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Re: Experience in working with TD Ameritrade

Very happy. Best interface design and mobile tools in the business. Reasonable transaction fees, free ETFs, and good resources and tools. However, once I started educating myself, I realized most of their educational stuff is for beginners. I mean, how complicated is index investing and aa? Although...
by boroc7
Sat Apr 18, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Experience in working with TD Ameritrade
Replies: 15
Views: 692

Re: Can we afford [a masters degree]?

She should at least consider Johns Hopkins' certificate program in Data Science through Coursera. Would only cost her $470. https://www.coursera.org/specialization/jhudatascience/1 What is a "certificate program"? That's great that a venerable institution like Hopkins is offering certific...
by boroc7
Fri Apr 17, 2015 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 37
Views: 2382

Re: Battery or Gas Lawn Mower

For under 30 minutes. This is perfect: http://www.amazon.com/Fiskars-Staysharp-Reel-Mower-18-Inch/dp/B0045VL1OO/ref=sr_1_1?ie=UTF8&qid=1428429016&sr=8-1&keywords=fiskars+staysharp My lawn takes about 45 minutes and I use this mower. Fun and the savings on gas/oil/electricity is pretty g...
by boroc7
Fri Apr 17, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Battery or Gas Lawn Mower
Replies: 30
Views: 1655

Re: Would you buy a house without AC?

We lived just north of LA, so way hotter than South Bay, and with no AC. It was perfectly fine, except for those heat wave stretches. So to get AC for just a handful of weeks out of the year didn't make sense to us. Having proper shade trees/awning helped so much. When we moved and rented the home o...
by boroc7
Fri Apr 17, 2015 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 58
Views: 4222

Re: 2015 net worth survey

Action--read this:

Income
http://www.census.gov/newsroom/press-re ... 4-169.html
In it are two links to more detailed reports.

Net worth
http://www.census.gov/people/wealth/dat ... ables.html

Better picture of where you stand--what you do with the information, please share with us.
by boroc7
Thu Apr 16, 2015 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 net worth survey
Replies: 20
Views: 2856

Re: Help me choose: HDHP/HSA or Regular Health Care Plan

This is interesting, thanks everyone for your feedback and the specifics. It sounds like the advantage of the HDHP/HSA scales with your tax liability. In my case, I would be hard pressed to max out the HSA (I'm getting the 401k match), and can do about half of it by channeling what we have been payi...
by boroc7
Thu Apr 16, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1086

Re: Help me choose: HDHP/HSA or Regular Health Care Plan

Tax Bracket - 15%. I can't contribute the maximum, we are not in a position to do so, unless we stop contributing to our Roth.
by boroc7
Wed Apr 15, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1086

Re: Help me choose: HDHP/HSA or Regular Health Care Plan

Thanks for the input thus far. It's a non-profit employer, a few hundred employees or so. I'm guessing with the high incomes I see regularly posted here that this plan would pain many a reader. In fact, it pains me, it's the worst I've ever had. My salary is probably median American income, although...
by boroc7
Wed Apr 15, 2015 9:10 am
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1086

Help me choose: HDHP/HSA or Regular Health Care Plan

I would appreciate feedback on what health care plan we should sign up for. The enrollment deadline is in a couple days, and after some digging I think we are leaning towards doing the HDHP/HSA. Here are the details: Regular Plan, In Network - Cost: $135 per pay period (24) Deductible: $650/$1,300 C...
by boroc7
Tue Apr 14, 2015 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1086

Re: Does your family know about your net worth (ball park)?

So I'm curious what kind of conversations you've had with your spouse or other members who do know about your net worth about keeping it private?
by boroc7
Tue Apr 14, 2015 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 91
Views: 9070

Re: Kitchen upgrade - granite selection help

Thanks all so much for the great advice. Seems like the latest trend is quartz. I would like to enquire the prices before jumping on to quartz. Should I be shopping in the same granite counter top stores for quartz too? The store where I shopped for Granite said Quartz is almost 3 times expensive t...
by boroc7
Tue Apr 14, 2015 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 51
Views: 3998

Re: Which 3 year old hybrid: Camry or Prius

I own a Prius C. You can buy a new one for 20K or less. I hypermile and usually get over 60 miles to the gallon, often over 70 miles to the gallon. I really enjoy my car and, find it fun to drive. They really hold their value -- not much depreciation. I echo what was said about the Prius navigation...
by boroc7
Tue Apr 14, 2015 10:07 am
 
Forum: Personal Consumer Issues
Topic: Which 3 year old hybrid: Camry or Prius
Replies: 36
Views: 2687

Re: Experience with Apple Pay?

