Search found 133 matches

by Tattarrattat
Sun Nov 15, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for the psychological aspects of retirement
Replies: 18
Views: 2453

Re: Preparing for the psychological aspects of retirement

Some BH threads reading material :happy "What's your usual retirement day like?" Old Habits Can Sabotage Retirement Life in Retirement - what did you do today? What will you do when you retire? Psychology of Retirement Anyone disenchanted with retirement? What was your hardest retirement ...
by Tattarrattat
Thu Nov 12, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 342
Views: 23855

Re: How do YOU make coffee?

Burr grinder. Fresh grind every time. Fresh roasted beans, light or medium, from local roaster. Central America, Ethiopia, Indonesia, etc. Boil water, don't measure temperature or anything. Pour over a Melitta paper filter, currently through a Bee House ceramic filter cone. Don't weigh the beans or ...
by Tattarrattat
Thu Nov 12, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay tax on Roth conversion
Replies: 40
Views: 3483

Re: How to pay tax on Roth conversion

So would best practice be to withhold 1/4 of your expected conversion total each quarter and pay the estimated tax that same quarter? Would you still need to fill out form 2011? I'm not sure what you're saying. You would have to input at least some data for 2210 if your withholdings weren't enough ...
by Tattarrattat
Wed Nov 11, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay tax on Roth conversion
Replies: 40
Views: 3483

Re: How to pay tax on Roth conversion

So would best practice be to withhold 1/4 of your expected conversion total each quarter and pay the estimated tax that same quarter? Would you still need to fill out form 2011?
by Tattarrattat
Tue Nov 10, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 151
Views: 10319

Re: H&R Block 2020 software offer

Does the State product allow you to file more than one state return? I think I saw somewhere it's good for 3 states?
by Tattarrattat
Thu Nov 05, 2020 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Billpay
Replies: 28
Views: 2050

Re: Billpay

Very happy with Ally. Fidelity good too.
by Tattarrattat
Thu Nov 05, 2020 6:56 pm
Forum: Non-US Investing
Topic: Percent of assets in a single broker
Replies: 30
Views: 2836

Re: Percent of assets in a single broker

I'm about 60/40 Vanguard/Fidelity. Really no objective reason to not be all at one place except anxiety, I guess. Just feel uncomfortable having my whole financial life in one basket.
by Tattarrattat
Wed Nov 04, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: First time homebuyer. Just got the inspection report on a 100-year-old house. Advice requested...
Replies: 113
Views: 7531

Re: First time homebuyer. Just got the inspection report on a 100-year-old house. Advice requested...

Lived in an old home for 20 years. There is always, always, always something else to fix. If you have a video inspection of your sewer, they will undoubtedly find cracks (10k). If you have a video inspection of your chimney, they will undoubtedly find cracks (10k). Home repair jobs: smaller projects...
by Tattarrattat
Wed Nov 04, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Steelcase Gesture: Headrest? Other Models? (Office Chair)
Replies: 23
Views: 1505

Re: Steelcase Gesture: Headrest? Other Models? (Office Chair)

Got the Steelcase Amia about six weeks ago. Very happy with it.
by Tattarrattat
Tue Nov 03, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: Understanding Vanguard statement for tax planning
Replies: 9
Views: 835

Re: Understanding Vanguard statement for tax planning

So: 1. Non-qualified ordinary dividend 2. Regular old interest from a savings account 3. Short term capital gain will all be taxed like normal income. While: 1: Qualified ordinary dividend 2: Long term capital gain will be taxed as long term capital gains. Does that cover it for the purposes of cate...
by Tattarrattat
Mon Nov 02, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: How on earth can overweighting US stock over international stock possibly be considered Boglehead?
Replies: 253
Views: 15760

Re: How on earth can overweighting US stock over international stock possibly be considered Boglehead?

What's the point of presenting the topic of international investing in this manner? It has been litigated endlessly in scores of threads. The amount of international is personal preference. The argument of what constitutes the ultimate "purity" of a Boglehead approach is not productive.
by Tattarrattat
Mon Nov 02, 2020 2:34 pm
Forum: Investing - Theory, News & General
Topic: Understanding Vanguard statement for tax planning
Replies: 9
Views: 835

Re: Understanding Vanguard statement for tax planning

Ah, so:
Qualified Dividend = Long Term Gain
Ordinary Dividend = Short Term Gain
by Tattarrattat
Mon Nov 02, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for 700 and above
Replies: 21
Views: 1822

Re: Credit Card for 700 and above

I don't want to make a hobby or second job out of managing credit cards. Fidelity/Elan 2% for me and otherwise don't think about it.
by Tattarrattat
Mon Nov 02, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 97
Views: 16245

Re: Why do reviewers love the Dell XPS 13 but users don't?

