Search found 134 matches

by bulbul
Sun Jan 03, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: Space Exploration
Replies: 79
Views: 4787

Re: Space Exploration

Tony-S wrote: Sun Jan 03, 2021 11:53 am
TierArtz wrote: Fri Jan 01, 2021 2:11 am My closest personal contact was playing a very small role examining material recovered from the Columbia shuttle disaster debris field.
I flew on the vomit comet back in 1994. It’s appropriately named. :shock:
ZERO-G flight? Seems fun but I do not think I can handle it.
by bulbul
Sat Jan 02, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: Space Exploration
Replies: 79
Views: 4787

Re: Space Exploration

Related to investing, how does one make money off this when the majority of the most innovative companies are private, not publicly traded? Investing in the Total Stock Market does not get anyone a piece of that. I believe Fidelity Investments has a stake in SpaceX, not a deal available to the gene...
by bulbul
Fri Jan 01, 2021 8:26 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 919
Views: 40723

Re: Bird watchers – what birds are you seeing?

Wild duck on a lake a few miles from our home. Early winter morning. The sun was brilliant off the water. Ducks are very cool. j :D Canon 5dMkIV 200mm L lens. https://i.postimg.cc/wBzb2gpb/A-Wild-Duck-swimming-in-a-lake-4dn.jpg https://i.postimg.cc/FzP7W98b/Wild-Duck-swiming-in-lake-3dn.jpg Beautif...
by bulbul
Fri Jan 01, 2021 4:23 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 919
Views: 40723

Re: Bird watchers – what birds are you seeing?

Today's visitors to my backyard: cardinals, starlings, mourning doves, a downy woodpecker, and a bunch of sparrows. I got a picture of the downy woodpecker on the river birch.

Image
by bulbul
Fri Jan 01, 2021 7:44 am
Forum: Personal Consumer Issues
Topic: Space Exploration
Replies: 79
Views: 4787

Re: Space Exploration

I'm incredibly excited and optimistic about the future of space, especially in terms of tourism and suborbital point-to-point travel on earth. Mars is exciting too, but the idea of taking a commercial flight halfway around the world in 40 minutes instead of 15+ hours will be a game changer for huma...
by bulbul
Thu Dec 31, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Space Exploration
Replies: 79
Views: 4787

Re: Space Exploration

abuss368 wrote: Thu Dec 31, 2020 10:16 pm It is incredible what we have accomplished over the past 30 years. Now it feels like things are accelerating even faster! We will all probably see Mars soon in our lifetimes.

Tony
Elon Musk claimed to land humans on Mars by 2026.
by bulbul
Thu Dec 31, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Space Exploration
Replies: 79
Views: 4787

Space Exploration

The stock market goes up and down. I am just staying the course. Anybody here is interested in following the progress in space exploration? While 2020 was a difficult year because of the pandemic, space exploration continued to reach new heights. Top ten stories of 2020: 1) SpaceX launches its first...
by bulbul
Sun Dec 27, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 919
Views: 40723

Re: Bird watchers – what birds are you seeing?

I've seen foxes on the ice trying to get to the geese, but the geese seem know they are safe if they stay in the open water and away from the edge of the ice.
That is fun. These foxes must be really starving in winter.
by bulbul
Sun Dec 27, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: 2020: Lessons learned
Replies: 237
Views: 16036

Re: 2020: Lessons learned

Stay the course. Not really learned but reinforced.
Just like Jack Bogle said: "Stay the course. Regardless of what happens in the markets, stick to your investment program. Changing your strategy at the wrong time can be the single most devastating mistake you can make as an investor."
by bulbul
Sat Dec 26, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 919
Views: 40723

Re: Bird watchers – what birds are you seeing?

Yesterday I went hiking around a lake of a state park in the Midwest. I saw a bunch of Canada Geese on the water. They were staying frozen with some snow on their backs. It was amazing! I always thought they migrate south for overwintering. https://i.postimg.cc/HWzXwLtq/088-CF5-E1-ED0-E-4-F36-BA5-D-...
by bulbul
Sat Dec 26, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 919
Views: 40723

Re: Bird watchers – what birds are you seeing?

