Search found 426 matches

by UnLearnYourself
Wed Apr 28, 2021 8:21 am
Forum: Personal Consumer Issues
Topic: HVAC replacement when experts disagree
Replies: 96
Views: 6165

Re: HVAC replacement when experts disagree

Was your current unit adequate back when it was working well? How humid is your location? The more humidity the more important it is to not oversize. Is that still true with two stage condensers? That is, even if you sightly oversize, can it run at the lower setting longer? OP, are all the quotes f...
by UnLearnYourself
Fri Apr 02, 2021 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Term insurance - free lunch?
Replies: 25
Views: 2073

Re: Term insurance - free lunch?

I agree with those encouraging you to check with an agent.

Myself and my wife used HealthIQ and found the best priced policies for us there. Also checked term4sale and a couple companies direct. Service was good and I felt like they were actually putting in some effort advocating for us.
by UnLearnYourself
Sun Mar 28, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 392
Views: 50914

Re: Don't pay full price for SiriusXM radio

$5/mo plan + free echo dot Sell echo dot on facebook marketplace or ebay (have done this 3 times selling for $40 once and $30 twice) to off set the subscription cost. Rinse and repeat. I've politely demanded this deal on both renewals and brand new accounts. Just cut to the chase and tell them this ...
by UnLearnYourself
Fri Mar 19, 2021 7:58 am
Forum: Personal Investments
Topic: Max you should invest in a 529?
Replies: 193
Views: 14512

Re: Max you should invest in a 529?

I'm still debating this same question. With a 2 yr and 10 month old children I figure I have time to decide. For now we're funding $300/mo each (after maxing 401k, family HSA, Roth IRAs for wife and I) Calculators suggest with 6% returns we'll have about $225k accumulated if we stay on this path. Ho...
by UnLearnYourself
Thu Mar 18, 2021 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer service declining?
Replies: 38
Views: 5069

Re: Fidelity customer service declining?

Fidelity has gone downhill for me. So much so that I am seriously considering moving everything away from them. Can't visit branches. Can't chat, weeks wait for secure email messages. I can nag and they might call me, but I can't always answer the phone. -M I'm considering the same. Had my employer...
by UnLearnYourself
Thu Mar 18, 2021 1:16 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 24829

Re: What is the BEST thing you spent money on?

Owner Occupied 3-Family as my First Home.

This unlocked tremendous financial flexibility that we simply would not have had if we purchased a single family home at the same price.
by UnLearnYourself
Thu Mar 18, 2021 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Increases Child tax credit
Replies: 11
Views: 1055

Re: Increases Child tax credit

The increased child tax credit ($3600/kid) seems to eligible for income up to 150k for the full credit. Is the income based on 2020 or 2021? I already filed tax for 2020 and our income is below the limit. So I assume I will be getting monthly payments. However, our 2021's income will be much higher...
by UnLearnYourself
Fri Mar 12, 2021 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can you have an HSA and FSA?
Replies: 22
Views: 1401

Re: Can you have an HSA and FSA?

I was definitely surprised when the HR person told me that. To be exact, she said if we meet the statutory amount for the deductible ($2700), the remaining $2300 can be from limited purpose FSA to meet the maximum out of pocket of 5k. *AND* HR would help us navigate the claim process :shock: I almo...
by UnLearnYourself
Fri Mar 12, 2021 11:18 am
Forum: Personal Investments
Topic: Problems at Fidelity?
Replies: 40
Views: 4509

Re: Problems at Fidelity?

I recently set up some UTMA accounts at Fidelity for my kids. Previously, I had no problems getting in touch with a representative at Fidelity, no wait at all. But in the past 10 days, I've called at least 5 times, waiting on hold for more than 30 minutes, and never reached anyone. They also don't ...
by UnLearnYourself
Fri Mar 12, 2021 10:50 am
Forum: Personal Investments
Topic: 529 vs Roth for Niece/Nephew College Fund
Replies: 2
Views: 229

Re: 529 vs Roth for Niece/Nephew College Fund

Guessing there's a level where it makes sense to hedge future plans and not over-fund the 529. I think a 529 plan is always a little bit of a gamble in that you can't be certain the target child will attend college. I agree that having too much in a plan is a problem because it's hard to spend 529 ...
by UnLearnYourself
Fri Mar 12, 2021 10:13 am
Forum: Personal Investments
Topic: 529 vs Roth for Niece/Nephew College Fund
Replies: 2
Views: 229

529 vs Roth for Niece/Nephew College Fund

I've committed to direct depositing $5 per paycheck per niece/nephew as a college savings gift. Paid bi-weekly $5 x 26 pay periods x 18 years = $2,340. At some point if my financial situation improves I may decide to up the contribution, but even if I double it we're still looking at only about $5,0...
by UnLearnYourself
Fri Mar 12, 2021 9:47 am
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 374
Views: 47305

Re: Are we in a housing bubble?

