Search found 2510 matches

by rich126
Sun Apr 11, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 102
Views: 3605

Re: Do budgets work?

A budget is similar to people here writing an IPS. The benefit is sitting down and seeing the numbers. As to their effectiveness that depends on the person. Personally I laugh at the comments where people say they consult their IPS. You wrote it so you can break it, not like someone else is enforcin...
by rich126
Sat Apr 10, 2021 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone contemplating OLY (One Less Year)?
Replies: 41
Views: 2756

Re: Anyone contemplating OLY (One Less Year)?

I've pondered retiring earlier than my original 60 but won't do it. I think we would be ok but a few things will keep me going. My pension and health insurance doesn't start until 60. Currently I've taken some time off and reduced my hours to 3 days a week so that has been nice to enjoy life and rec...
by rich126
Sat Apr 10, 2021 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying the IRS via several options
Replies: 1
Views: 216

Paying the IRS via several options

I have a rather substantial tax bill due this year due to selling a rental house and some investments. I've already gone and just sent a check in for the state taxes. For the federal taxes is there any issues if I do a combination of the following? 1. Use a bank transfer to pay a portion of it 2. Us...
by rich126
Fri Apr 09, 2021 12:33 pm
Forum: Personal Consumer Issues
Topic: Airline Miles - how to use?
Replies: 27
Views: 1731

Re: Arline Miles - how to use?

Right now it can be hard to use due to: 1. Lack of flights (lots of cut backs on # of flights) 2. Travel restrictions Usually the best value for miles are international premium cabins or last minute expensive flights. It also helps to have a flexible schedule. And yeah, some travel stuff right now i...
by rich126
Thu Apr 08, 2021 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: FERS annuitant question
Replies: 11
Views: 1307

Re: FERS annuitant question

Added: you will receive a lump sum payment for accumulated annual leave. My agency put it in the final check. I think some agencies send it separately. I know, that's whopper of a monkey wrench, isn't it. Thanks for the heads up. I've never understood the desire to max out leave. It doesn't make se...
by rich126
Thu Apr 08, 2021 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: FERS annuitant question
Replies: 11
Views: 1307

Re: FERS annuitant question

Added: you will receive a lump sum payment for accumulated annual leave. My agency put it in the final check. I think some agencies send it separately. I know, that's whopper of a monkey wrench, isn't it. Thanks for the heads up. I've never understood the desire to max out leave. It doesn't make se...
by rich126
Thu Apr 08, 2021 2:44 pm
Forum: Personal Investments
Topic: Consolidate Fidelity to Vanguard or not
Replies: 33
Views: 2409

Re: Consolidate Fidelity to Vanguard or not

I have Schwab, Fido, and Vanguard. I would never cosolidate anything into Vanguard. Stick with Fidelity for a few reasons. One,Fidelity allows for fractional share investing for ETFs and stocks. Two, Fidelity's web and app interfaces are light years ahead of Vanguard. I closed out my Vanguard accou...
by rich126
Thu Apr 08, 2021 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Preferred
Replies: 17
Views: 1388

Re: Chase Sapphire Preferred

Might depend on what you want from points. If you want the ability to transfer points to travel partners (i.e., transfer to airline and take a business class flight to Europe) you need to have certain Chase cards. As someone else mentions it also primary CDW waiver coverage on rental cars. 24/7 road...
by rich126
Thu Apr 08, 2021 9:15 am
Forum: Personal Investments
Topic: TSP asset allocation
Replies: 11
Views: 921

Re: TSP asset allocation

The lifecycle funds simply use the underlying C, S, I, F, G fund and adjust accordingly. If you was 50-60% equities, why not just allocate accordingly in the TSP yourself? I would agree with this although the lifecycle funds use some very non-round numbers for their allocations. For example: L2045 ...
by rich126
Wed Apr 07, 2021 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5758

Re: Staying at a company after giving notice? (counter-offer)

Most of this is highly dependent on the company and managers involved. Some seem to hold everything against people and others are much more understanding. Some (most?) places I would never tell them anything about leaving until I gave my notice. Others I know the people well and will bounce things o...
by rich126
Wed Apr 07, 2021 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction vs Maximizing Income
Replies: 87
Views: 5710

