Search found 75 matches

by chonp3
Sat Jul 07, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12964

Re: What time do you get up in the morning?

I much prefer mornings to nights. Something about that calm quiet when everybody else is asleep.

4:45 M-F which allows me to make lunch and walk the dog for 30 minutes before heading to work at 6:15. In bed usually 8:30-9.

Wake up naturally around 6a on weekends.
by chonp3
Wed Jan 24, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: simple IRA at vanguard - rollover to an Rollover IRA account?
Replies: 8
Views: 611

Re: simple IRA at vanguard - rollover to an Rollover IRA account?

I created a new Trad IRA after two years had elapsed on my Vanguard SIMPLE and do yearly transfers from SIMPLE to IRA. This achieves a .1 lower expense ratio. Not much immediate savings, but compounded I figure it's worth it for the minimal amount of work. I guess i'm still paying the $25/yr fee per...
by chonp3
Fri Nov 10, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 11900

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I am in shorts and a t shirt every day for work, colors vary though. 5 pairs of the same shorts, 10 t-shirts. Shorts get worn twice. Laundry every two weeks. No thought process involved in dressing. There's a few months here in southern CA where jeans will make an appearance
by chonp3
Fri Oct 06, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use Sebonic Financial for mortgage?
Replies: 18
Views: 47406

Re: Anyone ever use Sebonic Financial for mortgage?

Have used them for two refis. Both went very smooth and done in under 30 days. Best rate available at the time. Would use again
by chonp3
Sun Sep 10, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 3896

Re: Who actually buys lottery scratch offs?

I will pick up a few bucks worth on road trips while refueling. Yearly expense under $10
by chonp3
Fri Sep 08, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 65867

Re: Equifax customer information leak

Transunion had the worst experience for freezing. After twenty minutes on a unintuitive website, the last page would not permit me through. Another 20 on the phone, and finally frozen. Upon checking bank, two pending charges for the freeze.

Experian and Equifax were both under 5 minutes online.
by chonp3
Wed Jun 07, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard cost basis issue
Replies: 16
Views: 2215

Re: vanguard cost basis issue

Glad to hear I'm not the only one. I have two funds in taxable, total US and total INT, but only INT shows cost basis information. Believe it occured when I converted to admiral shares. I ignored until recently another purchase was made and lots are not being divided. SpecID is selected, but it appe...
by chonp3
Wed May 17, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 2563

Re: Keep paying for AC refrigerant when tech cannot find a leak

As a former AC tech, for very small leaks we would use a leak sealer sold in the AC wholesale warehouses. It's added into the refrigerant lines at the service valve, and seals from the inside out. Same stuff is on amazon - https://www.amazon.com/Refrigerant-Leak-Kit-1-1-Tons/dp/B00559WTD2 . It works...
by chonp3
Mon Apr 17, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 5199

Re: New HVAC - Assessing Quotes?

Former hvac installer here, 5-600 sq ft per ton is normal, so a 4 ton for your home does not seem oversized, esp with multi stage. You could size lower with zoning. I wouldn't care too much about brand, they're all essentially the same. We installed Goodman and Amana, they are nice units with great ...
by chonp3
Fri Apr 07, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Top tape measures
Replies: 30
Views: 2868

Re: Top tape measures

+1 on the Stanleys. My favorite tape. I prefer the regular ones (not fatmax), they are contractor grade. The return is so smooth, those cheap ones will snap back so fast and pinch your fingers. Should be magnetic, the tape itself is a thin gauge steel.
by chonp3
Sat Feb 25, 2017 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Just beginning: $40k to open taxable and IRA accounts
Replies: 21
Views: 2190

Re: Just beginning: $40k to open taxable and IRA accounts

For your desired allocation of 70/30 with 20% international, a tax efficient allocation would look like:

$22,400 Total US stock
$5,600 international
$12k total bond
Total = $40k

Her Roth
6k Bond
5k US Stock

His Roth
6k Bond
5k US Stock

Taxable
12.4k US stock
5.6k Int
by chonp3
Wed Jan 25, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 39
Views: 6145

Re: best way to buy TaxAct

I don't know how it happened, but I applied during the black friday deal and received a premium edition fed/state for free. Figured must be a mistake, but I filed last week and it was indeed no cost.
by chonp3
Tue Jan 24, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Simple IRA
Replies: 1
Views: 301

Re: Vanguard Simple IRA

Yes it will
by chonp3
Mon Jan 23, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 9910

Re: What is a good laptop to buy?

