Search found 403 matches

by motorcyclesarecool
Tue May 22, 2018 5:41 am
Forum: Personal Consumer Issues
Topic: Factory Five build cars
Replies: 2
Views: 333

Re: Factory Five build cars

Have you considered Caterham 7? The former hosts of Top Gear assembled a running example in less than a day.
by motorcyclesarecool
Tue May 22, 2018 5:10 am
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 12
Views: 1067

Re: How do I tell if Roth conversions are worth the trouble?

Actuarially speaking, it is likely that you will wind up predeceasing your wife. In which case she’d be taking the same RMDs but without the benefit of the married-filing-jointly tax brackets. It may be worthwhile to see in what bracket your surviving spouse would be with RMDs, and convert up to tha...
by motorcyclesarecool
Mon May 21, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 27
Views: 1887

Re: Do I understand duration correctly?

Perhaps I need to have a sort of “lmp” made up of individual securities with set maturity dates. I wish my kids’ §529s and my TSP allowed me to do that. What do you mean by "lmp"? (Unsolicited advice to the board: What we write here is read by hundreds or even thousands. I try to avoid shorthand) W...
by motorcyclesarecool
Mon May 21, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 27
Views: 1887

Re: Do I understand duration correctly?

If you are holding bonds to diversify the risk of holding stocks, then your time horizon should factor into deciding the ratio of stocks to bonds. You would not normally try to match the duration of the bond portfolio to your investment horizon. If you are holding bonds to cover future liabilities,...
by motorcyclesarecool
Mon May 21, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 27
Views: 1887

Re: Do I understand duration correctly?

If you are holding bonds to diversify the risk of holding stocks, then your time horizon should factor into deciding the ratio of stocks to bonds. You would not normally try to match the duration of the bond portfolio to your investment horizon. If you are holding bonds to cover future liabilities,...
by motorcyclesarecool
Sun May 20, 2018 4:50 am
Forum: Personal Consumer Issues
Topic: central extractor fan instead of A/C?
Replies: 15
Views: 1207

Re: central extractor fan instead of A/C?

I believe what you’re looking for is called an Economizer. It monitors outside air conditions and draws in outside air when it makes sense to.
by motorcyclesarecool
Sat May 19, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 27
Views: 1887

Re: Do I understand duration correctly?

How would I go about reducing my average duration as my time horizon grows shorter?
by motorcyclesarecool
Sat May 19, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Do I understand duration correctly?
Replies: 27
Views: 1887

Do I understand duration correctly?

Take a bond fund with a duration of 5 in a rising interest rate environment. Year 1, interest rates increase by 1%. Bond fund should recover in 5 years. Year 2, interest rates increase by another 1%. Bond fund now requires 9 years to recover. Year 3, 1% increase, now 13 years to recover. [edited to ...
by motorcyclesarecool
Wed May 16, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4286

Re: New motorcycle rider

So the question is- Where can I ride my motorcycle alone and safely? I am definitely risk averse. What region of the country are you in? Generally, try byways and scenic routes. Also, consider the benefit of riding at night when on a long distance road trip.(not necessarily recommended in ungulate ...
by motorcyclesarecool
Wed May 16, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Rollover beneficiary TSP to IRA?
Replies: 9
Views: 578

Re: Rollover beneficiary TSP to IRA?

Definitely roll a beneficiary TSP account to an IRA (Or IRAs in the event of a Roth balance). That is my first instruction to my survivor. Low costs and access to G-Fund not worth the inflexible withdrawal options and tax bill for your heirs. EDITED TO ADD: If there is a Roth balance it would be ins...
by motorcyclesarecool
Tue May 15, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4286

Re: New motorcycle rider

You need to have a “mind like water” while riding. You can’t have a wandering mind and either enjoy or be safe riding. Once I had dependents, I had to sell my BMW. I wasn’t enjoying it any longer. Your state might run a motorcycle safety course at-cost. It’s a great way to get your endorsement and p...
by motorcyclesarecool
Thu May 10, 2018 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage early or save?
Replies: 27
Views: 2984

Re: Payoff mortgage early or save?

I've always felt that, unless and until you can make one lump sum payment to eliminate the mortgage, you should hold on to extra cash. The bank isn't interested in the fact that you're 12 months ahead of where you should be on your mortgage; your payment is due every month on the 1st. Lose your job...
by motorcyclesarecool
Wed May 09, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6939

Re: Gold ball cracked my house window. Do I have any recourse?