There's a housing loophole that I see in addition to the many good points raised above. What I mean by that is many of us were suddenly thrust into work from home situations, many of which will remain permanantly. Yet, employers never adjusted the incomes of people who were living in high cost citie...
by UnLearnYourself
Thu Mar 11, 2021 5:05 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

How are you get to fair price at $1000? I've heard a few experts value it at under $50 so am wondering how you arrived at $1000. You understand that no one is serious in this thread, right? I am. Deadly serious. (Sometimes) Read a few posts above and you'll see. Some people believe in GME as a comp...
by UnLearnYourself
Tue Mar 09, 2021 11:16 am
Forum: Personal Investments
Topic: Preemptive panic selling
Replies: 28
Views: 2419

Re: Preemptive panic selling

gasman wrote: Tue Mar 09, 2021 5:42 am Being able to sleep well is important.
So increase equity position to 100% and get a scrip for ambien?
by UnLearnYourself
Tue Mar 09, 2021 11:08 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

Utter insanity. Up 15% on the day as of now, to $225. Just plain nuts. You mistyped. You mean $235 Now $241. To the moon! The target this time is 100,000, so set your limit sell orders at 99,998 now. The 98 helps get in front of those who do the obvious 99,999 Bro, 100k is so Feb. Going to $500k now.
by UnLearnYourself
Sat Mar 06, 2021 5:06 pm
Forum: Personal Investments
Topic: Are the -2% Refinance rates Real?
Replies: 7
Views: 1387

Re: Are the -2% Refinance rates Real?

Started my re-fi in early Jan. and was able to get a 15 year 2.00% fixed with a few hundred back at close. Rates are a bit higher now so unlikely you could get the same (was as low as 1.75 APR in late Dec.). Got the loan through Better, but used LenderFi as a competing offer to get a better rate at...
by UnLearnYourself
Sat Mar 06, 2021 9:25 am
Forum: Personal Investments
Topic: I made a mistake. Sell at a loss?
Replies: 41
Views: 5040

Re: I made a mistake. Sell at a loss?

I'd recommend doing some thinking about your asset allocation. Maybe you need 10-40% bonds to help protect against volatility and prevent you from market timing. Maybe you'd be better able to stick to a plan if it was all in a simple 3 fund portfolio. If you do go with a simple 3 fund portfolio, ma...
by UnLearnYourself
Sat Mar 06, 2021 9:15 am
Forum: Personal Investments
Topic: I made a mistake. Sell at a loss?
Replies: 41
Views: 5040

Re: I made a mistake. Sell at a loss?

sociologydude76 wrote: Wed Mar 03, 2021 7:33 pmI would be comfortable with the 10% risk in tech stocks.
You sure about that? Sounds like you're quite uncomfortable with the results of the 'riskier' assets you're holding...or perhaps less about the holding and more the overall strategy to date.
by UnLearnYourself
Sat Mar 06, 2021 9:08 am
Forum: Personal Investments
Topic: Self Directed Brokerage link for 401k - what should I do?
Replies: 5
Views: 259

Re: Self Directed Brokerage link for 401k - what should I do?

So I am just signing onto a new Financial advisor since I wasn't too happy with the other one. They are charging 1% AUM fee and then it goes down from there based on the amount of $ you have with them. They will be providing other services and not just managing my money. My question is they asked a...
by UnLearnYourself
Fri Mar 05, 2021 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance?
Replies: 57
Views: 8774

Re: How much Umbrella Insurance?

