Search found 757 matches

by DarkHelmetII
Wed Apr 14, 2021 2:04 pm
Forum: Personal Investments
Topic: Is my former Vang annuity money secure at Transamerica?
Replies: 4
Views: 270

Re: Is my former Vang annuity money secure at Transamerica?

Now if it’s a variable annuity then the sub accounts are not typically invested within the insurance company’s general account unless you picked that investment. A fixed annuity would have the money invested in their general account as well as if you annuitize. Agreed this is a key distinction. If ...
by DarkHelmetII
Wed Apr 14, 2021 2:00 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4097

Re: thinking about adding some REIT

Was talking to my advisor. He pointed out that I have 0 REIT. he said I should look at moving some of my sideline cash and get some. he said take a look at HTA and FRT. Anyone have any favorite REIT they like? Thanks! Why not VNQ? Like you I have zero REIT (aside from small % in S&P 500) but re...
by DarkHelmetII
Thu Apr 08, 2021 4:32 am
Forum: Personal Investments
Topic: What to do with $500k which may be needed at any time
Replies: 6
Views: 1146

Re: What to do with $500k which may be needed at any time

In my last forum thread, 50% pay cut: moving advice , I outlined my plans for a career change and move from Big City to Small Town. In that thread, all (well, most) of you fine folks made a compelling case that I should sell my old house ASAP rather than become a long-distance landlord. That was in...
by DarkHelmetII
Wed Apr 07, 2021 1:24 pm
Forum: Personal Investments
Topic: Down Payment / We May Never Buy - About to Surrender "Toxic" VUL
Replies: 4
Views: 638

Down Payment / We May Never Buy - About to Surrender "Toxic" VUL

I have a TIAA-CREF VUL holding funds for a down payment however with no clear timeframe - I'd say 50% chance we rent for next 5 years. Happy to be a "wealthy renter" and keep socking away $$ (above and beyond the allocated down payment) into stocks & bonds bogleheads style. The asset m...
by DarkHelmetII
Tue Apr 06, 2021 5:58 am
Forum: Personal Investments
Topic: Help MIL redeploy assets and simplify
Replies: 8
Views: 694

Re: Help MIL redeploy assets and simplify

1) 50 % total stock 50% mid term treasuries
2) Use Fidelity because they have brick and mortar locations?
3) for the Chevron stock can you at least funnel dividends into the diversified portfolio?

Just some thoughts ...
by DarkHelmetII
Mon Apr 05, 2021 3:52 pm
Forum: Personal Investments
Topic: annuities to protect market gains
Replies: 10
Views: 1069

Re: annuities to protect market gains

I would like to to protect stock market gains made in the last ten years. Would selling lets say 10% and investing it in a variable annuity with income guaranties make sense ? The earnings are outside retirement accounts and I would not need to tap the annuity payments for at least 5 years. My tax ...
by DarkHelmetII
Mon Apr 05, 2021 4:25 am
Forum: Personal Consumer Issues
Topic: Bike Rack (Roof) for 2015 Honda Accord
Replies: 8
Views: 536

Bike Rack (Roof) for 2015 Honda Accord

Any recommendations on a roof (not rear) bike rack for a 2015 Honda Accord? Flexibility for skis a bonus but not required (a skis-only configuration does not meet the requirement).
by DarkHelmetII
Mon Apr 05, 2021 4:22 am
Forum: Personal Consumer Issues
Topic: Too many Costco returns?
Replies: 7
Views: 2457

Re: Too many Costco returns?

nocturne wrote: Sun Apr 04, 2021 11:50 pm There are policies in place to prevent abuse.
At my Costco the log line for returns is enough to prevent abuse!
by DarkHelmetII
Mon Apr 05, 2021 4:20 am
Forum: Personal Consumer Issues
Topic: how to determine the cost of medical procedure
Replies: 18
Views: 2093

Re: how to determine the cost of medical procedure

My work place health insurance includes a no-cost annual physical exam. I would like to have another physical exam in mid-year every year, paid out of pocket. I am looking for actionable advice on how to get my doctor to do this, and to determine the price *in advanced*. I am *not* looking for advi...
by DarkHelmetII
Sun Apr 04, 2021 6:43 pm
Forum: Personal Investments
Topic: Downpayment for House
Replies: 4
Views: 784

Re: Downpayment for House

Hoping to get some input from fellow Bogleheads! We've been trying to upgrade in house for the prior ~two years. COVID threw a wrench in this, seen significant annual price increases and not finding anything decent. We've seen the quality of house we want go up-and-up in price. We're trying to &quo...
by DarkHelmetII
Thu Apr 01, 2021 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Term insurance - free lunch?
Replies: 25
Views: 1941

Re: Term insurance - free lunch?

