Search found 407 matches

by Tim_in_GA
Fri Oct 16, 2020 1:36 pm
Forum: Personal Investments
Topic: HSA - Is this Considered part of your retirement
Replies: 34
Views: 1864

Re: HSA - Is this Considered part of your retirement

I plan to retire overseas so the HSA will not be as useful unless there’s a way around foreign transaction fees. If you document your healthcare spending during years leading up to retirement, you could just make a massive cash-out of that total amount prior to moving away. It would be 100% tax-fre...
by Tim_in_GA
Fri Oct 16, 2020 11:31 am
Forum: Personal Investments
Topic: HSA - Is this Considered part of your retirement
Replies: 34
Views: 1864

Re: HSA - Is this Considered part of your retirement

I plan to retire overseas so the HSA will not be as useful unless there’s a way around foreign transaction fees.
by Tim_in_GA
Thu Oct 15, 2020 8:10 am
Forum: Personal Consumer Issues
Topic: Looking for suggestions for a telescope
Replies: 12
Views: 899

Re: Looking for suggestions for a telescope

Check the used market for the largest dobsonian you can get. But make sure to leave room in the budget for at least a couple of good eyepieces. Depending on how dark the skies are in your location, you want a larger aperture to gather the most light.
by Tim_in_GA
Wed Oct 07, 2020 8:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Good thing yesterday was my 401k contribution day. Today looks like we might be soaring again!
by Tim_in_GA
Tue Sep 22, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Possible Relocation to Columbus, OH Area
Replies: 49
Views: 3613

Re: Possible Relocation to Columbus, OH Area

Dublin or Powell are both really nice areas. We live in Lewis Center which is a little further away from Columbus. My wife is Asian and we find the shopping decent at CAM International Market and Sunrise International Market, both easily accessible from Dublin/Powell by heading down I-270. Park to S...
by Tim_in_GA
Sun Sep 20, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3317

Re: Best shoes for running?

It depends on the type of knee injury, there are a few types with differing causes. I think you need to address the root cause. For instance, my knee pain is caused by a quad muscle imbalance and tight quads. The kneecap can’t track properly. Stability shoes help to a point but I have to fix the imb...
by Tim_in_GA
Wed Sep 16, 2020 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

firebirdparts wrote: Wed Sep 16, 2020 1:45 pm Market seems to like the fed meeting.
I’d check again.
by Tim_in_GA
Thu Sep 10, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Projected inflation rate and equity rate of return
Replies: 27
Views: 1401

Re: Projected inflation rate and equity rate of return

After tracking my expenses for 20 years I found my personal inflation was pretty low so I use 1.5% for planning. My IRR for the same period was 7% but I use 5% for future planning.
by Tim_in_GA
Wed Sep 02, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Nasdaq going negative now. TSLA dropping since Monday’s pop.
by Tim_in_GA
Wed Sep 02, 2020 5:42 am
Forum: Personal Finance (Not Investing)
Topic: State Residency - When does it change?
Replies: 22
Views: 1933

Re: State Residency - When does it change?

I would say April. I wouldn’t worry too much about the BMV stuff, I did mine several months after moving to OH.
by Tim_in_GA
Thu Aug 20, 2020 4:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Not a bad day for the US market but international was a real drag on my accounts today.
by Tim_in_GA
Mon Aug 17, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4894

Re: USPS shipping: Caveat Emptor

8/04: Shipped a pkg from my local post office in NY to PA, with a projected delivery of 8/07. 8/07 update: pkg arrived at Rochester NY distribution center. 8/10 update: pkg arrived at a PA distribution facility (11mi from destination) 8/14 update: pkg arrived at another PA distribution facility (33...
by Tim_in_GA
Sat Aug 08, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Marcus lowers savings APY from 1.05% to 0.8%
Replies: 32
Views: 3049

Re: Marcus lowers savings APY from 1.05% to 0.8%

I had never thought much about Citi as a place for high yield savings, but when I logged onto my Citi Mastercard account, I saw an advertisement for the "Citi® Accelerate" HYSA at 1.05%. This is as of August 8 - who knows about where it will be next week. :? Yep, I moved my savings from HSBC to Cit...
by Tim_in_GA
Wed Aug 05, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Nice finish today. My company stock went up over 10% after great 2Q results announced. But they still haven’t reinstated our 401k match. :(
by Tim_in_GA
Wed Aug 05, 2020 8:19 am
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 201
Views: 21660

Re: Anyone else hoarding cash right now?

