Search found 194 matches

by Momus
Thu Sep 21, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 138
Views: 10420

Re: I won the Lottery. Need sound advice.

1. Pay off all debts including mortgage. It will give you cash flow of $9000/month net thru your combined income after your pay off your debts. 2. Fire your financial advisor, edward jones is one the highest fee brokerage out there. DIY boglehead only 3. Live below your means There is a lot your can...
by Momus
Wed Sep 20, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 306
Views: 15493

Re: Iphone X is $1000

Sorry iRipoff X is a mediocore device, not worth purchasing. I will go Galaxy Note 8 all the way if I am ready to drop serious money. - Higher resolution 520 ppi vs 458 ppi - Brighter display to fight against direct sunlight 1200 nits vs. 620 nits iRipoff - Samsung Pay (any pay terminal - not NFC bo...
by Momus
Tue Sep 12, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 306
Views: 15493

Re: Iphone X is $1000

Did anyone else find the upper portion of the iPhone X unappealing? If the upper left and right only display battery power and signal strength, that's alright, but it has the background image in there too! It was annoying to me the first second I saw an image of it... Yeah, that little blob at the ...
by Momus
Sun Sep 10, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 5976

Re: Luxury car: perception vs reality

Luxury car is stupid. After a month playing with the bells and whistles, all you think when you are driving is how you stuck in a traffic, buying the next grocery, feeding your dog, what to eat tonight, play with your kids, plan for next getaway vacation, and do your job tomorrow. A complete waste o...
by Momus
Wed Sep 06, 2017 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Questions about drawing up a prenuptial agreement in California
Replies: 16
Views: 1821

Re: Questions about drawing up a prenuptial agreement in California

If your future contribution to your 401k goes to a separate fund after you get married, does it protect you from dividing your previous fund (before marriage fund) in the event of the divorce? Example : - Year 2017- june 1 2018 (single) : all money in s&p 500 fund. - June 2 2018 (married) : all mone...
by Momus
Sun Sep 03, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 48
Views: 2947

Re: How to break into new field?

Software related fields. Do coding boot camp and learn more yourself. Pretty much guarantee if you get hired you will start at LEAST $50k+ minimum, upwards 150-200k if you are good at what you are doing.
by Momus
Mon Aug 21, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15803

Re: Jobs that pay over $100,000

http://transparentcalifornia.com/salaries/all/?&s=-base Please just look at these. 12 million jobs for you to pick thru. It comes with fat pension and likely unlimited OTs also. Government employees, so normally, you can chill, not do a lot, and make bank. Money money money!!! Hmm, when I had a CA ...
by Momus
Mon Aug 21, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15803

Re: Jobs that pay over $100,000

http://transparentcalifornia.com/salaries/all/?&s=-base

Please just look at these. 12 million jobs for you to pick thru. It comes with fat pension and likely unlimited OTs also. Government employees, so normally, you can chill, not do a lot, and make bank. Money money money!!!
by Momus
Sat Aug 12, 2017 3:55 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2326

Re: Laptop suggestions pls

Go to slickdeals.net Search for laptop deal Profit!!! Normally, you'd save about on average 20-40%+ of retail cost of the electronics by just using slickdeal. Oh, yea, don't buy Apple products they are overpriced, overyhyped piece of trash. Get any laptop with SSD, minimum 8GB RAM, dual core minimum...
by Momus
Fri Jul 28, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5811

Re: Vanguard Money Market vs. Savings Accounts

I would guess that "many" Bogleheads have their emergency funds in (high-yield) savings accounts. I like maintaining an account at a brick and mortar bank in case I need something that an online bank can't do--most recently a signature guarantee for Treasury Direct, and medallion before that. I've ...
by Momus
Thu Jul 27, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5811

Re: Vanguard Money Market vs. Savings Accounts

Plenty of high yield savings account around, to name a new: Ally bank, Capital one, Goldman Sach, CIT bank, discover, synchrony, Barclay's. All of them offer 1.1% and above.
by Momus
Thu Jul 27, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11668

Re: What's your personal savings rate?

Saving rate is 88% of my NET income right now, if I calculate based on gross income, it is obviously much lower. I spend $800-900/mo expenses in rent, food, utilities, recurring bills and every expense I can think of. I'm cheap, very cheap.
by Momus
Thu Jul 27, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7021

Re: Post Nuptial agreement guaranteeing alimony?

