Search found 609 matches

by Chris
Tue Oct 16, 2018 5:38 am
Forum: Money Questions
Topic: Investing in cash?
Replies: 14
Views: 839

Re: Investing in cash?

Deep cash: I-Bonds (no state tax; fed tax-deferred)
Near cash: Short term treasury bond fund (no state tax)
Ready cash: High-yield savings
by Chris
Thu Oct 11, 2018 10:38 am
Forum: Money Questions
Topic: Will JCP last for 5 years?
Replies: 0
Views: 174

Will JCP last for 5 years?

With Sears' bankruptcy looming, there may soon be $14B in department store revenue up for grabs for JCP, KSS, and the like. I have no appetite for the stock of dying retail brands, but some of JCP's debentures trade as KTP, currently yielding > 20%. Assuming they can avoid bankruptcy for the next se...
by Chris
Thu Oct 11, 2018 6:34 am
Forum: Lifestyle Questions
Topic: Zero Wasters?
Replies: 28
Views: 1461

Re: Zero Wasters?

I decided to try going low-waste for 2017 as an experiment. Being in the ERE mindset already helped a lot, as food waste is low, generation of new product packaging is low, and most "stuff" I get rid of is donated or eBay'd. At the end of last year, I managed to keep landfill waste down to one 13-ga...
by Chris
Mon Sep 24, 2018 8:59 pm
Forum: Money Questions
Topic: US Defaulting on debt
Replies: 25
Views: 1710

Re: US Defaulting on debt

I could also see some stagflation, but doubt it would be on the level of what we had in the 1970s, and the thing about inflation is everyone's been predicting it since 2009. True. But now there's tariffs and constraints on labor (low unemployment + drop in immigration), so there's more fuel for inf...
by Chris
Thu Sep 20, 2018 7:42 pm
Forum: Lifestyle Questions
Topic: I still have a dumb phone...considering a smart phone!
Replies: 53
Views: 3673

Re: I still have a dumb phone...considering a smart phone!

Nomad wrote:
Fri Sep 14, 2018 3:06 am
However, I think they now make them to basically wear out in a short time scale.
The power button fell out?
Use a screen off app to reduce the usage cycles on your power button :)
by Chris
Mon Sep 10, 2018 10:06 pm
Forum: Money Questions
Topic: John Hancock for small business 401k?
Replies: 16
Views: 871

Re: John Hancock for small business 401k?

I don't think you're allowed to roll over to another account until employment is terminated unfortunately. This is certainly unfortunate. You can roll over money that was previously rolled into the 401k, but you can't do an in-service withdrawal until a "triggering event". I think you're also unabl...
by Chris
Thu Sep 06, 2018 11:47 pm
Forum: Money Questions
Topic: John Hancock for small business 401k?
Replies: 16
Views: 871

Re: John Hancock for small business 401k?

I had JH when I was with a small employer. Yeah, their fees suck. But it was only a one-year relationship. The tax savings will be significant though. If I were you, I'd contribute and then check into doing a rollover on an annual basis. You should check to see if they whack you with a fee for that ...
by Chris
Mon Sep 03, 2018 8:58 pm
Forum: Health Questions
Topic: Ending Myopia
Replies: 9
Views: 976

Re: Ending Myopia

I came to say what Stahlmann said. But I've spent the last two hours reading/watching Jake's content. It's intriguing. I'm at -9. Yeah, it's bad. At my last optometrist visit, he ended with, "look out for detached retinas!" I asked if there was anything I could do to reduce that risk, and he just sa...
by Chris
Sun Sep 02, 2018 12:57 pm
Forum: ERE Journals
Topic: Crazylemon's Journal
Replies: 66
Views: 16150

Re: Crazylemon's Journal

Crazylemon wrote:
Fri Aug 31, 2018 2:03 pm
Need some idea of what cardio to add in as new place of work is only 5 minutes away by bike (even more free time!).
Is there a more scenic route you can take that might be longer?
by Chris
Fri Aug 31, 2018 8:19 pm
Forum: Skills & Tools Questions
Topic: Best DNS service?
Replies: 4
Views: 349

Re: Best DNS service?

