Search found 541 matches

by moshe
Sat Jan 02, 2021 4:25 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3482
Views: 578990

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

60 (80/20 - US/INTL)/40 (85/15 US BND/CEs) - 13.59%
NW - 22.36% Y/Y

Thank you Mr. Market and this community for inspiration.

~Moshe
by moshe
Wed Dec 30, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: 6 week replacement for dell laptop
Replies: 53
Views: 2578

Re: 6 week replacement for dell laptop

it's a lattitude 7490, needs a new lcd panel. don't think bios clear trick will work. good idea on escalating to ceo's office, I'll give it a whirl! I believe that unit has a HDMI port so perhaps use it with an external monitor in the office and get yourself a good Samsung Android tablet for out of...
by moshe
Wed Dec 30, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: 6 week replacement for dell laptop
Replies: 53
Views: 2578

Re: 6 week replacement for dell laptop

I am curious as to which Dell Series is it? Latitude, Vostro or Inspiron. In my 25+ years of IT experience respectively, excellent, OK, never ever. [...] ~Moshe Where does Dell Precision rank in this list? Top of the line price and feature wise, larger screens, better graphics cards, etc, however i...
by moshe
Wed Dec 30, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: 6 week replacement for dell laptop
Replies: 53
Views: 2578

Re: 6 week replacement for dell laptop

I am curious as to which Dell Series is it? Latitude, Vostro or Inspiron. In my 25+ years of IT experience respectively, excellent, OK, never ever. Did you try escalating to the CEO's office? I have done this when needed and found them to be very helpful. michael@dell.com You didn't mention specific...
by moshe
Tue Nov 10, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept this float down offer on my jumbo mortgage?
Replies: 21
Views: 1102

Re: Should I accept this float down offer on my jumbo mortgage?

Float-down offer looks superior to the refi offer, because it costs $1500 less and is more streamlined. I don't agree with Moshe's on favoring option B. His breakeven analysis is using the new monthly payments, but there is a difference in principal between the two monthly payments because of the s...
by moshe
Tue Nov 10, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept this float down offer on my jumbo mortgage?
Replies: 21
Views: 1102

Re: Should I accept this float down offer on my jumbo mortgage?

How much longer are you planning on staying in the house? 3187-2960 = 227, 6400 / 227 = 28.20 months till recovery of the 6400 3187-2840 = 347, 7899 / 347 = 22.76 months till recovery of the 7899 so option B looks better to my eye... of course, depending on your monthly cash flows, you should consid...
by moshe
Mon Sep 28, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Treadmill recommendations
Replies: 43
Views: 2822

Re: Treadmill recommendations

For walking and light jogging, 2 -3 times a week. Can anyone shed some light on the differences between the Sole 63 and 80 as there is a significant price difference between them. The web site does not list a side-by-side comparison of the models unfortunately. Thank you, ~Moshe The Sole F63 has a ...
by moshe
Mon Sep 28, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Treadmill recommendations
Replies: 43
Views: 2822

Re: Treadmill recommendations

For walking and light jogging, 2 -3 times a week.

Can anyone shed some light on the differences between the Sole 63 and 80 as there is a significant price difference between them. The web site does not list a side-by-side comparison of the models unfortunately.

Thank you,
~Moshe
by moshe
Mon Aug 31, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5101
Views: 962014

Re: What's Your Credit Card Rewards Strategy?

FYI, This upcoming offer from Chase looks attractive, especially for the first 12 months of grocery 3% and the cell phone lost or stolen insurance.

https://www.cnbc.com/select/chase-freed ... -up-bonus/

~Moshe
by moshe
Sat Aug 29, 2020 7:19 am
Forum: Personal Investments
Topic: VTSAX & VTWAX
Replies: 25
Views: 3368

Re: VTSAX & VTWAX

I don't see the point holding both VTSAX & VTWAX as VTWAX is 50%+ US stocks, has a higher ER, and doesn't get a foreign tax credit. This sounds important. Can you explain this please? Why doesn't VTWAX quality for foreign tax credit for its % of distributions from its foreign holdings? Thank yo...
by moshe
Sat Aug 29, 2020 6:46 am
Forum: Personal Investments
Topic: VTSAX & VTWAX
Replies: 25
Views: 3368

