Search found 763 matches

by tesuzuki2002
Sat Sep 21, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rules around signing up for a business credit card?
Replies: 35
Views: 2528

Re: What are the rules around signing up for a business credit card?

I'm not sure I'd even use ethical in the same line as credit card. I go one step further. Not only do I not have ethical qualms about exploiting the credit card companies, I actually take great pleasure and satisfaction from it. In fact, my wife and I almost never actually pay for air travel, relyi...
by tesuzuki2002
Fri Sep 20, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fight with my insurance company for rear-end collision?
Replies: 24
Views: 1684

Re: Fight with my insurance company for rear-end collision?

Thanks! Yeah, that is my current feeling as well. It just felt unfair since he was a novice/provisional (vertical license) and distracted driver who stopped suddenly on green. Live and learn. Were you not paying attention to the car in front of you or were you just fixed on the green light at the i...
by tesuzuki2002
Fri Sep 20, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I see a fee-only financial advisor or keep DIY?
Replies: 20
Views: 1132

Re: Should I see a fee-only financial advisor or keep DIY?

Sounds like you have already evaluated much of the options and have several plans and ideas... just need to pick the ones you want and go with it. 3 years ago I chose Vanguard... I got almost everything moved over... but then I wanted to SOLO 401K I could roll money into... But I keep everything ali...
by tesuzuki2002
Thu Sep 19, 2019 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fight with my insurance company for rear-end collision?
Replies: 24
Views: 1684

Re: Fight with my insurance company for rear-end collision?

Thanks! Yeah, that is my current feeling as well. It just felt unfair since he was a novice/provisional (vertical license) and distracted driver who stopped suddenly on green. Live and learn. Were you not paying attention to the car in front of you or were you just fixed on the green light at the i...
by tesuzuki2002
Thu Sep 19, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2234

Re: Blue Apron for a sick friend?

I wish I could remember the name but there is a meal delivery service that is basically a glorified microwave dinner service. I think that would be a better option than something they have to do. Personally I think Blue Apron is the absolute worst—you have to chop 100 different vegetables, dirty ev...
by tesuzuki2002
Thu Sep 19, 2019 12:39 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8565

Re: Do You Tip At Counter Service Restaurants?

Nicolas wrote:
Sun Sep 15, 2019 2:22 pm
ssquared87 wrote:
Sun Sep 15, 2019 12:47 pm
I just click $0. I feel no shame
Me too.
#METOO
by tesuzuki2002
Wed Sep 18, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 4766

Re: $2k repairs on $12K car

*** We live in a VHCOL area. The larger expense items are: Labor: Front Disc Brake Service $125 Rear Disc Brake Service $125 Brake Fluid Flush $75 Flush Transmission $125 Differential front service $38 Differential rear service $38 Replace battery $20 Pats: Battery $140 Front Brake Pads $140 Brake ...
by tesuzuki2002
Wed Sep 18, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 229
Views: 19705

Re: Paying "early" on mortgage may be unwise

all depends... I'm 37... at the current minimum the mortgage will pay off in 26 months... I still pay a little extra on occasion.. could work that down to 24 months... either way.... my mortgage will be gone before 40....

That's going to be cool to have no actual payments other than taxes..
by tesuzuki2002
Wed Sep 18, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Oil and Gas?
Replies: 38
Views: 2929

Re: Bogleheads in Oil and Gas?

whodidntante wrote:
Tue Sep 17, 2019 11:38 pm
The squirrel who can sense the coming winter saves his nuts.

:sharebeer
by tesuzuki2002
Wed Sep 18, 2019 5:10 pm
Forum: Personal Investments
Topic: 1Mil$ Dollar-Cost Averaging is a strategy
Replies: 48
Views: 2644

Re: 1Mil$ Dollar-Cost Averaging is a strategy

I would make the DCA as short as possible, but no more than 10 months. So 50% now, and then 5% of total per month for the next 10 months UNLESS the stock market has a really bad day (RBD). If stock market has a RBD, then I would invest another 5% near the end of that day or the next day thus reduci...
by tesuzuki2002
Mon Sep 16, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Trust or Will - Single never married
Replies: 21
Views: 1907

Re: Trust or Will - Single never married

I know every state has specifics, but as I have contemplated the same question for a while now.. the advise I have been given has been on the order of go with a Will until till you have an estate over $5 Million an then open a trust if you want at that point. I have a child in another state and I'm ...
by tesuzuki2002
Mon Sep 16, 2019 2:59 pm
Forum: Personal Investments
Topic: Average 401k rollover time (by direct check).
Replies: 6
Views: 380

Re: Average 401k rollover time (by direct check).