I'm typing on an xps 13 right now. It's at least four years old and it's been excellent. Best laptop I ever had. Does everything well and super reliable. The only criticism I would have at this point is now that Zoom meetings are a daily reality, is that the camera is in a poor position at the botto...
by Tattarrattat
Mon Nov 02, 2020 12:45 pm
Forum: Investing - Theory, News & General
Topic: Understanding Vanguard statement for tax planning
Replies: 9
Views: 835

Understanding Vanguard statement for tax planning

Hi. Trying to do some end of year tax planning and I am a little confused by the Vanguard statements. This is a brokerage account with stock funds and municipal bond funds. I have not done my own taxes recently so it's a little unclear to me. I am trying to avoid underpayment penalties. When I click...
by Tattarrattat
Wed Oct 28, 2020 3:25 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 317
Views: 26846

Re: Anybody here trying Coast FIRE?

CampFIRE: market turns south, they foreclose on your house, and you have to live in a tent.
by Tattarrattat
Wed Oct 28, 2020 3:19 pm
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 380
Views: 20330

Re: What’s “your number” for each kid’s 529?

I found the 529 valuable. By the time my kids went to college, about 1 to 1 1/2 years of tuition was covered by tax free earnings. That's without any state tax deduction. If it was a taxable account, it would have been tens of thousands of dollars less available for tuition, lost to taxes.
by Tattarrattat
Sat Oct 24, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Protein consumption strength training
Replies: 80
Views: 4569

Re: Protein consumption strength training

Not sure how old the OP is or what their goals are but if you are a normal person with normal fitness goals, you don't need any supplements. Just eat a healthy balanced diet without processed junk, you already know what that is. A reasonable mix of conventional cardio and weight training will do the...
by Tattarrattat
Sat Oct 24, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 59
Views: 3549

Re: Trail sneakers

Since no one has mentioned them, shout out to Oboz. Not really a trail sneaker but I wear the low rise ones for the same purposes. Built like a tank, super supportive, fit (me) great. Best of all, can wear them for miles without plantar fasciitis flaring up. Recommend a try-on.
by Tattarrattat
Sat Oct 24, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Collected short stories by one author
Replies: 21
Views: 1117

Re: Collected short stories by one author

The Little Disturbances of Man, Grace Paley. A life-changer, extraordinarily adept, effortless seeming writing, insightful, wistful, funny. Greasy Lake, T. Corraghessan Boyle Diabolically clever and hip. The enfant terrible of short stories. Love em both. Have re-read both many many times.
by Tattarrattat
Thu Oct 22, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Meditation Guides?
Replies: 58
Views: 2713

Re: Meditation Guides?

I tried a couple of meditation apps. Having that droning new age voice telling you how to breathe or what to think or what to do when you're trying to "empty your mind" seems like the antithesis of mindfulness. Really irritating. I guess you can read about it or watch or listen to somethin...
by Tattarrattat
Thu Oct 22, 2020 4:23 pm
Forum: Personal Investments
Topic: Fidelity® Money Market Fund (SPRXX) yield less than ER
Replies: 4
Views: 628

Re: Fidelity® Money Market Fund (SPRXX) yield less than ER

Better at this point to store excess cash in a high yield savings account and transfer to Fido just what you need to cover checks.
by Tattarrattat
Thu Oct 22, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any Experiences with UMB Bank?
Replies: 6
Views: 451

Re: Any Experiences with UMB Bank?

Likewise use them via the Fidelity branded account. Never an issue. All works well.
by Tattarrattat
Wed Oct 21, 2020 8:39 pm
Forum: Investing - Theory, News & General
Topic: If you have a sizable portfolio, you don't need an emergency fund
Replies: 260
Views: 25697

Re: If you have a sizable portfolio, you don't need an emergency fund

Lots of straw men, assumptions and cherry picking in the original scenario. In the end, it's an "all equities" post we see so much of in bull markets and in FIRE blogs and so on. Not the kind of post you will see if we end up in a long grinding bear market as we've seen in the past (if you...
by Tattarrattat
Wed Oct 21, 2020 8:09 pm
Forum: Personal Investments
Topic: 72 year old, wanting to put investments in "auto pilot" mode, please advise
Replies: 25
Views: 3269

Re: 72 year old, wanting to put investments in "auto pilot" mode, please advise

He's been doing a great job to this point. Putting the money in the 2015 fund will be an excellent choice as well. Shouldn't end up very different than what he's been doing already, with less work and attention required.
by Tattarrattat
Wed Oct 21, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with no debit/ATM card?
Replies: 47
Views: 2097

Re: Bank with no debit/ATM card?

