Search found 274 matches

by FullYellowJacket
Mon Feb 05, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262192

Re: U.S. stocks in freefall

I made an unscheduled purchase for our Roth IRAs today. I thought about it on Friday, but I am glad I held off one more day!
by FullYellowJacket
Sun Feb 04, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Re: Relearning Calculus

My reasonings for wanting to tackle this are more personal than professional. I'm a Materials Engineer, so actually needing to know advanced math beyond statistics and manipulating rate equations is questionable. What I think this is going on is I am having an early mid-life crisis, where I regret n...
by FullYellowJacket
Fri Feb 02, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Re: Relearning Calculus

if you are interested in the physical meaning of flux, that is more like what some physics courses teach. It takes some vector calculus, which is beyond the first-year calculus required of many students, so many physics programs take some time out to teach that bit of math inside the physics course...
by FullYellowJacket
Fri Feb 02, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Re: Relearning Calculus

How deep of an understanding do you need? It sounds like you might want an undergraduate Real Analysis course. You start really basic, recreating all aspects of math (literally addition and subtraction), and culminate with definitions of derivatives and integrals. Real Analysis is not basic at all-...
by FullYellowJacket
Fri Feb 02, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Re: Relearning Calculus

Do not learn calculus from an engineer. Fortunately the things engineers have to deal with are relatively benign. If they weren't the entire built world would vanish in an uncountable number of infinite discontinuities. To be fair you should not learn engineering from a mathematician. They spend fa...
by FullYellowJacket
Fri Feb 02, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Re: Relearning Calculus

This depends on what you want to learn and what you mean by "from the ground up". The foundations go well below ground level and get deeper every decade. You don't need to go all the way down to have a good understanding. In my experience a "calculus" course is a mathematical methods course. It tea...
by FullYellowJacket
Fri Feb 02, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Re: Relearning Calculus

ThriftyPhD wrote:
Fri Feb 02, 2018 12:02 pm
FullYellowJacket wrote:
Fri Feb 02, 2018 11:21 am
So far I am starting with Spivak's Calculus.
*cringe*
Why so? From what I have read it's one of the best, but perhaps a little dense.
by FullYellowJacket
Fri Feb 02, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Re: Relearning Calculus

Anything that involves a lecturer is probably a non-starter for me, unfortunately. I'll keep the youtube channel in mind.
by FullYellowJacket
Fri Feb 02, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Relearning Calculus

Hi everyone! I've decided to go on a personal endeavor to relearn calculus from the ground up. I've realized in the past few years that I am a product of the 2000s USA education system, and I only know how to solve Calculus problems. The issue is I don't understand the why behind a lot of it. This r...
by FullYellowJacket
Wed Jan 31, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why do many bogleheads feel they can time the housing market but can't time the stock market?
Replies: 63
Views: 4590

Re: Why do many bogleheads feel they can time the housing market but can't time the stock market?

Statements such as: "I'm going to rent for now and wait for the market to crash before I buy a home". I see these sentiments specifically for VHCOL locations such as SF, LA, NYC.
by FullYellowJacket
Tue Jan 30, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: The housing nowadays
Replies: 64
Views: 5867

Re: The housing nowadays

I can say that in Los Angeles, the market has no where near peaked. All cash offers are still rolling in. 2 BR/1BA fixer uppers are quickly selling for 800k (or more) in the right neighborhood. DW and I purchased a condo a few years ago, and we think we should have stretched to a SFH.
by FullYellowJacket
Thu Jan 25, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23651

Re: 401k millionaires

I performed some quick excel analysis. It looks like a 28 year old making $55,000 just starting a 401(k) needs to contribute about $9,765 real per year until age 65, keeping up with inflation in order to have a $1MM 401(k). 4% real rate assumed. This assumes a 4.5% 401(k) employer match. This is abo...
by FullYellowJacket
Thu Jan 25, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23651

Re: 401k millionaires

I wonder what percentage of people with access to a 401k are maxing it out though? It's got to be low single digits. The median household income in the US is ~$55k. As a family income there is no way most people can max out a 401k. Mr. Money Mustache, Justin from Root of Good, the 'Frugalwoods' fam...
by FullYellowJacket
Thu Jan 25, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23651

Re: 401k millionaires

If I include my Rollover IRA that was built through a 401(k) plus my current 401(k), I am projecting an age 65 nominal balance of $3,902,828.13 given a 6% nominal growth rate and 2% inflation. That's $1,941,577.202 real (2018 dollars). If I include potential employee match it will be well over $4MM ...
by FullYellowJacket
Fri Jan 19, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Any downside to having a low property (house) assessment from the town?
Replies: 11
Views: 1025

Re: Any downside to having a low property (house) assessment from the town?

