Search found 129 matches

by blurryvision
Tue Mar 20, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 19181

Re: Is it time to dump high yield savings for prime money market?

I just moved some money over to CIT Bank, the money market rate is now 1.75%.
by blurryvision
Fri Jan 05, 2018 11:32 pm
Forum: Investing - Theory, News & General
Topic: 3% CD available in the Los Angeles area
Replies: 5
Views: 1585

Re: 3% CD available in the Los Angeles area

3.00% APY* 4-year term $10,000 minimum deposit $500,000 maximum deposit Available 1/1/2018 *APY = Annual Percentage Yield. Dividend rate and APY shown as of January 1, 2018. WPCCU reserves the right to end or modify this offer without notice. Penalty for early withdrawal may apply. Share certificate...
by blurryvision
Sun Dec 31, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo Target Retirement 2030 [fund drop due to distribution question]
Replies: 9
Views: 611

Re: Wells Fargo Target Retirement 2030 [fund drop due to distribution question]

My jaw dropped when I saw a huge single day plummet in my account value. I logged into my account, expecting my balance to hit an all time high. My first thought was that I got hacked! :shock:
by blurryvision
Sun Dec 31, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo Target Retirement 2030 [fund drop due to distribution question]
Replies: 9
Views: 611

Re: Wells Fargo Target Retirement 2030 [fund drop due to distribution question]

Here's the fund: MMIZX. Maybe I worded it incorrectly, the fund had an 18% drop in one day, and dividends were 4.48 according to this page: https://seekingalpha.com/symbol/MMIZX/key-data/dividends-and-splits Similar thing happened to my S&P 500 fund in my 401K. A few weeks ago, my fund dropped over ...
by blurryvision
Sun Dec 31, 2017 4:39 am
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo Target Retirement 2030 [fund drop due to distribution question]
Replies: 9
Views: 611

Re: Wells Fargo Target Retirement 2030 [fund drop due to distribution question]

Similar thing happened to my S&P 500 fund in my 401K. A few weeks ago, my fund dropped over 18% in one day, while the S&P ended on a high note. This caused my portfolio to experience over 30K in paper losses. I was shocked too. After doing a google search I was reassured that the fund dividends woul...
by blurryvision
Tue Dec 26, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 55848

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

So I have the option of prepaying my property tax for our own home as well as for our rental property.

If we can only pay for one in 2017, is it more tax advantageous to prepay our home property tax or the property tax for our rental property?

Thank you!
by blurryvision
Tue Sep 05, 2017 6:36 pm
Forum: Investing - Theory, News & General
Topic: REIT versus Rental properties
Replies: 15
Views: 2572

Re: REIT versus Rental properties

Nate79 wrote:
Tue Sep 05, 2017 5:29 pm
There are some sad posts across the internet forums by people who had rentals in Houston that are now regretting it.....
Yikes.
by blurryvision
Tue Sep 05, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40987

Re: Name something you had to have and now you regret purchasing it?

I regret buying a >$7,000 Rolex and a >$6,000 Panerai luxury watches. I don't feel safe wearing them everywhere in public. And they really don't provide any significant joy.

Most of the time, these watches sit inside the safe.
by blurryvision
Tue Jul 11, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: 100k milestone
Replies: 49
Views: 6865

Re: 100k milestone

Do you have kids? Having kids can slow down the path to early retirement. We have a 2 year old and another one on the way. So things are definitely up in the air. I do want to switch to part time work as soon as possible so I can spend more time at home. My wife also is looking into shifting some o...
by blurryvision
Tue Jul 11, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: 100k milestone
Replies: 49
Views: 6865

Re: 100k milestone

We hit 100K in index fund investments at age 33 and 30. 3 years later, index fund investments are worth 300K at ages 36 and 33. We just hit the 2 comma club (1 million) net worth this year thanks to 2 real estate properties. What really helped was finding a frugal spouse who got on board with saving...
by blurryvision
Tue Jun 20, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 4914

Re: Liability with dogs, hypothetical

OP: Are there local laws that prohibit your dog being off leash in front of your home? Does your dog often run around on your property off leash?
by blurryvision
Mon May 22, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: To auto loan or not to auto loan?
Replies: 23
Views: 2161

Re: To auto loan or not to auto loan?

