Search found 750 matches

by arsenalfan
Sat Nov 09, 2019 5:01 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2516
Views: 463137

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

24%
Great, since everything is on autopilot.
Was shocked until I looked at my numbers for past 2 years - I forgot about the ~14% drop in 4Q 2018
by arsenalfan
Sat Nov 09, 2019 4:22 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 152
Views: 11326

Re: Spend It All vs. Leave $$ for the Kids

Another in the pay it out as you go, so long as kids on track. My parents did this as we proved we were responsible. Lots of humps to help with - education debt, house, grandkids education, etc. Much more impactful to the kids to get this assistance in your 30s & 40s, rather than a big inheritance i...
by arsenalfan
Sat Nov 09, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3655

Re: Tale of 2 doctor job opportunities

Job 1.
Hands down.
You will have a much longer career longevity with autonomy and 8wks vac.
It’s a marathon not a sprint.
PS see if you can buy into any alt revenue streams - ASC, equipment, your office building, etc
by arsenalfan
Fri Nov 01, 2019 11:38 pm
Forum: Personal Investments
Topic: Worried I am getting addicted to individual stocks.
Replies: 113
Views: 7324

Re: Worried I am getting addicted to individual stocks.

You need a coherent IPS with an asset allocation. Does it call for 35% in individual stocks? Fine if it does. Track, evaluate, adjust as needed. But have a clear plan. Sounds like this may be “fun money” leftover? Except it is 35% of the portfolio? Fun in rising environment. Not so fun when the slum...
by arsenalfan
Mon Oct 28, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: I no longer plan on retiring early
Replies: 110
Views: 15100

Re: I no longer plan on retiring early

Hello Bogleheads, I wanna share this « milestone ». I have pursued early retirement for the past 6-7 years and If things go smoothly, I should hit my number in 3-4 years, and retire prior to hitting 50. That was the plan. According to our IPS, number to retire was 2M, spouse wants to keep working f...
by arsenalfan
Thu Oct 24, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Wifi in 3000 sq ft house and garage
Replies: 41
Views: 3143

Re: Wifi in 3000 sq ft house and garage

I have hard Ethernet to every floor, 6000 sq ft

I got a WiFi router for each level

Screens switch to strongest
by arsenalfan
Thu Oct 24, 2019 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 104
Views: 9713

Re: Do you plan to actually spend down your portfolio?

I was forced to think about this by a good friend when I was explaining the mega Backdoor Roth IRA, and that one Roth IRA benefit is no RMDs. She asked "uh...don't you think you'll need the money at 70.5, and otherwise what is is there for?" Like the other replies, I don't expect to touch it much. B...
by arsenalfan
Wed Oct 23, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Healthcare
Replies: 1
Views: 423

Buying Healthcare

Investigating the option of buying healthcare as a self-employed 1099 sole proprietor. I'm leaving my employer's CareFirst BCBS PPO HSA plan which costs $17000 for family of 4. Originally I thought I'd just use partner's employer Aetna PPO plan which costs $17,000. ehealthinsurance quote for CareFir...
by arsenalfan
Wed Oct 23, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Spending Money - Surprising Low Fun Return
Replies: 58
Views: 6234

Re: Spending Money - Surprising Low Fun Return

Empathize entirely.
I'm trading money for time now.
Working far less in 2020, making less, but will have more free time.
by arsenalfan
Tue Oct 22, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11543

Re: Ok to go without health insurance?

Get health insurance.
I empathize. You don't get much for your $16k...and you pray you don't, I guess.
Like disability, Health is expensive because it's used often. I would get it.
by arsenalfan
Tue Oct 22, 2019 11:28 am
Forum: Personal Investments
Topic: Full-time to Contractor - What to do with 401K and HSA?
Replies: 7
Views: 503

Re: Full-time to Contractor - What to do with 401K and HSA?