You people poking fun at OP’s typo are savage. Please don’t change.
by motorcyclesarecool
Wed May 09, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1643

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

1. Payoff CC's #1, #2, #6 today. 2. Leave the remaining $1400 in your emergency fund. 3. Set your retirement withholdings to the minimum to get your 5% match. Forget about any other retirement savings for the next 2 years. Paying off the CC's is your #1 priority. Your goal should be to payoff the C...
by motorcyclesarecool
Tue May 08, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Talk to me about HSA’s. Do they make sense for us?
Replies: 9
Views: 1149

Re: Talk to me about HSA’s. Do they make sense for us?

This year has been the most expensive year with costs totaling nearly 2k thus far. Costs may go down over the next few years but I am not sure. I believe in a year or two we can transition away from psychiatrist to pediatrician. Speech therapy will eventually end. But perhaps more needs might devel...
by motorcyclesarecool
Mon May 07, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?
Replies: 14
Views: 1534

Re: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?

jhfenton wrote:
Mon May 07, 2018 8:39 pm
If the parents are married, then no. They are each eligible to contribute $6,900, but their combined limit is also $6,900.

If they are unmarried cohabitants, then sure, they would each have separate $6,900 limits.
How about if they file separately?
by motorcyclesarecool
Mon May 07, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Family of Four, two HDHPs, two HSAs, $13,800 in contributions?
Replies: 14
Views: 1534

Family of Four, two HDHPs, two HSAs, $13,800 in contributions?

Purely hypothetical scenario:

Family of 4 with two working parents. Each has “self plus one” HDHP coverage. What would stop that family from being able to contribute $6800 to his and hers HSAs, for a grand total of $13,800?
by motorcyclesarecool
Sat May 05, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Moving - Move Financial Documents or Send via UPS?
Replies: 7
Views: 660

Re: Moving - Move Financial Documents or Send via UPS?

If you spiral bound the papers into books, you could ship them using Media Mail. Media mail is how I shipped my library to and from grad school.

http://about.usps.com/notices/not121/not121.htm
by motorcyclesarecool
Thu May 03, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2881

Re: Stock Buybacks as a Global Trend?

patrick013 wrote:
Thu May 03, 2018 1:30 pm
What if the buyback is involuntary ? So if you needed the
money you could sell your shares anyway. But a buyback forces
you to sell your shares you might want to keep. To me it's
kind of a non-event then.
I’m not sure I know what you’re talking about, other than taking a company private...
by motorcyclesarecool
Thu May 03, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2881

Re: Stock Buybacks as a Global Trend?

It is really easy for the layperson to see something sinister in a financial tool he or she doesn’t understand. Almost everyone understands dividends, but very few understand how stock buybacks are better for the shareholders tax-wise than dividends. It’s easy to grab their attention to alarming ar...
by motorcyclesarecool
Thu May 03, 2018 6:19 am
Forum: Investing - Help with Personal Investments
Topic: former employer 410K to Rollover IRA Vs current employer
Replies: 7
Views: 592

Re: former employer 410K to Rollover IRA Vs current employer

Are you now or could you soon be in a position to desire to make backdoor Roth contributions? If so, then keeping your Traditional savings in a §401(k) vehicle will be more to your advantage than rolling to Traditional IRA.
by motorcyclesarecool
Thu May 03, 2018 4:37 am
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2881

Re: Stock Buybacks as a Global Trend?

[....]So in aggregate, is there any hard evidence that these share buybacks are actually worse than dividends for investors? We know they're potentially better from a tax treatment perspective. It is really easy for the layperson to see something sinister in a financial tool he or she doesn’t under...
by motorcyclesarecool
Wed May 02, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 40
Views: 3707

Re: Family vacationing

Thanks for the great ideas all ! Really appreciate the feedback. To clarify, we live just north of Boston. I do not travel for work. Our "vacations" have been to Maine, NH, R.I., Boston, beaches, and the kids are into animals, (zoos), sports - we have done the AAA Paw Sox and AA Portland Sea Dogs, ...
by motorcyclesarecool
Wed May 02, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation on bond vehicle
Replies: 8
Views: 798

Re: Recommendation on bond vehicle

Hogan773 wrote:
Wed May 02, 2018 10:12 am
motorcyclesarecool wrote:
Tue May 01, 2018 6:39 am
I’m a fan of the Lotus that converts to a submersible.
Wow that one was good....my mind didn't even go there when I read the title of the thread
Hopefully I didn’t have too many people trying to find submersible bonds in the Wiki.
by motorcyclesarecool
Wed May 02, 2018 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4065

Re: Ally asking CURRENT customer to provide SSN card?

I doubt I could find my card in 24 hours. I’ve gotten by on current passport and Driver License for a long time.
by motorcyclesarecool
Tue May 01, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 598

Re: EMs in TSP's I fund: New AA for TSP and Roth IRA?

