Search found 1215 matches

by samsoes
Sun Jul 14, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Recent layoffs and now focus on corporate valuation - are owners looking to sell?
Replies: 29
Views: 2415

Re: Recent layoffs and now focus on corporate valuation - are owners looking to sell?

HEDGEFUNDIE wrote:
Sun Jul 14, 2019 10:23 am
samsoes wrote:
Sun Jul 14, 2019 6:17 am
HEDGEFUNDIE wrote:
Sun Jul 14, 2019 4:48 am
I’m guessing you have never built a synergy model
Sounds like something from a Dilbert comic. Wasn't the Pointy Haired Boss fond of such a model?
And hence why the Pointy Haired Boss was the boss, and Dilbert was...Dilbert.
Wally is my Dilbert-strip hero.
by samsoes
Sun Jul 14, 2019 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Recent layoffs and now focus on corporate valuation - are owners looking to sell?
Replies: 29
Views: 2415

Re: Recent layoffs and now focus on corporate valuation - are owners looking to sell?

HEDGEFUNDIE wrote:
Sun Jul 14, 2019 4:48 am
I’m guessing you have never built a synergy model
Sounds like something from a Dilbert comic. Wasn't the Pointy Haired Boss fond of such a model?
by samsoes
Wed Jul 10, 2019 10:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120176

Re: S&P 500 hit 3,000 today

DaftInvestor wrote:
Wed Jul 10, 2019 9:17 am
Now its only 2997 - uh-oh.
RUN TO THE HILLS!!!
by samsoes
Mon Jul 08, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 10349

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

You move closer to trusted relatives. Thanks for the insightful answer. For some of us, that's not an option (drug addictied siblings, etc.). Given the OPs premise that “If there are no younger, trusted relatives close by...” Livesofts reply is the best possible answer. It's not specified if there ...
by samsoes
Mon Jul 08, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 10349

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

livesoft wrote:
Mon Jul 08, 2019 2:39 pm
You move closer to trusted relatives.
Thanks for the insightful answer.

For some of us, that's not an option (drug addictied siblings, etc.).
by samsoes
Mon Jul 08, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: W4 Withholding exemption
Replies: 3
Views: 314

Re: W4 Withholding exemption

I've heard that folks on this forum have declared 99 allowances for a situation such as this. Not sure how that has worked out for them.
by samsoes
Mon Jul 08, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Paying 0% on Long-term capital gains
Replies: 6
Views: 678

Re: Paying 0% on Long-term capital gains

A440 wrote:
Mon Jul 08, 2019 8:55 am
I forgot about the standard deduction.
So to determine the LTCG amount allowed at 0%:
-Determine ordinary income for the year, subtract standard/itemized deduction and fill the rest of the 0% tax space with LTCG.
Is this correct?
You got it! :mrgreen:
by samsoes
Mon Jul 08, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Paying 0% on Long-term capital gains
Replies: 6
Views: 678

Re: Paying 0% on Long-term capital gains

Only the portion of your LTCG -- when combined with all of your non-LTCG taxable income -- below 78,750 is taxed at 0%.

If you would like 20,000 LTCG taxed at 0%, your non-LTCG can't exceed 58,750.

Note the threshold is 1/2 for single filers.
by samsoes
Mon Jul 08, 2019 7:40 am
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 2782

Re: Anyone itching to dabble in crypto?

"Itching" to dabble in crypto? Is that like scratching a festering, open sore?
by samsoes
Mon Jul 08, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3917

Re: Is Grass milk worth it?

It’s milk either way. Nutritionally, it has slightly more Omega-3’s, but your overall diet will matter much more than the incremental difference between different types of milk. Grass fed is incrementally better for the cows and the environment, but not having milk or beef at all would have a much ...
by samsoes
Thu Jul 04, 2019 5:09 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 53
Views: 1768

Re: which is better schwab or fedelity

whodidntante wrote:
Thu Jul 04, 2019 5:07 pm
OP, please supply definition of "better."
more attractive, favorable, or commendable: in better circumstances

more advantageous or effective: a better solution
by samsoes
Thu Jul 04, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Frequent Flyer No Man's Land?
Replies: 17
Views: 2133

Re: Frequent Flyer No Man's Land?