Cool! I have never seen one in the wild before.
Candor wrote: Fri Dec 25, 2020 12:50 pm A recent eagle with lunch.

Image
by bulbul
Sun Dec 20, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 919
Views: 40723

Re: Bird watchers – what birds are you seeing?

A cormorant spreading wings to dry up after diving

Image
by bulbul
Fri Nov 27, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 919
Views: 40723

Re: Bird watchers – what birds are you seeing?

I came across a great blue heron during today’s hiking.

Image
by bulbul
Thu Oct 31, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14523

Re: Apple Pay. Does anyone use it?

I like it. Wal-Mart and Kroger doe not accept it :(
by bulbul
Thu Jan 17, 2019 6:30 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 63127

Re: John Bogle has died at age 89

R.I.P.
by bulbul
Sat Jun 16, 2018 4:51 am
Forum: Investing - Theory, News & General
Topic: Schwab's Securities Lending Fully Paid (SLFP) program
Replies: 26
Views: 6804

Re: Schwab's Securities Lending Fully Paid (SLFP) program

100% collateral is a bad deal. Institutional players would get overcollateralized at say 102%-105% I googled this. One PDF said they give you "at least "100% collateral. Another said it was adjusted daily to be 102%. Quoted from their document: The amount of cash collateral is adjusted da...
by bulbul
Sat Jun 16, 2018 4:50 am
Forum: Investing - Theory, News & General
Topic: Schwab's Securities Lending Fully Paid (SLFP) program
Replies: 26
Views: 6804

Re: Schwab's Securities Lending Fully Paid (SLFP) program

indexfundfan wrote: Fri Jun 15, 2018 7:21 am Is this program available for tax-deferred accounts? I don't believe it is mentioned in the provided documents.
Yes, based on what I read.
by bulbul
Sat Jun 16, 2018 4:46 am
Forum: Investing - Theory, News & General
Topic: Schwab's Securities Lending Fully Paid (SLFP) program
Replies: 26
Views: 6804

Re: Schwab's Securities Lending Fully Paid (SLFP) program

Nate79 wrote: Fri Jun 15, 2018 7:40 pm How did you get this invite?
They sent it by email.
by bulbul
Fri Jun 15, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Schwab's Securities Lending Fully Paid (SLFP) program
Replies: 26
Views: 6804

Re: Schwab's Securities Lending Fully Paid (SLFP) program

Benefits: Sell loaned securities at any time. End loans at any time. Income accrues daily and is paid monthly. Receive 100% collateral for loaned securities. Participate at no cost. Risks: Security Price. There is the potential for downward pressure on the price of a security you lend if the securit...
by bulbul
Fri Jun 15, 2018 6:27 am
Forum: Investing - Theory, News & General
Topic: Schwab's Securities Lending Fully Paid (SLFP) program
Replies: 26
Views: 6804

Re: Schwab's Securities Lending Fully Paid (SLFP) program

I just read the Schwab's brochure about the program. I do not see any great risks. The interest rate is 5.50%. I might jump.
by bulbul
Fri Jun 15, 2018 4:29 am
Forum: Investing - Theory, News & General
Topic: Schwab's Securities Lending Fully Paid (SLFP) program
Replies: 26
Views: 6804

Schwab's Securities Lending Fully Paid (SLFP) program

Schwab is offering a monthly income opportunity through their Securities Lending Fully Paid (SLFP) program. What are the risks?
by bulbul
Sun Feb 25, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution tax issue
Replies: 1
Views: 147

Re: Excess Roth IRA contribution tax issue

Another question, am I supposed to get a 1099-R from my Roth IRA brokerage when I withdraw my excess contribution?
by bulbul
Sun Feb 25, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution tax issue
Replies: 1
Views: 147

Excess Roth IRA contribution tax issue

I made excess Roth IRA contribution in 2017. I decided to withdraw the excess contribution. How do I file the form 5329 using Turbotax? Do I have to send the form separately to IRS? Thanks.
by bulbul
Tue Jan 16, 2018 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Banking Accounts (With Bill Pay): (Checking/Savings/MMA?)
Replies: 8
Views: 1411

Re: Best High Interest Banking Accounts (With Bill Pay): (Checking/Savings/MMA?)

