Bogleheads.org

chonp3

Because of a sale of the business I work for, I have the ability to contribute to my existing SIMPLE before we switch to the new owners 401k. I would be able to get near the max for the year in the simple by deferring all salary to it, and would also like to max the 401k when it becomes available. I...

chonp3

Have you tried using an asset allocation questionaire, such as
https://personal.vanguard.com/us/FundsInvQuestionnaire

chonp3

I much prefer mornings to nights. Something about that calm quiet when everybody else is asleep.

4:45 M-F which allows me to make lunch and walk the dog for 30 minutes before heading to work at 6:15. In bed usually 8:30-9.

Wake up naturally around 6a on weekends.

chonp3

I created a new Trad IRA after two years had elapsed on my Vanguard SIMPLE and do yearly transfers from SIMPLE to IRA. This achieves a .1 lower expense ratio. Not much immediate savings, but compounded I figure it's worth it for the minimal amount of work. I guess i'm still paying the $25/yr fee per...

chonp3

I am in shorts and a t shirt every day for work, colors vary though. 5 pairs of the same shorts, 10 t-shirts. Shorts get worn twice. Laundry every two weeks. No thought process involved in dressing. There's a few months here in southern CA where jeans will make an appearance

chonp3

Have used them for two refis. Both went very smooth and done in under 30 days. Best rate available at the time. Would use again

chonp3

I will pick up a few bucks worth on road trips while refueling. Yearly expense under $10

chonp3

Transunion had the worst experience for freezing. After twenty minutes on a unintuitive website, the last page would not permit me through. Another 20 on the phone, and finally frozen. Upon checking bank, two pending charges for the freeze.

Experian and Equifax were both under 5 minutes online.

chonp3

Glad to hear I'm not the only one. I have two funds in taxable, total US and total INT, but only INT shows cost basis information. Believe it occured when I converted to admiral shares. I ignored until recently another purchase was made and lots are not being divided. SpecID is selected, but it appe...

chonp3

As a former AC tech, for very small leaks we would use a leak sealer sold in the AC wholesale warehouses. It's added into the refrigerant lines at the service valve, and seals from the inside out. Same stuff is on amazon - https://www.amazon.com/Refrigerant-Leak-Kit-1-1-Tons/dp/B00559WTD2 . It works...

chonp3

Former hvac installer here, 5-600 sq ft per ton is normal, so a 4 ton for your home does not seem oversized, esp with multi stage. You could size lower with zoning. I wouldn't care too much about brand, they're all essentially the same. We installed Goodman and Amana, they are nice units with great ...

chonp3

+1 on the Stanleys. My favorite tape. I prefer the regular ones (not fatmax), they are contractor grade. The return is so smooth, those cheap ones will snap back so fast and pinch your fingers. Should be magnetic, the tape itself is a thin gauge steel.

chonp3

For your desired allocation of 70/30 with 20% international, a tax efficient allocation would look like:

$22,400 Total US stock
$5,600 international
$12k total bond
Total = $40k

Her Roth
6k Bond
5k US Stock

His Roth
6k Bond
5k US Stock

Taxable
12.4k US stock
5.6k Int

chonp3

I don't know how it happened, but I applied during the black friday deal and received a premium edition fed/state for free. Figured must be a mistake, but I filed last week and it was indeed no cost.

chonp3

Yes it will

chonp3

You mention you mainly just browse the internet...

I have been extremely happy with my Chromebook.

chonp3

In theory an energetic person who makes a serious hobby out of pursuing these kinds of offer possibly can pick up a few thousand dollars over a few years, people sometimes say they've done it and possibly they have. 2016 taxable interest from bank account promos for me alone was $3150 from 15 diffe...

chonp3

As a former HVAC installer, we would use two stage units esp when the system was zoned. This was in mild climate however. If it were me and there was no zoning, I'd go single stage.

chonp3

Count the red flashes, the diagnostic table is usually printed on the inside of the furnace door. Sounds like your inducer motor is not pulling a vacuum, meaning your sensor is bad or your exhaust pipe is blocked (located on the roof or sidewall), or something to do with ignition. Counting the flash...

chonp3

I view the HSA almost as valuable as Roth and prefer to keep Total stock exclusively, to hopefully maximize growth. If in an emergency you need to withdraw from HSA, you could rebalance by selling bond and repurchasing total stock in 401k or whichever account you hold your bonds in. This is the same...

chonp3

Still getting by just fine with my 2003 32" lcd. Could get a much nicer one for a few hundred at costco, but can't justify.

chonp3

I guess you could say I am third in command at my family's business, and vacation time usually correlates with workload. I've taken one week off each of the last three years, and have been given grief for doing so. This year is looking like a bad year to take time off. Technically though, I'm given ...

chonp3

My 90/10 three fund is only up 2.88 and I'm feeling kinda bummed reading about everybody elses

chonp3

31 now, net worth of about 300k.

