Search found 185 matches

by abracadabra11
Sun Nov 22, 2020 11:54 pm
Forum: Personal Investments
Topic: Continue Maxing Retirement or Buy a House? (Military)
Replies: 21
Views: 1088

Re: Continue Maxing Retirement or Buy a House? (Military)

A few notes and a question: 1. Be prepared to be a landlord if you purchase a home. Or be prepared to lose money because of high transaction costs when selling. 2. Nice job with the savings and staying clear of debt. Given what looks to be very low expenses, I would recommend INCREASING your savings...
by abracadabra11
Sat Nov 21, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 151
Views: 9987

Re: Can we afford this $725,000 house?

Wife and I make just a smidge more than OP, early 30s, DINK. Absolutely no way would I ever spend that much on a house on our income. We are doing the move vs reno math right now and our move budget is capped at 400k. More than that would not let me sleep well. I likely would have agreed with this ...
by abracadabra11
Sun Nov 08, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Recommend a laptop for my 8 yo
Replies: 12
Views: 660

Re: Recommend a laptop for my 8 yo

A laptop to last 10 years? I recommend a cheap Chromebook now and then buy a proper laptop once he's in high school.
by abracadabra11
Sun Nov 08, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Lenovo Chromebook Duet
Replies: 9
Views: 961

Re: Lenovo Chromebook Duet

We use ours primarily for streaming while doing chores or relaxing in bed. It's a great device for the money. I actively close any background apps since it's not the most powerful device on the market. The included cover and keyboard really make it a very functional device. I wouldn't want to do any...
by abracadabra11
Mon Sep 28, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Replacement for a good pocket point-and-shoot camera?
Replies: 81
Views: 4003

Re: What Android smartphone to replace a good pocket point-and-shoot camera?

Another vote for the Pixel line. The 3 or 3a are a good starting point. Pixel 5 debut should give some more options or at least further reduce the prices of the previous generations.
by abracadabra11
Fri Sep 18, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 379
Views: 23543

Re: PC Build Thread 2020

Once again I'm reminded how weird BHs are compared to the average consumer. Report: Availability & Supply of NVIDIA RTX 3080 Video Cards I get wanting/needing to upgrade - I started this thread in large part because of how excited I am about the forthcoming Zen3 release. But it still strikes me...
by abracadabra11
Fri Sep 18, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Toddler Education
Replies: 43
Views: 2270

Re: Toddler Education

How about a 3 hour free-form walk-in-the-woods every day? You can talk about all the plants, insects, snakes, lizards, frogs, tadpoles, fish, turtles, rabbits, squirrels, birds, and other animals that you come across. Plus the rocks, stones, dirt, trash that you find tells a story, too. That sounds...
by abracadabra11
Thu Sep 17, 2020 11:03 pm
Forum: Personal Consumer Issues
Topic: Kids back to On Campus School - Would you ?
Replies: 46
Views: 1987

Re: Kids back to On Campus School - Would you ?

I didn't see it in the OP, but what alternatives are you considering (i.e. private enrollment, home schooling, switching to another school with available online enrollment, elevating request to district superintendent, etc.)?
by abracadabra11
Thu Sep 17, 2020 10:58 pm
Forum: Personal Investments
Topic: Franchises
Replies: 11
Views: 1205

Re: Franchises

On a whim, I applied to Chic-Fil-A and ended up going pretty far in the application process. It was not the best experience, and it confirmed my feeling that it would be better for me to eat there then to operate one. For CF, you don’t OWN anything... you’re an operator, so it’s not really a “franc...
by abracadabra11
Thu Sep 17, 2020 3:34 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge transaction fee?
Replies: 12
Views: 833

Re: Merrill Edge transaction fee?

You should generally expect to pay a fee when purchasing mutual funds at an institution other than the issuing institution. Each of the major brokerages have a variety of no-fee mutual funds, but they don't normally cover competitors' offerings. You have a few options: 1. Open an account at the inst...
by abracadabra11
Wed Sep 16, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14066

Re: Is this guy trying to scam me on a car I'm selling?

