Bogleheads.org

MathIsMyWayr

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...

MathIsMyWayr

You may try military rations, MRE, from surplus stores.

MathIsMyWayr

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 ...

MathIsMyWayr

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...

MathIsMyWayr

Casio AL-190W Solar (water resist 50m)
No need for battery replacement

MathIsMyWayr

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...

MathIsMyWayr

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 ...

MathIsMyWayr

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...

MathIsMyWayr

Just numbers: if you invest $763 a year with an annual return of 5%, you will have $9,957 after 10 years.

MathIsMyWayr

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 ...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

You may establish an endowed professorship at your favorite university. Generally speaking, it will cost a minimum of $500,000, about 5 QCD's.

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

The house you are looking at is a bargain compared to the median house price of over $6,9 M in Atherton.

MathIsMyWayr

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...

MathIsMyWayr

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".

MathIsMyWayr

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...

MathIsMyWayr

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?

MathIsMyWayr

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 ...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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
And a horse.

Horse driven boat

MathIsMyWayr

"Modern" printers refuse to print when cartridge is "empty" and issue an error message.

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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 ...

MathIsMyWayr

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...

MathIsMyWayr

How can anyone spend way more than he used to spend unless some big ticket items come up?

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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.

MathIsMyWayr

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...

MathIsMyWayr

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.

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

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...

MathIsMyWayr

If you get a job offer of $840k/yr, you may find a better way to spend time than this board.

MathIsMyWayr

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 ...

MathIsMyWayr

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 ...

Search found 2763 matches