With the Ally card control app, you can leave the card disabled most of the time, then just enable it from the cell phone app when you need it. If you lose it, it should already be in disabled mode.
by Tattarrattat
Wed Oct 21, 2020 5:18 pm
Forum: Personal Investments
Topic: New Vanguard investor: 3 questions(1. d/c'ing PAS 2. using Target retirement 3. whole life
Replies: 18
Views: 1361

Re: New Vanguard investor: 3 questions(1. d/c'ing PAS 2. using Target retirement 3. whole life

It would be reasonable to have target date funds in all accounts. No more agonizing. Can set it and forget it. At 24% tax bracket, the tax efficiency arguments are not that compelling. Whatever debatable tax inefficiencies there are in the future, it will still be cheaper than PAS and may very well ...
by Tattarrattat
Wed Oct 21, 2020 4:31 pm
Forum: Investing - Theory, News & General
Topic: OK to hold Total Bond Mkt in taxable acct?
Replies: 46
Views: 2474

Re: OK to hold Total Bond Mkt in taxable acct?

When stock dividends are higher than bond yields, there can be a distinct advantage to putting stocks in tax deferred and bonds in taxable, reversing the usual recommendation. There is a popular white coat investor blog on this issue: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-tax...
by Tattarrattat
Wed Oct 21, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10685

Re: Convince us to buy our first luxury car!

This a forum known for frugality. Any question about luxury cars will generate the same flood of (correct) advice about what poor investments luxury cars are from a financial point of view. Luxury cars are a consumer indulgence, no matter how much or how little you earn. Only you can decide if it's ...
by Tattarrattat
Wed Oct 21, 2020 3:28 pm
Forum: Investing - Theory, News & General
Topic: What is the truth behind the statement very few people are able to beat the market?
Replies: 62
Views: 5072

Re: What is the truth behind the statement very few people are able to beat the market?

Redditt represents random posts and recommendation. You don't know the entire portfolio of the poster or their long term track record. Anyone can throw out a random winner here and there. Nobody talks about their bad picks. Trendy hot picks make people look smart for a year or two until the stock fa...
by Tattarrattat
Wed Oct 21, 2020 3:20 pm
Forum: Investing - Theory, News & General
Topic: OK to hold Total Bond Mkt in taxable acct?
Replies: 46
Views: 2474

Re: OK to hold Total Bond Mkt in taxable acct?

When stock dividends are higher than bond yields, there can be a distinct advantage to putting stocks in tax deferred and bonds in taxable, reversing the usual recommendation. There is a popular white coat investor blog on this issue: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-taxa...
by Tattarrattat
Wed Oct 21, 2020 7:52 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 154
Views: 13260

Re: Where do you buy coffee beans?

A guy I work with is a professional roaster as a side job and he says Starbucks basically burns cheap beans in large batches. Calls them "Charbucks," He knows more than I do, but I do find them harsh. I drink black coffee, drip. It's totally exposed. For my preferences, small batch, single...
by Tattarrattat
Tue Oct 20, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Favorite Science Fiction Movies
Replies: 179
Views: 8684

Re: Favorite Science Fiction Movies

A bunch of fans bought the original sets from the TV show. They then convinced a couple writers from the show and associated novels to come up with new episodes. They then filmed a fifth season to the original show! The episodes are all fantastic. They have the look and feel of the original show, b...
by Tattarrattat
Tue Oct 20, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 480
Views: 37949

Re: Items that are worth the money for the quality

I have a carbon steel pan I have been using/seasoning for years. It's all blackeened and everything like it's supposed to be. Great for searing food, but it just isn't non-stick like the synthetic surfaces.
by Tattarrattat
Tue Oct 20, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 480
Views: 37949

Re: Items that are worth the money for the quality

Mattress - About to pull the trigger on a Cal King Sleep EZ organic latex mattress. 10" (3 x 3" latex layers, two sides completely different layers/softness). Hoping for the best. If anyone has any wave-offs, let me know!! 3 layer latex mattresses are the best. Switched to one 15 years ag...
by Tattarrattat
Tue Oct 20, 2020 6:07 pm
Forum: Personal Investments
Topic: How much do you allocate to international equity?
Replies: 73
Views: 4678

Re: How much do you allocate to international equity?