I'm about to do the same thing as your wife. Here's my post, Spiritrider (and white coat investor's site) had a lot of helpful info https://www.bogleheads.org/forum/viewtopic.php?f=10&t=293104&newpost=4803809 I will be keeping my 401k with current employer as >$5k, employer ok with it, great options...
by arsenalfan
Tue Oct 22, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads think about House Hacking?
Replies: 51
Views: 6038

Re: What do Bogleheads think about House Hacking?

Wish I'd heard about it earlier, but don't think I would have done it. 7 years was longest I was in one place pre-kids, and we kind of wanted our own home during grad school days. But I think it's a neat way to reduce your housing cost. Overall, wish I'd known in my 20s that housing, cars, and food ...
by arsenalfan
Tue Oct 22, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Living life post smart phone
Replies: 68
Views: 5713

Re: Living life post smart phone

I hear you OP. I use Waze and texting for work, but otherwise find myself with games/finance/surfing distraction. In my ideal world there would be an old school keyboard Blackberry with Waze, or a GPS system like a Garmin with free realtime traffic routing. Once a month some random phone app is usef...
by arsenalfan
Tue Oct 22, 2019 6:59 am
Forum: Investing - Theory, News & General
Topic: Individual 1099 Employee ??s - i401k, Roth i410k, HSA, Dependent FSA, etc
Replies: 8
Views: 585

Re: Individual 1099 Employee ??s - i401k, Roth i410k, HSA, Dependent FSA, etc

Thanks again Sprit Rider. Not to pedantically quote WCI, but based on this, a few observations and questions: https://www.whitecoatinvestor.com/1099-independent-contractor/ DEDUCTIONS #7 in article "anything you spend on your business including scrubs, white coats, shoes, computers, phones, CME mate...
by arsenalfan
Mon Oct 21, 2019 11:30 pm
Forum: Investing - Theory, News & General
Topic: Individual 1099 Employee ??s - i401k, Roth i410k, HSA, Dependent FSA, etc
Replies: 8
Views: 585

Re: Individual 1099 Employee ??s - i401k, Roth i410k, HSA, Dependent FSA, etc

Thanks! I see this helpful post from 2016 https://www.whitecoatinvestor.com/forums/topic/is-an-llc-even-necessary-for-an-independent-contractor/ So will just do Sched C and sole proprietor. Have 3 other LLCs for rentals and ASC investment - glad I don't have to set up another one. Prob will setup a ...
by arsenalfan
Mon Oct 21, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: Individual 1099 Employee ??s - i401k, Roth i410k, HSA, Dependent FSA, etc
Replies: 8
Views: 585

Re: Individual 1099 Employee ??s - i401k, Roth i410k, HSA, Dependent FSA, etc

Thanks Duckie. Ugh another company. Was pretty happy with the Fido/Vanguard setup. Stumbled on this 5 year old WCI thread on i401ks - sounds like no real changes, eTrade is the winner. https://www.whitecoatinvestor.com/where-to-open-your-solo-401k/ Yes, assume 529/backdoor Roth/after tax investing h...
by arsenalfan
Mon Oct 21, 2019 6:12 pm
Forum: Investing - Theory, News & General
Topic: Individual 1099 Employee ??s - i401k, Roth i410k, HSA, Dependent FSA, etc
Replies: 8
Views: 585

Individual 1099 Employee ??s - i401k, Roth i410k, HSA, Dependent FSA, etc

Howdy Taking a new part time job estimate $400k income, all individual 1099. All my stuff currently is at Fidelity and Vanguard. Can you please validate/add to my thinking, as I process optimizing my 1-person LLC? 1. Setup LLC 2. Setup individual 401k, add first $19k as Roth 401k, and remainder $38k...
by arsenalfan
Fri Oct 18, 2019 7:53 pm
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5852

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

I bought Boeing after the MCAS Crash. - 12 shares @ $372 on 3/15/19. Down 6.8% on it currently, we will see where we are 4/15/19. What are your goals for invesing in single stocks? This has been my fun money account strategy. Buy large, but in crisis, companies and hold for 1 year and see what’s lef...
by arsenalfan
Sun Oct 13, 2019 4:25 pm
Forum: Personal Investments
Topic: What’s the point of a taxable account?
Replies: 62
Views: 6774

Re: What’s the point of a taxable account?

