Search found 189 matches

by Wings5
Thu Feb 25, 2021 4:07 am
Forum: Personal Investments
Topic: Selling RSU's - Commission?
Replies: 8
Views: 732

Re: Selling RSU's - Commission?

Thanks everyone. It’s the little things that make the forum so helpful.

Cheers!
by Wings5
Wed Feb 24, 2021 7:36 pm
Forum: Personal Investments
Topic: Selling RSU's - Commission?
Replies: 8
Views: 732

Selling RSU's - Commission?

Hello Everyone, What's a normal commission rate to sell vested RSUs? Just received my first vesting of company shares through Fidelity, and there's a $33 commission to sell. It's about 1% of the shares. In subsequent years the share volume may go up, so I'm wondering if that commission will increase...
by Wings5
Mon Feb 01, 2021 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone still file fed taxes by mail? Why?
Replies: 104
Views: 6600

Re: Does anyone still file fed taxes by mail? Why?

Free Fillable Forms wasn’t able to accept all the data I needed to enter. I had make-up 401k contributions that are protected under USERRA.
by Wings5
Sat Jan 23, 2021 4:07 am
Forum: Investing - Theory, News & General
Topic: favorite investing books??
Replies: 30
Views: 1846

Re: favorite investing books??

life in slices wrote: Fri Jan 22, 2021 12:20 pm My most recent favorite read was Morgan Housel’s “The psychology of money”
Another vote for Housel's book. It's very interesting and helps lay the mental foundation necessary to stay the course.
by Wings5
Sat Jan 09, 2021 1:26 pm
Forum: Investing - Theory, News & General
Topic: Do you have FOMO (Bitcoin, TSLA, whatever?)
Replies: 201
Views: 12699

Re: Do you have FOMO (Bitcoin, TSLA, whatever?)

I started with my current employer about 6 months after graduating college. There were several people in their sixties who held a substantial amount of company stock, but it had dropped significantly in value. I was young enough that it would not have hurt me to take a chance on it through our ESPP....
by Wings5
Thu Jan 07, 2021 7:08 am
Forum: Investing - Theory, News & General
Topic: Tesla becomes most valuable car company in the world
Replies: 385
Views: 35634

Re: Tesla becomes most valuable car company in the world

This looks similar to Cisco. At its current growth rate, Tesla would be larger than the entire U.S. economy by around the summer of 2027.
by Wings5
Thu Dec 31, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4973
Views: 1314805

Re: What Book Are You Currently Reading? Part VI

Just finished Tribe: On Homecoming and Belonging , by Sebastian Junger. I actually listened to it on Audible, and it’s an interesting discussion about unity and loyalty within groups. He discusses the psychological benefits of being part of a group and feeling a sense of belonging. There are several...
by Wings5
Thu Dec 24, 2020 11:08 am
Forum: Personal Investments
Topic: Portfolio Review - This Looks Boring
Replies: 6
Views: 962

Re: Portfolio Review - This Looks Boring

Thanks for the critiques everyone. We’re going to: -Pay off the car loan -Switch to VTSAX in the Roth IRAs, and move bond allocation to VBTLX in traditional 401k. -Be thankful Duckie, thanks for the AA layout. I made a few small tweaks but that was very helpful. Much appreciated!     2. I’m a bit co...
by Wings5
Mon Dec 21, 2020 7:09 am
Forum: Personal Finance (Not Investing)
Topic: What is the Worst Financial Decision/Mistake You Have Made?
Replies: 230
Views: 18358

Re: What is the Worst Financial Decision/Mistake You Have Made?

Here are a few: -Signed a lease for a nice car right out of college. $3,000 down and $225/month, with about 12,000 miles a year. Went way over, had to buy it. A used Honda Civic would have been a much better choice. -Graduated college with minimum student debt relative to my salary. Got talked into ...
by Wings5
Mon Dec 21, 2020 4:43 am
Forum: Personal Investments
Topic: Portfolio Review - This Looks Boring
Replies: 6
Views: 962

Portfolio Review - This Looks Boring

Hello We found Bogleheads a few years ago, and we’re thankful to the forum for helping us get our house in order. Our IPS calls for rebalancing here shortly and we’d appreciate your thoughts prior to adjusting. It seems we may have hit the boring stage, which might be a good thing. The portfolio and...
by Wings5
Sat Dec 05, 2020 2:41 am
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney for Spouse at Refi
Replies: 10
Views: 738

Re: Power of Attorney for Spouse at Refi

Bill2020 wrote: Fri Dec 04, 2020 4:21 pm Ask the lender if you can Docusign everything.
I'm assuming you've done that. Does that process involve any visit to the title company?
by Wings5
Fri Dec 04, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney for Spouse at Refi
Replies: 10
Views: 738