You mention you mainly just browse the internet...

I have been extremely happy with my Chromebook.
by chonp3
Fri Jan 20, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Do I want to try out another bank for $250?
Replies: 17
Views: 2555

Re: Do I want to try out another bank for $250?

In theory an energetic person who makes a serious hobby out of pursuing these kinds of offer possibly can pick up a few thousand dollars over a few years, people sometimes say they've done it and possibly they have. 2016 taxable interest from bank account promos for me alone was $3150 from 15 diffe...
by chonp3
Thu Nov 10, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Single or 2 stage HVAC system?
Replies: 6
Views: 1128

Re: Single or 2 stage HVAC system?

As a former HVAC installer, we would use two stage units esp when the system was zoned. This was in mild climate however. If it were me and there was no zoning, I'd go single stage.
by chonp3
Tue Oct 11, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Furnace issue
Replies: 15
Views: 1797

Re: Furnace issue

Count the red flashes, the diagnostic table is usually printed on the inside of the furnace door. Sounds like your inducer motor is not pulling a vacuum, meaning your sensor is bad or your exhaust pipe is blocked (located on the roof or sidewall), or something to do with ignition. Counting the flash...
by chonp3
Sat Sep 17, 2016 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest HSA funds
Replies: 6
Views: 1276

Re: How to invest HSA funds

I view the HSA almost as valuable as Roth and prefer to keep Total stock exclusively, to hopefully maximize growth. If in an emergency you need to withdraw from HSA, you could rebalance by selling bond and repurchasing total stock in 401k or whichever account you hold your bonds in. This is the same...
by chonp3
Fri Sep 09, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 17981

Re: Should I upgrade my 6 year old plasma TV?

Still getting by just fine with my 2003 32" lcd. Could get a much nicer one for a few hundred at costco, but can't justify.
by chonp3
Sun Aug 14, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 15352

Re: How much vacation time do you get at work?

I guess you could say I am third in command at my family's business, and vacation time usually correlates with workload. I've taken one week off each of the last three years, and have been given grief for doing so. This year is looking like a bad year to take time off. Technically though, I'm given ...
by chonp3
Mon Jul 04, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372256

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

My 90/10 three fund is only up 2.88 and I'm feeling kinda bummed reading about everybody elses
by chonp3
Fri Jul 01, 2016 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 33575

Re: Where were you financially when you were at 30?

31 now, net worth of about 300k.

Financial independence goal of age 45 (Fingers crossed)
by chonp3
Sun Jun 26, 2016 1:39 pm
Forum: Investing - Theory, News & General
Topic: TLH question [Tax Loss Harvesting]
Replies: 25
Views: 1759

Re: TLH question [Tax Loss Harvesting]

I found this old thread which may be of some help https://www.bogleheads.org/forum/viewtopic.php?t=161998 In particular, Re: Tax Loss Harvesting Wash Sale in Roth IRA Postby House Blend ┬╗ Thu Mar 26, 2015 7:40 am ^As I explained upthread, that's not how the calculation works. Let me try again, this ...
by chonp3
Sat Jun 25, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 6
Views: 520

Re: TLH question

I understand this. My question is if selling the recent distribution inside Roth would clear the wash sale, since it cannot be considered a replacement share if sold?
by chonp3
Sat Jun 25, 2016 8:24 am
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 6
Views: 520

TLH question

Total international in Taxable has $500 in losses as of today. If it continues to grow next week I am considering a first time TLH -Reinvest dividends is turned off in Taxable, last purchase was 5/31. Cost basis is set to specID -I ALSO hold Total Int in ROTH IRA, which is set to reinvest dividends....
by chonp3
Wed Jun 01, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Sudden spam explosion in my inbox
Replies: 15
Views: 2549

Re: Sudden spam explosion in my inbox

Same here on my hotmail address.
by chonp3
Mon May 30, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much can you make from the credit card / bank account game?
Replies: 54
Views: 6563

Re: How much can you make from the credit card / bank account game?

