Search found 49 matches

by jsaver
Sun Oct 13, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 16
Views: 2254

Re: Old bourbon whisky

If you come across any Pappy, I'll take it. :-)

https://blogs.wsj.com/corporate-intelli ... -a-bottle/
by jsaver
Tue Oct 08, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: 3rd Party Scanner Software for ScanSnap S1300
Replies: 4
Views: 457

Re: 3rd Party Scanner Software for ScanSnap S1300

VueScan and ExactScan are both good options. You can try both before you buy.
by jsaver
Tue Oct 08, 2019 2:57 am
Forum: Personal Investments
Topic: Highly Compensated Employee & 401K limits
Replies: 41
Views: 4153

Re: Highly Compensated Employee & 401K limits

I’m at a mega corp (F50) and an HCE. Company matches 6% and I’m capped at 16%. Applies to wages and personal bonus. Company bonus went 100% into everyone’s 401(k). I’ll get close to $50k total put into my 401(k) this year. After hitting $19k contributions automatically switch to after-tax and I elec...
by jsaver
Tue Oct 01, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Anyone replace an iPhone screen yourself?
Replies: 14
Views: 1029

Re: Anyone replace an iPhone screen yourself?

I've replaced the screen on an SE using parts, toolkit and the guide from iFixit. I recommend you look at their guide to get an idea what's involved: https://www.ifixit.com/Guide/iPhone+7+Screen+Replacement/67489 I agree with their 30 min – 1 hour repair time estimate and the moderate difficulty. Th...
by jsaver
Fri Sep 27, 2019 1:15 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 246
Views: 29014

Re: What is your AA, given your age? and, Why?

Late 40s. 80/20 with a glide-path to 50/50 at 65. I'm essentially following the Vanguard target date fund AA for now. I'm not sure I agree with it continuing to 30/70 past that point, so we'll see. I hope to achieve my retirement goal by 62 and retire between 62-65. I'm currently at 750K trying to g...
by jsaver
Thu Sep 26, 2019 11:36 am
Forum: Personal Investments
Topic: Fidelity money market fund
Replies: 20
Views: 2495

Re: Fidelity money market fund

Treasuries are free to sell. Other bonds $1. The bid/ask spread with T-bills is miniscule to the 3rd decimal point at least for 4 week bills. You can also sell a portion of your treasuries i.e. - If you have one cusip number for $50,000 (50 $1,000 T-bills), you can carve out only what you want to s...
by jsaver
Wed Sep 25, 2019 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Solar panel advice & experiences
Replies: 64
Views: 2764

Re: Solar panel advice & experiences

I'm guessing based on cost that's a 10 kW system. Depending where you are in the US, it will generate approximately 45 kWh per day on average. Federal tax credit is 30%. 14.5 year payback indicates a local electric cost of approximately $0.09 per kWh which is pretty cheap local electricity (21000 / ...
by jsaver
Sun Sep 22, 2019 10:16 am
Forum: Personal Investments
Topic: Glide path vs Coming In Hot
Replies: 23
Views: 2690

Re: Glide path vs Coming In Hot

I’m interested in the replies you get. I currently have an 80/20 AA three fund-portfolio as well. Mine is 750K and I’m hoping to grow it to $2M. I should be able to add $50K annually to it over the next 15 years, retiring at 62. I played with various portfolios at portfolio charts, everything from t...
by jsaver
Sat Sep 21, 2019 10:58 am
Forum: Personal Investments
Topic: Ally CD, funding it few days after opening it
Replies: 8
Views: 815

Re: Ally CD, funding it few days after opening it

Ally bank says: “With Ally Bank’s Ten Day Best Rate Guarantee, you automatically get the best rate we offer for your CD during the first 10 days, starting with your open or renewal date, if you fund your CD within that time.” https://www.ally.com/help/bank/cd-ladders.html That answer is in response...
by jsaver
Thu Sep 19, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Unlocked, Refurbished iPhones?
Replies: 16
Views: 1020

Re: Unlocked, Refurbished iPhones?

a brand new battery and toolkit is under $30 if you're handy and willing to spend 10 minutes installing it yourself instead of paying the Apple markup: https://www.repairpartsplus.com/iPhone-8-Battery-Replacement-Kit-p/GPI8B-KIT.htm?gclid=Cj0KCQjwzozsBRCNARIsAEM9kBP9mXvgajL5SLTmWWaFnNIURWs4exLWAxtu...
by jsaver
Thu Sep 19, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Smaller iPhones have worse reception?
Replies: 11
Views: 701

Re: Smaller iPhones have worse reception?