Re: Power of Attorney for Spouse at Refi

Thanks everyone! This is such a great forum.
by Wings5
Fri Dec 04, 2020 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney for Spouse at Refi
Replies: 10
Views: 738

Power of Attorney for Spouse at Refi

DW and I are planning to close on a refinance, but I will be out of the country during the closing. I'm the only one on the loan and we're both on the title (we're in Texas). We're planning to get a power of attorney for her to close on the refi. I looked around but didn't find much about it. Is thi...
by Wings5
Mon Nov 23, 2020 9:50 pm
Forum: Investing - Theory, News & General
Topic: If you roll your own financial analysis tools, what do you use?
Replies: 56
Views: 3588

Re: If you roll your own financial analysis tools, what do you use?

Google Sheets. Pretty basic.

I’m curious: What’s the point of all the simplicity if you’re method of tracking is rather complicated?
by Wings5
Mon Nov 02, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Else Feel Broke Trying to Maintain a High Savings Rate?
Replies: 114
Views: 11850

Re: Anyone Else Feel Broke Trying to Maintain a High Savings Rate?

If it’s stressing you out maybe you should adjust. Is there something dogmatic about 30% for you? Would 25% help you sleep better? 30%*$65,000=$19,500 - does it look familiar? Now that you point it out, yes. But again, if a somewhat random number put forth by the IRS is causing someone to stress, t...
by Wings5
Mon Nov 02, 2020 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Would a $1MM inheritance change your retirement plans?
Replies: 113
Views: 10225

Re: Would a $1MM inheritance change your retirement plans?

No. We’ve had conversations about it, but it would only be gravy. If anything it might turn into some large donations.
by Wings5
Mon Nov 02, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4973
Views: 1314805

Re: What Book Are You Currently Reading? Part VI

A Walk in the Woods by Bill Bryson....his account of hiking the Appalachian Trail. ... I recommend it. Good fun. I recently gifted a copy of his other book, One Summer, to a friend. It’s an entertaining account of the summer of 1927 in America. Many of his books are enjoyable reads. Thanks for the ...
by Wings5
Mon Nov 02, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Else Feel Broke Trying to Maintain a High Savings Rate?
Replies: 114
Views: 11850

Re: Anyone Else Feel Broke Trying to Maintain a High Savings Rate?

If it’s stressing you out maybe you should adjust. Is there something dogmatic about 30% for you? Would 25% help you sleep better?
by Wings5
Fri Oct 30, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4973
Views: 1314805

Re: What Book Are You Currently Reading? Part VI

protagonist wrote: Sat Oct 17, 2020 10:44 am A Walk in the Woods by Bill Bryson....his account of hiking the Appalachian Trail.
...
I recommend it. Good fun.
I recently gifted a copy of his other book, One Summer, to a friend. It’s an entertaining account of the summer of 1927 in America. Many of his books are enjoyable reads.
by Wings5
Fri Oct 16, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Which podcasts helped during the crisis?
Replies: 26
Views: 2349

Re: Which podcasts helped during the crisis?

The White Coat Investor
by Wings5
Wed Oct 07, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Relocation - DFW considerations
Replies: 51
Views: 3909

Re: Relocation - DFW considerations

What is there to do? DFW is the 4th largest metro area in the US, after NYC, LA, and Chicago; I've been to the other 3 and could give you endless lists of things to do. It looks like Fort Worth is on the boring corner of DFW. Lived here all my life and I can’t remember the last time I saw a gun rac...
by Wings5
Tue Sep 29, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 91
Views: 6921

Re: DIY life style. Typical Boglehead?

We know what we know, and we know what we don't know.

We're happy to DIY on plenty, and we're happy to pay for other things. Really just depends.
by Wings5
Tue Sep 29, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: What did your accounts look like in your 30's?
Replies: 89
Views: 8159

Re: What did your accounts look like in your 30's?

Spent my early 30s staring at my accounts somewhat frequently. A few years later the accounts provide some peace of mind, but I wish I'd spent more time outside with the kids earlier on. We spend less than average for our income and invest more than average. I wouldn't get too wrapped up in dollar a...
by Wings5
Mon Sep 14, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Books or Courses on leadership that helped your career
Replies: 51
Views: 2743

Re: Books or Courses on leadership that helped your career

I’ve found that focusing on followership has been valuable.

We spend most of our lives as followers, but focus heavily on leadership. If you want to lead, learning how and why you follow others can be just as insightful.
by Wings5
Sun Sep 13, 2020 6:37 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 8786

Re: What % of income to spend on car?

