Search found 586 matches

by tesuzuki2002
Mon Jun 17, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 2868

Re: Doing Your Own Taxes

I have always been doing my tax return by hand, even with SE, HSA, multiple 1099s, Child care credits, rollover 401Ks, etc etc. Never once I used tax software or pay anybody. Same with me. I’ve done my taxes by hand for 40 years. Some people would call me a Luddite for not adopting technology. But ...
by tesuzuki2002
Mon Jun 17, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 2868

Re: Doing Your Own Taxes

A good way is to use tax prep software along with reading all the IRS forms AND their instrucitons. Forms and Instructions are free at IRS.gov. You can get a copy of tax prep software pretty cheaply and re-do your 2019 2018 taxes that cost you $350 and compare your results. I suggest tax prep softw...
by tesuzuki2002
Thu Jun 13, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10644

Re: Retired at 35 and have no friends :(

What are your passions?? Build something useful for the rest of the world... I think not having a passion is part of the problem. With no passion guiding me, I focused, above all else, on accumulating enough to retiring early. Now that I have more free time, I'm trying to do more of what I enjoy. I...
by tesuzuki2002
Thu Jun 13, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10644

Re: Retired at 35 and have no friends :(

What are your passions?? Build something useful for the rest of the world...
by tesuzuki2002
Thu Jun 13, 2019 5:38 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 305
Views: 34663

Re: How Bad was 2008, really?

Full disclosure, I was too young to be invested during the financial crisis. That being said, I'm having trouble understanding how bad it was. I hear about these bear markets (tech bubble, financial crisis, etc). All I see is a sharp decline, and then everything is gained back a couple years later....
by tesuzuki2002
Tue Jun 11, 2019 7:43 pm
Forum: Investing - Theory, News & General
Topic: Best day of the month to invest?
Replies: 41
Views: 4459

Re: Best day of the month to invest?

invest everyday of the month!!
by tesuzuki2002
Tue Jun 11, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: How are your 30s financially different than your late 20s?
Replies: 47
Views: 5591

Re: How are your 30s financially different than your late 20s?

Yes, every things gets a little more expensive... kids, utilities, fun, food, housing, transportation... I invested a lot in my 20s... so my investments make almost as much as I do.... It's like have 2 incomes now... Keep your savings rate as high as you can for as long as you can... you won't be up...
by tesuzuki2002
Tue Jun 11, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 50
Views: 2403

Re: Passport photos cheap

yes. I did mine a few months back... A white wall and nice shirt and a iphone. $0.24 cents at CVS. I got my new passport last month.
by tesuzuki2002
Tue Jun 11, 2019 7:32 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying Beyond Meat stock?
Replies: 35
Views: 2772

Re: Anyone buying Beyond Meat stock?

BWildt wrote:
Tue Jun 11, 2019 9:36 am
Anyone? :D

Yes, on the IPO. Sold it already though!! that was Fun.
by tesuzuki2002
Tue Jun 11, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3363

Re: Sports classes in Universities

These type of classes were required for my BS in engineering in Michigan.... Rather than pay the high tuition cost for PE classes at university... I took those classes at a local community college that offered hiking and back packing environmental science classes that would transfer to the universit...
by tesuzuki2002
Mon Jun 10, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2008

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

Once you clear out of LA you will be fine... which isn't a big deal! the Drive is great! I just spent last week down along the 8 in Jacumba, Octillo, El Centro.. and interesting part of the desert!!!

The El Cajon Mountains are neat!

Not sure how much fun a 3 year old will have out there..
by tesuzuki2002
Mon Jun 10, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17502

Re: Are You Dumping Netflix?

I dumped Netflix YEARs ago!
by tesuzuki2002
Thu Jun 06, 2019 5:40 pm
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 113
Views: 9302

Re: why are Small Caps falling?

Just curious as to why Small Caps are falling when the rest of the market is going up? The factors that are favorable to Small Caps are in the news: - Expectation of a rate cut which is hugely favorable to Small Caps - Trade war fears also favor Small Caps as they are somewhat insulated (not fully ...
by tesuzuki2002
Wed Jun 05, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 8966

Re: Low ball offer to buy my useless land, take it or leave it?

surfstar wrote:
Wed Jun 05, 2019 4:45 pm
Hold out for a solar project to be developed on / nearby and maybe you'll get a bit more $$
Berkshire is already several steps ahead of purchasing and leasing back all that land to the Solar and Wind farms... Been happening for over a decade.
by tesuzuki2002
Wed Jun 05, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 8966

Re: Low ball offer to buy my useless land, take it or leave it?

