Search found 37 matches

by OCDinvestor
Fri May 15, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5170

Re: Secrets to a great lawn

What steps do you take to get a thick, green, luxuriant lawn? Looking for recommendations on: -timing of applications (we have children and pets, but pesticides and herbicides are OK with me within reason) -fertilizers -Weed control (pull manually vs herbicide) -pest control -watering (I have a spr...
by OCDinvestor
Wed May 06, 2020 6:49 am
Forum: Investing - Theory, News & General
Topic: Why doesn’t BRK just buy SP500 index fund?
Replies: 37
Views: 3474

Why doesn’t BRK just buy SP500 index fund?

If the CEO claims that SP500 index funds are very difficult to beat, what is stopping BRK from dumping several billion into an S&P500 index fund?
by OCDinvestor
Mon May 04, 2020 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: 30yr Jumbo Refi-- rates!
Replies: 6
Views: 1225

30yr Jumbo Refi-- rates!

Home value: 840k
Mortgage: 637k @ 4.5% ("Doctor mortgage" from Feb 2017)
LTV: ~76%
Single family home, primary residence, Credit 800+, Pennsylvania.

From my calculations, I can save $500+ per month if I can get 4.0% or below.

Can anyone share some companies that I should look into for refi?
by OCDinvestor
Mon May 04, 2020 10:34 pm
Forum: Personal Investments
Topic: College savings goals, changing in the new world?
Replies: 6
Views: 775

College savings goals, changing in the new world?

Parents with a <1 year old. Have a 529 funded.

Does anyone think that colleges will change in the future post-Covid, including tuition costs?
by OCDinvestor
Mon Apr 27, 2020 8:29 pm
Forum: Personal Investments
Topic: Employee i401k contribution: Net or Gross?
Replies: 1
Views: 173

Employee i401k contribution: Net or Gross?

I’m a W2 employee with a 401(a) at work, with a side gig sole prop and individual 401(k). The latter is small, maybe gross of ~10k and 2k expenses. When I calculate my maximum employee i401(k) contribution, do I use gross profit (ie: 10k) or net profit (ie: 8k)?
by OCDinvestor
Sun Mar 22, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: Winter tires in spring/summer?
Replies: 7
Views: 325

Winter tires in spring/summer?

Bought brand new Bridgestone Blizzak tires for our two cars this past winter. Unfortunately, now we're stuck with them on the cars and we're hesitant to bring them back to Costco to put our other tires back on (due to the current events). How bad is it to drive around on snow tires into spring and p...
by OCDinvestor
Wed Mar 18, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55496

Re: How to get Toilet Paper ? seriously.

bertilak wrote:
Wed Mar 18, 2020 11:26 am
Sandtrap wrote:
Wed Mar 18, 2020 11:22 am
Baby wipes?

When grandchildren come in handy.

j :happy
Another handy hint. If you are running low, use both sides.
:confused
by OCDinvestor
Wed Mar 11, 2020 3:10 pm
Forum: Personal Investments
Topic: How often and when does Vanguard actually deduct ER fees?
Replies: 6
Views: 317

Re: How often and when does Vanguard actually deduct ER fees?

Always been curious- when and how frequently does VG deduct the ER fees? Is there an “activity” log that shows this money actually being removed from my investments? Certainly were talking peanuts, just more of a curiosity question. Thanks! This happens daily, and you'll never see any sort of tiny ...
by OCDinvestor
Wed Mar 11, 2020 2:59 pm
Forum: Personal Investments
Topic: How often and when does Vanguard actually deduct ER fees?
Replies: 6
Views: 317

How often and when does Vanguard actually deduct ER fees?

Always been curious- when and how frequently does VG deduct the ER fees? Is there an “activity” log that shows this money actually being removed from my investments?

Certainly were talking peanuts, just more of a curiosity question.

