Search found 473 matches

by Calygos
Mon Aug 20, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting fresh?
Replies: 11
Views: 782

Re: Thoughts on starting fresh?

If I were starting fresh, I would go minimalist on all the "stuff" I tend to acquire. In my younger years I remember my apartment and first house having very little furniture or other decor, and making efforts to buy things to fill the rooms. Now I have a crapload of stuff that I really don't need....
by Calygos
Mon Aug 20, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting fresh?
Replies: 11
Views: 782

Re: Thoughts on starting fresh?

Nice to start fresh. You may want to do a purge of your belongings you no longer need, especially clothes and shoes. You may want to add yoga, meditation, and swimming although you don't want to get exercise addicted. I'd also read a book every week or two alternating fiction and non fiction. Go th...
by Calygos
Mon Aug 20, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting fresh?
Replies: 11
Views: 782

Re: Thoughts on starting fresh?

Nice to start fresh. You may want to do a purge of your belongings you no longer need, especially clothes and shoes. You may want to add yoga, meditation, and swimming although you don't want to get exercise addicted. I'd also read a book every week or two alternating fiction and non fiction. Go th...
by Calygos
Mon Aug 20, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting fresh?
Replies: 11
Views: 782

Re: Thoughts on starting fresh?

I thought of a couple more places I am making changes or want to: Wardrobe . I'm a minimalist and like a small, simple, monochromatic wardrobe. To work I generally wear a simple black t-shirt, nice pair of dark blue jeans, and a solid pair of brown Johnston & Murphy boot-ish shoes. I'd like to repla...
by Calygos
Mon Aug 20, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting fresh?
Replies: 11
Views: 782

Re: Thoughts on starting fresh?

Amount of caffeine in monster is comparable to cup of coffee. It isn't that bad. After years of slamming diet cokes I'm trying to switch to black coffee. Modest amounts of caffeine aren't bad and may even be healthy. All that sugar isn't, and artificial sweeteners may not be good either. The Monste...
by Calygos
Mon Aug 20, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting fresh?
Replies: 11
Views: 782

Thoughts on starting fresh?

As I mentioned in a recent post, I am starting a new job in two weeks, September 5 actually. I am also moving to a nice apartment (only about 15 minutes from where I live now) that is not only a 5-10 minute walk to the new job, but is in a prime area in the city where I can walk to pretty much every...
by Calygos
Mon Aug 20, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3186
Views: 968852

Re: What Book Are You Currently Reading? Part VI

Aside from Crucial Conversations per my previous reply, I've recently started reading a couple of others: Thinking, Fast and Slow . I'm just getting started but eagerly excited to see where it goes. After that is another I bought at the same time, a brand new one titled The Book of Why: The New Scie...
by Calygos
Mon Aug 20, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3186
Views: 968852

Re: What Book Are You Currently Reading? Part VI

It's not new, but I had never heard of it - Crucial Conversations. Subtitle, "Tools for talking when stakes are high." A friend in the healthcare field gave it to me. I would describe it as communication tools that can be used for either business or personal matters. I am 40 pages in. If I run into...
by Calygos
Wed Aug 15, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 58
Views: 12401

Re: Moving from Vanguard to Fidelity (probably)

Hi all, I've been going through a lot of spring cleaning and overhaul of my financial accounts (as recent threads of mine show) and I've settled on a new strategy that I've begun implementing today: Moving savings from Ally to PurePoint for the 0.25% APY increase Moving checking from Wells Fargo to...
by Calygos
Thu Aug 09, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k rollover strategy
Replies: 9
Views: 277

Re: Help with 401k rollover strategy

There's your answer. So just to be clear, when I learn about how backdoor Roth IRAs work, you're saying I'll likely see myself better off doing that than rolling the 401k holdings into my current tIRA? Definitely. Look for the prorata rule in the wiki. Will do. One more question: my current rIRA is...
by Calygos
Thu Aug 09, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k rollover strategy
Replies: 9
Views: 277

Re: Help with 401k rollover strategy

Why don't you leave it? Or move it to your new job? Not doing the backdoor rIRA then? I'd rather not leave stuff lying around, I'm a minimalist and I'd prefer to consolidate and have a single place to manage my non-401k investments. I'm also not really familiar with a backdoor Roth IRA. I do have a...
by Calygos
Thu Aug 09, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k rollover strategy
Replies: 9
Views: 277