1) For what it's worth, I have similar age kids (< 5) and went with 20 year-term idea being 20 years from now presumably there should be ample cash / investments 2) Costco has had some competitive rates via Protective 3) HealthIQ had a competitive rate - slightly better than Protective but took ~ 1 ...
by DarkHelmetII
Thu Apr 01, 2021 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Previous Salary req before offer
Replies: 24
Views: 2083

Re: Previous Salary req before offer

Why not writing a salary just above the one you would find of your liking ? 1) They may be willing to pay more than this # 2) By definition this # is above what OP would accept, and hence may lose the opportunity I think best option is to ask for a phone call - as mentioned by previous poster - and...
by DarkHelmetII
Thu Apr 01, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: (Invalid?) Relocation repayment agreement
Replies: 13
Views: 928

Re: (Invalid?) Relocation repayment agreement

My 2 cents as a non-attorney: any legal agreement is only relevant to the extent it is upheld in a court of law. Meaning that for the repayment agreement to mean anything, a judge would have to "force" you to pay realizing that the employer changed your compensation after the fact. I assum...
by DarkHelmetII
Mon Mar 29, 2021 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used CPA for taxes AND did them on their own to compare?
Replies: 58
Views: 5558

Re: Has anyone used CPA for taxes AND did them on their own to compare?

Caution. Literally every cpa I’ve used has screwed up at least one thing every year in my taxes. In one case I didn’t catch it for years and couldn’t fix it. Cost me thousands. Even big boys like kpmg. No one cares as much as you about your money and your chance of audit. +1. I have never NOT caugh...
by DarkHelmetII
Thu Mar 25, 2021 1:10 pm
Forum: Personal Consumer Issues
Topic: son to major in Business, advice on specialization requested
Replies: 60
Views: 2655

Re: son to major in Business, advice on specialization requested

JimMolony wrote: Thu Mar 25, 2021 11:29 am Some coding in "R" and the older SAS with some computer classes is highly sought after.
"Traditional" accounting / business + industry knowledge + SAS / R / Python could be a killer combination
by DarkHelmetII
Wed Mar 24, 2021 2:16 pm
Forum: Personal Investments
Topic: Interesting retirement strategy
Replies: 45
Views: 5529

Re: Interesting retirement strategy

Work with a guy who’s retiring at the end of the year. He said that in January he moved his entire $1 million 401k into a stable value fund in order to preserve it for this year and at least 2 years into retirement. He said he’s protecting himself from series of returns. Apparently he has other inc...
by DarkHelmetII
Tue Mar 16, 2021 5:35 pm
Forum: Personal Investments
Topic: Bond funds
Replies: 9
Views: 864

Re: Bond funds

I’m a little worried about my bond portfolio with interest rates going up . Most of my bonds are in vanguard total bond market index . Would switching some into short term tips reduce my risk ? Any advice or alternative strategy appreciated You are at risk of selling low and buying high if you exit...
by DarkHelmetII
Sun Mar 14, 2021 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to be a good manager ?
Replies: 21
Views: 1206

Re: How to be a good manager ?

Don't consider yourself their manager. Consider yourself a resource to help them excel. +1. As a corollary, within reason, don't dole out tedious / mind-numbing tasks to underlings just because you "can." This is of course part of their job and they get paid to do so, but the point is tha...
by DarkHelmetII
Tue Mar 09, 2021 9:32 am
Forum: Personal Investments
Topic: Should I change?
Replies: 4
Views: 728

Re: Should I change?

Hi to everyone. So I have a 403 b , 457 b and pension. My allocation on 403b is as follows VIEIX 45% VIIIX. 40% TCIEX. 15% Wanted to pick up VEIRX. Trying to get rid of the TCIEX. Is that a good move or not. I am new to this. Perfectly fine if you want 100% equities. Don't ditch TCIEX unless you wi...
by DarkHelmetII
Mon Mar 08, 2021 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance - tax law changes may make it more attractive
Replies: 27
Views: 2170

Re: Whole life insurance - tax law changes may make it more attractive

Is there some sort of calculator that shows the incremental "boost" to placing money in a whole life insurance product vs. taxable account? I get it, probably still garbage for the commonly discussed reasons but still I am curious as to what an empirical analysis says.
by DarkHelmetII
Mon Mar 08, 2021 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Online vs In-Person MBA
Replies: 20
Views: 1397