The bank assessor appraised it around $410K (if memory serves). But I'm not sure how much stake to put into that, since I suspect the mortgage broker / bank / appraiser probably have a way of getting things to appraise the way they want them to, unless the value was significantly less than the targ...
by FullYellowJacket
Thu Jan 11, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11499

Re: IRS announces new withholding tables for 2018

I'm going to wait until the IRS and maybe some third party websites publish updated withholding calculators. If I overpay the first few months of 2018 that is OK.
by FullYellowJacket
Fri Oct 27, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 8467

Re: Can I retire today?

The only thing I can think is that perhaps you should consider Roth conversions of that tax deferred money up to the top of the 15% bracket until SS kicks in and your tax bracket may go up. Thanks, but I think I'm squarely in the 25% bracket from now until eternity. Not a bad problem to have! :shar...
by FullYellowJacket
Fri Oct 27, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 8467

Re: Can I retire today?

The only thing I can think is that perhaps you should consider Roth conversions of that tax deferred money up to the top of the 15% bracket until SS kicks in and your tax bracket may go up.

Edit: Congratulations! Above assumes you are retiring.
by FullYellowJacket
Fri Oct 27, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: How Well Do You Know About Retirement Income?
Replies: 40
Views: 4944

Re: How Well Do You Know About Retirement Income?

I have a firm belief in understanding things you take a stance on. If you think annuities are bad, one should take the time to understand them. Having said that, I got 36/38 missing the two questions on who pays the most for LTC and what % needs LTC. I did know that the largest burden of elderly car...
by FullYellowJacket
Wed Oct 25, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 16417

Re: 2018 ACA rates now live....

Looks like California still has reasonable health care prices. If we did not have employer insurance it looks like we would be paying 800 per month for a bronze health plan for a family of 3.
by FullYellowJacket
Tue Oct 24, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 12493

Re: Can one have too much money in tax-deferred

Frankly I have not seen a scenario where someone saved money long term by contributing to a taxable account instead of a Traditional 401(k). Perhaps if the money you are saving is in a no tax state and you retire in a high tax state AND have a higher marginal tax rate?
by FullYellowJacket
Mon Oct 16, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6391

Re: Is Florida Over, 2017

Bogleheads: I live in Miami on the shore of Biscayne Bay. I grew up as a little boy next door. I see little difference in the water level. What has risen is property value and taxes. Best wishes. Taylor Point well taken. Watch the 1960 movie "Where The Boys Are" and you will see the ocean distance ...
by FullYellowJacket
Mon Oct 16, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6391

Re: Is Florida Over, 2017

There are various sea level rise maps you can consult that show the effect of various levels of rise. If the goals of The Paris Agreement come to pass then most of Florida will be fine. I just wouldn't want to be anywhere near flood plains. Unfortunately some amount of sea level rise is already bake...
by FullYellowJacket
Fri Oct 06, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 17183

Re: Bogle himself is saying we will expect like 3% for the next decades

Asking where growth will come from in the future is similar to someone in 1950 asking about when will the microchip or integrated circuit be invented. All it takes is a few scientific breakthroughs and growth is limitless. My barely educated opinion is that major breakthroughs in energy and energy t...
by FullYellowJacket
Tue Oct 03, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1999

Re: Visiting Paris - should we buy tickets in advance?

