Search found 4841 matches

by inbox788
Sat Apr 14, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: What hedge strategies do you employ?
Replies: 29
Views: 2411

Re: What hedge strategies do you employ?

1b) However if you work in an unrelated industry, and have very high energy costs, then it would make sense to tilt toward energy. If your energy bills go up, presumably your stocks will go up too, and vice versa if your energy bills go down, then it’s less painful for that sector to go down too. I...
by inbox788
Fri Apr 13, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Employee IPO windfall - mid 7 figures
Replies: 30
Views: 3392

Re: Employee IPO windfall - mid 7 figures

Nice! I'd consider the 50/50 solution if you don't have any direction. And since this is a windfall, I'd take at least 25% off the table because it seems to still be quite meaningful, and I'd leave at least 25% to ride so as not to regret taking it all off. What sounds better, cash out 25% or 75%? O...
by inbox788
Fri Apr 13, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: DAF question
Replies: 18
Views: 1136

Re: DAF question

If, on the other hand, somebody were foolish enough the sign a legal contract to donate $5000 per month to their local church for the next three years, with the church obtaining a lien on their house, then the IRS would likely frown upon the DAF processing these grants. I was kidding about the buil...
by inbox788
Fri Apr 13, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: DAF question
Replies: 18
Views: 1136

Re: DAF question

There goes my idea of naming a building after me with my DAF donation. What constitutes a "legally binding pledge"? And does signing a simple pledge donation commitment (e.g. I pledge to donate $100 to Wonderful Charity) qualify or one of those standard charity forms with checkmarks and amounts? A c...
by inbox788
Fri Apr 13, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Best Leather Checkbook
Replies: 15
Views: 808

Re: Best Leather Checkbook

How many checks do you write a month? How many on the go? What are you still writing check for? And are they for different recipients each time or mostly recurring? I don't think I write more than 3 and it's almost always at home. I don't need anything to carry or impress others, and the plastic cas...
by inbox788
Fri Apr 13, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3146

Re: Any aggressive index funds in your portfolio?

Just curious to know how many of you here tilt toaward any Small or mid caps with Vanguard Aggressive Growth Index Funds (VMGIX, or VASGX)? My wife and I are both currently young (33 and 29) and was just curious if it would be worth it to invest in one of the aggressive growth funds while still a l...
by inbox788
Fri Apr 13, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Which would you choose if you were me ?
Replies: 29
Views: 2955

Re: Which would you choose if you were me ?

The $4M is now totally in total stock fund which scares me. I think there must be another recession/crash in the next 15 years and I dont want to risk our spending money. Which fund? If it's 100% total stock or total us stock, why? https://www.bogleheads.org/wiki/Asset_allocation#Ability.2C_willing...
by inbox788
Fri Apr 13, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 586

Re: [ANOTHER!] HSA/HDHP or PPO plan?

The deductibles are calendar year (Jan - Dec), but the plan year is Jun - May. We only have one open-enrollment period, in May, and then the choice sticks (barring a qualifying event, like having a kid or getting married, all of which we've experienced in the last few years) till the next May. It's...
by inbox788
Fri Apr 13, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Which would you choose if you were me ?
Replies: 29
Views: 2955

Re: Which would you choose if you were me ?

FWIW, I'm getting over $8k/month at https://www.immediateannuities.com/ even with 15 year guarantee. VWIAX - Vanguard Wellesley Income Fund Admiral Shares VWEAX - Vanguard High-Yield Corporate Fund Admiral Shares Bond Ratings SectorVWEAX US Goverment0.00% AAA4.44% AA-0.01% A0.00% BBB4.65% [b]BB44.37...
by inbox788
Fri Apr 13, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 586

Re: [ANOTHER!] HSA/HDHP or PPO plan?

We're currently on the HDHP. I think for me the reason the indiv deductible is relevant is because I meet mine every year, and generally have more doctors visits than the rest of the family (combined). So in my head, in a good year (not this year), we're pocketing ~$1,400 from my employer, plus tax...
by inbox788
Fri Apr 13, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 586

Re: [ANOTHER!] HSA/HDHP or PPO plan?

