Search found 586 matches

by Soon2BXProgrammer
Thu Jan 03, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution
Replies: 10
Views: 683

Re: HSA Contribution

that is a no no. unless your next plan is also a HDHP. you have to contribute based on the number of months you are under an HDHP. There is some rules that i dont' remember about how to calculate if you get the month or not. furthermore, if the employer made a 1 time contribution and you then are co...
by Soon2BXProgrammer
Thu Jan 03, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 159
Views: 7751

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

Nope. Never do that. I usually invest it on the first big drop of the year that goes below the 12/31 value. There are very few years when the stock market doesn't go below the 12/31 value, so my investment that year almost always outperforms the total return for the year. I didn't mean to do this.....
by Soon2BXProgrammer
Mon Dec 31, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: How urgent is my Mom’s single-stock investment? (Sysco)
Replies: 35
Views: 1589

Re: How urgent is my Mom’s single-stock investment? (Cisco Systems)

at minimum, you should turn off dividend re-investment, if you havent already. https://www.nasdaq.com/symbol/csco/dividend-history furthermore, if you have been reinvesting dividends, you could sell all the shares bought over the last few years, as well, and they wouldn't have as bad as a gain. Thi...
by Soon2BXProgrammer
Mon Dec 31, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: How urgent is my Mom’s single-stock investment? (Sysco)
Replies: 35
Views: 1589

Re: How urgent is my Mom’s single-stock investment? (Cisco Systems)

at minimum, you should turn off dividend re-investment, if you havent already. https://www.nasdaq.com/symbol/csco/dividend-history furthermore, if you have been reinvesting dividends, you could sell all the shares bought over the last few years, as well, and they wouldn't have as bad as a gain. over...
by Soon2BXProgrammer
Sun Dec 30, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 1642

Re: Router with VPN - experiences?

I have a RT-AC86U with https://asuswrt.lostrealm.ca/ installed.

It has a ton of options in the VPN department. I don't use it for the VPN. but its on my list to explore. ( i wanted it for other reasons).
by Soon2BXProgrammer
Fri Dec 28, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with HSA
Replies: 1
Views: 279

Re: what to do with HSA

if you already have fidelity, it probably makes sense for an independent account at fidelity which is free.
the other provider that is good/free is livelyme
by Soon2BXProgrammer
Fri Dec 28, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Better to have Bonus paid Before or After New Year, when applying for a mortgage?
Replies: 6
Views: 288

Re: Better to have Bonus paid Before or After New Year, when applying for a mortgage?

most mortgage companies, want to ignore bonuses for the purposes of qualifying people, this is unless, a very large percentage of your income is variable income based on commission. (but the commission rules are in your employment contract, and not at the will of the employer).. and then if thats th...
by Soon2BXProgrammer
Fri Dec 28, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: I'm out, should I jump right back in?
Replies: 26
Views: 3457

Re: I'm out, should I jump right back in?

I'm out due to a 401K rollover that is still rolling. Money is moved to retirement IRA, just waiting on check to clear. We're both 62 and the $375K is money we don't need to survive. Any reason, other than government shutdown, possible impeachment, possible indictments, tremendous volatility, and a...
by Soon2BXProgrammer
Fri Dec 28, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5606

Re: Shoes to wear with jeans to the office?

Since my 15inch extratuf are normally "too much" boot for the office.. i like to wear:

https://www.xtratuf.com/collections/men ... colate-tan

or if i'm really trying to dress up my jeans.. and want a leather shoe:

https://www.georgiaboot.com/romeos/
by Soon2BXProgrammer
Thu Dec 27, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: AT&T Landline - what's considered "Long Distance"
Replies: 22
Views: 1286

Re: AT&T Landline - what's considered "Long Distance"

Another vote for Ooma. Long distance can be quite variable, I recall reading about someone posting that a phone call accross the street was long distance. I think you can check your local calling area here https://www.usa.att.com/localcallingarea/index.jsp Excellent - thank you - just hated the tho...
by Soon2BXProgrammer
Wed Dec 26, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: AT&T Landline - what's considered "Long Distance"
Replies: 22
Views: 1286