I'm holding a lot more cash than usual. I typically have one year's expenses in cash but now we have two year's worth. My wife's home business suddenly switched to making masks and the sales were incredible. Retirement is 6 years away and we'll move overseas so we're thinking about getting an accoun...
by Tim_in_GA
Thu Jul 30, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20317
Views: 2776918

Re: U.S. stocks in free fall

bugleheadd wrote: Thu Jul 30, 2020 9:02 am if markets are forward looking, then why do past GDP numbers cause todays down turn?
I don't think it's the GDP. I think the answer is too political for this place.
by Tim_in_GA
Tue Jul 28, 2020 4:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20317
Views: 2776918

Re: U.S. stocks in free fall

Finally my 401k contribution lines up with a down day.
by Tim_in_GA
Tue Jul 28, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Should I coat my new garage floor with something?
Replies: 27
Views: 3103

Re: Should I coat my new garage floor with something?

austin757 wrote: Tue Jul 28, 2020 3:08 pm Rustoleum garage floor Epoxyshield. You can do it yourself. Let it settle for a few days then you can drive right on it.
I agree. The day after we closed on our new house I put that on the garage floor. 3 years later holding up well here in Ohio.
by Tim_in_GA
Fri Jul 24, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Speakers for basement
Replies: 43
Views: 2688

Re: Speakers for basement

If you have a large area with hard floors and walls, then you need to manage the sound with some sound diffusers or baffles on the wall to eliminate distortion and echoing. Soft furniture helps too. Hanging nice looking rugs on the wall as art is a good idea. This! Part of my basement is my music s...
by Tim_in_GA
Thu Jul 23, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Who's tested for Radon? Who's mitigated?
Replies: 29
Views: 1974

Re: Who's tested for Radon? Who's mitigated?

I did a short-term test that came back at 4.something and then did a long-term test that came back at 5.6. We are in central Ohio. I got a quote for a mitigation system right before COVID hit. It was around $1100 and I am holding off on doing the work until cases start coming down here. But I am wor...
by Tim_in_GA
Thu Jul 16, 2020 6:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20317
Views: 2776918

Re: U.S. stocks in free fall

Looks like we’ll be back in this thread today.
by Tim_in_GA
Fri Jul 03, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 10015

Re: Share your budget

This is the first year we have tried to set a budget and stick to it. I've been tracking all our expenses for 20 years, so I know what we typically spend. No kids, just my wife & I, and I am the only income (low 6 figure salary). I plan to retire in 7 years so this will be good practice. Avg Monthly...
by Tim_in_GA
Tue Jun 30, 2020 3:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

McGilicutty wrote: Tue Jun 30, 2020 2:25 pm Looks like another melt-up into the close!
That figures, my 401k contribution is going in today.
by Tim_in_GA
Tue Jun 23, 2020 10:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Stinky wrote: Tue Jun 23, 2020 10:34 am Nasdaq at record high.

S&P up 1%.

What’s not to like?
I was wondering when someone would bump this thread. Looking good today! International doing well too. I may hit my pre-COVID-19 high today.
by Tim_in_GA
Fri Jun 19, 2020 3:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Wake me up when the S&P500 hits 3500.
by Tim_in_GA
Tue Jun 16, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: Could a fall in the dollar hurt your plan?
Replies: 32
Views: 1550

Re: Could a fall in the dollar hurt your plan?

Separate from forecasts, and economists ability to predict the future. What if the dollar does see some significant fall from grace. Will that hurt your plan? Definitely. We might have to look into staying in the USA for retirement, which probably means working longer due to healthcare. About 5 yea...
by Tim_in_GA
Tue Jun 16, 2020 9:29 am
Forum: Investing - Theory, News & General
Topic: Could a fall in the dollar hurt your plan?
Replies: 32
Views: 1550

Re: Could a fall in the dollar hurt your plan?

Heard this before. But any fall in the USD could hurt me as I plan to retire overseas. But this article is the same old noise to me.
by Tim_in_GA
Fri Jun 12, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 120
Views: 9428

Re: What if one rebalanced on March 16, the RBD?

I rebalanced on 3/23. If it goes below that level I might be tempted to sell off more bonds. I had hit an upper trigger, so had rebalanced OUT of equities and bought bond fund shares before today in order to stay-the-course and maintain my desired asset allocation. So you surely also hit an upper b...
by Tim_in_GA
Fri Jun 12, 2020 10:21 am
Forum: Personal Investments
Topic: Work Suspended 401K Match
Replies: 33
Views: 2846

Re: Work Suspended 401K Match

Same boat here. And we are taking 3 weeks of furlough so far. I increased my 401k contribution since my Roth is maxed out for the year.
by Tim_in_GA
Fri Jun 12, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20317
Views: 2776918

Re: U.S. stocks in free fall

atdharris wrote: Fri Jun 12, 2020 9:04 am Payday today. Automatically bought the dip ;)
Payday for me too but my Vanguard 401k always contributes on the following Tuesday or Wednesday.
by Tim_in_GA
Thu Jun 11, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 120
Views: 9428

Re: What if one rebalanced on March 16, the RBD?

livesoft wrote: Thu Jun 11, 2020 2:26 pm
EnjoyIt wrote: Thu Jun 11, 2020 2:25 pm Today counts as a RBD. Right?
Let me check ...

