Search found 536 matches

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: 21667

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: 21791

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: 7223

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: 7223

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: Investing - Help with Personal Investments
Topic: Is maxing out Tax defered 401(k) enough?
Replies: 49
Views: 5112

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: Investing - Help with Personal Investments
Topic: How much should Son and DIL put into Roth & Pre-tax 401k accounts...?
Replies: 21
Views: 1153

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: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19755

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: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19755

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: 8626

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: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7715

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: 2034

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: 8614
Views: 1680016

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: 12369

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: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7754

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: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 55763

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: 5013

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: 596

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: 307

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: 5703

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...
by tesuzuki2002
Mon Oct 15, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: British Airways AVIOS Points
Replies: 9
Views: 596

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
Fri Sep 28, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4444

Re: Anyone ever tired of managing hair and consider shaving to go bald

I have been considering it now and then, but the fear or social stigma especially in the work place is keeping me away from doing it. Not to speak of unspeakable horrors at home from my spouse and kids. But, I want to feel free sometimes of the hair, and at least for once try it. Has anyone else tr...
by tesuzuki2002
Thu Sep 27, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4372

Re: Should I have my new garage floor coated with Epoxy?

gasdoc wrote:
Sat May 19, 2018 8:49 am
We had this done in a rental home in Florida. There is not a mark on the floor that does not clean up easily. We will now do this on any new home we purchase (hoping not too many more!).

gasdoc
+1
by tesuzuki2002
Thu Sep 27, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4372

Re: Should I have my new garage floor coated with Epoxy?

I am selling my home of 30 years and moving to a freestanding condominium (sometimes called a patio home) in central Ohio. Construction begins on the new place next week. A friend has recommended that I pay to have the garage floor covered with an epoxy coating before moving in. I do not have exper...
by tesuzuki2002
Thu Sep 27, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1445

Re: Am I the only one...[using multiple accounts]

Who doesnt have specific accounts for certain things. Like a vacation account, a mortgage account, a vehicle account, etc. My wife and I have our investments...and a checking account and only savings account. All the money goes to one place. I see a lot of people talk about certain accounts are mea...
by tesuzuki2002
Wed Sep 26, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Invest now or direct the money towards a loan to come?
Replies: 8
Views: 682

Re: Invest now or direct the money towards a loan to come?

kickich , welcome to the forum. I'm 27, living in Lebanon. I do have emergency funds, no debts, and a pretty stable income (work in the film industry). However, I'm planning on having a Masters in cinematography from a film school located in Los Angeles. (I didn't apply yet) The tuition for two yea...
by tesuzuki2002
Wed Sep 26, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: School Loan debt vs
Replies: 15
Views: 1269

Re: School Loan debt vs

I am 33 years old and have 90k in graduate school loan debt. I have been working at hospitals the last 7 years and now making $39 hour/65k year. My wife also has a good job in hospital and makes about $110k a year. Together we have $170k in school loans. I have about $90k invested in mutual funds a...
by tesuzuki2002
Wed Sep 26, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: How and When to Tell a Prospective New Employer about a Needed Disability Accommodation
Replies: 14
Views: 1627

Re: How and When to Tell a Prospective New Employer about a Needed Disability Accommodation

I may be pursuing a new position after many years of not working. It will be in a professional and formal office setting. Due to a certain physical condition, I will require a stand-up desk for the vast majority of the day. How do I go about telling the prospective employer that I will need this ac...
by tesuzuki2002
Wed Sep 26, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: $19 a a month, .63 a day
Replies: 11
Views: 1493

Re: $19 a a month, .63 a day

Just saw ANOTHER ad --give us just $19 a month! What is it about $19 a day that many charities ask for? Sixty three cents a day? What's so magical about those two numbers? I ALWAYS round numbers... so anything at or north of $16 falls into a $20 bucket for me.. Marketing tricks never get me..
by tesuzuki2002
Tue Sep 25, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25786

Re: What is your single most expensive mistake?

