Search found 657 matches

by dcabler
Fri Nov 16, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Time Value of Money vs. Variable Percentage Withdrawal (VPW)
Replies: 56
Views: 2394

Re: Time Value of Money vs. Variable Percentage Withdrawal (VPW)

Yeah, I know, we're drifting away from simplicity goals, but for somebody "hands on", I think this makes reasonable sense. Picking up the right Final-Value for the pre-SS years isn't fully straightforward though. Feedback welcome. I think I understand what you're doing, I'm just not sure why you're...
by dcabler
Fri Nov 16, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 78
Views: 10417

Re: How do you "Stay the Course"?

"Don't peek"! Funny for me, I actually trained myself to do the opposite, which is look on the bad days. I see that I am down X dollars, but I also see that the fixed income part of my portfolio which for me is Treasuries is in place and the amount I feel comfortable having to "weather" a downturn ...
by dcabler
Fri Nov 16, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1503

Re: One food I could never give up

Mexican food. I travel a bit for work and I love the foods in the areas of the US where I visit as well as all over Europe. But first thing I have to have upon returning to TX is to have Mexican Food. Funny thing is, I never touched it when I was growing up in Louisiana, probably because it's very g...
by dcabler
Fri Nov 16, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Maxed out Self Employed 401K & HSA where else can I save
Replies: 9
Views: 654

Re: Maxed out Self Employed 401K & HSA where else can I save

I am in my Mid 30s Self Employed Software consultant, my wife is home maker and we are not planing to have kids. My SE income is about about 200K for past 3 years and expecting to remain that way. Here is my snapshot. Emergency funds: 6 Mo (In CD's , Savings and Checking Account) Debt: Home & 1 Car...
by dcabler
Wed Nov 14, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6733

Re: Are you all staying the course?

Yep, staying the course. Still adding $ every month. Beyond that, looking opportunities to TLH and checking on whether rebal bands are hit. But otherwise just watching....
by dcabler
Wed Nov 14, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3197

Re: rule of thumb for using HSA funds?

I use a somewhat mixed approach. We pay from the cash account until we meet the deductible. After we meet the deductible, we pay out of pocket and all subsequent deposits to the HSA are moved into investments, keeping the minimum $1K required in the cash account.
by dcabler
Wed Nov 14, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 41
Views: 3500

Re: Anyone have a bad experience with HDHP?

Check whether the HDHP plan requires that you meet the *family* OOP max before they will cover "everything else". That is, if one person has a lot of expenses, the HDHP might not kick in with the OOP max benefits based upon just that one person hitting the OOP max. Our plan's HDHP has that requirem...
by dcabler
Wed Nov 14, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 41
Views: 3500

Re: Anyone have a bad experience with HDHP?

What is the out of pocket for your HDHP plan? For us, the PPO and the HDHP have the same out of pocket. With the company seed money and other HSA incentives currently equal to the deductible, it works out favorably for most families. The devil is in the details. Premiums are $110/month and out of p...
by dcabler
Wed Nov 14, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 41
Views: 3500

Re: Anyone have a bad experience with HDHP?

What is the out of pocket for your HDHP plan? For us, the PPO and the HDHP have the same out of pocket. With the company seed money and other HSA incentives currently equal to the deductible, it works out favorably for most families. The devil is in the details. Premiums are $110/month and out of p...
by dcabler
Tue Nov 13, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs Equity at a startup
Replies: 15
Views: 1436

Re: Salary vs Equity at a startup

Got an interesting compensation question during an interview: What is your compensation risk profile in terms of percentages of salary and equity? 50/50? 80/20? 100/0? How would you guys go on about choosing this? Luckily, the hiring manager told me to think about it if I'm extended an offer. Regar...
by dcabler
Mon Nov 12, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Best free online tax return predictor?
Replies: 10
Views: 1165

Re: Best free online tax return predictor?

I've been using this one for years. Serves its purpose for me:

http://www.taxvisor.com/taxes/index.html
by dcabler
Mon Nov 12, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Executive Search
Replies: 3
Views: 843

Re: Executive Search

I'm approaching mid-career and looking to advance into my first executive, C-suite position. Based on that I've seen at my company, it makes more sense looking externally than waiting for a promotion. I have the education, experience, and keep my LinkedIn updated, but I realize that near the top of...
by dcabler
Sun Nov 11, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4334

Re: Planet Fitness etc.,

My renewal with PF is coming up. I have always liked it because my routines are simple - 20 mts on elliptical, free weights, some yoga and other floor exercises, and I am out of there in an hour. I don't do classes so no problems. But lately I find their electronic inputs are mostly broken and they...
by dcabler
Tue Nov 06, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113428

Re: High Earners - What's Your Profession?

