Search found 2763 matches

by MathIsMyWayr
Fri Feb 19, 2021 3:29 pm
Forum: Personal Investments
Topic: Diversify away from employer RSUs?
Replies: 17
Views: 968

Re: Diversify away from employer RSUs?

47yo, working for a tech mega-cap. 1.7M in investments (900K in taxable + 800K in 401K), AA is 70/30 and the stocks are in broad indexes (VTI and similar). 800K in unvested employer RSUs which are scheduled to vest over the next two years. I feel I am too exposed to my employer stock and the tech s...
by MathIsMyWayr
Fri Feb 19, 2021 2:44 pm
Forum: Personal Consumer Issues
Topic: No Heat Foods?
Replies: 92
Views: 4889

Re: No Heat Foods?

You may try military rations, MRE, from surplus stores.
by MathIsMyWayr
Fri Feb 19, 2021 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Would a 401(k) or Reg. IRA be equal in real money to about 1/3 less than a similar balance in a Roth IRA?
Replies: 8
Views: 466

Re: Would a 401(k) or Reg. IRA be equal in real money to about 1/3 less than a similar balance in a Roth IRA?

It depends on your marginal tax rate. For example, if the full amount of IRA distribution is subject to 24%(fed)+9.3%(CA)=33.3%, it is 1/3 off. If I have a choice, I would take a Roth IRA of 1/3 less over IRA because of potential NIIT and Medicare surcharge and possible tax law change. On the other ...
by MathIsMyWayr
Fri Feb 19, 2021 1:46 am
Forum: Personal Finance (Not Investing)
Topic: To purchase a California home or move out of state?
Replies: 88
Views: 7444

Re: To purchase a California home or move out of state?

Places like Vancouver/Camas, Washington have no income tax at all. Folks living there can cross the river and shop in Portland thereby avoiding a sales tax. That can be almost a $20k savings for every $100k you earn and spend. Sorry, you are advocating not a tax avoidance, but a tax evasion. If Was...
by MathIsMyWayr
Thu Feb 18, 2021 11:26 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 184
Views: 17401

Re: best wristwatch for the price

Casio AL-190W Solar (water resist 50m)
No need for battery replacement
by MathIsMyWayr
Thu Feb 18, 2021 12:51 am
Forum: Personal Consumer Issues
Topic: Rooftop Solar Plan and Pricing - Feedback?
Replies: 39
Views: 3275

Re: Rooftop Solar Plan and Pricing - Feedback?

1. Get multiple quotes. Minimum of 3. Include Tesla in the mix since they are generally the cheapest. Currently, Tesla quotes ~$2/Watt BEFORE incentives. Use energysage.com as well. I took the lowest quote from energysage and got my preferred local installer to match. https://www.tesla.com/energy/d...
by MathIsMyWayr
Thu Feb 18, 2021 12:44 am
Forum: Personal Investments
Topic: Bonds vs mortgage payoff
Replies: 122
Views: 8260

Re: Bonds vs mortgage payoff

I'm just confused why it is that it's presumed bonds don't have a return? They have a return that is historically less than equities but greater (at least in my case, maybe I'm lucky?) than whatever I'm paying in mortgage interest. Are you aware that the returns from bonds are correlated inversely ...
by MathIsMyWayr
Wed Feb 17, 2021 10:17 pm
Forum: Personal Consumer Issues
Topic: Rooftop Solar Plan and Pricing - Feedback?
Replies: 39
Views: 3275

Re: Rooftop Solar Plan and Pricing - Feedback?

It will offset power that you're currently paying upwards of $0.40/kWh from PG&E. Wo. $.40/kWh. Just incredible. You could justify driving across state lines just to charge a phone. Pretty sure it would payback to just install a generator and run it 24/7. I didn't catch that the 1st time our ra...
by MathIsMyWayr
Wed Feb 17, 2021 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Renew Term Insurance at age 92 or Stop
Replies: 8
Views: 764

Re: Renew Term Insurance at age 92 or Stop

Just numbers: if you invest $763 a year with an annual return of 5%, you will have $9,957 after 10 years.
by MathIsMyWayr
Wed Feb 17, 2021 6:45 pm
Forum: Personal Investments
Topic: Bonds vs mortgage payoff
Replies: 122
Views: 8260

Re: Bonds vs mortgage payoff

I'm just confused why it is that it's presumed bonds don't have a return? They have a return that is historically less than equities but greater (at least in my case, maybe I'm lucky?) than whatever I'm paying in mortgage interest. Are you aware that the returns from bonds are correlated inversely ...
by MathIsMyWayr
Wed Feb 17, 2021 5:31 pm
Forum: Personal Consumer Issues
Topic: Rooftop Solar Plan and Pricing - Feedback?
Replies: 39
Views: 3275

Re: Rooftop Solar Plan and Pricing - Feedback?

