Search found 366 matches

by bogleblitz
Wed Nov 16, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 50
Views: 9723

Re: Building new house - central vacuum worth it?

I just bought a house which has it. I never even heard of it before.
The previous owner of 10 years never used it.

I don't even know how to use it or what I need to buy or how to turn it on.
by bogleblitz
Sun Oct 30, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Coding Escrow on Mint.com
Replies: 3
Views: 419

Re: Coding Escrow on Mint.com

AirTimeMD wrote:But don't you add the property as an asset with an appraised value that would capture the value for net worth?


Yes, you can do that too.

For me personally, I never added my property as an asset in Mint. For personal and privacy reason, I didn't want Mint to know my real networth.
by bogleblitz
Sat Oct 29, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Coding Escrow on Mint.com
Replies: 3
Views: 419

Re: Coding Escrow on Mint.com

I recently bought a house so I went through something similar on Mint. I also set the downpayment to 'transfer'. The $10,000 and the $100,000 20% downpayment should be set to 'transfer'. Then in mint, I create a new cash account and add $10,000 to this new cash account. So the networth at the end sh...
by bogleblitz
Sat Oct 22, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 10929

Re: How many have moved from California due to Cost of Living?

I just moved to Los Angeles last year from Boston. so I'm the opposite. Boston and LA has very similar cost of living and similar salaries. Silicon valley is a total different story where houses are 2 times LA/Boston. as for cost of living, I would never move to a place due to cost of living. Friend...
by bogleblitz
Mon Oct 17, 2016 12:43 am
Forum: Personal Finance (Not Investing)
Topic: How do you analyze your spending? (Where is my money going?)
Replies: 69
Views: 5723

Re: How do you analyze your spending? (Where is my money going?)

I use Mint and it is free. works great for me.
by bogleblitz
Mon Oct 17, 2016 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Laid off at 40 - What to do?
Replies: 42
Views: 6601

Re: Laid off at 40 - What to do?

Unemployment is at the lowest right now. Might be hard to believe for someone who is laid off. So it should be easy to find a job.
I recommend go back to work, build a higher nest egg. Once you are out of engineering for 2 years, it would be very difficult to get back in.
by bogleblitz
Sun Sep 18, 2016 11:43 pm
Forum: Personal Consumer Issues
Topic: How to find a rental property in a new city before moving?
Replies: 22
Views: 1958

Re: How to find a rental property in a new city before moving?

Here is what I did for another State. I'm a family with a 4 year old. I moved first, rented hotels and found a place within 1 week. I try not to be picky. spouse stayed with kid and continue living at old place. Once we found a new place. Have shipping company shipped everything to new house. Then s...
by bogleblitz
Tue Sep 13, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12306

Re: Who is ready for iphone 7?

The $650 is probably only for a loaded 6s+. My 128GB 6+ gets $250. A triumph of marketing over performance (you expected more from Verizon??). you will get $650 for your 128gb 6+. You first have to try to order an iphone 7 before you try to trade in. Otherwise the trade-in will only get $250. So tr...
by bogleblitz
Mon Sep 12, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12306

Re: Who is ready for iphone 7?

Buying with a contract is like a boglehead with a 1% advisor. This deal is not a contract like 4 years ago. At&t, sprint, verizon and Tmobile has all gotten rid of contracts. I like to repeat that getting a Free iphone 7 is a huge deal and very good for frugal bogleheads. If you currently have ...
by bogleblitz
Mon Sep 12, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12306

Re: Who is ready for iphone 7?

I am thinking about doing this - but isn't the iPhone 8 supposed to be a HUGE upgrade? So then if that is what I really want (tech nut here so yes, I want that), I would need to pay off 50% of the iPhone 7 in september 2017 and then also purchase an iPhone 8 (assuming it's upgrades are so HUUGE, th...
by bogleblitz
Mon Sep 12, 2016 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6862

Re: Is anyone else feeling courageous enough to buy today?

today is a great day to buy. I bought alot 2 weeks ago, and the market has already gone down about 1% from 2 weeks go.

if you are scared. buy half today, and buy half 2 weeks later.
by bogleblitz
Sun Sep 11, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12306

Re: Who is ready for iphone 7?