Thanks!
by OCDinvestor
Sun Dec 15, 2019 8:31 am
Forum: Personal Investments
Topic: Annual UTMA tax-gain harvest
Replies: 5
Views: 324

Re: Annual 529 tax-gain harvest

I’m sorry! I had a brain fart... this is a UTMA account, not 529!
by OCDinvestor
Sun Dec 15, 2019 8:19 am
Forum: Personal Investments
Topic: Annual UTMA tax-gain harvest
Replies: 5
Views: 324

Annual UTMA tax-gain harvest

Started UTMA this year for newborn. Only has about $300, but plan to get this to around $10-15k by age of 21 (age of req’d transfer in my state). We only have like $30 in capital gains (short term as of now), but should I be harvesting gains each year since I’m well under kiddie tax? Should I be wai...
by OCDinvestor
Tue Nov 12, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Buying(or leasing) a car with OOS ID
Replies: 5
Views: 461

Buying(or leasing) a car with OOS ID

Mother-in-law is a CA resident, but wants to lease a car in PA as she will be living part-time in PA near her kids/grandkids. Nissan dealership would not let her lease the car since she didn't have a PA ID. Can you lease a car in state X without an ID from state X? Is it a lease specific issue? Woul...
by OCDinvestor
Thu Oct 17, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: ADT home security after contract expires
Replies: 23
Views: 2182

Re: ADT home security after contract expires

We own the equipment as we paid for all of the hardware when it was installed. I will negotiate toward the end of our 3 year contract due to some of the above posters. Thank you everyone.
by OCDinvestor
Wed Oct 16, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: ADT home security after contract expires
Replies: 23
Views: 2182

ADT home security after contract expires

We started with ADT about 2.5 years ago, which includes multiple glass-break alarms, door open alarms, a few fire/CO alarm and several outdoor cameras. We enjoy the service, but for ~$59/mo. service, we are contemplating life after our 3 year contract runs out. Has anyone successfully negotiated wit...
by OCDinvestor
Thu Oct 03, 2019 12:44 pm
Forum: Personal Investments
Topic: Maxing out: Solo401k vs MegaBackDoor Roth?
Replies: 6
Views: 401

Maxing out: Solo401k vs MegaBackDoor Roth?

Hi everyone, I'm a W2 employee for main job (not an owner) where I max out 403b and also max out after-tax contributions up to the $56K total maximum limit as my plan allows in-service Roth conversions. I'm in the 35% federal tax bracket and in a low-to-mid tax state (trying to preserve anonymity). ...
by OCDinvestor
Mon Sep 16, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: MintMobile... GSM vs. CDMA
Replies: 5
Views: 631

MintMobile... GSM vs. CDMA

I currently have Verizon Wireless and use an iPhone 7 Plus. It seems VW uses CDMA. On the MintMobile website on sign up, it says I can bring my GSM phone.

Does this mean my unlocked phone will not work on Mint Mobile? Tech people, help!
by OCDinvestor
Sat Sep 14, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11989

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I pay $59 with taxes and fees for a “postpaid” 4 GB plan, including phone line fee. The actual phone is owned outright.

If I were to switch to $35 prepaid plan, will my university discount work to bring it down any further?

Are there any hidden fees or taxes on these $35 prepaid plans?
by OCDinvestor
Wed Sep 11, 2019 1:31 pm
Forum: Personal Investments
Topic: In-plan Roth 403(b) rollover from after-tax contribution
Replies: 1
Views: 158

In-plan Roth 403(b) rollover from after-tax contribution

My retirement plan allows after-tax contributions after I max out the pre-tax employee contribution. They also allow us to do in-plan Roth conversions, including of this after-tax money, for which the only taxable amount would be the earnings that accumulated since contributing. Is this essentially ...
by OCDinvestor
Sat Sep 07, 2019 9:32 pm
Forum: Personal Investments
Topic: After-tax 403(b) vs. taxable
Replies: 2
Views: 368