Re: Online vs In-Person MBA

Hi all, I have been working as an engineer now for 2 years and have recently gotten a promotion and a pair of job offers from within my company to go along with it. I have been struggling as to which offer would be best from a career advancement perspective. Option 1 is by a pretty decent margin my...
by DarkHelmetII
Sat Mar 06, 2021 5:46 am
Forum: Personal Consumer Issues
Topic: Contentious Meeting with Physical Security - how to arrange
Replies: 7
Views: 1271

Contentious Meeting with Physical Security - how to arrange

I need to get a few people in a room to talk through some serious stuff. Beyond the meeting space we likely need some professional help to mediate and ensure physical peace as well. Are there services (to pay for) that provide this kind of stuff? If I were to coordinate myself the best I can come up...
by DarkHelmetII
Thu Feb 25, 2021 7:15 pm
Forum: Personal Investments
Topic: Too High to Buy?
Replies: 51
Views: 5913

Re: Too High to Buy?

Hi Everyone- So I sold a lot of stock (mostly in IRAs, and at a profit) over the last year, wanting to have more cash on hand. I was guessing (incorrectly it seems), that the Pandemic would cause the market to tank, and I could follow Warren Buffet's advice and "be greedy when others are fearf...
by DarkHelmetII
Mon Feb 22, 2021 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is less than 1% return in FIA for 2020 normal?
Replies: 6
Views: 552

Re: Is less than 1% return in FIA for 2020 normal?

My brother purchased a Fixed Indexed Annuity back in 2019. When I do his income taxes for him he always includes the year end statement he gets from this annuity although I really don't need it since he hasn't withdrawn anything yet. When I compared the year end balance from 2020 to the prior year ...
by DarkHelmetII
Sat Feb 20, 2021 11:09 am
Forum: Personal Investments
Topic: If you're 30-ish years away from retirement, should you have any bonds?
Replies: 94
Views: 4382

Re: If you're 30-ish years away from retirement, should you have any bonds?

Theoretically: no. Practically: yes. Why? For behavioral reasons, IMHO having a smallish bond allocation 10 to 20 percent can help one from making large mistakes. Positive psychological effect of rebalancing in a major equity downturn should not be discounted.

My 2 cents.
by DarkHelmetII
Fri Feb 19, 2021 8:12 pm
Forum: Personal Investments
Topic: Mega Backdoor: Post-Tax 401k --> Rollover IRA + Roth IRA ... Will This Trigger Pro-Rata Rule for the Regular Backdoor?
Replies: 1
Views: 212

Mega Backdoor: Post-Tax 401k --> Rollover IRA + Roth IRA ... Will This Trigger Pro-Rata Rule for the Regular Backdoor?

1) Starting point was a $57,000 balance in a Fidelity 401k post-tax account comprised of $47,000 principal and $10,000 in growth 2) In-plan Roth conversion not allowed 3) We have withdrawn the $47,000 principal into a Fidelity Roth IRA and the $10,000 growth into a Fidelity Rollover IRA 4) Fidelity ...
by DarkHelmetII
Fri Feb 19, 2021 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Dual Agent Commission - what is "normal" if there is no separate buyers agent?
Replies: 14
Views: 1162

Dual Agent Commission - what is "normal" if there is no separate buyers agent?

I am finalizing a listing agreement with a realtor to sell my property and want to know what is typical for the scenario of dual representation in case a buyer directly approaches my sellers agent. What is most typical, if there is a definition of "normal" here: 1) Sellers agent gets all o...
by DarkHelmetII
Mon Feb 15, 2021 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Docs - Get from Multiple HOAs Before Making an Offer?
Replies: 11
Views: 970

Condo Docs - Get from Multiple HOAs Before Making an Offer?

Any practical means by which to secure HOA documents before making an offer? Idea is to get a view across multiple HOAs not just reviewing a single HOA.

May not exist but if possible though I would ask. And yes, I realize first course of action is to perhaps avoid any HOA altogether.
by DarkHelmetII
Wed Feb 03, 2021 5:12 am
Forum: Personal Consumer Issues
Topic: Android Phone Recorder That Works with Headset / Earbuds
Replies: 1
Views: 179

Android Phone Recorder That Works with Headset / Earbuds

Any recommendations on an Android phone recorder App that captures both ends of the conversation while using earbuds? Multiple I have tried capture neither or only one side of the conversation while using ear buds.
by DarkHelmetII
Wed Feb 03, 2021 5:10 am
Forum: Personal Consumer Issues
Topic: Where to buy a diamond?
Replies: 18
Views: 1621

Re: Where to buy a diamond?