Re: Job Satisfaction vs Maximizing Income

While you would prefer to increase income I think you can get to a point where money is secondary to happiness. Sure if a pay cut means you have to make drastic lifestyle changes to include even medical events that is a different story but often it isn't to those levels. I've gone to doubling my sal...
by rich126
Wed Apr 07, 2021 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction vs Maximizing Income
Replies: 87
Views: 5710

Re: Job Satisfaction vs Maximizing Income

Maybe it is too hypothetical or opaque for many to give advice on. More so, just trying to take a poll of prevailing sentiment. In my mind, I think I could put up with pretty much anything for the first 8-10 years of my career if it will set up my family financially. Not sure if that is just becaus...
by rich126
Wed Apr 07, 2021 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Taking a paycut for a more stable state job (CA)?
Replies: 75
Views: 4584

Re: Taking a paycut for a more stable state job (CA)?

I've gone back and forth on this several times. I've left safe federal government jobs twice (15 and 6.5 yrs) and have an offer to go back now. In your field (QA), I think job stability isn't usually very good. I know where I worked previously QA and CM folks tended to disappear (along with mid-mana...
by rich126
Tue Apr 06, 2021 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: When and how much to disclose in your job search?
Replies: 2
Views: 501

Re: When and how much to disclose in your job search?

I wouldn't say much but of course don't lie either. That process sounds like trying to get a government job, especially one with a clearance. I once was dealing with several small contractors and it turned out 2 of them put me in for the same position with the government (oops!) but it wasn't anythi...
by rich126
Tue Apr 06, 2021 4:37 pm
Forum: Personal Consumer Issues
Topic: Wife Beating Me Up over cost of Landscaping Job
Replies: 20
Views: 2526

Re: Wife Beating Me Up over cost of Landscaping Job

Might want to ask her if she'd prefer to have a flooded basement or house. I've had a lot of issues with drainage at various homes back east. People do get certain prices in their mind for certain jobs. I've known at times I went "Really that much?" and other times "Wow, I thought it ...
by rich126
Tue Apr 06, 2021 3:17 pm
Forum: Investing - Theory, News & General
Topic: How much do you spend annually in retirement?
Replies: 112
Views: 10310

Re: How much do you spend annually in retirement?

I know that there are alot of variables such as cost of living but I am curious what people spend annually in retirement. My gut tells me that $50,000 annually would be living "high on the hog" assuming all debts are paid off. If anyone is willing to share I think it would be interesting....
by rich126
Tue Apr 06, 2021 12:50 pm
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 12242

Re: 30 Years and 100% VTI

I just happened to look at the 2000s and noticed the real return for the decade (1/2000 to 12/2009) per Portfolio Visualizer was -2.7%. I honestly didn't realize that although I knew 2008 was a mess and so was late 1999/2000. As a younger investor at that time I was more in the accumulation phase an...
by rich126
Tue Apr 06, 2021 10:55 am
Forum: Personal Investments
Topic: TSP Reallocation Plan
Replies: 4
Views: 607

Re: TSP Reallocation Plan

Please let me know if what I am doing makes sense. I am a federal government employee. I have well over a million dollars in the TSP. My allocation is: 25% G; 50% C; 15% S; 10% I. This is the allocation I am comfortable with and plan on continuing this into retirement. With the TSP, if I submit a r...
by rich126
Tue Apr 06, 2021 10:45 am
Forum: Personal Finance (Not Investing)
Topic: How to terminate an old Admin Dissolved LLC (Georgia)
Replies: 4
Views: 282

Re: How to terminate an old Admin Dissolved LLC (Georgia)

Just for safety I terminated an LLC in AZ. Unfortunately it did cost $35 but I figured it was a good idea to kill it since I didn't see any likelihood of me needing it again (it was originally for a rental property but that was sold and I don't anticipate doing it again now that I'm nearing retireme...
by rich126
Tue Apr 06, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: Baseball cards - worth anything?
Replies: 49
Views: 6328

Re: Baseball cards - worth anything?