As others have said, for investment after you've maxed all other accounts (401k, HSA, backdoor Roth, mega backdoor Roth, etc) and have an emergency fund. And have weighed other stuff which is largely personal - and which you'll see asked about on BH a lot, e.g. 529? Mortgage Prepay? Alternative Inve...
by arsenalfan
Sun Oct 13, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 84
Views: 9722

Re: Refinance Mega Thread

Refinancing 4 rental properties that are longterm payoff & rent. All in 5/5 over 20 commercial loans, each worth $400k with $200-250k left on each note. At about 4.5-5% on each, and they are about to reset to mid 5%. Refi to 3.5% 5/5 over 20 commercial note. RoI should be about 2 years from ReFi cos...
by arsenalfan
Sat Oct 12, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6228

Re: Hotel mini bar - rude to use for own stuff

If no sensors, I pull out the hotel's nonperishables (sodas, water, booze, etc) and put my stuff in there. I leave hotel's beer (cue debate over whether temp changes skunk beer) and perishables in the fridge. At the end of the stay, I return everything back. No erroneous billing or problems to date.
by arsenalfan
Sat Oct 12, 2019 5:51 am
Forum: Investing - Theory, News & General
Topic: 529 and FIRE
Replies: 29
Views: 3195

Re: 529 and FIRE

One anecdotal record for you: We finished medical training in mid 30s, AGI has ranged from $400-700k per year, kids 3yo and 1mo. We automated $1300 per month per kid UTAH 529. We maxed retirement and also did aftertax. In mid 40s with a 13 yo and 10yo, we are stopping as the amounts have grown to ab...
by arsenalfan
Wed Oct 09, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mass Estate Tax Question
Replies: 4
Views: 878

Mass Estate Tax Question

Looking for BH assistance with Mass Estate Law. I'm executor of a Massachusetts Estate, which has 3 properties worth ~$800k each, and $2.3 MM in IRA funds. It will be divided 50/50 to 2 beneficiaries. The Estate created 3 separate realty trusts, one for each property. Can anyone tell me how will thi...
by arsenalfan
Wed Oct 09, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning....I finally did it
Replies: 3
Views: 1166

Re: Estate planning....I finally did it

Reawakening this thread, as I have a Mass Estate Trusts question. I'm executor of a Massachusetts Estate, which has 3 properties worth ~$800k each, and $2.3 MM in IRA funds. It will be divided 50/50 to 2 beneficiaries. The Estate created 3 separate trusts, one for each property. Can anyone tell me h...
by arsenalfan
Mon Oct 07, 2019 8:27 pm
Forum: Personal Investments
Topic: Employer switching to higher fee 401k admin. What would you do?
Replies: 46
Views: 3341

Re: Employer switching to higher fee 401k admin. What would you do?

1. Hopefully you will have a self-directed brokerage option but probably not.
2. My partner has Voya. There is a low ER Large Cap, Mid Cap, Small Cap Index. We just use those. They're adequate.
by arsenalfan
Wed Oct 02, 2019 6:33 pm
Forum: Personal Investments
Topic: Job Change and 401K
Replies: 14
Views: 1132

Re: Job Change and 401K

If it helps, I'm in a similar boat and leaving the funds in my old employer's 401k at Fidelity. It really is a great plan, with self-directed brokerage and all the usual index/zero offerings. I may move the Roth 401k money into my Roth IRA account though - Fidelity never setup a different account fo...
by arsenalfan
Tue Oct 01, 2019 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fraudulent debit/paypal charge with Ally
Replies: 26
Views: 1423

Re: Disputing fraudulent debit/paypal charge with Ally

I had a similar saga. The advice from BH was great. My advice: use these FTC templates, and certified mail them to the Ally CEO Jeffrey Brown and also the Fraud Dept. https://www.consumer.ftc.gov/articles/0 ... ing-errors https://www.consumer.ftc.gov/articles/0 ... rd-charges Here's my Bank of Ameri...
by arsenalfan
Mon Sep 30, 2019 6:04 pm
Forum: Personal Investments
Topic: 401k Plan Comparison: What am I Giving Up?
Replies: 6
Views: 605

401k Plan Comparison: What am I Giving Up?