I am using Discover online saving and Discover cashback checking. The online saving yield is 1.30% now. For the cashback checking, earn 1% cash back on up to $3,000 in debit card purchases each month.
by bulbul
Mon Jan 15, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit card cash reward for payment
Replies: 10
Views: 1649

Re: Credit card cash reward for payment

Discover Card doesn’t get a lot of attention, but they pay 1% on all charges and 5% on select categories which rotate quarterly. This quarter it’s 5% cash back for gasoline purchases and charges from big box stores. Last quarter was 5% at Amazon and Target. The changing 5% categories are kind of a ...
by bulbul
Fri Jan 12, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Limit
Replies: 6
Views: 816

Re: HSA Contribution Limit

Generally, you must pay a 6% excise tax on excess contributions. If you can correct it before filing the tax, you might be able to avoid the penalty. Here is the link for more information: http://www.hsaedge.com/2016/11/06/how-t ... to-an-hsa/.
by bulbul
Sat Dec 16, 2017 4:10 am
Forum: Personal Finance (Not Investing)
Topic: Two commas, I'm calling it
Replies: 20
Views: 5441

Re: Two commas, I'm calling it

Congratulations!
by bulbul
Sat Nov 04, 2017 3:52 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 5897

Re: This is why I'm glad I started investing at 23

I am wondering to open an account for my young son now. Maybe it is under my name due to other complicate issues to have a child account.
by bulbul
Fri Nov 03, 2017 6:12 am
Forum: Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 3728

Re: New 2 comma member

Congratulations :sharebeer :sharebeer
by bulbul
Wed Nov 01, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: MA 529 plan fund question
Replies: 8
Views: 984

Re: MA 529 plan fund question

bulbul wrote: Wed Nov 01, 2017 5:16 am Thanks for all replies. Just curious. All 529 plans, are the dividends reinvested automatically?
I think siamond already answered my this question. I missed reading that part initially.
by bulbul
Wed Nov 01, 2017 5:20 am
Forum: Investing - Theory, News & General
Topic: MA 529 plan fund question
Replies: 8
Views: 984

Re: MA 529 plan fund question

You're aware that you can invest in the 529 plan of ANY state, right? Or roll-over from one to the other? I live in MA, I chose the NY 529 plan for my children. Great Vanguard funds with low ER. At the time, the MA 529 plan was pretty bad. This was a while ago though, I have no idea how the situati...
by bulbul
Wed Nov 01, 2017 5:16 am
Forum: Investing - Theory, News & General
Topic: MA 529 plan fund question
Replies: 8
Views: 984

Re: MA 529 plan fund question

Thanks for all replies. Just curious. All 529 plans, are the dividends reinvested automatically?
by bulbul
Tue Oct 31, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: MA 529 plan fund question
Replies: 8
Views: 984

MA 529 plan fund question

I started investing in Massachusetts 529 plan last year. The fund is MA Total Market Index, but I did not see any dividends in the account. Is that the way the fund is working? I am very new to 529 plans. Thanks.
by bulbul
Sun Oct 15, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 44
Views: 6762

Re: I need a better online checking w billpay and mobile check deposit

I love Discover Checking account. When you do a billpay, you get 1 cent as a cash reward. :D I link the checking account with their online savings account.
by bulbul
Mon Aug 21, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan tax deduction
Replies: 6
Views: 1129