I also echo various sentiment here. If I were OP husband, I would think to seriously divorcing OP as my wife. I don't think it's worth marrying someone like this. If the situation reverses, I would not put my spouse the same situation and ask her to sign a post nup just because you have to sacrifice...
by Momus
Mon Jul 17, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2898

Re: Would you look for a general handyman for these home jobs?

I need a handyman too... Can they normally have the knowledge to fix garbage disposal? Switch on, but it doesn't turn on.
by Momus
Fri Apr 21, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 8214

Re: Removing a tree - expensive!!!

I got at least 10 quotes+ with stump removed and picked the 2nd lowest. The estimate range from 1500-450. Of course I went with the $500. The highest one trying to rip you off, the lowest one trying to cut corners. I can't even tell that there was a tree there before. Dont get rip off with tree comp...
by Momus
Thu Mar 23, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 95
Views: 5561

Re: How did you do your income taxes?

A friend of mine used Creditkarma. Free. Hasn't supported multiple states yet.

My self? Free TurboTax CD from a friend after he was done with his lol... Got my refund fed and state in exactly 7 & 8 days after e-filing.
by Momus
Sat Jan 21, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 28090

Re: How much is your cell phone bill?

+$80/yr making money with Cricket -35/mo plan. 2.5GB LTE and unlimited txt and call.
by Momus
Wed Oct 26, 2016 1:47 am
Forum: Personal Consumer Issues
Topic: Keeping Verizon Unlimited data Plan
Replies: 19
Views: 2398

Re: Keeping Verizon Unlimited data Plan

T-mobile unlimited data 40/mo each for 4 lines. You can't beat that if your area has decent tmo coverage. Use tethering/mobile Hotspot. Then, drop your Internet cable bill, and TV cable bill. Save thousands a year.
by Momus
Sat Oct 01, 2016 2:17 am
Forum: Personal Consumer Issues
Topic: Do you maintain your house ac, furnace, and water heater? Anything else?
Replies: 14
Views: 1941

Do you maintain your house ac, furnace, and water heater? Anything else?

I have a house that I bought 3 years ago. I haven't done any maintenence on any of the above? Should I hire a pro to check on them? AC, furnace, water heater? Anything else I have to worry about breaking apart? Is it advisable to call a pro to do this? How often should I call a pro over?
by Momus
Tue Sep 27, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 15204

Re: What kind of car do Bogleheads like to drive?

8 yo accords, will drive it until the the wheels fall off.
by Momus
Tue Sep 27, 2016 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cancelling Credit Card After Switch?
Replies: 10
Views: 1173

Re: Cancelling Credit Card After Switch?

Don't close it. Your credit age determine your credit score. Also if you close it, it will lower your credit limit, thus lowering your score as well. Put the card on auto buy 50 cents amazon gift card every month indefinitely. Throw the card in your safe. This way you will get a charge every month (...
by Momus
Tue Sep 27, 2016 2:28 am
Forum: Personal Consumer Issues
Topic: Tap Water filter for 2 adults? For drinking.
Replies: 10
Views: 1090

Tap Water filter for 2 adults? For drinking.

Anyone here can recommend a water filter for 2 adults household? Each person drinks around 2-3 liters a day. Something cost effective, enough to remove bad stuff (not even sure what that is). My tap water sometimes comes out brownish color... So I need a decent filter to make it suitable for drinkin...
by Momus
Tue Aug 30, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Best free net content (Like Youtube, not netflix or amazon)
Replies: 12
Views: 1729

Re: Best free net content (Like Youtube, not netflix or amazon)

Kodi... Ok, you did NOT see this word.
by Momus
Sat Jul 09, 2016 1:26 am
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 4129

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

My rotors are warped. I didn't know before. Have been driving for 5 years with warped rotors, thought it was weird shaking during braking. I just leave it alone -_-;?
by Momus
Thu May 12, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 277
Views: 46505

Re: Physician Retirement Savings

39 y/o, procedure oriented specialist. 8 years out of training Taxable and investment accounts 3.5 million, goal is 5 million and then start to work part time Save 85% of after tax income each month and invest in index funds. Live well below my means. Do all my own car repairs and home repairs whic...
by Momus
Tue May 03, 2016 11:44 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 6054

