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Search: Posts Made By: nhbubba
Forum: Bull Pen 11-04-2017, 07:29 AM
Replies: 320
Views: 18,398
Posted By nhbubba
Agreed. Except I wasn't investing poop at 18....

Agreed. Except I wasn't investing poop at 18. Took me much longer to come around.

Also agreed about the blogs. What pisses me off about the blogs is they tend to be overly judgmental and...
Forum: Bull Pen 11-03-2017, 04:49 AM
Replies: 320
Views: 18,398
Posted By nhbubba
* With today's tax rules. The knock against...

* With today's tax rules.

The knock against this technique is who knows what tomorrows rates and rules will look like. But then.. who knows what tomorrows rates and rules will look like.

The...
Forum: Bull Pen 11-02-2017, 01:48 PM
Replies: 320
Views: 18,398
Posted By nhbubba
Attaboy! Don't forget that the day you leave...

Attaboy!

Don't forget that the day you leave your employer you can roll your entire 401k into a "rollover IRA" which is also eligible to be converted to ROTH.

IMO the more you make the more it...
Forum: Bull Pen 01-27-2017, 08:02 AM
Replies: 320
Views: 18,398
Posted By nhbubba
HSAs are currently tax free in, tax free growths,...

HSAs are currently tax free in, tax free growths, and tax free out (on med expenses). Ultimate dodge. The reality is that med expenses are going to be a thing for all of us. Being able to put away...
Forum: Bull Pen 01-26-2017, 01:22 PM
Replies: 320
Views: 18,398
Posted By nhbubba
That. Would. Be. Epic. $5k/yr tax dodge. For...

That. Would. Be. Epic.

$5k/yr tax dodge. For everyone.

Doeit.
Forum: Bull Pen 01-21-2017, 06:13 AM
Replies: 320
Views: 18,398
Posted By nhbubba
Christian has it. You can buy one share of VTI...

Christian has it. You can buy one share of VTI (currently @ $116.93) if you want to. $3000 is the minimum for most of the funds (that you can buy fractions of shares of). And $10,000 is usually the...
Forum: Bull Pen 01-20-2017, 07:14 AM
Replies: 320
Views: 18,398
Posted By nhbubba
That's what I meant by "their business model"....

That's what I meant by "their business model". They do engage in marketing. They do offer higher fee 'managed' stuff and they do push those products. No, the sales pitch is nothing like some of the...
Forum: Bull Pen 01-19-2017, 05:55 AM
Replies: 320
Views: 18,398
Posted By nhbubba
Vanguard is definitely better than most. I think...

Vanguard is definitely better than most. I think their business model is at the core of that. But even they push the higher cost stuff to consumers. They are a business, after all.

Fidelity is...
Forum: Bull Pen 01-14-2017, 02:24 PM
Replies: 320
Views: 18,398
Posted By nhbubba
Fees. Will eat you alive. Gotta stay on that....

Fees. Will eat you alive. Gotta stay on that. Commission. Expense ratios.

My opinion is the two ways to stay above water are to pick a strategy and stick with it through the crashes and to watch...
Forum: Bull Pen 01-14-2017, 06:28 AM
Replies: 320
Views: 18,398
Posted By nhbubba
This I can get down with. I got wrapped up in the...

This I can get down with. I got wrapped up in the whole Robinhood app thing with the no-cost trades and played with $50 for a while. All I did is confirm that I can't pick a winner to save my life....
Forum: Bull Pen 01-13-2017, 08:58 PM
Replies: 320
Views: 18,398
Posted By nhbubba
I've dabbled in day trading enough to realize it...

I've dabbled in day trading enough to realize it isn't for me.
I'll stick to the long slow game with indexes.
Forum: Bull Pen 01-09-2017, 07:25 PM
Replies: 320
Views: 18,398
Posted By nhbubba
I'm not interested in sharing details on a...

I'm not interested in sharing details on a publicly index'ed internet form. But yes, I'm kicking ass and taking numbers. Thanks for asking.

By the way, I would never use what my parents earned as...
Forum: Bull Pen 01-09-2017, 06:43 AM
Replies: 320
Views: 18,398
Posted By nhbubba
That I can understand. I've met a few like that....

