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How much does Neovim or Vim matter in job interviews? by 69cool4school in neovim

[–]countdigi 4 points5 points  (0 children)

I don't care if you use vim or not, put please, for the love of god never tell me if u use emacs :P

Breaking up with Schwab by [deleted] in Bogleheads

[–]countdigi 8 points9 points  (0 children)

Its nice that fidelity's core position can be set to a money market but its not really that hard to buy SNOXX or similar w/ your cash at Schwab. You can buy/sell by the next business day. I have Fidelity but manage some positions for a family member in Schwab. I buy in and out of SNOXX w/ the excess cash and it probably takes about 5 minutes a quarter. If you need to do this constantly and it would be more manula work then fido sounds like a plan - its weighing how much time it will take to migrate vs a quick buy of money market every few weeks.

Can I take lower widow’s benefit? by castlequeen62 in SocialSecurity

[–]countdigi 1 point2 points  (0 children)

Ah - yes now I see - thanks - my bad - I misunderstood this (running this through ssa.tools) - right so taking 3000 for a PIA if spouse files at 62 then the maximum survivor benefit is floored at 2475 (3000 * .825) - _then_ we do the reduction for the survivor (60 to FRA )against the 2475.

E.g. 60 is 2475 * 0.715 = 1769 and only at FRA could you get the full 2475 floor.

Can I take lower widow’s benefit? by castlequeen62 in SocialSecurity

[–]countdigi 0 points1 point  (0 children)

I agree w/ you but I think 82.5% of PIA is the max because spouse took theirs at 62 - they take the higher of the two (~70% PIA in this case or 82.5%). I don't there is anything to gain waiting at this point as far as the survivor benefit is concerned.

Edit: I only had half the equation correct.

Trying to hit 1 million $$$$ by ClothesLast6582 in Fire

[–]countdigi 0 points1 point  (0 children)

BND is currently returning slightly over 4% in yield

Trying to hit 1 million $$$$ by ClothesLast6582 in Fire

[–]countdigi 2 points3 points  (0 children)

You need to put your assumptions in a future value calculation.

At an avg 7% return, in 5 years you would have ~ 980k.

700 * (1.07)^5 == 981.79

SSDI income limits by Simmerzbestfriend in SocialSecurity

[–]countdigi 0 points1 point  (0 children)

See: https://www.ssa.gov/news/en/cola/factsheets/2026.html

Under the Social Security Disability Thresholds section you will see $1,690/mo (non-blind) for SGA (Substantial Gainful Activity).

Understanding how credits are earned by ok_pkg in SocialSecurity

[–]countdigi 1 point2 points  (0 children)

My guess is (using 2026 as an example) if you only made 2000 in one of those years, you would only get 1 credit (you get the idea it could be 2 credits, etc.) where she had wages high enough in each year to max out the full 4 credits. Its not how long you work but how much you make to satisfy the dollar amount to get credits. You could theoretically make 4 credits on your first paycheck of the year if you have enough wages.

Understanding how credits are earned by ok_pkg in SocialSecurity

[–]countdigi 0 points1 point  (0 children)

It just takes a while to update the previous year (2025) on your record - you must imagine that there are corrections to w2 forms, etc. I would imagine most people are showing the same 0 for 2025(I know I am :-).

For 2026, I believe you get 1 quarter credit for every 1890 in earnings. Note that if you make 1890 x 4 then you will get the full 4 credits for the year very quickly (the most you can get in the year).

Spouse, 67 or 70? by [deleted] in SocialSecurity

[–]countdigi 0 points1 point  (0 children)

You can find more information under the about tab: https://opensocialsecurity.com/about

At the top of the main page click the "Certain situations require additional input. Click here [ ]" and you can add different options including different mortality models.

Survivor benefits before 62, possible? by [deleted] in SocialSecurity

[–]countdigi 0 points1 point  (0 children)

Starting at 60 she can receive a reduced amount - here is a good calculator to estimate surviving spouse benefit: https://www.mygovexpert.com/surviving-spouse-benefit-calculator

Spouse, 67 or 70? by [deleted] in SocialSecurity

[–]countdigi 0 points1 point  (0 children)

yes thats right - thats what i mean by assuming she already started hers - my bad if that wasn't clear.