Re: VTSAX & VTWAX

I don't see the point holding both VTSAX & VTWAX as VTWAX is 50%+ US stocks, has a higher ER, and doesn't get a foreign tax credit. This sounds important. Can you explain this please? Why doesn't VTWAX quality for foreign tax credit for its % of distributions from its foreign holdings? Thank yo...
by moshe
Tue Jul 21, 2020 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: 9.5 years left on mortgage & thinking of refinancing to a 30 year mortgage
Replies: 17
Views: 2945

Re: 9.5 years left on mortgage & thinking of refinancing to a 30 year mortgage

I like the idea as long as you don't mind holding the debt longer although i would tend to go for a "recast" to 10, 15 or 20 rather than a 30. A recast may allow you to save closing costs but the interest rate may or may not change. My bank did agree to adjust mine for a very low fee that ...
by moshe
Sun Jul 05, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17770

Re: YoutubeTV subscription now $64.99/month

I think watching TV is a waste of time (my TV channels are free, BTW). Nothing can get done. But, it is just me. +1 Just canceled our Comcast TV and moved my home phone to Vonage ($15/mo + taxes = ~$25/mo) so left with just internet @ ~$100/mo (includes a speed increase) Bought a HD OTA antenna (~$...
by moshe
Sat Jun 06, 2020 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Lost my job yesterday
Replies: 68
Views: 12028

Re: Lost my job yesterday

Find a way to get out on your own doing what you love. Be your own boss. Partner with your friend on a new location perhaps? Hard ? Of course. Quality of life. Be your own boss. Enjoy your life! More money? Perhaps yes, perhaps no but QOL! Kids? A+. Never miss anything. I quit my corp job because i ...
by moshe
Sun May 17, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3680

Re: "Fancy" drip/pour-over coffee makers

I've tried all manner of these devices, expensive or not and have finally settled on my $10 Phin filter - cheap, easy and makes delicious coffee....so simple. Glass Carafe from Target ~ $15 makes a great cup of coffee with a bit of extra work in boiling the water / measuring it manually, etc. One o...
by moshe
Sun May 03, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

They had me sign the attestation and promissory note which occurred between round 1 and 2 of funding.... and since then crickets. I contacted my loan officer by email mid-week and after prompting he said it was submitted to the SBA and was in process. Hi, just an update- BOA sent an email overnight...
by moshe
Sun May 03, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I got an SBA number yesterday, and e-signed the BOA note this morning. Supposedly it will fund in 1-2 days. Since I'm an LLC/ pass-through, I'm going to open a separate business account to draw loan proceeds from, as some have suggested. Although my income and draws are typically lumpy, or at worst...
by moshe
Sat May 02, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I got an SBA number yesterday, and e-signed the BOA note this morning. Supposedly it will fund in 1-2 days. Since I'm an LLC/ pass-through, I'm going to open a separate business account to draw loan proceeds from, as some have suggested. Although my income and draws are typically lumpy, or at worst...
by moshe
Tue Apr 28, 2020 7:32 am
Forum: Personal Investments
Topic: Help me understand brokered CDs
Replies: 17
Views: 749

Re: Help me understand brokered CDs

Please help me understand something: Is the stated 0.25% a coupon APR rate or an actual maturity yield rate (YTM is the term i believe) ? Here is a quote from the explanation page at FIDO which leads to my confusion: Coupon, Coupon Interest The interest rate a bond's issuer promises to pay to the bo...
by moshe
Thu Apr 23, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

If you're not a company like Shake Shack, you probably don't have to worry. You sure about that? I have other access to money; I have a cash management account, and a line of credit. "Borrowers must make this certification in good faith, taking into account their current business activity and ...
by moshe
Thu Apr 23, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

https://www.cnbc.com/2020/04/23/us-issues-new-guidance-for-small-business-loans-to-make-it-harder-for-public-companies-to-get-funds.html "Companies applying for coronavirus relief funds must certify that the loans are necessary and that they cannot tap other sources of funding, the SBA said.&qu...
by moshe
Tue Apr 21, 2020 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Applied for a EIDL on 3/31. Over night received a report of an inquiry on my credit report followed by a SBA deposit to my business account for both of my employees. We are a s-corp. No info on the loan part yet. We applied on 3/31 and received a number starting with 33.

~Moshe
by moshe
Sun Apr 19, 2020 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 96
Views: 16102

Re: Laid off!!

My take:

Only take another job if you must.

Work for yourself. Prospect. Find projects. Do your best. Prospect. Never look back. You can do it.

~Moshe
by moshe
Sun Apr 19, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Update:

Just heard from BoA and my companies PPP loan request has been approved. Just waiting for funding, hopefully not too long.

