Search found 777 matches

by Compound
Sat May 23, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 551
Views: 144588

Re: Pull-ups and Push-ups

livesoft wrote:
Sat May 23, 2020 10:17 am
Done.
:sharebeer
by Compound
Sat May 23, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 551
Views: 144588

Re: Pull-ups and Push-ups

livesoft wrote:
Mon May 18, 2020 4:48 pm
This thread has to go away because I made a vow that every time there is a new post to go do pull-ups to failure. It is getting tiring.
I just did my sets of pull-ups for the day — tag you’re it! :mrgreen:
by Compound
Fri May 22, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 367
Views: 28718

Re: The axe falls and I am prepared. What's next?

Folks, So, it happened. I will be laid off by the end of June. The basic financial stuff: A) 3 months severance pay B) 1 year subsidized medical insurance. C) 1 year COBRA D) 110K to 120K of the Emergency Fund E) 1.35 to 1.4 million 60/40 portfolio F) Late 50+ years old. G) Annual expense of about ...
by Compound
Sun May 10, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 551
Views: 144588

Re: Pull-ups and Push-ups

Following. I've got pushups nailed. Can't do any pull ups. Any pointers on how to start and build up? I've read just to hang, also to build up muscles flexing while hanging. I have a climbing harness with counter weights, gonna give those a try, but even with the counter weights can hardly pull up ...
by Compound
Sat May 09, 2020 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Very Low Student Loan Interest Rate - Invest Instead?
Replies: 34
Views: 1853

Re: Very Low Student Loan Interest Rate - Invest Instead?

I'm a lawyer with annual income of $200k. I'm in biglaw, so I don't know how long I will be able to last there, and how long my income will be high around this level. I currently have ~$140k of student loan, which I refinanced last year with a variable rate. Monthly minimum payment has been ~$2200,...
by Compound
Sat May 09, 2020 5:10 am
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 46
Views: 2677

Re: Thank you, moderators!

It can’t be said enough — thank you to the Bogleheads moderators. Your efforts keep these forums civil and on task resulting in a forum so many of us enjoy frequenting.
by Compound
Tue May 05, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 55
Views: 1886

Re: can't log on

Also cannot login at vanguard. :annoyed
by Compound
Sat May 02, 2020 5:24 am
Forum: Personal Investments
Topic: Did I make a mistake with my bond allocation switch?
Replies: 24
Views: 2573

Re: Did I make a mistake with my bond allocation switch?

Ages: 39, 35 AAs: 75/25, 80/20 In early March, fearing exposure to corporate bonds and MBS in total bond funds from potential fallout of the coronavirus, I allocated some portion of my bond funds (maybe 30% to 60% of bond allocation) in 401k to a more stable fund (either a MM or Stable Value fund)....
by Compound
Sat May 02, 2020 5:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe..Four Investment lessons from Covid
Replies: 56
Views: 7971

Re: Larry Swedroe..Four Investment lessons from Covid

[quote=Norsky19 post_id=5226312 time=<a href="tel:1588407656">1588407656</a> user_id=99890] Interesting article from Larry.... thoughts? https://www.evidenceinvestor.com/four-investment-lessons-from-the-covid-crisis/ Larry's advice changes with the season. Today, it's only the safest bonds. Yesterd...
by Compound
Thu Apr 30, 2020 1:47 pm
Forum: Personal Investments
Topic: Pay mortgage or invest?
Replies: 18
Views: 1481

Re: Pay mortgage or invest?

Woah, I'm blown away by the thoughtful responses this post received. This is an amazing community <3 Are you maxing out your IRA? I'm currently only maxing out my employer contribution to my retirement plan. I have the option through my employer to do a mega back door roth but I'm not doing that ye...
by Compound
Fri Mar 27, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Documentaries?
Replies: 14
Views: 1330

Re: Documentaries?

"The Biggest Little Farm". Fun, informative, and educational for adults and children. Best documentary I've seen in the last couple years. I rented on line for $2.99. Well worth the price of admission. Check it out. Watched this movie with my family (for free — back when the libraries were open!). ...
by Compound
Thu Mar 26, 2020 6:10 am
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 110
Views: 20012

Re: Any other investors with 70/30 portfolio?

dru808 wrote:
Thu Mar 26, 2020 4:45 am
Who’s the boglehead/author that talks about, never less than 30% equities and never more than 70% equities?