In your experience how long does a typical 401k rollover take from the moment the check is mailed to the moment money deposits into the new 401k? probably a good time to roll out!!! With any luck the market will be down 2-4% next month when you get your check and you can put it back in and buy more...
by tesuzuki2002
Fri Sep 13, 2019 2:03 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 31
Views: 2284

Re: Best Triathlon Bike?

I have an entry-level Felt S25 that is over 10 years old. Looking for a fast, comfortable bike for 70.3 or full IMs. My coach says Cervelo is the way to go but I have no experience with that. I like Shimano components. Already have good race wheels. Do not want to break the bank here, I am a BH tri...
by tesuzuki2002
Fri Sep 13, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 31
Views: 2284

Re: Best Triathlon Bike?

I have an entry-level Felt S25 that is over 10 years old. Looking for a fast, comfortable bike for 70.3 or full IMs. My coach says Cervelo is the way to go but I have no experience with that. I like Shimano components. Already have good race wheels. Do not want to break the bank here, I am a BH tri...
by tesuzuki2002
Thu Sep 12, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting a lay off w/ severance - next steps?
Replies: 16
Views: 2794

Re: Expecting a lay off w/ severance - next steps?

Have a fun party for a couple of month's!! completely agree with the resume update and getting yourself out there... that stuff typically takes a few months to get the balls rolling... ocme back after the party and buckle do with really looking for what you want! take the interview trips and enjoy t...
by tesuzuki2002
Thu Sep 12, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refi - pull cash out?
Replies: 25
Views: 1903

Re: Mortgage refi - pull cash out?

No desire to just live in a paid off house and invest like crazy??

just curious...
by tesuzuki2002
Thu Sep 12, 2019 5:43 pm
Forum: Personal Investments
Topic: Using "dry powder" to buy the dips for a mostly buy-and-holder
Replies: 17
Views: 2850

Re: Using "dry powder" to buy the dips for a mostly buy-and-holder

Hello. I am wanting to be a generally buy-and-holder with a diversified portfolio of Equity ETFs- large cap growth, large cap blend, small cap value, small cap blend, some REIT, international including emerging markets in addition to bonds. I would like to have some "dry powder" for bear markets an...
by tesuzuki2002
Thu Sep 12, 2019 5:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 51
Views: 8208

Re: Vanguard Flagship Services -- Another One Bites the Dust

I thought this concern was noted a couple of months back in another post with a similar experience that a CSR indicated a moves towards the service going away.., No?
by tesuzuki2002
Thu Sep 12, 2019 5:29 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9264

Re: Too Late To Get Back Into Stocks?

I'm hoping for DOW 20K and S&P 2K so I can buy lower... I enjoy the volatility and bought a bunch down at 26K and I've scaled back buying again since we are nearing an all time high again.. I assume I'll get in lower in the future with the volatility. get in and stay in, adjust you AA as you need t...
by tesuzuki2002
Thu Sep 12, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Understand 401k Match
Replies: 16
Views: 1420

Re: Help Me Understand 401k Match

I think it's worded poorly. I would think they match 25% of your contribution, but you must contribute at last 4% to trigger any match. They will contribute up to a max of 4%. I understand it as: You contribute 3.5% Company contributes: 0 You contribute 4% Company contributes: 1% You contribute 16%...
by tesuzuki2002
Thu Sep 12, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Understand 401k Match
Replies: 16
Views: 1420

Re: Help Me Understand 401k Match

jbk wrote:
Thu Sep 12, 2019 11:14 am
An employer's 401k brochure says that the employee must contribute 4% to receive a 1% match of .25% for every 1% the employee contributes to a max of 4%.

Huh?

Thanks for any help deciphering this.
simply it makes sense! read it over a few more times until it sticks with you.
:sharebeer
by tesuzuki2002
Thu Sep 12, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How many years for each $250k of net worth?
Replies: 36
Views: 6020

Re: How many years for each $250k of net worth?

Is there a way to rough estimate how many years it takes to reach each $250k of net worth. Surely it gets shorter for each new set of 250 because of compound interest (snowball effect). It took me 7 years of full time work to hit the first 250k. Can I estimate like 5 years for the next $250k, and t...
by tesuzuki2002
Thu Sep 12, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4252

Re: [Buying 1/2 pint milk in bulk for school lunches?]

Shelf life is usually an issue with these... on the order a week... if that...
by tesuzuki2002
Thu Sep 12, 2019 4:17 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9264

Re: Too Late To Get Back Into Stocks?