The model number of my phone, mx8j2ll/a , isn't listed on the page you referenced
Try these Apple support articles:

Find the model number of your iPhone, iPad, or iPod touch

Identify your iPhone model
by jsaver
Wed Sep 18, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Unlocked, Refurbished iPhones?
Replies: 16
Views: 1020

Re: Unlocked, Refurbished iPhones?

Should be good until next year as the 6s is the oldest iphone eligible for iOS 13 which comes out Friday with the new iPhone 11. Odds are high that the 6s will drop off the list with iOs 14 this time next year. I think it will last longer than that. Apple's decision to drop support is usually based...
by jsaver
Wed Sep 18, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Unlocked, Refurbished iPhones?
Replies: 16
Views: 1020

Re: Unlocked, Refurbished iPhones?

iPhone 8 64GB refurb straight from Apple for $379.00. None currently available, but just check in periodically till they are: https://www.apple.com/shop/product/FQ6K2LL/A/Refurbished-iPhone-8-64GB-Space-Gray Apple refurbs are as good as new and have a 1 year warranty. Alternately, pick up one used o...
by jsaver
Tue Sep 17, 2019 1:56 pm
Forum: Personal Investments
Topic: Roth and Roth401k limits?
Replies: 10
Views: 860

Re: Roth and Roth401k limits?

FiveK wrote:
Tue Sep 17, 2019 1:34 pm
That looks correct. Note that money in any traditional IRA on 31-Dec will trigger pro-rata taxation of your backdoor amounts. See Backdoor Roth - Bogleheads for details.
Yup. The four IRAs I named are the only ones we have so there are $0 in any traditional IRAs we hold. Thanks.
by jsaver
Tue Sep 17, 2019 10:32 am
Forum: Personal Investments
Topic: Roth and Roth401k limits?
Replies: 10
Views: 860

Re: Roth and Roth401k limits?

I'm going to glom onto this thread with a related question. I'm over the mAGI to make a Roth IRA contribution. At work, I contribute 16% to my 401(k) plus get 6% match. After I hit the 401(k) limit, I continue with after-tax contributions which my plan automatically rolls-over to the Roth sub-accoun...
by jsaver
Mon Sep 16, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Having to consider replacing my car
Replies: 40
Views: 2152

Re: Having to consider replacing my car

If you haven't done timing belt and water pump yet, that's a $700-$900 repair. Timing belt replacement is usually 100K-120K miles. You can push it but the risk is that if the belt breaks, the car instantly becomes worth $0. Usually it makes sense to do the water pump at the same time as the timing b...
by jsaver
Mon Sep 16, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers - How to ask for time to evaluate with my BH?
Replies: 24
Views: 2399

Re: Multiple job offers - How to ask for time to evaluate with my BH?

Remind yourself that on the other side of the table, it's just business. This is a significant event in your life, but companies hire and fire every day and emotion rarely factors into their decision. Your last company didn't think twice about outsourcing your job. Don't feel bad about changing your...
by jsaver
Sat Sep 14, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: > 6 months medical leave
Replies: 23
Views: 2387

Re: > 6 months medical leave

You should speak to an attorney. HR is not there for you, it's there to protect the organization. Speak to an attorney.
by jsaver
Sat Sep 14, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: AE Rewards Card? What is it?
Replies: 4
Views: 496

Re: AE Rewards Card? What is it?

