Search found 1198 matches

by samsoes
Thu Jun 20, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Liquidating inherited IRA, donating to DAF
Replies: 12
Views: 371

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: 822

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: 238

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: 10990

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: 9305

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: 3658

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: 10990

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: 28027

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: 391

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: 20
Views: 1104

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: 2532

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: 8415

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: 1512

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: 10741

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: 10741

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: 1088

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: 375

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: 5356

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: 3755

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: 891

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: 891

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: 1742

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: 3213

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: 12
Views: 726

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: 1565

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: 2871

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: 557

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: 695

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: 87
Views: 8576

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: 87
Views: 8576

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: 4012

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: 4012

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: 1861

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...
by samsoes
Fri May 24, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2124

Re: Fly cross-country with a cat

I would advise against doing this. Very disrespectful to fellow travelers. Especially those of us with Asthma and severe allergy to cats and dogs. Recycling Air for the whole trip. :confused That would be me. My allergy to cats is severe enough to necessitate a medical emergency landing at some poi...
by samsoes
Fri May 24, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 67
Views: 2799

Re: House votes to change RMDs to 72

Per Rule 4a, "...discussions of proposed laws or regulations are prohibited," except that "[p]roposed regulations that are directly related to investing may be discussed if and when they are published for public comments." Seems reasonable to say that passage by the House is "published for public c...
by samsoes
Fri May 24, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 67
Views: 2799

Re: House votes to change RMDs to 72

This shouldn't violate ToS since it's been passed by the House. Who knows. Politics seem to get blacklisted quickly here even when discussing monetary politics. This is important legislation that needs to be followed. So hopefully the mods will allow it to remain. I know a Senate legislative aid wh...
by samsoes
Fri May 24, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 67
Views: 2799

Re: House votes to change RMDs to 72

In before the lock. :mrgreen:
by samsoes
Thu May 23, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 30
Views: 2046

Re: ongoing eBay buying problems

legio XX wrote:
Thu May 23, 2019 7:55 am
Time to quit the 'Bay?
Yes, it is time.
For me it was when PP asked for my SSN. :oops:

Ha! Not a chance.

I know EB and PP are separate legal entities now, but they are still joined at the hip.
by samsoes
Thu May 23, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: For delinquent Credit Card acct can the bank do an ACH Withdrawal w/o my O.K.?
Replies: 8
Views: 906

Re: For delinquent Credit Card acct can the bank do an ACH Withdrawal w/o my O.K.?

Not sure of the answer and I suppose it depends on fine-print in the card's terms. But for this reason alone, I will never have my checking account routing and account numbers on file with any merchant, vendor, creditor, never! I always "push" payments from my bank's bill-pay service rather than all...
by samsoes
Tue May 21, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: Has anyone heard of this guy
Replies: 12
Views: 2315

Re: Has anyone heard of this guy

He must know "Julie," who keeps calling me wanting to lower my credit card rates (even though I've paid -0- in credit card finance charges over the past quarter century).
by samsoes
Tue May 21, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 4899

Re: Recently promoted - how to match image with title?

dm200 wrote:
Tue May 21, 2019 9:37 am
Jags4186 wrote:
Tue May 21, 2019 7:07 am
I’m so happy I’m a guy.
:happy
Me too, but this got me wondering how a blonde highlight would look across the the remaining fringe of (greying) hair that surrounds my exposed scalp.

Thoughts?
by samsoes
Mon May 20, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11311

Re: Should I encourage my kids to work in high school/college?

Absolutely! Working during high school didn't adversely impact my academics. If anything, working kept me out if trouble since many Fri and Sat nights I was at work. It's a great experience, he/she will learn responsibility, work ethic, experience with dealing with customers, and it will prepare him...
by samsoes
Sun May 19, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: How to deal with home upgrades - HELOC or not?
Replies: 23
Views: 1593

Re: How to deal with home upgrades - HELOC or not?

With the new tax law, HELOC's are deductible when used for substantially improving (including major repairs and upgrades) one's home. That's a great guideline as to what to use the HELOC for. Only borrow from the home to spend on the home. Use the HELOC for nothing else.
by samsoes
Sat May 18, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8709

Re: My solar investment experience

Can anyone tell me how solar on a house interacts with a natural gas automatic on/off generator? I guess I am asking about how the solar and grid interact. Sure - I have one of those too. The solar panel system functions with the grid. When commercial power goes down, the solar panel systems shut d...
by samsoes
Sat May 18, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8709

Re: My solar investment experience

Here in Connecticut, the cost (generation + delivery) of a kWh is close to 27 cents! This is one of the highest rates in the lower 48. I'm currently in the process of a solar installation. I used energysage.com to find a supplier, thanks to the suggestion from the good folks on BH. Got several quote...
by samsoes
Fri May 17, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 16
Views: 1478

Re: Capital One Eno

I use Eno too, but I don't use it everywhere. For Amazon, Apple, etc., I use my preferred credit card directly. But if I'm paying for a subscription, buying lawn mower parts online from a store in Tennessee*, or putting in a credit card number for a free trial**, I will use Eno. I can restrict the ...
by samsoes
Thu May 16, 2019 3:03 pm
Forum: Non-US Investing
Topic: [Belgium] 18yo worth 37k, am I doing good?
Replies: 5
Views: 611

Re: [Belgium] 18yo worth 37k, am I doing good?

You're doing great! :beer At 18, every dollar I made didn't last very long.

I'm sure others with international investing experience will comment as to your portfolio.
by samsoes
Thu May 16, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4091

Re: Reservations about job offer

If the money's there, who cares? I was titled Lead Technologist for a specific technology for a multi billion dollar company. They came to me and said they were splitting the position (project manager plus individual contributor) into an actual manager position plus an individual contributor positi...
by samsoes
Wed May 15, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Error with Social Security Earnings History
Replies: 26
Views: 1448

Re: Error with Social Security Earnings History

Silly question, but was SS withheld from your wages during the missing years?

On the W2 you have from 2011, are boxes 3 and 4 non-zero amounts?
by samsoes
Wed May 15, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Health Insurance question for early retiree
Replies: 8
Views: 631

Re: Health Insurance question for early retiree

If she can manage her income to be in the ACA "sweet spot," the available subsidies will reduce the premium significantly. Like, to less than $100/month. Extreme care must be taken not to go over the upper limit by even $1, or thousands if dollars in subsidies will be lost. For example, in my county...