1. Get multiple quotes. Minimum of 3. Include Tesla in the mix since they are generally the cheapest. Currently, Tesla quotes ~$2/Watt BEFORE incentives. Use energysage.com as well. I took the lowest quote from energysage and got my preferred local installer to match. https://www.tesla.com/energy/d...
by MathIsMyWayr
Tue Feb 16, 2021 6:45 pm
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 266
Views: 20677

Re: Were You Around During Dotcom Bubble?

It was a humbling experience, and I never really recovered from it. The PTSD of that experience made has me super conservative. I refused to entertain working at a startup after that. Probably because of that experience my 401k has been in cash since early 2008 because I was always trying to spot t...
by MathIsMyWayr
Tue Feb 16, 2021 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How should I spend all this money?
Replies: 72
Views: 9066

Re: How should I spend all this money?

You may establish an endowed professorship at your favorite university. Generally speaking, it will cost a minimum of $500,000, about 5 QCD's.
by MathIsMyWayr
Sun Feb 14, 2021 11:44 pm
Forum: Personal Consumer Issues
Topic: Laptop Decision
Replies: 78
Views: 4586

Re: Laptop Decision

Can't recommend Lenovo, our 3 year old Ideapad 320 screen seems to have a short already when adjusting the screen, displays horizontal lines for a while. Only occasionally but should not be happening. Have better experiences with HP & Dell work laptops. Get the SSD drive for quick startups. Goo...
by MathIsMyWayr
Sun Feb 14, 2021 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Started with Medicare
Replies: 21
Views: 1336

Re: Getting Started with Medicare

First you should sign up for Medicare Part A, hospitalization. There is no cost for this. I signed up for Medicare Part A at age 65 then Medicare Part B & D, 4 years later when I left my job. I would recommend you contact your State Health Insurance Assistance Program, SHIP (I guess they left o...
by MathIsMyWayr
Thu Feb 04, 2021 5:37 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to buy houses worth $3M and pay almost $50K each year in property taxes
Replies: 61
Views: 7713

Re: Does it make sense to buy houses worth $3M and pay almost $50K each year in property taxes

The house you are looking at is a bargain compared to the median house price of over $6,9 M in Atherton.
by MathIsMyWayr
Thu Feb 04, 2021 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap or Advantage ?
Replies: 43
Views: 2660

Re: Medigap or Advantage ?

From medicare.gov: Medicare Advantage Plans must cover all of the services that Original Medicare covers. However, if you’re in a Medicare Advantage Plan, Original Medicare will still cover the cost for hospice care, some new Medicare benefits, and some costs for clinical research studies. I have u...
by MathIsMyWayr
Wed Feb 03, 2021 8:16 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 450
Views: 29240

Re: The Power of Working Longer

If you can, working longer is a much better retirement strategy than playing with all the wacky alphabet soup of retirement withdrawal methods using dubious "math".
by MathIsMyWayr
Wed Feb 03, 2021 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does paying off mortgage really reduce Sequence of Returns Risk?
Replies: 267
Views: 14616

Re: Does paying off mortgage really reduce Sequence of Returns Risk?

No time to go through the postings. I can think of a common sense. As you reduce your future expenses with some of your fund, you may realize a reduction of the withdrawal rate if you have an adequate amount of fund. The smaller WR, the smaller SRR. It is not a free lunch. It is a tradeoff between S...
by MathIsMyWayr
Wed Feb 03, 2021 1:18 am
Forum: Personal Finance (Not Investing)
Topic: A penny in traditional IRA
Replies: 14
Views: 1655

Re: A penny in traditional IRA

If you have an RMD of $0.01, do you have to take it? If you don't, will IRS impose a penalty of $0.005?
by MathIsMyWayr
Tue Feb 02, 2021 6:58 pm
Forum: Personal Investments
Topic: Dividends and Capital Gains in retirement
Replies: 16
Views: 1898

Re: Dividends and Capital Gains in retirement

I reinvest all distributions in tax deferred accounts and sell something to take an RMD. Before RMD there were no withdrawals from tax deferred accounts, but if we had needed the money I would have sold something when money was needed. I take the RMD at year end and have total tax payments for the ...
by MathIsMyWayr
Tue Feb 02, 2021 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in job or Lose $420k?
Replies: 37
Views: 4729

Re: Stay in job or Lose $420k?