Since Total Stock Market (VTSAX) has a lower ER than Total International (VTIAX) I’d probably lean toward going 100% VTSAX or a 50/50 split of VTSAX / VTIAX outside the TSP. I avoid the L funds due to exposure to the “F” fund in a rising rate environment. I avoid Vanguard’s Target Date and Life Cycl...
by motorcyclesarecool
Tue May 01, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7416

Re: Series I Bonds in April/May 2018

Are we in “back up the truck” territory yet? What does that mean? https://www.bogleheads.org/forum/viewtopic.php?f=10&t=64679&start=500 Sorry, I have neither the time nor the energy to sift through a two year old thread which is 11 pages long to glean the answer. Can you give a hint? The title of t...
by motorcyclesarecool
Tue May 01, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Leaving Payflex HSA - avoid account closure fee?
Replies: 7
Views: 367

Re: Leaving Payflex HSA - avoid account closure fee?

I think I got away with spending the balance down to zero with qualified expenses.
by motorcyclesarecool
Tue May 01, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7416

Re: Series I Bonds in April/May 2018

samsoes wrote:
Tue May 01, 2018 9:18 am
motorcyclesarecool wrote:
Tue May 01, 2018 9:11 am
Are we in “back up the truck” territory yet?
What does that mean?
viewtopic.php?f=10&t=64679&start=500
by motorcyclesarecool
Tue May 01, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7416

Re: Series I Bonds in April/May 2018

Are we in “back up the truck” territory yet?
by motorcyclesarecool
Tue May 01, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Transferring out of Wealthfront: Which brokerage?
Replies: 8
Views: 930

Re: Transferring out of Wealthfront: Which brokerage?

Check out this thread: viewtopic.php?f=10&t=196884&start=950

Merrill Edge could be a winner for that overall balance.
by motorcyclesarecool
Tue May 01, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 2511

Re: Anyone else use AmazonSmile?

Definitely. My wife works for a small non-profit, which participates in the program. Probably amounts to under $100 per year total for everyone who uses it, if even that much. I'm sure the money we donate out of pocket exceeds the meager amount earned through the smile program. How much work is it ...
by motorcyclesarecool
Tue May 01, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation on bond vehicle
Replies: 8
Views: 798

Re: Recommendation on bond vehicle

In all seriousness, a 4 year CD might be the best bond you can buy in an era of rising rates and a flattening yield curve.
by motorcyclesarecool
Tue May 01, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation on bond vehicle
Replies: 8
Views: 798

Re: Recommendation on bond vehicle

I’m a fan of the Lotus that converts to a submersible.
by motorcyclesarecool
Tue May 01, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: [Muni-bond Money Market Account for Mortgage Down Payment?]
Replies: 2
Views: 321

Re: [Muni-bond Money Market Account for Mortgage Down Payment?]

I can’t speak to seasoning, however, if I have a short time horizon, I’d go as risk-free as possible. Vanguard Federal Money Market should be ok. The municipal bond market was nearly hollowed out by tax reform legislation that would have kiboshed “private activity” municipal bonds. Said legislation ...
by motorcyclesarecool
Mon Apr 30, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Would Roth Conversions be worthwhile for me?
Replies: 18
Views: 1596

Re: Would Roth Conversions be worthwhile for me?

Unreduced pension age is 62 unless you have 20+ years of service. Link below. Good plan. However, cannot get FEHB during period when annuity postponed. May be better to take reduced pension when factoring in health care costs - unless you can get coverage through a spouse. https://www.opm.gov/retir...
by motorcyclesarecool
Mon Apr 30, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Would Roth Conversions be worthwhile for me?
Replies: 18
Views: 1596

Re: Would Roth Conversions be worthwhile for me?

Thanks all. How big are your TSP, Roth, and Taxable accounts? TSP - $800K Roth - $250K Taxable - $300K Do you have a federal pension? y es, but retiring early under special plan for employees who reach age 56 + 10 years of service, early retirement Are you sure you are not getting the FERS suppleme...
by motorcyclesarecool
Sun Apr 29, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Opps! EE Paper Bonds hit final maturity for the past four year--Taxes?
Replies: 14
Views: 1390

Re: Opps! EE Paper Bonds hit final maturity for the past four year--Taxes?

Can you guys describe what the "headache" consisted of ? Converting the paper bonds was a headache because there were so many, and Treasury Direct makes you use their website to do a manifest of the paper bonds you convert. Pretty much everything on their website makes me want to take a carrot peel...
by motorcyclesarecool
Sat Apr 28, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Opps! EE Paper Bonds hit final maturity for the past four year--Taxes?
Replies: 14
Views: 1390

Re: Opps! EE Paper Bonds hit final maturity for the past four year--Taxes?