Curious how these costs stack up against what you've all seen: $1,000,000 Limit = $145 $2,000,000 Limit = $254 $3,000,000 Limit = $348 $5,000,000 Limit = $508 I'm thinking $1mil to start, but am always open to the feedback of the bogle hivemind How much added risk do you have, above the typical hou...
by UnLearnYourself
Fri Mar 05, 2021 12:58 pm
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 139
Views: 13636

Re: How to make strong coffee equivalent to Starbucks for cheaper?

OP, I would encourage you to shoot for a standard much better than Starbucks! I acquired a Gaggia Titanium Semi-Automatic Coffee Machine and it just might be the best product I've ever owned. I purchase my coffee from a local fair trade organic roaster, YUP coffee. Not the cheapest, but not the most...
by UnLearnYourself
Fri Mar 05, 2021 11:38 am
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance?
Replies: 57
Views: 8774

Re: How much Umbrella Insurance?

Curious how these costs stack up against what you've all seen:

$1,000,000 Limit = $145
$2,000,000 Limit = $254
$3,000,000 Limit = $348
$5,000,000 Limit = $508

I'm thinking $1mil to start, but am always open to the feedback of the bogle hivemind
by UnLearnYourself
Thu Mar 04, 2021 4:38 pm
Forum: Investing - Theory, News & General
Topic: How much do costs matter?
Replies: 43
Views: 4199

Re: How much do costs matter?

Thanks, Vineviz. Always appreciate your perspective. Expenses do matter... to the tune of 10s or 100s of thousands of dollars over an investor's lifetime. From 25 to about 35 I had all my retirement accounts parked in a target date fund to the tune of about .6%. It wasn't until I was lurking a thre...
by UnLearnYourself
Thu Mar 04, 2021 4:16 pm
Forum: Personal Investments
Topic: What to do next [after max Roth contribution]?
Replies: 10
Views: 937

Re: What to do next?

I’m 26, making $71K(not much, I know). I have $28K in my 401k. Luckily I do not have any other debt and I do not have immediate plans for any major life event. Honestly, my goal is to just save and invest as much as I possibly can. I'd be upping the 401k until you find your "pain point." ...
by UnLearnYourself
Thu Mar 04, 2021 2:29 pm
Forum: Personal Investments
Topic: Shift from Taxable to In-Service Roth?
Replies: 8
Views: 557

Re: Shift from Taxable to In-Service Roth?

+1 to Jacotus' answer. Results from a somewhat simpler version (see ~row 129 in the 'Misc. calcs' tab of the personal finance toolbox ) are shown below. They match the $140K and $190K Jacotus mentioned. +───────────────────────────────────────────+───────────+───────────+ | Growth in a taxable acco...
by UnLearnYourself
Thu Mar 04, 2021 2:28 pm
Forum: Personal Investments
Topic: Shift from Taxable to In-Service Roth?
Replies: 8
Views: 557

Re: Shift from Taxable to In-Service Roth?

This question of "how to value the Mega Backdoor Roth" comes up somewhat frequently. I started working on a wiki article to answer this question. https://www.bogleheads.org/wiki/User:Jacotus/Value_of_Roth_vs_taxable Here's a Google spreadsheet where you can adjust the numbers for your ind...
by UnLearnYourself
Thu Mar 04, 2021 9:41 am
Forum: Investing - Theory, News & General
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 271
Views: 20578

Re: Non-fungible tokens (NFTs): anyone investing in those?

I own some Bitcoin and other cryptocurrencies, but I truly do not understand most of the NFTs I have seen. If anyone does, I'd love to hear an argument for / why I should care about them. It's also possible I'm just not the target market here. Mark Cuban said they were good, so that just about sett...
by UnLearnYourself
Wed Mar 03, 2021 7:10 pm
Forum: Personal Investments
Topic: Shift from Taxable to In-Service Roth?
Replies: 8
Views: 557

Re: Shift from Taxable to In-Service Roth?

Can somebody help me better understand (or calculate) the monetary benefit of doing this?

Anybody care to poke holes in it or caution me as to why it might not be a good idea, or not worth it enough to do?
by UnLearnYourself
Wed Mar 03, 2021 9:04 am
Forum: Personal Investments
Topic: Shift from Taxable to In-Service Roth?
Replies: 8
Views: 557

Shift from Taxable to In-Service Roth?