~Moshe
by moshe
Fri Apr 17, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2647
Views: 264741

Re: [What TV Show Have You Recently Watched?]

gary11 wrote: Fri Apr 17, 2020 11:35 am Bosch season 6 has arrived quietly on Prime! I kicked off the first episode yesterday, loved it.
It is good enough to justify the cost of prime? I love the "Bosch" books. Don't order much from Amazon.

~Moshe
by moshe
Fri Apr 17, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2647
Views: 264741

Re: [What TV Show Have You Recently Watched?]

Kim's Convenience (Netflix) is worth a look. We are into Season 2 currently and while at time it causes us to cringe, it is also insightful, real, touching and many times hilarious.

~Moshe
by moshe
Fri Apr 17, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Thanks Harry.

Anything would be helpful, especially as the the PPP well seems to be dry, at least for now.

Best,
~Moshe
by moshe
Fri Apr 17, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2647
Views: 264741

Re: [What TV Show Have You Recently Watched?]

We also tried "Schitt's Creek", and absolutely *hated* it. We tried a second episode, but couldn't even finish it. It was one of the worst things we've "tried" to watch in a very long time. I'm with you on this one! I don't think we finished the first episode. Agreed. Was sophom...
by moshe
Fri Apr 17, 2020 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Hi, circling back to this thread. I, too, received a $1K deposit overnight from the SBA. So I imagine that's the "advance"; I'll have to see whether the "loan" gets any further along. I suppose the priority is to get the advance out fastest and work out the loans later. I sure a...
by moshe
Wed Apr 15, 2020 9:12 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 26131

Re: IRS Get My Payment up and running

Received some very useful information from the site...

"Payment Status Not Available"

Well it's more than i received from the SBA or BOA on my requests for an update on my companies EDSL and PPP requests...

~Moshe
by moshe
Tue Apr 14, 2020 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

So far no communications whatsoever from the SBA or from BOA even though i was early to apply for both. I tried emailing, twittering and calling. No dice...
by moshe
Fri Apr 10, 2020 7:56 am
Forum: Investing - Theory, News & General
Topic: We are in a full-blown Depression
Replies: 95
Views: 8312

Re: We are in a full-blown Depression

We do not know what the future will bring. One makes decisions based on 1) our "less than perfect" understanding of the current state of affairs 2) our prediction of the future based on what the "experts" say and 3) our own internal "expert" predictions. My fiercest bat...
by moshe
Tue Apr 07, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

FYI I just checked my online portal and they (BOA) added a new filing requirement today without notification. Also, the new form has fields that do not work correctly as I had to "type" the amounts by hand using a PDF editor because the form kept on copying the field amounts to the wrong f...
by moshe
Mon Apr 06, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

FYI Heard from BOA late last night re PPP loan request. My company is a S-Corp, 100% ownership by me. After setting up an online account as per the instructions from BOA. Had to submit: Form 940 for 2019 CPA report on payroll till 2.15 PPP addendum with loan request. In our case the requested loan ...
by moshe
Mon Apr 06, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

FYI Heard from BOA late last night re PPP loan request. My company is a S-Corp, 100% ownership by me. After setting up an online account as per the instructions from BOA. Had to submit: Form 940 for 2019 CPA report on payroll till 2.15 PPP addendum with loan request. In our case the requested loan a...
by moshe
Thu Apr 02, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 36246

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Has anyone seen any actual distributions yet? If so, how long did it take after you applied on the EIDL-SBA site?

~Moshe
by moshe
Sat Mar 28, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage - Corona deferred payment options always advisable?
Replies: 10
Views: 1060

Re: Mortgage - Corona deferred payment options always advisable?

Community, Trying to see what this community's thoughts are on the following: Is it advisable to take the offer of banks like WF to defer Mortgage payments for a couple of weeks in any way independent of ones personal cash flow situation? Or is it better to pay off if you can afford it. Thanks I su...
by moshe
Thu Mar 19, 2020 10:42 am
Forum: Personal Investments
Topic: Unprepared for Potential Great Depression Part 2
Replies: 245
Views: 24724

Re: Unprepared for Potential Great Depression Part 2

Depression? IMHO highly unlikely. This will be yesterdays news as soon as some (1 + 2 & || 3) or all the following occur: 1) the wave of seriously ill peaks and starts to fall off. 2) an effective vaccine is found. Mass manufacturing will also be required but not for the market recovery to occu...
by moshe
Thu Mar 19, 2020 10:24 am
Forum: Personal Investments
Topic: Unprepared for Potential Great Depression Part 2
Replies: 245
Views: 24724