Ind/Fam Ded: $2600/$5200 OOP Max: $6000/$12000 AFAIK, for a family, the individual deductible is meaningless, so you get $4k from employer and spend first up to that amount and you have $1200 in deductibles left before expenses split 80/20 up to $12,000 (or next $6800.) Also, are you maxing out you...
by inbox788
Fri Apr 13, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 438
Views: 87117

Re: Bank of America/Merrill Edge - Preferred Rewards

Yes. It is my understanding. However, read the fine print. The rule is "make a qualifying deposit to your new account within 45 days," "maintain your qualifying deposit for at least 90 days," and "you'll receive your cash bonus within 2 weeks after the 90-day qualifying period." However, there will...
by inbox788
Thu Apr 12, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 438
Views: 87117

Re: Bank of America/Merrill Edge - Preferred Rewards

i have preferred rewards but never bothered getting a safe deposit box. What are people storing in there? Stuff you want others to have when you exit, probably a will, deeds, titles, account #s, etc etc. Although it's a good idea to let someone know in advance that this box exits. I'm contemplating...
by inbox788
Thu Apr 12, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 84
Views: 4939

Re: How do I make sure IRS receives my manual tax return ?

In some forums it says IRS does not recognize certified or express or priority mail as proof So what is the best way to make sure IRS receives it? I have never filed electronically. I have always just folded the forms in half, placed them into a 6x9 envelope, and mailed. When you have more than 4 p...
by inbox788
Thu Apr 12, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13268

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

37 is too young for a SPIA. The insurance company may not issue it at that age, or they would offer some really horrible returns. It would be worse if he added his wife to it as well (assuming they're of a similar age.) The earliest time to buy a SPIA is generally in your 50's. Prices (and mortalit...
by inbox788
Thu Apr 12, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell individual stock following merger announcement?
Replies: 21
Views: 1017

Re: When to sell individual stock following merger announcement?

So several months ago I made a small investment in an individual stock (note: <1% of my portfolio, which is 95+% index funds). Recently, the company announced an agreement for a cash takeover by another company for roughly double the recent trading range. No, I'm not eschewing index funds! My quest...
by inbox788
Thu Apr 12, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I join a startup?
Replies: 14
Views: 1370

Re: Should I join a startup?

...a decent offer... The salary is meh... ... startup that just completed Series A... The other questions are what are the downsides to joining a startup, let's assume this is where I want to grow career-wise and compensation is ok. How do I evaluate the risks of a startup folding? What other risks...
by inbox788
Thu Apr 12, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Best Buy, $3k TV, should I buy warranty?
Replies: 24
Views: 1510

Re: Best Buy, $3k TV, should I buy warranty?

This was the only product I ever bought an extended warranty on, and I didn't consider it foolish. It broke, and I lived in a second floor condo at the time. They came and took it, fixed it, and brought it back. If you had one of the bigger models, you'll know why this was impressive. If it broke w...
by inbox788
Thu Apr 12, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: “Fund bucket” for new car?
Replies: 14
Views: 1092

Re: “Fund bucket” for new car?

Would save by contributing to intermediate bond index over time Can afford to lose some principle for greater yield You may prefer a savings account; it depends on your time frame. Intermediate bond index is a great suggestion. It goes along with matching duration strategy. In this low interest rat...
by inbox788
Thu Apr 12, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Best Buy, $3k TV, should I buy warranty?
Replies: 24
Views: 1510

Re: Best Buy, $3k TV, should I buy warranty?

