Search found 37 matches

by DarkNyte
Wed Sep 23, 2020 12:41 am
Forum: Personal Finance (Not Investing)
Topic: 'Wealth Calculator' in Millionaire Next Door
Replies: 33
Views: 3833

Re: 'Wealth Calculator' in Millionaire Next Door

It's a very simple formula, and that's why it doesn't work well. It assumes that you starting making your annual income and started saving 10% of your annual income from birth. Of course no one is working or saving from birth, so it skews to being more favorable to older ages since you have more tim...
by DarkNyte
Fri Aug 07, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1229
Views: 111078

Re: Well, I am market timing due to coronavirus... Wish me luck.

"The Market Timer Hall of Fame is an empty room, " Jane Bryant Quinn. That's possible, but I suspect that the truth is that those who belong there largely chose to remain in the shadows. FWIW, I was basically chased there by forum participants. Even if the odds of market timing are against you, amo...
by DarkNyte
Sat Jul 11, 2020 2:36 pm
Forum: Investing - Theory, News & General
Topic: Are you adjusting your REIT Allocation?
Replies: 69
Views: 5813

Re: Are you adjusting your REIT Allocation?

Also staying the course, and I recommend you do the same:

12.5% VNQ REIT Allocation
12.5% BND
25.0% VXUS
50.0% VTI
by DarkNyte
Sat Jul 11, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: Are you adjusting your REIT Allocation?
Replies: 69
Views: 5813

Re: Are you adjusting your REIT Allocation?

Isn't this just trying to justify buy high sell low?
by DarkNyte
Fri Jul 03, 2020 8:02 pm
Forum: Personal Investments
Topic: New York 529 Plan Change
Replies: 1
Views: 313

New York 529 Plan Change

Just noticed that the Aggressive Growth Portfolio at NY529 changed from: Vanguard ® Total Stock Market Index Fund (70%) Vanguard Total International Stock Index Fund (30%) to: Vanguard ® Total Stock Market Index Fund (60%) Vanguard Total International Stock Index Fund (40%) Does anyone know when thi...
by DarkNyte
Mon Jun 29, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: When to replace the Weber grille
Replies: 22
Views: 2098

Re: When to replace the Weber grille

Have you looked at this website to see if they have the parts you need?

https://www.grillparts.com/weber/
by DarkNyte
Mon Jun 29, 2020 12:41 am
Forum: Personal Consumer Issues
Topic: Has Amazon ever called you to verify a purchase?
Replies: 28
Views: 2289

Re: Has Amazon ever called you to verify a purchase?

Amazon always calls me right after I make a large Amazon gift card purchase. I make $1000 gift card purchases maybe twice a year, and have recently been called the last two times to verify that I made the purchase, and that it wasn't a fraudulent attempt. That was the extent of the conversation, and...
by DarkNyte
Wed May 13, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Excel 2019, Excel 2013 - Default Row Height
Replies: 3
Views: 276

Re: Excel 2019, Excel 2013 - Default Row Height

Sorry still using Office 2003, so no idea. Felt zero need to upgrade.
by DarkNyte
Sat Jan 04, 2020 2:22 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3165
Views: 547776

Re: What are you up YTD? [Year To Date]

Per Boglehead Excel Spreadsheet.
Up 24.9% for 2019. It was a great year of gains. Lets see what 2020 brings.

Asset Allocation:
VTI 50%
VXUS 25%
VNQ 12.5%
Bonds 12.5%
by DarkNyte
Sat Jan 04, 2020 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1884
Views: 461961

Re: Share your net worth progression

May 2009 ($106k) Finished Med School Aug 2014 ($26k) Finished fellowship Dec 2014 ($9k) Dec 2015 $210k First year of positive net worth since college, all student loans paid off Dec 2016 $444k First year debt free since college Dec 2017 $646k Dec 2018 $819k Dec 2019 $1,285k Million Dollar Milestone ...
by DarkNyte
Fri Sep 06, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20234
Views: 2762090

Re: U.S. stocks in free fall

Plenty of people making posts about getting out of REITs last year as well because of under performance and fear of rising interest rates. A lot of why hold VNQ posts all over this forum. I bet all of them wish they had just stayed the course and kept their asset allocation constant. Just throwing t...
by DarkNyte
Wed Aug 28, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: New pc, annoying 'buzzing' sound
Replies: 31
Views: 1812

Re: New pc, annoying 'buzzing' sound

Just so you know, opening the case on these aio PCs usually voids the warranty. I would probably try for a replacement if possible to see if the new one doesn't have coil whine. Hoping you are still within the return window.
by DarkNyte
Wed Aug 28, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: New pc, annoying 'buzzing' sound
Replies: 31
Views: 1812

