Search found 136 matches

by dropdx
Thu Mar 25, 2021 12:37 am
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9699

Re: Transferring entire 500k taxable account to Bitcoin?

!RemindMe 4 years Is he a millionaire?
by dropdx
Thu Mar 25, 2021 12:30 am
Forum: Personal Investments
Topic: Vanguard alternative
Replies: 57
Views: 4552

Re: Vanguard alternative

I don't mind the Vanguard website but their mobile app is terrible.
by dropdx
Mon Mar 15, 2021 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you tell if you should be making charitable contributions to reduce taxes?
Replies: 33
Views: 3330

Re: How do you tell if you should be making charitable contributions to reduce taxes?

Thanks for the replies, I definitely learned some stuff. I do typically itemize because of my rental and I also have an Inherited IRA, so the QCDs sound interesting and something I'll have to keep in mind.
by dropdx
Sun Mar 14, 2021 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: How do you tell if you should be making charitable contributions to reduce taxes?
Replies: 33
Views: 3330

Re: How do you tell if you should be making charitable contributions to reduce taxes?

The tool is called "tax prep software." You can use TurboTax, HRBlock, TaxAct or even a tax-prep spreadsheet. I use tax-prep software to run "What if?" scenarios. The scenarios are simple, such as Contribute $100,000 to charity Contribute $ 50,000 to charity Contribute $ 25,000 ...
by dropdx
Sun Mar 14, 2021 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: How do you tell if you should be making charitable contributions to reduce taxes?
Replies: 33
Views: 3330

How do you tell if you should be making charitable contributions to reduce taxes?

How do you tell if you should be making charitable contributions to reduce taxes? Is there a tool or graph or can someone give an example of how making charitable contributions limits taxes? How do you know how much to donate assuming the goal is just to reduce the amount of taxes paid, but not bein...
by dropdx
Sun Mar 14, 2021 5:21 pm
Forum: Personal Investments
Topic: Portfolio / Retirement / Progress Checkup
Replies: 3
Views: 411

Re: Portfolio / Retirement / Progress Checkup

What’s the HRA? Is it a HSA? The 2021 max HSA contribution for an individual plan is $3600. You’re showing $5300 between yourself and your employer. Or is this similar to a FSA, but it accumulates over time? I think max individual FSA contribution is something like $2500 but any unused balance can ...
by dropdx
Sun Mar 14, 2021 4:30 pm
Forum: Personal Investments
Topic: Portfolio / Retirement / Progress Checkup
Replies: 3
Views: 411

Portfolio / Retirement / Progress Checkup

It's been a little more than a year since my last checkup, and I've had some income changes, so I thought I'd see if I need to watch out for anything. Last year: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=303966 --------------------------------------------------------------------------...
by dropdx
Tue Jan 19, 2021 6:08 pm
Forum: Personal Investments
Topic: Setup a 401k just to receive a 0.75% match?
Replies: 3
Views: 516

Re: Setup a 401k just to receive a 0.75% match?

CalculatedRisk wrote: Tue Jan 19, 2021 4:41 pm You say .75% match, but do you mean a 100% match, up to .75% of your income? If so, I would do it up to the amount being matched.
Yes, that's correct.
by dropdx
Tue Jan 19, 2021 12:34 pm
Forum: Personal Investments
Topic: Whats the most gross expense ratio you would consider when buying a mutual fund?
Replies: 73
Views: 6451

Re: Whats the most gross expense ratio you would consider when buying a mutual fund?

ruralavalon wrote: Tue Jan 19, 2021 12:17 pm It's great that they have a pension plan.

Low cost small company 401k providers which have been favorably mentioned here are:
Employee Fiduciary;
Guideline;
Ascensus; and
Human Interest.

You might suggest that your employer look into these possibilities.
Thank you for the list.
by dropdx
Tue Jan 19, 2021 12:33 pm
Forum: Personal Investments
Topic: Setup a 401k just to receive a 0.75% match?
Replies: 3
Views: 516

Setup a 401k just to receive a 0.75% match?

This is related to this question I previously asked: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=326715 At my work I have an employer-provided retirement plan, which includes two parts: A pension. An Individual Account Program (IAP). Starting July 1, 2020, Senate Bill (SB) 1049 requires...
by dropdx
Tue Jan 19, 2021 12:11 pm
Forum: Personal Investments
Topic: Whats the most gross expense ratio you would consider when buying a mutual fund?
Replies: 73
Views: 6451

Re: Whats the most gross expense ratio you would consider when buying a mutual fund?

