Search found 20 matches

by sox2017
Thu Jul 27, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10715

Re: Is Amazon Prime worth it?

We signed up for Prime for the first time about 6 months ago. I had been ordering from Amazon for years prior to this. So far I haven't been overly impressed with Prime. Some other observations - - We don't buy a ton of "stuff". Essentials (pantry items, paper towels, toothpaste, etc.) at Amazon are...
by sox2017
Thu Jul 27, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 26
Views: 2724

Re: Crowdfunding real estate?

Anybody have any good, or bad, reports from investing in crowdfunding recently? I am very interested in them but trying to do some due dil. After a decent amount of due diligence, I decided not to pursue these investments. Although intriguing, there were a few reasons why I decided against this, 1)...
by sox2017
Tue Mar 28, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Picture / video / file backup
Replies: 44
Views: 1873

Re: Picture / video / file backup

I'm curious as to what about the backup is lacking about Gdrive and Amazon, say, compared to Crashplan? The primary way that a full backup solution differs from services like these is the ability to go back to multiple points in time in order to restore your files or even complete system state (aut...
by sox2017
Tue Mar 28, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Picture / video / file backup
Replies: 44
Views: 1873

Re: Picture / video / file backup

I use Amazon. We have a Prime account so I can upload an unlimited amount of photo files. I've looked at Amazon. Do you just choose the folder to backup and it automatically backs up in the background? Or do you have to go in manually to every photo file to back up? Also, is the editing both ways? ...
by sox2017
Tue Mar 28, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Picture / video / file backup
Replies: 44
Views: 1873

Picture / video / file backup

I'm looking for advice on how people backup their pictures / files from their home computer. In the past, I've typically just copied the files from the hard drive to a zip drive. However, over the years this has become more difficult as the number of files has increased and modifications to old file...
by sox2017
Sat Mar 18, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 9354

Re: Citi card Nightmare

Not completely related but I cancelled two Citi cards last month after having them for 14 years. I missed one payment (literally the 1st time in the 14 years I had the card). I called and they wouldn't waive the late fee. Bye bye...too many other options if they can't waive one fee. I won't bank wit...
by sox2017
Sat Mar 18, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 884676

Re: What Movie Have You Recently Watched?

Just watched the OJ Simpson documentary on ESPN....excellent
by sox2017
Sat Mar 18, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: Risks of MLPs
Replies: 26
Views: 2417

Re: Risks of MLPs

I remember reading awhile back that many of these issue additional debt just to cover the dividend. Not sure if that was just when oil sold off last year or a consistent process. Obviously an issue if/when rates start to rise.
by sox2017
Sat Mar 18, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 26
Views: 2724

Re: Crowdfunding real estate?

The white coat investor dabbled in a few and writes about his experience here. He's hinted at an update shortly. This is from May 2016. m I have 10K in peer street. Im less than a year in and a few on my investments are suppose to be coming due in a few months. Initially I switched on auto investin...
by sox2017
Sat Mar 18, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 26
Views: 2724

Re: Crowdfunding real estate?

The white coat investor dabbled in a few and writes about his experience here. He's hinted at an update shortly. This is from May 2016. m I have 10K in peer street. Im less than a year in and a few on my investments are suppose to be coming due in a few months. Initially I switched on auto investin...
by sox2017
Sat Mar 18, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 26
Views: 2724

Re: Crowdfunding real estate?

Honestly I understand your point in terms of cash flows. Because yes, it is all about the cash flows. I like real estate. Personally I would rather allocate a material portion to both U.S. and International REITs. That's what I go back and forth on as well. I already have between 5 -10% allocated t...
by sox2017
Sat Mar 18, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 26
Views: 2724

Re: Crowdfunding real estate?

jebmke wrote:Small amounts wouldn't move the needle on your total return. So why bother?


Could significantly bump up cash flow though.

On a $1M portfolio, let's say you allocate 15% to these. This is an extra $9000 in annual cash flow vs. standard funds (8% - 2% x $150k).
by sox2017
Sat Mar 18, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 26
Views: 2724

Crowdfunding real estate?

I know it's not exactly Bogle-like, but does anyone have any experience with any of the crowdfunding real estate sites (such as Realtyshares, Peerstreet, etc.)? Some of the pros and cons I can think of off the top of my head, but wanted to see someone's real experience - Pros: - Diversification from...
by sox2017
Thu Mar 16, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 27563

Re: Early Retirement - what to do about healthcare?

Thanks for the replies.....not an easy topic to factor into LT planning. Things will probably look drastically different in 5 or 10 years from now, so in my situation, the best advice is probably similar to other personal finance advice.....save more, spend less, invest for the LT
by sox2017
Wed Mar 15, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 27563

Re: Early Retirement - what to do about healthcare?

bligh wrote:My current plan, if I do end up retiring early, is to be living in a country with affordable healthcare. :)


Not a bad idea, any countries in the Caribbean with affordable plans? :D
by sox2017
Wed Mar 15, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 27563

Re: Early Retirement - what to do about healthcare?

The blogger at Root of Good is an Early Retiree who discusses his family's healthcare costs in great detail. Here is a recent post: m Basically, they control their income to be just over the poverty line for maximum ACA subsidies so they pay very little. No asset considerations on those subsidies?
by sox2017
Wed Mar 15, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 27563

Re: Early Retirement - what to do about healthcare?

> it's very difficult to accurately predict future health care expenses I would go further and say that it is impossible to predict, especially in the individual market over a multi-decade time frame. Health care is a far bigger concern for early retirees than sequence of return risk. Now at regula...
by sox2017
Wed Mar 15, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 27563

Re: Early Retirement - what to do about healthcare?

Looking for some thoughts from those who have retired early. We're currently in our late 30s and have saved approximately $2M+. We're young and live in a HCOL location. We're not looking to retire anytime soon, but have definitely started playing with the numbers to see what "my number" w...
by sox2017
Wed Mar 15, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 27563

Early Retirement - what to do about healthcare?

Looking for some thoughts from those who have retired early. We're currently in our late 30s and have saved approximately $2M+. We're young and live in a HCOL location. We're not looking to retire anytime soon, but have definitely started playing with the numbers to see what "my number" wo...