Re: Just called Directv and saved $600 for one year

I use Kodi. I pay 0 for all TV, movies, sports I want. Oh wait... I am not supposed to say that -_-;
by Momus
Sat Mar 05, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 5629

Re: Mac laptop vs. Windows 7 (or 10) laptop

I was once a Mac zealot. However over time I became tired of the limitations of the Mac ecosystem - lack of 3rd party software and inability to customize the hardware to my needs. Now I can't tolerate owning a Mac and haven't bought one for quite a while. Same here. Loved the late 2000's to early 2...
by Momus
Sat Mar 05, 2016 2:52 am
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 5629

Re: Mac laptop vs. Windows 7 (or 10) laptop

Use PC... save your money. Malware and popups are common, and nothing that a little googling can't fix. I have no trouble for the past 15 years using a PC that dawns Mac performance by significant margin. Mac higher price tag is simply NOT worth it. Mac is overpriced overrated product. Do NOT but th...
by Momus
Sun Feb 28, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 33697

Re: Don't understand nutrition and exercise

You don't need to... Weight loss is all about 90% diet not exercise. If you think your weight hasn't dropped the past week or two, you are eating too much. Simple as that. If u think you already cut down the calories, you have NOT cut enough... I choose to forfeit exercise sometimes because it takes...
by Momus
Sun Feb 28, 2016 5:45 am
Forum: Personal Finance (Not Investing)
Topic: 1099-DIVs Vanguard (mutual fund and brokerage account)
Replies: 9
Views: 940

1099-DIVs Vanguard (mutual fund and brokerage account)

I had mutual fund account and brokerage fund account. All these times Vanguard sent 2 1099-DIV separately for mutual fund and brokerage account. They are not the same and they don't report the same $$ amount The problem is Vanguard named the brokerage PDF document as "consolidated 1099 tax stat...
by Momus
Sun Feb 21, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 2158

Re: Which one is better? Pension vs. 401k?

I'm sure you can do the math of one vs the other of course and I don't know if job #2 has even better career/income prospects down the line (I'm just using the numbers you provided, but different career trajectory prospects might change the equation). Questions about the pension: 1) Is there a mini...
by Momus
Sun Feb 21, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 2158

Re: Which one is better? Pension vs. 401k?

Job # 2 sound like a better monetary deal. My back of the envelope estimate is Job # 1 at retirement would pay a pension in the low to mid 40k's per year at 65. You might want to check what an immediate annuity lump sum would be required to pay 40k per year to see what the value of that pension mig...
by Momus
Sun Feb 21, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 2158

Re: Which one is better? Pension vs. 401k?

Both seem good - which would you rather work at? which offers you a better work-life balance etc. Do you prefer a steady income stream or to take your chances with the market? How secure is the first company? Do you think you'll ever want to retire early? Job 2 provides more flexibility I imagine. ...
by Momus
Sun Feb 21, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 2158

Which one is better? Pension vs. 401k?

31 years old, planning to retire 65. #1 Current job with pension (7 years into) Base salary $133,120 Pension benefit $78.50/mo each year worked for the first 10 years, $104.60/mo each year there after. So, 78.5 X 7 years = 549.5/month 401k up to $1000 matching - always contribute 18k a year No bonus...
by Momus
Sat Apr 25, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmacy School Loan Advice
Replies: 17
Views: 2903

Re: Pharmacy School Loan Advice

I'm also a pharmacist 30 yo. Don't go to pharmacy school. Your daughther is going to regret it. Job market is getting worse each year. There are more better career options out there with better outlook and still pulls in 120k/yr just like pharmacy. Avoid this profession like a plague.
by Momus
Sat Dec 27, 2014 10:03 pm
Forum: Investing - Theory, News & General
Topic: Equal Weighted Funds - Better?
Replies: 31
Views: 3753

Equal Weighted Funds - Better?

Is this really better than a regular cap weighted index fund? Should I switch over and dump my Vanguards?

http://www.marketwatch.com/story/ignore-john-bogle-and-dump-your-sp-500-index-fund-2014-12-10?page=2
by Momus
Sat Dec 27, 2014 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 12339

Re: Best Online Savings bank

Ally Bank.
by Momus
Sat Nov 22, 2014 5:20 pm
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 23644

Re: Side jobs or hobbies that make you money

Momus wrote:
imgritz wrote:
Momus wrote:Become an Uber driver ~$20k/year part time.