Hi there, I have several pieces of desert land in Kern County CA, near California city and Mojave. A couple of months ago I received an offer to purchase one of my 5 pieces of land for about 1100 dollars and I accepted the offer but the company did not proceed with the purchase. I bought them for 7...
by tesuzuki2002
Wed Jun 05, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4873

Re: Gillette Fusion razors

safety razor all the way!!! dirt cheap.
by tesuzuki2002
Wed Jun 05, 2019 4:14 pm
Forum: Personal Investments
Topic: How am I doing? (26yo)
Replies: 19
Views: 1810

Re: How am I doing? (26yo)

I save around 55% and spend everything else... It's worked for me. It really depends on what your goals are. I simply don't need to spend more then 45% of my income to live and enjoy life... so why blow away the rest? Save and Invest for the future. Do you live in NY too? Where? No, Southern Califo...
by tesuzuki2002
Wed Jun 05, 2019 3:29 pm
Forum: Personal Investments
Topic: How am I doing? (26yo)
Replies: 19
Views: 1810

Re: How am I doing? (26yo)

I save around 55% and spend everything else... It's worked for me. It really depends on what your goals are. I simply don't need to spend more then 45% of my income to live and enjoy life... so why blow away the rest?

Save and Invest for the future.
by tesuzuki2002
Tue Jun 04, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3689

Re: Havasupai, Have a Sticker Shock

I say there are plenty of other places to go for practically free out in the west!!!

They are making bank because that place is all the hype these days!
by tesuzuki2002
Wed May 15, 2019 11:10 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7342

Re: Dividends almost Doubled between 2013 and now

Shsssh! Don't tell anyone. Besides, being a fan a dividends here is heresy. It's not that people here don't like dividends, they just realize that they are nothing more than taking a couple bucks out of your right pocket and putting it in your left pocket (and possibly paying taxes on it). Great An...
by tesuzuki2002
Tue May 14, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6265

Re: I accidentally retired, and need tax advice

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

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

:oops: :oops:
by tesuzuki2002
Wed May 08, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on 401k match for over-contributing
Replies: 49
Views: 5484

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

I over-contribute to my 401k. Have been doing so for about a decade now!! This means I am done with my 401k contribution limit (18.5k last year, 19k this year) by sometime around September, and then I get big, fat paychecks for last 3 months of the year. I got down to doing some actual spreadsheet ...
by tesuzuki2002
Mon May 06, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 4023

Re: Educational pathway(s) for future engineer

I'd go for a co-op or intern option.... the connections and work experience are a huge plus... I was making $43/hr as a co-op / intern during finishing up my engineering degree. I took a light credit load and worked a lot that year... could have finished over the summer, but I like the work experien...
by tesuzuki2002
Mon May 06, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Car loan dilemma
Replies: 34
Views: 2850

Re: Car loan dilemma

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



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


Thanks!
Vinny

You have options. Plan B.2 could be to make extra $2.5k payments and invest the other $2.5k so you get a mix of both.
by tesuzuki2002
Thu May 02, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Getting Laid off
Replies: 34
Views: 4586

Re: Need Advice - Getting Laid off

Thanks to everyone providing feedback! I really appreciate the perspective. My boss and his boss are actually on my side on this. So there wouldn't be any laughing out of their respective office. I am still employed and I could take the time now however it would prevent me from doing the important ...
by tesuzuki2002
Thu May 02, 2019 4:44 pm
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 84
Views: 7316

Re: Close Vanguard and go all in with Fidelity?

I wanted to ask for the forums opinions on this matter: I now have accounts at Fidelity and Vanguard. I have approx. $350,000 in various accounts. $200,00 in a professionally managed account. I also have $185,000 in Vanguard accounts VTIAX, VTSAX and VWITX. I have found that It is much easier for m...
by tesuzuki2002
Thu May 02, 2019 4:37 pm
Forum: Personal Investments
Topic: Intel sell or hold NOW sold.
Replies: 67
Views: 4856

Re: Intel sell or hold NOW sold.

I have 30,000+ shares of Intel stock recently inherited. The date of death valuation is at 48.57. I had intended to ladder selling in order to keep taxes lower. I had placed a sell at 59 and it continues to fall and expected earnings are not looking good, compared to beginning of year estimates. Th...
by tesuzuki2002
Thu May 02, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: [Does paying a child for chores count as earned income?]
Replies: 17
Views: 1666

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

:moneybag :sharebeer :oops: What people will do to attempt to start Roth IRAs for their children. The last thing I want to do is get the IRS snooping around. Benefit isn't worth the risk. I would pay my child for eating his vegetables as earned income, but he never eats them. No Roth IRA for him!
by tesuzuki2002
Thu May 02, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 5090

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

I mean, I'm all for the meatless meat movement and firmly believe in the technology, etc... ...but this seems like a good candidate to short. If I was into that sort of thing. (I'm not even sure of the mechanics of shorting a stock, thankfully - that way I would have no idea how to even attempt it!...
by tesuzuki2002
Wed Apr 24, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4874

Re: How far would you commute?

