Search found 151 matches

by btq96r
Mon Aug 10, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: Why not Vanguard U.S. Growth Fund?
Replies: 41
Views: 4120

Re: Why not Vanguard U.S. Growth Fund?

I've had VWUAX as the main fund in my Roth IRA, since I switched over from Vanguard Target Retirement 2045 a few years ago and I've been quite happy. I'm not blind to the risk, but I'm also feeling large growth funds are having their moment in the sun as things just haven't been normal for a bit. Us...
by btq96r
Sat Aug 08, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 184
Views: 17491

Re: Anyone else hoarding cash right now?

I stopped investing in my taxable back in March and can't bring myself to start again. I'm still investing automatically in my 401k. I'm just holding onto my cash in case of a worst case scenario if society collapses and I need liquid funds. I don't mean the case where you'd have to live in a bunke...
by btq96r
Sat Aug 01, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 553
Views: 82977

Re: Losing a job in your 50's...

I've been saving/investing well above the norm of my peers in my 30s and plan to continue in my 40s so that if I do lose a job in my 50s, it's not a panic event. If I don't lose a job in my 50s, then I'll be well on my way to an early retirement. Threads like this are a good reminder that I think my...
by btq96r
Sat Aug 01, 2020 12:15 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 69
Views: 6079

Re: Disappointed with Fidelity's Online Interface

I explained that earlier in the thread. The regular fidelity interface is great. I have extensive experience with two net benefits interfaces. They are highly “customized”, most likely at the direction of the sponsoring company’s benefits folks. Just one man’s opinion and it doesn’t need to be anyb...
by btq96r
Fri Jul 31, 2020 8:59 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 69
Views: 6079

Re: Disappointed with Fidelity's Online Interface

I'm stuck with Fidelity for my work's 401K. I loathe their website. I'm convinced the goal of the user interface is to make people who don't understand finance and/or computers to give up and click on the links to go with Fidelity recommendations. I've never had any issues navigating Vanguard's web...
by btq96r
Thu Jul 30, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Tax Check Not Cashed
Replies: 15
Views: 1097

Re: Federal Tax Check Not Cashed

Mine took a couple weeks and I mailed it in late June. I'd imagine the backlog is pretty high since you mailed yours pretty close to Tax Day.

It'll get cashed, like others said, wait a bit longer.
by btq96r
Wed Jul 29, 2020 10:28 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 69
Views: 6079

Re: Disappointed with Fidelity's Online Interface

I'm stuck with Fidelity for my work's 401K. I loathe their website. I'm convinced the goal of the user interface is to make people who don't understand finance and/or computers to give up and click on the links to go with Fidelity recommendations. I've never had any issues navigating Vanguard's webs...
by btq96r
Wed Jul 29, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: Need to destroy old external Hard Drives
Replies: 103
Views: 5459

Re: Need to destroy old external Hard Drives

Several of them have had some personal and financial information, and I know that erasure alone won’t make them secure if I give them to a metal recycler. Do you think high speed data recovery criminals are a threat to root through your trash, grab the hard drives, and get something after a DBAN wi...
by btq96r
Mon Jul 13, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of paying off mortgage
Replies: 146
Views: 8888

Re: Talk me out of paying off mortgage

retire57 wrote:
Mon Jul 13, 2020 7:40 am
When you eliminate that big monthly expense, you have so many more options (that don't appear on a calculator).
Say it louder for the people in the back! :D
by btq96r
Mon Jul 13, 2020 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of paying off mortgage
Replies: 146
Views: 8888

Re: Talk me out of paying off mortgage

If you're set with an emergency fund and contributing to retirement, pay off the house. Then you can take the extra money to either max out retirement if you aren't already, or build that $300k back up in a reasonable time by putting what was your mortgage payment into a mix of the total stock marke...
by btq96r
Sun Jul 12, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1718
Views: 429261

Re: Share your networth progression

I personally conclude that setting a rough AA and then just leaving it alone will have the same good outcome regardless of how often you check it. I've found that checking monthly keeps me focused, and makes me want to see good things every month. Having that cyclic reminder has my mind actively th...
by btq96r
Fri Jul 10, 2020 7:28 pm
Forum: Investing - Theory, News & General
Topic: Barrons: Market is setting new records. Here’s How to Prepare for a Plunge
Replies: 8
Views: 1710

Re: Barrons: Market is setting new records. Here’s How to Prepare for a Plunge

Yawn. Markets have geometric properties, so they're is going to be up and down; volatility is part of how this all works. If someone can't handle that, I don't know what to tell them aside from the overall trend line is going to be to your liking if you keep investing and reinvesting in the basic in...
by btq96r
Thu Jul 09, 2020 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1718
Views: 429261

Re: Share your net worth progression

Finally stabilizing >$200k after brushing it right before CoronaMania hit.