There are lots and lots of threads on engagement rings that you can look up by using the search box which is in the top right corner of most screens. ...looking to get the best value for my budget. I am not an expert or anything but you will likely get the best value by buying man made diamonds. Se...
by DarkHelmetII
Tue Feb 02, 2021 3:00 pm
Forum: Personal Investments
Topic: Your mental "tricks" to avoid doing dumb things?
Replies: 73
Views: 5269

Re: Your mental "tricks" to avoid doing dumb things?

Hold a little bit of in bonds. Even 5 or 10% can satisfy the urge to "do something" by way of rebalancing.
by DarkHelmetII
Tue Feb 02, 2021 4:33 am
Forum: Personal Consumer Issues
Topic: Dimensions of Old Appliance - where to find with Make and Model
Replies: 2
Views: 325

Re: Dimensions of Old Appliance - where to find with Make and Model

45 minutes of web searching while watching TV and finally deciding to drop last digit of model number for broader search potential yields ... https://www.ajmadison.com/cgi-bin/ajmadison/FRT18G4AQ.html Click on “Specs” for the dimensions. This is a discontinued unit so likely what you are looking fo...
by DarkHelmetII
Mon Feb 01, 2021 1:19 pm
Forum: Personal Consumer Issues
Topic: Dimensions of Old Appliance - where to find with Make and Model
Replies: 2
Views: 325

Dimensions of Old Appliance - where to find with Make and Model

Any advice on how to find the dimensions of an old appliance. Specifically Frigidaire FRT18G4AQ4 (a refrigerator).

Note: I have found PDF's of the owners manual online and can't find height / width / depth
by DarkHelmetII
Mon Feb 01, 2021 9:19 am
Forum: Personal Investments
Topic: Fidelity Market Order "Time in Force" Options: Day, On the Open, On the Close
Replies: 5
Views: 432

Fidelity Market Order "Time in Force" Options: Day, On the Open, On the Close

Can anyone clarify for me the "Time in Force" options for Market Order? Three options are Day, On the Open, and On the Close. A few different scenarios below, is my understanding correct on any or all of these? 1) Order Type = Market Order, Time in Force = Day, order placed after hours -->...
by DarkHelmetII
Mon Feb 01, 2021 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Geico or Progressive auto insurance?
Replies: 37
Views: 3367

Re: Geico or Progressive auto insurance?

I like that Geico answers the phone 24x7 with a licensed agent, no need to wait for core business hours. I don't know what Progressive does ... but for example with State Farm after-hours I only got "good neighbor service" or whatever they called it which was a real shell of a service and ...
by DarkHelmetII
Fri Jan 29, 2021 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Redfin vs. Traditional Selling Agent - Lukewarm Condo Market
Replies: 4
Views: 401

Redfin vs. Traditional Selling Agent - Lukewarm Condo Market

Who is "correct"? Redfin or the traditional agents I have spoken to? Context: I am selling a condo this spring valued at < 10% of household net worth and < 50% of annual income. By virtue of being a condo market is lukewarm - not horrible but certainly not blazing hot like nearby townhomes...
by DarkHelmetII
Wed Jan 20, 2021 5:39 am
Forum: Personal Finance (Not Investing)
Topic: What Causes Burnout at Work?
Replies: 124
Views: 10149

Re: What Causes Burnout at Work?

Mind-numbing work, completely void of any intellectual stimulation. To make this actionable ---> when I evaluate job opportunities this is one such criteria I consider.
by DarkHelmetII
Wed Jan 13, 2021 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Having more than $ 500k in brokerage (What to do)
Replies: 23
Views: 2469

Re: Having more than $ 500k in brokerage (What to do)

What is the significance of the $500k? I assume this is something other than FDIC insurance?
by DarkHelmetII
Tue Jan 12, 2021 9:32 am
Forum: Personal Investments
Topic: Fractional Shares + Buy Stop Order: Any Brokerages Offer Both?
Replies: 1
Views: 151

Fractional Shares + Buy Stop Order: Any Brokerages Offer Both?