Retiredat57 wrote:
Wed Sep 11, 2019 8:48 pm
bradinsky wrote:
Wed Sep 11, 2019 8:32 pm
OP,
If you haven’t see this before, check this out.
https://awealthofcommonsense.com/2014/0 ... ket-timer/
Thanks, very on point.
:oops:
by tesuzuki2002
Thu Sep 12, 2019 4:09 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9264

Re: Too Late To Get Back Into Stocks?

Last month, after one too many tweets that costing me at closing time, I decided to bail out of stocks just above DOW 26,000, at least until this trade war gets settled. Now that the Dow is above 27,000 and very close to the 52-week high I'm not too keen on testing my luck and the market's ability ...
by tesuzuki2002
Thu Sep 12, 2019 2:53 pm
Forum: Personal Investments
Topic: undervalued in the current crazy market
Replies: 19
Views: 1633

Re: undervalued in the current crazy market

whodidntante wrote:
Thu Sep 12, 2019 11:53 am
What crazy market? The stock market always seems risky and always is risky.

I think 100% bonds is fine if you have 2-3x more money than you will ever need. Even then, it's not ideal.
:sharebeer
by tesuzuki2002
Tue Sep 10, 2019 3:58 pm
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1386

Re: Tool to manage AA when investing?

I know you said you wanted to avoid excel, but I also use excel. One Christmas break I sat down in front of the TV with my laptop and created a spreadsheet to manage my AA. I have been using the same spreadsheet for years now. I just manually enter my holdings, and the spreadsheet tells me what to ...
by tesuzuki2002
Tue Sep 10, 2019 3:57 pm
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1386

Re: Tool to manage AA when investing?

Phineas J. Whoopee wrote:
Tue Sep 10, 2019 12:57 pm
HP-12C. Add 'em up then divide 'em.
PJW


:sharebeer :sharebeer
by tesuzuki2002
Tue Sep 10, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5036

Re: Can this girl "go wild?"

HomerJ wrote:
Tue Sep 10, 2019 12:43 pm
Heh, nothing like a "girl gone wild" thread started by someone named grandma cassie :)
I think there are many on the forum who would like to see grandma Cassie full up Gone Wild!!!


Sounds like a lot saved... Spend some of it!!!
by tesuzuki2002
Thu Aug 29, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone pay bills with cashback debit card?
Replies: 4
Views: 440

Re: Anyone pay bills with cashback debit card?

Is it really debit?? I’ve never seen a bill that couldn’t be paid on credit ... but could via debit.
by tesuzuki2002
Wed Aug 28, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Passport Photos
Replies: 27
Views: 2019

Re: Passport Photos

Walmart here in NJ is half the price of CVS and Walgreens Pharmacies About $7.50 per person for 2 photos I took a photo with my iPhone and uploaded pics to Riteaid. You can to a small sheet with 4 prints on it. 2"x3" you trim the top 1" off to get the 2x2. I got my passport and international driver...
by tesuzuki2002
Wed Aug 28, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: MIL's condo flooded due to building water heater
Replies: 6
Views: 698

Re: MIL's condo flooded due to building water heater

My MIL's condo flooded and they're making repairs to common areas now. Apparently her washer got flooded as well (no idea how that happened). Anyway, the HOA is going to cover the all repairs, but not any of the property that got damaged. She has some furniture that needs to be replaced as well. Th...
by tesuzuki2002
Sun Aug 25, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 619
Views: 59165

Re: Why are you NOT buying rental properties?

Here are two scenarios (I am simplifying them to make a point on leverage): (1) Put $80 k in RE ETF. Let’s assume you make 8% per year (after fees). After 9 years, your money would double to $160 k and after 18 years, your money would double again to $320 k. (2) Put $80 k (20% down payment) on $400...
by tesuzuki2002
Sat Aug 24, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: Is the S&P 500 good enough?
Replies: 48
Views: 5928

Re: Is the S&P 500 good enough?

Yes good enough!! You can blend in your other options in a taxable to round out your portfolio!
by tesuzuki2002
Fri Aug 23, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Mortgage extra payment applied in error
Replies: 24
Views: 1697

Re: Mortgage extra payment applied in error

I’ve never had an issue getting mortgage payments adjusted and reapplied how they should have been. I currently hold a small mortgage with Caliber Home loans. They screw up applying payments properly about 8 times a years.... they correct them.. but that place has some serious issues with employee ...
by tesuzuki2002
Fri Aug 23, 2019 5:46 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 253
Views: 26266

Re: Small Cap Value heads Rejoice !!!

hdas wrote:
Fri Aug 23, 2019 4:37 pm
Your weekly reminder of the awfulness of VFVA...down 3.66% today. Cheers :greedy
:sharebeer
by tesuzuki2002
Fri Aug 23, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: iphone battery issue?
Replies: 32
Views: 1538

Re: iphone battery issue?