Re: AT&T Landline - what's considered "Long Distance"

if you have internet, switch to a obihai device with google voice. total cost is either 0 or about $20 a year if you want 911 service. pay to port your number if it is important. (i had to port to a prepaid cell phone. i used att go. which then converts the number to a cell number, then you can port...
by Soon2BXProgrammer
Wed Dec 26, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3420

Re: Bookshelf speakers under $300

Yes, that's why I'm considering the def tech studio monitor 55 speakers. Their range is 30-30,000 hz, so I probably wouldn't need a sub. https://www.audioholics.com/home-theater-calibration/a-v-receiver-setup-crossover-distance-level-eq Your crossover should be set no lower than the lowest manufact...
by Soon2BXProgrammer
Wed Dec 26, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3420

Re: Bookshelf speakers under $300

not that i like thumping bass, but by using a subwoofer, you can set the crossover appropriately for your speakers/music, and channel the harder to replicate bass tones to the sub, and leave the higher tones in the speakers that are better designed to handle them. Just something to think about it D...
by Soon2BXProgrammer
Wed Dec 26, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3420

Re: Bookshelf speakers under $300

not that i like thumping bass, but by using a subwoofer, you can set the crossover appropriately for your speakers/music, and channel the harder to replicate bass tones to the sub, and leave the higher tones in the speakers that are better designed to handle them.

Just something to think about it
by Soon2BXProgrammer
Mon Dec 24, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Equities % v. Total Assets at Risk
Replies: 29
Views: 2822

Re: Are you a true believer?

For those who wonder why this is important, it is because using a single metric like equity exposure does not provide an accurate picture of the risk being undertaken and sends the wrong message to newer members of the board. I will illustrate but please help out if I made any math errors. Using th...
by Soon2BXProgrammer
Sun Dec 23, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Home Heating Advice
Replies: 72
Views: 5696

Re: Home Heating Advice

if possible insulate well and use a heat pump, with potentially propane emergency heat.

propane is expensive in comparison to natural gas. (atleast my experience)
by Soon2BXProgrammer
Sun Dec 23, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Cox Cable -- Should I Switch to Verizon?
Replies: 25
Views: 1313

Re: Cox Cable -- Should I Switch to Verizon?

Pretty sure the HOA does not allow outdoor antenna though satellite dishes are allowed. Regardless of what the HOA says is allowed.. they don't have a leg to stand on. My understanding per FCC rules, you are allowed an antenna, and its not a waiver-able thing. see this post in particular, but read ...
by Soon2BXProgrammer
Sun Dec 23, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: Equities % v. Total Assets at Risk
Replies: 29
Views: 2822

Re: Are you a true believer?

Why not use the wage index like Social Security does when calculating a person's PIA? my assumption is if your a "young" person, that would work.. However if you have earnings from before 1981, the wage dividing by the old wage base and multiplying by the current base, isn't exact with inflation. I...
by Soon2BXProgrammer
Sun Dec 23, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Cox Cable -- Should I Switch to Verizon?
Replies: 25
Views: 1313

Re: Cox Cable -- Should I Switch to Verizon?

I have been looking at streaming TV. I will say it is not as simple as some people make out. Sure, you can get lots of channels. However, if that doesn't include one or more that you want, is it a bargain? YoutubeTV, in particular, has huge holes in its lineup. Sling seems to not really include loc...
by Soon2BXProgrammer
Sun Dec 23, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Why Vanguard Total World instead of VTI and VXUS.
Replies: 10
Views: 871

Re: Why Vanguard Total World instead of VTI and VXUS.

it gives me a lot more tax loss harvesting opportunities having two funds.. if i buy in the market proportion, the market will actually keep them in proportion, so it isn't like it causes me more work.. other then i get to TLH
by Soon2BXProgrammer
Sun Dec 23, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Cox Cable -- Should I Switch to Verizon?
Replies: 25
Views: 1313

Re: Cox Cable -- Should I Switch to Verizon?