Re: New pc, annoying 'buzzing' sound

Never mind, I just looked up your computer. With customized form factors like the aio pc you most likely won't be able to figure out the cause since you can't take parts out. Best bet is to return the pc if you can't deal with the sound or just live with it.
by DarkNyte
Wed Aug 28, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: New pc, annoying 'buzzing' sound
Replies: 31
Views: 1812

Re: New pc, annoying 'buzzing' sound

Coil whine sound usually comes from the graphics card. Does your pc have one? You can remove it and run on internal graphics to see if the sound goes away. Second most likely part is the power supply. If you have a spare power supply you can swap them and see if the sound goes away. Otherwise you ca...
by DarkNyte
Tue Aug 27, 2019 10:06 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 34080

Re: VTIAX International fund - should I give up on it?

Last year this time I kept seeing posts like this but in reference to VNQ. Not seeing those posts anymore, and I'm glad I didn't let them change my position in VNQ. VXUS will have its time to shine as well.
by DarkNyte
Sat Aug 03, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: how to handle two prepaid credit cards?
Replies: 9
Views: 571

Re: how to handle two prepaid credit cards?

It should work with any prepaid card. Just add the card as a credit card on that Amazon page and drain it for the amount on the card. Make sure to activate the cards first, as you can't use them before you activate it. You shouldn't need to enter the pin if you use the prepaid card as a credit card....
by DarkNyte
Sat Aug 03, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: how to handle two prepaid credit cards?
Replies: 9
Views: 571

Re: how to handle two prepaid credit cards?

I drain my prepaid cards on Amazon. I just reload my gift card balance for the exact amount left on the card, then the next item I buy on Amazon will be covered by the gift card balance until it runs out.

https://www.amazon.com/asv/reload/
by DarkNyte
Wed Apr 24, 2019 4:39 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1708
Views: 223087

Re: Post your Financial Milestone Announcements Here

I'm loving this thread! So inspiring. I'm about to turn 30 this year and am currently NEGATIVE $95,000 due to student loans, car debt and not enough investments and cash. Working on it though! I'm curious how many of you in (or near) the "two comma club" started in your early to mid 30's. Finished ...
by DarkNyte
Sun Mar 31, 2019 12:19 pm
Forum: Personal Investments
Topic: Year 6 as a Boglehead: Stay the Course!
Replies: 4
Views: 1409

Re: Year 6 as a Boglehead: Stay the Course!

IRA contributions increased to max $6000 for 2019. Also 401k max contribution for employee side increased to $19,000. Not sure if you were purposely not going to max out, or just didn't know about the increases.
by DarkNyte
Fri Jan 04, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1884
Views: 461961

Re: Share your net worth progression

May 2009 ($106k) Finished Med School Aug 2014 ($26k) Finished fellowship Dec 2014 ($9k) Dec 2015 $210k First year of positive net worth since college, all student loans paid off Dec 2016 $444k First year debt free since college Dec 2017 $646k Dec 2018 $819k Updated for year end 2018 (Current Age 35)
by DarkNyte
Tue Jan 01, 2019 2:21 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3165
Views: 547776

Re: What are you up YTD? [Year To Date]

Per Boglehead Excel Spreadsheet.
Down 5.7% for 2018. Could have been much worse. Looking forward to what 2019 brings. :sharebeer

Asset Allocation:
VTI 50%
VXUS 25%
VNQ 12.5%
Bonds 12.5%
by DarkNyte
Sun Dec 09, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: TaxCaster for 2018 estimated taxes
Replies: 10
Views: 1267

Re: TaxCaster for 2018 estimated taxes

I usually do my final estimate for my taxes using HR Block when it first comes out. Problem I've run into this year is the software isn't even complete yet. I can't find any reference to deduction for qualified business income. Without this my tax estimate is extremely increased since all of my inco...
by DarkNyte
Thu Dec 06, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 24266

Re: Call the top! - Bitcoin

I have a coworker who has been modeling production costs vs market cost of Bitcoin. May 28, 2020 is the next scheduled halving and he says it will drive market prices well above production cost... His estimates and charts are a little north of 1 Million... I'll be curious to follow and wish him luc...
by DarkNyte
Fri Nov 23, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 30689

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

Anyone able to find where qualified business income deduction is located for HR Block download software? I can't seem to find where I can enter this deduction. I know I qualify for it as well. There isn't a prompt, not sure if I have to manually enter this in, or wait for January 3rd?
by DarkNyte
Fri Nov 23, 2018 1:37 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 30689

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Sale is back at walmart.com for 18.17.

