Search found 69 matches

by macheta
Sun Aug 13, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 35
Views: 2903

Re: Cheapest way to upgrade iPhones ?

Cricket has new iPhone 6 32gb for $299. I think the 6s is a better phone. 7 dropped the headphone jack which is interesting. Swappa.com is a place I monitor. 229 for the SE or 299 for the 6.The virgin mobile is a better deal though by about a three hundred bucks if you compare prices including the ...
by macheta
Sun Aug 13, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 40
Views: 3914

Re: PayPal - Any Disadvantages?

I just updated my paypal account to make it more secure. I activated the following: "Set up a PayPal Security Key by entering a one-time pin that’s unique for each login. This gives you a second authentication factor whenever you log in to your account. That’s fancy talk for a super secure account!"...
by macheta
Sun Aug 13, 2017 2:25 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 35
Views: 2903

Re: Cheapest way to upgrade iPhones ?

Cricket has new iPhone 6 32gb for $299. I think the 6s is a better phone. 7 dropped the headphone jack which is interesting. Swappa.com is a place I monitor. 229 for the SE or 299 for the 6.The virgin mobile is a better deal though by about a three hundred bucks if you compare prices including the ...
by macheta
Sun Aug 13, 2017 2:15 am
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2097

Re: For those switching to Chrome from Firefox

I have been using Chrome since it started. The browser now uses too much resources and causes a lot of problems similar to Internet Explorer. I actually am starting to use FireFox now since I like the VPN feature.
by macheta
Mon Jun 12, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Employer is not contributing to 401k — better to just contribute to my own IRA and Roth?
Replies: 21
Views: 1108

Re: Employer is not contributing to 401k — better to just contribute to my own IRA and Roth?

I would still try to figure out the administrative fees. This is one of the most important parts to making a decision about investing. Assuming the 401k has low fees, it can also protect your savings from being taken away from a lawsuit. Another major plus is that the funds are taken out directly fr...
by macheta
Sun Jun 04, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 1716

Re: New laptop needed, any ideas?

I would not buy any laptop which does not have an SSD drive instead of the traditional hard drive. The post with the link to the amazon website is showing a nice laptop but it has a mechanical hard drive. These hard drives will slow down your system.
by macheta
Sun Mar 19, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1537

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I use both Google Drive and One Drive both are free for the storage. additional layer of security I use minilock on the items needed to be secured prior to upload.
by macheta
Mon Mar 13, 2017 9:30 pm
Forum: Investing - Theory, News & General
Topic: How Many Contribute To A Retirement Fund But Never Invest
Replies: 21
Views: 2609

Re: How Many Contribute To A Retirement Fund But Never Invest

I did this from 2003-2007, my first job out of college. My employer didn't offer a 401k option that I could contribute to, and so my parents advised me to make deductible contributions to a Trad IRA. So I did, and contributed like $4k per year over this time to a Fidelity Traditional IRA. I didn't ...
by macheta
Tue Mar 07, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Old 401K
Replies: 15
Views: 1143

Re: What to do with Old 401K

What are the funds and expense ratios in the old and current employer?
by macheta
Sat Feb 18, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 34
Views: 4548

Re: Missing my Microsoft Money - any equivalents?

i've always used mint. recently I started getting nervious with giving out my passwords so I stopped using it for my investement accounts. I might try manually loading MS Money and see how I like it.
by macheta
Mon Jan 30, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - Let the Buyer Beware
Replies: 26
Views: 6314

Re: Suze Orman - Let the Buyer Beware

Suze Ormon is good for beginners who want an entertainment and celebrity path to get into personal finance. But once you have matured into Bogleheads philosophy, she's pretty useless. I use to listen to her growing up and I think I learned a little bit from her show. My favorite was probably her sh...
by macheta
Sat Jan 14, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Needs
Replies: 3
Views: 599

Re: Retirement Needs

When I added inflation (2.5%) and increase medical costs (5.5%) it moved my savings required from 690k to 2.5m.
by macheta
Sat Jan 14, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Needs
Replies: 3
Views: 599