Re: Help with 401k rollover strategy

Why don't you leave it? Or move it to your new job? Not doing the backdoor rIRA then? I'd rather not leave stuff lying around, I'm a minimalist and I'd prefer to consolidate and have a single place to manage my non-401k investments. I'm also not really familiar with a backdoor Roth IRA. I do have a...
by Calygos
Thu Aug 09, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k rollover strategy
Replies: 9
Views: 277

Re: Help with 401k rollover strategy

Why don't you leave it? Or move it to your new job? Not doing the backdoor rIRA then? I'd rather not leave stuff lying around, I'm a minimalist and I'd prefer to consolidate and have a single place to manage my non-401k investments. I'm also not really familiar with a backdoor Roth IRA. I do have a...
by Calygos
Thu Aug 09, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k rollover strategy
Replies: 9
Views: 277

Help with 401k rollover strategy

So it looks like I'm getting a really great job offer and will likely start early next month. So I'll want to ultimately roll over my current Principal 401k to my Vanguard tIRA. My total portfolio holdings across my 401k and my Vanguard tIRA, Roth IRA, and regular investment account consist of: Vang...
by Calygos
Tue Jul 10, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8183

Re: What % of your equity is int’l?

There is a philosophy in Computer Science / Software Engineering that there are in general 3 "natural" numbers that should be used in programming: 0, 1, and infinity. Anything else better have a damn good justification. So with that in mind, I see an analogous answer to this question but with only t...
by Calygos
Tue Jul 10, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 18
Views: 1423

Re: Estate Planning and Charity

I am averse to the idea of bequeathing to charities upon my death and strongly believe that MY charitable donations should be while I am alive and I am actually sacrificing something of value to me, giving it to somebody less fortunate. My biggest donation to date was to my alma mater, 7 figures. T...
by Calygos
Tue Jul 10, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 18
Views: 1423

Re: Estate Planning and Charity

The choice of charities is a personal choice. Some people favor the schools they went to. Others favor some worthy cause. If you're in your 40s and have a modest estate and no one you want to provide for, why do you want to create a trust? The trust is primarily to deal with my assets if I am not t...
by Calygos
Mon Jul 09, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 18
Views: 1423

Re: Estate Planning and Charity

jebmke wrote:
Mon Jul 09, 2018 3:41 pm
Ideally, you'd never go, right? :P
I'm going to live forever or die trying.
Broken Man 1999 wrote:
Mon Jul 09, 2018 5:37 pm
Nieces?
Nephews?
Nope, I am definitely the last.

I like the DAF idea, I'll look into that. Thank you for the feedback, everyone.
by Calygos
Mon Jul 09, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 18
Views: 1423

Estate Planning and Charity

Hi all, I've started working with an Estate Attorney (introduced through my sister and her husband a few months ago, they love the guy and can't say enough good things about him). I just sent in my initial paperwork with information about my accounts and beneficiaries towards setting up a trust. I h...
by Calygos
Sun May 20, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2591

Re: When to and when not to “reinvest dividend and capital gains”

Would this be a reasonable approach to reducing lots? 1. Turn off reinvestment of (quarterly) dividends and instead direct them to the account's settlement fund. 2. Contribute regularly (monthly or quarterly) from a bank account to the settlement fund. 3. Each quarter, immediately following dividen...
by Calygos
Sun May 20, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2591

Re: When to and when not to “reinvest dividend and capital gains”

Would this be a reasonable approach to reducing lots? 1. Turn off reinvestment of (quarterly) dividends and instead direct them to the account's settlement fund. 2. Contribute regularly (monthly or quarterly) from a bank account to the settlement fund. 3. Each quarter, immediately following dividend...
by Calygos
Sun May 20, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying to a target retirement fund?
Replies: 9
Views: 757

Re: Simplifying to a target retirement fund?

My current portfolio consists of 4 accounts: Current 401(k): 100% VIGAX (Vanguard Growth Index Fund Admiral Shares) Taxable Account: 100% VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) Roth IRA: 100% VTSAX Traditional IRA (rolled-over previous 401(k)s) 45% VTSAX 25% VTIAX (Vanguard T...
by Calygos
Sun May 20, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying to a target retirement fund?
Replies: 9
Views: 757

Re: Simplifying to a target retirement fund?

Sometimes putting a target fund in taxable is not the best approach for a couple of reasons. If you are in a higher tax bracket, the bonds in the target fund would not be very tax-efficient. Also, the target fund means you could not sell stocks or bonds without selling both. In a taxable account, k...
by Calygos
Sun May 20, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying to a target retirement fund?
Replies: 9
Views: 757

Re: Simplifying to a target retirement fund?