I have been looking at streaming TV. I will say it is not as simple as some people make out. Sure, you can get lots of channels. However, if that doesn't include one or more that you want, is it a bargain? YoutubeTV, in particular, has huge holes in its lineup. Sling seems to not really include loc...
by Soon2BXProgrammer
Sun Dec 23, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Equities % v. Total Assets at Risk
Replies: 29
Views: 2822

Re: Are you a true believer?

*Lifetime Earnings Adjusted for Inflation - Earned income (non investment) throughout our life adjusted to today's dollars and summed. Soon2BX - As an already XProgrammer, can you share how you calculated the "today's dollar" adjustments? I have my earnings history - 1966 through 2014. Thanks I use...
by Soon2BXProgrammer
Sun Dec 23, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Equities % v. Total Assets at Risk
Replies: 29
Views: 2822

Re: Are you a true believer?

My wife and I have had 2.1M of Lifetime Earnings Adjusted for Inflation*. our Current Networth is 1.5M, of that almost 1M is in Equities. (the other 500k represents housing, cash, bonds, etc) What does that say? If you back out inflation, we have more then half of every dollar *earned* in our life i...
by Soon2BXProgrammer
Sun Dec 23, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Just another noob worrying about the crash
Replies: 32
Views: 3696

Re: Just another noob worrying about the crash

My stocks consist of S&P 500 (£250k), World (£580k) and specifically Amazon (£1m). I know single stock isn't the Boglehead-way, it's just something I feel strongly about, as I know the company quite well. (I know I'll be attacked for having the £1m in Amazon.) Not attacking. Just trying to understa...
by Soon2BXProgrammer
Sun Dec 23, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 8017

Re: TIPS yield curve inverted at short end

dumb question. is the pressure up on the 1 year tips, basically because you can beat that rate of interest in a lot of other short term nominal interest instruments? Basically because we can guess what the expected inflation is over the next year. roughly plus or minus that is.. within the margin of...
by Soon2BXProgrammer
Sat Dec 22, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: 401k artificially inflating net worth?
Replies: 88
Views: 4825

Re: 401k artificially inflating net worth?

You just a few posts ago brought up ONE guy with 1M in taxable and 1M in a 401k..... That's quite different than the first post you made in this one, yes? The original point I made was that $1 in 401k is worth less than $1 free and clear of taxes. The person A and person B was just an example to il...
by Soon2BXProgrammer
Sat Dec 22, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: 401k artificially inflating net worth?
Replies: 88
Views: 4825

Re: 401k artificially inflating net worth?

$1 in 401k is worth less than $1 free and clear of taxes. and i stand by that. actually i think it depends on your withdrawal strategy. if one plans to withdrawal little each year over a long period, and they also have taxable and roth dollars. they might be able to take 24k a year out of the 401k ...
by Soon2BXProgrammer
Sat Dec 22, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: 401k artificially inflating net worth?
Replies: 88
Views: 4825

Re: 401k artificially inflating net worth?

The guy with the 1M in cash is clearly better off at that moment in time as he has 0 tax liability and has no strings with that money. The guy with the 1M in the 401k has restrictions with the money and tax liability. Both of those guys, as they are measuring and tracking their progress, should ref...
by Soon2BXProgrammer
Sat Dec 22, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Boeing-time to buy?
Replies: 26
Views: 2243

Re: Boeing-time to buy?

when it goes from 304 a share to 200 a share.. can you stomach to hold it? when GE went from 60 (in 2000) to 20ish (in 2003), things looked good... for a while.. but that dead cat bounced TWICE. see: https://finance.yahoo.com/chart/GE#eyJpbnRlcnZhbCI6IndlZWsiLCJwZXJpb2RpY2l0eSI6MSwiY2FuZGxlV2lkdGgiO...
by Soon2BXProgrammer
Sat Dec 22, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: $1 in 401k vs $1 in savings account - which would you take?
Replies: 46
Views: 1528

Re: $1 in 401k vs $1 in savings account - which would you take?