Financial independence goal of age 45 (Fingers crossed)

chonp3

I found this old thread which may be of some help https://www.bogleheads.org/forum/viewtopic.php?t=161998 In particular, Re: Tax Loss Harvesting Wash Sale in Roth IRA Postby House Blend » Thu Mar 26, 2015 7:40 am ^As I explained upthread, that's not how the calculation works. Let me try again, this ...

chonp3

I understand this. My question is if selling the recent distribution inside Roth would clear the wash sale, since it cannot be considered a replacement share if sold?

chonp3

Total international in Taxable has $500 in losses as of today. If it continues to grow next week I am considering a first time TLH -Reinvest dividends is turned off in Taxable, last purchase was 5/31. Cost basis is set to specID -I ALSO hold Total Int in ROTH IRA, which is set to reinvest dividends....

chonp3

Same here on my hotmail address.

chonp3

I subscribe to the DoctorofCredit site as well, and strictly do the bank bonuses. Starting from Jan of this year, I am up to $2k. If you have a spouse, many can be done 2x. Not bad for just moving an e-fund around and changing some DDs.

chonp3

Hello, My girlfriend of 3 years is currently contributing $800 to our monthly home expenditures (10k per year). I have been putting this 10k into my taxable as I can cover the mortgage by myself. She is about 10k shy of maxing her 401k per year. My thoughts are this money would be better saved in a ...

chonp3

I've been looking into this same question but have not yet started getting quotes.

Is it possible or advisable to only get DI until let's say, age 45/50... at which point if the stars align one may be able to self insure?

chonp3

Spoke with a Vanguard rep this morning and confirmed if both the Simple and Traditional are held with Vg, the process can be done online by exchanging funds from simple to traditional, as often as I please.

chonp3

I was asking your same question last year and, upon reading the wiki, decided to split the target date fund into its individual components and put int'l and TSM into taxable for tax efficiency. Saved a few basis points in the process as well. Holding a TDF early on in a taxable would not matter much...

chonp3

Countless previous threads on this. I would vote for Ally esp. since you already have an Ally savings. Transfers between the two accounts are instant, and you will have free overdraft transfer. Customer service is never more than a minute or two wait. I have had Ally checking/savings for the past 5 ...

chonp3

Thank you, I will call Monday and update the post for future searches (I'm surprised I could not find this question previously asked).

chonp3

I have a Simple IRA through work with Vanguard and would like to transfer to a Vanguard Traditional IRA for the ability to purchase admiral shares. I have met the two year requirement. Any experiences with this process? All I have been able to find is the trustee to trustee transfer instructions whi...

chonp3

Qtman wrote:My wife and I ate refried kidney beans and home made tortillas for decades, they are cheap and healthy. If you ask our children in their 30s they will tell you homemade bean burritos are still their favorite meal. Lettuce, tomatoes added make an excellent meal - and they are CHEAP.

Recipe?

chonp3

It's all spelled out in the fine print. Read and re-read it until you understand it. Usually the account cannot be closed for 6 months, but you can withdrawal your 15k after 3. Just keep the minimum to avoid monthly fees for the remaining 3 mos. Write yourself a check with the free ones they supplie...

chonp3

Well, looks like I'll be purchasing less from Amazon. Even at $35, my cart would often sit half full for a month or more until free shipping was achieved, often resulting in the items no longer being desired.

chonp3

I took part in Discover's 300/100 checking/savings promo last year and did not receive on time. From other comments I have read, this is common for Discover. A phone call, and an "investigation", took care of it. If you are inclined, the CFPB, a gov agency that receives reports of this typ...

chonp3

Same experience. I had cat food on subscribe and save. I never bothered looking at the price, for some reason I thought it was locked in at the time I set it up and I would be notified if there was a change. Well, my cats were getting low on food and I received an email from Amazon the day I was sup...

chonp3

First time using Taxact this year. Entered all info into both TT and TA. TT wanted $90 fed/state efile, TA $15. Decision was easy. https://www.taxact.com/applications/file-now/?d=d4&tle=fc212jhphcclcjtp2fk1jlh2tq2qclhp22h1hutmuktcu1tIkpkx#/register?product_code=15CRPLUFEDFEDOL&promo=plus15

chonp3

I worked in the heating trade for many years, often a louvered door was necessary to provide make up air for combustion. The lack of a louvered door could be the code violation. I wouldn't worry about it. Install a CO detector, have your gas company check it out for free. If there was something obvi...

chonp3

After using a hotmail account for over 10 years, I've become frustrated with the new Outlook Preview upgrade. It links all of MSNs products through the email inbox, which means the inbox takes 5-10 seconds just to load. Prior to this it was instantaneous. I've checked out GMail, and it's somewhat si...

chonp3

I grew up and still reside in Ventura County and it meets everything you have listed. The Conejo Valley is separated from the coast by the Santa Monica Mountains (great hiking/biking), and has some of California's best schools. Thousand Oaks and Newbury park are great and should fall into your budge...

chonp3

If you save the receipts for your $6k per year qualified expenses, you can withdraw the accumulated expenses tax free in twenty years, or whenever you choose.

https://www.bogleheads.org/wiki/Health_ ... ithdrawals

chonp3

I, like you, enrolled with TD Ameritrade through HSA Bank this year. I'm planning to keep $5k in HSABank to avoid the monthly fee and to meet deductible in case of emergency. The rest I was planning on doing lump sum in January each year. I just purchased my first Vanguard Total Stock Market commisi...

chonp3

I use a Garmin edge 500, can get for about $150. Basic map display, but you can export routes created online to get a cuesheet of turns. Works well for traveling.

chonp3

Favorite finance podcasts-
Jill on Money
Dough Roller
Radical personal finance
Marketplace

Favorite general podcasts-
Common Sense (Dan Carlin from Hardcore History.. current events)
The After Disaster
Miscellaneous Adventures from the world of Mike Carano
Film Vault

chonp3

50-55% gross
Topped off efund plus received 25% raise last year

Search found 76 matches