Electrical Engineering Director (Semiconductor)...

Started out at around $26.5K in 1984.
Broke $100K early 1990's
more than 2x that now.
Been flattish-for the last 5 years or so.
by dcabler
Tue Nov 06, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12680

Re: Are we in trouble?

Yes we lowered the price twice. originally listed at 799K ...lowerd it to 775K and now 750K. Since texas is a no state tax state we felt comfortable with the higher mtg. I just do not want to make decisions when i am feeling so upset and make things worse and hence looking for some outside perspect...
by dcabler
Tue Nov 06, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative
Replies: 16
Views: 1174

Re: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative

+1 I'm like most and also use the Morningstar Style Box as a guide. But I also go back to portfolio visualizer and run a FF regression to see how much size and value factor individual funds might have. Size and value are a continuum..... F&F had their own definition of small and big, which has some...
by dcabler
Tue Nov 06, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative
Replies: 16
Views: 1174

Re: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative

Note that Morningstar recently changed their definitions of large, mid and small, such that it appears that funds have more mid-caps now then they had before. Keep in mind that there is no precise and universally accepted definition of what constitutes Large-Cap, Mid-Cap, and Small-Cap. As long as ...
by dcabler
Mon Nov 05, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Duration matching with TIPS funds instead of buying individual TIPs
Replies: 16
Views: 1238

Re: Duration matching with TIPS funds instead of buying individual TIPs

I'm not sure I did the analysis correctly, but when I looked into this years ago I came away completely convinced that, no, holding an intermediate-term TIPS fund and a short-term TIPS fund and gradually shifting the allocation from intermediate-term to short-term is not at all equivalent to holdin...
by dcabler
Mon Nov 05, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7348

Re: Do people calculate savings rate on gross income?

I don't even target a % of gross or net at this point. - I have a small range that I automatically deposit every month - Additionally, any bonuses or RSU cash-outs go straight to savings. And that varies each year. - And I also participate in the company's ESPP, so that goes in as well... And while ...
by dcabler
Sun Nov 04, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Question on the 4% withdrawal rule
Replies: 66
Views: 4348

Re: Question on the 4% withdrawal rule

I have a quick question on the 4% rule. From what I understand this rule states that one can withdraw 4% of the portfolio in the first year of retirement and then increase 4% by inflation and that the portfolio would last your lifetime. The question I have is. Say I start with one million and say i...
by dcabler
Sat Nov 03, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 35
Views: 3046

Re: high deductible vs. PPO calculation--high deductible always wins?

Just did the same calculation for my family. In our case, the choice is between two HDHP's, one with a higher deductible but the company pays 100% of the premiums, and one with the minimum deductible allowed to still be HDHP, but for which we would pay a small-ish premium. Their own examples show wh...
by dcabler
Fri Nov 02, 2018 6:06 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5207

Re: People with older car, share your unusual repairs

2003 Civic. 139K miles. Had to get a engine mount bracket replaced. Easy stuff: I replaced the radiator fan a while back as well as the thermostat Harder stuff: The fan for the A/C condenser is dead. Unlike the radiator fan next door, all youtube videos show that the deed involves removing the fron...
by dcabler
Thu Nov 01, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Selling House Directly to Buyer
Replies: 28
Views: 2642

Re: Selling House Directly to Buyer

Upon learning that I am contemplating selling my house, an associate of mine has asked whether I would consider a direct sale to her. She has sold a house before using this method and found Realtors who perform the service for deeply discounted rates. I'd appreciate any advice BHs might provide abo...
by dcabler
Tue Oct 30, 2018 6:44 am
Forum: Investing - Theory, News & General
Topic: Best Investing/Personal Finance Books?
Replies: 10
Views: 926

Re: Best Investing/Personal Finance Books?

