Search found 398 matches

by jjunk
Mon May 18, 2020 8:56 am
Forum: Personal Investments
Topic: Moving from Treasuries to CDs
Replies: 19
Views: 1246

Moving from Treasuries to CDs

As the initial virus hit the stock market, I moved my 40% allocation in Total Bond to Intermediate Treasuries. I hold roughly 15% of that allocation in my taxable account. I did this mostly because I didnt like the risk characteristics of Total Bond and its exposure to riskier credit assets, especia...
by jjunk
Tue Apr 14, 2020 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: New to Seattle area - where to buy a house
Replies: 28
Views: 2456

Re: New to Seattle area - where to buy a house

I'd echo what someone said above and rent. The vibe in each area around this area is very different depending on what your personalities are. Also, as everyone has mentioned, traffic here is no joke. You'd be best to live close to work as possible, it will save you a lot of hassle in the end. I live...
by jjunk
Sat Apr 04, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6963

Re: What Amazon Prime (free) movies y'd recommend ?

lthenderson wrote: Sat Apr 04, 2020 2:54 pm I just finished season 3 of Ozark on Netflix.
+1 for Ozark. One of the best shows I've seen since Breaking Bad
by jjunk
Tue Mar 24, 2020 4:18 pm
Forum: Personal Investments
Topic: Thread: It’s your First recession (or not) and you’re staying the course
Replies: 65
Views: 3862

Re: Thread: It’s your First recession (or not) and you’re staying the course

Not my first go round, but the first where I had enough money that the paper losses "hurt". The things I decided to do: TLH in taxable from S&P to Total US Market when appropriate Swapped my Total Bond fund at Fidelity for Intermediate Term Treasury fund Started saving up cash in an ac...
by jjunk
Mon Mar 16, 2020 11:04 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 173
Views: 10727

Re: What is your AA, given your age ? and this crisis ?

I'm 47. 60/40 and plan to be for the remainder of life. I am effectively FI, especially true if I move to a cheaper COL area. I plan to work another 5yrs or so and then figure out what I want to do.
by jjunk
Fri Feb 28, 2020 3:05 pm
Forum: Personal Investments
Topic: Asset placement in current interest rate environment
Replies: 5
Views: 373

Re: Asset placement in current interest rate environment

Excellent, thanks for the link!
by jjunk
Fri Feb 28, 2020 12:28 pm
Forum: Personal Investments
Topic: Asset placement in current interest rate environment
Replies: 5
Views: 373

Re: Asset placement in current interest rate environment

My marginal rate is 24%, effective has been ~19% the last 4-5yrs now and likely wont change much.
by jjunk
Fri Feb 28, 2020 12:06 pm
Forum: Personal Investments
Topic: Asset placement in current interest rate environment
Replies: 5
Views: 373

Asset placement in current interest rate environment

Given the recent downturn, I find myself in a position to rebalance my asset allocation. I currently hold only the S&P 500 ETF and the Fidelity Total Bond. All of my tax deferred accounts (RIRA, 401k) are in the bond fund. In my taxable account, I hold an additional ~400k in the bond fund, mostl...
by jjunk
Sun Feb 16, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1290
Views: 77025

Re: What are you listening to now

Sybarite5 - Everything in its right place

Classical group which did some really great instrumentals of Radiohead
by jjunk
Thu Feb 06, 2020 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Tech Jobs (Defense vs. FAANG)
Replies: 21
Views: 3098

Re: Tech Jobs (Defense vs. FAANG)

I've worked at one of the big 5 for 20+years now. Efficiency is not a word I would use to describe how we get things done :happy
by jjunk
Sun Feb 02, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

1917 - Thought it was ok but not really worth the hype. Excellent cinematography though Jojo Rabbit - had big hopes for this one as well but it really let me down. I just didnt like it and dont think it should be in the Oscar discussion Richard Jewell - this was excellent, the actor who played Jewe...
by jjunk
Sun Feb 02, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 62924

Re: Books that changed your life

The Checklist Manifesto: Atul Gawande
10% Happier: Dan Harris
Why Buddhism is True: Robert Wright
The Power of Habit: Charles Duhigg
by jjunk
Wed Jan 22, 2020 12:05 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2544
Views: 257734

Re: [What TV Show Have You Recently Watched?]

