Search found 30 matches

by purpleKatz
Sat Jun 30, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372443

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

100% Stock
-2.4% YTD - almost entirely due to emerging markets. Oh well!
by purpleKatz
Fri Jun 22, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 49867

Re: MoviePass-Too good to be true, but it's legit.

Some competition for those who go to AMC: https://www.amctheatres.com/amcstubs/alist AMC Stubs A-List offered for $19.95+tax/month allows you to watch up to 3 movies a week, but unlike MoviePass does not exclude dine-in theaters, IMAX, Dolby or 3D films. It also allows you to reserve your movie (and...
by purpleKatz
Sun Jun 03, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3270

Re: Helping son buy a house

When I looked into this (in reverse, as a loan to a parent), it didn't make sense financially for long-term loans. Right now he has the rare opportunity to take advantage of long-term mortgage rates that are still at historical lows - and you don't have to lock this money in a low-return inflexible ...
by purpleKatz
Sat Apr 28, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 2894

Re: Anyone else use AmazonSmile?

No. I noticed on my one and only purchase that the cost of the item increased by a tiny amount and the amount sent to the charity was a tiny amount. I figured it I was going to donate, I'd do it with a direct check without Amazon knowing my business and without any administrative inefficiencies usin...
by purpleKatz
Thu Apr 26, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 17397

Re: BH travel tips?

Most of my travel tips were already covered. Here are a few not yet mentioned. Miscellaneous useful gadgets: 1) Fish toothbrush holder. Mostly so I can stash my bristles in the fish mouth without bringing a separate bag. https://www.containerstore.com/s/clever-gadgets-novelties/fish-toothbrush-holde...
by purpleKatz
Mon Apr 02, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: The Intelligent Investor
Replies: 14
Views: 2657

Re: The Intelligent Investor

Electronic version on sale again for $2.99
Available at Amazon/GooglePlay/Itunes
by purpleKatz
Thu Mar 08, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Are you ready for Amazon checking?
Replies: 42
Views: 6452

Re: Are you ready for Amazon checking?

I wonder if they plan to give interest as a form of Amazon credit. It would be a good way to generate Amazon sales from those without credit cards. They could also afford to be more generous with the "interest".
by purpleKatz
Fri Jan 26, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Have you ever found an error on your amazon bill?
Replies: 20
Views: 1967

Re: Have you ever found an error on your amazon bill?

Twice this year. Once they didn't apply a coupon on one item because I was applying a credit on a different item. Their chat rep claimed their policy was that no multiple discounts on separate items were allowed, which is stupid. It was on a third party order. I just cancelled the order and placed i...
by purpleKatz
Thu Jan 25, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: How important to maximize tax-advantaged space in my particular case?
Replies: 15
Views: 1118

Re: How important to maximize tax-advantaged space in my particular case?

Not enough information provided. This depends on your tax bracket in retirement since you're essentially pushing your tax liabilities onto your future self. Make a prediction of your future expenses and evaluate your tax breaks based off today's laws to guess at your marginal rate. It's not good to ...
by purpleKatz
Tue Jan 23, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 36848

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I don't - but I've advised a brother to. He's a believer of index funding and understands completely that he can do exactly what the advisor is doing in very little time. However, when it comes to finance, he's has no inclination and no desire to handle the details. He'll leave a year's salary in a ...
by purpleKatz
Sat Jan 13, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6291

Re: Poll: BHs who rent - what % of gross do you spend on rent?

27% back when I was renting. I felt lucky to grab it even though it was right next to a noisy airport and a smelly sewage plant. I very quickly found two roommates who lowered it to 10%. HCOL in Southern California.
by purpleKatz
Sun Sep 24, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 97
Views: 11183

Re: california homeowners - do you have earthquake insurance?

There's a California Residential Mitigation Program that will help with the cost of earthquake retrofits if your zip code qualifies.
https://www.earthquakebracebolt.com/Hom ... gistration
by purpleKatz
Fri Aug 11, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 20925

Re: How far would you travel to see The Eclipse?

Guillaume Le Gentil is the guy who waited 8 years to see the transit of Venis....and missed it again! Talk about unlucky...
by purpleKatz
Sun Apr 02, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Recent Retiree with many questions
Replies: 29
Views: 5586

Re: Recent Retiree with many questions

Comment 1: I don't think you need to do anything drastic to meet your expenses. You'll make it even if the markets do horribly. Assume you take your SSI at age 70. You need $1900 for 39 months and $200/mo afterward to meet $3k/mo expenses. $320000- (39 months x 1900) = $245900. $245900 x 3.5% safe w...
by purpleKatz
Wed Oct 26, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: ER Scenario [Early Retirement]
Replies: 7
Views: 1507

Re: ER Scenario

According to Kitces, a 3.5% SWR is a good baseline for early retirmeent. https://www.kitces.com/blog/adjusting-safe-withdrawal-rates-to-the-retirees-time-horizon/ 2.4m x 3.5% = $84k. I don't know your state tax, but I used Taxcaster to estimate your federal taxes as <$7k. $84k-$7k = $77k after tax. ...
by purpleKatz
Thu Sep 22, 2016 11:48 pm
Forum: Personal Consumer Issues
Topic: Small smartphone recommendation? Anyone use a BLU?
Replies: 27
Views: 3136

Re: Small smartphone recommendation? Anyone use a BLU?

I have a BLU Life One M and I liked it a lot when I first bought it - good specs, sizable with a great screen, and pretty cheap at $100. I bought a 2-year warranty with some of the savings. The problem is after 15 months, things started breaking down but not enough to send it for repair. The screen ...
by purpleKatz
Sat Sep 17, 2016 1:46 am
Forum: Investing - Help with Personal Investments
Topic: Contribute to Roth 401k? Tax related question.
Replies: 9
Views: 1195

Re: Contribute to Roth 401k? Tax related question.