I wasn't going to upgrade to the iPhone 7 but since T mobile is essentially offering me $650 for my old iPhone 6+ to trade in, I cannot turn it down. 8-) This is huge and very good boglehead deal. I think everyone in this forum who currently owns a iphone 6 should jump on this deal and upgrade to i...
by bogleblitz
Sat Sep 10, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: new iPhone contract structure
Replies: 8
Views: 1197

Re: new iPhone contract structure

The deal you are talking about is back. You can get a new free iphone 7 with trade in of an iphone 6. I got 2 free iphone 7 at verizon today. https://www.verizonwireless.com/ All carriers Tmobile, At&t, sprint have the same deal. let me know which carrier you are currently using. I'm not seeing...
by bogleblitz
Sat Sep 10, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12306

Re: Who is ready for iphone 7?

I wasn't going to upgrade to the iPhone 7 but since T mobile is essentially offering me $650 for my old iPhone 6+ to trade in, I cannot turn it down. 8-) This is huge and very good boglehead deal. I think everyone in this forum who currently owns a iphone 6 should jump on this deal and upgrade to i...
by bogleblitz
Sat Sep 10, 2016 12:11 am
Forum: Personal Finance (Not Investing)
Topic: new iPhone contract structure
Replies: 8
Views: 1197

Re: new iPhone contract structure

The deal you are talking about is back. You can get a new free iphone 7 with trade in of an iphone 6.

I got 2 free iphone 7 at verizon today. https://www.verizonwireless.com/

All carriers Tmobile, At&t, sprint have the same deal. let me know which carrier you are currently using.
by bogleblitz
Thu Sep 01, 2016 12:33 am
Forum: Investing - Theory, News & General
Topic: Wish there was a non-Tech S&P 500
Replies: 26
Views: 2695

Re: Wish there was a non-Tech S&P 500

Jason Zweig from wsj talked about it this month.

http://blogs.wsj.com/moneybeat/2016/08/ ... ake-sense/
by bogleblitz
Fri Aug 26, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12306

Re: Who is ready for iphone 7?

I'll get one. but I don't see much new features in iphone 7.

My biggest jump was the iphone 6 plus which has the bigger screen.
by bogleblitz
Mon Aug 15, 2016 12:29 am
Forum: Personal Consumer Issues
Topic: Upfront charge when shipping a vehicle
Replies: 4
Views: 545

Re: Upfront charge when shipping a vehicle

I only paid $100 deposit and pay the rest when picked up.

Although if you pay by credit card, you can have the credit card company void/chargeback if there are issues. Check reviews and BBB ratings on the car delivery company.
by bogleblitz
Fri Jun 24, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation for Software Engineer in Boston w/ 10 years experience? Should i switch jobs?
Replies: 18
Views: 2765

Re: Compensation for Software Engineer in Boston w/ 10 years experience? Should i switch jobs?

I live in boston and in software. You are at the top salary range. You can ask for 150k base but not every company will have 10% bonus and RSU on top of that. You may get 10% more total package and go up to 175k total comp. To really earn more, you have to look into management and become a software ...
by bogleblitz
Tue Jun 21, 2016 2:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 4413

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

Yes you should keep investing at Vanguard 2055.

You should probably ignore the Rate of return. You are still young and still building equity. A low rate of return is good for you now which means you are buying low and selling high in the year 2055.
by bogleblitz
Sat May 28, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Brita filter -- OEM or generic?
Replies: 4
Views: 658

Re: Brita filter -- OEM or generic?

I have bought the cheaper generic Brita filters from Ralphs supermarket. They taste the same for me. I see no difference. I will buy the generic ones again.
by bogleblitz
Sat Feb 06, 2016 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Can we harvest anything out of this whole life before we lapse it.
Replies: 3
Views: 550

Re: Can we harvest anything out of this whole life before we lapse it.

1. Can we take a loan of $3,500 from the policy (the cash value), and let it lapse? What will be our consequences? especially how will it affect our credit score/history? Our fear is, if we default this policy, it'll be hard to take any loans for a long time. Concerned about mortgage loan, that's t...
by bogleblitz
Tue Feb 02, 2016 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Newbie, stuck in life insurance policy.
Replies: 18
Views: 1579

Re: Newbie, stuck in life insurance policy.