What does it mean to get a card “graded”, why is it important, and how does one go about doing this? Grading companies examine the condition of the card (centering, borders, corner sharpness, surface quality) and grade cards on a scale of 1-10, they then encase them in a special tamper-resistant pl...
by rich126
Tue Apr 06, 2021 9:56 am
Forum: Personal Consumer Issues
Topic: Recommendation for simple home gym
Replies: 41
Views: 3218

Re: Recommendation for simple home gym

Some people do better with a device in front of a tv to help the time go by. I like recumbent bikes but if you are starting out I'm not sure spending the money is worth it if the person isn't likely to stick with it. I have to admit the past year I've done almost nothing which isn't good. The last t...
by rich126
Tue Apr 06, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: Do maintenance free car batteries last as long in warm/hot climates?
Replies: 53
Views: 3104

Re: Do maintenance free car batteries last as long in warm/hot climates?

Turns out my battery just died a few weeks ago. The car was only 3 yrs old. It was an AGM battery but I replaced it with a non-AGM battery largely due to what was available (we were on our 4th stop looking for a battery and it was getting close to closing time). I have my doubts the AGM is worth the...
by rich126
Tue Apr 06, 2021 9:48 am
Forum: Personal Investments
Topic: 2021 Check Up. 31 Years Old. NW $5M.
Replies: 48
Views: 5773

Re: 2021 Check Up. 31 Years Old. NW $5M.

I know nothing about art but I was reading something not long ago where the average price appreciation over the decades was quite high. I guess if you know what you are doing, it is a good investment. Maybe much better than the market will be over the next decade (more than a few have negative retur...
by rich126
Thu Apr 01, 2021 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: (Invalid?) Relocation repayment agreement
Replies: 13
Views: 920

Re: (Invalid?) Relocation repayment agreement

Understand the relocation agreement. I had someone I could ask questions to and the 1 year agreement was NOT from the date I started employment but was 1 year from the last payment they made to me. I got money at various times to cover hotel, house sale, etc. So instead my date was ~14 months after ...
by rich126
Mon Mar 29, 2021 5:11 pm
Forum: Personal Consumer Issues
Topic: Curious about negative expat experiences -- why don't more people do it?
Replies: 111
Views: 10603

Re: Curious about negative expat experiences -- why don't more people do it?

The government agency I used to work for often had overseas tours of 3 years. Some were quite competitive and some people tried to continually stay out of the US. Looking back I regret not taking one. When I was in my 20s my office desperately was trying to find someone qualified to go to the UK and...
by rich126
Sun Mar 28, 2021 12:54 am
Forum: Investing - Theory, News & General
Topic: Potential Optimizations of SMA-based Rotational Leveraged Strategy
Replies: 49
Views: 1925

Re: Potential Optimizations of SMA-based Rotational Leveraged Strategy

I would suggest checking out the mechanical investing board over at the motley fool. It is a free board and goes back a few decades with some very good people. They built a special back tester for a lot of stock strategies.
by rich126
Thu Mar 25, 2021 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Pay1040.Com Question (Pay Tax With Credit Card)
Replies: 16
Views: 1566

Re: Pay1040.Com Question (Pay Tax With Credit Card)

This is the first year in a while I will owe money and it will be substantial (house sold, previously used part time as rental + cap gains) so I've been looking at using credit cards. Unless you are getting signup bonuses it seems like the fee (now 1.99%) will make things nearly a break even proposi...
by rich126
Wed Mar 24, 2021 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Relocation Benefits?
Replies: 10
Views: 888

Re: Federal Job Relocation Benefits?

It is for a GS14 position in a very difficult to fill technical role that requires a special clearance. Until I see the relo benefits on paper I'm not saying it is a sure thing but the recruiter person said that I qualify for the relocation. As someone who has previously worked in a similar job I kn...
by rich126
Wed Mar 24, 2021 1:15 pm
Forum: Personal Investments
Topic: Anyone here have a golden butterfly portfolio?
Replies: 45
Views: 9672

Re: Anyone here have a golden butterfly portfolio?

I'm not sure how popular of a comment this is, but you really need to adapt to the circumstances of markets. Anything that includes the last few decades and includes bonds is going to look good. Long term bonds in the last decade have returned 4.7% (real return). The odds of that going forward is sl...
by rich126
Wed Mar 24, 2021 1:06 pm
Forum: Personal Consumer Issues
Topic: Do maintenance free car batteries last as long in warm/hot climates?
Replies: 53
Views: 3104

Re: Do maintenance free car batteries last as long in warm/hot climates?

