Search found 1066 matches

by tesuzuki2002
Wed Sep 16, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 188
Views: 11941

Re: Grocery store didn't tell me Shingrix was $160

sailaway wrote: Wed Sep 16, 2020 1:31 pm Did you ask?
+1
by tesuzuki2002
Sat Sep 12, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Near number but not at retirement age
Replies: 36
Views: 3003

Re: Near number but not at retirement age

I’m at that point now. 47 and have hit seven figures. That was my goal by 60. If I don’t contribute another dime will have almost $3mil by 60. I’ve reduced my retirement savings from 25% to just 6% (to get company match in 401k). We have decided to upgrade our cars and spend more money on our home ...
by tesuzuki2002
Sat Sep 12, 2020 1:16 am
Forum: Investing - Theory, News & General
Topic: Buying covid hit stocks
Replies: 30
Views: 1757

Re: Buying covid hit stocks

My company started heavily using Zoom back in September last year... and I said to myself wow I really like their product. It has come a long way... I made an investment then because I saw an opportunity and I was familiar and had started using it regularly... Much to my surprise COVID really shot ...
by tesuzuki2002
Wed Sep 09, 2020 7:43 pm
Forum: Personal Investments
Topic: Do I really own anything if everything can require a Medallion signature which I can never get?
Replies: 71
Views: 7675

Re: Do I really own anything if everything can require a Medallion signature which I can never get?

tibbitts wrote: Sat Sep 05, 2020 11:30 am
tesuzuki2002 wrote: Sat Sep 05, 2020 11:25 am ...Banks will do them very easily if you do need one...
Have you actually had experience with a bank that you have no relationship with doing a Medallion guarantee?
well.. yes. you likely need to go to your bank. I've never gone into a bank that I wasn't a current customer with...
by tesuzuki2002
Wed Sep 09, 2020 7:38 pm
Forum: Investing - Theory, News & General
Topic: Buying covid hit stocks
Replies: 30
Views: 1757

Re: Buying covid hit stocks

covid depressed stocks that I bought that haven't really gone back up as much as I assumed (all are about +10-15%) they would and could be a good buying opportunity : BA - Boeing XOM - Exxon Mobile SRE - Sempra Energy LUV - Southwest airlines every other stock pick i purchased in early april is ove...
by tesuzuki2002
Wed Sep 09, 2020 7:32 pm
Forum: Investing - Theory, News & General
Topic: Buying covid hit stocks
Replies: 30
Views: 1757

Re: Buying covid hit stocks

Making some purchases in growth stocks that took a major covid hit. ....... Thoughts? Ive also considered airlines, but I really dont know too much about them. Don't invest in what you don't know..... I have become a big index fan.... But there are good opportunities if you know where value lives. ...
by tesuzuki2002
Sat Sep 05, 2020 11:25 am
Forum: Personal Investments
Topic: Do I really own anything if everything can require a Medallion signature which I can never get?
Replies: 71
Views: 7675

Re: Do I really own anything if everything can require a Medallion signature which I can never get?

Vanguard's website says that you may need a medallion signature even to sell securities :( If I am not able to get a medallion signature for whatever reason, I will never be able to touch my assets? So is it the case that in some ways I do not own my assets i.e. my ability to use it to say buy a ho...
by tesuzuki2002
Sat Sep 05, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: How much to take down this tree?
Replies: 71
Views: 5275

Re: How much to take down this tree?

The thing is, the limbs over the garage are 6-8 feet off the roof and are 6-8 inches in diameter. I'd basically have to cut 6 inches at a time and even those chunks are going to be 15-20 pounds falling on the roof. why would you let them fall on the roof? Clearly you have never trimmed trees... Buy...
by tesuzuki2002
Fri Sep 04, 2020 5:44 pm
Forum: Investing - Theory, News & General
Topic: SoftBank partially responsible for tech stock rally in recent weeks?
Replies: 52
Views: 5983

Re: SoftBank partially responsible for tech stock rally in recent weeks?