Retirement Needs

I had a question about this formula about estimating future needs. I did this and it seemed really low.I redid the formula using 2.5% compound to income needs based on inflation and 5.5% to medical. For example, if I retire in 25 years I estimated Medical Expenses would be moved up from 13k to 49k b...
by macheta
Tue Dec 06, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 11334

Re: Owning a Chromebook

I like the minilock encryption app. i use it between the chrome and windows OS computers.
by macheta
Tue Dec 06, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Feedback
Replies: 0
Views: 299

Requesting Feedback

Hello: I am looking for feedback on my plan for retirement. I originally posted back in October of 2015. I’ve made some changes since my previous post. My questions are listed below. I would appreciate any feedback. Previous Year Posting: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=1759...
by macheta
Mon Sep 19, 2016 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Age 32
Replies: 18
Views: 2520

Re: Pension Lump Sum - Age 32

I would take the money and put it into a traditional.
by macheta
Sun Sep 04, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Google Word Processing and Spreadsheet
Replies: 29
Views: 4012

Re: Google Word Processing and Spreadsheet

I keep general stuff on the Google cloud which uses the Google apps. Anything specific about my personal stuff I keep on my computer and use the MSFT apps.
by macheta
Wed Aug 31, 2016 11:51 pm
Forum: Personal Consumer Issues
Topic: Drowned IPhone
Replies: 28
Views: 2836

Re: Drowned IPhone

It just depends If damage was done to the circuitry. Never hurts to try. It worked for me on an android phone.
by macheta
Sun Aug 14, 2016 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth vs. Roth 401(k)
Replies: 8
Views: 932

Re: Backdoor Roth vs. Roth 401(k)

I think its really personal preference. From my perspective, I like to have a balance between the two. Take into account the note from the IRA website below into your decision. m "This limitation is by individual, rather than by plan. You can split your annual elective deferrals between designa...
by macheta
Tue May 31, 2016 11:39 pm
Forum: Personal Consumer Issues
Topic: Kitchen remodel suggestions
Replies: 45
Views: 5135

Re: Kitchen remodel suggestions

I like getting ideas on Pinterest.com. And also Recommend looking on eBay or Craigslist for deals. I got my cabinets from someone selling them during a remodel project at a mansion for next to nothing. I just resurfaced them before install. Paying a little extra to get the job done right I think is ...
by macheta
Sat May 14, 2016 3:10 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2016 annual report
Replies: 21
Views: 2715

Re: Bogleheads® Wiki 2016 annual report

Learning and growing using this website has been a very good highlight of my life. Thanks to all the stakeholders!
by macheta
Sun May 01, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 91
Views: 13759

Re: WOW fantastic Cars in the Wild

Did you leave a boglehead ad under the windshield wiper?
by macheta
Tue Dec 15, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 3069

Re: Retire at 55

Garland - nice post. thank you!
by macheta
Tue Dec 15, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 3069

Re: Retire at 55

Keystone - How would you withdrawal a Roth IRA contribution free of penalty prior to 59.5?

keystone wrote:I plan to retire at 49 and will use my taxable account to fund my expenses from 49 to 59.5.

Besides that, one can withdraw Roth IRA contributions free of penalty or they could withdraw per IRS 72(t).
by macheta
Tue Dec 15, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 3069

Re: Retire at 55

Thanks... You guys answered my question! Applies towards 401k only: Separation from Service the employee separates from service during or after the year the employee reaches age 55 (age 50 for public safety employees of a state, or political subdivision of a state, in a governmental defined benefit ...
by macheta
Tue Dec 15, 2015 12:17 pm
Forum: Investing - Theory, News & General
Topic: Retire at 55 [Which funds to use between 55 and 59.5?]
Replies: 18
Views: 3069

Retire at 55 [Which funds to use between 55 and 59.5?]

Hi - I was interested in retiring at 55. Where should I place the funds which will be needed between 55 and 59.5? It looks like roth and 401k are subject to penalty if taken out before 59.5.