Going in hardware instead of software. Not going to large successful company when I had an offer many years ago. My wife going to dentistry not medicine. Not starting earlier and not putting enough effort into the admission process in grad school. Of course these were expensive, but not necessarily...
by tesuzuki2002
Tue Sep 25, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2456

Re: Home workouts

Freefun wrote:
Thu Sep 20, 2018 12:36 pm
Burpees

Edited - also check YouTube. There’s a million workouts - of course some better than others - but it’s a good way to see stuff you might enjoy actually doing.
+1
by tesuzuki2002
Tue Sep 25, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Uniters “worry no more” furniture warranty added to price without me knowing
Replies: 9
Views: 884

Re: Uniters “worry no more” furniture warranty added to price without me knowing

Cancel the entire order and resume shopping. This is definitely an option 🤔 I wouldn't even ask. I was notify them you want to cancel the order. When they ask why...tell them they have deceptive business practices... simply say you reviewed the order after they rushed you thru it and did not explai...
by tesuzuki2002
Tue Sep 25, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6173

Re: Oil change interval for low-mileage vehicles

Hi Bogleheads, I searched the archives and found that threads on this specific subject are five or six years old, so I thought I'd start a new thread. I have a 2017 Ford Escape, and I don't drive much. I put about 4000 miles a year on it. Most of that is from short trips, running errands around tow...
by tesuzuki2002
Tue Sep 25, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 8024

Re: Someone stole my check from the mail, changed the amount, and deposited it

Mail theft happens weekly in the area that I live in. I tell everyone to NEVER NEVER send me a check. they break into the gang box units weekly.. and the first of the month it's usually 2 or 3 in a week. That's when all the benefits and rent checks usually get mailed... I just try to keep everything...
by tesuzuki2002
Tue Sep 25, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 8024

Re: Someone stole my check from the mail, changed the amount, and deposited it

Mail theft happens weekly in the area that I live in. I tell everyone to NEVER NEVER send me a check. they break into the gang box units weekly.. and the first of the month it's usually 2 or 3 in a week. That's when all the benefits and rent checks usually get mailed... I just try to keep everything...
by tesuzuki2002
Tue Sep 25, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3453

Re: How to buy a mattress

mhc wrote:
Tue Sep 25, 2018 2:04 pm
I bought a new matress last year. I got it from Amazon. I read the reviews and found one that sounded reasonable. In a few days it showed up in a box on my front porch. DW and I like it. I don't have time to go to a store and lie around on different mattresses and then over pay.
+1
by tesuzuki2002
Tue Sep 25, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3891
Views: 1089324

Re: What Movie Have You Recently Watched?

ruralavalon wrote:
Tue Sep 25, 2018 8:38 am
tesuzuki2002 wrote:
Mon Sep 24, 2018 4:41 pm
STRIPES
That's a fun movie :) .
It came out the year I was born..... HOW I have not seen it until now... I don't know!
by tesuzuki2002
Mon Sep 24, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5259

Re: Vacation without saving adequately?

We were approached by a couple who wants to go on a ski trip this winter. We will likely not be able to save up enough to cover the costs without dipping into savings. We are in a comfortable position, fully contributing to our 401k and Roths and have 6 months of expenses tucked away. I am feeling ...
by tesuzuki2002
Mon Sep 24, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: To rent out our house or not
Replies: 25
Views: 1445

Re: To rent out our house or not

There is a strong chance we will be moving to another city. We’ve owned our home (a duplex) for 5 years. We’ve put a lot of money into it and I’m interested renting it out because I believe the value will go up a great deal over the next 5-10 years. We pay $2850 a month for our mortgage, insurance ...
by tesuzuki2002
Mon Sep 24, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 143
Views: 16120

Re: New Car: Ever make sense to lease?