Indeed, it does for a few things. So who is rebalancing today?
I rebalanced on 3/23. If it goes below that level I might be tempted to sell off more bonds.
by Tim_in_GA
Wed Jun 03, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24966

Re: Are you still going to the grocery store or using a delivery service? Which?

Fortunately my wife was ahead of the game and stocked up on 2 months+ of everything during the last week of February. We went to the supermarket two weeks ago for some wine but have not been back since. We get a large box of fruit & veggies every week from Misfits Market, as we have been since last...
by Tim_in_GA
Tue Jun 02, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 341
Views: 41414

Re: How much is your cell phone bill?

Spectrum Mobile $28/month for two lines, 1GB each/month Great signal pretty much everywhere FYI - Spectrum runs off the Verizon network. Yep, that was one of the main reasons I ditched AT&T and went with Spectrum. When I lived in GA, AT&T was pretty good but when I moved to OH the coverage was terr...
by Tim_in_GA
Tue Jun 02, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 341
Views: 41414

Re: How much is your cell phone bill?

Spectrum Mobile
$28/month for two lines, 1GB each/month
Great signal pretty much everywhere
by Tim_in_GA
Fri May 29, 2020 2:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Climbing now after that conference.
by Tim_in_GA
Thu May 28, 2020 5:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

At least my international funds saw some gains today.
by Tim_in_GA
Thu May 28, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Not so soaring now!
by Tim_in_GA
Tue May 12, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4373

Re: What age do you use for retirement end date?

It's tough to put a hard end date because income streams like SS and pension don't stop. But I think at some point my ability to travel will become limited and I probably will reduce spending. Men in my family don't live past their 70's but I am much, much healthier than they were. I plan on my savi...
by Tim_in_GA
Wed May 06, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148982

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

Practice negatives. Start at the top of a chin up and go down very slowly.
by Tim_in_GA
Tue Apr 28, 2020 8:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

If it keeps this up I'll need to rebalance back into bonds.
by Tim_in_GA
Tue Apr 28, 2020 5:27 am
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 124
Views: 11338

Re: Anyone wish they would have invested more during recent downturn?

I rebalanced a big chunk of bonds into stocks on 3/23. Kind of wish I would have been a bit more aggressive that day.
by Tim_in_GA
Thu Apr 23, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 10014

Re: Best Covid19 resistant job

My company makes the equipment that keeps data centers running. We're busy.
by Tim_in_GA
Thu Apr 23, 2020 5:56 am
Forum: Personal Finance (Not Investing)
Topic: CITI Bonus
Replies: 15
Views: 1983

Re: Citibank new customer $400/$500/$700/$1500 banking bonus

I opened "The Citibank Account" package which is supposed have a savings account with 1.6% interest. I noticed my first interest payment was tiny, so I checked my rate and it was 0.08%. I called customer service (which is a royal pain to talk to anyone real) and they said the "marketplace" on which ...
by Tim_in_GA
Tue Apr 07, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9368
Views: 747029

Re: U.S. stocks continue to soar!

Giving up the gain quickly now.
by Tim_in_GA
Tue Apr 07, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: LenderFi Legit
Replies: 5
Views: 1004

Re: LenderFi Legit

They are. Just closed on my refi a month ago and many others here have had a good experience. Expect some slower response from them as they are slammed now.
by Tim_in_GA
Sat Apr 04, 2020 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Social Security for low income retirees
Replies: 9
Views: 796

Re: Social Security for low income retirees

I also use a 25% reduction in my spreadsheet. Even at that level my SS and my wife’s spousal benefit will cover 90% of our projected expenses living overseas with national healthcare. If there’s no reduction I guess we can enjoy a few more steaks.
by Tim_in_GA
Thu Apr 02, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123854

Re: My LenderFi refinance is going well

We closed around the same time as you and also got the email you referenced, though it indicated we'd receive payment coupons in the mail (they weren't in the closing docs). Payment isn't due until May 1, but still haven't heard anything--have you? KT785 I haven't heard anything. I have a couple pa...