Good morning, I just finished The Boglehead's Guide to Investing, and it's probably the only book I need, but does anyone have any other book recommendations for investing or personal finance? Any favorites? Thanks and have a great day. Here on the bogleheads wiki: https://www.bogleheads.org/wiki/B...
by dcabler
Mon Oct 29, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 26
Views: 8814

Re: Wow! Just discovered "Portfolio Visualizer".

letsgobobby wrote:
Mon Oct 29, 2018 3:38 pm
Yeah, scratch that. PV is not for tracking my investments. Still looking.
A lot of us just created our own spreadsheets for that. If you google within this forum, there are a few examples that some people have made public. Others use things like MINT or Personal Capital. Good luck!
by dcabler
Mon Oct 29, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5207

Re: People with older car, share your unusual repairs

2003 Civic. 139K miles. Had to get a engine mount bracket replaced. Easy stuff: I replaced the radiator fan a while back as well as the thermostat Harder stuff: The fan for the A/C condenser is dead. Unlike the radiator fan next door, all youtube videos show that the deed involves removing the front...
by dcabler
Mon Oct 29, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 26
Views: 8814

Re: Wow! Just discovered "Portfolio Visualizer".

How do you enter a portfolio in PV? I can’t find the data entry fields. Starting here: https://www.portfoliovisualizer.com/backtest-portfolio Look at the rows: Asset1, Asset2, etc. There's a field for "Ticker Symbol" and % My portfolio is in dollars, not percentages, and changes daily. How do I ent...
by dcabler
Mon Oct 29, 2018 5:33 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 26
Views: 8814

Re: Wow! Just discovered "Portfolio Visualizer".

letsgobobby wrote:
Mon Oct 29, 2018 12:55 am
How do you enter a portfolio in PV? I can’t find the data entry fields.
Starting here: https://www.portfoliovisualizer.com/backtest-portfolio

Look at the rows: Asset1, Asset2, etc. There's a field for "Ticker Symbol" and %
by dcabler
Sun Oct 28, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: Being true to my IPS, or violating it?
Replies: 22
Views: 2004

Re: Being true to my IPS, or violating it?

Don't violate your IPS, just change it. It isn't writ in stone. Dale +1. Your IPS is a contract to yourself. Thing is, you can't sue yourself if you violate it. :D Seriously, if you think you've learned more or have a different outlook/philosophy than you did before, then by all means re-write it. ...
by dcabler
Sun Oct 28, 2018 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Another Fidelity Rollover question
Replies: 9
Views: 684

Re: Another Fidelity Rollover question

I am about to rollover my 401k from a previous employer (which is with Fidelity) to a Fidelity IRA. It's a significant amount (mid 6 figures), so just wanted to run this by this knowledgeable group to make sure I'm not missing anything.... - I realize I will lose the option to do backdoor Roth cont...
by dcabler
Fri Oct 26, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8067

Re: What's everyone currently in?

50% equities, 50% bonds Bonds are a mix of Intermediate Treasuries and TIPs/Ibonds Stocks are approx. 75% US, 25% International, heavy on the mid/small cap value with some EM and Int'l small cap All are Index funds, except for one managed stock fund that represents about 8% of my total holdings. Wha...
by dcabler
Thu Oct 25, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 88
Views: 12341

Re: For those waiting for a 'correction' ...

No, not really. Happy with my AA. Only looking for two things:

1. How close am I getting to a rebal trigger?
2. Do a little TLH out of some funds that aren't part of my long term plans but for which I don't want a cap gains hit by selling.

Waiting on #1, Already started on #2
by dcabler
Tue Oct 23, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting - yay or nay?
Replies: 13
Views: 1118

Re: Tax loss harvesting - yay or nay?

Why would you not ? Whatever your 'loss', you can reduce your taxes by 3k times your tax rate....for as many years as the loss is a multiple of the 3k - no brainer Agree. Unless you're doing the dreaded "market timing" for TLH by trying to time when it hits bottom. :D For where I am today, I am usi...
by dcabler
Tue Oct 23, 2018 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 5
Views: 991

Re: Deferred Compensation Plan

I have been participating in a NQDC plan for the last 17 years and it has really helped me manage my tax situation. Currently I am 47 and plan to FIRE at 50. The attraction for me was being able to defer amounts much larger than the annual limits in 401(k)s and being able to get the money back with...
by dcabler
Mon Oct 22, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8647

Re: Quitting w/o notice

I was in a very similar situation just a few years ago. After only a few months at a new job, I was having panic attacks, trouble sleeping, the works. Then my mom passed away in the middle of all of that. I put a notification on my calendar for a 1:1 with my boss who was in another location and told...
by dcabler
Sun Oct 21, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6042

Re: Pull kids from school for vacations?