At age 38 with no kids and a high five figure salary, I've got a lot of room to invest, so I like my chances for future wealth building.
by btq96r
Wed Jul 08, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Walk or taxi to bus stop to get to the airport?
Replies: 66
Views: 3218

Re: Walk or taxi to bus stop to get to the airport?

An Uber or Lyft to the bus stop should only be a few bucks.

Or, you can consult the magic 8-ball.
by btq96r
Wed Jul 08, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Erroneous Urgent Care Bill....it keeps coming!
Replies: 25
Views: 2896

Re: Erroneous Urgent Care Bill....it keeps coming!

So many people don’t even read the OP thoroughly enough to understand the issue. This response is the best. Followed by the certified letter one. I work in the business office for a physician group, so I've got some experience with these kinds of issues. Medical billing is a byzantine labyrinth tha...
by btq96r
Tue Jul 07, 2020 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Erroneous Urgent Care Bill....it keeps coming!
Replies: 25
Views: 2896

Re: Erroneous Urgent Care Bill....it keeps coming!

The billing company needs to void the charges in the system somehow still left. Insist on talking to whoever has the authority to do so, the first tier reps don't get to make that call. Tell them you want a CPT line item record of all charges/payments associated with that MRN and/or accession number...
by btq96r
Tue Jul 07, 2020 1:53 am
Forum: Personal Investments
Topic: How to invest $500K?
Replies: 10
Views: 1534

Re: How to invest $500K?

Were it me... 1) Pay down/off any and all debts, including a mortgage. 2) Throw 85% into an index fund (VTSAX or the S&P 500 will do). 3) Throw 15% into a good bond fund (VBTLX will do). If you're older, more risk adverse...change the bond amount to your age by subtracting from the index fund amount.
by btq96r
Mon Jul 06, 2020 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: 15 year or 30 year mortgage?
Replies: 104
Views: 7251

Re: 15 year or 30 year mortgage?

I'm saving up a down payment, and I only really want a 15yr mortgage myself. But I'm also saving up a 50% down payment so that my monthly mortgage cost is well within my means to the point where I could lose my job and have to take a lesser paying one in a bad job market. Think of flexibility for yo...
by btq96r
Tue Jun 30, 2020 7:33 am
Forum: Investing - Theory, News & General
Topic: Forbes: Robinhood & Hertz: The Troubling Saga Of A Bankrupt Stock
Replies: 11
Views: 2156

Re: Forbes: Robinhood & Hertz: The Troubling Saga Of A Bankrupt Stock

petulant wrote:
Mon Jun 29, 2020 9:34 pm

Never expected to see Leeroy Jenkins come up on BH
Pretty easy to see Leroy as a day trader. :D
by btq96r
Tue Jun 30, 2020 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan?
Replies: 10
Views: 1006

Re: Pay off car loan?

Pay it off. Too many benefits in having no car payment if the vehicle is still reliable for a while; especially in the current uncertainty we live in.

I've always found playing the interest rate return game too cute by half when I can save money by not having an APR% in the mix.
by btq96r
Mon Jun 29, 2020 6:03 am
Forum: Investing - Theory, News & General
Topic: Forbes: Robinhood & Hertz: The Troubling Saga Of A Bankrupt Stock
Replies: 11
Views: 2156

Re: Forbes: Robinhood & Hertz: The Troubling Saga Of A Bankrupt Stock

I'd love to see the demographics of who was buying, and to what degree of their net worth. Generally, I'm a favor of letting those who want to play stupid games win stupid prizes, and giving Darwin a chance to up his batting average. However, with algos buying stocks now, their Leroy Jenkins style o...
by btq96r
Sun Jun 28, 2020 1:36 am
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 151
Views: 7375

Re: What famous investing quote reminds you of your investing style?

"Women and children can afford to be careless, but not men."
-Vito Corleone
by btq96r
Sun Jun 28, 2020 1:24 am
Forum: Personal Consumer Issues
Topic: Dress Shirts
Replies: 47
Views: 3705

Re: Dress Shirts

I've had good luck with a Kohl's brand (Croft & Barrow), and a Dillards brand (Cremieux), but I wait like a vulture for sales when I think it's coming up on time for new shirts. As others have mentioned, the fit is more important than the brand once you reach a certain level of quality...especially ...
by btq96r
Thu Jun 18, 2020 1:44 am
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 101
Views: 9116

Re: Online / Gun Dealer Recommendations

This is all after the OP said he bought a gun, but still relevant if anyone searches this topic. I'm what might be considered a "gun guy" by some, and worse by others. Buds is good, Palmetto State Armory is too if you don't mind the variable shipping times (I've bought two guns from them), and if Pr...
by btq96r
Mon Jun 15, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Looking for Shredder Recommendations
Replies: 30
Views: 1441