My wife and I (late 30s, early 40s) make over $200,000 a year and have a net worth around $750,000. No debts, no house. Regarding the business targets, I give it 50/50 right now. The combined income and your net worth are irrelevant to the decision. What counts is how your income and the target bon...
by MathIsMyWayr
Tue Feb 02, 2021 12:45 pm
Forum: Investing - Theory, News & General
Topic: 401K Contributions. Why a percentage?
Replies: 29
Views: 1934

Re: 401K Contributions. Why a percentage?

I dare say the people in payroll had to decide that, and they decided that works. I’m just glad they let me use it. Everything seems super easy until you actually try to run a system. They get out of hand. firebirdparts, My previous employer uses Fidelity for the 401K. The 401K contribution part is...
by MathIsMyWayr
Tue Feb 02, 2021 11:59 am
Forum: Investing - Theory, News & General
Topic: 401K Contributions. Why a percentage?
Replies: 29
Views: 1934

Re: 401K Contributions. Why a percentage?

I dare say the people in payroll had to decide that, and they decided that works. I’m just glad they let me use it. Everything seems super easy until you actually try to run a system. They get out of hand. firebirdparts, My previous employer uses Fidelity for the 401K. The 401K contribution part is...
by MathIsMyWayr
Mon Feb 01, 2021 11:03 pm
Forum: Investing - Theory, News & General
Topic: "Retirees--Are You Spending Too Much?"
Replies: 46
Views: 5889

Re: "Retirees--Are You Spending Too Much?"

How can anyone spend way more than he used to spend unless some big ticket items come up? My Mom would love to be able to move into a CCRC if Dad were to pass. Yup. $500k+ buy in and $5k / mo for unassisted living. Assisted living is $12k/mo and full nursing care is $15k / mo. That'll eat through t...
by MathIsMyWayr
Mon Feb 01, 2021 10:53 am
Forum: Investing - Theory, News & General
Topic: "Retirees--Are You Spending Too Much?"
Replies: 46
Views: 5889

Re: "Retirees--Are You Spending Too Much?"

corn18 wrote: Mon Feb 01, 2021 10:25 am
David Jay wrote: Sun Jan 31, 2021 12:00 am
MathIsMyWayr wrote: Sat Jan 30, 2021 11:48 pm How can anyone spend way more than he used to spend unless some big ticket items come up?
Buy a boat :wink:
And a horse.
Horse driven boat :wink:
by MathIsMyWayr
Sun Jan 31, 2021 10:54 pm
Forum: Personal Consumer Issues
Topic: When to (finally) replace cartridge for LaserJet printer
Replies: 16
Views: 787

Re: When to (finally) replace cartridge for LaserJet printer

"Modern" printers refuse to print when cartridge is "empty" and issue an error message.
by MathIsMyWayr
Sun Jan 31, 2021 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can my parents retire?
Replies: 70
Views: 5807

Re: Can my parents retire?

I hate to tell you this but they're going to be very very tight on retirement. They have no where near the kind of assets you need to retire in California. The taxes here and the cost of living will eat up their $25k in no time. God forbid they have an emergency and they'll be in bankruptcy. My adv...
by MathIsMyWayr
Sun Jan 31, 2021 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Quality Of Life Change After Transitioning To Part Time?
Replies: 28
Views: 1699

Re: Quality Of Life Change After Transitioning To Part Time?

I don't know how do you know you work for 24 or 40 hours a week. Usually you have something to finish, you can do it in 24 hours or 40 hours. My wife's company has unlimited vacation time policy, I do not know anyone who actually takes that advantage and is not retired. I would just work hard and m...
by MathIsMyWayr
Sun Jan 31, 2021 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quality Of Life Change After Transitioning To Part Time?
Replies: 28
Views: 1699

Re: Quality Of Life Change After Transitioning To Part Time?

