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Re: Wasting money on rent or buy in California

Go with the apmt. That is a relative bargain. Welcome to the bay area.
You will come out $$$ ahead being in the apmt, especially while u get your bearings.
Be careful of commute times. Some are horrendous.
by Wannaretireearly
Fri Apr 11, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2239

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Thank you! Would love to hear from others
by Wannaretireearly
Thu Mar 20, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 2928

Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Always bought relatively good cars for under $40k out the door. No issues, good cars, Toyota & Honda currently. Been thinking (dreaming?) about leasing a luxury car. (5 series, 7 series, E class? World is my oyster!) 1. What are peoples honest thoughts about leasing an expensive luxury car, pers...
by Wannaretireearly
Thu Mar 20, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 2928

Social Security Q's for my mum

Hello, My mum is 59. Turns 60 in May - she has got a letter from SS mentioning she could start collecting my Dad's (passed away 2008 at age 59) pension this year ($500 a month). Mum still works & would be obviously be eligible to collect her SS when she turns 62. I understand SS collection/spous...
by Wannaretireearly
Sun Feb 16, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 4
Views: 370

Re: Any other travel freaks?

forgot a Bangalore/India trip for work. Generally work travel is horrible! This trip was a combo of work and fun over Diwali :beer
by Wannaretireearly
Thu Feb 06, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 92
Views: 5633

Re: Any other travel freaks?

i guess we qualify as Travel freaks. Family influence. Grandparents have lived on 4 continents. Slowed down a bit/gone more local since the 2 kids (3 & 5). Big % of budget still goes on travel. last year: Hawaii, Japan (anniversary), NJ (wedding trip), Seattle (Tgiving), Cabo (Xmas). dont like t...
by Wannaretireearly
Thu Feb 06, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 92
Views: 5633

Re: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation

A bad analogy - but I prefer new cars cos I know what they've been thru....almost like knowing you've raised your kids from birth, rather than adopting and taking on some unknowns.
Yes, a bad analogy....
by Wannaretireearly
Thu Feb 06, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation
Replies: 9
Views: 986

Re: AT&T Mobile Users: Check your plans

My past few weeks experience: Upgraded wifes phone to 5S (2 yr regular contract) paid close to $300 for the device incl taxes and upgrade fees etc Switched her from a 2GB data to to 3GB plan - Big mistake cos they dont allow my corporate FAN discount on anything except the 2 GB or unlimited plans. I...
by Wannaretireearly
Wed Feb 05, 2014 2:51 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6180

Re: Stratford school in the SF bay area

thank you!
The specific Stratford school campus would be in Fremont (Curtis St).

I would be comparing against:
Vallejo Mill elementary
Centerville Junior High
Washington High school
by Wannaretireearly
Tue Jan 28, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Stratford school in the SF bay area
Replies: 4
Views: 387

Stratford school in the SF bay area

<Posting here cos I know there are a number of bay area BH folks> I'm specifically looking for feedback and thoughts from those who know Stratford schools well in the bay area. My situation is I have 2 kids likely to go thru the Stratford school system over the next 10 years (elementary thru middle)...
by Wannaretireearly
Tue Jan 28, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Stratford school in the SF bay area
Replies: 4
Views: 387

Re: Bay area Public vs Private School

Very interesting Chentastic. Thanks for sharing. My older kid is in Stratford K at present. The things i like about it that I *think* may be a gap in public school: 1. full day program in K (obvious) 2. Emphasis in gaining actual English language/lit knowledge - drilled in with homework already. I k...
by Wannaretireearly
Fri Jan 17, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 5168

Re: Wine for daily consumption?

our house fave. available at costco:
http://www.menageatroiswines.com/wines/red

The red blend is perfect.
by Wannaretireearly
Tue Dec 03, 2013 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5161

Re: Hit a milestone today [401(k)]

Thank you for sharing AA details. Good luck and well done.
I've had a similar journey so far, less time & less saved but similar story of ups and downs (and ups) .
The help we get here is awesome to give us better 'guardrails' in a complex financial world full of pitfalls
by Wannaretireearly
Wed Oct 30, 2013 1:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today [401(k)]
Replies: 76
Views: 7999

Re: Hit a milestone today [401(k)]

Well done Madbrain.
Was this just your 401k total or combined with spouse?
Either way, its fantastic - but if its all on your own over just the past 13-14 years, I wanna know your AA in this account!