I know for sure that batteries don’t last nearly as long in hot and dry climate. If you happen to live in a hot and dry area, make sure you purchase extended warranties on batteries. The likelihood of using the extended warranties is very high. I learned that when I moved to Arizona and was having ...
by rich126
Tue Mar 23, 2021 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Relocation Benefits?
Replies: 10
Views: 888

Federal Job Relocation Benefits?

I'm curious if anyone has received relocation benefits for starting a federal job? If so, what was the amount of time you had to stay with the job to avoid having to pay the money back? In most situations it is 12 months but I've never done it before for a federal job. Also was it something where yo...
by rich126
Sun Mar 21, 2021 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to Deal with Worry of job loss and providing for family?
Replies: 127
Views: 10265

Re: How to Deal with Worry of job loss and providing for family?

I have jumped around jobs that included government jobs. I have to admit I may have stayed with the government if I had a family. I only saw layoffs once back in 2011. People kept telling me I would be safe and never was let go but I left on my own because I didn't see a quick recovering happening. ...
by rich126
Sat Mar 20, 2021 2:01 pm
Forum: Personal Consumer Issues
Topic: Internet Web Sites Issues
Replies: 7
Views: 897

Re: Internet Web Sites Issues

After a few days of no problems, yesterday and today I had to reboot the modem. Then things work fine. Next time it happens I will make sure to see if I can stream a video. I definitely think it is something related to comms between our modem and whatever century link next in the path since the page...
by rich126
Fri Mar 19, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: Internet Web Sites Issues
Replies: 7
Views: 897

Re: Internet Web Sites Issues

I hate dealing with companies. So today it started having issues again. It required the modem to be turned off/on and now things are working again. I have no idea what the person did what she said "reset" equipment but it worked fine for a couple of days and now today it went out again. I ...
by rich126
Thu Mar 18, 2021 3:47 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68843

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

The one thing that I have seen posted that troubles me is buying on the way down. If you have a stock with solid earnings and it drops usually it is because either the outlook for the stock has changed or the market overall drops and often good stocks end up taking a hit as well. Many of these tech ...
by rich126
Tue Mar 16, 2021 6:10 pm
Forum: Personal Consumer Issues
Topic: interstate movers recommendation
Replies: 19
Views: 996

Re: interstate movers recommendation

I didn't need to do it but what I did was call highly rated movers that only did in state moves and they recommended small companies that did interstate moves. You had to schedule ahead of time with those companies since they were very small and didn't have multiple trucks or drivers but it was lowe...
by rich126
Tue Mar 16, 2021 2:57 pm
Forum: Personal Consumer Issues
Topic: Internet Web Sites Issues
Replies: 7
Views: 897

Re: Internet Web Sites Issues

I did change DNS settings the other day using Google's 8. address but was still having issues. I called today and they ran some tests and did some resetting of equipment and things seem better for now. I was getting a bit confused with the various configuration of this modem (previously I had my own...
by rich126
Tue Mar 16, 2021 10:20 am
Forum: Personal Consumer Issues
Topic: Internet Web Sites Issues
Replies: 7
Views: 897

Internet Web Sites Issues

My GF has Centurylink and a C3000A Actiontec Router. Streaming seems to be very good but for about a week now I'm getting pages that time out. Sometimes things work fine but other times they don't. My guess is that it is a DNS issue. The modem has a diagnostic test and DNS #2 seems to fail constantl...
by rich126
Fri Mar 12, 2021 5:22 pm
Forum: Personal Investments
Topic: Am I holding junk bonds?
Replies: 10
Views: 855

Re: Am I holding junk bonds?

One easy way is too just type in the symbol at Morningstar. You don't need a paid account or even a free account to get the portfolio makeup. For example: https://www.morningstar.com/funds/xnas/mwtix/portfolio It will show type of bond as well as the "grade" of the bond. It also compares %...
by rich126
Thu Mar 11, 2021 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house now has turned into an auction. How to approach it?
Replies: 61
Views: 7054

Re: Buying a house now has turned into an auction. How to approach it?

