Search found 21 matches

by youngin87
Fri Jul 20, 2018 4:09 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 3997

Re: Have you ever purchased a pricy musical instrument?

Kawai Rx-2 piano $16000 including tax and bench

I spent 9 months looking at pianos before settling on this one.
by youngin87
Mon Jun 04, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Gifting Long-Term Stocks to Family
Replies: 3
Views: 326

Gifting Long-Term Stocks to Family

I have two nephews who are in college and don't work. I want to help them with part of their tuition and room. If I gift each of them $10,000 long term stocks, is it true that they don't have to pay any LTC gains since they are in 15% tax bracket?
by youngin87
Fri Feb 16, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2975

Re: USAA 41% More For Car Insurance

I'm an active duty officer and have had USAA for 6 years. I have checking, 2.5% unlimited cashback card, car insurance, home insurance, and mortgage with them. I shopped my car insurance out of curiosity and I believe GEICO was 15% cheaper. I thought about it long and hard but in the end kept USAA. ...
by youngin87
Tue Jan 30, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: What if Your Play Money Blows Up?
Replies: 31
Views: 4391

Re: What if Your Play Money Blows Up?

I was in a similar situation as OP with my crypto a month ago. I ended up withdrawing the principal and I'm letting the profits ride for now.
by youngin87
Fri Jan 12, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3286

Re: Antarctica [anyone traveled there?]

Antarctica was my sixth continent. I traveled via cruise ship and highly recommend scopolamine patches. I took meclizine tabs instead and they made me like a zombie during most of the trip. Scopolamine patches generally have less side effects. Expenses vary depending on how long the cruise, how clas...
by youngin87
Sat Dec 30, 2017 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Small Windfall
Replies: 11
Views: 1726

Re: Small Windfall

With regards to the student loan, if you can shave 4 years off of doing work you'd rather not do, it's probably worth paying it off even if the numbers don't strictly favor it. How on earth do you figure you can retire at 35? I have you at 234k, plus 120k more from maxing TSP and Roth for 5 years =...
by youngin87
Sat Dec 30, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Small Windfall
Replies: 11
Views: 1726

Small Windfall

So I invested $25,000 into random crypto coins at the end of November and now it's rocketed to $100,000. I did read the boglehead managing a windfall and took out a years worth of living expenses ($25,000). That leaves a total of $75,000 which I'm not sure how to handle My financial situation is as ...
by youngin87
Sun Dec 10, 2017 4:57 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 19193

Re: Save all this money, what do you splurge on?

I spent $13k on two puppies. WOW what breed? German Shepherds (working line, aka the "real" German Shepherds) Purchased from a top breeder in Washington- kraftwerkk9.com Dam, I thought I spent a lot. I bought from True Haus, one of the top breeders in California. Cost me $2400 including airfare.
by youngin87
Mon Nov 13, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 3140

Re: Audiophile Headphones

I would wait until black fri to see what deals you can get. I received a new LCD-2 for $500. They were supposed to give out refurbished ones but because they ran out, they started giving new ones.
by youngin87
Thu Sep 28, 2017 10:38 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 14560

Re: Any "average Joe" here actually make out well with individual stocks?

I've done well, but I don't recommend it. Knowing what to buy is the easy part, knowing when to sell is hard. Emotions are the really hard part - any system will go through bad spells- does that mean your system isn't working anymore (not impossible as things do change) or is it just a temporary de...
by youngin87
Thu Sep 21, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 28628

Re: I won the Lottery. Need sound advice.

The other advice of "tell no one". Yes, in a perfect world, I completely agree. However, my state has to "right to know" law and unfortunately the newspapers publish anyone who wins the lottery over $1000 on a monthly basis. So, I have no choice on that one, unfortunately. Can't you create a revoca...
by youngin87
Sat Aug 12, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Upgrade car suspension or wait few more years
Replies: 17
Views: 1696

Upgrade car suspension or wait few more years

I have a 2009 Camry SE with 150,000 miles. My goal is to get it to 200,000 miles for bragging rights then retire it for a CPO car. I average 15,000 miles per year so to get it to 200,000 means I'll keep it at least 3 more years. However, I noticed the handling and road noise quality going down over ...
by youngin87
Fri Jul 21, 2017 1:22 am
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 26
Views: 3145

Re: Continue stock picking or invest in index funds

It might help to know which Fidelity funds you are investing in... in fact, the individual stocks and funds and what percentage of your portfolio they are, if you don't mind sharing that with us. Question: did you play a few hunches recently that have made you think maybe you've just been lucky, no...
by youngin87
Wed Jul 19, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 26
Views: 3145

Continue stock picking or invest in index funds

Over the past 2 years, I'm been putting extra money in Fidelity individual stocks and mutual funds. So far my performance is +48%. My Fidelity account is my high risk, high reward account. I'm not sure I can sustain this so I have to decide whether I should continue to let it ride or start putting t...
by youngin87
Sun Jul 02, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Any actual Expats in retirement?
Replies: 13
Views: 2779

Re: Any actual Expats in retirement?

"Living abroad" in the UK or Australia or New Zealand is very different than "living abroad" in Thailand or Cambodia or Vietnam. Living abroad in Saigon, Vietnam, is different than living abroad in Da Nang, Vietnam. Living abroad in District 2, Saigon, Vietnam, is different than living abroad in Di...
by youngin87
Sun Mar 26, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 10129

Re: Massive Student Loan Debt - Girlfriend

I know PSLF debt forgiven is not taxable. I have $120,000 of student loan debt and have made 5 years payments so far.
by youngin87
Wed Feb 22, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 534170

Re: What's Your Credit Card Rewards Strategy?

Sallie mae rewards is getting rid of their 5% gas, grocery, and bookstore card. I'm switching over to the USAA limitless which gives 2.5% cash back everything. I also have discover and chase for the 5% rotating categories.
by youngin87
Sun Feb 19, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: 1.3 million dollars in debt
Replies: 36
Views: 9549

Re: 1.3 million dollars in debt

I am currently doing the pay-as-you-earn program with my student loans. Basically, I pay 10% of my income towards my student loans every month. After this year I will no longer qualify for this program as my income will be too high. I have several different federal loans and the interest rates rang...
by youngin87
Sun Feb 19, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for my Age - 28
Replies: 21
Views: 2839

Re: Advice for my Age - 28

You have a solid start--nice job! Do you have an emergency fund (3-6 months of expenses) somewhere accessible? Do you have access to an HSA? What are your goals? No access to HSA. My goals are to build weath and travel the world. I think what I will do is max out my TSP and build up savings to $150...
by youngin87
Sun Feb 19, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for my Age - 28
Replies: 21
Views: 2839

Re: Advice for my Age - 28

BD. wrote:why not max out the TSP?
I should but I've been too lazy to submit paperwork. There is no online option so I have to fill out paperwork and mail it (maybe fax would work).
by youngin87
Sun Feb 19, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Advice for my Age - 28
Replies: 21
Views: 2839

Advice for my Age - 28

I'm looking to see what more I can do financially for my age at 28. INCOME My gross income 90k Maxed Roth IRA Contribute to tsp $16500/year EXPENSE/DEBT My monthly expenses $2000-3000 - $90 cell phone, $50 internet, $160 gas $120 piano lessons, $150 utilities, $100 pet expenses, $250 food, $75 cloth...