For the backdoor Roth, I like this link for a nice how-to guide. https://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html It explains how you can contribute the full $18k to a Roth OR Non-Roth 401k and still fund 5500 into a separate Roth IRA. Second, with regards to the usual Roth 40...
by purpleKatz
Wed Aug 03, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: WHEN to Roll/Convert...401k/tIRA - Roth
Replies: 4
Views: 573

Re: WHEN to Roll/Convert...401k/tIRA - Roth

To implement the Mega-Roth, you fill up the first 18k with pre-tax (or post-tax, your choice), and the remainder up to 53k (minus employer contributions) to after-tax. You have automatically paid income tax on the after-tax/post-tax accounts, so you just want to minimize tax on the profit of the aft...
by purpleKatz
Sun Jul 17, 2016 9:57 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 6211

Re: Who do you not tip, and why?

To some extent there is a correlation between tipping and service. I regularly visit restaurants where the patrons regularly tip between 10-15% with a fast table turnover rate and other restaurants where the tipping practice is 20%+ with a slow table turnover rate. Let me assure you that the service...
by purpleKatz
Fri May 13, 2016 5:16 am
Forum: Personal Consumer Issues
Topic: Quality; shower hardware where to find it?
Replies: 23
Views: 2168

Re: Quality; shower hardware where to find it?

JoinToday has good advice. When I did my bathroom remodel I worried about getting compatible parts and finish colors in the future. Also in reference to what btenny noted - look the specs of your showerhead/faucet when you pick it out. If you're based in California or New York, there's a low flow ra...
by purpleKatz
Fri May 13, 2016 4:51 am
Forum: Personal Consumer Issues
Topic: Cell Plans
Replies: 22
Views: 2668

Re: Cell Plans

I'm on the Cricket Wireless family plan but arranged Ringplus for my niece/nephew. The pros with Cricket Wireless is that it takes GSM phones and is on the ATT network which works better in my area. Their family plans are very good bargains if you're okay with their basic offerings. You can easily f...
by purpleKatz
Fri Mar 25, 2016 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: In-Plan Roth Conversion - Worth doing?
Replies: 5
Views: 1491

Re: In-Plan Roth Conversion - Worth doing?

Final update: Decided to do the In plan roth anyway after using the very helpful spreadsheet contained in the wiki to determine tradeoff between traditional vs private+roth conversions when maximizing. https://www.bogleheads.org/wiki/Traditional_versus_Roth Admittedly it's very much a grey area, but...
by purpleKatz
Sun Dec 13, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: Where to buy Surface 3 tablet
Replies: 9
Views: 1486

Re: Where to buy Surface 3 tablet

Best buy is selling the 128gb Surface Pro 3 for $599. You can also get a $100 coupon if you know a college student who will sign up for their .edu discount. $599 - $100 = $500 http://www.bestbuy.com/site/global/college-student-deals/pcmcat276200050000.c?id=pcmcat276200050000 The Surface Pro 3 is an ...
by purpleKatz
Wed Nov 18, 2015 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Behind [saving for retirement]
Replies: 25
Views: 5254

Re: I'm Behind [saving for retirement]

I've always liked this article (a little outdated now): http://www.obliviousinvestor.com/how-far-does-300000-of-retirement-savings-go/ but it basically states that middle-class Americans retiring with $300k in retirement savings can, on average, freely spend $34k/year. You'll have more with your COL...
by purpleKatz
Wed Oct 21, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: New sofa recommendation : Sofa that lasts long
Replies: 24
Views: 4001

Re: New sofa recommendation : Sofa that lasts long

Macy's has a "worrynomore" furniture policy that covers tears and stains. If you never use the policy, you get the 100% of the money back after 7 years. You're just out the depreciation for the policy.
by purpleKatz
Sun Oct 11, 2015 2:58 am
Forum: Personal Consumer Issues
Topic: Verizon increasing rates on unlimited data plans; other options
Replies: 16
Views: 2744

Re: Verizon increasing rates on unlimited data plans; other options

Verizon uses CDMA phones. If you want to keep everything the same (same phones, same network), you can always port your numbers to Pageplus - which is a Verizon MVNO. Their 5GB,unlimited plans are $55 and you can give your in-laws the $25 pay as you go plan (416 min/120 days) or $80 pay as you go pl...
by purpleKatz
Wed Jun 17, 2015 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: In-Plan Roth Conversion - Worth doing?
Replies: 5
Views: 1491

Re: In-Plan Roth Conversion - Worth doing?

Alan – I’m pleased that contributing to a Roth 401k isn’t going to mess up my eventual early Roth withdrawals as long as I do so intelligently. My crystal ball is a little fuzzy on projections and future tax laws, but if I continue as planned by maximizing the 401k with the remainder to the Roth, I’...
by purpleKatz
Tue Jun 16, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: In-Plan Roth Conversion - Worth doing?
Replies: 5
Views: 1491

In-Plan Roth Conversion - Worth doing?

First time poster here and need advice on whether an In-Plan Roth Rollover (IRR) would be suitable for my situation. I am in the 25-28% bracket, contributing the $53k retirement maximum via the Mega Roth while spending down taxable assets. This includes a fully funded 401k that will cover income dur...
by purpleKatz
Mon Jun 15, 2015 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose: Roth401k or Trad401k?
Replies: 31
Views: 3624

Re: Help me choose: Roth401k or Trad401k?

I agree that if you expect to stay in the same state and have expenses lower than what you're paying now - then it sounds like the traditional is now right for you. I don't know your situation, but assuming you have $100k in t401k assets now, and you and your wife max out $36k in t401k contributions...