Options market makers do something called delta hedging to maintain a neutral stance with respect to the markets (no exposure to markets going up or down). When they write call options, they go into the underlying securities market and buy. When they write put options, they go into the underlying s...
by tesuzuki2002
Fri Sep 04, 2020 5:37 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27525

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

People here need to stop saying index is the only way to make money. The truth is indexing is one of the ways to make money. It's been said that indexing is a way of PROTECTING wealth, while individual investments create wealth. But I agree different people will have different investment approaches...
by tesuzuki2002
Fri Sep 04, 2020 12:31 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27525

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

People here need to stop saying index is the only way to make money. The truth is indexing is one of the ways to make money. It's been said that indexing is a way of PROTECTING wealth, while individual investments create wealth. But I agree different people will have different investment approaches...
by tesuzuki2002
Fri Sep 04, 2020 12:28 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 27525

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

Hello all, My dad just told me he has surpassed one million in Tesla . He's 60 years old , 5 years left to retirement. Has a total portfolio of 3 million and RE worth 2 million. So if Tesla goes bankrupt.... Then he will only have a $4M portfolio instead of a $5M portfolio... I really don't see a h...
by tesuzuki2002
Fri Sep 04, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: How much to take down this tree?
Replies: 71
Views: 5275

Re: How much to take down this tree?

The thing is, the limbs over the garage are 6-8 feet off the roof and are 6-8 inches in diameter. I'd basically have to cut 6 inches at a time and even those chunks are going to be 15-20 pounds falling on the roof. why would you let them fall on the roof? Clearly you have never trimmed trees... Buy...
by tesuzuki2002
Fri Sep 04, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 140
Views: 13993

Re: Just Ordered Peloton Bike

Thank you for your order!!!!
by tesuzuki2002
Fri Sep 04, 2020 12:01 pm
Forum: Personal Investments
Topic: Time to buy Tesla?
Replies: 61
Views: 8782

Re: Time to buy Tesla?

I hear chatter from a lot of people who are buying into the split. The ride to $2000 was fun, I'm cashing out on Monday. I may keep a single share just because. A single share pre or post split? either way.. congrats... I too have started selling and have been selling a lot of others... Tech has ju...
by tesuzuki2002
Fri Sep 04, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Credit Card Charge Dispute Who Generally Prevails?
Replies: 51
Views: 3664

Re: Credit Card Charge Dispute Who Generally Prevails?

When one disputes a charge on a credit card for a product that was unsatisfactory (and the merchant doesn't return calls/emails and doesn't fulfill 100% money back guarantee) who generally prevails in these disputes--the customer or merchant? If the Merchant doesn't return calls... you basically ge...
by tesuzuki2002
Sat Aug 22, 2020 7:44 pm
Forum: Personal Investments
Topic: Went to Cash. Regret it. Now what?
Replies: 56
Views: 5576

Re: Went to Cash. Regret it. Now what?

Really? with retirement investments?? That was dumb. Those are so long term this has Absolutely Not effect on them... If you are doing some short term with a trading account then yes it makes sense... I have a small $50K trading account I play with and I have had complete turn over in the last 6 mon...
by tesuzuki2002
Sat Aug 22, 2020 6:25 pm
Forum: Personal Investments
Topic: When do you take profits and what do you do with them?
Replies: 35
Views: 2501

Re: When do you take profits and what do you do with them?

I purchased several best down stocks in March and Most have gains between 3-400%. They are all on my sell list at markets are reaching all time highs in some areas.. It's hard to tell if this is a good decision or not by considering the price in isolation of a company's fundamental performance and ...
by tesuzuki2002
Sat Aug 22, 2020 6:21 pm
Forum: Personal Investments
Topic: When do you take profits and what do you do with them?
Replies: 35
Views: 2501

Re: When do you take profits and what do you do with them?

When I have a gain of more than 100% in a less than 6 month period, I’ll accept the tax hit and take the gains. That's Quite Acceptable!!! I also take significant and\or unexpected WindFalls (before they go away) But I do dislike having to roll those into income... but a win is a win! Even it if ha...
by tesuzuki2002
Sat Aug 22, 2020 6:20 pm
Forum: Personal Investments
Topic: Time to buy Tesla?
Replies: 61
Views: 8782

Re: Time to buy Tesla?