Can you guys describe what the "headache" consisted of ? Converting the paper bonds was a headache because there were so many, and Treasury Direct makes you use their website to do a manifest of the paper bonds you convert. Pretty much everything on their website makes me want to take a carrot peel...
by motorcyclesarecool
Sat Apr 28, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Opps! EE Paper Bonds hit final maturity for the past four year--Taxes?
Replies: 14
Views: 1390

Re: Opps! EE Paper Bonds hit final maturity for the past four year--Taxes?

I converted a stack of paper bonds on Treasury Direct. It took a very long time. About half were past final maturity, by a long shot. Treasury Direct cashed the ones at or past final maturity and ACH’d the funds to our checking account. All the 1099s were issued for the same year we converted the b...
by motorcyclesarecool
Sat Apr 28, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Opps! EE Paper Bonds hit final maturity for the past four year--Taxes?
Replies: 14
Views: 1390

Re: Opps! EE Paper Bonds hit final maturity for the past four year--Taxes?

I converted a stack of paper bonds on Treasury Direct. It took a very long time. About half were past final maturity, by a long shot. Treasury Direct cashed the ones at or past final maturity and ACH’d the funds to our checking account. All the 1099s were issued for the same year we converted the bo...
by motorcyclesarecool
Fri Apr 27, 2018 5:44 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13685

Re: HSA maximum back to $6900 for 2018!

How is following the law being disgruntled. I don’t wish to get into an argument, but I will cite one example of disgruntled employees working to the letter: http://articles.latimes.com/2000/aug/27/news/mn-11154 In multiple levels of government, I have found Yes, Minister to be very illustrative. M...
by motorcyclesarecool
Fri Apr 27, 2018 4:55 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5846

Re: Learning to drive stick

I currently drive a stick. Get the Automatic. You might be proficient but it won’t be 100% second nature after 2 hours. You’re going to want to have the easiest driving workload possible when driving on European roads with European signage and European drivers. It will be a false economy if you wind...
by motorcyclesarecool
Wed Apr 25, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 969
Views: 169213

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

New question re: Merrill Edge / Bank of America... My state has no B of A branches, although a neighboring state has some fairly easily accessible about a stone’s throw from the state line. I don’t see where BofA has any sort of internet-only account. All that to say, I'm not sure I could derive any...
by motorcyclesarecool
Wed Apr 25, 2018 5:09 am
Forum: Personal Consumer Issues
Topic: Difference in Difficulty Driving Moving Trucks By Size
Replies: 18
Views: 1680

Re: Difference in Difficulty Driving Moving Trucks By Size

Perhaps it was running with a very full load, or maybe I got a poor handling truck but I found a 26 ft truck to be very difficult to drive on the interstate on anything but super smooth sections. On rougher portions of road, over some old bridges, through narrow construction zones, and through a co...
by motorcyclesarecool
Wed Apr 25, 2018 4:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6545
Views: 1402961

Re: U.S. stocks in freefall

Sorry, my bad. As the penultimate chapter of my pursuit of a brokerage transfer bonus, I threw a cash lump sum into two different total stock market ETFs yesterday. My TSP contribution should have hit yesterday, too. Double whammy. I promise to sit tight for a few days.
by motorcyclesarecool
Tue Apr 24, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Difference in Difficulty Driving Moving Trucks By Size
Replies: 18
Views: 1680

Re: Difference in Difficulty Driving Moving Trucks By Size

Absolutely no difference once you’re on the freeway. Watch out overhead and at your origin and destination. If you get a refurbished Garmin DEZL gps unit, you can enter overhead clearance information and it will route you around any trouble spots.
by motorcyclesarecool
Tue Apr 24, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria used to make Roth Conversion decision
Replies: 48
Views: 4005

Re: Criteria used to make Roth Conversion decision

As a potential early retiree, whenever I run I-orp, irrespective of max marginal Roth Conversion bracket, it has me doing all my converting prior to age 55. Why is that? Email the author of the program, he’s very responsive. I’m persuaded that aggressive Roth conversion in early retirement is the w...
by motorcyclesarecool
Tue Apr 24, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Small Roth, big RMD--advice?
Replies: 14
Views: 2006

Re: Small Roth, big RMD--advice?

LadyGeek wrote:
Mon Apr 23, 2018 7:08 pm
I fixed the spelling in the thread title, as "ROTH" is not an acronym. See the wiki: Roth IRA
Wiki wrote:Named after US Senator William Roth, Roth IRAs were established by the Taxpayer Relief Act of 1997.
paths&pedals, Welcome!
For some reason my iOS autocorrect wants Roth to be all caps at random.