Search found 2996 matches

by kenyan
Fri Jan 29, 2021 11:18 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 220
Views: 24079

Re: How Far is too Far, Commuting?

I live in Los Angeles county. I've lived in various places that have had my commute between 20-40 minutes on the way home; going in is a bit better as I arrive at work very early. Anything longer than 30 minutes in traffic and I'm grinding my teeth. There are certainly people whom I work with who d...
by kenyan
Thu Oct 08, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Flying during the pandemic
Replies: 94
Views: 5889

Re: Flying during the pandemic

Flew a RT on Delta with the family, which included a high-risk person. Middle seats blocked, and the flights had a number of empty seats besides. We loaded up on PPE and it felt ok. I personally would not feel safe without middle seats empty, but a number of airlines (United, American for example) a...
by kenyan
Mon Jul 20, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising to sale price
Replies: 51
Views: 7221

Re: House not apprising to sale price

On a multiple-offer house, it's pretty egregious that the original appraiser came in that low. We sure thought so! In the end, I suppose we made money off the whole ordeal (purchased for $9k less than offer, though we had to come up with an extra $7k in cash), but we paid for it in lost sleep and g...
by kenyan
Sat Jun 20, 2020 1:02 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising to sale price
Replies: 51
Views: 7221

Re: House not apprising to sale price

Happened to us as buyers. Contract price was $616k, appraisal came in at $550k. Market was rapidly rising at the time with minimal inventory, and comps were lagging. They had a second buyer at $610k, apparently. As we did have a financing contingency, our options were: (a) Come up with the extra $66...
by kenyan
Fri Jun 05, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 532
Views: 51256

Re: The Calm Post - Stay the course thread.

Rebalancing strategy is yet another thing I don’t understand...from reading it seems to be something...like investing in international stocks...that is all over the place. Some people rebalance once a year, I think I read John Bogel let things drift and others rebalance actively and often. Is there...
by kenyan
Sun May 10, 2020 4:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3482
Views: 578995

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

How are you guys doing so much better than market averages? Is it individual stocks (idiosyncratic risk) or did you guys time your new money contributions perfectly in late March? I am down somewhere between 10% and 13%. Not looking closely. Vanguard Total stock market is down 13.32% YTD which is m...
by kenyan
Fri May 08, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3482
Views: 578995

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

Down 10.5% even with Beardstown math and substantial cash infusions. Crushed by my small cap value.
by kenyan
Wed May 06, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 149571

Re: Need to be able to do 30 chin-ups

Certainly doesn't take a freak of nature, but you do need a good strength/weight ratio (which you presumably have, since you're starting at 18) and endurance. I've never tried to work solely on pull-up reps, but they've long been a part of my regular weightlifting (not so much chin-ups). Depending u...
by kenyan
Thu Apr 09, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: LenderFi
Replies: 4
Views: 627

Re: LenderFi

In the midst of my LenderFI refinance right now as well. The first set of disclosures had taxes in escrow, and I called and told them I wanted to pay separately. The second set of disclosures removed them. The amount of property tax in the quote, I gather, is just what they are legally obligated to ...
by kenyan
Thu Apr 02, 2020 3:24 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7741

Re: Anyone here depressed just looking at their portfolio?

I'm not depressed, but I am disappointed, as I was hoping to retire in a little more than a year, and that is no longer really a possibility, absent a rapid market recovery. Nevertheless, I'm sticking to the investing plan, contributing as usual and rebalancing to my AA. I am following my typical pr...
by kenyan
Mon Mar 16, 2020 4:38 pm
Forum: Personal Investments
Topic: Anyone Rebalancing Today, 3/16/20?
Replies: 36
Views: 2219

Re: Anyone Rebalancing Today, 3/16/20?

I rebalanced on 3/12, so I should be a bit (you know, maybe two more down days) away from another trigger. Following the IPS.
by kenyan
Fri Mar 13, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: TLH but can't turn off 401k dividend reinvest
Replies: 5
Views: 396

Re: TLH but can't turn off 401k dividend reinvest

As others have noted, there should be no concern in this situation, for multiple reasons.
by kenyan
Fri Mar 13, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Useful limit to the carryover total from Tax-Loss Harvesting?
Replies: 4
Views: 443

Re: Useful limit to the carryover total from Tax-Loss Harvesting?

Thanks for replies all; I thought I responded but apparently that post didn't go through. The plan to have 0% LTCG is theoretically permanent, but tax rates could change. I also don't personally plan to tax-gain harvest, since I'll want to keep my MAGI down anyway. The $3k ordinary income deduction ...
by kenyan
Thu Mar 12, 2020 11:08 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 532
Views: 51256

Re: The Calm Post - Stay the course thread.

Not doing any 'what-ifs' because I followed (and continue to follow) my plan. A little sad that FIRE is likely no longer achievable when we hoped to do so (soon), and we'll have to keep working longer.
by kenyan
Thu Mar 12, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Useful limit to the carryover total from Tax-Loss Harvesting?
Replies: 4
Views: 443

Useful limit to the carryover total from Tax-Loss Harvesting?

I've been dutifully TLH since first opening my taxable investment account a few years ago. I now have the opportunity to harvest enough in losses to carryover the $3k limit for more years than I plan to earn a significant income. I'm in a fairly high tax bracket now (state + fed 33% income, 24% LTCG...
by kenyan
Thu Mar 12, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Rebalance now or wait
Replies: 5
Views: 491

Re: Rebalance now or wait

I put in an order to rebalance today because I will hit my IPS trigger to rebalance. What does your IPS say? You should follow that.
by kenyan
Mon Feb 03, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 374
Views: 47485

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: 1233

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...
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: 1233

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: 1233

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: 3482
Views: 578995

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: 4313

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: 22603

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: 1395

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: 21882
Views: 2929632

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 reall...
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: 5632

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: 12104

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: 10380

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: 1977

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: 10380

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: 10380

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: 10380

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: 10380

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: 10380

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: 10380

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 ...
by kenyan
Tue Sep 10, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 10380

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: 10380

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 ...
by kenyan
Tue Sep 10, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 10380

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: 10380

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: 10380

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: 10380

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: 14570

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: 5798

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: 1113

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: 2177

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: 1594

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: 12226

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: 1030

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: 1030

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: 1030

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...