The lowest ER fund available in my 457B through Nationwide is the S&P 500 @ 1.21% -- it really sucks. Have you seen these links? https://www.bogleheads.org/wiki/How_to_campaign_for_a_better_401(k)_plan https://www.bogleheads.org/wiki/How_to_campaign_for_a_better_403(b)_plan Regards, I have, tha...
by dropdx
Mon Jan 18, 2021 10:34 pm
Forum: Personal Investments
Topic: Whats the most gross expense ratio you would consider when buying a mutual fund?
Replies: 73
Views: 6451

Re: Whats the most gross expense ratio you would consider when buying a mutual fund?

The lowest ER fund available in my 457B through Nationwide is the S&P 500 @ 1.21% -- it really sucks.
by dropdx
Fri Jan 15, 2021 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Ugh Vanguard! May have to leave. They made a huge error.
Replies: 223
Views: 25410

Re: Ugh Vanguard! May have to leave. They made a huge error.

If this were crypto, then you could have entered the contract yourself 😄
by dropdx
Mon Jan 04, 2021 11:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22922
Views: 3007310

Re: U.S. stocks in free fall

Freeee faaalliinnnn
by dropdx
Sun Jan 03, 2021 12:57 am
Forum: Personal Finance (Not Investing)
Topic: What have YOU used an emergency fund for?
Replies: 44
Views: 3282

What have YOU used an emergency fund for?

What have you used an emergency fund for? Did the amount you have saved cover it?
by dropdx
Fri Jan 01, 2021 11:54 pm
Forum: Investing - Theory, News & General
Topic: Do you lump sum full amount into IRA at beginning of the year?
Replies: 49
Views: 2863

Re: Do you lump sum full amount into IRA at beginning of the year?

We have this same discussion every year. It's not really "lump sum" since presumably you intend to contribute to the IRA again in the future. So it's a matter of DCA annually or DCA monthly (or whatever). I'm going to have to disagree with you here, otherwise, EVERYTHING would just be DCA...
by dropdx
Fri Jan 01, 2021 8:14 pm
Forum: Investing - Theory, News & General
Topic: Do you lump sum full amount into IRA at beginning of the year?
Replies: 49
Views: 2863

Re: Do you lump sum full amount into IRA at beginning of the year?

We have this same discussion every year. It's not really "lump sum" since presumably you intend to contribute to the IRA again in the future. So it's a matter of DCA annually or DCA monthly (or whatever). I'm going to have to disagree with you here, otherwise, EVERYTHING would just be DCA...
by dropdx
Fri Jan 01, 2021 11:35 am
Forum: Investing - Theory, News & General
Topic: Do you lump sum full amount into IRA at beginning of the year?
Replies: 49
Views: 2863

Do you lump sum full amount into IRA at beginning of the year?

Obviously you'd need to have the means to do so but for those that do, do you lump sum the full amount at the beginning of the year into your IRA?
by dropdx
Fri Jan 01, 2021 10:55 am
Forum: Personal Finance (Not Investing)
Topic: 2020 Net Worth
Replies: 111
Views: 7431

Re: 2020 Net Worth

stan1 wrote: Fri Jan 01, 2021 10:12 am How many people are going to admit to some successful market timing activity (e.g. sold equities in February and bought back in late March/April?)
In my Inherited IRA I converted my 5% bond position into VTSAX on March 18th for some nice gains.
by dropdx
Fri Jan 01, 2021 12:30 am
Forum: Personal Finance (Not Investing)
Topic: 2020 Net Worth
Replies: 111
Views: 7431

Re: 2020 Net Worth

Nate79 wrote: Thu Dec 31, 2020 11:38 pm Our net worth increased 30% this year. It includes value of our home equity because that's the definition of net worth. Excluding home equity is by definition not net worth.
How down you estimate equity? Do you use something like the Zestimate?
by dropdx
Fri Jan 01, 2021 12:24 am
Forum: Personal Finance (Not Investing)
Topic: 2020 Net Worth
Replies: 111
Views: 7431

Re: 2020 Net Worth

congratulations! +20% in my case. Surprsing to see the number myself. What investment could bring 40% increase? 20% is great. I have quite a bit of tech stocks (Amazon, Tesla, Apple) and a key mutual fund (Fidelity Select Technology (FSPTX)). TravelforFun Is there a Vanguard equivalent to the Fidel...
by dropdx
Thu Dec 31, 2020 4:44 pm
Forum: Investing - Theory, News & General
Topic: 2020 and 2021 Boglehead Contests
Replies: 43
Views: 3189

Re: 2020 and 2021 Boglehead Contests

So what do people actually base their guess on? Like I have idea how you'd even know a ballpark?