Preface: this is for play money < 1% of net worth. Question: are there any recommended trading platforms that support a Buy Stop Order for Fractional Shares? Fidelity, for example, offers Fractional Shares however you can only place Market or Limit orders; you can place a Buy Stop Order but in that ...
by DarkHelmetII
Mon Jan 11, 2021 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance - tax law changes may make it more attractive
Replies: 27
Views: 2170

Re: Whole life insurance - tax law changes may make it more attractive

The tax law that passed Congress at the very end of 2020 contained a provision that may boost sales of permanent life insurance in the future. This part of the law hasn't been widely reported upon. I first learned of it last week from a post on LinkedIn. The first press article that I've seen was i...
by DarkHelmetII
Fri Jan 08, 2021 7:09 pm
Forum: Personal Investments
Topic: Reasonable alternative to equities?
Replies: 15
Views: 1049

Re: Reasonable alternative to equities?

I've always been an equities investor and believe in the Peter Lynch principal of staying fully invested at all times. But I'm now at a stage where our investments have done very well. We have more than plenty and will begin taking RMD's this year. To simplify the discussion, let's focus just on my...
by DarkHelmetII
Wed Jan 06, 2021 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor (Seller's Agent) Interview Process + Help me Pick One
Replies: 7
Views: 528

Realtor (Seller's Agent) Interview Process + Help me Pick One

Two-part question about finding a good seller's agent for my condo that I plan to sell in Spring. Part one is about the interview process - specifically how much time is "appropriate" to take up - and part two is about three specific agent profiles . Question 1: what is a fair amount of ti...
by DarkHelmetII
Sun Jan 03, 2021 10:20 am
Forum: Personal Finance (Not Investing)
Topic: USAJobs - Senior Executive Service Positions
Replies: 22
Views: 1558

Re: USAJobs - Senior Executive Service Positions

1) FDIC 2) job posted is only a 4 day window, from 12/31 to 1/4 - very odd to do this over the holidays, in this case likely posting the position just to go through the motions? 3) any SES resume scoring engines - automated / real-time feedback - that can give your resume a "score"? As I d...
by DarkHelmetII
Sun Jan 03, 2021 7:25 am
Forum: Personal Finance (Not Investing)
Topic: USAJobs - Senior Executive Service Positions
Replies: 22
Views: 1558

USAJobs - Senior Executive Service Positions

How does one qualify for Senior Executive Service positions within the Federal Government if applying from private sector? Is this even possible? Trying to make sense of this page: https://www.usajobs.gov/Help/working-in-government/unique-hiring-paths/senior-executive-service/ . For any given posted...
by DarkHelmetII
Tue Dec 29, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating auto insurance premium: doable?
Replies: 7
Views: 426

Re: Negotiating auto insurance premium: doable?

There is nothing to negotiate. Rates are regulated by the state. You can reduce your coverage, or switch to a different insurer. +1. Only possibility of "negotiating" would be to find a sleezy agent (for insurers that have non-direct sales channels) who know how to and is willing to game ...
by DarkHelmetII
Mon Dec 28, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: What is the cheapest Android phone?
Replies: 22
Views: 1437

Re: What is the cheapest Android phone?

cutterinnj wrote: Fri Dec 25, 2020 5:21 pm Buy a cheap tracfone for $50-$90 and just don’t activate it
What does this mean, don't activate it? Can you then activate with a different carrier? Is it unlocked?
by DarkHelmetII
Mon Dec 28, 2020 9:01 am
Forum: Personal Consumer Issues
Topic: Android Backup of Apps
Replies: 2
Views: 174

Re: Android Backup of Apps

livesoft wrote: Mon Dec 28, 2020 8:53 am This says that apps are backed up:
https://support.google.com/android/answer/2819582?hl=en
Thanks. My ignorance I guess.
by DarkHelmetII
Mon Dec 28, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Android Backup of Apps
Replies: 2
Views: 174

Android Backup of Apps

Any recommendations on a way to "backup" all of the apps on my phone so I don't have to reinstall all of them after a factory reset or a new device? Google account already in place to capture key things like contacts and pictures. Apps are the main thing of interest to me that the standard...
by DarkHelmetII
Thu Dec 24, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Selling Condo Rental - Should I Even Consider Property Manager as Seller Agent?
Replies: 11
Views: 682

Re: Selling Condo Rental - Should I Even Consider Property Manager as Seller Agent?

The cost of working with someone and a brokerage with poor results is that you have to wait out the listing contract before signing up with another. As a fail-safe, can I put in a buyout clause? Of course idea is to avoid this altogether, but I'd like the idea of being able to pay $X to get rid of ...