Edit: did not realize this topic was so old. Sorry
I believe Benjamin Graham (who predates Bogleheads) advised as such, but used 25% and 75% as the lower and upper bounds for equities.
by Compound
Sat Mar 14, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Transitioning weightlifting from gym to home
Replies: 20
Views: 1234

Re: Transitioning weightlifting from gym to home

Thank you so much for providing ideas everyone! I’m presently thinking this transition will be temporary, so I’m strongly leaning toward the pull-up bar and/or ring and/or TRX setup plus body weight exercises and maybe even doing some bucket exercises as shown in RobLyons link. I’d appreciate hearin...
by Compound
Fri Mar 13, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Transitioning weightlifting from gym to home
Replies: 20
Views: 1234

Re: Transitioning weightlifting from gym to home

Thank you both for opining.

Do you have any references on how to make/mount a pull up bar? There isn’t any garage space (the ceiling is dry walled and high), but a part of my basement has joists exposed. Would that work?
by Compound
Fri Mar 13, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Transitioning weightlifting from gym to home
Replies: 20
Views: 1234

Transitioning weightlifting from gym to home

I’ve been motivated by many of the personal fitness posts here on this website and have managed to get myself into much better shape over the course of the past year. For example, when I started with this change, I couldn’t do a single pull-up (note current status below). A big part of that change h...
by Compound
Fri Mar 13, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13344

Re: Coronavirus Flight Cancel Thread

1. Successfully cancelled three flights. 2. Southwest southwest Korean 3. Credit credit (both to be used within a year of booking. One of those is within about 6 months because it was booked way in advance — unless SW changes their policy, this may end up as a loss) and refund (supposedly within 6-8...
by Compound
Sun Feb 16, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lots of big financial decisions to make in short time | please help navigate
Replies: 17
Views: 2187

Re: Lots of big financial decisions to make in short time | please help navigate

Why $40k for the car budget? I’d say slash that dramatically and divert the funds toward other things.

Do you have a wedding date set?

Can you refinance the student loans at a lower rate?
by Compound
Sun Feb 16, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Bathroom remodel -10K- Is it expensive?
Replies: 44
Views: 5360

Re: Bathroom remodel -10K- Is it expensive?

I would avoid Re-Bath and other quick fix companies. I did my own master bath remodel 2yrs ago. Got quotes around 65K. Wound up doing it myself for 22K which included a new soaker tub, large shower and upgraded cabinets and fixtures. Don't cover up the problems. Take it back down to subfloor and st...
by Compound
Sun Feb 16, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Tax underpayment penalty
Replies: 45
Views: 3341

Re: Tax underpayment penalty

"How did you calculate ... " I used TurboTax and put in a $50K estimated tax payment on 12/13/2019. If I moved the $50K to Q1, turbo tax shows that I do not owe a penalty. So, I was hoping that my overpayment may negate any penalty. I did deduct 110% of taxes that I owed the previous year ( 2018). ...
by Compound
Thu Feb 13, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21174

Re: Total Stock Market Index - Section 199A dividends this year

Now TT is saying the 8995A form won't be ready until 2/20. The IRS has not (as of a search I did right now) released a final version of the instructions for the 2019 Form 8995A. They are still in draft version. I suspect Turbotax (or any of the other software packages) can't proceed until the IRS f...
by Compound
Sun Feb 09, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: Becoming more reclusive as I age - is it OK to be OK with it?
Replies: 101
Views: 7257

Re: Becoming more reclusive as I age - is it OK to be OK with it?

Chip wrote:
Sun Feb 09, 2020 8:25 am
Teague wrote:
Sun Feb 09, 2020 8:04 am
Meh. You're fine. Stop bothering me.

And get off my lawn.
I really should send you a bill for a new keyboard. I keep spitting coffee on mine while reading your posts. :beer
I’m with you. This comment made me smile (while I read this post alone with my thoughts). :D

:sharebeer
by Compound
Fri Jan 31, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Vacation Destination: Costa Rica
Replies: 5
Views: 710

Re: Vacation Destination: Costa Rica

Consider going with a guide looking for the quetzal bird in Monteverde. Saw several of them and loved it!
by Compound
Fri Jan 31, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Coding/Billing
Replies: 16
Views: 1286

Re: Medical Coding/Billing

SlowMovingInvestor wrote:
Fri Jan 31, 2020 4:13 pm
I realize that different doctors will code differently, so I suppose there isn't much to be done, except to stick to my regular PCP when possible !
I think this sums it up beautifully.
by Compound
Fri Jan 31, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4396
Views: 1252503

