Search found 567 matches

by tesuzuki2002
Wed May 15, 2019 11:10 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7242

Re: Dividends almost Doubled between 2013 and now

Shsssh! Don't tell anyone. Besides, being a fan a dividends here is heresy. It's not that people here don't like dividends, they just realize that they are nothing more than taking a couple bucks out of your right pocket and putting it in your left pocket (and possibly paying taxes on it). Great An...
by tesuzuki2002
Tue May 14, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6231

Re: I accidentally retired, and need tax advice

IngognitoUSA wrote:
Tue May 14, 2019 6:49 pm

I have heard of getting accidentally pregnant but not accidentally retired.

:oops: :oops:
by tesuzuki2002
Wed May 08, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on 401k match for over-contributing
Replies: 45
Views: 4725

Re: Lost out on 401k match for over-contributing

I over-contribute to my 401k. Have been doing so for about a decade now!! This means I am done with my 401k contribution limit (18.5k last year, 19k this year) by sometime around September, and then I get big, fat paychecks for last 3 months of the year. I got down to doing some actual spreadsheet ...
by tesuzuki2002
Mon May 06, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 3729

Re: Educational pathway(s) for future engineer

I'd go for a co-op or intern option.... the connections and work experience are a huge plus... I was making $43/hr as a co-op / intern during finishing up my engineering degree. I took a light credit load and worked a lot that year... could have finished over the summer, but I like the work experien...
by tesuzuki2002
Mon May 06, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Car loan dilemma
Replies: 34
Views: 2754

Re: Car loan dilemma

VINNY wrote:
Mon May 06, 2019 7:09 am



B. Make extra 5k to 6k monthly payments or


Thanks!
Vinny

You have options. Plan B.2 could be to make extra $2.5k payments and invest the other $2.5k so you get a mix of both.
by tesuzuki2002
Thu May 02, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Getting Laid off
Replies: 34
Views: 4494

Re: Need Advice - Getting Laid off

Thanks to everyone providing feedback! I really appreciate the perspective. My boss and his boss are actually on my side on this. So there wouldn't be any laughing out of their respective office. I am still employed and I could take the time now however it would prevent me from doing the important ...
by tesuzuki2002
Thu May 02, 2019 4:44 pm
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 84
Views: 7038

Re: Close Vanguard and go all in with Fidelity?

I wanted to ask for the forums opinions on this matter: I now have accounts at Fidelity and Vanguard. I have approx. $350,000 in various accounts. $200,00 in a professionally managed account. I also have $185,000 in Vanguard accounts VTIAX, VTSAX and VWITX. I have found that It is much easier for m...
by tesuzuki2002
Thu May 02, 2019 4:37 pm
Forum: Personal Investments
Topic: Intel sell or hold NOW sold.
Replies: 64
Views: 4079

Re: Intel sell or hold NOW sold.

I have 30,000+ shares of Intel stock recently inherited. The date of death valuation is at 48.57. I had intended to ladder selling in order to keep taxes lower. I had placed a sell at 59 and it continues to fall and expected earnings are not looking good, compared to beginning of year estimates. Th...
by tesuzuki2002
Thu May 02, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: [Does paying a child for chores count as earned income?]
Replies: 17
Views: 1621

Re: [Does paying a child for chores count as earned income?]

:moneybag :sharebeer :oops: What people will do to attempt to start Roth IRAs for their children. The last thing I want to do is get the IRS snooping around. Benefit isn't worth the risk. I would pay my child for eating his vegetables as earned income, but he never eats them. No Roth IRA for him!
by tesuzuki2002
Thu May 02, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4551

Re: Short BYND? (beyond meat, IPO today)

I mean, I'm all for the meatless meat movement and firmly believe in the technology, etc... ...but this seems like a good candidate to short. If I was into that sort of thing. (I'm not even sure of the mechanics of shorting a stock, thankfully - that way I would have no idea how to even attempt it!...
by tesuzuki2002
Wed Apr 24, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4760

Re: How far would you commute?

For the past 5 years I've worked for a megacorp from home. I accepted this role because it offered work from home option. Over 2000 people use this option. The company has now announced that they are removing the Work from Home option and everyone must commute to an office (which will likely be an ...
by tesuzuki2002
Wed Apr 24, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4135

Re: How to clean a garage?

fortfun wrote:
Tue Apr 23, 2019 9:30 pm
:-) :) :oops: :sharebeer
Mike Scott wrote:
Tue Apr 23, 2019 9:27 pm
You obviously need a bigger garage.
And beer brewing equipment!!! :sharebeer
by tesuzuki2002
Wed Apr 24, 2019 4:40 pm
Forum: Personal Investments
Topic: Where to open 529 savings plan?
Replies: 19
Views: 1219

Re: Where to open 529 savings plan?