I like to be comfortable, but a $40,000 car isn't 3x more comfortable than my used Corolla. The right 40k car certainly is. I’m chuckling and not trying to quibble, but what kind? I can think of a car that’s three times more comfy than a Corolla. They’re both air conditioned, keep the rain out, hav...
by Wings5
Sun Sep 13, 2020 6:33 am
Forum: Personal Consumer Issues
Topic: Saving on flight schools!
Replies: 20
Views: 2047

Re: Saving on flight schools!

Military pilot here. I earned a few civilian ratings prior to commissioning. Chairfly, chairfly, chairfly! This is the easiest way to save money and maximize your flight training. If you can't walk through a procedure on the ground sitting in a chair, it will be difficult, expensive, and frustratin...
by Wings5
Sun Sep 13, 2020 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708232

Re: Refinance Mega Thread

LenderFI would not entertain a second application after we backed out in April.
by Wings5
Wed Sep 09, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: Saving on flight schools!
Replies: 20
Views: 2047

Re: Saving on flight schools!

Military pilot here. I earned a few civilian ratings prior to commissioning. Chairfly, chairfly, chairfly! This is the easiest way to save money and maximize your flight training. If you can't walk through a procedure on the ground sitting in a chair, it will be difficult, expensive, and frustrating...
by Wings5
Wed Sep 09, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 8786

Re: What % of income to spend on car?

They all get you from point A to point B, with a few overpriced accouterments available. I try to spend as little as possible. Safe and boring driving.

I like to be comfortable, but a $40,000 car isn't 3x more comfortable than my used Corolla.
by Wings5
Fri Sep 04, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708232

Re: Refinance Mega Thread

Location: TX Current: 400k remaining on 30 year fixed at 3.25% - 29.5 years left LTV: 77% Better 20 year fixed 2.5% (A + B + C + E = $6800) Better 30 year fixed 2.75% (A + B + C + E = $6900) Each has a fair amount of points (~$3k) Is this par for the course? I can go into Better and change my rate &...
by Wings5
Fri Sep 04, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10047
Views: 708232

Re: Refinance Mega Thread

Has anyone who used Better.com for a refi been able to close in 3-4 weeks from applying and signing an intent to proceed? Did you have any hassle if you chose your own title company? We just refinanced with NBKC this summer and we're looking at refinancing again. Better.com shows possible closing da...
by Wings5
Wed Jul 15, 2020 12:21 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage your taxes?
Replies: 65
Views: 4778

Re: How do you manage your taxes?

Our income can be very irregular since we work multiple jobs with bonuses and overtime. I start paying attention halfway through the year and plan out my best estimate on what we're making and where our taxes are. Generally speaking, I try to overpay slightly and use this as a savings fund. When the...
by Wings5
Wed Jul 15, 2020 12:16 am
Forum: Personal Consumer Issues
Topic: Book recommendations on leadership and management
Replies: 18
Views: 1490

Re: Book recommendations on leadership and management

I enjoy the Harvard Business Review publications. We get the magazine for free through the library, and we own several of their Must Read books. I'm not sure what you mean by the political sphere, but James Mattis' new book is excellent from a strategic standpoint. Emotional intelligence should be t...
by Wings5
Wed Jul 15, 2020 12:06 am
Forum: Personal Consumer Issues
Topic: Coffee bean grinder
Replies: 65
Views: 4092

Re: Coffee bean grinder

+1 for the burr grinder right out of the gate. You may save like $8 by getting the blade grinder, then then you'll have a sunk cost and not want to spend $50 worth on two grinders.
by Wings5
Tue Jul 14, 2020 11:54 pm
Forum: Personal Consumer Issues
Topic: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)
Replies: 38
Views: 2737

Re: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)

bikesandbeers wrote: Tue Jul 14, 2020 9:52 pm We have dual flush Kholers, 1.6 for a full flush, 1.1 on the liquids only flush. Never had a probelm with them.
Same here in our family. We actually had the old 3.5 gpf toilets. The new one has been fantastic and it should pay for itself in 10 months with the reduced water bill.
by Wings5
Sun Jun 28, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Make a Contribution to 2021 IRA Now
Replies: 6
Views: 948

Re: Can I Make a Contribution to 2021 IRA Now

That has been there for a while. I want to say I even saw it in 2019 for 2020.
by Wings5
Fri Jun 19, 2020 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 99
Views: 14007

Re: Where do you keep your emergency fund?