What I find most interesting is the hot real estate market has spread outside of the traditional hot spots of California, NYC, and Boston. It's everywhere, even in my medium size city in the Midwest, where it used to take upwards of 18 months to sell a +$700K home. There's literally no available ho...
by rich126
Thu Mar 11, 2021 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house now has turned into an auction. How to approach it?
Replies: 61
Views: 7054

Re: Buying a house now has turned into an auction. How to approach it?

Unless you believe this will be going on for years, I would sit back and wait for a better buyers market.

I was recently on the seller's side of this and sure wouldn't buy until things calm down but I am also not concerned with interest rates.
by rich126
Thu Mar 11, 2021 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Excel Experts? Rearrange data
Replies: 15
Views: 1393

Re: Excel Experts? Rearrange data

I was only using stocks as an example. It is actually sports related but since this is a financial forum I modified the data :) I'll have to check into the alternate key thing. I'll ponder things and will update as needed (i.e., if I find a good solution or get to a point where I may get stuck). I'm...
by rich126
Thu Mar 11, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why to work more?
Replies: 26
Views: 1554

Re: Why to work more?

Well earning 60% or whatever is still better than 0%. And yeah, if people lowered their "needs" which are actually not real needs in most cases but just "wants" you can enjoy life quite well and more relaxed. I was slow to learn that but I'm pondering work another couple of years...
by rich126
Wed Mar 10, 2021 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Excel Experts? Rearrange data
Replies: 15
Views: 1393

Excel Experts? Rearrange data

I'm fairly proficient at doing a lot of data manipulation in excel but I'm trying to figure out if there is a somewhat easy way to rearrange data. Probably easier to show an example rather than explain it. Current Data: Apple price Apple volume Apple high Microsoft price Microsoft volume Preferred f...
by rich126
Wed Mar 10, 2021 12:25 pm
Forum: Personal Investments
Topic: Merrill resigning as custodian?
Replies: 10
Views: 1279

Re: Merrill resigning as custodian?

Just a random thought: maybe the dividends are not considered account activity and they are getting ready to escheat the property over to the state as "unclaimed". Just a guess. Not sure if that is the case here but my father has had issues with lack of activity. He lives off his pension ...
by rich126
Tue Mar 09, 2021 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Renting for life - a bad idea?
Replies: 154
Views: 11011

Re: Renting for life - a bad idea?

Strictly with SFH I have a tough time believing renting is better than buying if you are going to be there long term. I keep coming back to whether I want to, for example, pay $500K for a home or maybe $30K or more in rent for that same house. The sale price is fixed, of course you have maintenance ...
by rich126
Tue Mar 09, 2021 2:24 pm
Forum: Personal Investments
Topic: Strange Anomaly
Replies: 17
Views: 1340

Re: Strange Anomaly

Tech and growth stocks have been getting hit hard vs other stocks. I am guessing the weighting of those stocks are higher than in the DOW.

I have been checking the front page of Morningstar style chart and the daily differences between grown and value stocks have been sizable of late.
by rich126
Tue Mar 09, 2021 10:15 am
Forum: Personal Consumer Issues
Topic: Estate (Home) clean-out after my parents passing - tips and best practices?
Replies: 53
Views: 5820

Re: Estate (Home) clean-out after my parents passing - tips and best practices?

The only things a good real estate agent may help you with is knowing someone who will help haul stuff away (in case you don't want to do it yourself) or people who can fix things up prior to selling the place. I know the hauler guy they recommended was much cheaper than the estimate I got from one ...
by rich126
Tue Mar 09, 2021 10:00 am
Forum: Personal Consumer Issues
Topic: Buying new car, need some advice
Replies: 38
Views: 3218

Re: Buying new car, need some advice

Invoice price, holdback and other figures mean nothing. The only thing you're interested in is the OTD, out the door price. I agree. I'm not the best negotiator and had to buy a car "semi-quickly" after a car was totaled (got rear ended very hard) and the insurance would only pay for a re...
by rich126
Mon Mar 08, 2021 3:52 pm
Forum: Personal Consumer Issues
Topic: Luxury Mattress vs Firm w/Topper
Replies: 53
Views: 3493

Re: Luxury Mattress vs Firm w/Topper

My concerns with toppers either for comfort or waterproof is that many can get very hot. As a naive young guy years ago I thought getting a waterproof cover for the mattress would help keep it clean so I bought one, probably cheap. Then I wondered why I was getting so sweaty. Once I removed it I was...