For 401K, my employer use Fidelity. Should I use Fidelity? Or should I use Vanguard or TRowe Price? Or some other company? Does it make any difference or not? I live in Los Angeles, CA. I'm currently pregnant and due in 6 weeks. I want to start saving for her 529 this year. Thank you in advance. -J...
by tesuzuki2002
Thu Apr 18, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5180

Re: In which companies do you own a single share, or token amount, of stock?

For a few years I owned one share of GM. When I bought my most recent house, the best loan offered came thru GMAC, which offered 1/4 point discount on the interest rate for owners of GM stock. Ralph that's nice! I didn't know that little bonus. I've got around 40 shares in GM though. Probably don't...
by tesuzuki2002
Thu Apr 18, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5180

Re: In which companies do you own a single share, or token amount, of stock?

For a few years I owned one share of GM. When I bought my most recent house, the best loan offered came thru GMAC, which offered 1/4 point discount on the interest rate for owners of GM stock. Ralph I have 4.129 shares of Wabtec, shares spun off by a business deal involving Wabtec and GE. Currently...
by tesuzuki2002
Wed Apr 17, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9990

Re: seriously thinking about leaving S. CA but where to?

I am retired so I can move anywhere in the country. I have spent countless hours searching for a place to live. Originally , I was searching for a state free of taxes. But it doesn't matter anymore. I just want to leave CA but not sure where. Any suggestions based on the criteria Criteria: 1/ Good ...
by tesuzuki2002
Wed Apr 17, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: I give up on discount movie apps....
Replies: 11
Views: 1217

Re: I give up on discount movie apps....

So I was an early guy with Movie Pass. For a few months it was great - 3 movies per month at my favorite theater. Then MP decided to severely limit available movies - many days there were none available at any nearby theater. So I ditched MP. Have been with Sinemia - a similar service that did not ...
by tesuzuki2002
Wed Apr 17, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9990

Re: seriously thinking about leaving S. CA but where to?

I am retired so I can move anywhere in the country. I have spent countless hours searching for a place to live. Originally , I was searching for a state free of taxes. But it doesn't matter anymore. I just want to leave CA but not sure where. Any suggestions based on the criteria Criteria: 1/ Good ...
by tesuzuki2002
Wed Apr 17, 2019 10:10 am
Forum: Personal Investments
Topic: Re-balancing "organically"
Replies: 12
Views: 1283

Re: Re-balancing "organically"

yes it is basically that simple. I have been doing that method for the past decade... I'm still accumulating... but the challenge now being by contributions are minuscule compared to portfolio size.. so they don't even move the needle... so there are segments of time where I feel like I'm chasing th...
by tesuzuki2002
Fri Apr 12, 2019 2:33 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 5905

Re: Savings by 30?

Please advise if you had a savings goal by 30. If you have more than 100k saved are you on the right track? Right now I have some student loan debt but have around 130k in savings. This includes EF, taxable accounts, and 401k. I am 30. Thanks all. Your savings goals... would be determined by your o...
by tesuzuki2002
Wed Apr 10, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 271

Re: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help

jpsfranks wrote:
Wed Apr 10, 2019 2:51 pm
Yes it's a (self employed/solo) 401k, and you can treat it as such and ignore that it ever said Keogh.
I had the Same result last year in 2018... Its a Solo 401K
by tesuzuki2002
Tue Apr 02, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 5324

Re: Boglehead Pilots...advice

It sounds like you have done your research. I got bored after finishing grad school in 2013. Decided the end of 2014 to get my pilot license. I spent around $14K total including all the things I had to buy to get into flying a little with my own gear. It was a great experience and I would do it all ...
by tesuzuki2002
Sun Mar 31, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 30783

Re: [2018 tax return - How does it compare to previous years?]

2017 - received $3300 refund from the feds 2018 - I own $2200 to the fed I also have to now pay the fed $1400 each quarter for future 2019 taxes. I live in Cali and not feeling good at the moment. I think the middle class in Cali got screwed. D Your refund is only a symptom of how much was withheld...
by tesuzuki2002
Sun Mar 31, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 30783

Re: [2018 tax return - How does it compare to previous years?]

My taxes increased this year.

Income went up a little. Effective tax rate went up 1%.