Meijer, Subway, and Panera Bread are the 3 vendors I use. This works out to maybe once a week. I dislike that this draws a lot of attention, both from employees and other shoppers. Go figure, the folks at the cash register never notice it with me. Maybe because I'm so smooth. :wink: After all, most...
by boroc7
Tue Apr 14, 2015 9:57 am
 
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 32
Views: 2385

Re: AAPL

I like AAPL, and Apple, but I wish this particular thread would die, or that a moderator would close it.
by boroc7
Mon Apr 13, 2015 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 215
Views: 47657

Re: Kitchen upgrade - granite selection help

You are stressed...and you probably don't have much experience with colors. Please, go talk to a designer and have them walk you through it. Colors aren't easy, as just a slight variation in tone can make a significant difference. What kind of lighting you have also matters--for example the lighting...
by boroc7
Mon Apr 13, 2015 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 51
Views: 3998

Re: JOWPYN - The Joy of Working Past Your Number

This is just my own interpretation, but your post mostly revolved around feeling a sense of financial freedom and joy due to being able to earn additional money beyond your number and to spend it however you want or to cover for unknown bills. I thought your post was going to be about actually disco...
by boroc7
Mon Apr 13, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: JOWPYN - The Joy of Working Past Your Number
Replies: 55
Views: 7596

Re: Experience with Apple Pay?

Meijer, Subway, and Panera Bread are the 3 vendors I use. This works out to maybe once a week. I dislike that this draws a lot of attention, both from employees and other shoppers. Go figure, the folks at the cash register never notice it with me. Maybe because I'm so smooth. :wink: After all, most...
by boroc7
Mon Apr 13, 2015 7:49 am
 
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 32
Views: 2385

Re: Real Estate - Japan

I hope you get some responses. I'd love to do this myself one day. Would you be doing the other part of the year stateside, perhaps west coast?
by boroc7
Mon Apr 13, 2015 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Real Estate - Japan
Replies: 5
Views: 675

Re: Has Anyone had a Credit Card Cancelled for not Using It

Yes, this happened to me a month ago for a business credit card I hadn't used in well over a year. It automatically happens per their policy.
by boroc7
Mon Apr 13, 2015 7:10 am
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 49
Views: 3391

Re: Rental Real Estate beats bonds anytime

Bonds yield nothing these days. Why not go into single family homes. $100,000 home gets you 10% ($1000/month) here. No way bonds will ever yield anything more than 1% in the next 10 Years. Portfolio allocation (stock/bond) doesn't work if bonds pay nothing. You must have never rented a home out bef...
by boroc7
Sat Apr 11, 2015 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental Real Estate beats bonds anytime
Replies: 13
Views: 1301

Re: Favorite Boglehead Avatar?

For some reason, TwoByFour's avatar makes me chuckle about 50% of the time and creeps me out the other 50% of the time. But it's always eye-catching and I think it's probably what I look like hunched over at my desk all day, so I vote for that one: http://www.bogleheads.org/forum/download/file.php?...
by boroc7
Sat Apr 11, 2015 12:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4531

Re: Price for new furnance & AC unit

jsl11 wrote:
killjoy2012 wrote: Lennox is good quality, but the black sheep of the hvac world.

Please explain this comment. Thanks.

Indeed, I've never heard this.
by boroc7
Sat Apr 11, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Price for new furnance & AC unit
Replies: 21
Views: 1367

Re: 2 commas and mortgage-free

200k to 1M in 10 years? That's remarkable. Do you mind me asking what dollar amounts you were roughly putting away?
by boroc7
Thu Apr 09, 2015 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 commas and mortgage-free
Replies: 33
Views: 4466

Re: Honeymoon Ideas

My bit of advice - a honeymoon is one of the few times in your life that you're expected to go away and enjoy the time off with your new spouse, and work will understand. In 1975 I was a WAE employee for the Feds. I was stone broke, deep in debt and getting married. (and Graduating from law school)...
by boroc7
Thu Apr 09, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Honeymoon Ideas
Replies: 31
Views: 2412

Re: The $1 Million Goal: Source of Motivation or Discouragem

While I agree it is possible to retire comfortably on far less than $1 Million, I don't see $1 Million as all that much money for someone now in the accumulation stage. Assume a $20K per year savings, 5% real return, and a 30 year career and the future value function returns $1.4 Million. That's a ...
by boroc7
Wed Apr 08, 2015 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 15670

Re: Can I stop being unemployed and retire?

