Search found 522 matches

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: 54975

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: 51
Views: 4118

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: 551

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: 281

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: 97
Views: 4673

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: 551

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: 4353

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: 4299

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: 4299

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: 1363

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: 653

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: 1227

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: 1594

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: 1472

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: 25190

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: 2350

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: 870

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: 5956

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: 7831

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: 7831

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: 3358

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: 3759
Views: 1067881

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: 5131

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: 1417

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: 15520

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: 104
Views: 11539

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: 371

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: 7555

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: 7252

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: 7631

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: 15520

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: 1751

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: 2028

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: 2028

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: 726

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...
by tesuzuki2002
Wed Sep 19, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller interview: "Market could get a lot higher"
Replies: 28
Views: 4633

Re: Robert Shiller interview: "Market could get a lot higher"

I heard him on YouTube the other day, and the main point he made regarding this, was that in 1996 pundits were saying we've had the longest bull run ever in history and it was about to crash and then the bull run continued for another 4 years. He also mentioned that the various ratios/markers are v...
by tesuzuki2002
Wed Sep 19, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Battery backup sump pump recommended?
Replies: 11
Views: 726

Re: Battery backup sump pump recommended?

For backup sump pumps, I like the ones powered by water pressure. Liberty Pumps makes some that are simple and can be installed to automatically operate if the main sump pump doesn't work for some reason. I read about these options. It was new to me but seemed pretty cool. I might eventually conver...
by tesuzuki2002
Wed Sep 19, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Battery backup sump pump recommended?
Replies: 11
Views: 726

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...
by tesuzuki2002
Mon Sep 17, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Flights
Replies: 23
Views: 2302

Re: Cheap Flights

Hi Boggleheads, I'm doing some research on the cheapest flight to visit my family over Christmas. What websites do yall recommend? There are so many website out there (expedia, cheapflights, travelocity, kayak, orbitz, etc) and it's hard to weed through the junk. Also, after having done some resear...
by tesuzuki2002
Mon Sep 17, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6923

Re: Is there such thing as saving TOO much?

You can probably afford haircuts. Can afford .... yes most certainly... but when you keep a simple cut... why pay someone $25 to cut it... I have a pair of trimmers I bought over a decade ago for $29... I've cut my hair for many many years.. plus it's just easier... than making an apt and going the...
by tesuzuki2002
Mon Sep 17, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10175

Re: Side Hustle Options/Suggestions.

what city do you live in? do they have Bird (or Lime) scooters? I recently signed up to be a "charger" and joined a massive FB group for Bird Chargers...there are dozens and dozens of posts daily with incredible data... this is done after 9pm and they have to be dropped back out (after charging to ...
by tesuzuki2002
Sat Sep 15, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why is an EIN needed for i401k?
Replies: 10
Views: 1097

Re: does LLC need new EIN after revoking S Corp election?

Bumping old Topic so that hopefully I won't need to start a new one, I have an LLC that elected S Corp taxation. The LLC has it's own EIN. I'm considering revoking the S Corp election by Dec 31 and on Jan 1 continuing doing business in the name of the same LLC as a disregarded entity. I'd like for ...
by tesuzuki2002
Sat Sep 15, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4381

Re: I need a chainsaw to trim branches and limbs!!

:sharebeer :sharebeer This is what I do. I don't even like to watch the pros with chain saws and wood chippers. Saws and Wood chippers are awesome!!! They are indeed. What's even more awesome is a semi-trailer unit with integral conveyor belt and large diesel engine which grinds up four-foot wide ma...
by tesuzuki2002
Sat Sep 15, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5163

Re: The twenty dollar rule revisited

pondering wrote:
Sat Sep 15, 2018 11:45 am
So getting constructive feedback on the Internet is a problem?
:sharebeer :sharebeer :sharebeer :sharebeer :sharebeer :sharebeer
by tesuzuki2002
Fri Sep 14, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle: Investors should 'always be in' the stock market"
Replies: 8
Views: 2729

Re: "Jack Bogle: Investors should 'always be in' the stock market"

I "should have" really bought a lot more stock funds when my investments dropped in 2008 or so. I didn't back up the truck and buy more because they were on sale but I didn't make the mistake mentioned in the article about dumping stocks when they were significantly down. They have roared back with...
by tesuzuki2002
Fri Sep 14, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why is an EIN needed for i401k?
Replies: 10
Views: 1097

Re: Why is an EIN needed for i401k?

Hello all, I am considering rolling an old 401k into an i401k to create a more clean separation from my former company (of which I was a partner), which frankly had a rough exit. They are asking/pressuring me to roll into an IRA and I have explained that I do a BD Roth IRA and therefore could not, ...
by tesuzuki2002
Fri Sep 14, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Over Contribution on 401k
Replies: 5
Views: 687

Re: Over Contribution on 401k

boxerbali wrote:
Fri Sep 14, 2018 12:44 pm
PFInterest wrote:
Fri Sep 14, 2018 7:25 am
gotta get it out.
How ?
Contact one of the servicers and let them know you over contributed and you need to pull out $1K worth of contribution from the previous year.

You'll pay for Gains and will probably need to file amended tax return when you get it done.
by tesuzuki2002
Fri Sep 14, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Using 401k loans to max tax advantaged accounts early in career
Replies: 29
Views: 1960

Re: Using 401k loans to max tax advantaged accounts early in career

So I just had an idea and want to float it so you all can poke holes in it before I get carried away implementing something that comes back to bite me. Say I have a 401k that allows loans, and I am not currently maxing contributions but expect income to increase over the next few years such that I ...
by tesuzuki2002
Fri Sep 14, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX and VTMSX in taxable
Replies: 12
Views: 1561

Re: VTSAX and VTMSX in taxable

The Wizard wrote:
Fri Sep 14, 2018 4:23 pm
If you are trying to get a small cap tilt, then that's an absolutely fine way to do it in your taxable account...
+1