I hear chatter from a lot of people who are buying into the split. The ride to $2000 was fun, I'm cashing out on Monday. I may keep a single share just because. A single share pre or post split? either way.. congrats... I too have started selling and have been selling a lot of others... Tech has ju...
by tesuzuki2002
Sat Aug 22, 2020 6:17 pm
Forum: Personal Investments
Topic: Time to buy Tesla?
Replies: 61
Views: 8782

Re: Time to buy Tesla?

annu wrote: Fri Feb 07, 2020 3:16 am I predict SPCE will be next one to go insane like TSLA
keep and eye on it... as commercial service operations approach...
by tesuzuki2002
Fri Aug 21, 2020 10:24 am
Forum: Personal Investments
Topic: When do you take profits and what do you do with them?
Replies: 35
Views: 2501

Re: When do you take profits and what do you do with them?

Never ever pay short term capital gain taxes on your “profits”. I used to stick to that rule, but I have created an exception to it. When I have a gain of more than 100% in a less than 6 month period, I’ll accept the tax hit and take the gains. I purchased several best down stocks in March and Most...
by tesuzuki2002
Fri Aug 21, 2020 1:05 am
Forum: Personal Investments
Topic: Did I Pay Too Much For VOO
Replies: 27
Views: 2749

Re: Did I Pay Too Much For VOO

Hello Everyone, First time poster. I am a new investor. I have a TD Ameritrade account and today before the market opened I placed a buy order at market for shares of VOO and the order filled and the cost was 311.59. But VOO opened at 308.38. My question is: Why did it cost me $3.21 more. Did I get...
by tesuzuki2002
Wed Aug 19, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Horror Story: Is this right?
Replies: 107
Views: 7993

Re: Ally Bank Horror Story: Is this right?

Here's the problem: He recently sat down to do his finances and wasn't sure whether he had cashed some of those checks ... from years ago. Yes that is a problem. He really should keep up on his finances. I worked for 2 lawn and landscape small businesses growing up... their finances were a complete...
by tesuzuki2002
Wed Aug 19, 2020 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Converting Hobby to Side Business Advice
Replies: 9
Views: 1172

Re: Converting Hobby to Side Business Advice

Thank you for your response. I plan to use TurboTax. I have used TurboTax for personal filings in the past. I am trying to capture everything I can from a tracking/filing perspective. Can expenses that occurred prior to the creation of the LLC be associated with the company? For example, if I drove...
by tesuzuki2002
Wed Aug 19, 2020 1:06 am
Forum: Personal Investments
Topic: Really dumb Question - what does saving x% mean?
Replies: 21
Views: 2056

Re: Really dumb Question - what does saving x% mean?

The rule of thumb for this is X% of your gross income.... and the range as you pointed out is huge... 5%, 10%, 15%, 20%, 25%... Once you understand the math and your goals... that will give you an idea of where your savings rate needs to be... Everyone's answer is different.
by tesuzuki2002
Wed Aug 19, 2020 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Quick 401k limits question [Solo 401(K)]
Replies: 8
Views: 520

Re: Quick 401k limits question [Solo 401(K)]

On $100k net income I get a total $38,087 contribution (including both the employee and employer contributions: Step 1 Net profit $100,000.00 Step 2 SE Tax deduction $7,065.00 Step 3: Net Earnings (step 1 – 2) $92,935.00 Step 4: Reduced Contribution Rate 0.2 Step 5: Multiply Step 3 by step 4 $18,58...
by tesuzuki2002
Tue Aug 18, 2020 4:41 pm
Forum: Investing - Theory, News & General
Topic: When should one share financials with their children?
Replies: 205
Views: 13104

Re: When should one share financials with their children?

As a late 30-something with aging parents... I do wonder about their finances and how that may look when they pass... I'll have to deal with it at some point and I'd rather know going into it rather then just having it dumped in my lap. I've been a prudent planner and I myself am already well secure...
by tesuzuki2002
Tue Aug 18, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Car alarm, help me not to throw away money
Replies: 29
Views: 1585

Re: Car alarm, help me not to throw away money

Easy method, step 1: Install a switch hidden, but easily reachable. Step 2: Connect 2 wires to the switch and run them back, under the back seat. Step 3: Cut one of the fuel pump wires. Solder and shrink wrap the wires to the 2 sides of the wire you just cut. Now, when you leave the car, turn the s...
by tesuzuki2002
Tue Aug 18, 2020 2:57 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13759

Re: How much did you save?

