Search found 78 matches

by macheta
Sat Dec 02, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8708

Re: Amount You Need To Save Annually Over Lifespan

I'm not sure I need two million or four million. My biggest concern is the inflated cost of medical. I am budgeting $21,108 per year in tomorrows inflated view for medical or $6500 in todays view . This estimate takes into consideration estimate of Medicare Parts A, B, and D, a Medigap policy, and a...
by macheta
Sat Dec 02, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5111

Re: How do I convince my employees to invest more?

I would maybe recommend sending out an informative email about the retirement plan. I would recommend trying to keep it short and concise.
by macheta
Sun Nov 26, 2017 11:52 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9258

Re: What did you do right?

1) started investing eight percent of my income when I was eighteen with matching contributions from the Corp. (20 yrs ago)
2) started reading and learning on this forum in 2012
by macheta
Wed Nov 01, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 308
Views: 22248

Re: To take or not to take delivery of Tesla 3

The Tesla 3 is a very impressive vehicle and company. Recently, I turned down a position at the Tesla plant because the cost of living was too high in the area. I would buy another vehicle which had a proven reliability and service If I had sixty thousand dollar budget . There are a lot of people ta...
by macheta
Sun Oct 22, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 2886

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

Most likely a stressful confrontation would occur if she ignored the email or responded with no. I would just let the insurance deal with the problem.
by macheta
Fri Oct 20, 2017 1:52 am
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 2841

Re: Pant Recommendations (Business Casual)

i always spend a lot of time trying on clothes before buying them. Just because I know my size doesn't mean the clothes will fit and be comfortable.
by macheta
Sun Sep 17, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4511

Re: Buying nightguards (teeth grinding)

I use the five dollar ones in the sporting good stores. I usually cut around the top since I don't need the gum guard so high up. I boil them for thirty seconds after cutting the guard down. Finally, I fit the boiled guard into my mouth. Every couple of months I forget it somewhere and my dogs destr...
by macheta
Tue Sep 12, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11195

Re: The 10 year car ownership "rule"

I've had my scion for six years and I have about sixty thousand miles so far. I would like the get at least 200k before I buy a new vehicle. Lately , I have been putting money into the vehicle to make it look better. For example, I had someone come out and clean and polish the rims. I'm going to get...
by macheta
Sun Sep 03, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Hardwood floors warping?
Replies: 19
Views: 1909

Re: Hardwood floors warping?

We had a leak in the roof caused our engineering wood flooring to warp. The oak was peeling off the underwood. I peeled the warping wet oak wood off and straightened the wood while it dried. I straightened it by clamping the wood between two flat pieces of wood. After it dried I reapplied the straig...
by macheta
Sun Aug 13, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4008

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: 49
Views: 5244

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: 37
Views: 4008

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: 2542

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: 1318

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: 2023

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: 1788

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: 2760

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: 1283

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: 5490

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: 6493

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: 625

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: 625

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: 12135

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: 309

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: 2608

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: 4216

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: 2943

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: 1018

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: 5307

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: 2835

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: 14069

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: 3138

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: 3138

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: 3138

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: 3138

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: 1584

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: 42278

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: 559

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: 1475

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: 1475

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: 1475

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: 1475

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: 1475

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: 1475

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: 6448

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: 974

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: 1617
Views: 289517

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: 4451

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: 2588

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...