Not a terrible problem to have, but I’m paying more.
by tesuzuki2002
Sun Mar 17, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10568

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

I carry some really strange items in my carry on. Custom electronics, wires control boxes etc... I’m an electrical engineer.m. I’ve had some things get picked up by security. They usually swab it for explosives and it comes back negative so it goes thru fine at that point. Carry meds and vitamins in...
by tesuzuki2002
Wed Mar 13, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Buying a used car for LA
Replies: 25
Views: 1701

Re: Buying a used car for LA

Hey all, I am moving to LA with my fiancee (so just 2 ppl) to Los Angeles for a new job this summer. We do not own a car now but will get a used car so I can commute (most likely from Pasadena/Alhambra to USC) and drive around on weekends, etc. Now, some friends who lived there suggest that SUVs wo...
by tesuzuki2002
Wed Mar 13, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 7835

Re: Bright daughter wants to work for nonprofit

Daughter is 3 years out of college. Very bright. Graduated from a top college in Business. CPA. She has been with 3 companies and did well in all. Companies loved her. She has a very bright future. However, she recently decided that she wants to work for a nonprofit. She was upfront with her curren...
by tesuzuki2002
Thu Feb 14, 2019 5:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "secret" funds
Replies: 35
Views: 6903

Re: Vanguard "secret" funds

OH NO!!!! They leaked info on the secret funds??!!!
by tesuzuki2002
Wed Dec 19, 2018 10:50 pm
Forum: Personal Investments
Topic: FAANG
Replies: 48
Views: 3781

Re: FAANG

They did so well then tanked for reasons beyond me. I didn't sell all of them and they continued to fall. Now they seem like screaming bargains to me, but the rest of the world doesn't agree. I plan to just hold what I've got on the premise that they'll eventually return to their highs over the nex...
by tesuzuki2002
Wed Dec 19, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: What will be the low for the S&P 500?
Replies: 87
Views: 8232

Re: What will be the low for the S&P 500?

I get it, nobody knows, but c'mon, let's have some fun while we see our portfolios decline in value... What will be the low for the S&P 500 of this correction / bear market whatever you want to call it? My guess is 1400. I posted the same question over 10 years ago in the midst of the financial cri...
by tesuzuki2002
Tue Dec 11, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22636

Re: What percentage of your net worth is your home equity?

Ed_Sandwich wrote:
Tue Dec 11, 2018 4:18 pm
Mine is around 28%, curious about other bogleheads.
I would say it is hard to make this meaningful. There are so many factors... and reasons. For the purpose of the exercise mine is 8% and the home is paid for.
by tesuzuki2002
Thu Dec 06, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 22327

Re: Call the top! - Bitcoin

I have a coworker who has been modeling production costs vs market cost of Bitcoin. May 28, 2020 is the next scheduled halving and he says it will drive market prices well above production cost... His estimates and charts are a little north of 1 Million... I'll be curious to follow and wish him luck...
by tesuzuki2002
Thu Nov 15, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7547

Re: Are you all staying the course?

Lax67 wrote:
Thu Nov 15, 2018 10:58 am
Yes. In fact, I just recently increased my contribution amount.
BOOM!!!! keep at it!
by tesuzuki2002
Thu Nov 15, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7547

Re: Are you all staying the course?

Esq123 wrote:
Wed Nov 14, 2018 2:53 pm
How are you all handling the recent market volatility? Everyone staying the course? I am content for now that I am not 100% equities.
I have been pressing on the accelerator!!! buying up the value.
by tesuzuki2002
Tue Nov 13, 2018 7:01 pm
Forum: Personal Investments
Topic: Is maxing out Tax defered 401(k) enough?
Replies: 49
Views: 5358

Re: Is maxing out Tax defered 401(k) enough?

Hello Bogleheads, I am thankful to find this forum and have been reading through various posts and wiki sections.Posting for the first time. Here is our current situation and would like to get feedback for our investment/saving strategy. We both are in mid 30s with two young kids living in MCOL are...
by tesuzuki2002
Tue Nov 13, 2018 6:56 pm
Forum: Personal Investments
Topic: How much should Son and DIL put into Roth & Pre-tax 401k accounts...?
Replies: 21
Views: 1204

Re: How much should Son and DIL put into Roth & Pre-tax 401k accounts...?