We've been keeping about 9 months in a CU checking account that earns 4% interest on the entire balance, provided we make 15 debit card transactions each month. We only use the card for those transactions, and parcel out things that we're buying already. Since we're in the 22% bracket, that's a 3.78...
by Wings5
Wed May 20, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: At 30, what are some key financial milestones I should have hit?
Replies: 51
Views: 4684

Re: At 30, what are some key financial milestones I should have hit?

I won’t get specific because things happen to everyone at different ages, and there will be hundreds of others chiming in anyway.

Simply recognizing the importance of personal finance is probably the biggest milestone and you’ve already made it. Nice job!
by Wings5
Sun May 17, 2020 1:09 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 48037

Re: College in fall

For what some people spend you could have a paid for degree, then check the “experience” box with one heck of a gap year bender.
by Wings5
Sat May 09, 2020 11:27 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 258
Views: 22774

Re: What are you doing for haircuts due to coronavirus shutdown?

Cosmic Pony wrote: Sat May 09, 2020 10:28 pm They are taking the risk of losing state licensing very seriously. The barber said he got an anonymous phone call asking if he was doing haircuts and he was suspicious it was someone trying to bust him. Strange times.
Never realized that barbers were licensed and regulated. That's interesting.
by Wings5
Thu May 07, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178602

Re: What frugal thing did you do today?

Interesting looking at the previous poster’s name.

I bought Trader Joe’s Hefeweizen and summer beers. Saved $8 over what I would’ve paid for premium craft.
by Wings5
Thu Apr 16, 2020 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refi Appraisal Came Back Low - Options?
Replies: 13
Views: 1211

Re: Refi Appraisal Came Back Low - Options?

We were able to get a 3.25% 30 year, no cost refi with no appraisal. I'm trying to think like a Boglehead - keep it simple, and that's good enough.
by Wings5
Thu Apr 16, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refi Appraisal Came Back Low - Options?
Replies: 13
Views: 1211

Re: Refi Appraisal Came Back Low - Options?

Give yourself options Shop around for a new lender, try to get that rate lock or better. If you get that, then start the process with that lender... I missed an offer for a no appraisal refi with a higher rate. Currently shopping around and one loan officer says the appraisal waiver comes after I a...
by Wings5
Wed Apr 15, 2020 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refi Appraisal Came Back Low - Options?
Replies: 13
Views: 1211

Re: Refi Appraisal Came Back Low - Options?

It would be about $30k; we’d rather keep extra cushion on on hand at least for a few months. Hence my option to pay it down within 12-24 months, so we’d likely only pay PMI for that long.
by Wings5
Wed Apr 15, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refi Appraisal Came Back Low - Options?
Replies: 13
Views: 1211

Re: Refi Appraisal Came Back Low - Options?

Thanks! We are stuck with this appraisal with this lender, but I’m assuming switching lenders we could use a new one and wouldn’t be locked into the old appraisal? Edit to add the rate is locked at 2.875 and won’t change due to low appraisal, it just adds PMI. Maybe that’s what you meant by higher r...
by Wings5
Wed Apr 15, 2020 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refi Appraisal Came Back Low - Options?
Replies: 13
Views: 1211

Refi Appraisal Came Back Low - Options?

We purchased a new-to-us home last year for $516,000 on a 30 year at 80% LTV. We've paid it down to 77% and started a refinance to a 20 year @ 2.875% a few weeks ago. The appraisal just came back at $460,000 which means we'd have to pay PMI; the new numbers work out to about 87% LTV. The tax rolls a...
by Wings5
Tue Apr 14, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: Your Investment Adviser’s Dirty Secret
Replies: 77
Views: 10230

Re: Your Investment Adviser’s Dirty Secret

JBTX wrote: Sat Apr 11, 2020 10:24 pm
Wings5 wrote: Sun Apr 05, 2020 6:58 pm Glad to read that, Rick. Very well-said and to the point. Hopefully more than a few folks find it up there in Collin County!
Collin County?
The linked magazine is Living Well: Collin County edition.
by Wings5
Sun Apr 05, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: Your Investment Adviser’s Dirty Secret
Replies: 77
Views: 10230

Re: Your Investment Adviser’s Dirty Secret

Glad to read that, Rick. Very well-said and to the point. Hopefully more than a few folks find it up there in Collin County!
by Wings5
Sun Apr 05, 2020 3:19 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 1014
Views: 182532

Re: Boglehead Beer

Lately it’s been Karbach here in DFW. Trader Joe’s Hefeweizen is solid for a decent price.

For anyone in the Fort Worth area, Rahr has $6 six-packs and $20 cases right now at a drive up. You can mix and match 4 sixers, but limit is one case per day. I stocked up recently.