It's like a prepaid credit card. You can't generally convert it straight to cash but you may be able to purchase a money order with it at Walmart . edit: Amex cards aren't pin-enabled, so this won't work. I would just use it in place of your CC purchases until it is drained. https://www.americanexpr...
by jsaver
Wed Sep 11, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: First car accident ever, now what?
Replies: 30
Views: 2054

Re: First car accident ever, now what?

I don't have advice on the insurance side of things, but you may wish to consider getting dual-channel dash cams that can record front and rear for your vehicles once this is all resolved.
by jsaver
Wed Sep 11, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: ESG index fund composition subjectivity
Replies: 5
Views: 483

Re: ESG index fund composition subjectivity

This discussion is part of why I don't do ESG. The various funds and indices have some pretty esoteric ideas of what ESG entails and only slightly overlap with what I feel is important. Much of the Goodness in the ESG model is around Corporate Governance. It is interesting to note that Vanguard tak...
by jsaver
Wed Sep 11, 2019 9:03 pm
Forum: Investing - Theory, News & General
Topic: ESG index fund composition subjectivity
Replies: 5
Views: 483

Re: ESG index fund composition subjectivity

Don't forget to consider what, if anything, the index providers and/or the mutual fund managers are doing in order to try to influence corporate behavior. Typically, they try to talk to corporate management--tell them what they could do to get included in the index, for example, and sell them on th...
by jsaver
Wed Sep 11, 2019 1:55 pm
Forum: Investing - Theory, News & General
Topic: ESG index fund composition subjectivity
Replies: 5
Views: 483

ESG index fund composition subjectivity

My wife and I own two ESG funds. I know most Bogleheads aren’t fans of these funds. I realize owning these funds may leave us with less money in the future to do good with. I'm just sharing something I learned looking into these funds with regards to their different composition and why this is. Okay...
by jsaver
Wed Sep 11, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Oy vey [Lessons learned - Market orders, freezing your credit report]
Replies: 14
Views: 2248

Re: Oy vey [Lessons learned - Market orders, freezing your credit report]

I assume I have to sell enough shares of the ETF to cover the shortage, but I'm waiting to hear back from Vanguard what my options are. This was indeed the case. Vanguard's response: If you're unable to contribute to this account to cover the debit, you'll need to sell an appropriate amount of shar...
by jsaver
Tue Sep 10, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Oy vey [Lessons learned - Market orders, freezing your credit report]
Replies: 14
Views: 2248

Re: Oy vey

Lesson learned: always use limit orders to purchase ETF shares. Couldn't you have used a % instead of $? Purchasing an ETF or stock can only be done in number of shares. You have to use a limit price to prevent paying more than you have funds available. Vanguard does actually tell you this in the f...
by jsaver
Tue Sep 10, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Oy vey [Lessons learned - Market orders, freezing your credit report]
Replies: 14
Views: 2248

Re: Oy vey

khh wrote:
Tue Sep 10, 2019 4:22 pm
Is there any security to be gained by creating an online SS account , rather than just letting the Equifax freeze do its job?
Unrelated. I wanted to double-check my earnings.
by jsaver
Tue Sep 10, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Oy vey [Lessons learned - Market orders, freezing your credit report]
Replies: 14
Views: 2248

Re: Oy vey

Were you going from a Vanguard MF to the equivalent ETF or to something completely different? If equivalent, like VTSAX to VTI, you don't have to sell anything. Vanguard will do a conversion. And if you call Vanguard and they say you can't, then send you 2 publications supporting that you can't, co...
by jsaver
Tue Sep 10, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Oy vey [Lessons learned - Market orders, freezing your credit report]
Replies: 14
Views: 2248

Oy vey [Lessons learned - Market orders, freezing your credit report]

I recently created three headaches for myself, so let these serve as a cautionary tales. Headache 1. I recently wanted to swap out a mutual fund held in my Vanguard Roth IRA to an ETF. I sold all of my shares in the mutual fund, then placed an order for the ETF. The ETF order was placed while the ma...
by jsaver
Tue Sep 10, 2019 12:05 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 773041

Re: What's Your Credit Card Rewards Strategy?

