Search found 2980 matches

by kenyan
Mon Feb 03, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 287
Views: 35900

Re: What video games are you currently playing?

When I get a chance, I'm mostly playing Elder Scrolls Online right now. Picked it up during a BF sale on PC - I had it on Xbox way back when, but hadn't played in several years, and figured that I could play through the expansions and try out the new class. Playing almost entirely solo since I rarel...
by kenyan
Wed Dec 04, 2019 6:59 pm
Forum: Investing - Theory, News & General
Topic: Rotate purchases of tax loss harvesting partners?
Replies: 17
Views: 1012

Re: Rotate purchases of tax loss harvesting partners?

As someone that hasn't done this and has only read about it, one fine point that people in my situation seem to want to understand is how to deal with the "30 days before" part of the rule when selling. I think previous discussions indicate you can either wait for that limit to pass after your last...
by kenyan
Wed Dec 04, 2019 2:20 pm
Forum: Investing - Theory, News & General
Topic: Rotate purchases of tax loss harvesting partners?
Replies: 17
Views: 1012

Re: Rotate purchases of tax loss harvesting partners?

The solution is to do what House Blend said and only be buying one of the pairs at a time. I think that's what everyone is saying. Regarding your specific scenario - once you have taxable losses to harvest, you shouldn't be buying more of that fund, you should harvest the losses. I don't think anyo...
by kenyan
Wed Dec 04, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: Rotate purchases of tax loss harvesting partners?
Replies: 17
Views: 1012

Re: Rotate purchases of tax loss harvesting partners?

I think there is no point in doing this. First of all maybe you are thinking that if you buy something on Monday and sell 2 days later on Wednesday the same shares at a loss that this is a wash sale. It is NOT a wash sale. Basically, don't make tax-loss harvesting more complicated than it already i...
by kenyan
Thu Nov 14, 2019 4:06 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2694
Views: 500491

Re: What are you up YTD? [Year To Date]

Up about 30% with Beardstown math.

Up about 16% based upon returns. Will actually do an XIRR once the year is up to get the real answer.
by kenyan
Tue Oct 22, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: Pensions - Why Isn't Time In the Market a Part of the Formula?
Replies: 30
Views: 4058

Re: Pensions - Why Isn't Time In the Market a Part of the Formula?

The CalPERS/CalSTRS pensions (and many other government-sponsored pensions) are not solvent on their own, and the obligation formulas are not based upon actuarially sound math - at least compared to what could exist in the private sector. They don't need to be, as they have a very large backstop.
by kenyan
Tue Oct 22, 2019 4:49 pm
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 124
Views: 22356

Re: Putting Active Management to the Test

Just wondering how far the numbers would swing if these were tax-adjusted returns.
by kenyan
Thu Oct 17, 2019 2:16 pm
Forum: Personal Investments
Topic: HSA - bonus "Roth IRA"
Replies: 7
Views: 1308

Re: HSA - bonus "Roth IRA"

I'm assuming you're aware that you can only contribute to HSA when you have a HDHP? If you don't have a HDHP, you can't contribute. We switched to take advantage of the HSA this past year, which was the first year it was offered to us. The tax benefits of the HSA are unparalleled, if used correctly ...
by kenyan
Tue Oct 08, 2019 2:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13192
Views: 2238266

Re: U.S. stocks in free fall

I looked at the market this morning and then went to Boggleheads specifically for this thread. Not finding it on the first page is what really unnerved me. :shock: Speaking for myself, the S&P 500 at least has just been 'bunny hopping' for a while now, up a bit and then down a bit but not really go...
by kenyan
Sun Sep 29, 2019 2:50 pm
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 5141

Re: How much cash do you keep in your HSA?

First year having HDHP/HSA, but we just carry the minimum of $1000. Out of pocket for all medical expenses; the HSA is a retirement account for us.
by kenyan
Tue Sep 17, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 9243

Re: Alternatives to Subaru Outback?

When we ended up with our Outback (2014), I also test drove a Forester (N/A for you), Mazda CX-5, Hyundai Santa Fe Sport, Honda CR-V, Ford Escape. Honda Pilot and Toyota Highlander are nice (I have friends with each) but definitely bigger cars than the Outback. Might push out of your desired price r...
by kenyan
Fri Sep 13, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

For those with the Juiced CCS, how does this thing come shipped exactly? The biggest problem for me (not having to change tires like the previous poster) was getting those darn fenders on right. I muddled through it, despite having near-zero experience working on bikes, and took it out for a test r...
by kenyan
Thu Sep 12, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Bike head/rear lights
Replies: 31
Views: 1848