Pay cash and don't bother with monthly payments.
by blurryvision
Tue May 02, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: I'm kinda sorta in the 2-comma club
Replies: 23
Views: 4375

Re: I'm kinda sorta in the 2-comma club

Congrats!! We hope to join you soon. We've been around 950K for the last few months, give or take 10K up and down. So close but I can't wait until we hit the 2-comma club as well!
by blurryvision
Tue Apr 25, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 8024

Re: Is my electric bill high?

Yes your bill is high, I think it's your pool pump. We also live in Socal (Orange County) in a 2500sqft 2 story home. 2 of us and a baby. Our electric bill runs about $40 to $50 a month in the non-summer months and in the summers can be as high as $80 to $100 if we use our air conditioning. Our A/C...
by blurryvision
Tue Apr 18, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 8024

Re: Is my electric bill high?

Yes your bill is high, I think it's your pool pump. We also live in Socal (Orange County) in a 2500sqft 2 story home. 2 of us and a baby. Our electric bill runs about $40 to $50 a month in the non-summer months and in the summers can be as high as $80 to $100 if we use our air conditioning. Our A/C ...
by blurryvision
Wed Apr 12, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 3109

Re: Week in San Diego - What to do?

The Birch Aquarium is a fun little aquarium for the kids to check out: https://aquarium.ucsd.edu/
by blurryvision
Sun Mar 12, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 2329

Re: Debate with friends on market timing, annuity, etc, thoughts?

I don't bother arguing investment advice with family or friends. And I certainly never give our unsolicited investment advice.

If people want to hear my advice on how they should invest, I briefly tell them the Bogleheads philosophy and then send them here.
by blurryvision
Sun Mar 12, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: 401K allocation
Replies: 21
Views: 1843

Re: 401K allocation

94% American Funds 2030 Target Date Retirement R6 RFETX .41% 3% Vanguard 500 Index Adml VFIAX .05% 3% Vanguard Wellesley Income Adml VWIAX .16% According to the above, only 3% is in Wellesley, yet you qualified for Admiral shares? This fund has a $50,000 minimum investment. Simple math tells me tha...
by blurryvision
Sat Mar 04, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 6764

Re: Windfall: should we pay cash for ~$1.3M home?

What industry are you guys in? Do you have to stay in this HCOL area? I would agree with what others have said that it's time to consider moving elsewhere. Since you don't have children yet, you guys have flexibility. Early retirement and switching to part time work sounds great. Spend all that extr...
by blurryvision
Wed Mar 01, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance on a diamond engagement ring
Replies: 27
Views: 2907

Re: Insurance on a diamond engagement ring

Check out Jeweler's Mutual for insuring the ring.

www.jewelersmutual.com/
by blurryvision
Wed Feb 22, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: What are they trying to sell me here?
Replies: 27
Views: 3555

Re: What are they trying to sell me here?

Thank you all for the insightful responses. I figured something was fishy and the wording does make it sound like some type of whole life policy. No thanks. I'm going to continue to stay the course. Nisiprius's comment is making me feel like I should just avoid the event all together. Glad I can tru...
by blurryvision
Wed Feb 22, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: What are they trying to sell me here?
Replies: 27
Views: 3555

Re: What are they trying to sell me here?

Thank you for the comments so far. I feel pretty good about my finances, do have everything in order: term insurance, disability insurance, index fund investments mostly in VTSAX (total stock market) and VTIAX (total international market) with a little bit in VHCIX (Vanguard Health Care Index). I'm ...
by blurryvision
Wed Feb 22, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: What are they trying to sell me here?
Replies: 27
Views: 3555

What are they trying to sell me here?

My company 401K broker is taking out our medical group to a private event ($$$$ place followed by sports event) to discuss some new benefits being offered. 1. "Strategic long term care policy designed as a hybrid benefit of lifetime long term care benefits and guaranteed tax-free death benefit in ex...
by blurryvision
Sun Jan 01, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 15972

Re: I'll never save a 20% down payment. Rent for life?