If you quit the insurance right now, you will lose everything in the insurance. You will lose $310 x 18 = $5580. I would quit and run. Let the $5580 be a lesson learn to never buy life insurance as an investment vehicle. If you don't quit, you might end up losing even more money when you quit 5 year...
by bogleblitz
Tue Jan 19, 2016 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 42
Views: 7831

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

Works fine here. No issues.
by bogleblitz
Tue Jan 05, 2016 5:29 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 10246

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

I use it. Yes, it is awesome. Yes it is safe to hook up all your accounts.

One good use is I can see exactly how much I make and spend in 2015.
by bogleblitz
Mon Dec 21, 2015 2:46 am
Forum: Personal Consumer Issues
Topic: Macys.com security breach?
Replies: 10
Views: 2710

Re: Macys.com security breach?

macy's credit card works fine for me. No emails.

I do have to say the new or old Macy's credit card website is the worst. Very hard to login (login to macy.com then go to citibankonline), hard to navigate, very buggy, you get 2 different cards (1 for macy, 1 for non macy).
by bogleblitz
Tue Nov 24, 2015 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: On the question of purchasing versus renting
Replies: 29
Views: 2466

Re: On the question of purchasing versus renting

I recommend using Google and search for online rent vs buy instead of your own.

I used Zillow and trulia rent vs buy which was helpful.
by bogleblitz
Tue Nov 10, 2015 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Help with trying to replicate total US allocation in 401k
Replies: 3
Views: 296

Help with trying to replicate total US allocation in 401k

In my friend's 401k, the index options are: Vanguard 500 Index Admiral Vanguard Mid Cap Index Adm Vanguard Small Cap Index Adm So what percentage of each would replicate the total market similar to Vanguard Total market index VTSAX? My guess would be 72% Vanguard 500 Index Admiral 14% Vanguard Mid C...
by bogleblitz
Fri Sep 25, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: Live close to work AND in a good school district?
Replies: 57
Views: 3730

Re: Live close to work AND in a good school district?

Here are a few examples from ppl I know:

Live in Lexington, Massachusetts or Bedford, Massachusetts. Great schools. Plenty of great jobs in Lexington, Burlington, and Bedford.

Live in San Marino, California or Arcadia, California. Great schools. Work in Pasadena, California.
by bogleblitz
Thu Sep 24, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 401k annualized return tips
Replies: 2
Views: 369

Fidelity 401k annualized return tips

I was checking out http://www.401k.com Fidelity 401k website from my iPhone and notice the mobile version of the 401k website gives you annualized 1yr , 3yr , 5yr , and since initial purchase return of your entire 401k portfolio. This is great. I always wanted to my annualized return for my past 10 ...
by bogleblitz
Sun Sep 06, 2015 2:14 am
Forum: Personal Consumer Issues
Topic: Should I change to artificial grass (in SoCal)?
Replies: 43
Views: 3795

Re: Should I change to artificial grass (in SoCal)?

Also check with the city. Some cities in SoCal do not allow fake grass.

For example, Glendale does not allow fake grass.
by bogleblitz
Sat Aug 15, 2015 11:02 pm
Forum: Personal Consumer Issues
Topic: Selling a car registered in NJ to MD
Replies: 4
Views: 930

Re: Selling a car registered in NJ to MD

Drive to the DMV office together, make sure it is a weekday. Once you arrive at the DMV office, you can remove the license plate there. Being at the DMV office with a new owner will help the new owner incase there are problems with the title. Be prepared to spend 1-4 hours at the DMV office. The new...
by bogleblitz
Sat Aug 08, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13879

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

This is great news for boglehead fans. The end of 2 year contracts from verizon will mean that all other providers At&t, t-mobile, sprint will also end 2 year contracts and subsidies eventually. Tmobile has already done this 2 years ago. The analogy is Bogleheads (majority) like to buy a car in ...
by bogleblitz
Sat Aug 08, 2015 12:22 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13879

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

This is good news about no more phone subsidies. Just like T-mobile. At&t is already half way there.

The bad news is Verizon obviously still has the most expensive plans.
by bogleblitz
Fri Jul 31, 2015 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 51
Views: 7791

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

I received similar letter about 12k regarding my employee stock options a few years ago.