That I can understand. I've met a few like that. Some seem to have a bit of the golden touch and a 6th sense for finding deals they can turn a living on. Honestly that sounds like a lot of work and...
Forum: Bull Pen 01-07-2017, 09:08 PM
Replies: 320
Views: 18,398
Posted By nhbubba
So... WHAT DID HE INVEST IN? My money is not...

So... WHAT DID HE INVEST IN?

My money is not "tied up" in the market, it's busy at work in the market. I invest in the market because I expect the money to work for me, earning a return. That's...
Forum: Bull Pen 01-06-2017, 06:44 AM
Replies: 320
Views: 18,398
Posted By nhbubba
Firecalc is the tip of the iceberg. Want more to...

Firecalc is the tip of the iceberg. Want more to spend even more time thinking about this, checkout cfiresim. The number of "gotchas" you can model in that tool is pretty astounding.

After my wife...
Forum: Bull Pen 01-03-2017, 07:43 PM
Replies: 320
Views: 18,398
Posted By nhbubba
Thousand different strategies, each has merit. ...

Thousand different strategies, each has merit.

One says dollar cost average across the whole year, don't get caught buying high early in the year and get pants'ed later.

Another says get your...
Forum: Bull Pen 12-01-2016, 07:44 PM
Replies: 320
Views: 18,398
Posted By nhbubba
Henceforth the piggy bank on my dresser shall be...

Henceforth the piggy bank on my dresser shall be known as "retirement" savings.

So THERE!

HSA is an easy way to hide another $3k+/yr from the man. Solid savings tool. Ya'll should look into it....
Forum: Bull Pen 11-30-2016, 06:08 AM
Replies: 320
Views: 18,398
Posted By nhbubba
HSA: Anther $3350/yr for single filers Self...

HSA: Anther $3350/yr for single filers

Self employed types can get around that $18k 401k cap pretty easily. The total max contribution limit is actually $53k/yr. $18k is the employee limit.
...
Forum: Bull Pen 11-29-2016, 07:42 PM
Replies: 320
Views: 18,398
Posted By nhbubba
I think I did this once. I think I'm running...

I think I did this once. I think I'm running about 18% of gross into the retirement bucket. P&I on the house is only 10%, sure feels like more. ESOP is 3%. The real kick in the dick is the 26% that...
Forum: Bull Pen 10-15-2016, 04:58 AM
Replies: 320
Views: 18,398
Posted By nhbubba
Yeah, some of this crap should be taught in...

Yeah, some of this crap should be taught in schools or something. I didn't learn about Roths until I was in my later 20's. A friend told me something like "why aren't you maxing your roth?" My first...
Forum: Bull Pen 10-12-2016, 02:47 PM
Replies: 320
Views: 18,398
Posted By nhbubba
I think I meant that, "like" kind. I would be...

I think I meant that, "like" kind.
I would be shocked to learn that is not a taxable event. It is frequently used as a way to avoid wash sales and tax loss harvest. Can't believe it counts one way...
Forum: Bull Pen 10-11-2016, 11:24 PM
Replies: 320
Views: 18,398
Posted By nhbubba
My 30 second, $0.02 opinion for the Internet is...

My 30 second, $0.02 opinion for the Internet is take the tax hit now, liquidate and get into some lower cost poop now. 20 years @ >0.5% ER has done the damage. Stop the bleeding, take the tax hit and...
Forum: Bull Pen 10-07-2016, 08:46 AM
Replies: 320
Views: 18,398
Posted By nhbubba
What's the saying? I don't have to outrun the...

What's the saying? I don't have to outrun the bear, I just have to outrun you.

Although at the risk of channeling my inner Smutty (ewe). There is also the risk that I'm sitting here busting my ass...
Forum: Bull Pen 10-06-2016, 08:47 PM
Replies: 320
Views: 18,398
Posted By nhbubba
Meh. He also scored huuuuuge in a booming Denver...

Meh. He also scored huuuuuge in a booming Denver real estate market. You or I try that and we'd probably lose it all.

I'm more a fan of jlcollinsnh and livingafi who stayed the course; lived...
Forum: Bull Pen 10-06-2016, 04:55 PM
Replies: 320
Views: 18,398
Posted By nhbubba
I walk a line. I'm sure each of us does. Probably...

I walk a line. I'm sure each of us does. Probably not the same line as the next guy, but I'm okay with it.
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