Re: Unprepared for Potential Great Depression Part 2

Depression? IMHO highly unlikely. This will be yesterdays news as soon as some (1 + 2 & || 3) or all the following occur: 1) the wave of seriously ill peaks and starts to fall off. 2) an effective vaccine is found. Mass manufacturing will also be required but not for the market recovery to occur...
by moshe
Sun Mar 15, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: So yesterday I leveraged up
Replies: 75
Views: 8288

Re: So yesterday I leveraged up

Leverage is not for me, any strategy involving going into debt is dangerous. Good luck! I disagree in one slight regard. While i agree that leveraging up to purchase extra equities might be very dangerous, the true danger is in not being able to service your existing debts. If you can maintain paym...
by moshe
Sun Mar 15, 2020 10:10 am
Forum: Investing - Theory, News & General
Topic: So yesterday I leveraged up
Replies: 75
Views: 8288

Re: So yesterday I leveraged up

Leverage is not for me, any strategy involving going into debt is dangerous. Good luck! I disagree in one slight regard. While i agree that leveraging up to purchase extra equities might be very dangerous, the true danger is in not being able to service your existing debts. If you can maintain paym...
by moshe
Sun Mar 15, 2020 7:43 am
Forum: Investing - Theory, News & General
Topic: Should people STOP investing in favor of boosting their emergency funds?
Replies: 83
Views: 5729

Re: Should people STOP investing in favor of boosting their emergency funds?

HELOC draw now for larger payments. This might last 2-4 weeks or 2-4 years. Go know. Preserve cash.

To answer the question I will be continuing my normal DCA investments into my IRAs.

~Moshe
by moshe
Tue Mar 03, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: In layman's terms...why is a Correction or Bear Market good for an investor?
Replies: 13
Views: 666

Re: In layman's terms...why is a Correction or Bear Market good for an investor?

Today is a "crisis". Tomorrow is a series of "remember whens.." The markets do not care about anyone's individual opinion or desires at any point in time. Markets go up over time, sometimes it takes longer time periods than during other times. Always be a buyer and you can never ...
by moshe
Sun Mar 01, 2020 8:00 am
Forum: Investing - Theory, News & General
Topic: What does the 10 year Treasury have to do with my FXNAX Bond fund?
Replies: 15
Views: 1233

Re: What does the 10 year Treasury have to do with my FXNAX Bond fund?

I'm not an expert obviously. I've only been doing this for a few months. I'm just saying that Bogle admits that he himself market-timed. He said that he got it right though at that time as the market crashed soon after. He said in almost any other situation it's a mistake though. Here it is: https:...
by moshe
Sun Mar 01, 2020 7:42 am
Forum: Investing - Theory, News & General
Topic: What does the 10 year Treasury have to do with my FXNAX Bond fund?
Replies: 15
Views: 1233

Re: What does the 10 year Treasury have to do with my FXNAX Bond fund?

<snip> I have a feeling Total Market is going to .. <snip> Feelings, AKA relying on luck is not known as a winning investment strategy. As Jack Bogle (RIP) liked to quote. "nobody knows nothing". Make a plan, follow the plan. Feelings are for humanity, the arts, family and pets. ~Moshe I ...
by moshe
Sun Mar 01, 2020 7:24 am
Forum: Investing - Theory, News & General
Topic: What does the 10 year Treasury have to do with my FXNAX Bond fund?
Replies: 15
Views: 1233

Re: What does the 10 year Treasury have to do with my FXNAX Bond fund?

<snip> I have a feeling Total Market is going to .. <snip> Feelings, AKA relying on luck is not known as a winning investment strategy. As Jack Bogle (RIP) liked to quote. "nobody knows nothing". Make a plan, follow the plan. Feelings are for humanity, the arts, family and pets. ~Moshe
by moshe
Tue Feb 18, 2020 10:48 pm
Forum: Investing - Theory, News & General
Topic: Would you ever hold enough Fixed Income to cover you until a certain age?
Replies: 55
Views: 3304

Re: Would you ever hold enough Fixed Income to cover you until a certain age?

Yes. It makes sleeping at night simple. Hold your desired dollar amount in lower risk assets, cash and CEs and MT bonds and let the rest ride the index wave.

~Moshe