Re: Looking for Shredder Recommendations

If you really want to go all out, you can get one that's certified for DoD classified material. The cost is up there, but it'll likely last you the better part of a decade with just regular oiling.
by btq96r
Sat Jun 13, 2020 8:05 pm
Forum: Personal Investments
Topic: Critique on AA
Replies: 50
Views: 2475

Re: Critique on AA

Thanks for the feedback, all! Curious as to see why individuals are not fans of the international and SCV tilt? I understand that in the past 10 years if I stuck with total US market, I would be ahead but wouldn't ditching the international and SCV now be performance chasing? Was under the impressi...
by btq96r
Sat Jun 13, 2020 7:20 pm
Forum: Personal Investments
Topic: Critique on AA
Replies: 50
Views: 2475

Re: Critique on AA

That international seems way high to me, but I'm hella skeptical on something as wide ranging as "international" in large bundles like index funds. I've never been sold on that format as a sufficient diversification to justify big chunks of AA like that, and generally consider it a drag. I'd also di...
by btq96r
Sat Jun 13, 2020 7:14 pm
Forum: Personal Investments
Topic: Money market mutual fund for Emergency and known Expense
Replies: 16
Views: 1385

Re: Money market mutual fund for Emergency and known Expense

Just how substantial will the returns be if you chase yield with a CD on the $35k the OP is discussing? Probably not rich enough to justify the time spent beyond picking a MM fund from the institution you already invest in, setting the dividends to reinvest, and only needing to go back if you ever n...
by btq96r
Thu Jun 11, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21287

Re: Market makes no sense

OP, it's your money and your life, so do as you like...but feel free to change your username if you go for timing it. :D I'd just R-E-L-A-X. Things are gonna we be weird, a bit up & down for probably the rest of the year, but nothing is changing the long term outlook (at least to me at 38 with a 85/...
by btq96r
Thu Jun 04, 2020 3:03 am
Forum: Personal Finance (Not Investing)
Topic: Help me stop losing my mind over California HSA?
Replies: 30
Views: 2193

Re: Help me stop losing my mind over California HSA?

CFM300 wrote:
Tue Jun 02, 2020 11:21 pm
HSAs are not recognized by the Republic of California. Tax-wise, they're just another taxable account.
So wrong, but also so on brand.
by btq96r
Sat May 23, 2020 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt - Update - see below
Replies: 42
Views: 3462

Re: Advice Needed regarding debt

Nobody has suggested selling the car and buying a $2,000 car with cash, but that’s what Dave Ramsey would recommend. She will need to make some uncomfortable lifestyle changes to get out of this, including ridding herself of a car she can not afford. This is the cold hard truth about getting out of...
by btq96r
Sat May 23, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Radiologist here needing help regarding cross-state teleradiology work/taxes
Replies: 21
Views: 1505

Re: Radiologist here needing help regarding cross-state teleradiology work/taxes

I help administrate a rad group, and we have more a few radiologists working telerad evening shifts from out of state; but they're employees, not 1099s. I think we have the tax withholding set to the state they're in rather than where our offices are. You'll probably have a bunch more state license ...
by btq96r
Sat May 23, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 376
Views: 32815

Re: The axe falls and I am prepared. What's next?

At the least, you're in a better position that what you imagined as your worst case retirement plan. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=220234 If keeping up with the latest tech updates is getting harder, how about taking a lesser job just to keep benefits, some cash flow and servi...
by btq96r
Thu May 21, 2020 11:19 pm
Forum: Personal Investments
Topic: What to do with money in moneymarket account
Replies: 6
Views: 909

Re: What to do with money in moneymarket account

Mortgage 240k at 4% just bought house at 295k 6 months ago. Paying this down is an option. Obviously better to get 4% return than a 1.35% in money market. However worried about having no liquidity. If your emergency fund is stout enough, you shouldn't have to worry about liquidity. To me, the point...
by btq96r
Fri May 15, 2020 9:46 am
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6453

Re: Healthcare post COVID-19

One aspect of healthcare that's already changing and will so long as COVID-19 restrictions are in play...throughput. Healthcare is (rightly or wrongly) a business, and optimized as such. A lot of providers are figuring out how the profit margin looks when you have to reduce available slots per day (...
by btq96r
Wed May 13, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12135

Re: Dentist charges $10 for PPE

Dentists and hygienists wear PPE all the time...but in my state at least, they were asked to give up their supply to hospitals and first responders. So, I can see how they would need an above premium cost resupply to open back up, and keep inventory since everybody wants a mask just to go to the gro...
by btq96r
Wed May 13, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: What Blood Pressure monitor?
Replies: 13
Views: 836

Re: What Blood Pressure monitor?