Sometimes putting a target fund in taxable is not the best approach for a couple of reasons. If you are in a higher tax bracket, the bonds in the target fund would not be very tax-efficient. Also, the target fund means you could not sell stocks or bonds without selling both. In a taxable account, k...
by Calygos
Sun May 20, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying to a target retirement fund?
Replies: 9
Views: 757

Simplifying to a target retirement fund?

My current portfolio consists of 4 accounts: Current 401(k): 100% VIGAX (Vanguard Growth Index Fund Admiral Shares) Taxable Account: 100% VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) Roth IRA: 100% VTSAX Traditional IRA (rolled-over previous 401(k)s) 45% VTSAX 25% VTIAX (Vanguard To...
by Calygos
Wed May 16, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 6659

Re: Do people in the forum hold foreign bonds?

Wow, this whole discussion is over my head. Guess for me, considering simplicity and not investing in something I don't understand at least at a more basic level, the answer is to stay away from international bonds except for whatever is held in VBTLX (which makes int'l bonds about 1.74% of my entir...
by Calygos
Tue May 15, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 6659

Re: Do people in the forum hold foreign bonds?

I'm in the middle of reconsidering how much of my AA is in bonds and International equities and it got me thinking about International bonds as well. I've seen a lot of people here argue for holding anywhere from the Bogle/Vanguard 20% through the market cap of ~51% for Int'l equities, so why not th...
by Calygos
Sun May 13, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 467

Re: Selling shares from taxable, do lot choices matter?

You don't have to sell all the shares in a lot either. Unfortunately, your broker does not show the percent gain for each lot. I would be selling the shares with loss, then the long-term-held shares with the least percent gain. That would keep my taxes the lowest. Sure, which is why I was thinking ...
by Calygos
Sun May 13, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 467

Re: Selling shares from taxable, do lot choices matter?

Of course lot choices matter. Your choice will affect your income and thus your taxes in a big way. I should have clarified in the title that I was really only referring to lots with differing numbers of shares / market value and all had LTCG rather than STCG (or losses), but that otherwise had the...
by Calygos
Sun May 13, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 467

Re: Selling shares from taxable, do lot choices matter?

trueblueky wrote:
Sun May 13, 2018 11:06 am
Calygos wrote:
Sun May 13, 2018 11:03 am
I'm in the 28% tax bracket, so I'd definitely be paying 15% (is that still right?) on the LTCG. Give me a few minutes and I'll post the lots.
15% until you exceed $479,000 MFJ or $425,800 Single. What is your state tax rate?
I live in WA so no state taxes.

Here are my lots.
by Calygos
Sun May 13, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 467

Re: Selling shares from taxable, do lot choices matter?

I'm in the 28% tax bracket, so I'd definitely be paying 15% (is that still right?) on the LTCG. Give me a few minutes and I'll post the lots.
by Calygos
Sun May 13, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 467

Selling shares from taxable, do lot choices matter?

Hi all, This may be a dumb question. I'm considering a purchase of around $4k and thinking of selling shares from my taxable account (100% VTSAX) to fund it. I'd switched cost basis from Average Cost to SpecID last year and there are currently 16 lots with long-term capital gains, with 13 of the lot...
by Calygos
Thu May 03, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4520

Re: Ally asking CURRENT customer to provide SSN card?

...For those that haven't seen it, CGP Grey has a great video on this mess ... I watched it from beginning to end, I loved it, and it made me laugh out loud several times. However it doesn't really speak to the serious problems resulting from the internal contradictions of wanting to be efficient w...
by Calygos
Thu May 03, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4520

Re: Ally asking CURRENT customer to provide SSN card?

...To begin with, a Social Security card only has one personally identifying thing on it: a signature. That's all it is, a number, a name, and a signature. No picture, no hologram, no thumbprint. Cheaply printed on ordinary cardboard; no pretty scrollwork, no raised seal, nothing. Mine is from the ...
by Calygos
Sun Apr 29, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 214
Views: 34128

Re: Ally online savings now at 1.50%

Why all the rate-chasing here? Savings accounts (i.e. emergency funds, cash reserves, whatever the desired terminology) are supposed to be about security and liquidity, not growth.
by Calygos
Sun Apr 29, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: What are the questions you would ask a Financial Advisor ?
Replies: 59
Views: 4345

Re: What are the questions you would ask a Financial Advisor ?

Why do clients want to see an advisor's portfolio? You may not have the same investment risk profile. Presumably to see if he is an honest sucker or thinks his clients are suckers for things he would never buy himself. If he's not honest, he'll just show a made-up portfolio anyway. Kinda like keepi...
by Calygos
Sun Apr 29, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: can't login to vanguard this a.m.
Replies: 17
Views: 1444

Re: can't login to vanguard this a.m.