Interesting. Does Uber supply the car and insurance?


Nope


More info... http://www.quora.com/How-much-money-doe ... e-for-Uber
by Momus
Fri Nov 21, 2014 7:56 pm
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 23644

Re: Side jobs or hobbies that make you money

imgritz wrote:
Momus wrote:Become an Uber driver ~$20k/year part time.

Interesting. Does Uber supply the car and insurance?


Nope
by Momus
Fri Nov 21, 2014 3:09 pm
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 23644

Re: Side jobs or hobbies that make you money

Become an Uber driver ~$20k/year part time.
by Momus
Fri Nov 21, 2014 2:56 am
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 4123

Re: smartphone over wifi - still possible?

Switch to Cricket (AT&T TOWERS). Cricket will be the best bang for the buck, great coverage (AT&T towers), $200 free money if you switch now ($25 referral credit, $100 switcher credit, $75 free smartphone phone - 4.7 inch, 1.2 Ghz Quad Core HTC Desire 510 4G LTE - this is a decent phone simi...
by Momus
Fri Nov 07, 2014 3:40 pm
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 51
Views: 9979

Great camera to take pics?

I hate how smartphone does not take great pics in low light. I am thinking of getting a Sony DSC-RX100M III. $800. It's too darn expensive for a point and shoot camera. Any alternative? I am looking at all around great camera but it looks like it's going to be a bulky camera, and like they said you ...
by Momus
Fri Nov 07, 2014 3:18 pm
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 13704

Re: Smartphone questions

I preordered Oneplus one. It's one of the best phone made in 2014 for off contract phone cheap $350, cost 1/2 the price of other flagship phones but the same specs as Galaxy S5, LG G3, HTC one M8. There are newer phones with a little better specs but it costs double than Oneplus one (not worth the u...
by Momus
Sat Sep 06, 2014 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended Mortgage Lenders
Replies: 11
Views: 2155

Re: Recommended Mortgage Lenders

m I used this, and picked the lowest rate with the lowest fee I see on the website a year ago January 2013. I got 3.125% 30 years fixed with $1000 credit at closing out of state bank, I couldn't be happier. There are plenty of reviews so you know it's legit. I think I got a deal. It searches a lot o...
by Momus
Thu May 29, 2014 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 16054

Re: Pre-nup at only $1M networth, do I need it?

To the OP: [who lives in California - added by respondent] The laws are not made in your favor, and the family court system is the last place you want to be deciding who gets what. I don't know what you know about the laws of California. Now perhaps you think your responsibility to your children en...
by Momus
Mon May 26, 2014 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 16054

Re: Pre-nup at only $1M networth, do I need it?

Mazel tov on your good fortune and great planning/saving! I say yes to the pre-nup even though I am still married for 26+ years to the same wonderful woman and we did not have a pre-nup. Of course we didn't have any money either so.... Here is another scenario you might consider. I am not sure if t...
by Momus
Sun May 25, 2014 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 16054

Pre-nup at only $1M networth, do I need it?

I am going to be 30 years old this year. I have a net worth around $1M (real estate equity, stocks, bonds, ROTH IRA, 401k). I am thinking of marrying a girl who has an income around $60-120k/year, depending if she works fulltime/partime. She has 0 assets and around 250k student loan debt. Do you thi...
by Momus
Thu May 15, 2014 1:06 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey recommends index fund
Replies: 26
Views: 4689

Re: Dave Ramsey recommends index fund

I like Dave too but on his podcast yesterday he did the 12% thing again over 40 yrs maxing a roth vs traditional to illustrate the benefits of the roth but referred to accumulating $9.6 million over the 40 yrs. Where does he get this stuff? It's much easier to entice someone and let them hear what ...
by Momus
Thu May 15, 2014 12:58 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Value
Replies: 16
Views: 2539

Re: International Small Cap Value

I use VSS since I don't have access to DFA... better than nothing even though it's not pure value fund.
by Momus
Sat May 10, 2014 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1996

Re: Cash Advance on a credit card

I guess there is a reason why I never use it in the first place. I thought there were fees doing it so I never do it. All the posts above confirmed it.

I'd go to the bank and just withdraw the money then. Thanks for the input!