Succession on HBO. Its a great show and reminds me a lot of Game of Thrones family issues without the violence and nudity.
by jjunk
Wed Jan 01, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

• Star Wars Rise of Skywalker – took me two weeks to actually see this and words cannot describe how much I hated it. Seriously, aside from Ep1, this was the worst SW film yet. • Little Women – Probably the best overall movie I’ve seen in 2019. Great story, acting, everything. Seriously, go see it. ...
by jjunk
Thu Dec 26, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

We also just saw Marriage Story. Thought it was very well done. Additionally we just watched Judy, the biopic on Judy Garland. It's worth watching for Renée Zellweger's performance alone. Easily the best acting I've seen this year outside of Joker. We didnt know much about Mrs. Garland but she had a...
by jjunk
Thu Dec 26, 2019 8:00 pm
Forum: Personal Investments
Topic: Qualified dividends, MAGI and the ACA
Replies: 3
Views: 355

Re: Qualified dividends, MAGI and the ACA

Excellent, thank you both for the information. Thats more in line with how I understood it as well. I appreciate the help!
by jjunk
Thu Dec 26, 2019 7:18 pm
Forum: Personal Investments
Topic: Qualified dividends, MAGI and the ACA
Replies: 3
Views: 355

Qualified dividends, MAGI and the ACA

I'm not retired yet, but have been researching more on the ACA as part of planning for early retirement in the next few years. In doing some research, I came across this blog (https://www.fiphysician.com/magi-calculation-deep-dive-for-irmaa-and-premium-aca-tax-credits/) which generated a question on...
by jjunk
Wed Dec 25, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 95
Views: 14029

Re: Your Monthly Cost of Living

For two.... 1. Housing: rent/mortgage/utilities - $3100 for rent/parking...$275 for utilities 2. Transportation: car, insurance, license, registration, gas, maintenance - $300/mo 3. Food: groceries, restaurants - $800/mo 4. Other - $550 for things like cell phone, clothing, personal care items, hair...
by jjunk
Sat Dec 07, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

The 400 Blows (1959) Viridiana (1961) Stalker(1979) Salo (1975) 8 1/2 (1963) Mondays in the Sun (2002) Road (1982) Mullholland Drive (2001) 2001: A space Odyssey (1968) Old boy (2003) Nobody knows (2004) I hear you all saying these are too old for you :oops: 2001 is one of my all time favorites. Ol...
by jjunk
Fri Dec 06, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

Regarding Sat a.m. cartoons, well, I saw very little of Looney Toons as a kid but now as an adult it's really fascinating to get acquainted with it as a creative art form where they worked extremely hard and long hours just to make one cartoon segment. Anyhow, sure, I'll post after I see the Hanks ...
by jjunk
Fri Dec 06, 2019 1:14 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

To jjunk: You were surprised I'd never once seen Sesame Street nor Mr. Rogers ... I saw some episodes of Rocky the Flying Squirrel (Rocky and Bullwinkle) and Tom and Jerry, and The Flinstones... I don't know why no one ever turned on Mr. Rogers at all. I'm not sure what you meant when you said 'the...
by jjunk
Tue Dec 03, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: How is Columbia SC, for living ? transition to semi retirement ?
Replies: 26
Views: 3205

Re: How is Columbia SC, for living ? transition to semi retirement ?

I lived in Charlotte for almost 20yrs and spent many, many days in Columbia. It's hot, humid and IMO, ugly. As others have said, Charleston and Greenville are much nicer areas to be in and look at. The redeeming qualities are that is cheap CoL, the university brings some culture to the area and we a...
by jjunk
Sun Dec 01, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

We just finished watching "The Report" and it was excellent. Very interesting story about the torture report from 10yrs ago and how it came to be. Adam Driver was very, very good. Definitely recommend.
by jjunk
Sun Dec 01, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

A Beautiful Day in the Neighborhood (A-) : My wife absolutely hated this movie. I really liked it. Hanks was incredible as always but I thought the story was interesting and showed more about the spirit of Mr. Rogers than anything else. Speaking of the spirit of Mr. Rogers ... I had an epiphany the...
by jjunk
Sun Dec 01, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

Why did your wife 'absolutely hate' "A Beautiful Day in the Neighborhood'? Was it because she liked the actual documentary on FR better, or she didn't like FR< or what? I saw the documentary about him and liked it a lot. I'm one of the few people I suppose who never, not even once, happened to...
by jjunk
Sun Dec 01, 2019 12:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