Using any premium credit card would have likely gotten you a two year warranty for no cost. What is the cost for another 3 years? $30, go for it....$300 I'd pass. What could actually break on a TV? It is either DOA or dies shortly after turning it on....or it will last for 20 years. Seems very rare...
by inbox788
Thu Apr 12, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4163

Re: New Lexus LS or Tesla Model S

Am I missing something? With a Tesla, you have to charge the battery every 200-300 miles, right? We typically drive our Cadillac 600-700 miles per day on road trips, visiting grandchildren or a warm place in the winter. The Tesla would not be capable of such a trip. Wouldn't this be a factor in the...
by inbox788
Thu Apr 12, 2018 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Tax Underpayment Penalty and Exception
Replies: 11
Views: 741

Re: Tax Underpayment Penalty and Exception

YMMV, but the penalty and interest may not be all that bad. I underpaid last year, but the costs weren't as much as I though. Timing is everything, and I thought I might have fallen under some safe harbor or just gone over, but it's a quarterly measurement and there's a form that just isn't worth th...
by inbox788
Wed Apr 11, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Periodontist at fault?
Replies: 33
Views: 3167

Re: Periodontist at fault?

Sorry - They reviewed the old x-ray from last year. That is what she commented on the "pocket". The reason for the 2nd visit was because the dentist found the abscess in the latest x- rays taken last week. So, a 1 year old xray shows a "pocket" and a current xray shows an abscess? Is there a relati...
by inbox788
Wed Apr 11, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term investment options at BoA for 100K
Replies: 24
Views: 1337

Re: Short-term investment options at BoA for 100K

https://www.merrilledge.com/offers/900offer Looks like that's for IRAs (50% higher bonus) while the other link is only $600 for $200k+ and $250 for $100k. Do these offers peak around tax time, or are there better deals year around, like Black Friday? Looks like you get 30 free trades a month as Pla...
by inbox788
Wed Apr 11, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Periodontist at fault?
Replies: 33
Views: 3167

Re: Periodontist at fault?

OP here - To clarify, there was an x-ray from the dentist but it showed more of the tooth and less of the gum underneath. This x-ray was taken to the periodontist and she did not take any additional x-rays. Would most periodontist opts to take more x-rays in this situation? I don't know which is on...
by inbox788
Wed Apr 11, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13268

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

The goals I would like to achieve are: 1: Receive at least 100k to $120k (inflation adjusted) a year for the rest of my life. 2: Not have to sell more than 2% of my investment per year. 3: Have my investment grow by at least 6% a year on average, over my lifetime. (after I draw the 1% to 2%.) 4. Be...
by inbox788
Wed Apr 11, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12389

Re: Ivy school education. Is it worth it?

Clearly the evidence is that the best thing is to drop out of an Ivy League university: https://en.wikipedia.org/wiki/Bill_Gates Besides Bill, don't forget Mark or Matt or Bucky. http://www.cnn.com/2011/LIVING/04/08/famous.harvard.dropouts.mf/index.html http://www.businessinsider.com/most-successfu...
by inbox788
Wed Apr 11, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have to pay taxes on unrealized dividends?
Replies: 19
Views: 1852

Re: Do I have to pay taxes on unrealized dividends?

I've received dividends from stocks that went ex-dividend in December that could be considered unrealized, but distributed in January. I've always thought the distribution date was the realized dated and used that date and year accordingly, so no did not pay taxes on unrealized dividends until the ...
by inbox788
Wed Apr 11, 2018 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Do I have to pay taxes on unrealized dividends?
Replies: 19
Views: 1852

Re: Do I have to pay taxes on unrealized dividends?

I've received dividends from stocks that went ex-dividend in December that could be considered unrealized, but distributed in January. I've always thought the distribution date was the realized dated and used that date and year accordingly, so no did not pay taxes on unrealized dividends until the f...
by inbox788
Wed Apr 11, 2018 1:33 am
Forum: Investing - Theory, News & General
Topic: Is HSA right for me.
Replies: 6
Views: 786

Re: Is HSA right for me.

What's the max OOP for the plans? Is that individual or family? Also consider how other family member fees might change costs if there are a couple of doctor visits a year vs. a major hospitalization.
by inbox788
Wed Apr 11, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Periodontist at fault?
Replies: 33
Views: 3167

Re: Periodontist at fault?