Is hitting the 2 comma club considered winning? I'm honestly not sure. My investing career began in 2006 when I graduated college... I followed the norms at the time save up to the Match or 10% and you will be good to go... Fast forward to the 2008 crash... I saw a lot of things go down on paper.. b...
by tesuzuki2002
Tue Aug 18, 2020 12:33 am
Forum: Personal Consumer Issues
Topic: Car alarm, help me not to throw away money
Replies: 29
Views: 1585

Re: Car alarm, help me not to throw away money

I'd install an alarm with an ignition harness relay in it. Alarm goes off... it opens up all the ignition wires via inline relays... Car won't start until the alarm is disabled with the Key FOB once it goes off... This is what I put on my older jeep... and I park that thing anywhere and everywhere.
by tesuzuki2002
Tue Aug 18, 2020 12:29 am
Forum: Personal Consumer Issues
Topic: Car alarm, help me not to throw away money
Replies: 29
Views: 1585

Re: Car alarm, help me not to throw away money

Easy method, step 1: Install a switch hidden, but easily reachable. Step 2: Connect 2 wires to the switch and run them back, under the back seat. Step 3: Cut one of the fuel pump wires. Solder and shrink wrap the wires to the 2 sides of the wire you just cut. Now, when you leave the car, turn the s...
by tesuzuki2002
Tue Aug 18, 2020 12:10 am
Forum: Personal Investments
Topic: How to Update Cost Basis in brokerage account?
Replies: 9
Views: 679

Re: How to Update Cost Basis in brokerage account?

Since this is from 20 years ago... I would do some back of the napkin math and figure your cost basis on the grounds that this was as you said year end bonus so take the price of the stock on Dec 31st and use that.. or use an average of that price from December and January and subtract that as your ...
by tesuzuki2002
Mon Aug 17, 2020 11:29 pm
Forum: Personal Consumer Issues
Topic: I left my old cell phone in my trunk this summer. The phone works great but will not charge. I even tried a new
Replies: 21
Views: 1409

Re: I left my old cell phone in my trunk this summer. The phone works great but will not charge. I even tried a new

You could have had a capacitor get fried in the charging circuit. I go thru phones and electronics regularly dues to being exposed to 115+ degrees on a regular basis... I'm just thankful for factory warranty!
by tesuzuki2002
Mon Aug 17, 2020 7:11 pm
Forum: Personal Investments
Topic: Any downsides of not having a taxable account and spending the extra money instead?
Replies: 25
Views: 3376

Re: Any downsides of not having a taxable account and spending the extra money instead?

It would seem to me that your retirement is basically all set even if you don't contribute any more to those accounts, and as you mentioned you will keep maxing those out... I would take 10-15% of what you have left over... 10-15% of your available spending cash and invest it into a brokerage accoun...
by tesuzuki2002
Sun Aug 16, 2020 12:55 am
Forum: Personal Finance (Not Investing)
Topic: How much house to buy in Seattle?
Replies: 30
Views: 3057

Re: How much house to buy in Seattle?

Wait a couple of years.. that $1.2 Million dollar house might be going to $900K. Much of the big cities have experiences on average a 4.9% decrease in property values not since COVID, but in the last 12 months.. so that trend started before COVID. I'm on the other side of that as you could not convi...
by tesuzuki2002
Tue Aug 11, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Any Tips for "Splitting" Finances in Married Couples?
Replies: 32
Views: 3271

Re: Any Tips for "Splitting" Finances in Married Couples?

the great news is you have had a joint account for 8 years.... so you should have a really good handle on what your monthly expenses are. This should be easy to set up different accounts to seperate things out and it is basic math to change up where money is going so you end up with the following. -...
by tesuzuki2002
Wed Aug 05, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 175
Views: 15238

Re: What happens if you run out of money in retirement?

livesoft wrote: Tue Aug 04, 2020 11:25 am I'd move in with my one of my girlfriends.
+1 Maybe move in with a couple as to not overstay your welcome... rotate every 3 days.
by tesuzuki2002
Wed Aug 05, 2020 9:30 am
Forum: Personal Investments
Topic: Fidelity HSA California strategy
Replies: 31
Views: 2986

