Search found 377 matches

by Soon2BXProgrammer
Sat Feb 17, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Is Enterprise Architecture worth building career upon?
Replies: 3
Views: 126

Re: Is Enterprise Architecture worth building career upon?

some people at my megacorp really like EA... and others view it as purgatory. personally i'm more in the later category.

I did my year in EA. Now i'm back to delivery.
by Soon2BXProgrammer
Sun Feb 11, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Getting Rid of Comcast Modem
Replies: 21
Views: 1737

Re: Getting Rid of Comcast Modem

cancel your comcast phone service... and buy a normal docsis 3 cable modem then buy a obihai and use it with google voice phone number... https://www.amazon.com/OBi200-1-Port-Adapter-Support-Service/dp/B00BUV7C9A no monthly fee as it uses google voice. but there is a 15 dollar a year fee if you wan...
by Soon2BXProgrammer
Sat Feb 10, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Rid of Comcast Modem
Replies: 21
Views: 1737

Re: Getting Rid of Comcast Modem

cancel your comcast phone service... and buy a normal docsis 3 cable modem then buy a obihai and use it with google voice phone number... https://www.amazon.com/OBi200-1-Port-Adapter-Support-Service/dp/B00BUV7C9A no monthly fee as it uses google voice. but there is a 15 dollar a year fee if you want...
by Soon2BXProgrammer
Sat Feb 10, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody hit their rebalance bands?
Replies: 20
Views: 1176

Re: Anybody hit their rebalance bands?

I was surprised to see that I hadn't hit my rebalance bands for overall stock to bonds ratio after the last weeks' dips. I have them set at 5% and I only ended up around 2.5% today. I decided to rebalance anyways as it looked like a reasonable time to do so after a 10% correction. This may seem lik...
by Soon2BXProgrammer
Fri Feb 09, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody hit their rebalance bands?
Replies: 20
Views: 1176

Re: Anybody hit their rebalance bands?

I was surprised to see that I hadn't hit my rebalance bands for overall stock to bonds ratio after the last weeks' dips. I have them set at 5% and I only ended up around 2.5% today. I decided to rebalance anyways as it looked like a reasonable time to do so after a 10% correction. This may seem lik...
by Soon2BXProgrammer
Thu Feb 08, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Comcast Modem Part 2
Replies: 6
Views: 873

Re: Comcast Modem Part 2

You might consider going with something like OOMA and getting rid of the cable phone. Then you can buy a modem and get rid of the internet phone fee and the gateway rental fee. You would have to lay out the money for the Ooma system and the modem, but should end up in the Black in a year or so, dep...
by Soon2BXProgrammer
Thu Feb 08, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4074

Re: Who has had a pool?

forgot to add.. yes, if you don't have a salt water pool it is a lot of work... but i bought a salt water colorinator off amazon for about 150 dollars for my above ground pool.. and its magical. once setup is done. i don't have to do much the rest of the year as far as chemicals. Caution: convertin...
by Soon2BXProgrammer
Thu Feb 08, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4074

Re: Who has had a pool?

forgot to add.. yes, if you don't have a salt water pool it is a lot of work... but i bought a salt water colorinator off amazon for about 150 dollars for my above ground pool.. and its magical. once setup is done. i don't have to do much the rest of the year as far as chemicals.
by Soon2BXProgrammer
Thu Feb 08, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4074

Re: Who has had a pool?

we have an above ground pool from costco. put it up in the summer and take it down the rest of the year.

my kids love it. it is like 18x9 feet or so. yesterday, my 5 year old was playing outside and asked me if it was time to put it up yet.
by Soon2BXProgrammer
Mon Feb 05, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: to superfund or not to superfund a 529
Replies: 14
Views: 1482

Re: to superfund or not to superfund a 529

I am struggling with the same thing. Pay 15% capital gains now (24.3 since we live in california) to fund the 529 (and probably buy the same index funds) or just hold it where it is and pay the tax when needed. The simple part of me just says to fund the 529 with gift money and keep the superfundin...
by Soon2BXProgrammer
Sun Feb 04, 2018 7:40 am
Forum: Investing - Theory, News & General
Topic: Is this a form of Market Timing?
Replies: 36
Views: 2181

Re: Is this a form of Market Timing?

what happens if the market is never lower than today?
by Soon2BXProgrammer
Sat Feb 03, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you auto-purchase when DCA'ing?
Replies: 5
Views: 360

Re: How often do you auto-purchase when DCA'ing?

in all accounts except my "rebalance" account, i buy as the money shows up. because in all the other accounts there is just 1 asset class. in my rebalance account, as that 401k makes contributions, it is always to stable value (effectively bonds).. then once a month i calculate what i'm actually sho...
by Soon2BXProgrammer
Sat Feb 03, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: When diversification doesn’t work
Replies: 33
Views: 2589

Re: When diversification doesn’t work

JBTX wrote:
Sat Feb 03, 2018 9:09 pm
First of all I could care less if the market goes down 2% in a week.