Frequent flier programs have seen their heyday. I used to accumulate vast amounts and had no problem redeeming them. Now, they make it so hard to use them that they're practically worthless. YMMV, of course.
by samsoes
Thu Jul 04, 2019 5:01 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 53
Views: 1768

Re: which is better schwab or fedelity

I’m retired and now I have VG account and want to open another account, which is better Schwab or fidelity????. thank you Fidelity by far. I have experience with and I no longer trust Schwab. Best of luck. Wow, interesting. Can you elaborate? (Without, of course, divulging anything identifiable.)
by samsoes
Mon Jul 01, 2019 6:15 am
Forum: Personal Consumer Issues
Topic: Not receiving verification codes from banks
Replies: 7
Views: 541

Re: Not receiving verification codes from banks

Completely power-down your cell phone, wait a few minutes and then restart it.

Rebooting can do wonders.
by samsoes
Mon Jun 24, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4372

Re: Triage in ER - charged $790

In my brief time working at a hospital between jobs at stock exchanges, I learned that in Connecticut, if a patient leaves "AMA" (against medical advice) or just leaves, insurance pays -0-, which may not then be applied to the patient's deductible.

Just an FYI.
by samsoes
Sun Jun 23, 2019 7:43 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 53
Views: 1768

Re: which is better schwab or fedelity ???

Trader Joe wrote:
Sun Jun 23, 2019 7:35 pm
looking wrote:
Sun Jun 23, 2019 7:24 pm
I have vanguard account now and like to have another one,, which is better Schwab or fidelity ???

thank you
Fidelity is much better than Schwab.
Just curious, can you expound on that?
Thanks!
by samsoes
Sun Jun 23, 2019 12:11 pm
Forum: Personal Investments
Topic: Seeking practical help understanding “bid-ask spread” for ETFs
Replies: 52
Views: 2532

Re: Seeking practical help understanding “bid-ask spread” for ETFs

Also I find that in the last minute of the market some folks get frustrated that their limit orders haven't executed, so they drop their pants . The dropping of pants is a way that the bid/ask spread is narrowed. :D Is that an actual insider term?? I've been in the business for the better part of 3...
by samsoes
Thu Jun 20, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Liquidating inherited IRA, donating to DAF
Replies: 12
Views: 582

Re: Liquidating inherited IRA, donating to DAF

I have a small inherited IRA (about $30k). I am tired of remembering to make the small annual RMDs, and would just like to be shut of it. My first thought was to take a distribution of the total amount, and donate that sum to our donor-advised fund. That would keep our adjusted gross income the sam...
by samsoes
Tue Jun 18, 2019 12:09 pm
Forum: Personal Investments
Topic: After Tax Account Strategy
Replies: 7
Views: 946

Re: After Tax Account Strategy

Do you mind clarifying what you mean by "after tax account" as for some people it might mean: Roth IRA Roth 401(k) non-deductible traditional IRA non-deductible contributions to 401(k) above some limits a joint-taxable account (non-qualified) an individual taxable account (non-qualified) and a few ...
by samsoes
Tue Jun 18, 2019 6:05 am
Forum: Personal Investments
Topic: Comparing funds that track the same index (newbie question)
Replies: 3
Views: 272

Re: Comparing funds that track the same index (newbie question)

www.portfoliovisualizer.com/backtest-portfolio shows, for the same time period as Google "Max" (May 2011 - present) AGG at 2.97% and FXNAX at 2.99%.

Give it a shot. Make AGG 100% of portfolio #1, and FXNAX 100% of portfolio #2.
by samsoes
Mon Jun 17, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11734

Re: With hindsight, what signs indicated you were about to lose your job?

Curious, are there any "axe swingers" who would like to chime in? I had a boss one time which was perfectly fine with swinging the layoff axe. He said that it's part of business and people should realize that. Until, of course, he got axed and then his outlook on the process changed quite dramatical...
by samsoes
Mon Jun 17, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 110
Views: 10143

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

40% seems high. In an 80/20 portfolio, I had 24% in VXUS (30% of equities). when I recently executed a long-overdue allocation change to 70/30, I reduced VXUS to 20% (28.5% of equities).
by samsoes
Mon Jun 17, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 3893

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

dm200 wrote:
Mon Jun 17, 2019 1:06 pm
Is my wife correct?
Always. Never forget that.
by samsoes
Mon Jun 17, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11734

Re: With hindsight, what signs indicated you were about to lose your job?