Thanks!
by macheta
Tue Dec 08, 2015 9:06 pm
Forum: Investing - Theory, News & General
Topic: 10 year price return. USA 69% vs global ex USA 1%
Replies: 10
Views: 1551

Re: 10 year price return. USA 69% vs global ex USA 1%

You better ask serri before doing anything drastic.
by macheta
Sun Dec 06, 2015 4:31 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 41211

Re: The Bogleheads' Silent Majority

i rarely post but constantly read on this website. I find it interesting reading about other peoples situation and what course of action they plan to take.
by macheta
Sat Nov 21, 2015 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Expense Ratio Calculation
Replies: 3
Views: 536

Re: 401k Expense Ratio Calculation

yes, your calculation was correct.
by macheta
Wed Oct 21, 2015 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Plan Questions
Replies: 12
Views: 1372

Re: Personal Investment Plan Questions

Duckie - Thank you for the advise. A couple of your questions I need to research more on. You got me going in the right direction and a go forward plan on the funds. Everything you said made a lot of sense. I appreciate your feedback! His 401k Before tax - 100k Roth 401k - 10k After tax - 20k (No lo...
by macheta
Mon Oct 19, 2015 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Plan Questions
Replies: 12
Views: 1372

Re: Personal Investment Plan Questions

When I was allocating assets I kept in mind the asset allocation fund had duplication. The details of the asset allocation was figured into the overall 401k allocation. The asset allocation for target fund is broken out using the following formula: U.S. Large/Mid Cap Equity 48.8% U.S. Small Cap Equi...
by macheta
Mon Oct 19, 2015 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Plan Questions
Replies: 12
Views: 1372

Re: Personal Investment Plan Questions

If you are not doing so already I would take another look at my budget/spending if I was you and be really aggressive paying off that debt. if your income puts you in the 25% tax bracket you should be able to drive that debt down pretty quickly. Unless I missed something. The strategy of paying off...
by macheta
Sun Oct 18, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Plan Questions
Replies: 12
Views: 1372

Re: Personal Investment Plan Questions

In regards to the AA... I broke it out into more detail below and apologize if I miss understood the question. Regarding the high 100ks, its current at about 191k. His Allocation (Private funds - no stock ticker) Janus Capital and Northern Trust Russell 1000 Value Fund; US Large Cap; Balance Allocat...
by macheta
Sun Oct 18, 2015 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Plan Questions
Replies: 12
Views: 1372

Re: Personal Investment Plan Questions

1) Change W-4 withholding, together with temporary draw on e-fund to eliminate SL this year? What do you mean by this? 2) Ouch - based on the S&P 500 index, eh? What sort of participation rate, caps, fees, etc.? Or don't bother answering that - instead, is there any surrender charge if you withd...
by macheta
Sun Oct 18, 2015 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Plan Questions
Replies: 12
Views: 1372

Personal Investment Plan Questions

Hi - I had a couple questions regarding my personal investment plan. I would greatly appreciate any feedback. Emergency funds: six months Total debt: $144,515.46 (Including credit card debt, car loan, and Hospital bills) Credit Card: $1200 House: $120K @ 3.99% with about 28 years remaining Her Car L...
by macheta
Sat Aug 08, 2015 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: 35 yrs old: How am I doing?
Replies: 27
Views: 6340

Re: 35 yrs old: How am I doing?

Making 300k per year at 35 is kind of risky. I would maybe look at a new career that will enable you to save more. Good luck
by macheta
Wed Jul 08, 2015 12:18 am
Forum: Personal Finance (Not Investing)
Topic: pension vs 401a
Replies: 3
Views: 863

Re: pension vs 401a

i have both which my company and i have been contributing almost equally over the lifespan. when i retire i am expected to have a 401k pay about 6 times higher than the pension.
by macheta
Fri Jul 03, 2015 9:46 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1403
Views: 250951

Re: What are you up YTD? [Year To Date]

9.6%=

2.45% Investment gain
7.15% Contributions


The account needs to hit five percent investment return this year to hit the planned target. There is a good chance of hitting this mark.
by macheta
Fri Jul 03, 2015 9:31 pm
Forum: Investing - Theory, News & General
Topic: How did you start?
Replies: 35
Views: 4305

Re: How did you start?