Re: Bike head/rear lights

A bright, strobing front light might be better for the daytime/dusk, but when it's dark out I want a solid front light. I need to see the path/road in front of me. Rears (I have 3, two that are visible from the sides as well) are all blinkies. You HAVE to have lights when you're riding at night. I'm...
by kenyan
Tue Sep 10, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

To each their own, but for me the choice is clear. Juiced Bike CrossCurrent S2. https://www.juicedbikes.com/products/crosscurrent-s2 Other bikes do not even come close, on a pure specs and cost basis. Mine should ship in late October ... in time for winter, i guess. Given that Juiced Bikes is an op...
by kenyan
Tue Sep 10, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

Once the mindset is changed, the e-bikes are life-changers. Indeed. The most common mistake is that people see them as recreational devices for lazy people. I see them more as hyper-efficient (10-20 times more efficient than an electric car) and versatile transportation devices that also happen to ...
by kenyan
Tue Sep 10, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

Agree to disagree. Go father with less effort. Not the same. With using pedal assist you can put in the same effort but faster. Precisely. I don't stop working hard at pedaling just because I'm going faster than I 'deserve'. I enjoy the speed and pedal just as hard as I would without assist, some s...
by kenyan
Tue Sep 10, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

If good e-bikes were $250 would you have one? I probably would too. Your use case (kid hauler, grocery getter) is a good one. Do you really have to go 30 miles (bike or car) to do errands? The cost/benefit is still out of whack because people don't likely sell their car. I wouldn't sell my pedal bi...
by kenyan
Tue Sep 10, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

We are closer to the vision of the movie Wall-E where people sit in hover cars all day with no effort and cannot walk anymore. :mrgreen: Do you really think an e-bike puts us closer to that? I think the personal automobile is by far the biggest problem shoving us in that direction. The e-bike is in...
by kenyan
Tue Sep 10, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

I've been riding my Juiced CCS (CrossCurrent S) for about 9 months now. One flat tire from a construction staple - no other issues. I crank up the assist to "S/sport" for my commute home and keep up with traffic in the 25 mph timed stoplight sections. Don't break a sweat unless it is hot outside an...
by kenyan
Tue Sep 10, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

However, mid drive are required for most applications, in order to get enough clearance for disc brake calipers. Also, belt drive eliminates most of the maintenance issues; even better with a Rohloff/Enviolo drive train. See: https://www.prioritybicycles.com/products/embark I think you must be refe...
by kenyan
Tue Sep 10, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

I have an Xtracycle Edgerunner 10E kid-hauler with Bosch mid-drive E-assist. I'm a Boston "Streetcar" Suburb commuter to the downtown core. It's allowed me to skip taking public transit options for my commute and allow me to skip past lots of school traffic for dropping kids off at their respective...
by kenyan
Tue Sep 10, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

I think some of these e-bikes (like the Rad series) look awesome. I have a question for those that use them ... how do you handle security? Basically, how do you lock them up ... could someone steal just the battery without much effort, etc. I guess I would put a removable lock box on the back, too...
by kenyan
Tue Sep 10, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

You have a link to that study? I'm a bit skeptical on that and would like to look at the data. Finally did try an ebike a couple weeks ago. I'm looking into getting a conversion kit for an older bike (with much better components than many ebikes out there) because I'd like to get one for a means to...
by kenyan
Mon Sep 09, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

As far as speeds - Class 1 e-bikes provide pedal assist up to 20 mph Class 2 e-bikes provide throttle only up to 20 mph Class 3 e-bikes provide pedal assist up to 28 mph Naturally, the same bike can have both pedal assist and throttle only. Anything above 28 mph assist is technically not a bicycle a...
by kenyan
Mon Sep 09, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9777

Re: Electric Bicycles

A study was just published showing that e-bike riders (in the study) got just as much exercise as regular bike riders (they ride more, ride further). I'm in excellent shape, but absolutely love my e-bike. An electric bike is not just a way to cheat and make your exercise easier. It's a mode of trans...
by kenyan
Fri Aug 09, 2019 4:15 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Worth it?
Replies: 176
Views: 13169

Re: Tax Loss Harvesting Worth it?

Certainly seems worth it to me, now that I have (risky) taxable investments. Especially since my marginal income tax rate is over 33% (with state taxes), and my current planning has me paying 0% LTCG rate (including state taxes) when I withdraw, that's a pretty nice savings on $3k per year.
by kenyan
Thu Jul 25, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do I include taxes when calculating a retirement number?
Replies: 63
Views: 5650

Re: Do I include taxes when calculating a retirement number?