PS - on my phone there's only 1 column
by dropdx
Thu Dec 31, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

What rate are people getting with LenderFi for 30-year these days? I'm currently sitting at 2.875% with them. Depends on loan amount. Rates actually seem to go up the more under 300k you are. Yeah my loan is only $250K so I think 2.875% is the best I'm going to get for now, or at least that's how t...
by dropdx
Mon Dec 21, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

What rate are people getting with LenderFi for 30-year these days?

I'm currently sitting at 2.875% with them.
by dropdx
Tue Dec 01, 2020 7:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114312

Re: U.S. stocks continue to soar!

Is this when International starts to overtake the US market?
by dropdx
Tue Nov 10, 2020 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much have you saved from your mortgage refinance?
Replies: 21
Views: 2135

Re: How much have you saved from your mortgage refinance?

I'm curious to see how much people have saved from their mortgage refinance since a lot of people have refinanced recently. I originally had a 3.825%, but refinanced to no-cost 3.125% with LenderFi back in March and I also got rid of my PMI, no appraisal, and I actually received a $400 refund at cl...
by dropdx
Tue Nov 10, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much have you saved from your mortgage refinance?
Replies: 21
Views: 2135

How much have you saved from your mortgage refinance?

I'm curious to see how much people have saved from their mortgage refinance since a lot of people have refinanced recently. I originally had a 30 year @ 3.825%, but refinanced to no-cost 30 year @ 3.125% with LenderFi back in March and I also got rid of my PMI, no appraisal, and I actually received ...
by dropdx
Mon Oct 26, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

Refinanced from original 30 year @ 3.875% to a no-fee 3.125% back in March, and I just started the process again today and locked in a no-fee 2.875%! It's been a nice ride, thanks LenderFi! Just to give an update on this - I started my second refinance with LenderFi on 10/13/2020 and I just signed ...
by dropdx
Wed Oct 14, 2020 12:06 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

Refinanced from original 30 year @ 3.875% to a no-fee 3.125% back in March, and I just started the process again today and locked in a no-fee 2.875%! It's been a nice ride, thanks LenderFi!
by dropdx
Fri Oct 02, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14511
Views: 1114312

Re: U.S. stocks continue to soar!

Forester wrote: Thu Oct 01, 2020 9:26 pm Bitcoin sold off by 5% just now, crypto has an established track record of leading Nasdaq moves so expect the Nasdaq down around 2% by Friday's close.
I saw your post last night and someone had quoted you, mocking what you said and now their comment is gone lol, nice call.
by dropdx
Wed Sep 30, 2020 3:29 pm
Forum: Personal Investments
Topic: Should I make these voluntary contributions to my IAP account?
Replies: 2
Views: 265

Should I make these voluntary contributions to my IAP account?

A lot of this is just copy/paste information to help in understanding my question. At my work I have an employer-provided retirement plan, which includes two parts: A pension. An Individual Account Program (IAP). Starting July 1, 2020, Senate Bill (SB) 1049 requires that members earning more than $2...
by dropdx
Wed Sep 23, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Are you taking 2020 RMD anyhow?
Replies: 25
Views: 2213

Re: Are you taking 2020 RMD anyhow?