i would pick 1. if i'm in the 0% tax bracket, i wouldn't save in a pretax 401k/ira... if roth was an option i'd do that.. but if it wasn't. i would do a plain old taxable brokerage account. now.. if i was in any tax bracket other then 0%. the decisions are harder. it would be 900k in taxable or 1M i...
by Soon2BXProgrammer
Sat Dec 22, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Predictions
Replies: 9
Views: 610

Re: Market Predictions

Hint: The answer is in every BH's IPS no... i don't mean simple rebalancing.. i mean.. "to hell with having any bonds, this is a buy of a lifetime", i'm going all in. (not that i'm suggesting one actually does this..) I think staycalm has it right. I know that my answer is in my IPS. It specifies t...
by Soon2BXProgrammer
Sat Dec 22, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Predictions
Replies: 9
Views: 610

Re: Market Predictions

5% to 10% further drop on psychology alone - additional 20% to 30% if earnings tank/recession starts. S&P Bottom: ~1700 If fundamentals hold up: ~2125 what i want to know is.. who has balls of steel and is going to sell and reduce their bond allocation and buy stocks? what will their strategy be? h...
by Soon2BXProgrammer
Sat Dec 22, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11874

Re: All the "should I be 100% stocks" threads over the last year.

well.. i thought about asking.. when should i dump my bond allocation, and go all in? how should i move all in? all at once? some part of my bonds every drop? etc
by Soon2BXProgrammer
Sat Dec 22, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Predictions
Replies: 9
Views: 610

Re: Market Predictions

5% to 10% further drop on psychology alone - additional 20% to 30% if earnings tank/recession starts. S&P Bottom: ~1700 If fundamentals hold up: ~2125 what i want to know is.. who has balls of steel and is going to sell and reduce their bond allocation and buy stocks? what will their strategy be? h...
by Soon2BXProgrammer
Sat Dec 22, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Is The Federal Reserve Necessary
Replies: 14
Views: 588

Re: Is The Federal Reserve Necessary

also, be warned there are two things going on currently. Main Street: economy is doing decent, and inflation is starting to poke its ugly head. the fed had the mandate of both price stability and sustainable full employment. employment: https://www.bls.gov/news.release/empsit.nr0.htm inflation: http...
by Soon2BXProgrammer
Sat Dec 22, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: How market timing will go wrong?
Replies: 62
Views: 3895

Re: How market timing will go wrong?

Hi, I want to adhere to the BH philosophy of staying the course and not trying to time the market. I currently maintain a Three-Fund Portfolio in 401k. But for my understanding and education, I'd like to ask something. What will go wrong with, or what are the flaws with, or why the following is a b...
by Soon2BXProgrammer
Fri Dec 21, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: As market down like this, contribute aft-tax 401k instead of before-tax
Replies: 12
Views: 1325

Re: As market down like this, contribute aft-tax 401k instead of before-tax

meh.. i do a mega backdoor roth of all funds between the pretax cap + employer contribution and the 55k cap. i see no good reason to not take the deduction on the pretax money. with so many roth assets, (roth represents half of my assets), there is no reason for me to not continue to take the deduct...
by Soon2BXProgrammer
Fri Dec 21, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Bear Market - Mindset Expectations
Replies: 61
Views: 6170

Re: Bear Market - Mindset Expectations

The Dow Jones is down ~16% from its all time highs & the Nasdaq hit intraday bear market territory today. Many would agree, we are in the very beginning of a Bear Market. How long it will last & how far down it will go is anyone's guess? I do not have plans to change my asset allocation or stray of...
by Soon2BXProgrammer
Fri Dec 21, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need cash, where do I get it from
Replies: 5
Views: 645

Re: Need cash, where do I get it from

If you need the money, take the RMD. if you don't, you could have more tax liability. you would have the gains from the taxable account, and the RMD. if you just take the RMD. you only have that to report. that being said if you plan to do charitible giving, make sure you work through doing any qual...
by Soon2BXProgrammer
Fri Dec 21, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: How does after-tax 401(k) work with company match if maxed out early
Replies: 4
Views: 241