But I do find it interesting that seemingly everything went down last week. Stocks. International stocks. Bonds. Commodities. Where did it all go, cash?
actually... it can just "disappear"...
by Soon2BXProgrammer
Sat Feb 03, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doing on 529 plan contributions?
Replies: 13
Views: 1137

Re: How am I doing on 529 plan contributions?

I am trying to figure out how much my target needs to be for my son's college education. We just have one kid who is 4 years old. I have been contributing about 10K per year depending on the year's bonus. So right now, the 529 balance on the Fidelity Delaware 529 plan is about $50K, as the market h...
by Soon2BXProgrammer
Sat Feb 03, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 2462

Re: Bank signup bonus 1099

It's 02/03 and I received the forms from BMO Harris and BBVA but did NOT receive it from Wells Fargo, Amboy, TD, and PNC. All were checking/saving account signup bonuses. We should've received 2 for some because my spouse and I both did them. Still conflicted whether I should put as "unearned incom...
by Soon2BXProgrammer
Fri Feb 02, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R for mega backdoor Roth Question box 2a incorrect?
Replies: 3
Views: 217

Re: 1099-R for mega backdoor Roth Question box 2a incorrect?

when i look at my 1099-R from my 401(k) account:
2a should be 0 or whatever the gains are between when you contributed and when it was distributed.
Then box 5 should be the amount you contributed.

i don't know anything about 401(a)'s so i can't comment.
by Soon2BXProgrammer
Sat Jan 27, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: rebalance based on pre or post tax values?
Replies: 9
Views: 564

Re: rebalance based on pre or post tax values?

personally, i don't, but only because i am hoping to pay less than 10% on average takes for pretax funds.... (some taxed at 0, etc).. Do you think all your funds will come out at 25%? or are some in lower brackets? one wiki article mentions it: https://www.bogleheads.org/wiki/Tax-efficient_fund_plac...
by Soon2BXProgrammer
Sat Jan 27, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: If you're really rich you're probably not an index-fundi Boglehead
Replies: 61
Views: 10898

Re: If you're really rich you're probably not an index-fundi Boglehead

average charts are hugely skewed.... i would argue that the average those show, mostly don't exist... or might reflect a really small percentage of the population.. have you ever looked at the "average filer metrics" for your tax bracket in turbo tax? those it has some whacky combinations... people ...
by Soon2BXProgrammer
Mon Jan 22, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Chevrolet Suburban - 1500 or 2500?
Replies: 26
Views: 1733

Re: Chevrolet Suburban - 1500 or 2500?

COME ON, MAN! This happens every time. I get a bunch of reasonable advice about getting the 1500 that I totally agree with and then someone comes in and tells me how awesome the 2500 is. And then I WANT the 2500. Now i'll probably scour craigslist for like three hours searching for the elusive 3/4 ...
by Soon2BXProgrammer
Mon Jan 22, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Chevrolet Suburban - 1500 or 2500?
Replies: 26
Views: 1733

Re: Chevrolet Suburban - 1500 or 2500?

I posted this on a truck forum but also thought I'd check out what bogleheads think. I'm looking at picking up a 2005 or 2006 Suburban and trying to decide between the 1/2 or 3/4 ton. More specifically, a 5.3L 1500 or a 6.0L 2500. The 1500 is exactly what I need but I don't want to deal with the Au...
by Soon2BXProgrammer
Sun Jan 21, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 31
Views: 1758

Re: Xfinity broadband: should I try to negotiate a better deal?

i've negotiated a better deal for the 11 years I've lived in my house. Almost never paid the list price... I was almost disconnected once, because i got to the retention department and they wouldn't give me a better price, so i told them to turn it off in about a week or so. They called me out of t...
by Soon2BXProgrammer
Sun Jan 21, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Help Late Early Accumulators Be Comfortable Right Now with (Bogle-appropriate) Aggressive AA
Replies: 30
Views: 1933

Re: Help Late Early Accumulators Be Comfortable Right Now with (Bogle-appropriate) Aggressive AA

Looking at the below S&P chart straight off Vanguard, could there literally be a worse year in history to have begun investing heavily for retirement? Only look at long time horizons in a log scale. anything else doesn't make sense.. if you look at (while it doesn't have recent data, i'm sure you c...
by Soon2BXProgrammer
Sun Jan 21, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Pull back on retirement saving to increase savings for kids' college?
Replies: 31
Views: 2429

Re: Pull back on retirement saving to increase savings for kids' college?

prioritize retirement savings now. when they are in college, assuming your working and have high income, save the absolute minimum to get any matches. use any college savings you where able to do.. cash flow the rest of college save for retirement anything left over ......... on the other hand.. if ...
by Soon2BXProgrammer
Sun Jan 21, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 31
Views: 1758

Re: Xfinity broadband: should I try to negotiate a better deal?

i've negotiated a better deal for the 11 years I've lived in my house. Almost never paid the list price... I was almost disconnected once, because i got to the retention department and they wouldn't give me a better price, so i told them to turn it off in about a week or so. They called me out of th...
by Soon2BXProgrammer
Sun Jan 14, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP help?
Replies: 12
Views: 919

Re: ESPP help?