If the business is going to collapse, IMO leaving sooner is often better. The severance packages are usually the best earlier on, and odds are, you may end up becoming quite miserable riding a company into the ground (did that once, never again). The lucky ones get out earlier. Taking a pay cut to ...
by samsoes
Mon Jun 17, 2019 6:04 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 31049

Re: A way to "thank" posts

Goal33 wrote:
Mon Jun 17, 2019 12:01 am
I fear it would reward snark.
Complete agree. The snark-factor has been rising steadily in recent months, to the degree where I've seen posts where the poster starts with something like "please be kind" before the question is presented.
by samsoes
Sat Jun 15, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Data Privacy and Security
Replies: 4
Views: 418

Re: Quicken Data Privacy and Security

I am a long-time satisfied Quicken power user. I am generally security and privacy conscious. For example, I make sure my data files are encrypted and usually air gapped. I only run Quicken on a dedicated virtual machine. I am embarrassed to admit that I have not done a deep dive into: 1. Whether o...
by samsoes
Sat Jun 15, 2019 6:36 am
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 53
Views: 1768

Re: which is better ETF or MF ???

Here is a current, spirited and incredibly insightful debate on the subject:

viewtopic.php?p=4594690

Pay special attention to the topic linked within it:

viewtopic.php?f=10&t=25211&p=298211
by samsoes
Fri Jun 14, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2690

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

As another poster mentioned, familiarize yourselves with Gordon Lightfoot's "The Wreck of the Edmund Fitzgerald."
It's the national anthem of the UP.

Don't forget to try trenary toast and pasties. Delicious!
by samsoes
Fri Jun 14, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 9158

Re: The Case Against ETFs

Can vanguard redeem shares of VBTLX at anything other than the NAV? what does that have to do with the difference between NAV and BND in times of liquidity crisis? No, it can't. But, how can NAV be known? Even in normal time, every marketable security has two prices: bid and ask. NAV has a single p...
by samsoes
Thu Jun 13, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Why is this cabin so inexpensive?
Replies: 15
Views: 1585

Re: Why is this cabin so inexpensive?

Make an offer and find out.
by samsoes
Thu Jun 13, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11184

Re: Retired at 35 and have no friends :(

My goodness. Tough crowd. The OP is looking for friends. Looks like he/she is having a tough time finding friends among some folks here.
by samsoes
Thu Jun 13, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11184

Re: Retired at 35 and have no friends :(

retiredjg wrote:
Thu Jun 13, 2019 11:49 am
Goodness gracious! The first post was only about 12 hours ago!

:oops:
My thoughts exactly. Some regular folks here aren't very trusting, are they?
by samsoes
Thu Jun 13, 2019 7:41 am
Forum: US Chapters
Topic: Trying out a new signature
Replies: 6
Views: 1193

Re: Trying out a new signature

DanMahowny wrote:
Thu Jun 13, 2019 7:35 am
Not a Blues fan, but I was a big Blues fan last night.

Really enjoyed that last night.

Sad that hockey is done. Waiting for October.
Hockey is done? It has always seemed like it starts-up a week after the season finishes.
by samsoes
Thu Jun 13, 2019 6:22 am
Forum: Personal Investments
Topic: Interest rates on brokered CDs
Replies: 2
Views: 390

Re: Interest rates on brokered CDs

Brokered CDs are traded in the open market and are subject to price fluctuations as well as bid/ask spreads. In addition, the 2.3% brokered CD may have been issued some time ago when interest rates were different.
by samsoes
Wed Jun 12, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5549

Re: (Water Filtration System) Miracle we are all not dead

Go to an independent lab and have it tested yourself. It will cost about $100, but that's the only way you'll know for sure.

(I'm on a well - we are supposed to have it tested annually. It's been about 3 years, so I need to get it done. Thanks for the reminder!)
by samsoes
Tue Jun 11, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4009

Re: Tips for new pet owner

No baby talk. :oops:

Let's break the cycle.
by samsoes
Fri Jun 07, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: The Value of a Roth IRA
Replies: 13
Views: 916

Re: The Value of a Roth IRA

So far none of this has addressed my question: the portion of the value of a ROTH IRA attributable to the lifetime of the owner vs the portion attributable to the lifetime of the beneficiary after the owner dies. That math becomes a whole lot easier if one knew one's own date of demise. I used to j...
by samsoes
Fri Jun 07, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: The Value of a Roth IRA
Replies: 13
Views: 916

Re: The Value of a Roth IRA

Leesbro63 wrote:
Fri Jun 07, 2019 5:07 pm
So far none of this has addressed my question: the portion of the value of a ROTH IRA attributable to the lifetime of the owner vs the portion attributable to the lifetime of the beneficiary after the owner dies.
That math becomes a whole lot easier if one knew one's own date of demise.
by samsoes
Fri Jun 07, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Alternative to USPS
Replies: 22
Views: 1782

Re: Alternative to USPS

I put the number of first-class stamps appropriate to its weight and drop it in a mail collection box.