:sharebeer
by Wannaretireearly
Wed Oct 30, 2013 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today [401(k)]
Replies: 76
Views: 7999

Re: Deferred annuity: are folks starting to use these?

Sidney wrote:
Wannaretireearly wrote:
Sidney wrote:#1 is not entirely correct.


HSA cannot be used for medical insurance premiums in retirement?

See P 8-9 in IRS Pub 969. Defines the narrow cases where HSA distributions can be used for insurance premiums.


Thanks Sidney..
by Wannaretireearly
Mon Sep 16, 2013 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1300

Re: Deferred annuity: are folks starting to use these?

Retirement seminar recommending an annuity as an option. Absolute shocker. Where might you go to find one? Oh, I have an idea. Wow, such a group of cynics :) :) The fidelity rep mentioned annuities (immediate & deferred) and also mentioned her company doesnt offer them. She mentioned *guarantee...
by Wannaretireearly
Sun Sep 15, 2013 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1300

Re: Deferred annuity: are folks starting to use these?

Spent an hour at lunch y'day in a Retirement help/seminar. Mostly stuff I know. However still a few i didnt: This the entire problem. You didn't think that lunch was free did you??? Friends do not let friends attend retirement seminar lunches/dinners. Unless it is for entertainment value to tell th...
by Wannaretireearly
Sun Sep 15, 2013 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1300

Re: Deferred annuity: are folks starting to use these?

Spent an hour at lunch y'day in a Retirement help/seminar. Mostly stuff I know. However still a few i didnt: This the entire problem. You didn't think that lunch was free did you??? Friends do not let friends attend retirement seminar lunches/dinners. Unless it is for entertainment value to tell th...
by Wannaretireearly
Sun Sep 15, 2013 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1300

Re: Deferred annuity: are folks starting to use these?

Would a deferred annuity be a good idea for a small portion of net assets? Probably not. However, the insurance agent/financial advisor has to pay for that leased Lexus and the corner office some way and the commissions on your "small portion" would help. lol - seems there should be an op...
by Wannaretireearly
Sun Sep 15, 2013 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1300

Re: Deferred annuity: are folks starting to use these?

neurosphere wrote:
Wannaretireearly wrote:
Spent an hour at lunch y'day in a Retirement help/seminar.


I'm curious where the seminar was or who sponsored it. Was it through your work place?


Yep, was at our company offices, hosted by Fidelity our 401k provider.
by Wannaretireearly
Sun Sep 15, 2013 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1300

Re: Deferred annuity: are folks starting to use these?

Sidney wrote:#1 is not entirely correct.


HSA cannot be used for medical insurance premiums in retirement?
by Wannaretireearly
Fri Sep 13, 2013 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1300

Deferred annuity: are folks starting to use these?

Happy Friday! Spent an hour at lunch y'day in a Retirement help/seminar. Mostly stuff I know. However still a few i didnt: 1. HSA accounts can be used for medical premiums/medicare supplement (not just medical expenses) when in retirement - woohoo! (as long as you choose the high deductible option) ...
by Wannaretireearly
Fri Sep 13, 2013 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1300

Re: TLH or buy more? VCITX (CA LT tax exempt)

Bump. So I have some fresh funds which I should really *rebalance* into VCITX, per AA
Call me crazy? or a good move at present cos its down about 10% from its high?

Bond funds are not supposed to give you heartburn!!! :confused
by Wannaretireearly
Tue Sep 10, 2013 1:51 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 929

Re: Estimated tax payments for 2013: federal and CA

Thanks All. I also just adjusted my pay check online to *pay* an additional amount to ensure i hit 110% of last years tax liability - this seemed easier than the estimated payment route.
by Wannaretireearly
Sun Sep 08, 2013 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 645

Re: Estimated tax payments for 2013: federal and CA

Another alternative if you find that you need to pay more to meet the safe harbor: increase withholding on your wife's paycheck. That has the advantage that it is considered to have been paid evenly throughout the tax year, unlike an estimated payment that gets credit only when it is sent. That wor...
by Wannaretireearly
Sun Sep 08, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 645

Re: Estimated tax payments for 2013: federal and CA

jebmke wrote:If you meet the safe harbor test, it does not matter what your actual income is in the year.


