
by jhh9327
Sat Jun 27, 2015 9:10 pm
Forum: Personal Consumer Issues
Topic: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.
Replies: 10
Views: 2268

Re: Bogleheads -"Raybo" knows Alcatraz! Bo knows football.

VictoriaF wrote:Thank you for the reminder of Raybo's kind offer.

Who is Bo? Was there football in Alcatraz or I am missing a joke?

Victoria
https://www.youtube.com/watch?v=-GPxkpjCvWI
by jhh9327
Wed May 06, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 142
Views: 76268

Re: Truecar -- isn't this just a car buying scam?

I have stated REPEATEDLY and explicitly that there are certain situations where it won't be at or close to the best price. But for most people most of the time, it will. And even when it isn't, it will still be a good price in almost all cases. You apparently found one of those cases where Truecar ...
by jhh9327
Wed May 06, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 142
Views: 76268

Re: Truecar -- isn't this just a car buying scam?

I would be willing to bet a large sum of money you'd have gotten that same price with Truecar and that the salesmen were just shuffling incentives behind the scenes to make it look like they were coming in under Truecar. A VERY large sum of money. Like I said, Truecar is just the MAX you will pay w...
by jhh9327
Mon May 04, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 142
Views: 76268

Re: Truecar -- isn't this just a car buying scam?

I bought a 2014 Honda Accord EX-L this past September. MSRP was $29,060. Truecar quoted me $26,809 and it was from a dealer in the next city over (1 hour away). Received an initial internet quote for $24,850 from a local dealer and purchased the car for $24,650 (plus TTL). Honda's are the best for ...