After-tax 403(b) vs. taxable

Trying to understand the tax ramifications of after-tax 403b contributions above and beyond the $19K employee limit. My understanding: Pre-tax contribution- principle and earnings will ALL be taxed later at income tax bracket My understanding: Post-tax (Roth) contribution- principle taxed at income ...
by OCDinvestor
Wed Aug 28, 2019 9:11 am
Forum: Personal Investments
Topic: Requesting graph: stock:bond AA over time
Replies: 4
Views: 378

Requesting graph: stock:bond AA over time

Looking for a graph/picture which shows: X axis: Time-- maybe last 20-30 years Y-axis: Portfolio value Various lines of 100:0, 90:10, 80:20, etc. Basically, looking to show that increasing bond allocation smooths the peaks and troughs, but ends with a lower overall value. This is for an educational ...
by OCDinvestor
Tue Aug 13, 2019 10:03 am
Forum: Personal Investments
Topic: i401k on side hustle and w2 403(b) will exceed 56k accumulative. Ok? Also, math help please
Replies: 24
Views: 1471

Re: i401k on side hustle and w2 403(b) will exceed 56k accumulative. Ok? Also, math help please

"This is not necessarily true. The defined contribution annual addition limit (2019 = $56K) is separate for each "unaffiliated" employer. If the OP had a 401k and was not in a controlled or affiliated service group, then they would have a separate annual addition limit for their owner-only retiremen...
by OCDinvestor
Fri Aug 09, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: FA's outperforming market, need stats
Replies: 6
Views: 813

FA's outperforming market, need stats

Making a financial literacy PPT. Would like some of the commonly thrown around statistics about FA performance relative to the market.

___ underperform over 10 years, ___ underperform over 30 years, fees, etc.

I've seen them, but don't recall where.
by OCDinvestor
Wed Jul 31, 2019 9:54 am
Forum: Personal Investments
Topic: 30 yr 4.5% jumbo refinance—> two conforming loans
Replies: 2
Views: 375

30 yr 4.5% jumbo refinance—> two conforming loans

Home purchase in February 2017 Credit scores: Both ~800 Current home value: 850k LTV: ~76% Current mortgage: Jumbo 4.5% fixed 30 year Been paying $900 extra toward principle each month Looking to refinance to lower rate AND switch to a 15 year fixed. Been offered a few options by lenders: 3.375% fix...
by OCDinvestor
Tue Jul 30, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Storing documents--- trust, will, etc.
Replies: 22
Views: 2222

Storing documents--- trust, will, etc.

Copy of the trust, will, POA, health POA kept with attorney's office. 1.) Should I also give a copy to a family member or selected guardian of our minors? 2.) Store at home or elsewhere? 3.) Any good recommendations for fire and water-proof document-type safe to use? 4.) Where in house is the best p...
by OCDinvestor
Sat Jul 27, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care FSA
Replies: 8
Views: 723

Dependent care FSA

We will be hiring a nanny to take care of our young baby, who will care for him at my wife business-- she's a W2 employee. Through my W2 employer, I have the option of a dependent care FSA. How does this work with respect to a nanny who we are planning to pay off the books? Can we pay off the books ...
by OCDinvestor
Fri Jul 26, 2019 10:12 pm
Forum: Personal Investments
Topic: Two jobs, W4 allowances and the top tax bracket
Replies: 7
Views: 800

Re: Two jobs, W4 allowances and the top tax bracket

This is going to be tricky. If you were getting a consistent paycheck, you could choose S 0 and then add X dollars to be withheld per pay period. But I am guessing each paycheck could be for a very different amount. Have you considered using the safe harbor rules for withholding and then setting as...
by OCDinvestor
Thu Jul 25, 2019 9:47 pm
Forum: Personal Investments
Topic: Two jobs, W4 allowances and the top tax bracket
Replies: 7
Views: 800

Two jobs, W4 allowances and the top tax bracket

Job A: W2 employee, $500K annual salary (less $19K in 401k) Job B: W2 employee side gig, per diem shifts. How can I fill out the W4 to account for Job A? How do I get Job B W4 to withhold every single dollar paid at the highest federal tax bracket? If I do single and 0 allowances, it still won’t wit...
by OCDinvestor
Thu Jul 25, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Audible audio books
Replies: 14
Views: 1040

Audible audio books

How the heck does Audible, an Amazon company not allow in-app purchases on your phone?