Thanks jebmke. interesting - so as long as i pay enough to cover 110% of my 2012 tax liability (in 2013) it doesnt matter how how my income is - i cannot be penalized
by Wannaretireearly
Sun Sep 08, 2013 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 645

Re: Estimated tax payments for 2013: federal and CA

jebmke wrote:Probably too late to get registered and validated on EFTPS for Q3. Here is the site you can get set up in time for Q4

https://www.eftps.gov/eftps/


Thanks. will check this out. trying to figure out if i will get penalized (my last post) - so confusing :)
by Wannaretireearly
Sun Sep 08, 2013 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 645

Re: Estimated tax payments for 2013: federal and CA

just read this: http://www.bankrate.com/finance/taxes/the-skinny-on-paying-estimated-taxes-2.aspx if i read this right re: safe harbor payment: - if you made more than $150k total IN 2012, and paid $30k in taxes due, you would need to pay at least 110% of total 2012 taxes to avoid having penalties a...
by Wannaretireearly
Sun Sep 08, 2013 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 645

Estimated tax payments for 2013: federal and CA

Folks, Although I have tax $$$ withheld from my/wifes paychecks I fully expect I need to pay enough federal and CA tax in 2013 where I should pay now to help avoid penalties next year. Due to stock sales etc. I'm confused on how best to do this. I am not using those quarterly vouchers that Turbo tax...
by Wannaretireearly
Sun Sep 08, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 645

Re: TLH or buy more? VCITX

AQ wrote:Muni ETF is surging today, and I take it a likely turning point and started to build up.. :happy


Hope so AQ! :)
by Wannaretireearly
Thu Jun 27, 2013 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 929

Re: TLH or buy more? VCITX

You could TLH into the national Long-Term TE fund; looks like it's dropped by about the same amount. Of course if you want to be in the CA fund for the additional state exemption, you'll want to switch back in one or two months (and hope that the price doesn't rocket back up before then). There als...
by Wannaretireearly
Thu Jun 27, 2013 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 929

Re: TLH or buy more? VCITX

Thx Coldplay
Any other feedback?

Cheers
by Wannaretireearly
Tue Jun 25, 2013 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 929

TLH or buy more? VCITX

Vanguard California Long-Term Tax-Exempt Fund Investor Shares (VCITX) Bought this about a month ago....down 8%! :( 1. If I TLH, what should I TLH to get the TLH beneift without screwing up? Also gotta factor this 6 month or less holding thing re: tax exempt interest. 2. Should I stay the course and ...
by Wannaretireearly
Tue Jun 25, 2013 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 929

Re: No Foreign Transaction Fee Credit Card vs. ATM and Cash

Depends on the country as others said. My experience from a great trip to Japan, got back yday! 1. Changed all money using bofa online. Good service in us. Yen sent to local us branch near home. Got a rate near 97 yen to the dollar. No other fees. Seemed a better option than most others in the us. T...
by Wannaretireearly
Tue Jun 18, 2013 7:27 am
 
Forum: Personal Consumer Issues
Topic: No Foreign Transaction Fee Credit Card vs. ATM and Cash
Replies: 43
Views: 4233

Re: Paid off mortgage today

Congrat worktolive! Great job b4 40.
We got 9 more years to go on the mortgage, counting down...just having it now in single digits seems a relief....then its kids done, FIRE, and sleeping in on Mon mornings 8-)
:sharebeer
by Wannaretireearly
Fri Jun 07, 2013 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 73
Views: 5866

Re: Adult "child" moved back home - avoiding failure to laun

Thanks Cookie! Agree its tough not to spoil these kids with so much material stuff.
Will take the advice to have them work for chores etc at least to some extent so they have some work ethic/responsibility etc.

Bongo: well done, sounds like things are just starting to improve
by Wannaretireearly
Sun Jun 02, 2013 3:54 am
 
Forum: Personal Consumer Issues
Topic: Adult "child" moved back home - avoiding failure to launch
Replies: 196
Views: 12459

Re: Adult "child" moved back home - avoiding failure to laun

OP: good luck, some ppl take longer to mature All: this thread is interesting, but scares the crap out of me as I have 2 little ones ( bet I'm not the only one!). Parenting def trumps all other jobs! to those who shared similar experiences, anything you would have done differently (or wanted your pa...
by Wannaretireearly
Fri May 31, 2013 6:53 am
 
Forum: Personal Consumer Issues
Topic: Adult "child" moved back home - avoiding failure to launch
Replies: 196
Views: 12459

Re: Trip to Tokyo!