Looking for some Bogle feedback. My employers 401k offers in service distributions to Roth (mega backdoor roth), which I would love to take advantage of at some point in time. Currently I'm maxing my 401k, Roth IRA for both my wife and myself, HSA, and funding (2) 529s @ $300/mo ea. After our mortga...
by UnLearnYourself
Mon Mar 01, 2021 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurer witholding claim payment till work invoiced?
Replies: 2
Views: 340

Homeowners Insurer witholding claim payment till work invoiced?

I've had a claim open with my homeowners company for almost a year now. For one, they're trying to nickel and dime me. Total claim is a bit over $15,000 and they started out with a $1,700 check. Then I called and got another one for $1,100. Then called again and they sent another for $1,600. Then I ...
by UnLearnYourself
Sat Feb 27, 2021 7:23 pm
Forum: Personal Consumer Issues
Topic: Used minivan - suggestions
Replies: 36
Views: 2079

Re: Used minivan - suggestions

Love our 2015 Odyssey Touring Elite I was hung up on AWD for a bit but all my car buff friends said Odyssey with snow tires will be way better than AWD Sienna with all seasons. Decided Odyssey for top safety ranks. Top child car seat safety ranks. Built in shop vac is amazing with 2 kids under 2. Ne...
by UnLearnYourself
Sat Feb 27, 2021 3:29 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

Dear Sophisticated Bogleheads, curious what you think of this in depth research on the status of GME and near term predictions. Bottom line this poster and others they have consulted are predicting a perfect storm GME/market wide bloodbath on 3/19. Thoughts from those of you who understand all this...
by UnLearnYourself
Sat Feb 27, 2021 2:39 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

Dear Sophisticated Bogleheads, curious what you think of this in depth research on the status of GME and near term predictions. Bottom line this poster and others they have consulted are predicting a perfect storm GME/market wide bloodbath on 3/19. Thoughts from those of you who understand all this?...
by UnLearnYourself
Wed Feb 24, 2021 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: DCU digital credit union Massachusetts
Replies: 39
Views: 3332

Re: DCU digital credit union Massachusetts

Anyone use DCU in Massachusetts? How is their service and website? Does their online technology work with sites like mint? Any problems receiving international wire transfers? Any other tech issues? I have a 2.5% auto loan with them and a simple savings paying 6% interest (only on the first $1,000,...
by UnLearnYourself
Fri Feb 12, 2021 10:20 am
Forum: Investing - Theory, News & General
Topic: If you bought Bitcoin, when do you plan to sell?
Replies: 396
Views: 38388

Re: If you bought Bitcoin, when do you plan to sell?

At the peak, obviously. Then I'll buy back on the dip. Diamond hands to the moon. Rinse and repeat till I'm 45 yrs old living on Bogleheads.
by UnLearnYourself
Fri Feb 12, 2021 9:40 am
Forum: Investing - Theory, News & General
Topic: Owning the market and Decentralized Finance. A new Paradigm.
Replies: 52
Views: 5385

Re: Owning the market and Decentralized Finance. A new Paradigm.

I agree paradigms may be changing, but I believe the underlying principles still prevail, ie, can this this system and the keepers of the system be trusted. I agree with this, and for these reasons I currently don't have any money in cryptocurrencies. Though I must say watching Bitcoin go bonkers w...
by UnLearnYourself
Thu Feb 11, 2021 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab vs Fidelity - For Brokerage/Banking/Debit & Credit Card Use
Replies: 49
Views: 5230

Re: Schwab vs Fidelity - For Brokerage/Banking/Debit & Credit Card Use

You can use the Fidelity debit card at any ATM and they'll refund the fees (not sure if there are any exceptions). Schwab does the same thing, unlimited ATM fee refunds. Also no foreign transaction fees with Schwab, which is why my wife and I originally went with them for checking, great card for i...
by UnLearnYourself
Thu Feb 11, 2021 7:21 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ice Dams
Replies: 48
Views: 4687

Re: Getting Rid of Ice Dams

I have a gas fireplace that vents in that area and I'm guessing that it's leaking some heat and causing the snow to melt a bit. Does that fireplace vent out the roof, or the side of your home? Is the fireplace located on the 1st or 2nd floor? Are you able to share some photos of the house and area ...
by UnLearnYourself
Thu Feb 11, 2021 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning organizer
Replies: 28
Views: 2415

Re: Estate planning organizer

I use an electronic estate planning organizer to assure all of our important estate and financial documents, plus my own lucid advisory comments, will be available to my wife and our adult children if I should die or become mentally incapacitated. It has at least 28 sections, all clearly labelled. ...
by UnLearnYourself
Sat Feb 06, 2021 2:07 pm
Forum: Investing - Theory, News & General
Topic: 2020s - Decade of chasing "churn" money?
Replies: 70
Views: 7135

Re: 2020s - Decade of chasing "churn" money?