Certainly, it's all about expenses in retirement. For my personal (early retirement) calculations, I'm subtracting/reducing some things from my current expenses to project those new expenses - mortgage (will have paid off house, theoretically), day care, life insurance, a couple of others. Adding a ...
by kenyan
Tue Jul 23, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Company now allowing Mega Backdoor Roth; some questions
Replies: 8
Views: 924

Re: Company now allowing Mega Backdoor Roth; some questions

No issues with Roth IRAs at multiple companies; the IRS considers them all to be one IRA anyhow. However, it sounds like your Mega Backdoor will actually be Roth 401k, not IRA, yes? Either way, you should be fine; just make sure you know how many rollovers you're allowed (my plan only allows 4 per y...
by kenyan
Mon Jul 08, 2019 7:35 pm
Forum: Personal Investments
Topic: FIRE question
Replies: 12
Views: 2062

Re: FIRE question

I plan to use the Roth conversion ladder. Hope to FIRE at 43. Quick-and-dirty explanation of how that works, in case you didn't follow other links is: Converting traditional, pretax assets to Roth assets triggers a 5-year rule (technically less than 5 years, but no need to bog this down). You can ac...
by kenyan
Thu Jun 13, 2019 4:17 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth - How to setup?
Replies: 17
Views: 1496

Re: Mega Backdoor Roth - How to setup?

Definitely find out how many in-plan Roth conversions are allowed per year from Fidelity. Mine only allows four; it would be a bummer to use them all up in the first couple of months. I actually roll mine out of the plan to a Roth IRA, but I'm still subject to four of those transactions per year, an...
by kenyan
Wed Apr 17, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11705

Re: seriously thinking about leaving S. CA but where to?

Ashland/Medford, OR. Ashland for more liberal politics, Medford for more conservative. Never been, just did quite a bit of research into the area while looking for places to flee SoCal to.

We're not going there, but it ticks most of your boxes, including the non-CA one. No beaches, though.
by kenyan
Wed Apr 10, 2019 3:48 pm
Forum: Personal Investments
Topic: open back door Roth, wise decision?
Replies: 17
Views: 981

Re: open back door Roth, wise decision?

Thank you everyone. Just need to figure out if paying taxes (about $600) for backdoor Roth conversion is worth or not. Also keep in mind that it's not as though you are flushing the $600 down the drain. You're converting a pretax account to a Roth. If tax rates are the same now vs. upon withdrawal,...
by kenyan
Tue Apr 09, 2019 5:32 pm
Forum: Personal Investments
Topic: open back door Roth, wise decision?
Replies: 17
Views: 981

Re: open back door Roth, wise decision?

If you haven’t done any Roth conversions in 2018, there is no need to report the balance in traditional IRAs as of December 31, 2018. In fact tax software will skip right through that section. Look at Forn 8606, it asks “did you take distributions from traditional, SEP, SIMPLE IRAs of make a Roth c...
by kenyan
Tue Apr 09, 2019 3:58 pm
Forum: Personal Investments
Topic: open back door Roth, wise decision?
Replies: 17
Views: 981

Re: open back door Roth, wise decision?

Thank you for responding to my post. would you mind clarifying 2 more doubts? 1) Tira:$5200($200 gain in last 5 years). do i pay regular Income tax(22%) on the whole amount($5200) if I create a backdoor Roth of $5500(2018 max amount)? 2) once I create backdoor roth, going forward I can contribute a...
by kenyan
Tue Apr 09, 2019 3:00 pm
Forum: Personal Investments
Topic: open back door Roth, wise decision?
Replies: 17
Views: 981

Re: open back door Roth, wise decision?

In other words, I would go with Option 2, including a conversion of your existing TIRA to Roth. By the way, the 2019 limit is $6000/year for IRAs, up from $5500 for 2018. Whether or not you invest your Roth IRA in bonds is a separate question that should take into account all of your assets and acco...
by kenyan
Tue Apr 09, 2019 2:57 pm
Forum: Personal Investments
Topic: open back door Roth, wise decision?
Replies: 17
Views: 981

Re: open back door Roth, wise decision?

If you're expecting your income to be high going forward, I would strongly consider converting the existing TIRA to a Roth IRA. Yes, you'll pay a chunk of taxes on it, but it'll free you up to do Backdoor Roths without complication now and in the future. I wouldn't bother with nondeductible Traditio...
by kenyan
Wed Mar 27, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Market timers thread
Replies: 289
Views: 21216

Re: Market timers thread

Because "all the smart people on wall street" represent such a small number of people overall who trade, that they don't really move the needle all by themselves? I would double check this assumption. I don't think it's a good one. Right...the key is not the number of people making the trades; it's...
by kenyan
Sat Mar 09, 2019 3:05 pm
Forum: Personal Investments
Topic: Oppenheimer???? Stay out of this or help???
Replies: 29
Views: 2572

Re: Oppenheimer???? Stay out of this or help???