I want to be here at age 59. I could care less if they call me retired or unemployed, this is my end goal.
by boroc7
Wed Apr 08, 2015 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I stop being unemployed and retire?
Replies: 14
Views: 2872

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

I was reading some reports on cost of living based on income vs housing costs, and they actually rated Los Angeles as the highest/worst, which is essentially to say that many people there get paid very little, when comparing to say SF and NyC.
by boroc7
Tue Apr 07, 2015 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10906

Re: plan and plan some more

Well, we have spent $10K in 3 years on our 1/13 th of an acre. It has been worth every dollar. Pay for a plan. Think about it and the have it revised. The plan should include order of execution. Decide what you can do and what needs to be done by pros. Lighting is important. We started with a 900 w...
by boroc7
Tue Apr 07, 2015 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landscaping budget and suggestions
Replies: 6
Views: 673

Landscaping budget and suggestions

I'm meeting with a landscape designer to fine tune some designs for landscaping work done on our 1/3 acre lot. We don't have a fancy home, but I do want to improve the grounds in ways that make it a more pleasant environment for the family, reduce some of the lawn space, create a small gardening spa...
by boroc7
Tue Apr 07, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landscaping budget and suggestions
Replies: 6
Views: 673

Re: When to give adult children their inheritance?

Our approach has been to gift some it now to help our adult children with the expenses of owning their first homes and paying for some our grandchildren's childcare expense. These "early" gifts can really help to reduce stress in young families - it helps them to enjoy their own children ...
by boroc7
Tue Apr 07, 2015 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 6391

Re: Cost of Rental Property Insurance in CA (too high?)

Considering the house came close to burning down about 10 years ago in a verdugo hills wildfire, maybe it is considered high risk--although I don't know how to determine that. Perhaps it's an underwriter thing, or is there some official designation?
by boroc7
Tue Apr 07, 2015 7:34 am
 
Forum: Personal Consumer Issues
Topic: Cost of Rental Property Insurance in CA (too high?)
Replies: 8
Views: 540

Cost of Rental Property Insurance in CA (too high?)

We have a rental property in CA in a great area, the hills north of Los Angeles. It's generating good rental income, and is a 50's ranch home mostly renovated with about 2100 sq/ft and a swimming pool. Maybe 1/4 acre lot. The value of the home is somewhere in the 700k ballpark. We just paid our insu...
by boroc7
Mon Apr 06, 2015 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Cost of Rental Property Insurance in CA (too high?)
Replies: 8
Views: 540

Re: 20 year term life, 500k each or 1m each

Read the wiki on life insurance. You need to provide more info.
by boroc7
Sun Apr 05, 2015 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: 20 year term life, 500k each or 1m each
Replies: 10
Views: 1448

Re: Why Vanguard Why?

Any time I mail something with personal information, I send it certified mail. return receipt requested. I will not fax anything with personal information. Isn't fax actually one of the securest ways to send data? To the OP, when I read your post, I actually thought you were going to get far more h...
by boroc7
Sun Apr 05, 2015 7:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 6799

Re: Landscape designers

Any tips for picking one? What do you usually get up front and what do you need to pay for? Anyone have tips on how to pick out a good designer? I'm looking for more of a landscape architect because we want to redo two walkways and add a patio. Go by their portfolio, and what resonates with you. Ge...
by boroc7
Sat Apr 04, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Landscape designers
Replies: 2
Views: 519

Re: Buy riding mower or hire service to cut grass?

I'm asking myself this question. I find nothing pleasurable about mowing the lawn, plus with allergies it ends up being sheer misery. I am looking to hire someone this year.

With the riding mower, do you have a place to store it? For some they need to buy a shed, extra money.
by boroc7
Sat Apr 04, 2015 7:35 am
 
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 3917

Re: MacBook Air or MacBook Pro

stev wrote:I am not really interested in light weight.

This makes it simple. The Pro with as much memory as you can afford.
by boroc7
Wed Apr 01, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 1842

Re: Will you buy an Apple Watch?