My wife went to dentist about a year ago since she noticed her gum line was receeding around one tooth in about a 2-3 week timeframe. She was referred to a periodontist who took gum measurements of teeth and then advised to just have the crown on the tooth replaced. My wife got the crown replaced. ...
by inbox788
Tue Apr 10, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 year mortgage
Replies: 6
Views: 1651

Re: 15 vs 30 year mortgage

Can anyone poke holes in my rationale evaluating a 15 vs 30 year mortgage? 100k, 30 yr @4.25% = $492/month (initial principal is $138) 100k, 15 yr @3.75% = $727/month (initial principal is $415) The 15 year results in $277/month more going to principal (415-138) which $235 is caused by the higher p...
by inbox788
Tue Apr 10, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio review - where to put my next dollar of savings?
Replies: 15
Views: 1532

Re: portfolio review - where to put my next dollar of savings?

With your tax rate, I would: 1) contribute enough to my 401k to get the maximum match. No match, no contribution 2) contribute max to a Roth if you can 3) contribute max to an HSA 4) contribute to 529 5) put the rest in a taxable In that order. TravelforFun I'd rank the HSA above the Roth for a hea...
by inbox788
Tue Apr 10, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 47
Views: 3732

Re: How can I get a passport?

I searched for local application acceptance facilities https://iafdb.travel.state.gov and mostly came up with post offices but a few library and city clerk offices came up. Also, one of the locations led me to https://www.passportsandvisas.com which has 10 Regional Offices Around the Country, so if ...
by inbox788
Tue Apr 10, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7833

Re: Cash flow problems - best way to handle?

I would post my budget here and let us tell you suggestions on how to improve your budget. The only long term solution to a cashflow problem is to spend less or make more money. None of your proposals address either of those and in fact they all increase your spending. I am posting my monthly budge...
by inbox788
Mon Apr 09, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is refinancing to 30 year worth it?
Replies: 20
Views: 1981

Re: Is refinancing to 30 year worth it?

529: $12,500 Checking: $7,000 No loans other than a car lease that has $4,000 remaining @ $270/month. Marginal tax bracket: 12 % Current take home income at maximum 401K contribution ($18,500): $4,530 Take home income if I only put 10 % 401K contribution (to just get max match): $5,185 Current mort...
by inbox788
Mon Apr 09, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Home Safe vs Safety Deposit Box
Replies: 84
Views: 16768

Re: Home Safe vs Safety Deposit Box

I discontinued my safe deposit box years ago. I found it inconvenient and costly. I went with a basic 2' x 2' home safe which is anchored to the concrete slab in an inconspicuous corner of the garage with a cardboard box covering it. It is mostly for fire protection but unless a thief is planning t...
by inbox788
Mon Apr 09, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $50k Earmarked for Taxable Account?
Replies: 11
Views: 1155

Re: What to do with $50k Earmarked for Taxable Account?

I don't see good low cost funds in the 401k, so I'd simply start a taxable 3 fund portfolio with $20k VTSMX, $10k VTIAX, and $20k VWIUX.

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by inbox788
Mon Apr 09, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What to do about Wife's Term Life Insurance Policy Nearing End?
Replies: 21
Views: 1588

Re: What to do about Wife's Term Life Insurance Policy Nearing End?

I wouldn't do it. Haven't been convinced that it's worth it in any way. At some point, if you get lucky, like a LTC policy, the premiums you invest may exceed the policy value down the road. If you pass before you expect, you've likely got retirement savings you're not going to need. That's my plan.
by inbox788
Mon Apr 09, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: how much would a new kitchen cost?
Replies: 21
Views: 1707

Re: how much would a new kitchen cost?

