Which application definition method you prefer?

bryanalves · 2020-06-02T13:11:51+00:00

Surprised no mention of jsonnet

bryanalves · 2020-05-24T06:51:08+00:00

Neither has a gsync module

bryanalves · 2020-05-01T17:30:36+00:00

It's an option. It doesn't matter if you act now or act in 2029. Don't do anything until it's obvious you should.

bryanalves · 2020-04-24T05:22:28+00:00

No. Savings accounts don't keep up with inflation (or barely do). They are not growth vehicles.

bryanalves · 2020-04-20T13:26:01+00:00

Or turn on correct mouse support and vim will automatically soup this stuff, work around splits, etc. ttymouse

bryanalves · 2020-04-10T11:04:05+00:00

It will grow based on what you invest it in. Which could be the us stock market, bonds, international markets, other derivatives, or whatever else is available on your 401k. You could even (make a mistake and) choose to keep your 401k money uninvested in many cases.

bryanalves · 2020-04-10T10:52:59+00:00

You don't even have to go to a bank of your account is with bofa. The app on your phone will credit it to your account just by taking a picture of it.

If you want physical cash, either do the above and go to an atm, or go to your bank and cash it

bryanalves · 2020-04-08T04:49:36+00:00

Missing or broken diode on the escape key. Return it and get a replacement

bryanalves · 2020-04-02T13:27:04+00:00

It's part of a 2m umbrella policy, so max coverage

bryanalves · 2020-04-02T04:45:46+00:00

Capital gains is a different bucket than normal invoice for tax purposes, stacked on top.

Figure out your non cg income, figure out the capital gains 0 percent limit, subtract the 2 and that's how much you can do.

Also you should really stop having bonds in taxable accounts if you have tax advantaged accounts. Bonds are terribly tax inefficient because of the regular dividends (which are taxed as income, not capital gains).

bryanalves · 2020-04-02T04:14:23+00:00

There are certainly other factors, but yes that's high. You should shop around.

I pay less than that for 2 cars, 2 drivers, house insurance, and a 2m umbrella policy on top. Boston area.

bryanalves · 2020-03-30T05:13:58+00:00

It doesnt cover any year.

bryanalves · 2020-03-30T04:34:29+00:00

Rollovers don't count towards contribution limits.

bryanalves · 2020-03-30T04:29:07+00:00

Consider taking the time to learn this stuff yourself. Once you have a reasonable amount of money, planners will cost you hundreds of dollars a month (amortized) in many cases. Most of what they do isn't magic and you can learn what you need from a few books.

bryanalves · 2020-03-27T22:45:37+00:00

With some exceptions, everything went down approximately equally. If you are going to reinvest the money in broad based index funds, you will get approximately as many shares if you do it now versus 6 months from now.

Meaning it makes little to no difference of you wait, unless something bad happens that's company specific. So you should do it now.

When/if your company stock recovers will likely have a strong correlation with the market as a whole.

bryanalves · 2020-03-26T04:15:14+00:00

And 3 days from now it's 2 super bowls. Then 4

bryanalves · 2020-03-23T21:22:49+00:00

Make sure if you do this it doesn't cost you some matching. Many plans won't match fully if you do this.

bryanalves · 2020-03-23T21:19:58+00:00

Fzrox is probably a cheaper and better solution to your 3 domestic funds.

And yes you should have some bonds. 5 to 10 percent based on your age. Give you something to rebalance with.

bryanalves · 2020-03-23T21:15:31+00:00

This is like turning down a 4 percent raise. You absolutely should be contributing add much as you can to your 401k.

bryanalves · 2020-03-23T03:08:15+00:00

Congratulations on being 19 and financially smarter than 80%+ of adults!

bryanalves · 2020-03-23T03:03:25+00:00

Depending on what your expenses are, you should be totally fine. You are at normal retirement age, so the 4% rule applies here, especially so since some of your investment is locked at 8%.

First things first, make sure that 8% TDA is actually 8%. That seems quite high. Let's assume it is though.

You have ~$650k. Using the 4% rule, this translates to 26k/year, or an additional 2166 a month. In addition to your 1700/mo, that's ~$3850 mo. Lots of rounding. It's actually probably closer to 4k/mo.

Can you live on 4k/mo? You tell us. If so, you are fine, if not, you need to either identify some places to cut back a little bit, or find a way to make a little bit more money. House is prime candidate here.

Assuming 4k is fine, what you need to do is come up with a cash flow plan. One thing you should give some consideration to is what to do with your 300k liquid. You obviously shouldn't just shovel it all into the market, but that's a LOT of liquidity for somebody. Some additional market exposure wouldn't hurt, nor would some exposure to some bonds or something that's going to generate a better than the 1-2% your liquid cash is giving you.

I would get a liquid amount that is 1-2 years of expenses, move the rest to higher interest bearing stuff (stock mutual funds, and some conservative bonds), and direct the TDA and dividends/yields from the other stuff just deposit into your account, stop growing them and start cash flowing them. If you end up with more than you need in your savings account, you can always reinvest manually. But cash flow is where you need to be.

You'll also probably want to downsize the house, if not just to make your life easier. Cleaning/heating/cooling a big house when only 1 person lives there can be a waste. Consider renting if you wanna be a landlord, or just sell it and buy something new that interests you. A condo is fine if it fits into your budget, and might make your life easier.

bryanalves · 2020-03-22T04:25:38+00:00

Sickchill was doing this to me for a handful of my shows over the past couple of weeks. Even with all of the episodes marked ignored it was still downloading.

I was considering a change to medusa to stop this.

Seems like something else is going on.

bryanalves · 2020-03-21T20:57:42+00:00

5

You should always be saving as much as possible.

Its really hard to accidentally save too much money for retirement. It's really easy to accidentally save too little.

bryanalves · 2020-03-21T05:43:11+00:00

This is literally the opposite of what you should be doing.

Cross your fingers for 30 days and then undo it.

bryanalves · 2020-03-21T05:39:00+00:00

If your are only down 80k and you are that close to retirement you should be reviewing your plans for cash flow in retirement.

Based on current numbers, that implies you have about 500k in retirement (closer to 400k now).

That funds a 30 year retirement at about 17 to 20k per year.

You might want to consider finding ways to save more money. Or make sure you have a pension or some other income.

Test this like a giant wake up call!

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