Better hurry before price changes again.
by DarkNyte
Tue Feb 06, 2018 1:37 am
Forum: Personal Investments
Topic: Stay the course? Edited to Staying the course!
Replies: 22
Views: 2930

Re: Stay the course? Edited to Staying the course!

Read this article about the theoretical worst investor in history and cheer up. Stay the course!

http://awealthofcommonsense.com/2014/02 ... ket-timer/
by DarkNyte
Thu Jan 04, 2018 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1884
Views: 461961

Re: Share your net worth progression

May 2009 -$106k Finished Med School
Aug 2014 -$26k Finished fellowship
Dec 2014 -$9k
Dec 2015 $210k First year of positive net worth since college, all student loans paid off
Dec 2016 $444k First year debt free since college
Dec 2017 $646k
by DarkNyte
Sat Nov 11, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 17221

H&R Block Software

Found a link on slickdeals for 50% discount on H&R Block 2017 software and thought people would find it useful here. It can already be downloaded today. https://www.hrblock.com/tax-software/?otppartnerid=9302&campaignid=af_mcm_9302_0001&PID=2210202&AID=12833048 Make sure to uncheck the extended down...
by DarkNyte
Tue Oct 10, 2017 12:58 pm
Forum: Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 7894

Re: Anesthesiologist Advise [how to save money]

Also forgot to mention, it's possible to LBYM even in SoCal and build net worth. Sometimes I feel like this forum is so biased towards living in Podunk USA for everyone starting out. It's not possible for everyone, nor desirable to do that, nor is in necessary. I'll use myself as an example just to ...
by DarkNyte
Tue Oct 10, 2017 12:33 pm
Forum: Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 7894

Re: Anesthesiologist Advise [how to save money]

Hi Gundamn959, First off welcome to the forum. Money matters can be intimidating but I congratulate you on taking your first steps. I don't usually give advice on this forum but your situation is very close to mine so I will chime in. I am also a 1099 anesthesiologist living in SoCal. I have been in...
by DarkNyte
Sat Feb 25, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1884
Views: 461961

Re: Share your net worth progression

May 2009 -$106K Graduated medical school at age 24. Aug 2014 -$26K Finished fellowship at age 29. I feel like I did pretty well saving with low residents salary. Jan 2015 $5k Net worth positive for the first time since starting college Jan 2016 $218k Jan 2017 $463k Still got a boat load of work and ...
by DarkNyte
Sun Jan 08, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 9623

Re: Best Ways to Buy Time

If you are really committed to saving time, make this your only food source. No more cooking, worrying about buying food, etc.

https://www.soylent.com/
by DarkNyte
Tue Jan 03, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3165
Views: 547776

Re: What are you up YTD? [Year To Date]

2016 Up 12.68%

VTI 50%
VXUS 25%
VNQ 12.5%
BND 12.5%
by DarkNyte
Sun Nov 06, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a 10% down vs. doctor's mortgage
Replies: 24
Views: 6358

Re: Considering a 10% down vs. doctor's mortgage

I recently finished fellowship 2.5 years ago, so I believe we are in similar phases of practice. I echo all of the above advice. Rent first, figure out what your future family is like before buying the house you think it needs today. I'm still renting, but I was able to pay off ~150k of student loan...
by DarkNyte
Tue Mar 29, 2016 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals
Replies: 38
Views: 4697

Re: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals

1. Anesthesia 2. Scrubs that the hospital provides and launders, no need to pay for my own laundry 3. Zero, Male. When I was a medical student, and a few times as a resident I had to dress up in a shirt and tie, but nothing from expensive stores, the white coats were always provided. Why pay a coupl...
by DarkNyte
Fri Mar 25, 2016 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: 1040-ES while tax filing
Replies: 8
Views: 1026

Re: 1040-ES while tax filing

Or you can pay with credit card using a 2% cash back card, and make 0.13% on the payment, which isn't much but it's still cash back. Choose the 1.87% fee website, it seems to rotate between these three listed on the IRS webpage. I like this alternative over EFTPS and IRS Direct Pay. It even allows y...
by DarkNyte
Tue May 19, 2015 8:18 am
Forum: Investing - Theory, News & General
Topic: ERISA on Solo 401K
Replies: 0
Views: 1162

ERISA on Solo 401K

I am switching jobs from W2 to 1099 and I am looking into converting my profit sharing 401k at TDAmeritrade to a Solo 401K. When I was talking to the representative about opening a Solo 401K at TDAmeritrade, he stated that I have to choose to either opt in or opt out of ERISA. I have done some basic...