Gone and forgotten.
by samsoes
Fri Jun 07, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 46
Views: 3272

Re: Quicken alternatives?

Been doing manual updates of NAV for a while now that my auto updates went EOL. Not really that burdensome. As a bogleheads side benefit, I used to be in the habit of updating investments whenever I opened quicken to enter a transaction. I now update investments at most weekly, mostly to see if re-...
by samsoes
Thu Jun 06, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Trip to Watertown, CT
Replies: 15
Views: 1095

Re: Trip to Watertown, CT

Great thread, folks, I'm bookmarking it.

I'm born, raised, and have always lived in/near a Bridgeport suburb, and commute to Westchester for work (a.k.a. the Rat Race). It's nice to know that there are so many good places to go close by.
by samsoes
Mon Jun 03, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: best way to deal with mice in a rental property
Replies: 24
Views: 1598

Re: best way to deal with mice in a rental property

https://www.youtube.com/watch?v=UI8l8f7XVNM Shawn Woods (author of the above video) has dozens of videos on his channel, "Mouse Trap Monday," showing the effectiveness -- or lack thereof -- of many different kinds of mouse traps. Warning: some of the videos may be unsuitable for those faint of heart.
by samsoes
Fri May 31, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2922

Re: 23 and me vs. ancestry- thoughts?

When one of these ancestry places goes out of business, and they're bought-out by an insurance company (or other data mining entity) just for the DNA data is when the fun begins.

Don't do it.
by samsoes
Fri May 31, 2019 1:11 pm
Forum: Personal Investments
Topic: Donor Advised Fund Question
Replies: 9
Views: 566

Re: Donor Advised Fund Question

Don't forget, Schwab charges an annual fee for administering the DAF. Therefore you have to be saving more than that in taxes to make it worthwhile. That's only $50. A deduction of $228 at OP's 22% bracket would satisfy that easily. The real beauty about a DAF is the full deductibility of long-term...
by samsoes
Fri May 31, 2019 8:25 am
Forum: Personal Investments
Topic: what to do with small settlement payment?
Replies: 11
Views: 706

Re: what to do with small settlement payment?

Small??? :shock:

That's not a small amount.
by samsoes
Tue May 28, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 108
Views: 12529

Re: No more print Money magazine

mptfan wrote:
Mon May 27, 2019 7:16 am
Fallible wrote:
Sun May 26, 2019 12:18 pm
And without the print version back in the late '80s, I might not have known about Jack Bigle and indexing,
Who is Jack Bigle, and what does he have to say about indexing? :happy
I suspect the poster made a typographical error when referring to Jack Bogle.
by samsoes
Tue May 28, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 108
Views: 12529

Re: No more print Money magazine

aspirit wrote:
Sat May 25, 2019 11:26 pm
TYCB :wink:
What does TYCB mean?
by samsoes
Tue May 28, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment OVER ! New job dilemma
Replies: 32
Views: 4050

Re: Unemployment OVER ! New job dilemma

Commute Job 1 - 3.5 hours each day Commute Job 2 - 3 hours each day Job 1 is non stop. there will be expectations for after hours work mostly for senior management. It is a high visibility, high responsibility role with high compensation and high changes of success or failure. What are the commute ...
by samsoes
Mon May 27, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment OVER ! New job dilemma
Replies: 32
Views: 4050

Re: Unemployment OVER ! New job dilemma

What are the commute times and hours per week for each job? Will there be after-hours and middle of the night support issues for either?

If unfavorable, such things can break one's sanity.
by samsoes
Sat May 25, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Will my checks work?
Replies: 26
Views: 1883

Re: Will my checks work?

I have checks for a checking account that display an old address. Do I need to buy new ones for the checks to clear? The address doesn't matter. The only important pre-printed parts of a check are the routing number and account number at the bottom of the check in MICR. Are MICR numbers still magne...