How do you purchase a book? On a desktop!?
by OCDinvestor
Wed Jul 24, 2019 2:48 pm
Forum: Personal Investments
Topic: Teenage Son Wants to Start Investing
Replies: 27
Views: 1782

Re: Teenage Son Wants to Start Investing

Don't forget to teach him about taking credit on taxes for his IRA contribution. He may actually get some $$$ back. I'm trying to learn this stuff myself... I'm assuming the OP would want his child to contribute to a Roth IRA given his low current tax bracket. So how would he be able to get a credi...
by OCDinvestor
Wed Jul 24, 2019 9:21 am
Forum: Personal Investments
Topic: Solo401k contribution
Replies: 2
Views: 215

Solo401k contribution

https://obliviousinvestor.com/solo-401k-contribution-calculator/ Using the above calculator to determine the maximum contribution into my Solo401k for my side gig- structured as a sole proprietorship. 1.) In the above calculator, in the "Profit from Business line"-- Stupid question, but talk to me l...
by OCDinvestor
Wed Jul 24, 2019 7:41 am
Forum: Personal Investments
Topic: Student, New investor, Sizeable UTMA inherited, Need advice
Replies: 12
Views: 1153

Re: Student, New investor, Sizeable UTMA inherited, Need advice

Where is my logic flawed? With $0 salary as a student, would this put OP in 0% LTCG? With this, I thought OP could reset ALL cost basis and sell, them re-buy the funds with $0 tax implication. Looking to further my understanding and see where I need to improve my financial education. Thank you in ad...
by OCDinvestor
Sun Jul 21, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5419
Views: 1348709

Re: What Movie Have You Recently Watched?

Philadelphia... one of Tom Hank’s most underrated movies. Free on Amazon Prime TV app.

Top 5 best Tom Hanks movies of all time... ? Anyone?
by OCDinvestor
Tue Jun 18, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 4720

Re: Subaru Ascent vs Toyota Highlander...

DW wants to move up to three row SUV to haul around grandkids. Love the Ascent but dealership 60 miles from home and Toyota dealerships 15 miles from home. Any thoughts here? Have you tried sitting in the third row of the Highlander? It’s a joke of a third row. My wife has Ascent and we love it.
by OCDinvestor
Mon May 27, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Drinking water systems
Replies: 8
Views: 869

Re: Drinking water systems

Anyone really happy with any particular water filtering systems like Aquasana, Vertex or APEC? RO or countertop. APEC Top Tier 5-Stage Ultra Safe Reverse Osmosis Drinking Water Filter System (ESSENCE ROES-50) https://www.amazon.com/dp/B00I0ZGOZM/ref=cm_sw_r_cp_api_i_y5k7CbX9R1ZGA Love it. Great tas...
by OCDinvestor
Thu May 09, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-existing condition + insurance in retirement
Replies: 13
Views: 1520

Re: Pre-existing condition + insurance in retirement

Thanks for the replies. As my username implies, I’m quite OCD and retirement is realistically still 20-25 years down the road. Just always worrying! However if there is significant issues with obtaining secondary insurance once Medicare kicks in, it would change my estimated nest egg req’t. Which wo...
by OCDinvestor
Thu May 09, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-existing condition + insurance in retirement
Replies: 13
Views: 1520

Pre-existing condition + insurance in retirement

Long time stalker, first time BH poster! I'm an employee in the beginning of my career and am fortunate to be given very good group health insurance. We've talked about one day perhaps retiring in our 50's, given our aggressive saving habits and travel interests. I do have a pre-existing health cond...