You don't need to spend $104K. The credit card sign-up bonus is presently 40K points for $1K in spend so you've got 69K points to go. Still a lot but not insurmountable. You just need to get creative. You can earn a LOT of points by using shopping portals and the Southwest hotel site where you can ...
by jsaver
Mon Sep 09, 2019 11:58 pm
Forum: Personal Consumer Issues
Topic: Another solar post - Large vs Small installers
Replies: 16
Views: 915

Re: Another solar post - Large vs Small installers

Just to put it in perspective my 7.2kw that I had installed 2 weeks ago will cost $10k after tax credits. That seems pretty good. What state? Pricing in my area seems to be about $3.40/watt before the Federal tax credit (that starts getting phased out next year btw). The local utility also had a cr...
by jsaver
Mon Sep 09, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 773041

Re: What's Your Credit Card Rewards Strategy?

This is a REALLY long and old thread so I may be covering old ground here, but in case not: I use the Southwest Airlines card from Chase solely to get the companion pass and free flights. In the 8 or 9 years we have been "earning" the companion pass we have almost never paid money for a flight unle...
by jsaver
Sun Sep 08, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 773041

Re: What's Your Credit Card Rewards Strategy?

Anyone who does occasional travel and uses Amex MR and can chime in? Between MR and Chase I had 300k points. I've rarely been able to use them when I wanted to. I finally realized (duh) that these points are only a good deal if you're willing to accept whatever travel deals are being offered, and y...
by jsaver
Fri Sep 06, 2019 10:23 pm
Forum: Personal Investments
Topic: Vanguard: time restriction on changing dividend elections
Replies: 6
Views: 932

Re: Vanguard: time restriction on changing dividend elections

AlohaJoe wrote:
Thu Sep 05, 2019 6:48 pm
What did Vanguard say when you asked them?
Couldn't ask them; they were closed. :oops: By the time they were open, I was able to change the election.
by jsaver
Thu Sep 05, 2019 6:44 pm
Forum: Personal Investments
Topic: Vanguard: time restriction on changing dividend elections
Replies: 6
Views: 932

Vanguard: time restriction on changing dividend elections

I'm working on changing a Roth account's holdings from a mutual fund to an ETF and I want the ETF dividends to re-invest. So I go to My Accounts > Account maintenance > Select Roth IRA Brokerage account > Account dividend and capital gains election, and click "Change election" and get this popup fro...
by jsaver
Mon Sep 02, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 8664

Re: Best college towns in the Southeastern US for retirees?

Asheville is going to have cold winters. Raleigh/Durham/Chapel Hill benefit from Raleigh also being the state capital. NC has a flat 5.5% income tax. Also, though Asheville and the Triangle area have colleges, they aren't really what I'd call college towns. There is a lot going on besides the colleg...
by jsaver
Fri Aug 30, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 56
Views: 17724

Re: Best Fidelity Money Market Account to Hold Cash?

FZDXX currently has a 7-day yield of 2.20%: https://fundresearch.fidelity.com/mutual-funds/summary/31617H805 As of 7/31. Click on the "Performance & Risk" tab, the 7 day yield is 2.01% effective 8/29. Ah, thanks I knew I had to be missing something, and the something was the fine print. I think I'l...
by jsaver
Fri Aug 30, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 56
Views: 17724

Re: Best Fidelity Money Market Account to Hold Cash?

FZDXX currently has a 7-day yield of 2.20%: https://fundresearch.fidelity.com/mutual-funds/summary/31617H805 VUSXX currently has a 7-day yield of 2.03%: https://investor.vanguard.com/mutual-funds/profile/VUSXX The upcoming 3-month T-bills have an expected yield of 1.950%: https://fixedincome.fidelit...
by jsaver
Thu Aug 29, 2019 3:00 am
Forum: Personal Investments
Topic: Anyone betting on Teva or any other individual stocks?
Replies: 21
Views: 2047

Re: Anyone betting on Teva or any other individual stocks?

50 shares of AAPL acquired @ $96. Dividends pay for iCloud and Apple Music. Just for fun.
by jsaver
Wed Aug 28, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 50295

Re: GEICO auto rates vs. USAA: too good to be true?