Depending on the dollar amounts involved, and risk willing to take, and the benefit of potentially waiting. Some people sell immediately, some people sell once its LTCG. roll the dice and pick what makes sense for you.
by Soon2BXProgrammer
Sun Jan 07, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Why not Muni Money Market?
Replies: 41
Views: 3483

Re: Why not Muni Money Market?

If a 1% return represents a year of spending for you, then you have little to worry about... that's no what i meant... yes, it raw dollars its not a ton.. but its the portion of my NW i keep in cash like securities. i keep a year's worth of spending in cash. but.. for simplicity lets say its 100k 1...
by Soon2BXProgrammer
Sun Jan 07, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Why not Muni Money Market?
Replies: 41
Views: 3483

Re: Why not Muni Money Market?

BlueRidgePro wrote:
Sun Jan 07, 2018 10:27 am
Pretty small amount to worry about. Can't see why anyone would have MM accounts at today's rates. Online savings accounts pay more.
What online savings account yields more than 1.39 after taxes? (talking about muni fund)
by Soon2BXProgrammer
Sun Jan 07, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Why not Muni Money Market?
Replies: 41
Views: 3483

Re: Why not Muni Money Market?

If a 1% return represents a year of spending for you, then you have little to worry about... that's no what i meant... yes, it raw dollars its not a ton.. but its the portion of my NW i keep in cash like securities. i keep a year's worth of spending in cash. but.. for simplicity lets say its 100k 1...
by Soon2BXProgrammer
Sun Jan 07, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Why not Muni Money Market?
Replies: 41
Views: 3483

Re: Why not Muni Money Market?

Are the small differences really worth worrying about? How much $ difference in return are you talking about? not worried. but 1.38 or 1.39 beats what i get at ally/american express/etc for an online savings account. So the sum of money isn't small (for me its a year or more worth of spending).. an...
by Soon2BXProgrammer
Sun Jan 07, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Relocation Package - Pay 2 points for 3.5 30 year?
Replies: 14
Views: 932

Re: Relocation Package - Pay 2 points for 3.5 30 year?

I have the opportunity to pay 2 points on a 360k loan (7200) to move the interest rate from 3.75 to 3.5 on a 30 year conventional loan. I would be taxed on the 7200 but this seems like a no brainer. Anyone have any good reasons not to do this? Thanks! so your not paying the 7200? but you dont' get ...
by Soon2BXProgrammer
Sun Jan 07, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: So how would your $100k have fared since January 2008?
Replies: 8
Views: 1293

Re: So how would your $100k have fared since January 2008?

Mine as well of been 90/10 to be honest. The spread between 90/10 and 50/50 isn't exactly apples to oranges. this is why the trinity study could show that a lot of asset allocations work. and its only when you've maxed what your portfolio can generate does it fail. its more important to pick an ass...
by Soon2BXProgrammer
Sat Jan 06, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3333

Re: Best Tax Estimate Website for 2018?

I help my dad with his taxes and he would like to take as much of his IRA now without having to pay taxes. He's over 70.5 so there's no penalty. Normally, I can estimate the number pretty well but that was under the old law. Has anyone run across a good calculator for 2018 based on the new law? I s...
by Soon2BXProgrammer
Sat Jan 06, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Why not Muni Money Market?
Replies: 41
Views: 3483

Re: Why not Muni Money Market?

Are there are good resources for understanding VRDO's?
by Soon2BXProgrammer
Sat Jan 06, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7777

Re: How much are you putting in a 529?

My understanding is: the earnings on EE and I Bonds can be tax free if used for college expenses OR for contributing to 529. So once they enter college, I'll convert EE and I to 529 and pay from there There are income limits if one wishes to have those bonds tax-free for education. Personally, I th...
by Soon2BXProgrammer
Sat Jan 06, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: pension contributions in your overall asset allocation
Replies: 15
Views: 856

Re: pension contributions in your overall asset allocation

Thanks again for all the responses, running the numbers this morning this is what the AA looked like before and after including pension contributions: Before: (This is not factoring Pension Contribution's into the mix) Bonds 11% US Stocks 71% International 18% This is what it looked like if I added...
by Soon2BXProgrammer
Sat Jan 06, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7777

Re: How much are you putting in a 529?