I don't know how do you know you work for 24 or 40 hours a week. Usually you have something to finish, you can do it in 24 hours or 40 hours. My wife's company has unlimited vacation time policy, I do not know anyone who actually takes that advantage and is not retired. I would just work hard and m...
by MathIsMyWayr
Sun Jan 31, 2021 1:48 pm
Forum: Investing - Theory, News & General
Topic: "Retirees--Are You Spending Too Much?"
Replies: 46
Views: 5889

Re: "Retirees--Are You Spending Too Much?"

They should also ask “Are you spending enough?” That is the issue some Bogleheads have. :sharebeer +1. One of the main reasons I track our retirement spending is to try and ensure we are spending "up to" the level of our means. Don't want to leave experiences on the table out of an abunda...
by MathIsMyWayr
Sun Jan 31, 2021 1:24 pm
Forum: Personal Investments
Topic: $169K into tax advantaged in 2021?
Replies: 23
Views: 2754

Re: $169K into tax advantaged in 2021?

You are forgetting to compound the Roth investment over decades or more if left to heirs. The amount of taxes saved on the contribution is nothing compared to what can be saved on the compounded amount. Saved a nickle to pay $100. You are also taking today's historically low tax rates and assuming ...
by MathIsMyWayr
Sun Jan 31, 2021 12:23 am
Forum: Investing - Theory, News & General
Topic: "Retirees--Are You Spending Too Much?"
Replies: 46
Views: 5889

Re: "Retirees--Are You Spending Too Much?"

How can anyone spend way more than he used to spend unless some big ticket items come up? I think that is a matter of personality. I spend the same amount almost regardless of income once my take home income clears a certain (five figure) threshold. It is well-established that many people will spen...
by MathIsMyWayr
Sat Jan 30, 2021 11:48 pm
Forum: Investing - Theory, News & General
Topic: "Retirees--Are You Spending Too Much?"
Replies: 46
Views: 5889

Re: "Retirees--Are You Spending Too Much?"

How can anyone spend way more than he used to spend unless some big ticket items come up?
by MathIsMyWayr
Sat Jan 30, 2021 7:48 pm
Forum: Personal Consumer Issues
Topic: Electric Vehicle Tipping Point
Replies: 94
Views: 4522

Re: Electric Vehicle Tipping Point

I think this is a very real concern. I will probably lease my next car, as I am not quite ready to commit to an EV, but certainly see them as the future. I think we will get to the tipping point relatively quick if we see a major spike in oil prices again. Or major subsides for EVs to make them che...
by MathIsMyWayr
Sat Jan 30, 2021 7:22 pm
Forum: Personal Consumer Issues
Topic: How to become proficient at Research?
Replies: 68
Views: 3855

Re: How to become proficient at Research?

Good papers of yours are yours forever, especially if you are the lead author. Quantity does not matter much. There are so many junk papers even in journals from leading professional societies. Yet I always seem to sign my rights away to Elsevier. I should really look into their royalty program. Fa...
by MathIsMyWayr
Sat Jan 30, 2021 7:11 pm
Forum: Personal Consumer Issues
Topic: How to become proficient at Research?
Replies: 68
Views: 3855

Re: How to become proficient at Research?

Good papers of yours are yours forever, especially if you are the lead author. Quantity does not matter much. There are so many junk papers even in journals from leading professional societies.
by MathIsMyWayr
Sat Jan 30, 2021 7:04 pm
Forum: Personal Investments
Topic: Paying $45k per year for college
Replies: 26
Views: 3794

Re: Paying $45k per year for college

If you pay the college directly, then I don't think it counts as a gift with regard to reporting it on Form 709. Only for tuition payment. Educational exclusion. The gift tax does not apply to an amount you paid on behalf of an individual to a qualifying domestic or foreign educational organization...
by MathIsMyWayr
Sat Jan 30, 2021 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: promotion without salary increase
Replies: 81
Views: 7734

Re: promotion without salary increase

Trying to have the problem fixed may not be worth your time and effort. If it is a small place, it is time to move on. I worked for a small company once and am glad I got out before trying to make me happy.
by MathIsMyWayr
Sat Jan 30, 2021 3:25 pm
Forum: Personal Consumer Issues
Topic: How to become proficient at Research?
Replies: 68
Views: 3855

Re: How to become proficient at Research?