Frozen 2 (B) : Not as good as the first one which was already my least favorite Pixar movie going in. One really funny mid-80s song in the middle made it worth seeing for me though. Ford vs. Ferrari (B) : Not as good as I was hoping. 30mins too long but solid acting and a good tribute to one of the...
by jjunk
Mon Oct 21, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

New movies this week for me included: Zombieland #1 : I dont like zombie movies but this was funny, if a bit over the top violent. I wanted to see this to see if the second movie was worth watching. Based on the first one, I plan to see the second. Not quite Sean of the Dead but entertaining The Gam...
by jjunk
Mon Oct 21, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

Joker - excellent movie IMO. Great acting, cinematography and score If I generally can't stand Joaquin Phoenix, will I be able to enjoy "Joker" or should I just skip it altogether (as is my instinct)? If thats true, I'd probably tell you to avoid it. I dont love or hate him but I thought ...
by jjunk
Sat Oct 19, 2019 7:21 pm
Forum: Personal Investments
Topic: Priotized Investments wiki - for a Microsoft Employee
Replies: 16
Views: 2443

Re: Priotized Investments wiki - for a Microsoft Employee

Yes, thats correct. It effectively takes the annual maximum, less the anticipated company match for the year, out of my first check.
by jjunk
Sat Oct 19, 2019 7:02 pm
Forum: Personal Investments
Topic: Priotized Investments wiki - for a Microsoft Employee
Replies: 16
Views: 2443

Re: Priotized Investments wiki - for a Microsoft Employee

No affiliation with Microsoft, but I think your item #6 on HSA contributions needs clarification. You list $4500 as the maximum, but this is only for individuals over 55. Below that, individual maximum is $3500 and family coverage maximum is double at $7000. After 55, you get a $1000 catch-up on ei...
by jjunk
Sat Oct 19, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

Joker - excellent movie IMO. Great acting, cinematography and score Stuber - silly movie but a fun ride (no pun intended if you know what the movie is about) The Game Changers (Netflix) - documentary about veg/vegan lifestyle and performance. Nothing new here if you know about veganism but some inte...
by jjunk
Sat Oct 19, 2019 12:16 am
Forum: Personal Investments
Topic: Priotized Investments wiki - for a Microsoft Employee
Replies: 16
Views: 2443

Re: Priotized Investments wiki - for a Microsoft Employee

There are several Bogleheads internally and we have a lot of this already documented. PM me if you want to know where we store it.
by jjunk
Thu Sep 19, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 28645

Re: IT compensation comparison

There's a huge difference between FANGM (the big boys) and everybody else - namely the stock packages and stock compensation. The short answer is: $180K quite normal at the 3 year mark if you add that all together for software engineers at a top tier tech company. They would likely be earning >$300...
by jjunk
Fri Sep 06, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425303

Re: What Movie Have You Recently Watched?

Dark Phoenix - Latest movie in the X-Men series. Acting wasnt very good, nor was the story but the action scenes made it watchable First Blood - DW had never seen a Rambo movie before and that needed to be fixed. She hated it, I watched it for probably the 30th time John Wick Parabellum - Third movi...
by jjunk
Mon Aug 19, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 5654

Re: How to define "HCOL" (high cost of living) areas?

This is a list of household income by county. It is a better indicator of HCOL area IMHO. High income means higher prices for everything. 1 Loudoun County Virginia $134,464 2 Howard County Maryland $120,941 3 Fairfax County Virginia $115,717 4 Hunterdon County New Jersey $113,684 5 Santa Clara Coun...
by jjunk
Thu Aug 08, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Mentoring in the office - what to expect?
Replies: 25
Views: 3291

Re: Mentoring in the office - what to expect?

My best mentee's have been those who come into the conversations with an initial idea as to what they'd like to get out of the interaction. Do you want to know more about what being a good M1 is? Are you having issues dealing with tough employee conversations? Are you looking for advice on how promo...
by jjunk
Thu Aug 08, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Silicon Valley Interview Attire
Replies: 30
Views: 3281

Re: Silicon Valley Interview Attire

I'd look at what the CEO wears and mimic that. If you can't do that, then go with T-shirt, jeans and sneakers - but not sloppy ones. This. Most of the graduates I interview are generally in a decent pair of jeans, clean sneakers and a t-shirt. Just dont have anything stupid on the t-shirt and you'l...
by jjunk
Fri Jul 26, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HMO
Replies: 18
Views: 1781

