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moleculo last won the day on April 27 2020

moleculo had the most liked content!

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About moleculo

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  • Birthday 04/23/1975

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  1. That seems to be the case. I think when they stopped the match people stopped contributing and that's when it kicked in.
  2. while I'm here, I want to vent for a minute. Just checking my 401(k) and I'm down about $7k from a couple of weeks ago. Market fluctuation, right? nope. Last year when business went bad, my company froze 401(k) match and like 1/2 the company got furloughed. somehow that messed up our 401(k) balance and we failed a compliance test. I don't really understand how or why, but about $3500 of my contribution was deemed "excessive", even though I put in my allowable $19.5k. That amount was sent to me via check. Another $3500 was forfeited - employee match and some gains. So, basically
  3. thanks for the reply but it seems that the all in one fund isn't rebalancing - i mean, it strives to keep the same ratios between bonds and equity funds - when the market is down it isn't selling bonds to buy equity... seems to me that it really is doing nothing but limiting it's own upside. I think I know what I want to do. thanks.
  4. gotcha, but I'm really talking about a fund like FFNOX: fidelity four-in-one index fund. It is 60% S&P 500 index fund, 25% international index fund, and 15% investment grade bond funds. Seems like this limits ability to take advantage of rebalancing, right? I'm probably better off in something like 50% FXAIX (S&P 500 index fund) and then 50% in bonds or cash equivalent. (50/50 mix because IMO we are due a correction and I want to play it safe with this account - I'm looking at a 10 year horizon. My goal, BTW, is enhanced savings. I recently refinanced my house to a much
  5. ok, I'm looking at some index funds that are mixed between stocks and bonds for good diversification. The reason to do that is for protection in a downswing, right? If the market tanks, you want to be in bonds and a good mix limits the downside (while also limiting the upside) - at least, that's my understanding of it all. Well, we had a pretty bad downswing last year - roughly a year ago. it seems to me that the S&P500 outperformed these funds even then. I mean, maybe the bond funds did a tiny bit better, but really missed the boat climbing back out. Am I better off just put
  6. me too. I'm going to tell ATT to eff off and go no cable. I have an antenna mounted in my attic which gives me good reception for all local broadcast from Charlotte (ABC, NBC, CBS, FOX, PBS, and a few others). I have netflix, hulu, disney+ & amazon prime. I can certainly get HBO ala carte. Really, the only things I would be missing are ESPN come football season (maybe I sign up for Hulu live for September thru December), AMC for Walking Dead & Better Call Saul (all though I can stream on Hulu or Netflix when available), a few other random shows that I really wouldn't miss on F
  7. Are you talking about the people offended that Hasbro is refreshing a 70-year-old product line? I promise you - more people are offended by "Potato Head" than "Mr. Potato Head". I agree that people are too sensitive but I think we differ on who the delicate offended are.
  8. Btw, PR is def on our short list of places we'd like to go...maybe this summer. My wife is Puerto Rican but born in FL and has never been there. I think she has some distant relatives there.
  9. Early April isn't bad. We went once for spring break a few years ago and it was too cold for water parks. Crowd wise - could go either way.
  10. We are going to do Disney. I know they will go out of their way to accommodate handicapped folks. Will probably get a wheelchair and push her around. We've done Disney many times over the years - always a good experience.
  11. I know the keys fairly well, I used to live in south FL. Definitely want to take the kids there sometime. It is full of drunks but I'm ok with that. This isn't the time for that. Duvall St = walking and/or mopeds. Snorkeling/jet skiing isn't a great idea with a broken leg. No, this trip needs to be something easily accessible for a kid with a broken leg.
  12. Yeah, that's a place I've been lobbying for. My wife insists that the keys are too full of drunks (she's not wrong about that) and maybe not kid friendly. I think her focus is on resort style hotels - not my jam but probably easiest to do with a kid in crutches. Haven't found the kind of hotel she is looking for there.
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