DW and I visited Paris off-season (March) a few years ago. We didn't have any problems buying all tickets at the amusements. The Eiffel Tower line took maybe 5 minutes to go through around 10:00 AM.
by FullYellowJacket
Thu Sep 28, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Best Veggie Sandwich in South Bay Area
Replies: 4
Views: 399

Re: Best Veggie Sandwich in South Bay Area

And now that I think about it I think you should clarify what you mean by South Bay Area. Do you mean "South Bay" Area, AKA the part of LA that contains Torrance, Manhattan Beach, etc? Or do you mean the South "Bay Area" which would be San Jose, Sunnyvale, etc?
by FullYellowJacket
Thu Sep 28, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Best Veggie Sandwich in South Bay Area
Replies: 4
Views: 399

Re: Best Veggie Sandwich in South Bay Area

While technically not in the South Bay, there are a handful of really good vegan/vegetarian spots on Abbot-Kinney in Venice that make good veggie sandwiches.
by FullYellowJacket
Thu Aug 31, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2777

Re: Evaluating risk of flooding in the "new normal"

My house is built two feet above the previous flood of record. FEMA Flood Zone X only requires one foot. I took on 31" of water last year (considered a 500 year or 1,000 year flood depending on who you talk to). I am quite a bit higher than what surrounds me and not in danger of a dam burst. The wa...
by FullYellowJacket
Wed Aug 30, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: [How can people avoid the estate tax?]
Replies: 22
Views: 2407

Re: [How can people avoid the estate tax?]

It's also possible that one philosophically agrees with the estate tax and therefore does not try to avoid it.
by FullYellowJacket
Thu Aug 10, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 37
Views: 8519

Re: "Upper Middle" Class - ditch WLI or ride it?

Term life (if you needed it, I don't think it makes any sense to get it before starting a family) is much cheaper for much more coverage. 1/10th of the cost per year will provide double the death payout. Invest the difference and your net worth will thank you.
by FullYellowJacket
Tue Aug 01, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Greenspan: Look Out When Bonds Pop
Replies: 58
Views: 9247

Re: Greenspan: Look Out When Bonds Pop

Does Greenspan have any credibility any more?
by FullYellowJacket
Tue Jul 25, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 2900

Re: Pausing 401k to Pay Debts?

Since you are in the 28% bracket, you must have a very large level of debt. Is there any chance you could sell your cars and replace them with cheap cars to wipe out the car debt? Obviously if your cars are under water this is not much of an option. Do you have a spare room/area in your house that y...
by FullYellowJacket
Fri Jul 14, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Suing soon to be former employer, do I have a case?
Replies: 17
Views: 2286

Re: Suing soon to be former employer, do I have a case?

I swear colleges/high schools need to start offering a mandatory class that COMPANY HR AND LEGAL IS NOT YOUR FRIEND. They are their to protect the company, not you.
by FullYellowJacket
Fri Jul 14, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Suing soon to be former employer, do I have a case?
Replies: 17
Views: 2286

Re: Suing soon to be former employer, do I have a case?

Don't ask us. Contact a local labor lawyer to see if you have a case.
by FullYellowJacket
Mon Jul 10, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Slovenia, Croatia, Montenegro
Replies: 13
Views: 1508

Re: Slovenia, Croatia, Montenegro

Hey I'm OP from that thread! Enjoy the trip! One thing: When you go to Bled do not forget to head to Vintgar Gorge for one of the most beautiful hikes of your life. DW and I hiked there from Bled to get some countryside views, but we are big hikers. The only other thing we did that is not on this li...
by FullYellowJacket
Fri Jul 07, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard Total International (VTIAX/VXUS) underperformed?
Replies: 30
Views: 4169

Re: Why has Vanguard Total International (VTIAX/VXUS) underperformed?

Lack_ey, Interestingly, all of Vanguard's active international funds have outperformed in respective categories. This shows costs definitely still matter. So far it seems like my answer is market weighting emerging markets has really been a negative, which probably explains VTIAX underperformance. I...
by FullYellowJacket
Fri Jul 07, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard Total International (VTIAX/VXUS) underperformed?
Replies: 30
Views: 4169

Re: Why has Vanguard Total International (VTIAX/VXUS) underperformed?

But wouldn't USD strengthening have caused a drag in other international funds? Are non-hedged int'l funds a minority?
by FullYellowJacket
Fri Jul 07, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Why has Vanguard Total International (VTIAX/VXUS) underperformed?
Replies: 30
Views: 4169

Why has Vanguard Total International (VTIAX/VXUS) underperformed?