You could also use multiple DNS service providers. Ensure your operating system's DNS resolver is doing round robin for lookups, then specify 1.1.1.1, 8.8.8.8, 9.9.9.9.... whatever. Then at least there is no single place with all of your DNS queries. Additionally, caching your DNS lookups locally wi...
by Chris
Thu Aug 30, 2018 1:24 pm
Forum: ERE Journals
Topic: Ad Astra per Aspera [Journal]
Replies: 73
Views: 6595

Re: Ad Astra per Aspera [Journal]

Sorry to hear you've had sort of a rotten time )-: On the positive side, you've gained experience. Just think, you could have gone the good + fast route, and now be sitting in your $600/mo apartment surfing the web on your $40/mo phone plan, and come across a room renting for $400. And you'd be curs...
by Chris
Sun Aug 26, 2018 9:53 pm
Forum: Money Questions
Topic: Stock Options & Security Lending
Replies: 3
Views: 364

Re: Stock Options & Security Lending

Be careful when yield boosting using covered calls: "Call options sold against the stock during this period must have expiration periods longer than 30 days and out-of-the money strike prices. If your covered call trade does not meet these criteria, any dividends earned are taxed at your regular inc...
by Chris
Sat Aug 25, 2018 12:54 pm
Forum: Money Questions
Topic: Social Security And Tax-Advantaged Retirement Accounts For Low Income Earner
Replies: 7
Views: 556

Re: Social Security And Tax-Advantaged Retirement Accounts For Low Income Earner

Augustus wrote:
Sat Aug 25, 2018 12:45 pm
Is there a benefit to using retirement accounts? The only benefit I know of is reducing tax burdens
There's also the benefit of protecting the money from creditors, depending on your state.
by Chris
Tue Aug 21, 2018 10:39 am
Forum: Money Questions
Topic: Swiss vote to end fractional reserve banking
Replies: 158
Views: 9586

Re: Swiss vote to end fractional reserve banking

The Road to Serfdom (condensed) is an intro to Hayek in about 100 pages.
by Chris
Thu Aug 02, 2018 3:15 pm
Forum: Work & Education
Topic: Take it or leave it?
Replies: 7
Views: 1711

Re: Take it or leave it?

On a side note - does anyone think getting another degree in computer science is the right way to go for long term satisfaction in that field? Nope. There are lots of people with science backgrounds (especially physicists) that have turned their programming hobby into careers. The CS field relies a...
by Chris
Fri Jul 27, 2018 9:50 am
Forum: Money Questions
Topic: Investments Trade Log
Replies: 1356
Views: 199807

Re: Investments Trade Log

bryan wrote:
Wed Jul 25, 2018 10:08 pm
Closed this short position (QCOM) to open a short on INTC.
INTC down 8% so far today. Nice one.
by Chris
Tue Jul 24, 2018 8:39 am
Forum: Money Questions
Topic: Investing to Live off Income: Critique my Portfolio
Replies: 16
Views: 1251

Re: Investing to Live off Income: Critique my Portfolio

Regarding yield: should you be filtering on current yield, or expected yield when you plan to FI? For example, OGS currently yields 2.4%, but management in 2016 announced plans to increase the dividend 7-9% annually through 2022. So if 2021 is your exit year -- and you trust OGS management -- the yi...
by Chris
Wed Jul 18, 2018 10:22 pm
Forum: ERE Journals
Topic: Ad Astra per Aspera [Journal]
Replies: 73
Views: 6595

Re: Ad Astra per Aspera [Journal]

I love reading "first contact" experiences. Welcome to the alien American world where people move around on gasoline-powered wheelchairs and margarine comes in the form of breath spray. Pro tip: spray the buttery flavoring directly into your mouth before eating the popcorn; saves your fingers from g...
by Chris
Wed Jul 18, 2018 9:57 pm
Forum: Money Questions
Topic: New Employer - No 401(k)
Replies: 11
Views: 544

Re: New Employer - No 401(k)

suomalainen wrote:
Wed Jul 18, 2018 3:16 pm
Can he unroll the IRA back into the old 401k if the new 401k doesn't come through?
Probably not. Company 401k plans are usually only open to current employees. Most employers allow former employees to maintain their accounts, but not to contribute more.
by Chris
Wed Jul 18, 2018 3:13 pm
Forum: Money Questions
Topic: New Employer - No 401(k)
Replies: 11
Views: 544

Re: New Employer - No 401(k)

You get no pre-tax benefit and there are some other rules to watch out for, but I didn't have a normal IRA so those rules didn't apply to me. The benefit is the Roth access if your income is too high to do a Roth directly. Yeah, it's those "other rules" that would be problematic in this case. Hrist...