My son and DIL are starting their first post-military jobs. They are in late 20s. Each has 6% matching available. Income, he ~100k, her ~25k. Only std deduction (only 1600/mo apt as far as fixed bills). No kids yet. House in the next 2 years and they have the down payment. I have offered suggestion...
by tesuzuki2002
Tue Nov 13, 2018 6:49 pm
Forum: Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 132
Views: 22350

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Hi everyone, With all the swings up and down recently I am finding that it's too much volatility for me. My portfolio has gone down by $12000 over the past few days. I know people on here say it's a blip on the radar, but when I think about what I have to go through to earn $12k ($12k = two months ...
by tesuzuki2002
Tue Nov 13, 2018 6:47 pm
Forum: Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 132
Views: 22350

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Hi everyone, With all the swings up and down recently I am finding that it's too much volatility for me. My portfolio has gone down by $12000 over the past few days. I know people on here say it's a blip on the radar, but when I think about what I have to go through to earn $12k ($12k = two months ...
by tesuzuki2002
Thu Oct 25, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 9033

Re: When to change tires; and what brand

Curious 1. When do you guys change tires ? I know that tire tread depth is 8/32 mm for a brand new tire and 2/32 mm for a completely bald tire. The tire shops try to scare you into buying new tires even at 5/32 mm. I myself have been buying as soon as they dip below 3/32 mm. I bought a electronic t...
by tesuzuki2002
Thu Oct 25, 2018 1:29 am
Forum: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7876

Re: Reaction to Market

The Sky is falling!!!
by tesuzuki2002
Wed Oct 24, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: The ship metaphor
Replies: 24
Views: 2091

Re: The ship metaphor

JoeRetire wrote:
Wed Oct 24, 2018 2:06 pm
bengal22 wrote:
Wed Oct 24, 2018 1:26 pm
Just remember that everything will be OK in the end.

If things aren't OK then its not the end.
In the end, we're all dead.
And that's okay.
You got us all there!!!
by tesuzuki2002
Wed Oct 24, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10846
Views: 1892946

Re: U.S. stocks in freefall

dknightd wrote:
Wed Oct 24, 2018 3:42 pm
Sorry, today was my fault. I got a little extra money recently and put it in the market yesterday. Oh well . . .
I just put in 15% of my cash today.. We'll probably see a bigger drop tomorrow! :oops:
by tesuzuki2002
Tue Oct 23, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12668

Re: 'Smart money' bailing on the market, time to get out?

https://www.zerohedge.com/news/2018-10-22/7-reasons-why-goldman-believes-professional-investors-are-now-bailing-market Whilst retail investors keep investing in the stock market, institutional investors have been decreasing their market exposure. Is there something the 'smart money' knows, that we ...
by tesuzuki2002
Tue Oct 23, 2018 1:55 pm
Forum: Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 8019

Re: For those who paid off house - how did you do it?

I searched forum about paying off mortgage but wasn't able to find good information how they did. I have a question for those who paid off your house(s), can you share how you did it? FYI: if it matters, I max out 401k, IRA, and HSA. Contributes some $ into 529 every month, have 6 months ER fund. I...
by tesuzuki2002
Mon Oct 15, 2018 6:37 pm
Forum: Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 57684

Re: Time to reach 1M and 2M milestones

kaeltor wrote:
Mon Oct 15, 2018 4:36 pm
Dang, I am 27 and only at 35K... market volatility making things harder!
you want a cheaper market to buy into!!! This market volatility is your best friend right now!!!
by tesuzuki2002
Mon Oct 15, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5329

Re: Huge drops in VTXVX and VTHRX

the calculation basis appears to be wrong..
by tesuzuki2002
Mon Oct 15, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: British Airways AVIOS Points
Replies: 9
Views: 625

Re: British Airways AVIOS Points

I have about 70,000 British Airways AVIOS points from 3 years ago. At one time, you could book, thru British Air, flights on local airlines for low point amounts that would cost a lot in dollars. For example, you could book round trip Pittsburgh to NYC for about 15,000 points ($150) whereas the cas...
by tesuzuki2002
Mon Oct 15, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Safe harbor for new California part-year resident?
Replies: 2
Views: 350

Re: Safe harbor for new California part-year resident?

Where were you between Memorial Day and October?? did you have an address in CA before October? I moved to CA 4 years ago... but my pay was from a CA source so the resident / non-resident is not a big deal. If you have non-CA income while a non resident that would get taxed in your home state which ...
by tesuzuki2002
Mon Oct 15, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5831

Re: Keep a backup hot water heater?

My hot water heaters (2-40 gallon) are approaching 15 years old. Some of my neighbor's have already failed (same age). Has anyone kept a spare in case of failure? I plan to install it myself and this would save me a trip to the Home Depot during a morning family crisis (I can imagine it now). I kno...