Americans dont use 24-hour clock time. We do if we’re pilots! :happy. Military or healthcare folks might as well. I agree with your point that it’s fairly uncommon. He says he works at Fort Detrick, so the use of 24-hour time is at least consistent with his stated workplace. I'll dissent from the m...
by abracadabra11
Sat Aug 22, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Convincing ISPs to improve neighborhood service
Replies: 14
Views: 1208

Re: Convincing ISPs to improve neighborhood service

I'm not sure that you have any real chance given the consolidation and intentional segmentation that occurred in the cable market. This article discusses some of the background, but is focused on more than just cable: https://www.vox.com/the-goods/2020/2/18/21126347/antitrust-monopolies-internet-tel...
by abracadabra11
Fri Aug 21, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains and Depreciation on Rental Property Sale - Virginia (Non-Resident)
Replies: 2
Views: 265

Re: Capital Gains and Depreciation on Rental Property Sale - Virginia (Non-Resident)

Follow-up to the original post. My initial rough calculation is as follows: Capital Gains Tax (Virginia) = ($40k - $18k) * 0.0575 = $1265 Depreciation Recapture (Virginia) = $20k * .0575 = $1150 Does that look roughly correct? In the above example, I did not deduct current year Capital Losses due to...
by abracadabra11
Fri Aug 21, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains and Depreciation on Rental Property Sale - Virginia (Non-Resident)
Replies: 2
Views: 265

Capital Gains and Depreciation on Rental Property Sale - Virginia (Non-Resident)

Looking for some guidance on calculating depreciation and capital gains on a rental property that was sold in Virginia. I think I have a decent grasp on the federal taxes due, but am not confident about what would be due to the state of Virginia. I plan on using tax software to calculate the tax due...
by abracadabra11
Sat Aug 15, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 239
Views: 16233

Re: Products that last forever

TiVo DVR - installed in May 2010 with lifetime subscription. Still working perfectly, hard drive spinning ten+ years with only power outages interrupting. I had to replace the case fan once for $5. Also replaced the remote a few years ago as we dropped the original too many times. Panasonic Viera 5...
by abracadabra11
Fri Aug 14, 2020 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Margin loan to meet mortgage relationship discount tier?
Replies: 9
Views: 699

Re: Margin loan to meet mortgage relationship discount tier?

Have you figured out how much of a drop needs to occur in your equities holdings at TDA before triggering a margin call? If not, you should start there.
by abracadabra11
Tue Aug 11, 2020 1:32 pm
Forum: Personal Investments
Topic: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard
Replies: 15
Views: 1507

Re: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard

Did you end up executing this? I am interested in doing the same thing, except with an IRA that's currently 100% invested in FZROX (Fidelity Zero US TSM). My plan was to exchange FZROX for FSKAX at Fidelity, transfer in kind to Vanguard, and then exchange FSKAX for VTSAX. I was under the impression...
by abracadabra11
Sat Aug 08, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Used Gaming Desktop buying advice
Replies: 19
Views: 1172

Re: Used Gaming Desktop buying advice

You don't need to go used for your budget. Build a new gaming PC.
AMD Ryzen 5 3600,B450/B550 Chipset, Radeon 5700XT build can fall into that range and will provide plenty of power for now and the future.
by abracadabra11
Mon Aug 03, 2020 10:38 pm
Forum: Personal Investments
Topic: What bonds in taxable
Replies: 12
Views: 1100

Re: What bonds in taxable

It might be worthwhile to have a specific conversation with her about risk. What risk is she specifically concerned with? We oftentimes use volatility as a proxy for risk and it works well in some instances, but doesn't in others. Since her income exceeds expenses by 2X, then I can't imagine she's w...
by abracadabra11
Tue Jul 28, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Modem and Router (C4000XG vs Asus RT-AC68U)
Replies: 10
Views: 1229

Re: Modem and Router (C4000XG vs Asus RT-AC68U)

What tier of service did you get with Centurylink? I don't know specifically about their offerings, but I'm willing to bet the RTAC68U won't be able to keep up with anything much faster than 200Mbps.
by abracadabra11
Sat Jul 25, 2020 10:43 pm
Forum: Personal Investments
Topic: $600k to invest in real estate, pay cash or leverage?
Replies: 8
Views: 1008

Re: $600k to invest in real estate, pay cash or leverage?