I wouldn't put much stock in the TV show estimates. It's going to vary hugely depending on the size of your kitchen, whether you change the footprint, the quality of the materials you pick. We redid ours a few years back and our kitchen isn't huge. DH did all the work himself. Ours was about $13K b...
by inbox788
Mon Apr 09, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: tips on transitioning to a 3 fund portfolio
Replies: 15
Views: 974

Re: tips on transitioning to a 3 fund portfolio

Expense ratios? The iShare funds may not be so bad. You could sort high to low and sell the high expense ratio funds first.
by inbox788
Mon Apr 09, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 3298

Re: Engineering: Quality of school vs. specialized niche degree

FYI, Europe Demolition accident as silo tower falls wrong way and crushes cultural centre 'I simply do not know how it may have gone so bad' https://www.sfgate.com/world/article/Silo-demolition-crash-video-Denmark-12818817.php https://www.independent.co.uk/news/world/europe/denmark-silo-tower-video-...
by inbox788
Mon Apr 09, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy??? [Excess W-4 withholding, got large tax refund]
Replies: 31
Views: 3485

Re: Am I Crazy???

Independent George wrote:
Sun Apr 08, 2018 11:42 pm
As far as I know, there is no option to e-file an estimated tax payment.
FWIW, I've made estimated payments using IRS Direct Pay.

https://www.irs.gov/payments/available- ... direct-pay
by inbox788
Mon Apr 09, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy??? [Excess W-4 withholding, got large tax refund]
Replies: 31
Views: 3485

Re: Am I Crazy???

For me, it's been feast or famine. I've either received or paid big differences after doing taxes, sometimes paying underpayment penalties. Mostly this has to do with variables like capital gains taxes. It's been unpredictable given random sales dates and amounts. And I've had increasing amounts of ...
by inbox788
Mon Apr 09, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Entire $24,000 SEP IRA in Vanguard Health Care Fund
Replies: 34
Views: 2278

Re: Entire $24,000 SEP IRA in Vanguard Health Care Fund

That all said and done, I have held this fund (VGHAX) since 2004-2005 (a bit late in my investing/saving career). I put in $31,375 at that time (2 purchases about 15 months apart). Last summer I was realigning accounts in preparation for upcoming retirement and sold $32K of this fund. Today my bala...
by inbox788
Mon Apr 09, 2018 5:34 am
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 2625

Re: Best place to buy a TV

You asked where, but I'll answer what and when first. I'm assuming it's not a 65" 4k OLED or 88" QLED, but something more modest. Right now, 4k TVs are all the rage, and they may be the future, but I'm not convinced buying one now is the right time. By the time 4k becomes relevant, it may be time to...
by inbox788
Sun Apr 08, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: replace 2004 Honda Accord ?
Replies: 14
Views: 1312

Re: replace 2004 Honda Accord ?

3. transmission fluid - do not replace fluid - if transmission is slipping, or shifting very hard, replace fluid otherwise leave it at this point 4. timing belt tensioner replaced - do not replace TB tensioner - too expensive (if it's actually serpentine belt tensioner replace if cost is less than ...
by inbox788
Sun Apr 08, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Entire $24,000 SEP IRA in Vanguard Health Care Fund
Replies: 34
Views: 2278

Re: Entire $24,000 SEP IRA in Vanguard Health Care Fund

AAPL has beaten the healthcare fund since inception of the fund: ... Shiny expensive phones aren't going anywhere. It's obvious what the better investment is. :moneybag :greedy I think you're comparing Apples to Oranges. Investing only in AAPL potentially would be quite risky, no diversification, v...
by inbox788
Sun Apr 08, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Max-funding an Index Universal Life policy to the IRS limit??
Replies: 102
Views: 4940

Re: Max-funding an Index Universal Life policy to the IRS limit??

1) Cash accumulation in an instrument with added benefits (tax, asset protection, quick access to my money, ect). 3) Standard loan interest is 4%. After 10 years the policy may be eligible for a preferred loan with an interest rate of 3.05% 4) I can cancel however I have already surpassed the "free...
by inbox788
Sun Apr 08, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’
Replies: 88
Views: 12278

Re: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’

Does anyone have a link to a video of Bogle actually saying the quote in context about how he hasn't seen this kind of volatility? I've clicked on a couple of the links and I have yet to see a video with those words actually coming out of his mouth. On the clip I've seen, he talks about how the vol...