I am not sure that is true any more. If you search on USAA above you will see some threads that call their quality of service into question. I have not had to submit a claim with them in years myself, but my cousin is having a horrible time with them resolving a claim from the California wildfires....
by jsaver
Wed Aug 28, 2019 9:08 pm
Forum: Personal Investments
Topic: Best interest bearing savings account?
Replies: 34
Views: 4860

Re: Best interest bearing savings account?

Ally takes forever (5 days) to fund a CD from outside ACH. Setup a checking/savings with them first so you can wire in funds same day and then you can setup the CDs instantly. I lost a tenth of a percent on six CDs I just opened learning this lesson. The CD rates are set when they are funded, not wh...
by jsaver
Tue Aug 27, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Passport Photos
Replies: 27
Views: 2035

Re: Passport Photos

Easy to DIY. Make sure to read the requirements: https://travel.state.gov/content/travel/en/passports/requirements/photos.html White background, well lit, correct size, looking directly at the camera, neutral expression. Don't forget to take off any glasses. At worst you mess up and they have to red...
by jsaver
Tue Aug 27, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off 0% car loan early
Replies: 52
Views: 2578

Re: Paying off 0% car loan early

I'm halfway through repaying two 60-month 0% car loans that totaled $76K at originally. Heck, one of the loans I was even incentivized to the tune of $500 to take. You can bet I'm not paying those off early.
by jsaver
Tue Aug 27, 2019 11:36 am
Forum: Personal Investments
Topic: Help advising my sister on retirement, life-insurance
Replies: 3
Views: 393

Help advising my sister on retirement, life-insurance

Years ago my sister asked me for retirement advice and though it was a bit of the blind leading the blind at the time, I knew enough to tell her to open an IRA at Vanguard and use a target retirement fund, which she did. Fast-forward a few years, she got married, and her husband convinced her to con...
by jsaver
Thu Aug 22, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity login security
Replies: 21
Views: 2233

Re: Fidelity login security

VIP access is an app (token) that can only be installed in one device.
With https://github.com/dlenski/python-vipaccess you can create a token and then use whatever TOTP app you want. Authy can sync tokens across multiple devices.
by jsaver
Thu Aug 22, 2019 12:21 pm
Forum: Investing - Theory, News & General
Topic: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.
Replies: 25
Views: 925

Re: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.

Capping NHCEs HURTS nondiscrimination testing.
Oops, I misread the question, despite quoting it, and thought it was asking why the 16% cap on HCEs.
by jsaver
Thu Aug 22, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.
Replies: 25
Views: 925

Re: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.

I wonder any plans have a cap at all for non-highly compensated employees.
It has to do with the nondiscrimination rules:

https://www.irs.gov/retirement-plans/40 ... tion-tests
by jsaver
Thu Aug 22, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.
Replies: 25
Views: 925

Re: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.

My employer matches 6% per paycheck and allows contributions to be allocated between before-tax, Roth, and after-tax. There's a cap of 16% for highly compensated employees, otherwise it's 50%. There's an automatic spillover option to redirect pre-tax to after-tax which can be set to either 6% or you...
by jsaver
Tue Aug 20, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 773041

Re: What's Your Credit Card Rewards Strategy?

Up until recently, we were using these cards: - AmEx Gold ($160/yr): I've had this card for ages and used to use it for everything, but now it's just for recurring charges. - Chase Amazon: used for Amazon and Whole Foods. - Chase Sapphire ($95/yr): default card for everything else. - Chase United ($...
by jsaver
Mon Aug 19, 2019 4:45 pm
Forum: Personal Investments
Topic: 529s for kids already in and nearly in college
Replies: 8
Views: 605

529s for kids already in and nearly in college

I have a 16 y/o and an 18 y/o with springtime birthdays. I have cash-savings of $200k set aside to pay for their college. The savings are currently in a combination of CDs (2.30% APY) and a high-yield savings account (2.10% APY). The 18 y/o just started in-state and I've already paid their first sem...