What's driving the real estate only restriction (i.e. this must be spent on real estate)?

You'll likely get better advice with some more details.
by abracadabra11
Fri Jul 10, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 87
Views: 14052

Re: Schwab as a one stop shop

Is anyone able to do automatic monthly investments into Vanguard mutual funds at Schwab? I recently moved some of my accounts to Schwab for a promotion and to try out their platform. Thus far, I'm not a fan of their interface, and I'll admit that this is partially due to being a Vanguard customer f...
by abracadabra11
Fri Jul 10, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 87
Views: 14052

Re: Schwab as a one stop shop

Is anyone able to do automatic monthly investments into Vanguard mutual funds at Schwab? I recently moved some of my accounts to Schwab for a promotion and to try out their platform. Thus far, I'm not a fan of their interface, and I'll admit that this is partially due to being a Vanguard customer f...
by abracadabra11
Thu Jul 09, 2020 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 87
Views: 14052

Re: Schwab as a one stop shop

Is anyone able to do automatic monthly investments into Vanguard mutual funds at Schwab? I recently moved some of my accounts to Schwab for a promotion and to try out their platform. Thus far, I'm not a fan of their interface, and I'll admit that this is partially due to being a Vanguard customer fo...
by abracadabra11
Sat Jul 04, 2020 5:03 pm
Forum: Personal Investments
Topic: Early Retirement Check Up - Looking for Direction
Replies: 43
Views: 3993

Re: Early Retirement Check Up - Looking for Direction

Some of the first questions you should be asking yourself if you're contemplating early retirement are: 1. How much am I currently spending? 2. How much do I plan to spend in retirement? Once you've answered those two questions, then you can start working backwards to figure out what your savings ra...
by abracadabra11
Fri Jul 03, 2020 11:56 am
Forum: Personal Investments
Topic: Moving Vanguard Total Stock fund shares
Replies: 11
Views: 625

Re: Moving Vanguard Total Stock fund shares

1789 wrote: Fri Jul 03, 2020 11:48 am Selling VTSAX on other brokerages might be free, at least it is so in Fidelity. Is there a particular reason why you are obsessed to hold VTSAX? For example you can sell it and then move money to Fidelity( using as an example) and buy FSKAX there.
Likely large capital gains in such a scenario.
by abracadabra11
Fri Jul 03, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Encryption for the cloud
Replies: 19
Views: 1518

Re: Encryption for the cloud

Cryptomator is another option. It's my go to for keeping sensitive data on cloud. It definitely was not as refined as Boxcryptor early on, but it has improved significantly since its early days.
by abracadabra11
Tue Jun 16, 2020 5:58 pm
Forum: Personal Investments
Topic: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard
Replies: 15
Views: 1507

Re: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard

anon_investor wrote: Tue Jun 16, 2020 1:30 pm
rgs92 wrote: Tue Jun 16, 2020 1:25 pm I would just sell it in Fidelity, transfer the funds to my checking account, and then buy the Vanguard Total Stock Market fund.
I don't think the OP wants to realize capital gains and have to pay tax...
:thumbsup
by abracadabra11
Tue Jun 16, 2020 12:12 pm
Forum: Personal Investments
Topic: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard
Replies: 15
Views: 1507

Re: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard

It is a personal choice where you hold your account but still wonder what is the reason for you to transfer? Do you have your other accounts with Vanguard? All my accounts invested in FSKAX (except 401k which is invested in sp500) and they are all at Fidelity. Can’t complain with the service i am g...
by abracadabra11
Tue Jun 16, 2020 12:11 pm
Forum: Personal Investments
Topic: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard
Replies: 15
Views: 1507