I am *effectively* done funding their 529 account. they are approximately 80% of 4 years of in state tuition/room&board/food/etc. Once a year, when new prices come out for the flagship school in our state, i will compare the new cost to where our account is. I am treating it somewhat how a pension p...
by Soon2BXProgrammer
Fri Jan 05, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Why not Muni Money Market?
Replies: 41
Views: 3483

Re: Why not Muni Money Market?

The Tax exempt muni MM portfolio is almost 100% VRDO (variable rate deposit obligations) which are long term bonds from municipalities where the interest rate changes on a weekly or so basis and the holder has a put option to be able to sell the bond to an underwritir like a Bank or insurance compa...
by Soon2BXProgrammer
Fri Jan 05, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Estimate Website for 2018?
Replies: 25
Views: 3333

Re: Best Tax Estimate Website for 2018?

I help my dad with his taxes and he would like to take as much of his IRA now without having to pay taxes. He's over 70.5 so there's no penalty. Normally, I can estimate the number pretty well but that was under the old law. Has anyone run across a good calculator for 2018 based on the new law? I s...
by Soon2BXProgrammer
Fri Jan 05, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why not Muni Money Market?
Replies: 41
Views: 3483

Why not Muni Money Market?

Is this a no brainer? What am i missing?

Vanguard Municipal Money Market Fund VMSXX is at 1.39%

Vanguard Prime Money Market Fund VMMXX is at 1.38%
by Soon2BXProgrammer
Fri Jan 05, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 8273

Re: Goodbye Capital One 360!!

** deleted, going to create dedicated thread ***
by Soon2BXProgrammer
Wed Jan 03, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: TurboTax Premier 2017 - First year DIY Taxes
Replies: 9
Views: 1148

Re: TurboTax Premier 2017 - First year DIY Taxes

Copernicus wrote:
Wed Jan 03, 2018 9:41 am
how much of last year’s data from accountant’s will i have to enter into TT 2017 manually? Is there no way to get That data from pdf file or something? Thanks.
it has some transfer from PDF features. but i wouldn't count on it working. i just don't know.
by Soon2BXProgrammer
Tue Jan 02, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?
Replies: 21
Views: 975

Re: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?

https://www.irs.gov/pub/irs-pdf/p590a.pdf Folks, Straight from the source: Table 1-1 Includes ...  earnings and profits from  property. wages, salaries, etc.  interest and  dividend income. commissions.  pension or annuity  income. self-employment income. Does not include ...  deferred compensation...
by Soon2BXProgrammer
Tue Jan 02, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Tax Help
Replies: 8
Views: 616

Re: Tax Help

the key is never use these terms. - backdoor roth and megabackdoor roth... not many know or understand these terms. if you explain it based on what you did, not based on our terminology of the overall methodology: 1. contributed to an IRA but due to income limits, that contribution was treated as no...
by Soon2BXProgrammer
Mon Jan 01, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Request update on YouTube TV
Replies: 11
Views: 664

Re: Request update on YouTube TV

Ok. I'm still a little confused.I'm not trying to eliminate an internet connection. For example: I call Comcast and say I'm terminating all services except my internet connection. They would do that? Of course I imagine they will charge me however. And then I (my adult children really) will opt for...
by Soon2BXProgrammer
Sat Dec 30, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2906

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

PhillyBird wrote:
Sat Dec 30, 2017 9:47 am
Same here...zero balance for Vanguard 529 plan...number of share units is still correct though.
but the balance should be correct in the 529 area once you drill down....
by Soon2BXProgrammer
Sat Dec 30, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2906

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

I logged into Vanguard's web site.. i see my units count, but they have no value in the main vanguard website. However, when i click "go to my 529 area", i see the values in there.
by Soon2BXProgrammer
Thu Dec 28, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out retirement accounts
Replies: 55
Views: 4155

Re: Maxing out retirement accounts

it took me a few years, but i bought a house and didn't know what i was doing.. my father did beat me on the head with a club with "every time you get a raise... don't take it, and put it in your 401k"... the club... was more powerful then me wanted another new shiny thing...
by Soon2BXProgrammer
Thu Dec 28, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Partial Roth Conversions ?
Replies: 6
Views: 830

Re: Partial Roth Conversions ?

Is the main reasons to do Roth conversions is to avoid higher tax rate in the future (which may or may not happen), or avoid leaving a tax burden to your heirs ? Are there any other advantages to doing partial Roth conversions ? if your pretax account is going to cause significant burden while your...
by Soon2BXProgrammer
Thu Dec 28, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: What computer should I get?
Replies: 36
Views: 3311

Re: What computer should I get?

I will add a comment about Lenovo. It has reasonably positive recommendations which led me to purchase a PC from them. It was a huge error in my opinion. There is a massive amount of bloatware pre-installed, and they make it difficult to impossible to remove it. Furthermore, some items that are rem...