Outer Marker wrote: Fri Feb 05, 2021 5:47 am Yup. 3 refi's and 2 sign up bonuses in 2020. Will keep it up as long as its profitable and i have extra time on my hands working from home . . .
Why refi 3 times? Were rates continuously dropping low enough to justify costs?
by UnLearnYourself
Tue Feb 02, 2021 2:42 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

I think the squeeze was when the price hit $400+ and the smart money got out.. Sounds like the squeeze never actually happened given the no commission brokerages inability to keep up with the volume (or something more sinister, perhaps). It was happening. And it was stopped. The squeeze got squoze ...
by UnLearnYourself
Tue Feb 02, 2021 11:58 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

Boglehead reporting in after going against my convictions to ride the rocket to moon I bought at 110 last week and watched it balloon to 435 and held diamond hands in hopes of the infinity squeeze. I just sold at 100 for 1k loss. I'm am a retard. I immediately put it into VT. My price to pay to rei...
by UnLearnYourself
Fri Jan 29, 2021 3:02 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

GME won’t likely hit $1000. So not the infinite value that was going to bankrupt the US financial system as some posters were saying just last night :happy ? LOL, no. I think we might have already seen the top at 480ish. Maybe 500. I wouldn't bet on it tho but if you're buying in at these prices yo...
by UnLearnYourself
Fri Jan 29, 2021 12:14 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

What happens if a generation of new investors enters the marketplace and adheres to a different model of "financial principles" and methods to "value" a stock or company? Are they merely fodder for the rest of the more 'traditional' market to take advantage of, or do they have t...
by UnLearnYourself
Fri Jan 29, 2021 11:44 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235099

Re: [GameStop GME trading mega-thread]

What's completely seems lost on individuals is we have no idea what the current short interest in GME actually is. Firms only have to report their short interest twice per month...and that data isn't publicly released for a while after that. The data from Jan 15th settlement date was just released ...
by UnLearnYourself
Tue Jan 26, 2021 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusting paycheck for bonus
Replies: 10
Views: 855

Re: Adjusting paycheck for bonus

Hi All, I am expecting a bonus of $1k and can definitely just use it towards my 401k. Bonuses are usually taxed at 22% but employers tend to do a 40% and yes we get some of it back. I contribute 8% towards my 401k, to get the maximum of the bonus invested which of these are the best - 1. Adjust pay...
by UnLearnYourself
Thu Jan 21, 2021 8:51 am
Forum: Investing - Theory, News & General
Topic: Are We in Another Housing Bubble? (Charlotte NC region)
Replies: 59
Views: 4949

Re: Are We in Another Housing Bubble? (Charlotte NC region)

Same thread as the Austin one. What you are not accounting for is that Charlotte, NC, is still insanely cheap compared to HCOL areas. Why should companies force people to live in NYC and pay $3 million for a house when they could give employees a Zoom account and let them move to Charlotte or Flori...
by UnLearnYourself
Tue Jan 19, 2021 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Pregnant - HDHP vs PPO decision
Replies: 34
Views: 2067

Re: Pregnant - HDHP vs PPO decision

OP, without scouring the finer details of your HDHP you will likely hit your deductible of $2,800 with just the birth. Your 15% coinsurance for the remainder of the year should be pretty low. My wife and I had a baby in February of '19 and hit our deductible. For the remainder of the year we each go...
by UnLearnYourself
Tue Jan 05, 2021 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Part Time Real Estate Agent/Salesperson?
Replies: 30
Views: 1401

Re: Part Time Real Estate Agent/Salesperson?

I kind of have to laugh reading this thread. I was a part-time realtor for several years and had few problems with that status. First, understand there are excellent, average and bad full time realtors just as there are excellent, average and bad part time realtors. Would you rather have an average...