Bumping this as our trip is next week. Appreciate any recent info or advice.
We did book a bullet train trip to hakone and then overnight in Kyoto. Other than that we have 5 days in Tokyo!
by Wannaretireearly
Thu May 30, 2013 12:30 am
 
Forum: Personal Consumer Issues
Topic: Trip to Tokyo!
Replies: 44
Views: 3730

Re: Fixed income/bonds in taxable investments today

An update: bought about 2 weeks ago and already down 1% on the NAV :shock:

Oh well: bought 'long term tax exempt' for a reason & hope the 'higher' yields make it up!

Staying the course :sharebeer
by Wannaretireearly
Wed May 29, 2013 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income/bonds in taxable investments today
Replies: 8
Views: 931

Re: Fixed income/bonds in taxable investments today

OP, I would use the California tax exempt long term as long as you will hold for 5 years. The yield dropoff to intermediate is significant (2.2 to 1.5%) and the duration is not that much longer for long term. Thank you. I think I'll go with this suggestion to use California tax exempt long term. Se...
by Wannaretireearly
Sun May 12, 2013 2:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income/bonds in taxable investments today
Replies: 8
Views: 931

Re: Fixed income/bonds in taxable investments today

Thanks Peter and TFB. Would be great if you can expand a little on the justification for your respective recommendations.

Much appreciate all the help I get from everyone here....
by Wannaretireearly
Thu May 09, 2013 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income/bonds in taxable investments today
Replies: 8
Views: 931

Fixed income/bonds in taxable investments today

Folks, a quick request: Sold some ESPP and not sure what to do with it (~10% of the pie). My target AA (25% fixed/40% intl stock/35% dom stock), & my sanity, would demand putting this into 'fixed' income. What taxable fixed income vehicle would you use? I dont plan to need the money til ER. I'm ...
by Wannaretireearly
Thu May 09, 2013 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income/bonds in taxable investments today
Replies: 8
Views: 931

Re: Social security question for mum

Where does she live/work now? Is she still living and working in the US now, and so still building up SS credits, or not? And how long does she think she can/want to continue working? Eligibility for SS generally involves working for at least 10 years, which they both presumably have (although I wo...
by Wannaretireearly
Wed Apr 24, 2013 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social security question for mum
Replies: 8
Views: 678

Re: Social security question for mum

I don't know how the UK/US interaction affects things. ( This page may be helpful.) But if they had both worked in the US their entire careers, two strategies she would probably want to consider would be: 1) Claim benefits as your dad's widow at age 60, while allowing her own retirement benefit to ...
by Wannaretireearly
Wed Apr 24, 2013 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social security question for mum
Replies: 8
Views: 678

Re: Social security question for mum

I don't know how the UK/US interaction affects things. ( This page may be helpful.) But if they had both worked in the US their entire careers, two strategies she would probably want to consider would be: 1) Claim benefits as your dad's widow at age 60, while allowing her own retirement benefit to ...
by Wannaretireearly
Wed Apr 24, 2013 1:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Social security question for mum
Replies: 8
Views: 678

Social security question for mum

Mum works, Turns 59 year. worked in US past 15 years. 20 years in UK before that. Dad passed away in 2008. Would have turned 64 this year. worked in US for about 15 years. About 20 years in the UK before that. What US SS options does my mum have given her SS and whatever she gets from Dad? I'd like ...
by Wannaretireearly
Tue Apr 23, 2013 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social security question for mum
Replies: 8
Views: 678

Investing theory: I bonds/TIPS and tax efficiency

Really two different questions: 1. For a mid career working fella do I bonds and TIPS make sense if they fit into your desired AA? I seem to see advice here, and on the Vanguard charts, where these kinda bond assets are recommended more at around 5 years from retirement. 2. Given interest rates are ...
by Wannaretireearly
Sun Feb 03, 2013 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Investing theory: I bonds/TIPS and tax efficiency
Replies: 5
Views: 744

Re: Trip to Tokyo!

Thanks for everyone's responses. The quality of the responses here is just awesome.
Bogleheads rock :)
by Wannaretireearly
Wed Jan 16, 2013 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Trip to Tokyo!
Replies: 44
Views: 3730
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