Re: Fidelity HSA California strategy

I'll still have to pay state taxes at withdrawal but maybe by that point I won't be living in California. I'm using my HSA as another retirement account and reducing my federal income allows me to continue to be eligible for a Roth IRA (barely). By Roth IRA eligibility you are referring to being ov...
by tesuzuki2002
Wed Aug 05, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: AAA auto renewal - when?
Replies: 9
Views: 333

Re: AAA auto renewal - when?

you can remove the auto renewal... They will send you a paper bill... don't pay it and it will cancel. I have not seen a way to do that, despite my many minutes of searching through screens. I don't want to automatically re-charge my credit card by mistakenly clicking on something. The renewal scre...
by tesuzuki2002
Wed Aug 05, 2020 9:17 am
Forum: Personal Investments
Topic: Should I max my 401K?
Replies: 22
Views: 1618

Re: Should I max my 401K?

I would funnel as much of you can into retirement marked accounts.
by tesuzuki2002
Wed Aug 05, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: AAA auto renewal - when?
Replies: 9
Views: 333

Re: AAA auto renewal - when?

you can remove the auto renewal... They will send you a paper bill... don't pay it and it will cancel.
by tesuzuki2002
Tue Aug 04, 2020 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: [401(k) provider changed funds without permission]
Replies: 16
Views: 793

Re: Schwab lost me thousands ... mostly venting, wondering if any recourse?

I immediately logged into the Schwab.com portal and opted out of this service. In cases where an email or snail mail does not get sent of this type of change, I always capture a screen shot for verification of said elections otherwise you don't have proof. When there are thousands of dollars on the...
by tesuzuki2002
Fri Jul 31, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: How long to keep a car
Replies: 110
Views: 8700

Re: How long to keep a car

Until the maintenance costs exceed what a new payment would be roughly.. ?

Unless there is sentimental value.

I have a 2003 jeep. Registration, Insurance, and Maintenance run me about $700 a year... I see no reason to get rid of it. The gas Mileage could be better, but it is a jeep.
by tesuzuki2002
Thu Jul 09, 2020 2:22 am
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 79
Views: 6598

Re: How would permanent WFH reshape Silicon Valley?

After 9/11 many things were never the same, eg air travel. I don’t know how things will be changed by the pandemic, but it will imo be on a much larger scale than 9/11. For example, commercial real estate will be forever different. +1 +2 This is going to have impacts to industries that have not eve...
by tesuzuki2002
Wed Jun 24, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Keep House and Rent Long Distance or Sell?
Replies: 16
Views: 1002

Re: Keep House and Rent Long Distance or Sell?

As a long distance landlord... that doesn't sound like a good return. I have a rental in the midwest with of value of around $190K and I collect $1600 in rent. (It is marginal, but I clear about $400 a month.) The mortgage will be paid off in 2.5 more years so I'll only be looking at taxes and maint...
by tesuzuki2002
Tue Jun 09, 2020 12:10 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey mentioned bogleheads today
Replies: 142
Views: 10054

Re: Dave Ramsey mentioned bogleheads today

I don't like to spend thousands and thousands on management fees... when essentially their management is setup on autopilot anyway.. So yeah.. I would go for Low ERs... when your assets are in the millions and you notice you are paying out $20 / 30 / $40,000 in ERs annually... You might start to fo...
by tesuzuki2002
Mon Jun 08, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey mentioned bogleheads today
Replies: 142
Views: 10054

Re: Dave Ramsey mentioned bogleheads today

I don't like to spend thousands and thousands on management fees... when essentially their management is setup on autopilot anyway.. So yeah.. I would go for Low ERs... when your assets are in the millions and you notice you are paying out $20 / 30 / $40,000 in ERs annually... You might start to fol...
by tesuzuki2002
Mon Jun 08, 2020 3:50 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1229
Views: 110582

Re: Well, I am market timing due to coronavirus... Wish me luck.

It was a Fun RIDE!!! gotta gamble a little sometimes.. I'm up a few percent from the high... i mad a few large deep swings that paid off well!!! and a couple that didn't! won more than I lost. Nothing wrong with setting aside a small percentage of money to gamble with. I love being in cryptocurrenc...