It did just work for me on Chrome on my Mac after purging everything with Shift-Cmd-Delete.
by Calygos
Sun Apr 29, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: can't login to vanguard this a.m.
Replies: 17
Views: 1444

Re: can't login to vanguard this a.m.

Looks like redirect loops, possibly an issue wih it having trouble downloading angular.min.js.
by Calygos
Fri Apr 27, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 214
Views: 34128

Re: Ally online savings now at 1.45%

My account still shows 1.45% but no big deal. Ally has been my EF for a few years but I finally moved there for my checking as well since I really like their interface and the simplicity of moving funds immediately, plus their 24/7 support has been helpful on a few occasions. I do also have checking...
by Calygos
Thu Apr 12, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3186
Views: 968852

Re: What Book Are You Currently Reading? Part VI

I couldn't get into the Lovecraft, so I'm currently traveling and splitting my time between The Intelligent Investor (finally, and it's the hardcover re-print of the original 1949 edition) and The Horus Heresy (never played WH but I love sci-fi world building and decided to give the series a go).
by Calygos
Wed Apr 11, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 4120

Re: Any aggressive index funds in your portfolio?

I have VIGAX (Vanguard Growth Index Fund Admiral Shares) as 100% of my 401(k) since that was the best option from a cost perspective in my 401(k) plan.
by Calygos
Sat Mar 31, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3667
Views: 1040213

Re: What Movie Have You Recently Watched?

Finally got around to watching The Last Jedi (since it became rentable on iTunes this past week) and it was as disappointing as I expected. Granted, I'd disliked The Force Awakens and spoiled TLJ by watching the Red Letter Media Half in the Bag review of it long ago, but I tried to go into it with a...
by Calygos
Sat Mar 31, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3186
Views: 968852

Re: What Book Are You Currently Reading? Part VI

Just started H.P. Lovecraft: The Complete Fiction. I haven't read much fiction in a while but I love cosmic horror so I'm finally going to the source!
by Calygos
Mon Mar 26, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5806

Re: Anxious about age, career, and housing costs

OP, I bought my first place in 2004 in a townhouse complex in the midwest. It was a good "first dip" into real estate as it gave me the flexibility of my own home without the burden of yard upkeep. In 2005 (a year later!) I took a promotion and moved out of state. Fast forward to 2012, I bought ano...
by Calygos
Mon Mar 26, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5806

Re: Anxious about age, career, and housing costs

For the entire 6.5 years I've lived here, I've lived and worked on the east side (live in Kirkland, work in SE Bellevue) and rarely go into Seattle, even actively avoid doing so, as I don't like Seattle and the entire west side. If you work in SE Bellevue, why not live in SE Bellevue and eliminate ...
by Calygos
Mon Mar 26, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2552

Re: Any hand written letter services out there that write and mail on your behalf?

Does anyone know if there's a service out there that will write and mail a letter on your behalf? In other words, you type up a message and email to the service and they will copy that and mail it (stamp and all) to the recipient for you. Better yet, any that will hand write for you and then just a...
by Calygos
Mon Mar 26, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5806

Re: Anxious about age, career, and housing costs

You might be able to get much of what you want without buying the single family house in a distant suburb. Since you're single with no kids, school quality need not drive you to distant suburbs. Why not buy a condo in Seattle close to where you work? Yes, you don't get a yard. But you still get man...
by Calygos
Mon Mar 26, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5806

Re: Anxious about age, career, and housing costs

OP, I bought my first place in 2004 in a townhouse complex in the midwest. It was a good "first dip" into real estate as it gave me the flexibility of my own home without the burden of yard upkeep. In 2005 (a year later!) I took a promotion and moved out of state. Fast forward to 2012, I bought ano...
by Calygos
Mon Mar 26, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5806

Re: Anxious about age, career, and housing costs

I'd be happier even if I could just find a nice, non-beige, non-carpeted apartment with a more open layout in a reasonably nice, walkable area that doesn't cost 2/3 of a paycheck. Yeah, I know what you mean. I like where I live and it is exactly what I need, but when I visit people who live in hous...
by Calygos
Sun Mar 25, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Subaru Cross Country Perks?
Replies: 6
Views: 1183

Re: Subaru Cross Country Perks?

Understood. I get great rental deals through autoslash.com. Tell them what you want, they send you an email in a few minutes with best prices from lots of companies. Click on what you like, and reserve through priceline., I've done this several times, with Hertz and AVIS, and it works just fine. Re...