I subscribe to the DoctorofCredit site as well, and strictly do the bank bonuses. Starting from Jan of this year, I am up to $2k. If you have a spouse, many can be done 2x. Not bad for just moving an e-fund around and changing some DDs.
by chonp3
Fri May 27, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs taxable in a relationship
Replies: 3
Views: 513

401k vs taxable in a relationship

Hello, My girlfriend of 3 years is currently contributing $800 to our monthly home expenditures (10k per year). I have been putting this 10k into my taxable as I can cover the mortgage by myself. She is about 10k shy of maxing her 401k per year. My thoughts are this money would be better saved in a ...
by chonp3
Wed Apr 13, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 5794

Re: disability insurance: do I really need it?

I've been looking into this same question but have not yet started getting quotes.

Is it possible or advisable to only get DI until let's say, age 45/50... at which point if the stars align one may be able to self insure?
by chonp3
Tue Apr 05, 2016 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Simple IRA to Trad. IRA transfer process?
Replies: 4
Views: 548

Re: Vanguard Simple IRA to Trad. IRA transfer process?

Spoke with a Vanguard rep this morning and confirmed if both the Simple and Traditional are held with Vg, the process can be done online by exchanging funds from simple to traditional, as often as I please.
by chonp3
Sun Apr 03, 2016 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Invest taxable account in same funds as Roth IRA?
Replies: 8
Views: 1199

Re: Invest taxable account in same funds as Roth IRA?

I was asking your same question last year and, upon reading the wiki, decided to split the target date fund into its individual components and put int'l and TSM into taxable for tax efficiency. Saved a few basis points in the process as well. Holding a TDF early on in a taxable would not matter much...
by chonp3
Sun Apr 03, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Need a new online bank for checking (Capital One 360, Ally?)
Replies: 22
Views: 4046

Re: Need a new online bank for checking (Capital One 360, Ally?)

Countless previous threads on this. I would vote for Ally esp. since you already have an Ally savings. Transfers between the two accounts are instant, and you will have free overdraft transfer. Customer service is never more than a minute or two wait. I have had Ally checking/savings for the past 5 ...
by chonp3
Sat Apr 02, 2016 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Simple IRA to Trad. IRA transfer process?
Replies: 4
Views: 548

Re: Vanguard Simple IRA to Trad. IRA transfer process?

Thank you, I will call Monday and update the post for future searches (I'm surprised I could not find this question previously asked).
by chonp3
Sat Apr 02, 2016 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Simple IRA to Trad. IRA transfer process?
Replies: 4
Views: 548

Vanguard Simple IRA to Trad. IRA transfer process?

I have a Simple IRA through work with Vanguard and would like to transfer to a Vanguard Traditional IRA for the ability to purchase admiral shares. I have met the two year requirement. Any experiences with this process? All I have been able to find is the trustee to trustee transfer instructions whi...
by chonp3
Sat Feb 27, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 21822

Re: Tough Frugal Decisions

Qtman wrote:My wife and I ate refried kidney beans and home made tortillas for decades, they are cheap and healthy. If you ask our children in their 30s they will tell you homemade bean burritos are still their favorite meal. Lettuce, tomatoes added make an excellent meal - and they are CHEAP. :idea:
Recipe?
by chonp3
Fri Feb 26, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: 300 dollars for Chase savings offer
Replies: 40
Views: 6978

Re: 300 dollars for Chase savings offer

It's all spelled out in the fine print. Read and re-read it until you understand it. Usually the account cannot be closed for 6 months, but you can withdrawal your 15k after 3. Just keep the minimum to avoid monthly fees for the remaining 3 mos. Write yourself a check with the free ones they supplie...
by chonp3
Sat Feb 20, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Amazon Free Shipping Is Now $50....
Replies: 74
Views: 12178

Re: Amazon Free Shipping Is Now $50....