I sent a letter with all the supporting documentation. IRS removed all the fees and fines so it is all good in the end.
by bogleblitz
Thu Jun 04, 2015 2:24 am
Forum: Personal Finance (Not Investing)
Topic: "free" identity theft protection deal
Replies: 15
Views: 1896

Re: "free" identity theft protection deal

I also got free 1 year "Protect MyID" from target. It worked ok. When I signed up for a new credit card, "Protect MyID" emails me.

my 1 year has expired and I think I'm no longer a member. It automatically cancels.
by bogleblitz
Mon May 18, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit a large check long distance?
Replies: 30
Views: 3275

Re: How to deposit a large check long distance?

I would open a local bank where you live.
It is always better to have a local bank when you need it.

It is ok to have 3+ bank accounts anyways.
by bogleblitz
Sun May 17, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Checking
Replies: 23
Views: 3537

Re: Capital One 360 Checking

Had ING and then bought by capitalone360. No issues. I never used customer service. I like that their atm card can be used at alot of locations.
by bogleblitz
Fri May 15, 2015 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 8661

Re: Am I a Millionaire???

Yes , you are.

But your retirement accounts (401k and IRA) has not been taxed yet. I personally calculate the value after tax, so take 25% off of that 500k. This way I can compare my retirement savings vs my taxable investments.
by bogleblitz
Tue Apr 28, 2015 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Sell my condo or rent it out?
Replies: 26
Views: 3226

Re: Sell my condo or rent it out?

I was in a similar situation in 2009. I wasn't able to sell it for the price I want so I rented it for 2 years. Renting out turns out to be a great option for me. 1. 2 years rental income was great. 2. The condo went up those 2 years. Your mileage may vary 3. Need to sell it within 3 years to claim ...
by bogleblitz
Sun Feb 15, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Have 20k to invest.. trying to time it.
Replies: 7
Views: 1307

Re: Have 20k to invest.. trying to time it.

What happens if you wait 2 weeks and it went up 5%? would you still put the money in?

based on the last 12 months, going up a few percentage in the next 2 weeks is possible.
by bogleblitz
Sat Jan 31, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Why would I want to contribute to Trad. IRA over Roth?
Replies: 6
Views: 709

Re: Why would I want to contribute to Trad. IRA over Roth?

Roth is always better than a Non deductible traditional IRA. So once you go over $96,000, Roth is better than non deductible traditional IRA.

http://www.bogleheads.org/wiki/Non-dedu ... tional_IRA
by bogleblitz
Sat Jan 31, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 5214

Re: Filed your 2014 Federal Taxes yet?

still waiting on Vanguard brokerage which is mid Febuary.
by bogleblitz
Fri Jan 30, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Silly question.. can I write a check to myself?
Replies: 6
Views: 4027

Re: Silly question.. can I write a check to myself?

Yes you can. I even take a picture of the check and deposit the checks online.


Please note that there will be two $30 bounce check fee if there are insufficient funds :D
by bogleblitz
Fri Jan 30, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2961

Re: iphone upgrade dilemma

As others already mentioned, buy from Costco. It is cheaper, tax free depending on state, and free car charger and car holder. Next plan is cheaper if you get the 10gb or higher plan. Next plan gives you a $25 discount. Next plan is more expensive if you get less than 10gb. You are probably on a leg...
by bogleblitz
Thu Jan 15, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: T-Mobile to Launch New 'Simply Prepaid' Plans
Replies: 4
Views: 1218

Re: T-Mobile to Launch New 'Simply Prepaid' Plans

$40 is too expensive.

Most bogleheads would like a $10-$20 plan.
by bogleblitz
Tue Jan 13, 2015 11:32 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 19160

Re: What was your costliest investment mistake?

Buying Direxion Daily Financial Bear 3X Shares (FAZ) and Direxion Daily Financial Bull 3X Shares (FAS) then keeping these stocks for long periods like few weeks/months. These stocks should only be held less than 1 day. otherwise you lose all your money. also lost about 90% on a few other individual ...
by bogleblitz
Wed Jan 07, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: Bilingual households
Replies: 39
Views: 6186

Re: Bilingual households

I taught my kid multiple language the same as my parents taught me. For english, everyone will learn that at school. So at home, there will be no english on TV and no english music. Everything we watch at home is the native language, this way the child will never forget the native language. We only ...

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