Just depends on how much are you willing to spend. For enough money you could get the same kind of machines you see during your check-in at a clinic. But those products aren't cheap, so don't think it'll be like buying a blood pressure machine alone.
by btq96r
Sat May 09, 2020 1:30 pm
Forum: US Chapters
Topic: 75th Anniversay of VE Day - Thank you Taylor and others
Replies: 11
Views: 983

Re: 75th Anniversay of VE Day - Thank you Taylor and others

The men who won the war in Europe saved civilization as we know it. We owe them every measure of gratitude. Taylor, I served in the 101st for 8 years from Mar 2001- Apr 2009. Everyday I looked at that Screaming Eagle on my left shoulder and remembered what the men of your generation did to forge the...
by btq96r
Fri May 08, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Recommendations for relatively cheap cell phones
Replies: 34
Views: 1642

Re: Recommendations for relatively cheap cell phones

Get a OnePlus 5T or 6T if your network supports them. They're great phones with all the bells and whistles, and a very slick Android OS (Oxygen). I've had the 5T for about a year and a half now, and I certainly put it through its paces daily between personal use and work.
by btq96r
Fri May 08, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle....The Legacy Less Traveled.
Replies: 19
Views: 3327

Re: Jack Bogle....The Legacy Less Traveled.

It's no lie to say that what Jack Bogle set up made my life better. About seven years ago, I was working in Afghanistan for a year as a military contractor netting about $120k after taxes. Once I wiped out the credit debt I had piled up, I needed a place to start doing some serious investing. I was ...
by btq96r
Sun May 03, 2020 4:46 am
Forum: Investing - Theory, News & General
Topic: [Are American markets likely to outperform INTL]
Replies: 237
Views: 16396

Re: American exceptionalism

Betting against America by putting money into international funds is one of those things I just never see as a wise play... certainly not for the investing timeline of my road to retirement for the next 20-25 years. That's my emotional answer. A more practical one is I don't feel secure in my knowle...
by btq96r
Thu Apr 30, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 3884

Re: PPP Loan ethics

I am a physician, self employed, my LLC is contracted by a megacorp... I basically haven't gotten any stimulus money of any sort, just excessive exposure to corona at work and nothing else lol Longshot, but are you (or your NPI) billing Medicare, or does the megacorp have you on some kind of direct...
by btq96r
Fri Apr 24, 2020 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 13092

Re: Moving out of NYC due to pandemic

Basic pay outside NYC is higher for my specialty but ancillary and additional income that I receive will be gone. So total compensation will be lower. Have you tired to ballpark how a change from NYC living expenses to a less costly area would change your finances? Total comp isn't the total pictur...
by btq96r
Fri Apr 24, 2020 4:15 am
Forum: Investing - Theory, News & General
Topic: [Jim Cramer] "Stop Buying Index Funds"
Replies: 37
Views: 6184

Re: [Jim Cramer] "Stop Buying Index Funds"

If anyone listens to Jim Cramer's advice, they deserve to lose their money.
by btq96r
Wed Apr 22, 2020 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9908

Re: Best Covid19 resistant job

Government! Easily. I certainly would not make career plans with Covid-19 in mind! I'm currently a government employee; I would not choose such a position unless it were for the actual position/career-move itself. Hope you're an "essential employee" once that definition gets kick tested some. Finan...
by btq96r
Wed Apr 22, 2020 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9908

Re: Best Covid19 resistant job

Radiologist. I help run a Radiology practice, and across the industry groups are getting a COVID kick in the junk with outpatient imaging and elective procedures that use imaging guidance on hold. Very similar to how hospitals are facing cash crunches without high paying surgeries being done. ED vi...
by btq96r
Wed Apr 22, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 5134

Re: How much to tip on DoorDash?

$5 minimum. If I'm too lazy to leave my apartment, someone else deserves that money. Besides, it's common sense to make the person handling your food at least content with the money they're getting for it.
by btq96r
Wed Apr 22, 2020 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9441

Re: Parents want me to pay off their mortgage in exchange for title

Lynx, I took the time to ready through your other posts on the topic. This being your third thread on it, you're watching the train wreck in slow motion. I feel for you, man. This can't be easy as a son. But the situation just has so many red flags, and seems like giving an alcoholic one more drink,...
by btq96r
Tue Apr 21, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5967

Re: Exit Interview

With all due respect, I think this is terrible advise! As everyone else already pointed out, this is a legal formality to make sure nothing falls through the cracks, not a fact finding mission to improve company's future performance. There is absolutely nothing to be gained in that meeting, and pot...