Oppenheimer is awful. Just awful. They have willfully missed the memo that it's not the 1980s anymore. We have a SIMPLE IRA through them, but transfer our money out regularly. Still have to pay a 1% load to leave and 2%+ ER while we're there, but at least we can get our money out. 2% ER on 2 million...
by kenyan
Wed Feb 13, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: What does it means to NOT reinvesting the capital gains?
Replies: 15
Views: 1242

Re: What does it means to NOT reinvesting the capital gains?

I noticed that there is always that option to reinvest the capital gains of a fund or to not reinvest. I don't understand what will happen exactly if I chose not to reinvest the capital gains! Capital gains are the appreciating of the share price, thus, it is not something being distributed at the ...
by kenyan
Tue Feb 12, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 56
Views: 13703

Re: 2019 Subaru Outback 2.5 vs 3.6

We have the 2.5i from 2014. We haven't loaded it quite to what you are describing, but without a trailer I'm not sure that your use case would be that much more substantial than our few mountain camping trips (Sequoias, Grand Canyon, and mountains in between and around SoCal). Will you be accelerati...
by kenyan
Thu Feb 07, 2019 6:51 pm
Forum: Investing - Theory, News & General
Topic: Is"after-tax contribution to 401k" same as Backdoor Roth
Replies: 12
Views: 912

Re: Is"after-tax contribution to 401k" same as Backdoor Roth

I know this sounds some what complicated, but it can really pay off in efficient tax planning. It is actually quite easy to do if all your IRAs are with the same company that provides your 401k servicing. I had all of my accounts at Fidelity, and one 10-15 minute call each year took care of what i ...
by kenyan
Tue Feb 05, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma Tax
Replies: 9
Views: 1300

Re: Credit Karma Tax

Tried it last year and we had issues with the dependent care credit, so I paid for turbotax. Going to try it again this year. We'll see. You know, when I was throwing a few preliminary numbers in, that credit didn't seem to be working right for me, either. I'll have to double check when I get the r...
by kenyan
Tue Feb 05, 2019 6:08 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 342988

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

2). Where are we today and how does it compare to the starting point at the beginning of the back test? This is why I provided the rolling returns view. The worst performance that this strategy has delivered over a 10-year period (out of the 21 possible 10-year periods in this timeframe) is better ...
by kenyan
Fri Feb 01, 2019 2:28 pm
Forum: Personal Investments
Topic: Taxable Investing 101?
Replies: 3
Views: 499

Re: Taxable Investing 101?

Congratulations on your progress. I would read this: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement I would also change the way you're thinking about your taxable account. It's part of your overall portfolio. I would invest your entire portfolio according to your goals and risk toleran...
by kenyan
Mon Jan 28, 2019 3:39 pm
Forum: Personal Investments
Topic: VBTLX or BND ETF for traditional IRA
Replies: 7
Views: 1149

Re: VBTLX or BND ETF for traditional IRA

Those are different share classes of the same fund. It really doesn't make much of a difference; just personal preference for how you prefer to trade, especially in an IRA.

https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by kenyan
Thu Jan 24, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Too early to start on my taxes?
Replies: 45
Views: 3659

Re: Too early to start on my taxes?

I submitted too early one year, and subsequently received an amended W2. That was irritating. Now I wait until at least March to actually submit, though I usually do the return in early February. Of course, since I always owe money, that helps discourage early submission.
by kenyan
Thu Jan 24, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 48060

Re: What lifestyle creep made you happier?

I feel like this question is pretty loaded, albeit unintentionally. Who is going to cop to paying more money and not enjoying it? Also, I think that people just adapt over time and don't keep gleaning extra happiness for a good deal of lifestyle creep. My rich friends swear by every lifestyle creep ...
by kenyan
Thu Jan 24, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma Tax
Replies: 9
Views: 1300

Re: Credit Karma Tax

Inertia? There may be some valid reasons, but I'm going to try CK Tax for the first time this year. TaxAct's huge price increases over the past couple of years definitely irked me. We'll see how it goes.
by kenyan
Wed Jan 16, 2019 6:25 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58964

Re: John Bogle is dead at 89

RIP to a great man, who could've been just another selfish billionaire, but instead chose to enrich the rest of us.
by kenyan
Tue Jan 15, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 205
Views: 35333

Re: Millionaire by 40 and How you Did it?

Made this milestone in net worth, but not in liquid investments. I don't really think of myself as a millionaire with $400k tied up in our primary residence (and if you ding me for this being household NW, then I certainly didn't make it). Nevertheless, we managed by having a reasonably good income ...