Re: What Book Are You Currently Reading? Part VI

Endgame By Frank Brady If you love chess read this biography of Bobby Fischer Thanks for the tip. I just bought it on Kindle. I got it free though, I had a $1 credit for delaying an Amazon purchase delivery and inexplicably Amazon just popped up an offer of a free $5 Kindle credit, probably because...
by Compound
Mon Jan 27, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested [UPDATED]
Replies: 125
Views: 16158

Re: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested

In a somewhat similar situation (forced by an airline to buy a second ticket for the same seat, but for different reasons which were entirely confined to the airline), I went though a lengthy escalation process with them seeking a refund after-the-fact, from submitting a formal complaint through th...
by Compound
Sat Jan 25, 2020 10:20 am
Forum: Personal Investments
Topic: Year 7 as a Boglehead: :sharebeer: emoji
Replies: 13
Views: 1587

Re: Year 7 as a Boglehead: :sharebeer: emoji

Has the crypto “fun money” indeed been fun?

Overall, looks like solid progress forward.
by Compound
Wed Jan 22, 2020 8:51 pm
Forum: Personal Investments
Topic: Last gasp of the bull
Replies: 118
Views: 18110

Re: Last gasp of the bull

hdas — it wasn’t clear to me from your OP, what influenced your decision to make this change. Are there particular market signals that you follow over time? While I commend you for publicly posting your decision to make this change before the fact , it would also be helpful to know the rationale. If...
by Compound
Wed Jan 22, 2020 8:31 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26580

Re: Sad news: LadyGeek's husband has passed

Sending heartfelt condolences to you and your family LadyGeek.
by Compound
Thu Jan 16, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Down Mortgage...with a twist.
Replies: 9
Views: 1732

Re: Pay Down Mortgage...with a twist.

I like the mortgage payoff idea in your scenario. You get peace of mind, de-risk a little bit, and take some winnings off the table. I don’t see much downside (except some potential future market returns if the market stays ablaze).
by Compound
Thu Jan 16, 2020 8:13 pm
Forum: Personal Investments
Topic: Taxable Account- Seeking another fund
Replies: 10
Views: 1326

Re: Taxable Account- Seeking another fund

Looks like it’s actually 75% stocks and 25% cash.

What is your goal for this stash of money? Why the 10-15 year horizon?
by Compound
Wed Jan 15, 2020 8:49 pm
Forum: Personal Investments
Topic: Help with 403 b allocations
Replies: 10
Views: 522

Re: Help with 403 b allocations

Welcome to the forum. For question #1, I was surprised you didn’t list VIIIX. That should be a core fund for you. Thank you for your reply. The difference between VIIX and VIEIX? I see that VIIX has a lower ER but TIAA lists is as lower performing compared to VIEIX so that is why I went with VIEIX....
by Compound
Sun Jan 12, 2020 10:17 pm
Forum: Personal Investments
Topic: Help with 403 b allocations
Replies: 10
Views: 522

Re: Help with 403 b allocations

Welcome to the forum.

For question #1, I was surprised you didn’t list VIIIX. That should be a core fund for you.
by Compound
Sat Jan 11, 2020 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Extra Money
Replies: 14
Views: 2126

Re: Extra Money

Why are all of your stock assets tied to one company (Publix)? It's strongly implied that OP works for Publix, thus the over weighting of Publix stock. So were hundreds of Enron employees, PG&E employees, Kodak employees, Kmart employees, Sears employees, Author Anderson employees, WorldCom employe...
by Compound
Fri Jan 10, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Locked Amazon account, what to do?
Replies: 8
Views: 1567

Re: Locked Amazon account, what to do?

Amazon locked my account. The reason why is because there were disputes with the credit card for some orders I had placed. I had used a credit card that belonged to my aunt, because I was buying her some items for her for Christmas (she's elderly and wanted me to order some things for her). She for...
by Compound
Fri Jan 10, 2020 9:18 pm
Forum: Personal Investments
Topic: Using 401K Match
Replies: 4
Views: 593

Re: Using 401K Match

Can’t see any major faults with your strategy aside from the obvious (concentrated risk of individual stock). In the unlikely event you could tax loss harvest, you’d want to consider wash sales — some argue that 401k investments may create a wash sale. For example: https://obliviousinvestor.com/tax-...
by Compound
Fri Jan 10, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: phone scam
Replies: 30
Views: 2813

Re: phone scam

veggivet wrote:
Fri Jan 10, 2020 8:24 pm
mptfan wrote:
Fri Jan 10, 2020 4:49 pm
I've gotten a call from myself twice in the last several days. I did not pick up, I hope I didn't offend myself.
:mrgreen: :mrgreen:
:beer :D
by Compound
Fri Jan 10, 2020 9:00 pm
Forum: Personal Investments
Topic: Minimum for investment fee to be worth it.
Replies: 7
Views: 812

Re: Minimum for investment fee to be worth it.