Well, looks like I'll be purchasing less from Amazon. Even at $35, my cart would often sit half full for a month or more until free shipping was achieved, often resulting in the items no longer being desired.
by chonp3
Sat Feb 20, 2016 12:50 am
Forum: Personal Consumer Issues
Topic: Discover Bank Not Paying Promised Bonus
Replies: 49
Views: 11693

Re: Discover Bank Not Paying Promised Bonus

I took part in Discover's 300/100 checking/savings promo last year and did not receive on time. From other comments I have read, this is common for Discover. A phone call, and an "investigation", took care of it. If you are inclined, the CFPB, a gov agency that receives reports of this type of behav...
by chonp3
Sat Feb 06, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Warning on Amazon Subscribe & Save
Replies: 44
Views: 6471

Re: Warning on Amazon Subscribe & Save

Same experience. I had cat food on subscribe and save. I never bothered looking at the price, for some reason I thought it was locked in at the time I set it up and I would be notified if there was a change. Well, my cats were getting low on food and I received an email from Amazon the day I was sup...
by chonp3
Fri Jan 22, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 14820

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

First time using Taxact this year. Entered all info into both TT and TA. TT wanted $90 fed/state efile, TA $15. Decision was easy.

https://www.taxact.com/applications/fil ... omo=plus15
by chonp3
Fri Jan 22, 2016 6:54 pm
Forum: Personal Consumer Issues
Topic: improper furnace install from previous homeowner, what now?
Replies: 19
Views: 2643

Re: improper furnace install from previous homeowner, what now?

I worked in the heating trade for many years, often a louvered door was necessary to provide make up air for combustion. The lack of a louvered door could be the code violation. I wouldn't worry about it. Install a CO detector, have your gas company check it out for free. If there was something obvi...
by chonp3
Mon Jan 18, 2016 9:57 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 7296

What online Email do you use

After using a hotmail account for over 10 years, I've become frustrated with the new Outlook Preview upgrade. It links all of MSNs products through the email inbox, which means the inbox takes 5-10 seconds just to load. Prior to this it was instantaneous. I've checked out GMail, and it's somewhat si...
by chonp3
Fri Jan 15, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 9281

Re: Best place to live in CA for a young family

I grew up and still reside in Ventura County and it meets everything you have listed. The Conejo Valley is separated from the coast by the Santa Monica Mountains (great hiking/biking), and has some of California's best schools. Thousand Oaks and Newbury park are great and should fall into your budge...
by chonp3
Wed Jan 13, 2016 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Best strategy for HSA: withdraw or accumulate?
Replies: 11
Views: 1683

Re: Best strategy for HSA: withdraw or accumulate?

If you save the receipts for your $6k per year qualified expenses, you can withdraw the accumulated expenses tax free in twenty years, or whenever you choose.

https://www.bogleheads.org/wiki/Health_ ... ithdrawals
by chonp3
Wed Jan 13, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Initial HSA Bank/TD Ameritrade investments?
Replies: 13
Views: 6633

Re: Initial HSA Bank/TD Ameritrade investments?

I, like you, enrolled with TD Ameritrade through HSA Bank this year. I'm planning to keep $5k in HSABank to avoid the monthly fee and to meet deductible in case of emergency. The rest I was planning on doing lump sum in January each year. I just purchased my first Vanguard Total Stock Market commisi...
by chonp3
Mon Jan 11, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: GPS for a road bike
Replies: 29
Views: 2543

Re: GPS for a road bike

I use a Garmin edge 500, can get for about $150. Basic map display, but you can export routes created online to get a cuesheet of turns. Works well for traveling.
by chonp3
Sun Jan 10, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Who do you listen to? (Podcast, etc)
Replies: 48
Views: 11900

Re: Who do you listen to? (Podcast, etc)

Favorite finance podcasts-
Jill on Money
Dough Roller
Radical personal finance
Marketplace

Favorite general podcasts-
Common Sense (Dan Carlin from Hardcore History.. current events)
The After Disaster
Miscellaneous Adventures from the world of Mike Carano
Film Vault
by chonp3
Sat Jan 02, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 14387

Re: Savings % Target 2016?

50-55% gross
Topped off efund plus received 25% raise last year :beer