Open-access in my field means that the authors paid to have their publication open-access. They don't have to do that and then the journal would charge people without subscriptions for access to the PDFs. The open-access charge for my last publication was $1,000 and I had my employer pay it. This t...
by MathIsMyWayr
Sat Jan 30, 2021 3:00 pm
Forum: Personal Consumer Issues
Topic: How to become proficient at Research?
Replies: 68
Views: 3855

Re: How to become proficient at Research?

The policy of charging authors per page has been in place forever in IEEE, APS, SIAM ,,,. Page charges are altogether different in my field. Color figures cost more than B&W figures, too. It is getting more and more weird the way things are going on in life science. I will never understand. :wi...
by MathIsMyWayr
Sat Jan 30, 2021 2:56 pm
Forum: Personal Consumer Issues
Topic: How to become proficient at Research?
Replies: 68
Views: 3855

Re: How to become proficient at Research?

Open-access in my field means that the authors paid to have their publication open-access. They don't have to do that and then the journal would charge people without subscriptions for access to the PDFs. The open-access charge for my last publication was $1,000 and I had my employer pay it. This t...
by MathIsMyWayr
Sat Jan 30, 2021 2:51 pm
Forum: Personal Consumer Issues
Topic: How to become proficient at Research?
Replies: 68
Views: 3855

Re: How to become proficient at Research?

Open-access in my field means that the authors paid to have their publication open-access. They don't have to do that and then the journal would charge people without subscriptions for access to the PDFs. The open-access charge for my last publication was $1,000 and I had my employer pay it. This t...
by MathIsMyWayr
Sat Jan 30, 2021 2:38 pm
Forum: Personal Consumer Issues
Topic: How to become proficient at Research?
Replies: 68
Views: 3855

Re: How to become proficient at Research?

Also, never done it, but I've read if you can't access the research for free, you can email the author and state your purpose and the author may share a pdf with you. I've done this. It works. In addition to journal articles, I had someone send me a PDF of a $150 book. This is pretty thin anecdotal...
by MathIsMyWayr
Fri Jan 29, 2021 8:47 pm
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 23
Views: 2576

Re: The Economist print and digital, $99 today

The only reason I don't buy these sorts of things (Economist, Wall Street Journal, whatever), is because I have a hard time thinking of any portfolio strategy that would depend on what you read in these sorts of things. Now if I were in the finance industry, I might subscribe so that I'm up-to-spee...
by MathIsMyWayr
Fri Jan 29, 2021 8:32 pm
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 23
Views: 2576

Re: The Economist print and digital, $99 today

Now even cheaper, at $75 for the combined print+digital subscription. No auto-renewal: https://slickdeals.net/f/14799250-1-year-of-the-economist-magazine-51-issues-digital-or-print-54-both-digital-print-75-free-shipping?src=frontpage Or $54 for just the print subscription, or for a digital-only sub...
by MathIsMyWayr
Fri Jan 29, 2021 7:52 pm
Forum: Personal Consumer Issues
Topic: All In One Computer?
Replies: 56
Views: 3209

Re: All In One Computer?

One problem with having a second computer is that he may end up needing something like a spreadsheet that is on the upstairs computer and if he makes a copy of it then he could have two different versions of the spreadsheets. Once it is up and running he may want to move everything to the new compu...
by MathIsMyWayr
Thu Jan 28, 2021 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Got a job offer for $840k/yr. Should I come out of retirement?
Replies: 229
Views: 29177

Re: Got a job offer for $840k/yr. Should I come out of retirement?

If you get a job offer of $840k/yr, you may find a better way to spend time than this board.
by MathIsMyWayr
Thu Jan 28, 2021 8:44 pm
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8312

Re: Careers - Flagship State vs Top Tier Private

The original 2002 study your link refers to shows students who went to state universities did worse. The original study showed a significant income gain from attending a college with high net tuition. All of the public colleges had a low net tuition and thus were associated with lower earnings. If ...
by MathIsMyWayr
Thu Jan 28, 2021 8:29 pm
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8312

Re: Careers - Flagship State vs Top Tier Private

No, not so much: "The median annual earnings for an Ivy League graduate 10 years after starting amount to well over $70,000 a year. For graduates of all other schools, the median is around $34,000. You missed that I was only referring to people that did things like got accepted at an Ivy then ...