MrJedi wrote: Wed Sep 23, 2020 1:51 pm If you don't need the money you can consider doing a Roth conversion.
By "Roth conversion" do you just mean take the RMD and contribute it to your Roth IRA?
by dropdx
Sun Sep 20, 2020 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

If you have LenderFi / BSI Financial as your servicer and use Mint, then you should login to Mint and request that they add LenderFi as an account option! When logged into Mint: Click "Add Accounts" at the top For the bank name enter LenderFi Then click "Still can't find you bank"...
by dropdx
Thu Sep 17, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

RE: BSI and the earlier posts expressing concern based on terrible online reviews. I asked LenderFi and they said they (LF) technically are the servicer of the loan, but simply use BSI's platform for servicing functions. Not sure if that changes anything. I have my fingers crossed.... Are there peo...
by dropdx
Tue Sep 15, 2020 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

If I want a copy of the packet I’m going to be signing should I email LenderFi or Amrock? I called Amrock to get mine. You should have been e-mailed a closing contact or you can just call the main number and give them your loan number and they can pull up your file. How far in advance did they have...
by dropdx
Tue Sep 15, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Get LenderFi / BSI Financial added to Mint
Replies: 1
Views: 743

Get LenderFi / BSI Financial added to Mint

If you have LenderFi / BSI Financial as your servicer and use Mint, then you should login to Mint and request that they add LenderFi as an account option! When logged into Mint: Click "Add Accounts" at the top For the bank name enter LenderFi Then click "Still can't find you bank"...
by dropdx
Tue Sep 15, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

What rates are people currently getting with LenderFi for 30 year?
by dropdx
Tue Jul 14, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

Anyone have experience with lenderfi's 180 day refinance clawback rule? I know I signed one ~3 months ago but lenderfi has since sold my mortgage to Fannie Mae and servicing by Wells Fargo. Wondering if they can/will clawback the lender credit if I jumped at another refinance? Bump. Anyone have any...
by dropdx
Tue Jul 14, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

I'm in the middle of my second refi with LenderFi. We're scheduled to close on Saturday. Once they lock your rate, radio silence to varying degrees is to be expected while your refi is processed - which is taking longer than usual due to their current backlog. Did you reach out to your same process...
by dropdx
Wed Jul 08, 2020 10:45 am
Forum: Personal Investments
Topic: Am I oversaving?
Replies: 39
Views: 4449

Re: Am I oversaving?

It looks like you've got very little in your own retirement accounts but a lot in taxable. Why are you investing in taxable accounts instead of using tax-advantaged accounts first? I get that the 457b is high-cost but what about the 401k? Is a match offered in the 401k? What are the investment opti...
by dropdx
Wed Jul 08, 2020 1:48 am
Forum: Personal Investments
Topic: Am I oversaving?
Replies: 39
Views: 4449

Am I oversaving?

-------------------------------------------------------------------------------------------- 34, file single, no kids Federal Tax Rate - 22% or 24% (depends on rental deductions) State Tax Rate - 9% Current Income Work Salary - $98,000 Inherited IRA RMD - $4,000 Brokerage Dividends - $7,200 Rental -...
by dropdx
Wed Jun 24, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1219

Re: Merit increase: lump sum bonus vs additional PTO?

5% as a lump sum bonus (based on base salary) Be sure to look to see what that would be after taxes. 5% in additional PTO (based on base salary) What does that mean? 5% of 52 weeks is over 2.5 weeks additional time off. That sounds great but what would you do with it before it expires? With the pan...
by dropdx
Wed Jun 24, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1219

Re: Merit increase: lump sum bonus vs additional PTO?

sailaway wrote: Wed Jun 24, 2020 6:41 pm Is that perpetually more PTO or one time?
It'd be one time.
by dropdx
Wed Jun 24, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1219

Merit increase: lump sum bonus vs additional PTO?

I just had my yearly performance review, and I guess I'm at the top of my pay grade, so I can't just get a salary increase like usual. The options that were given to me are: 5% as a lump sum bonus (based on base salary) 5% in additional PTO (based on base salary) A combination of both Is one of thes...
by dropdx
Tue May 26, 2020 11:38 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 9034

Re: Anyone screwed up timing the market?

I stayed in but didn't rebalance. I should have done so but I don't like making big trades when things are so volatile. Never had a chance for the market to find a bottom. Missed opportunity for sure but I am OK with it. One thing I have been good at as an investor is never, ever sell when stocks a...
by dropdx
Wed May 20, 2020 3:23 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 45740

Re: Why international?

So, I just read this whole thread, but I'm confused.

Do I buy international?
by dropdx
Thu May 14, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164843

Re: My LenderFi refinance is going well

Does your escrow balance match what was shown on your closing documents? Mine is different. Honestly, I'm thinking about refinancing again just to get away from BSI: https://www.consumerfinance.gov/about-us/newsroom/bureau-settles-bsi-financial-services/ https://www.housingwire.com/articles/49167-c...