In 2004 I was driving an 11 year old Buick Century with 110,000 miles on it and found that in that year I paid $2,500 for repairs. I read an add I could drive a brand-new Buick Century for $2,200 lease per year, and thought to be close to a genius to buy this new car for less than my old car was co...
by tesuzuki2002
Mon Sep 24, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 106
Views: 12249

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Is this a good time to buy? ==> What does Turkey do for the world, anyway? Seems like they are awfully dependent on foreign capital coming into their markets. (Don't worry, this is more for discussion than serious consideration). https://www.ishares.com/us/products/239689/ishares-msci-turkey-etf#/ ...
by tesuzuki2002
Mon Sep 24, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Self Directed Solo 401k - any one doing it for investing here?
Replies: 3
Views: 388

Re: Self Directed Solo 401k - any one doing it for investing here?

If you do investing in property within a self directed solo 401k there are many rules regarding fixing up the property that can be easily overlooked. Breaking these rules can create significant problems. Is this heading in the direction that you can only spend money / assets from the 401K to fix up...
by tesuzuki2002
Mon Sep 24, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7719

Re: Leasing Cars in Retirement

Wanted to get others thoughts on leasing cars in retirement in lieu of triggering an additional taxable event by spending down investments. Thinking $350 or so monthly for three years within mileage allowances, wash and repeat. Pluses are covered maintenance and investments continue to grow. Please...
by tesuzuki2002
Mon Sep 24, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for My First Recession?
Replies: 63
Views: 7425

Re: Preparing for My First Recession?

I am a first-time poster but have lurked here for quite some time. Thought this would be a good place to get advice from folks who may be further along on their financial journey than me. Background: 1. Just turned 30. Recently passed the ~200k mark in investment funds (primarily spread across Roth...
by tesuzuki2002
Mon Sep 24, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7769

Re: Best way to get $100k cash

Hello, is there any way to get - $100k from like credit card cash advance or some other way - with 0 (or low) fees - with a year of 0% APR. I can pay it off before the 1 year deadline when the 0% APR ends. Basically, I am looking to pay off my 3.625% mortgage balance. Most of my current credit card...
by tesuzuki2002
Mon Sep 24, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 143
Views: 16120

Re: New Car: Ever make sense to lease?

Im so glad i have leased. The invested money went up big in markets this year, and has easily paid the payment on my lease. Lease was 100% the best move by FAR. Getting lucky because of a market move is not something I would count on. My car is paid for.. has been for years.. Registration, ins, and...
by tesuzuki2002
Sun Sep 23, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1808

Re: HVAC Options -- Any advice?

I live in a DC suburb and received the following quote from a very reputable / established local company (about half our neighborhood uses them), for a 2,100 square foot (2,700 with basement) well-built / renovated split level from the 1950s. -- One Lennox EL296UH090XE48C Two-Stage Furnace with ECM...
by tesuzuki2002
Fri Sep 21, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Kid's school brought in Wells Fargo to teach them financial literacy today.
Replies: 26
Views: 2067

Re: Kid's school brought in Wells Fargo to teach them financial literacy today.

My bank is WellsFargo. For some reason, I've never paid a fee to them, so they have not cost me a dime. They have free accounts and even free accounts for your teenagers. What financial literacy was actually taught? Full disclosure: I consider all banks and credit unions to be "a pack of crooks." W...
by tesuzuki2002
Fri Sep 21, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Kid's school brought in Wells Fargo to teach them financial literacy today.
Replies: 26
Views: 2067

Re: Kid's school brought in Wells Fargo to teach them financial literacy today.

Tonight at dinner, my daughter told me her school brought in Well's Fargo to teach them about financial literacy today. At ten, she knows how badly they've treated their customers. She bit her tongue and didn't bring up their misdeeds but I wish she would have. In the end, they all received a certi...
by tesuzuki2002
Wed Sep 19, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Battery backup sump pump recommended?
Replies: 11
Views: 765

Re: Battery backup sump pump recommended?

Hi, If I have a backup generator, does it make sense to install a battery backup sump pump in case the main sump pump fails? Thanks! I would have redundant pumps... The Pump will cost you around $4-500 installed generally... you have back up power so you don't really need a battery.. but you can al...