Re: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard

What are you trying to accomplish by transferring to Vanguard? As a brokerage operation, Fidelity probably has better service and IT. Vanguard regularly screws up basic stuff like cost basis or rollovers. I transferred out after they credited my rollover from TSP (federal government's 401k equivale...
by abracadabra11
Mon Jun 15, 2020 10:25 pm
Forum: Personal Investments
Topic: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard
Replies: 15
Views: 1507

Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard

1. Has anyone transferred Fidelity Total Market Index Fund (FSKAX) in kind from Fidelity to Vanguard? 2. How long did it take? 3. Did cost basis information transfer over properly? 4. If not, were you able to forward cost basis information to Vanguard and have them input it? 5. If you were using spe...
by abracadabra11
Tue May 19, 2020 10:45 pm
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1243

Re: Portfolio Review and Retirement Planning - Next 16 Years

4. Should we add EE bonds and/or I-Bonds to our portfolio? I think maxing out your savings bond purchases (both EE and I) would make a lot of sense. It might not be a LOT of money, but they represent the best returns available for long-duration assets. How would this work? If we max out EE and I bo...
by abracadabra11
Tue May 19, 2020 1:04 pm
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1243

Re: Portfolio Review and Retirement Planning - Next 16 Years

Updated the OP to close out #2 and #5.

Appreciate any input on remaining items under consideration.
by abracadabra11
Mon May 18, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: VW and Audi 0% APR - to buy or not?
Replies: 46
Views: 2867

Re: VW and Audi 0% APR - to buy or not?

We bought a GTI last year thinking it would be a fun to drive car. While it is competent, quick and alot more interesting than a penalty box Toyota, with the DSG it is not overly fun. Like most modern cars, the engine doesn't have much character, the steering doesn't have much feedback and the chas...
by abracadabra11
Sun May 17, 2020 5:02 pm
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1243

Re: Portfolio Review and Retirement Planning - Next 16 Years

We're 4 yrs ahead of you, retiring in 2022 with a military pension. My plan for Fishing at 50, has been derailed by an unexpected promotion which has us working until 52yrs old. An extra tour definately improves the retirement pension and financial situation. The finish line is near - congratulatio...
by abracadabra11
Sun May 17, 2020 4:00 pm
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1243

Re: Portfolio Review and Retirement Planning - Next 16 Years

If your total portfolio is 2 million, then there is 100K worth of S&P500 index in your wife's 401K and 40K of munis in your taxable. Why not sell 40 K of the S&P and buy treasurys (or other bonds). Then swap the munis for S&P index in taxable. Overall looks like a very good plan. Munis ...
by abracadabra11
Sun May 17, 2020 3:52 pm
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1243

Re: Portfolio Review and Retirement Planning - Next 16 Years

Between your TSP and your wife's 401k you have 40% of your portfolio available for bonds. Why not use that space? We will definitely use all of the TSP and 401K space for future G Fund/Bond contributions. However, we need additional space in taxable to get to 60/40 within the next 6 years from our ...
by abracadabra11
Sun May 17, 2020 11:39 am
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1243

Re: Portfolio Review and Retirement Planning - Next 16 Years

Chip - Thanks for taking the time to help. 1. Should we consider a glidepath to reduce our equity exposure to start retirement with a more conservative allocation? I don't have a strong opinion one way or another on glidepaths. But 80/20 might feel a bit too aggressive once you retire. Things are j...
by abracadabra11
Sat May 16, 2020 4:30 pm
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1243

Portfolio Review and Retirement Planning - Next 16 Years

Wife and I are fast approaching our planned early retirement and have aggressively saved and invested so that this may soon be a reality. Getting to this stage would not have been possible without the collective wisdom and insights littered throughout these forums. So thank you to everyone that has ...
by abracadabra11
Sat May 09, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Where do I file unemployment? Complex military spouse situation
Replies: 7
Views: 592

Re: Where do I file unemployment? Complex military spouse situation

What does her paystub show? My wife has been in similar positions in the past and her UI was paid to the state where we were stationed even though our state of residence was elsewhere and her company was located in DC.