Decelerating to a much better job, which I think has a much worse 401k plan. Can you help me quantify the 401k loss? Current Job, partner at firm: PSP to 56k max, Roth component. Future Job, employee: $19k 401k and match to IRS Limit (I think 8k), so $27k total. I am inquiring about mega backdoor Ro...
by arsenalfan
Mon Sep 30, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4291

Re: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED

Thanks everyone. I was about to contact the Clark Howard show if this didn't work out! Yeah, I'm torn about any take home lessons. Some I've mulled, but not sure about: 1. Use a travel agent again? They just used a subcontractor - who had a great track record but ultimately was the bad agent. With t...
by arsenalfan
Wed Sep 25, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 4593

Re: New Credit Card Search - 2 Front Runners?

You have the right attitude!

Hustler me would be appalled at my laziness.
by arsenalfan
Wed Sep 25, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 4593

Re: New Credit Card Search - 2 Front Runners?

If you want the 5% at Amazon, just get the 5% Amazon Store Card. I use that for everything Amazon. Then I use the BoA Preferred Rewards because I park $100k in index with them to get the platinum honors. 2.675% or something like that. Friends have cards for gas, cards for groceries, etc, and track c...
by arsenalfan
Wed Sep 25, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4291

Re: Credit Card Billing Dispute/High Spender/WWYD

9/25 Update: BoA is putting the $9k back on my card. They will give vendor 30days to respond (expect them not to, as a Travel Agency article says they've gone dark and not followed-up on larger amounts). Thank you to BH and the FTC boilerplate letter. It took about 2 hrs to cobble together the artic...
by arsenalfan
Wed Sep 25, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Teaching as a second career with no prior formal training in teaching
Replies: 24
Views: 1522

Re: Teaching as a second career with no prior formal training in teaching

Couple good friends pivoted from consulting gigs to private MS/HS teaching. They are loving it. Private schools have more relaxed hiring standards - one friend was BA Physics/Math, consulting - now teaches MS math/physics. Loves the energy, kids, coaching some sports as assistant coach. Salary from ...
by arsenalfan
Sun Sep 22, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1598

Re: Need new Refrigerator

I've replaced control boards myself - cost about $150 on Amazon/there is an ebay vendor you can also email your direct make/model number and they will find correct replacement OEM part.

Youtube also is your friend.

Saves about $600 off repair costs.
by arsenalfan
Wed Sep 18, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1742

Re: iCloud Full - Photos

I also thank you for explaining sync and backup differences.

I have external HD time capsule drive, but have gotten lazy about hooking the cable up to the MacBook. Assumed everything backed up on iCloud.

Will do so more frequently now. Thanks!
by arsenalfan
Wed Sep 18, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1742

Re: iCloud Full - Photos

Thank you for all the replies!

Sucked into the Apple ecosystem again.

Upgrading to $10 plan.

I have 4 phones all sharing photos (and 2 iMacs and 3 ipads), across 3 states.