20%. Not a big fan of int'l, but hedging my bets.
by Tattarrattat
Tue Oct 20, 2020 5:22 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 480
Views: 37949

Re: Items that are worth the money for the quality

Ease of use is subjective. I agree with marshall. I’ve used HP , Lenovo and HP through work - high end developer machines. Mac is better. . I also agree with Marshall. A MacBookPro will probably last 3 times as long as anything from Dell, HP, Lenovo, etc. Absolute nonsense. The RAM, hard drive, and...
by Tattarrattat
Tue Oct 20, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 151
Views: 10319

Re: H&R Block 2020 software offer

What do people do if using HRB software and they have to file for multiple states?
by Tattarrattat
Sun Oct 18, 2020 8:50 pm
Forum: Personal Investments
Topic: Admiral Shares vs ETF's
Replies: 19
Views: 1438

Re: Admiral Shares vs ETF's

Admiral Shares vs ETF doesn't matter. They're functionally the same and the prices are very close, too close to make much difference but if you're a real cost hawk then ETFs will be the cheapest. If you're that much of a cost hawk, then you want to do it yourself. A little reading on this forum wiki...
by Tattarrattat
Sat Oct 17, 2020 12:28 pm
Forum: Personal Investments
Topic: Migrating IRAs to another brokerage, pitfalls?
Replies: 7
Views: 679

Re: Migrating IRAs to another brokerage, pitfalls?

If you convert to ETFs first, then you will never be out of the market. The ETFs will stay in the market the whole time.
by Tattarrattat
Fri Oct 16, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322084

Re: Retiree Portfolio Model

Thank you! Nicely organized. I am going to combine this with my MrDrinkWater cheat sheet to really have a go at that spreadsheet.
by Tattarrattat
Fri Oct 16, 2020 4:03 pm
Forum: Investing - Theory, News & General
Topic: Invest 100% in Vanguard Funds at Schwab
Replies: 15
Views: 1265

Re: Invest 100% in Vanguard Funds at Schwab

If you grow your assets to 5 million dollars, will you spread that among 10 brokerages? Vanguard is the custodian for trillions of dollars.
by Tattarrattat
Fri Oct 16, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4900
Views: 939478

Re: What's Your Credit Card Rewards Strategy?

Some time ago there was a discussion here (maybe in this thread but maybe not) regarding what a retiree can and should put down for annual income on a credit card application. I recall opinions were split: Many thought that you should only put what your real income is, while others thought you shou...
by Tattarrattat
Thu Oct 15, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Most comfortable shoe: please recommend
Replies: 81
Views: 6565

Re: Most comfortable shoe: please recommend

l like Saucony Triumphs. Super comfy and stable and well cushioned (but with great road feel and maneuverability) and they seem to wear well after several years. I can turn on a dime with them and they feel natural for walking or jogging. https://www.saucony.com/en/triumph-18/44577M.html?dwvar_4457...
by Tattarrattat
Thu Oct 15, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Most comfortable shoe: please recommend
Replies: 81
Views: 6565

Re: Most comfortable shoe: please recommend

Brooks Glycerin is fantastic for general use, wear them for long work days standing on hard floors. I use Ghost for running, because they're a little firmer. The Glycerin is very plush. Big Brooks fan. That being said, it depends what fits you. Anonymous advice on the internet will not be of help. ...
by Tattarrattat
Thu Oct 15, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are the financial risks of not owning a house?
Replies: 106
Views: 10271

Re: What are the financial risks of not owning a house?

Owned a house 21 years. Sold last year. Calculated the appreciation for the 21 years at 3.1% per year. Not too bad. Then subtracted 100s of thousands of dollars of taxes, repairs, maintenance, etc. Doing the math, would've come out far ahead renting the same house and investing the capital in sp500....
by Tattarrattat
Thu Oct 15, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Appliance purchase - Brand & Store Strategy
Replies: 20
Views: 1585

Re: Appliance purchase - Brand & Store Strategy

Always found the price/reliability equation good with the Whirlpool/KitchenAid family. Prefer local appliance place for service backup reasons.
by Tattarrattat
Thu Oct 15, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Vitamix A2300: any disadvanatges
Replies: 7
Views: 742

Re: Vitamix A2300: any disadvanatges

The lowest model in the ascent series is just fine. Its basically exactly the same from a blender point of view. All you get as you go up is more electronic controls, which I didn't need or want. All you need is on/off and speed.
by Tattarrattat
Thu Oct 15, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Most comfortable shoe: please recommend
Replies: 81
Views: 6565

Re: Most comfortable shoe: please recommend

Brooks Glycerin is fantastic for general use, wear them for long work days standing on hard floors. I use Ghost for running, because they're a little firmer. The Glycerin is very plush. Big Brooks fan. That being said, it depends what fits you. Anonymous advice on the internet will not be of help. N...
by Tattarrattat
Wed Oct 14, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322084

Re: Retiree Portfolio Model

I would suggest that first-time RPM users should not sweat having negative numbers and red text error messages for the first few hours of using and entering data into RPM. For the first-time in using RPM, don't clear all the entries on the Setup Page. Don't try to make a perfect model that exactly ...