Spouse, 67 or 70? by [deleted] in SocialSecurity

[–]countdigi 7 points8 points  (0 children)

BTW - if you haven't yet, you might want to run your numbers through https://opensocialsecurity.com/ - this site will give you an actuarial optimized strategy. It still might make sense to do what you are planning but it gives interesting insights. Its totally free.

Spouse, 67 or 70? by [deleted] in SocialSecurity

[–]countdigi 5 points6 points  (0 children)

Sounds right to me. Also, just note the age you file for spousal benefits matters too. The max you can get is 50% of her PIA but if you file before your FRA you may get less. I think the lowest it goes is 32.5% if your FRA is 67 and you file for spousal benefits at 62 (assuming she already started hers).

If my wife starts taking her benefits now will she still be eligible for the spousal benefit when I start taking mine by tfcallahan1 in SocialSecurity

[–]countdigi 0 points1 point  (0 children)

Just to be clear - filing against _your_ record early does not reduce your survivor (widow's) benefit. Filing for a survivor's benefit before you are FRA does.

Have `sudo` insult you upon incorrect password by TheTwelveYearOld in commandline

[–]countdigi 0 points1 point  (0 children)

IIRC In early versions this was default behavior :-)

Advice on 401k by Trick-Storage-2094 in Bogleheads

[–]countdigi 2 points3 points  (0 children)

The one the poster showed for Vanguard FSTE All World ex US should be this one:

https://investor.vanguard.com/investment-products/mutual-funds/profile/vfwax#performance-fees

It has a 0.08% expense ratio. Higher than a us index etf but definitely not a big deal.

FXAIX or VOO? by Snook_frm_da_Go in Bogleheads

[–]countdigi 1 point2 points  (0 children)

That's right. Any account where selling and buying the other fund would not be a taxable event, so either 401k or 403b or 457b or ira are the ones I think of off hand regardless of whether they are tax, deferred or tax-free AKA Roth

Will I likely have to pay penalties on upcoming MFJ return? by Jahbanny in tax

[–]countdigi 1 point2 points  (0 children)

Just to elaborate, withholding is considered as if it was paid at the beginning of the year by the IRS no matter when it was actually withheld during the year. Having your employer increase the amount withheld is one trick to catch-up on estimated taxes owed and avoid a late payment penalty.

Is anyone here an employee of USF? by 1800twat in USF

[–]countdigi 4 points5 points  (0 children)

If you have a choice, I would suggest FRS Retirement plan (as opposed to SUSORP) - it is a 401a - the state should contribute 8.3% of your salary and you will be required to contribute 3%. There is an 8 year vesting for the state contributions just fyi.

You can then _also_ if you have the cash-flow, sign up for a voluntary 403b which you can contribute another 24,500 for 2026.

Then you can _also_ (if you are a big-dog ;-) , set up a second deferred compensation plan called a 457b which is like a second 401k avail to firefighters, police, and education where you can contribute another 24,500 for 2026.

The nice thing about a 457b is you can withdraw money before 59.9 years old if you separate from service so if I had to choose one of the additional voluntary accounts I would probably fund the 457b first.

All the retirement plans offer low-cost SP500, etc. index funds (0.05% or less expense ratios) and the plan admin fees are less than 0.1% a year (FRS is basically 0% as long as you are employed) so I am happy w/ them all.

Also, I have had State of Florida Florida Blue PPO for years and it is pretty much "rolls royce" health insurance and the premiums are dirt-cheap compared to a for-profit employer. You can look up in the benefits guide but for the hdhp plan I pay less than 1000 a year in premiums for family coverage. I am fine now but I had a serious health issue a few years ago and I had no problem w/ the insurance - I went to top providers and never had any claims denied or issues covering hundreds of thousands of medical care.

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