Investment forums appeal most to older people. Older people evaluating technology is funny. "I don't get it. Now get off my lawn!!!!" Perhaps we should have started this thread with a poll on how many respondents still get a newspaper delivered to their house, or go to the store for every...
by boroc7
Mon Mar 30, 2015 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 20894

Re: Hate where we live, do we make major changes?

OP, I'm posting this for you.

http://www.nytimes.com/video/opinion/10 ... slomo.html

Part of the reason is because I used to hang out here when I was young, and play volleyball on the beach. It was a hard knocked life. ;-)
by boroc7
Mon Mar 30, 2015 8:05 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12077

Re: Investment/Retirement advice

Sounds like we are in very similar places in life. Keep saving up. Get the maximum employer match in your employer retirement. Roth right now is particularly great because you are in a low tax bracket. I opened up my Roth at TDAmeritrade and have been happy with them. You have to sign up for it, but...
by boroc7
Sun Mar 29, 2015 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment/Retirement advice
Replies: 8
Views: 917

Re: Tree in the Yard

Isn't SF pretty strict on the removal of trees? I.e. Do you need approval from the city? I had some elms removed in front of my house because they were leaning over my child's room. Not too long later we had a serious storm that felled a bunch of trees here. Glad I did it. However, I did consult an ...
by boroc7
Sun Mar 29, 2015 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Tree in the Yard
Replies: 9
Views: 1288

Re: Hate where we live, do we make major changes?

I understand completely. I went from sunny beautiful mountain/coast, to flat cold depressing. I did it because I actually love the job and I have more time for children. But I can't stand having less sun, and after a few years I'm finding my health deteriorating because I'm indoors all the time and ...
by boroc7
Sun Mar 29, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12077

Re: Can I afford a $500,000 house?

Of course you can afford it (and probably more if you don't have a lavish lifestyle) imho. $400K 30-year-fixed-rate mortgage = $2,000/month + $1000 property taxes and insurance = $3,000/month from $15,000/month gross income? You are in like Flint. Just go buy it and make yourself happy. It's a tota...
by boroc7
Sat Mar 28, 2015 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 41
Views: 4919

Re: Paying for a house, paying off mortgage early

Provide more information if you want specific answers. There are lots of options. What is best, of course, depends on the details.
by boroc7
Sat Mar 28, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for a house, paying off mortgage early
Replies: 9
Views: 1297

Re: Gift Ideas for 80 Yr Old Grandmother w/ Dementia

How about an Apple Watch? You can send her digital signatures every time you think of her. She can set it to remind her to take her medicine, to call you etc. but that's assuming she has an iPhone. :?
by boroc7
Sat Mar 28, 2015 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Gift Ideas for 80 Yr Old Grandmother w/ Dementia
Replies: 23
Views: 1579

Re: How do you invest to give back?

Spending half my life in the USA has been a blessing but also harmful in some ways. I realized how selfish I had become. Recently my father was diagnosed with cancer and is currently spending his last days in a charitably funded hospice. Without this hospice, I don't know how we would have managed....
by boroc7
Sat Mar 28, 2015 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: How to invest to give back?
Replies: 30
Views: 1866

Re: Smartest Financial Move You Ever Made

Dumbest and smartest in the same move--putting some $20,000 of my school loans into AAPL back in 2004. :moneybag
by boroc7
Sat Mar 28, 2015 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 13559

Re: Buying a house to save on taxes?

Personally I would keep renting, and not buy with the idea of renting out later. You need to decide whether or not being a landlord is something you want, with all the stress. We have a tenant in a similar situation, doctor with high income and two little kids. They love the neighborhood and are gre...
by boroc7
Sat Mar 28, 2015 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house to save on taxes?
Replies: 18
Views: 1853

Re: Painting Cabinets and Trim

I think the op needs to consider this simply as a change in personal preference, not something that will change the value of the home like his designer friend seems to think.
by boroc7
Sat Mar 28, 2015 8:10 am
 
Forum: Personal Consumer Issues
Topic: Painting Cabinets and Trim
Replies: 27
Views: 2113

Re: Can I afford a $500,000 house?

You already like your house and location. Don't do it. Plus, 6 months in isn't all that long into a job. What about the idea of paying off your current mortgage sooner than later,isn't that enticing? Would you rather retire early or work later and have a better house?
by boroc7
Sat Mar 28, 2015 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 41
Views: 4919
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