Search found 113 matches

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: 1765

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: 16
Views: 615

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: 5090

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: 2020

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: 2799

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: 2799

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: 2799

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 ...
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: 13143

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: 1370

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: 2566

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: 23354

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: 8651

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: 16822

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: 3673

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: 3673

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: 4350

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: 8170

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: 1221

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: 1171

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: 2541
Views: 651749

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: 2397

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: 11052

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: 2806

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: 1179

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: 2946

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: 14763

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: 1179

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...
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: 1179

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: 2794

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: 8084

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: 11126

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: 2677

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 acco...
by blurryvision
Thu Dec 31, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum amount to TLH?
Replies: 1
Views: 241

Minimum amount to TLH?

I have a small investment in Vanguard Total International Stock Index (VGTSX) in my taxable account with a small short term loss of $8.03 and a long term loss of $345.46. Is it worth it to exchange these funds for Vanguard FTSE All-World ex-US Index (VFWIX)? Is there a minimum amount of loss that yo...
by blurryvision
Sat Dec 26, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Duplicating Total International Stock Index fund (VTIAX)
Replies: 6
Views: 772

Re: Duplicating Total International Stock Index fund (VTIAX)

This was exactly what I was looking for. I will set up the following percentages:

80% VTMGX – Vanguard Developed Markets Idx Admiral
20% VEMAX – Vanguard Emerging Mkts Stock Idx Adm

Thank you all very much!
by blurryvision
Sat Dec 26, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Duplicating Total International Stock Index fund (VTIAX)
Replies: 6
Views: 772

Duplicating Total International Stock Index fund (VTIAX)

We are trying to duplicate / mimic a total international stock index fund (VTIAX) in my wife’s new 401K. Emergency Fund: 6 months in high interest savings account Debt: 357K house mortgage, 211K mortgage on rental property Married Filing Jointly Tax Rate: 25% California 35 years old, wife is 32 year...
by blurryvision
Fri Dec 25, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 10712

Re: Writing checks - a Bogleheads thing to do?

I don't often write checks, but when I do, I write checks from my Discover Cashback Checking account, which earns 10 cents every time a check clears. :dollar
by blurryvision
Sat Dec 19, 2015 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who max out their 401k & Roth...
Replies: 30
Views: 3697

Re: For those of you who max out their 401k & Roth...

We put it into our taxable account keeping investments in line with our AA. Put a little bit into a 529 also.
by blurryvision
Fri Oct 30, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Leasing a Lexus
Replies: 12
Views: 2059

Re: Leasing a Lexus

I would ask this question over at www.clublexus.com. They have an RX specific forum. Btw you may already know this, but the 2016 model is a complete redesign.
by blurryvision
Wed Oct 28, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: whole life pitched as way to pay for kids college
Replies: 67
Views: 8582

Re: whole life pitched as way to pay for kids college

I've heard this sales pitch before.

But does anyone know of a single person / family who has successfully used whole life insurance to pay for their kid's college?
by blurryvision
Fri Oct 23, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 7919

Re: Bicycle commuting

If your wife would have been in a car accident and developed issues, would you also give up driving? Granted riding is something 5x more dangerous per mile than being in a car but you also have accept that bad stuff happens and not let fear rule your life. That being said I pretty paranoid about wh...
by blurryvision
Mon Oct 19, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 7919

Re: Bicycle commuting

For a while, me and my wife both biked to our offices (6 miles each way for me, and 5 miles each way for my wife). Since there are a lot of hills in our area, we biked around 2 to 3 days a week. During this time, we got plenty of exercise and felt really healthy. It would take my wife 20 minutes to ...
by blurryvision
Sun Oct 11, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 126
Views: 13634

Re: What do you guys do on the side?

I tried doing our own yard work for a while. But it was too much of a hassle for me. Returned the yard equipment and found someone to maintain our yard for $15 a week. It's a splurge I'm willing to spend on.
by blurryvision
Fri Oct 09, 2015 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 126
Views: 13634

Re: What do you guys do on the side?

We have one rental property and looking to pick up another. I teach a few hours a month at the local university. This doesn't make that much money, but I enjoy teaching and working with students. I sell on eBay. Hard to be profitable since eBay takes a 10% cut of your final auction and shipping fees...
by blurryvision
Fri Apr 24, 2015 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 10731

Re: Marriage and splitting expenses

We treat all of our income as one paycheck. It just makes it much easier for us to manage. I suppose couples with a similar money mindset will want to share all income and expenses. Marriage requires teamwork and through working together we can more easily accomplish our financial goals. We both sha...
by blurryvision
Tue Apr 21, 2015 1:48 pm
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 34
Views: 4505

Re: Dealing with tourists taking photos. Etiquette question

No one has mentioned this yet, but we try to visit places in off-peak season only. The travel experience is just much more enjoyable when there aren't any crowds or lines. Overcrowding and waiting really can ruin the experience.
by blurryvision
Mon Apr 06, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: anyone have experience with water softeners?
Replies: 41
Views: 3823

Re: anyone have experience with water softeners?

Keep the replies coming. Me and my wife are also looking into a whole house water softener system for our home in the OC. I'm surprised by the range of price quotes.

For those that installed yourself, was it difficult?
by blurryvision
Wed Mar 18, 2015 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K investment selection
Replies: 4
Views: 645

Re: Help with 401K investment selection

Thank you so much for your help! The change has been made.
by blurryvision
Wed Mar 18, 2015 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K investment selection
Replies: 4
Views: 645

Re: Help with 401K investment selection

The S&P 500 seems like a good option, and definitely one I was considering. The expense ratio is the lowest of all the funds also. I'll check with my friend but I still think she would like to pick some type of Mid and Small Cap fund from her 401K, for simplicity. Looking more at the information...

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