Interesting how important investing has been for so many people. The power of compounding interest!
by macheta
Sat Jun 27, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Condo HOA not allowing wood flooring due to noise concern... Is this a sign of shoddy construction?
Replies: 9
Views: 2196

Re: Condo HOA not allowing wood flooring due to noise concern... Is this a sign of shoddy construction?

I currently live in a condo on the second floor which only allows carpet in the main areas. Beneath the carpet includes concrete floor. Below the concrete is a wood truss. and below that is drywall. I have hard time believing the neighbors below would hear a lot if I had hard flooring. With that sai...
by macheta
Sat Jun 27, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 14475

Re: Frugal Millionaires Article...Sounds Like Bogleheads

This was a very good post. Thanks You know, I would like to believe all the hype about "the millionaire next door", and how a working stiff just needs to work, save diligently, and invest wisely to become affluent. But playing devil's advocate, I wonder how many of those millionaires got w...
by macheta
Sun Jun 14, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Annuity - Does it become part of inheritance?
Replies: 38
Views: 3774

Re: Variable Annuity - Does it become part of inheritance?

How will the remaining payments be divided if the owner of the annuity dies in the payout period? Will the beneficiary receive the life guarantee if they picked the life payout? Will the remaining period left on the limited type be handed over? There are two kinds of lifetime payouts with such annui...
by macheta
Sat Jun 13, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Annuity - Does it become part of inheritance?
Replies: 38
Views: 3774

Re: Variable Annuity - Does it become part of inheritance?

My wife has National Life Group annuity. In terms and conditions it states the following: The beneficiary on the issue date of this policy is named in the application. The primary beneficiary will receive any death benefit payable under this policy. A contingent beneficiary may be named to receive t...
by macheta
Sat Jun 13, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: identity theft continued
Replies: 11
Views: 1984

Re: identity theft continued

My criminal justice class in college had statistics which indicated many types of thefts are performed by family members. I'm not saying it was in this instance and just pointing this out to highlight you have to look at all different possibilities as you try to figure this out. (On a side note, I h...
by macheta
Sun May 31, 2015 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Net worth of 85k at age 21
Replies: 13
Views: 2719

Re: Net worth of 85k at age 21

Who wouldn't be cocky that started investing heavily in 2011 or 2012 timeframe? I would say he got in at the right time.
by macheta
Sat May 30, 2015 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Net worth of 85k at age 21
Replies: 13
Views: 2719

Re: Net worth of 85k at age 21

Looks like you are off on a nice footing. I starting investing like you did @ 18 with a 16% rate (Although I doubt i was close to 85K at the same age due to 9/11). 18 years later it feels good to have taken that first step so early. Purchasing a house provides a lot of incentives when making a rent ...
by macheta
Sat May 30, 2015 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Direction
Replies: 10
Views: 1547

Re: Investment Direction

1) Start a Roth IRA $6,000. (Each year) 2) Up the level to the 457, there is no match. 3) Pay the mortgage down with the $100,000. I would invest 6K each year in an IRA and invest the remaining outside of an IRA. The 100k could net 7k yearly based on a 7% return which would double your savings in t...
by macheta
Sun May 24, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 7738

Re: Sun City Arizona = Retirement help.

I have lived in Arizona my entire life in all different areas of the valley. The problem with Sun City is that it’s far away from a lot of stuff. However, they have a lot activities within the community. My ideal place to retire would be somewhere in Central Phoenix and close to the light rail syste...
by macheta
Mon Apr 27, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Pre Tax, Roth 401k or After tax 401K??? HELP!
Replies: 14
Views: 1624

Re: 401K Pre Tax, Roth 401k or After tax 401K??? HELP!

DSInvestor - My current plan includes replacing my income 1 for 1 with the 401k pretax income . So my marginal tax rate should not change much from my current situation. I think that I need to adjust my strategy by leaning towards the roth so that I can balance my income to stay below the 25% rate. ...