I would expect California in your case.
by abracadabra11
Sat Apr 25, 2020 10:17 pm
Forum: Personal Investments
Topic: Early retirees who were close - how are you adjusting
Replies: 47
Views: 6851

Re: Early retirees who were close - how are you adjusting

First off, the 4% SWR is for 30 years, so it is not appropriate for someone retiring in their 50s. I would calculate for what is needed above and beyond Social Security at 4% and then add the additional funds that I need to get to SS as a separate line item. 4% withdrawal rate is a great rule thumb...
by abracadabra11
Sat Apr 25, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: Intel vs AMD Processor Equivalents
Replies: 28
Views: 2000

Re: Intel vs AMD Processor Equivalents

palaheel wrote: Sat Apr 25, 2020 5:45 am I find toms hardware useful for these types of questions. E.g.

https://www.tomshardware.com/features/amd-vs-intel-cpus
+1

Also see their CPU hierarchy

https://www.tomshardware.com/reviews/cp ... ,4312.html
by abracadabra11
Wed Apr 15, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Finger Lakes wines?
Replies: 8
Views: 528

Re: Finger Lakes wines?

It's been several years since I visited, but I really enjoyed the Rieslings from Hermann J. Wiemer vineyard on Seneca Lake.
by abracadabra11
Sun Apr 12, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment vs. work at Amazon warehouse/CA
Replies: 84
Views: 6160

Re: Unemployment vs. work at Amazon warehouse/CA

This is a simple decision and you shouldn't be discouraged by any guilt that anyone might throw your way related to not working. If she is going to collect more not working than working, then she should obviously forego the position and continue to look for a paying job that improves her future care...
by abracadabra11
Sat Apr 04, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: Business Cycle: At least one recession every 10 years
Replies: 56
Views: 2899

Re: Business Cycle: At least one recession every 10 years

It seems that you're using an anomalous and completely unexpected and unprecedented event and somehow attributing that to the idea of a 10-year business/recession cycle. That's just as silly as pointing to the inversion of the yield curve that occurred about a year ago and stating that it was someho...
by abracadabra11
Fri Mar 13, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Lifecycle Investing - Still the Right Strategy
Replies: 82
Views: 4655

Re: Lifecycle Investing - Still the Right Strategy

Meh! Doesn’t belong in this forum. There are plenty here that would disagree. Lifecycle investing, though likely not appropriate for many investors (because of the various prerequisites laid out in the book), is worth discussing and considering. The ceiling for most glidepaths has been 100% stock, ...
by abracadabra11
Thu Mar 12, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 6715
Views: 643921

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Less of an Excellent Adventure, more of a Bogus Journey if bonds don't bail out stocks. I don't ascribe to the adventure. It definitely piques my intellectual interests, but like many on this board, I remain on the sidelines and adhere to the prescribed safety of 3-fund portfolios (or similar) and ...
by abracadabra11
Sun Feb 09, 2020 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14333

Re: Am I crazy to consider quitting my job?

Consider this, take a chunk of that money you are making and hire some help so that the 2 days you are home are 100% dedicated to kids and volunteering. You may find that all your time dedicated to meal planning and cleaning gets old fast and that you miss using your big words... so I hear :wink: ....
by abracadabra11
Sat Feb 08, 2020 12:16 am
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 7082

Re: The annual "Boglehead considering a country club" thread

I probably had much too rosy of an image of my wife, baby and I just relaxing peacefully there. :) I think most first-time expecting parents have a rosy picture in mind. I know I definitely did :) I feel a bit bad for you as some people are jumping on you a bit. From one side it's "How could y...