One thing no one seems to talk about is the increasing costs of long term home expenses. Sure, your mortgage payment will stay the same. Everything else goes up in costs: - Property tax will likely increase every year - Homeowner's insurance will likely increase every year - HOA fees will go up ever...
by blurryvision
Tue Dec 20, 2016 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Amex preferred rewards gold card bonus
Replies: 12
Views: 2248

Re: Amex preferred rewards gold card bonus

Redeeming points for cash is not a 1:1 ratio. It is 0.5 cents per 1 point. 50,000 Membership Rewards points would only be a $250 cash statement credit value. If you want to redeem for cash equivalents you can do something like Staples gift cards at 1 point = 1 cent. Or Amazon gift card at 1 point = ...
by blurryvision
Thu Jul 21, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 37
Views: 3129

Re: Expensive car maintenance or allocate to next car fund?

My car has 125,000 miles on it and I had planned to drive it until at least 150,000 miles, if not more. I’m faced with a car repair/maintenance bill of ~$2,000, which I can afford, but I am wondering if instead I should skip most of the repairs and add the $2,000 to the next car fund. Original cost...
by blurryvision
Wed Jul 20, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 27098

Re: Evicting a tenant-Hire lawyer?

Wow what an entertaining story. Keep us updated OP!

By the way, what city is your unit located in?
by blurryvision
Sat Jun 25, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: High Credit Card Debt- Need Help
Replies: 107
Views: 10153

Re: High Credit Card Debt- Need Help

Just to be clear, my husband and I have always kept finances separate. I know it's different and not everyone's way of doing things, but it was our way, with our assigned responsibilities, and this worked perfectly for us for many years. I think everyone's relationship is different, and this has al...
by blurryvision
Sun May 01, 2016 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 141
Views: 18433

Re: Renting vs owning

I rent, my SO and I pay $1100/month for an apartment which includes the following. Rent Electric Water Heat WIFI Maintenance Taxes Lawncare Snow Removal The area in which we live (Long Island, NY) median home price is ~$350,000 with median taxes of ~$12,000/yr. I would LOVE for someone to convince ...
by blurryvision
Tue Apr 05, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 5621

Re: Vanguard Website Down?

App / website allowed me to log in but could not make any transactions. Ugh
by blurryvision
Tue Apr 05, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 5621

Re: Vanguard Website Down?

Same here. Tried on my app and browser, no luck.

I'm trying to buy some more VTIAX! :annoyed
by blurryvision
Sun Apr 03, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: I hate monthly payments...
Replies: 25
Views: 4826

Re: I hate monthly payments...

I agree with the OP! I also hate monthly payments. Paid for both cars with cash Pay my car insurance once every 6 months Pay my Netflix account once a year Pay homeowners insurance once a year Pay property taxes once a year Pay my umbrella insurance once a year I know I can't avoid all monthly payme...
by blurryvision
Mon Mar 14, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 42
Views: 9271

Re: Mint...working less, and less, and less

Still using Mint and no problems with my accounts.
by blurryvision
Mon Feb 15, 2016 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect credit card categories
Replies: 7
Views: 1459

Re: Incorrect credit card categories

Try this merchant coding search tool from Visa: https://www.visa.com/supplierlocator/search/index.jsp

I try to maximize points whenever possible but most of the time I just let it slide when my purchase doesn't categorize correctly. It's too much of a hassle to worry about a few missing points.
by blurryvision
Fri Feb 12, 2016 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance?
Replies: 7
Views: 1365

Re: Should I refinance?

I've refinanced two times, both to lower the interest rate and also to lower the term. Both times I used CashCall Mortgage I started off with a 30 year fixed rate of 4.375% in 2010. I refinanced down to a 20 year fixed rate of 3.5% in 2012. I started by speaking with a rep on the phone who asked me ...
by blurryvision
Tue Feb 02, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1004251

Re: What Movie Have You Recently Watched?

Just watched "The Best Offer" on Netflix the other night.

http://www.imdb.com/title/tt1924396/

Great cast and very intriguing plot. Starring Geoffrey Rush as an eccentric auctioneer.
by blurryvision
Mon Feb 01, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Buy a bigger vehicle to grow into?
Replies: 28
Views: 3222

Re: Buy a bigger vehicle to grow into?