The title says it all. I'm curious as to some explanations as to why Vanguard Total International (VTIAX) has underperformed it's category so strongly (5 year it is in the bottom 50%). I've also noticed that Vanguard Emerging Markets has strongly underperformed category where one has to go back to 1...
by FullYellowJacket
Thu May 25, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: "Land ownership" in a high rise condo
Replies: 8
Views: 1531

Re: "Land ownership" in a high rise condo

My HOA documents actually make it quite clear that I directly own 1/35th of all common areas in the complex (pool, elevator, etc.). In the event of natural disaster/force majeure that requires demolition of the building. I get 1/35th of value of loss for the building and 1/35th if the homeowners agr...
by FullYellowJacket
Mon May 15, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 111
Views: 13072

Re: Tipping for restaurants where you order at the counter

A game! A take out sandwich at a deli? No A cup of black coffee at $Bux or the Bou? Yes, but I usually get an americano if I want a cup of coffee at starbux A cup of ice cream or cone at an ice cream shop? Sometimes A cup of soup and 1/2 sandwich at Panera? No A glass of beer at the bar why you wait...
by FullYellowJacket
Tue Apr 25, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 4705

Re: Los Angeles house buying

Take the $200k down payment, move to a lower CoL area of the country and buy a house with cash. . +1. I don't understand why people stretch themselves so thin to stay in a particular place, no matter how much you love it. A net worth of $400k is not that great for your age and income level (though ...
by FullYellowJacket
Tue Apr 25, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles house buying
Replies: 38
Views: 4705

Re: Los Angeles house buying

If you can afford the mortgage while still meeting your retirement savings goals then go for it. DW and I purchase in LA last year. It was a condo so not quite as big of as investment as a 1MM+ purchase, but it was still nearly 500K. The mortgage is greater than 2X our income, closer to 2.5X. We wan...
by FullYellowJacket
Fri Apr 21, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9847

Re: Mens Blue Jeans - What are we buying now?!

Embrace the 511 fit. Embrace the slim fit. I'm 6'7" and they fit fine on me (34W/36L).
by FullYellowJacket
Thu Apr 06, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 23456

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

Give me a double-double, and I'll show you a person that is content with life. DW and I live about a 5 minute walk from an in-n-out. Not having to deal with the crazy drive-through lines makes it a much nicer experience. In my opinion it probably isn't the best tasting fast food burger, but nothing ...
by FullYellowJacket
Fri Mar 03, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 4781

Re: Ever dip your feet into individual stocks?

Every time I think about playing around with individual stocks, I realize that the most money I would be willing to put in would be inconsequential even if said stock went up 500%. Same reason why I did not invest in bitcoin. I thought about it back when prices were around $100 for 1 BTC. The most I...
by FullYellowJacket
Thu Mar 02, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Is This Inflation?
Replies: 4
Views: 646

Re: Is This Inflation?

Food can go into the equation (or be excluded) depending on what metric you are looking at. The Bureau of Labor Statistics has ample material that explains how inflation is calculated if you really care to know. Either way, food getting more expensive does not necessarily mean there is inflation. Th...
by FullYellowJacket
Tue Feb 28, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 3573

Re: saving for european vacay in 2055

You could take that 2k and go on vacation to Europe right now if you are spartan about it!
by FullYellowJacket
Mon Jan 23, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Managed fund alternative to Total International?
Replies: 7
Views: 748

Re: Managed fund alternative to Total International?

One point in favor of VTIAX/VXUS is that it seems that most of the top performing funds of the last 5+ years are USD hedged funds. Over the long term I would expect such hedging to erode gains due to the cost of hedging. We may see some purposeful devaluation of currency to help exports as well, whi...
by FullYellowJacket
Mon Jan 23, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Managed fund alternative to Total International?
Replies: 7
Views: 748

Re: Managed fund alternative to Total International?

I've had many of the same thoughts. PRGTX doesn't seem to be the best international diversifier, as only 30% of the fund is international stock.
by FullYellowJacket
Fri Jan 13, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: "Millennials are falling behind their boomer parents"
Replies: 24
Views: 2237

Re: "Millennials are falling behind their boomer parents"

Let's not turn this thread into bashing on millenials. Every generation has weak and strong points. My favorite part is when people complain about us being the participation trophy generation. Who gave us those trophies? It is my strong opinion that boomer parents enjoyed seeing our shelves full of ...