Is there an employer match for the 403b plan?
by Compound
Fri Jan 10, 2020 8:59 pm
Forum: Personal Consumer Issues
Topic: Kauai in July questions, condo, hotel, etc
Replies: 8
Views: 1099

Re: Kauai in July questions, condo, hotel, etc

I’ve stayed on that side of the island a couple of times, although it’s been quite a few years. I love it there! So lush and beautiful!

If you like hiking, look into doing the Na’Pali coast. The views are stunning!
by Compound
Fri Jan 10, 2020 8:45 pm
Forum: Personal Investments
Topic: 34yo - Portfolio Check
Replies: 12
Views: 1637

Re: 34yo - Portfolio Check

If you consider adding bonds, consider doing it in one of your tax protected accounts and keep stock funds in taxable.

What interest rates are those car and home loans at?
by Compound
Fri Jan 10, 2020 8:42 pm
Forum: Personal Investments
Topic: 34yo - Portfolio Check
Replies: 12
Views: 1637

Re: 34yo - Portfolio Check

Hello All, Wanted to ask a few questions after posting my Portfolio 34Yo. Married w/ 3 Kids - 4.5, 2.5, .5 MFJ. PA Desired Asset Allocation - 85/15 His Income - 95k, but eligible for bonus anywhere from 0-90k based on performance Her Income - 90k, has always received 2 bonuses for roughly 30k combi...
by Compound
Fri Jan 10, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Extra Money
Replies: 14
Views: 2126

Re: Extra Money

Why are all of your stock assets tied to one company (Publix)? I’d highly recommend you diversify into a stock or target date style mutual fund. Hopefully your 401k offers reasonable choices to choose from. And, yes, if you have extra funds to invest, a Roth IRA is a great option. You may want to re...
by Compound
Fri Jan 10, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a Trust
Replies: 35
Views: 3586

Re: Should I get a Trust

Thank you all for the feedback. My wife is the primary beneficiary, I guess my goal is that the 3 kids get even and easy convenance to the inheritance. I know that PA. Has an inheritance tax 4.5%. I would like that avoided if possible. I’m also in PA and recently got a couple of estate planning opi...
by Compound
Wed Jan 08, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7475

Re: How do you mentally process stupid ways of losing money?

KlangFool wrote:
Wed Jan 08, 2020 6:57 pm
I know that I am stupid. So, it helps tremendously when I make a mistake. I am just being me.

KlangFool
100% agreed KlangFool.

To err is human. Some days I feel human. Other days I feel really really human.
by Compound
Mon Jan 06, 2020 8:32 pm
Forum: Personal Investments
Topic: Diversifying out of large single stock position
Replies: 14
Views: 960

Re: Diversifying out of large single stock position

As for execution or market impact risk, do you mind sharing the following: - stock price, - number of shares that you would want to execute (sell), - and the 63-day average of the shares traded of this stock on the exchanges. For example, in this quote, that number for AAPL is 25.671 MM shares per ...
by Compound
Sun Jan 05, 2020 9:24 pm
Forum: Personal Investments
Topic: Buying Total Stock Market now? 403(b)
Replies: 4
Views: 861

Re: Buying Total Stock Market now? 403(b)

Yes. Keep pouring money in to follow your target asset allocation. Your target seems reasonably conservative. However, the “cold feet” you’re currently experiencing suggests you may want to consider revisiting if you are at the correct asset allocation for you.
by Compound
Sun Jan 05, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do Flexible Spending Accounts Save You Money?
Replies: 15
Views: 1510

Re: Do Flexible Spending Accounts Save You Money?

FSA money is taken out pre-tax. This will save you money on taxes irrespective of if you itemize or not.
by Compound
Sun Jan 05, 2020 3:34 pm
Forum: Personal Investments
Topic: [Where should I invest after maxing retirement accounts?]
Replies: 24
Views: 1965

Re: What's next?

Taxable investing account.
by Compound
Sun Jan 05, 2020 7:42 am
Forum: Non-US Investing
Topic: Is China necessary as part of portfolio?
Replies: 3
Views: 498

Re: Is China necessary as part of portfolio?

Chinese companies will be included in emerging markets funds; if desired, you could get exposure for much cheaper than what you have listed.