Re: How does after-tax 401(k) work with company match if maxed out early

401(k) has two contribution limits. The first is the employee contribution limit which will be $19,000 in 2019 plus $6,000 for over age 60. The second is the total contribution limit including a company match ($55,000?). My understanding is that any employee contribution beyond $19,000 will go into...
by Soon2BXProgrammer
Thu Dec 20, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Lively has caved on HSA fees
Replies: 16
Views: 1245

Re: Lively has caved on HSA fees

i wonder how big was the sucking sound, of the dollars leaving their platform.. since fidelity launched. i am sure they got a huge bump from being the lowest cost investment platform, and then when they lost that claim, instead of inflows, they probably had net outflows. the concern i have is "we wi...
by Soon2BXProgrammer
Thu Dec 20, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Will you contribute all $6,000 to IRA in Jan or DCA?
Replies: 32
Views: 1960

Re: Will you contribute all $6,000 to IRA in Jan or DCA?

i have the cash available.. i also in theory i probably need to rebalance and i have an asset location strategy. (each account holds one position). Therefore, shortly after the beginning on the year. i'll make both my, and my wifes contributions to our IRAs, and rebalance at the same time, if needed...
by Soon2BXProgrammer
Tue Dec 18, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Non-budgeters: How do you handle large purchases?
Replies: 47
Views: 3543

Re: Non-budgeters: How do you handle large purchases?

I have a very large cash balance, (emergency fund on steroids).. I just pay for large purchases when they happen.. and then over the next while I replenish that fund.
by Soon2BXProgrammer
Tue Dec 18, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 182
Views: 17078

Re: Mr. Money Mustache, SWR, and equity allocation

What I don't want to happen is to quit my job at age 40, throw everything into stock funds, draw 5% a year and assume I'll be okay. But isn't that essentially what MMM says? I'm a MMM fan. but I plan to quit at 35 (hopefully). draw 4% or less from my portfolio, but also do what he recommends. creat...
by Soon2BXProgrammer
Mon Dec 17, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: So...do I keep buying more equities?
Replies: 49
Views: 5759

Re: So...do I keep buying more equities?

i buy whatever my portfolio is short on every two weeks like clockwork.
by Soon2BXProgrammer
Mon Dec 17, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Worx 20v battery leaf blower
Replies: 12
Views: 1023

Re: Worx 20v battery leaf blower

i have a Milwaukee m18 leaf blower, to go along with all of my other battery powered tools. so i have a lot of batteries to use.

i have a tendency to pick it up for light use, over my 2cycle one, unless i need to do a lot of blowing, then the backpack blower wins every time.
by Soon2BXProgrammer
Mon Dec 17, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 1980

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

Friend and I were looking at a parcel of land a few weeks ago when a neighbor walked over and said the land will most likely have naturally occurring asbestos. She said another plot of land that sold nearby had it and the owner had to mitigate the problem by bringing in a "a couple feet of soil", s...
by Soon2BXProgrammer
Mon Dec 17, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Military-Advice Needed
Replies: 13
Views: 1444

Re: Military-Advice Needed

not the suggestion you asked for.. but you should also over the last few years of your career, make sure you document with the medbay every ailment, pain, physical issue, etc... you need documentation to support your VA Disability claim that you will be filing. (Didn't know you where filing one? wel...
by Soon2BXProgrammer
Sun Dec 16, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 1980

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

Friend and I were looking at a parcel of land a few weeks ago when a neighbor walked over and said the land will most likely have naturally occurring asbestos. She said another plot of land that sold nearby had it and the owner had to mitigate the problem by bringing in a "a couple feet of soil", s...
by Soon2BXProgrammer
Sun Dec 16, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of pension income to save?
Replies: 2
Views: 359

Re: What percentage of pension income to save?

I have been happily retired for a year and a half now and not a day of regret. In fact, I wished I had retired a lot sooner. I finally decided to work out a monthly budget report so I can see how much I can spend per month. After figuring out all the necessary property and income taxes, all insuran...