I agree with surfstar; technology is only going to get better (and cheaper) as time passes. I'd wait. Pregnancy may not always happen according to the plans of the parents. When your kids have friends they want to hang out with, they'll be around 3+ years old, you won't need a large SUV right now. A...
by blurryvision
Mon Jan 25, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 12068

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

OP, after you get married, will you and your wife be handling your finances together? Or will you each handle your finances separately? Will you both work to fund your retirement together - or is each one of you on your own? Just a thought, if you are going to be joining your finances together and i...
by blurryvision
Mon Jan 25, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with truecar.com or similar ?
Replies: 26
Views: 3560

Re: Anyone have experience with truecar.com or similar ?

For our last car purchase, we used Truecar, Costco Auto program, and tried negotiating ourselves. In the end, Costco Auto program provided the best price for us. We are not good negotiators and these companies allowed us to get a no haggle final price on the car we wanted. It didn't help that the ex...
by blurryvision
Mon Jan 18, 2016 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to help out a family friend with her inheritance
Replies: 8
Views: 1440

Re: Trying to help out a family friend with her inheritance

Thank you all for your help. I directed her to this site as well as the wiki. I hope she can learn from this site and learn to help herself.
by blurryvision
Mon Jan 18, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 12
Views: 4169

Re: Edward Jones

I left EJ ~4 years ago and never looked back. I think they charged me a $40 "account closing" fee. :x

I should have questioned things when my advisor asked me if I wanted to pay for the fees "up front" or "over time" (loads).
by blurryvision
Sat Jan 16, 2016 11:50 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 16371

Re: It sure looks like a good time to invest in oil

I thought it was a good time to invest in oil at <$50/barrel. I'm glad I didn't do anything.
by blurryvision
Sat Jan 16, 2016 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Trying to help out a family friend with her inheritance
Replies: 8
Views: 1440

Re: Trying to help out a family friend with her inheritance

Thank you for the comments so far. It makes me so mad to hear about this "financial advisor" who is taking advantage of a very emotional time for my friend. I've heard that Primerica is nothing more than a MLM (multi level marketing) finance company. I wonder if her advisor believes in the products ...
by blurryvision
Fri Jan 15, 2016 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to help out a family friend with her inheritance
Replies: 8
Views: 1440

Trying to help out a family friend with her inheritance

A family friend of mine recently lost her father due to cancer. My friend and her brother inherited a mid 6-figure life insurance payout from Primerica. My friend is 26 years old and knows very little about investing aside from putting money into her 401K over the last 2 years. She puts 3% of her pa...
by blurryvision
Tue Jan 12, 2016 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: How do I start budgeting?
Replies: 28
Views: 3207

Re: How do I start budgeting?

Sounds like you may not need a budget for now. What I suggest is you start by keeping track of where your spending is going. This will help you see if there are any categories where you're spending too much (eating out, alcohol, bills, etc). This will also give you an idea how much money your expens...
by blurryvision
Wed Jan 06, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: How is Costco's gas so cheap? (15% cheaper in my area)
Replies: 59
Views: 10502

Re: How is Costco's gas so cheap? (15% cheaper in my area)

Costco gas may be cheap, but every time I am near my local Costco, the lines to get gas are insane. There are cars piled up waiting. I waited once and got too frustrated by how long it took. I suppose if you have a chance to get gas in the morning or around lunch, the lines might be shorter. While t...
by blurryvision
Wed Jan 06, 2016 11:10 am
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 13571

Re: How do you organize your finances? Do you use Mint.com?

I use Mint to track day to day spending and to check for fraudulent credit card activity.

I use Clearcheckbook.com to manually balance my checking / savings / cash.
by blurryvision
Mon Jan 04, 2016 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Dumping Chase Private Client
Replies: 10
Views: 3464

Re: Dumping Chase Private Client

You get a free safe deposit box (3" x 5") with a Chase Premier Checking account also. You only need a minimum 15K balance. We have an account for the safe deposit box feature. Also you get other benefits like free checks, money orders, and cashier's checks. We were offered to have our account upgrad...