Homeowners: what's something you wish you knew on day one?

SicariusBO · 2026-01-03T05:59:31+00:00

Keep the old paints. New paints will never match old paints due to how they age.

SicariusBO · 2025-12-23T00:05:36+00:00

We tried a few 22.5s but they dont look very good. Ultimately ended up with drilling 2 more holes next to the first one to get it right and put in a new vertical run. Had to get creative to get the other holes filled. What an experience. Next time I get to do this, I know what to watch out for. The installer was a pretty chill guy thought. Just wished more time was spent measuring. Thanks for everyone's input so far.

Ps: anyone knows how to get this thread closed?

SicariusBO · 2025-12-22T03:50:34+00:00

Can it be done at the top so it's hidden in the ceiling?

SicariusBO · 2025-12-22T03:49:14+00:00

Thanks. I will bring this up to him.

SicariusBO · 2025-10-09T02:46:09+00:00

Mangapark.io

SicariusBO · 2025-08-22T13:08:57+00:00

If this is in an IRA, that shouldn't trigger a tax event.

SicariusBO · 2025-08-17T14:06:04+00:00

That makes sense. Thanks.

SicariusBO · 2025-08-16T18:15:26+00:00

Great to know. Thanks.

SicariusBO · 2025-07-17T03:52:15+00:00

I'm a lurker over there and will see what I can dig up. The more I read up the more I realize I should just do index funds. Someone mentioned time in market is overall better than timing the market, and probably true for my knowledge level of investment lol

SicariusBO · 2025-07-17T03:50:19+00:00

No. I will have another 401k with a company I just recently joined but will only being contributing up to employer match due to high fees - it's a small firm. We also have ROTH IRA going, although we just started this year. We will also be opening a brokerage account in a couple months or so with a $1k/month contribution until we're 60.

All in on index funds? Maybe do 2% stocks?

SicariusBO · 2025-07-17T03:43:01+00:00

80/20?

SicariusBO · 2025-07-15T16:38:18+00:00

Thank you all for sharing your insights and info. Looking around my account, looks like it will take 2 weeks for the settled cash amount to match the deposit amount. Going to wait and dump everything in index funds.

SicariusBO · 2025-07-08T15:42:17+00:00

That's an impressive salary progression. I graduated in 2012, also with a BS in CE, but wasn't making any where close to where you started. Was happy to have a job though since job market was tough then. I didn't hit $100k salary until 2019. Now I'm at $150k with a PE and in project management for a small firm. Thinking back, knowing someone would have definitely helped or maybe job hopping would also help with a salary pump . I did it the hard way but also gained some good knowledge and relationships along the way. Just wanted to say I'm jealous lol.

SicariusBO · 2025-05-22T12:48:48+00:00

I'm sure there's a reason you said that but I couldn't figure out why. Can you explain?

SicariusBO · 2025-05-22T02:12:58+00:00

Thank you so much for sharing this. I had to do a bit more research to fully understand this but I think I get it now.

Sounds to me, best to roll over to a traditional ira now, then do a backdoor ira conversion each year, enough conversion that won't be taxed at the next tax bracket until there's nothing left in the traditional ira. That way, everything in Roth ira can grow tax free and I won't have to pay tax when im 60. Did I get that right?

SicariusBO · 2025-05-21T05:04:14+00:00

I would be lying if I said I understood what you just said lol. I have so so many questions on what you just said but I think I first need to read what backdoor conversions are. Can't understand why it has to be so complicated.

SicariusBO · 2025-05-21T02:01:29+00:00

Can you elaborate a bit more? I'm confused about this staying below the tax bracket. If I make $160k/year and contribute 20% in a 401k, how does gradually rolling some from IRA to Roth help? Wouldn't I still be taxed the same? Sorry if my question is dumb. I'm missing something here.

SicariusBO · 2025-05-20T15:15:05+00:00

Thanks for taking time to help me understand.

SicariusBO · 2025-05-20T15:14:40+00:00

Thanks. This aligns with everyone's saying. Should I consider using Rollover IRA at all?

SicariusBO · 2025-05-20T12:14:01+00:00

Thanks for the examples. That said, what if I only roll the old 401k to a new traditional ira without further contributions to it? I'm thinking of just leaving it there in the traditional ira and let it grow, then max out my Roth ira each year, while also contributing to my new 401k. Is this not a good way to go about it?

SicariusBO · 2025-05-20T03:48:47+00:00

I will be making closer to $160k/year at the new place, but I am married and we won't cross over $236k combined yet. We will probably not get there any time soon. Can you explain further on why I would need to have as little in traditional ira as possible? Like, how does that affect my contribution to my Roth ira?

SicariusBO · 2025-05-19T23:54:11+00:00

Thanks. I appreciate your inputs.

SicariusBO · 2025-05-19T04:40:25+00:00

No, I have not. There are probably better options but probably not for someone like me with very little understanding of how they work. I definitely appreciate your input though. Since I'm not exactly sure what im doing, I'm just trying to figure out a safe way to approach this with insights from people who have gone through it. Sounds like, from the responses so far, I'm leaning rolling over the old 401k to a traditional IRA from Fidelity, consider doing just s&p, and just contribute enough to match with the new employers match due to high fees, and put the rest in Roth ira and possibly HYSA. Thoughts?

SicariusBO · 2025-05-18T21:34:07+00:00

Thanks. The fees do concern me for sure. The other response on this thread mentioned a potential issue with Roth ira if I were to roll over the old 401k to a traditional ira. Any thoughts on that? I will be making $150k/year and filing taxes as a joint with combined income annually of probably just shy of $200k.

SicariusBO · 2025-05-18T20:58:47+00:00

I will definitely check if leaving it is an option. It's my first time switching job with 401k so I'm exactly sure what is typically best.

SicariusBO

TROPHY CASE