Charging the phone now, it is warm. When I turn wifi on it got warmer within a few seconds, confirmed with someone else. Should I be worried? Should I do anything else? I've experienced similar on a few Iphone models... I got mine warrantied out due to bad hardware... just recently got new phone ou...
by tesuzuki2002
Fri Aug 23, 2019 1:05 am
Forum: Personal Consumer Issues
Topic: Mortgage extra payment applied in error
Replies: 24
Views: 1697

Re: Mortgage extra payment applied in error

A relative made a large payment on their 30 yr mortgage, but the extra was applied to future payments instead of principal. They are going to call tomorrow to try to see if they will apply it to principal as it should have been. Have others found the mortgage co will do this easily or will they nee...
by tesuzuki2002
Thu Aug 22, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Sedona and ________ trip In February with 3 and 5 year old
Replies: 12
Views: 872

Re: Sedona and ________ trip In February with 3 and 5 year old

Prescott is cool!!! Arizona snowbowl!! Sunset Crater!! Dark Sky Brewing!!
by tesuzuki2002
Thu Aug 22, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Multi Streams of Income to Build Wealth?
Replies: 44
Views: 2634

Re: Multi Streams of Income to Build Wealth?

I’ve read that it is important to have multiple streams of income to aid in becoming wealthy. So bogleheads what are some of your income sources? Is it necessary to have multiple streams or is my megacorp salary enough to become wealthy? 1. Megacorp 2. Real estate (Land-lording) 3. Event Manager (A...
by tesuzuki2002
Thu Aug 22, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: Boglehead’s Vanguard Dogma
Replies: 31
Views: 2992

Re: Boglehead’s Vanguard Dogma

If I were in your case I would find the best funds available at Schwab.... when you leave you can roll it over to Vanguard...

If you really want to stick with VG... can you space out the purchase to once a month or quarterly to reduce fees.
by tesuzuki2002
Tue Aug 20, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7047

Re: Are there advantages to being married to a teacher?

The pay is not great so you really have to work smartly to not find yourself making effectively minimum wage . The level of public school teacher compensation, in my opinion, varies greatly in different jurisdictions. One measure, in my opinion, of such teacher compensation, is how many applicants ...
by tesuzuki2002
Tue Aug 20, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7047

Re: Are there advantages to being married to a teacher?

just curious if anyone knows of any advantages to having a teacher for a spouse. i would say the insurance, time off and pension are benefits. any others that i am missing. i've read some folks were able to take more risks in their career knowing their spouse had a steady and, depending on region, ...
by tesuzuki2002
Tue Aug 20, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 73
Views: 6775

Re: Recommendations for home paper shredder

ClevrChico wrote:
Sat Jan 14, 2017 10:52 am
I had a somewhat pricey home shredder that broke too soon. I didn't want to waste money on another one, so I changed most everything to electronic, and periodically burn the remainder on my BBQ grill. :D
I have cookouts and backyard camp fires several times of year!!!

:sharebeer
by tesuzuki2002
Tue Aug 20, 2019 7:12 pm
Forum: Personal Investments
Topic: Fisher Investment solicitation
Replies: 27
Views: 2421

Re: Fisher Investment solicitation

I keep getting letters from this Fisher VP, stating the following. "Passive investment strategies NEVER outperform the markets and fail due to investor behavior of not doing was is needed and staying invested over decades even when markets go down significantly. Passive strategies do not offer a de...
by tesuzuki2002
Tue Aug 20, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 18554

Re: Do you buy new or used cars?

I buy used... ALWAYS... I would buy used and take the savings and turn it in a vacation or road trip!!!
by tesuzuki2002
Tue Aug 20, 2019 4:57 pm
Forum: Personal Investments
Topic: Seeking Lower Expense Ratios in a 401K
Replies: 7
Views: 461

Re: Seeking Lower Expense Ratios in a 401K

your plan sounds good to me!!! Are you keeping it open for a specific reason to have the 401K vs. an IRA? If not I would roll it over.. but the 401K provides different benefits...
by tesuzuki2002
Tue Aug 20, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: reactivating credit card
Replies: 13
Views: 763

Re: reactivating credit card

Do your credit score matter that much?
by tesuzuki2002
Tue Aug 20, 2019 2:42 pm
Forum: Personal Investments
Topic: Anyone else more aggressive in retirement than required?
Replies: 52
Views: 4267

Re: Anyone else more aggressive in retirement than required?

I'm currently 90/10 and about 3 years from retirement. I'm trying to decide whether or not to transition towards 70/30 as retirement approaches and then hold that for 5 to 10 years into retirement to guard against sequence or returns risk and then trend back to 90/10 after that (bond tent). My othe...