Doom&Gloom wrote:
Sat Oct 20, 2018 1:29 pm
We never did. Always thought it set a very poor example. No regrets.
+1
by dcabler
Fri Oct 19, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: [How many SP500 companies in Mid Cap Index? Split 50/50 btwn Ttl Mkt and Mid Cap?]
Replies: 15
Views: 707

Re: Split US equity 50/50 btwn Ttl Mkt and Mid Cap Indx

Yea its a never ending circle really. I do a 3 fund portfolio and just like analyzing data. One way is to just make sure the total stock market index doesn't get more concentrated in one particular industry more than around 25%. During dot com era - technology sector hit 35% of SP500. I do every no...
by dcabler
Fri Oct 19, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: [How many SP500 companies in Mid Cap Index? Split 50/50 btwn Ttl Mkt and Mid Cap?]
Replies: 15
Views: 707

Re: Split US equity 50/50 btwn Ttl Mkt and Mid Cap Indx

Approx 70% of mid cap index are sp500 companies, verified by other member too in a different posting. Why did I want to know? Hypothesis would be due to market cap weighting, during a speculative bubble where too much money gets put into too few companies, i.e. during dot com bubble... during 2000-...
by dcabler
Thu Oct 18, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4060

Re: Corporate politics/culture

Well, I'm not surprised to see that I'm not the only semiconductor veteran here! More of an interested onlooker. But I knew a lot of semiconductor engineers at one time. Yep, "we're going to concentrate now on our core business". Layoffs start, new innovative teams are disbanded, etc. Begin spiral....
by dcabler
Thu Oct 18, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4060

Re: Corporate politics/culture

I worked for one particular MegaTechCorp where the executive VP of sales rotated in/out on about an 18 month basis. Every one of them seemed to feel that they needed to make a major change to show how great they were. I'm attached to sales so saw the result of their ego driven stupidity. One VP say...
by dcabler
Tue Oct 16, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5527

Re: Jury duty - already booked vacation

The details are going to depend on exactly where you live and the jurisdiction for the particular court you'd be called for. As others said, contact them. I've had this issue before and it wasn't a problem.
by dcabler
Tue Oct 16, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4060

Re: Corporate politics/culture

the new ceo is a guy from a good wall street firm. Unless your company is a somewhat similar wall street firm(even if not on wall street) then you have to wonder why they hired someone from a wall street firm. The reason could be that he was hired to extract value from the company then sell off the...
by dcabler
Tue Oct 16, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4060

Re: Corporate politics/culture

Been in the private sector for 35 years now. It's almost as if there is a play book that they've read, at least in my industry. 1. New CEO comes in. Declares a 90-120 day period of "getting the lay of the land" 2. After that period, large number of second level execs depart nearly simultaneously and...
by dcabler
Tue Oct 16, 2018 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 5083

Re: Is it worth filing FAFSA even if you know you'll get nothing?

Did ours on Sunday. Really, it doesn't take much time as much of the info is automatically transferred over by the IRS. Like the OP, probably will get zippo, but did it anyway. A couple of interesting tidbits. 1. It only allows one to choose 10 schools. If you want to add more, then you go back in a...
by dcabler
Mon Oct 15, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Kids and Money
Replies: 38
Views: 1875

Re: Kids and Money

DW and I are expecting our first child next year. We stress out about a lot of things long before we need to, and one of the things we have been struggling with is how money will affect our children. Specifically, we are concerned about money making our children entitled, lazy, or careless with fin...
by dcabler
Mon Oct 15, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4118

Re: How Much Is Your Sewer Bill?

Flat Sewer Bill just outside of the city limits of Austin TX. $98 per month
by dcabler
Fri Oct 12, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1817

Re: Morse Code Glide Path

Interesting concept - I generally don't use a glidepath but hold a fixed allocation. With this method, as you approach you target dollar amount, the percentage of your bond holdings increase. If your bond holdings increase, then you can expect your long term returns to decrease. It's sort of gently ...
by dcabler
Thu Oct 11, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3598

Re: anybody sell I Bonds to buy something else?

I have both of TIPs and Ibonds. Inflation protection. In fact, they're earmarked to be withdrawn from starting at age 70 as a supplement to SS. The rest of the portfolio is to bridge between when I retire and age 70 and for any extras on top of SS+Ibonds/TIPs since SS + Ibonds/TIPs will just about c...
by dcabler
Wed Oct 10, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Delay between ESPP purchase and when shares are received
Replies: 2
Views: 234

Re: Delay between ESPP purchase and when shares are received

Company's new ESPP description: Shares will be purchased at the closing price of the last trading day of each quarter, with a 15% discount. You will receive the shares up to 30 days after the last day of the quarter. HR clarified that US employees probably won't see 30 days between purchase and rec...