Fun to see what everyone is up to!
by arsenalfan
Tue Sep 17, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 5171

Re: $2k repairs on $12K car

It really depends on how much longer you're going to keep the car. Happy and want to keep it 5-10 years longer? This is where you make your money back on the car. We have a 2008 Odyssey with 163k miles worth about 3-5k. Past 3 years we've put 1500 per year into it. It has been used by nannys for the...
by arsenalfan
Tue Sep 17, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 35
Views: 2752

Re: Grand Canyon and More In October

Cliffrose Lodge in Zion was fantastic. 0.2 miles from park entrance (pass a great outfitter, brew pub, and grocery store en route). Virgin river is in backyard, complete with rope swing into river. Go 0.2 miles the other direction, and you're in town with the restaurants. Zion Outfitters in town was...
by arsenalfan
Tue Sep 17, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1742

iCloud Full - Photos

Advice sought: iCloud $2.99 plan is full, don't want to go to $9.99 plan. All photos/videos ever taken are on iCloud. It is fun to see on all our phones/iPads/etc...but not $10/mo fun. I do have everything backed up on time capsule on an external HD. How do I setup Amazon Photos (Unlimited storage t...
by arsenalfan
Tue Sep 17, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4291

Re: Credit Card Billing Dispute/High Spender/WWYD

9/17 Update: Created a document detailing case, transactions, itinerary, bankruptcy filing, and travel industry article about travellers like us being bilked. Used cover letter format like the FTC linked above. Certified Mail to BoA Fraud Dept PO Box that BoA asks all correspondence be directed to. ...
by arsenalfan
Wed Sep 11, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Need ideas for NY Upstate Getaway
Replies: 48
Views: 3162

Re: Need ideas for NY Upstate Getaway

Hard to recc without knowing budget/interest/activities.

Consider Monkhouse Mountain House
by arsenalfan
Sun Sep 08, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: 3.875% fixed rate, 30-year mortgage: are you paying it off early?
Replies: 93
Views: 4010

Re: 3.875% fixed rate, 30-year mortgage: are you paying it off early?

I made an investment policy statement.
For windfalls/surplus cash, I decided to do 67% to aftertax investing, and 33% to mortgage principal paydown.
by arsenalfan
Sat Sep 07, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 39
Views: 2914

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

Thread motivated me to call. Metro DC here, fios fiberoptic rates went from $54 to $93/mo, 75 mbps internet only. Neighbors have XFinity no problems - they're offering $35/mo for 50 mbps service, they've been happy, their use similar to ours. I called Fios and asked for lower rate - they offered $77...
by arsenalfan
Mon Sep 02, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help
Replies: 45
Views: 5860

Re: Neighbor wants me to sell her my driveway but parking is tight. Detailed analysis help

Sounds like you own it. What do you want? If you do not want to rent it, notify her of that (and follow up with a letter to her), clearly stating no contract was signed at time of sale and this is your property. If you want to rent it, rent it for fair market value, show her comps with a contract wi...
by arsenalfan
Sat Aug 31, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Share your Best Barter
Replies: 17
Views: 1467

Re: Share your Best Barter

Bought a rental property for a construction foreman I have known for over a decade. She gets below market rent that still covers PITI, I could proably get $400 more per month. Living in a much nicer neighborhood than her family could otherwise afford. I get trouble-free tenant who renovates it on ni...
by arsenalfan
Sat Aug 31, 2019 11:24 am
Forum: Personal Investments
Topic: Young people with good earnings and still want to work do 100 equities
Replies: 44
Views: 4728

Re: Young people with good earnings and still want to work do 100 equities

I agree with Ferdinand 2014's comments above. I wouldn't recommend 100% equities unless you have a big cash cushion/reserve, and truly don't need the money for 5+ years. When I started, I read some of the intermediate books recommended here and settled on 80/20 stocks/bonds. From what I recall, this...
by arsenalfan
Fri Aug 30, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13078

Re: Amazon -- no longer the lowest prices, evidently

Flexiwand manual sink declog brush. $5 at Lowes, $15 on Amazon.

A lot of these smallish home maintenance items are cheaper at Lowes/Home Depot.

I presume it's to cover the shipping/handling.
by arsenalfan
Tue Aug 27, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4291

Re: Credit Card Billing Dispute/High Spender/WWYD

Thanks.
We only take 1-2 trips a year but this will increase as kids get older.
Amex for protections and Chase as alternative to BoA.
Will wait and see how resolution goes, and never use a travel agent again/always DIY vacations.