Re: 529 plan tax deduction

I think what bulbul is saying is that they can make enough 529 contribution in each state of residence while they lived/live there to qualify for that state's tax deduction in contributions to 529 accounts. And since they will then most likely be doing part year resident tax returns for each state ...
by bulbul
Sun Aug 20, 2017 6:17 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan tax deduction
Replies: 6
Views: 1129

Re: 529 plan tax deduction

My common sense tells me that you would get a state tax deduction for your contribution ONLY IF you contributed while living in that state. So, if you do not contribute any more money this year in your new state, I'd say that you do not get a deduction in that state. I will make contribution in the...
by bulbul
Sun Aug 20, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan tax deduction
Replies: 6
Views: 1129

529 plan tax deduction

Recently I moved. Both states provide tax benefits. If I switch my 529 plan to my current state, am I eligible for tax deduction from both states?
by bulbul
Sun Aug 06, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan for house down payment?
Replies: 11
Views: 1803

Re: 401k loan for house down payment?

Thanks for all the responses. I need some time to digest all the information.
by bulbul
Sun Aug 06, 2017 3:15 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan for house down payment?
Replies: 11
Views: 1803

401k loan for house down payment?

Here is my situation that I hope to collect some wise suggestion form Bogeheads: I am owning a house but I am going to convert it to a rental property due to recent job relocation (do not suggest selling it or getting HELOC). I am going to purchase a new house but do not have enough CASH for down pa...
by bulbul
Sat Mar 11, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 6020

Re: Reasons not to check the account balance too often

dbr wrote:He pays you $10 every time he looks.
If he agrees, I might get richer quickly :D .
by bulbul
Sat Mar 11, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 6020

Re: Reasons not to check the account balance too often

Doom&Gloom wrote:Have you searched this forum? I seem to recall a discussion of this issue from about a year ago.
I tried but did not come up a good one.
by bulbul
Sat Mar 11, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 6020

Re: Reasons not to check the account balance too often

I do it once or twice a week. How often is too often?
by bulbul
Sat Mar 11, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 6020

Reasons not to check the account balance too often

I just had a conversation with a close friend. He told me he checks his account balance more than 10 times almost every day including weekends. However, he has a set AA and could stick to it. He asked me to help him by convincing him to stay away the addiction. Bogleheads, any suggestion?
by bulbul
Mon Jan 09, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 24
Views: 2864

Re: HSA question

Heard back from our HR. My HDHP is not HSA eligible.
by bulbul
Wed Jan 04, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 24
Views: 2864

Re: HSA question

Based on your updated post that you have a HDHP with an HRA, I don't think you will be able to contribute to a HSA account. I am assuming here you have a qualified HDHP, but the HRA option then counts as first dollar coverage. Employers have several options when they buy or offer a HDHP plan to emp...
by bulbul
Wed Jan 04, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 24
Views: 2864

Re: HSA question

You meant that I might not be able to find a reliable answer from my HR? I was a bit too negative with that post. You may very well have knowledgeable HR staff, but I find that the health insurance plan it typically more knowledgeable. You are right. Actually my HR people do not have answer for me ...
by bulbul
Tue Jan 03, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 24
Views: 2864

Re: HSA question

Have you verified that you are eligible for an HSA? You mentioned before that you had and HRA. Is this a general purpose HRA or is this a limit purpose HRA and/or post-deductible HRA? I asked this before and you didn't answer. Thanks,Spirit Rider. I do not exactly know what kind of HRA I have. It i...
by bulbul
Tue Jan 03, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 24
Views: 2864

Re: HSA question

I believe I still can make contributions to their HSA for 2016 until April 15. The HSA contribution is supposed to be pre-tax money. I already missed the chance of deducting the pre-tax money from the paycheck. How do I contribute the pre-tax money for 2016?
by bulbul
Mon Jan 02, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 24
Views: 2864

Re: HSA question

Yes, it is exceedingly complex and we haven't even gone down the rat hole of a spouse's FSA. Investment/personal finance forums are frequented by an exceedingly small percentage of people with HDHP plans. So most people have no reason to question some of these issues. My experience is that even if ...