Re: PPO vs HMO

In the HMO system, as a new to the plan patient, there's a non-zero chance my first need for care will be related to my currently chronic issues. How often do you change plans? (Asking because I really don't know how common it is: in my five years living in the US, I've stayed with the same insurer...
by jjunk
Fri Jul 26, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HMO
Replies: 18
Views: 1781

Re: PPO vs HMO

I guess this is very unamerican of me, but I really don't get the aversion to HMOs. I dont have an aversion to HMOs per se, just the gatekeeper aspect of it. For example, I suffer from a couple of different gastro issues which are chronic and will be with me the remainder of my life. They'll never ...
by jjunk
Fri Jul 26, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: PPO vs HMO
Replies: 18
Views: 1781

Re: PPO vs HMO

I just wish there were more states with PPOs still available in the ACA. In my home state (WA), we no longer have PPO options in the networks, only HMO and EPO (at least last time I checked). Since I have existing relationships with several specialists I definitely want to maintain, my only option i...
by jjunk
Fri Jul 26, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 156
Views: 15974

Re: Equifax Settlement Claims

I submitted mine for 7hrs of time. I figured it covers the cost of actually paying for the freezes I had to pay for as well as the time spent researching (like you mentioned). I get free credit monitoring from work so I also took the $125.
by jjunk
Thu Jul 25, 2019 11:15 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

Further testing by others and Kitces himself has shown the reverse glidepath to pretty much be bunk. A fixed AA has done at least as well. There are threads you can find about it on this forum. I found a few links. https://www.bogleheads.org/forum/viewtopic.php?t=165050 https://www.bogleheads.org/f...
by jjunk
Thu Jul 25, 2019 10:41 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

I've seen plenty of threads and articles about sequence of returns risk. This creates a bit of a paradox as I need/want the security of a higher bond allocation to reduce overall risk as we inch closer to retirement but I need (or feel I need) the higher risk/return potential of the extra equity ho...
by jjunk
Thu Jul 25, 2019 10:28 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

So just to be crystal clear, you're delaying retirement because you don't want to cut your current spending by around 10%? I'm not saying that that is unreasonable at all. Truth be told, I'll probably work at least 3-4 years later than I need to for this same reason. However, you need to be very co...
by jjunk
Thu Jul 25, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

One source you might find helpful is Michael H McClung's Living Off Your Money. The author has a computer science background and his deep dives on AA and variable withdrawal strategies are very interesting. :sharebeer I love Michael's work! Glad to see so many others have read his book, its fantast...
by jjunk
Thu Jul 25, 2019 9:53 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

But it sounds to me like you really just need a career break. You can do anything. That doesn't mean you have to do nothing. It seems like you're limiting your options too much . I personally wouldn't take any job that requires 60 hours/week. Technical skills are transferrable to a different type o...
by jjunk
Thu Jul 25, 2019 9:48 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

I wonder if you could split the difference with your wife. Since you have a lot of discretionary spending, could you cut spending by 10% so that you could save more and retire earlier? No amount of money will replace your health. Yes, we could do this fairly easily. I dont know how much difference ...
by jjunk
Thu Jul 25, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

Unclear whether you used the highest premium for your age or the highest premium for a 64+ year old. I'd recommend at least looking at the later. ACA premiums really start to rise in your 50s into 60s (pre - Medicare). This still isn't a great estimate but don't plan on paying 45 year old ACA premi...
by jjunk
Thu Jul 25, 2019 9:43 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

...my current holdings would give me a 4% SWR which easily pays all of my required and discretionary spending. I'd like that to be closer to a 3.5% SWR for the added safety and buffer. We can easily cut our spending by 20% if we need to and not be disappointed. Someone please slap me in the face if...
by jjunk
Thu Jul 25, 2019 6:09 pm
Forum: Investing - Theory, News & General
Topic: Early retirement - when to start thinking about less equity?
Replies: 34
Views: 3271

Re: Early retirement - when to start thinking about less equity?

KlangFool wrote: Thu Jul 25, 2019 3:30 pm OP,

In my opinion, you need to look at your AA another way too. Is 40% of your portfolio equal to 10 years of your annual expense? If not, 60/40 might be too aggressive for you.

KlangFool
Thanks for the response. Yes, 40% of my portfolio covers 10yrs of expenses (at my higher QOL number).