For the past 5 years I've worked for a megacorp from home. I accepted this role because it offered work from home option. Over 2000 people use this option. The company has now announced that they are removing the Work from Home option and everyone must commute to an office (which will likely be an ...
by tesuzuki2002
Wed Apr 24, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4212

Re: How to clean a garage?

fortfun wrote:
Tue Apr 23, 2019 9:30 pm
:-) :) :oops: :sharebeer
Mike Scott wrote:
Tue Apr 23, 2019 9:27 pm
You obviously need a bigger garage.
And beer brewing equipment!!! :sharebeer
by tesuzuki2002
Wed Apr 24, 2019 4:40 pm
Forum: Personal Investments
Topic: Where to open 529 savings plan?
Replies: 19
Views: 1250

Re: Where to open 529 savings plan?

For 401K, my employer use Fidelity. Should I use Fidelity? Or should I use Vanguard or TRowe Price? Or some other company? Does it make any difference or not? I live in Los Angeles, CA. I'm currently pregnant and due in 6 weeks. I want to start saving for her 529 this year. Thank you in advance. -J...
by tesuzuki2002
Thu Apr 18, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5265

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

For a few years I owned one share of GM. When I bought my most recent house, the best loan offered came thru GMAC, which offered 1/4 point discount on the interest rate for owners of GM stock. Ralph that's nice! I didn't know that little bonus. I've got around 40 shares in GM though. Probably don't...
by tesuzuki2002
Thu Apr 18, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5265

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

For a few years I owned one share of GM. When I bought my most recent house, the best loan offered came thru GMAC, which offered 1/4 point discount on the interest rate for owners of GM stock. Ralph I have 4.129 shares of Wabtec, shares spun off by a business deal involving Wabtec and GE. Currently...
by tesuzuki2002
Wed Apr 17, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 10180

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

I am retired so I can move anywhere in the country. I have spent countless hours searching for a place to live. Originally , I was searching for a state free of taxes. But it doesn't matter anymore. I just want to leave CA but not sure where. Any suggestions based on the criteria Criteria: 1/ Good ...
by tesuzuki2002
Wed Apr 17, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: I give up on discount movie apps....
Replies: 11
Views: 1231

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

So I was an early guy with Movie Pass. For a few months it was great - 3 movies per month at my favorite theater. Then MP decided to severely limit available movies - many days there were none available at any nearby theater. So I ditched MP. Have been with Sinemia - a similar service that did not ...
by tesuzuki2002
Wed Apr 17, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 10180

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

I am retired so I can move anywhere in the country. I have spent countless hours searching for a place to live. Originally , I was searching for a state free of taxes. But it doesn't matter anymore. I just want to leave CA but not sure where. Any suggestions based on the criteria Criteria: 1/ Good ...
by tesuzuki2002
Wed Apr 17, 2019 10:10 am
Forum: Personal Investments
Topic: Re-balancing "organically"
Replies: 12
Views: 1298

Re: Re-balancing "organically"

yes it is basically that simple. I have been doing that method for the past decade... I'm still accumulating... but the challenge now being by contributions are minuscule compared to portfolio size.. so they don't even move the needle... so there are segments of time where I feel like I'm chasing th...
by tesuzuki2002
Fri Apr 12, 2019 2:33 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 5948

Re: Savings by 30?

Please advise if you had a savings goal by 30. If you have more than 100k saved are you on the right track? Right now I have some student loan debt but have around 130k in savings. This includes EF, taxable accounts, and 401k. I am 30. Thanks all. Your savings goals... would be determined by your o...
by tesuzuki2002
Wed Apr 10, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 283

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

jpsfranks wrote:
Wed Apr 10, 2019 2:51 pm
Yes it's a (self employed/solo) 401k, and you can treat it as such and ignore that it ever said Keogh.
I had the Same result last year in 2018... Its a Solo 401K
by tesuzuki2002
Tue Apr 02, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 5414

Re: Boglehead Pilots...advice

It sounds like you have done your research. I got bored after finishing grad school in 2013. Decided the end of 2014 to get my pilot license. I spent around $14K total including all the things I had to buy to get into flying a little with my own gear. It was a great experience and I would do it all ...
by tesuzuki2002
Sun Mar 31, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 31042

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

2017 - received $3300 refund from the feds 2018 - I own $2200 to the fed I also have to now pay the fed $1400 each quarter for future 2019 taxes. I live in Cali and not feeling good at the moment. I think the middle class in Cali got screwed. D Your refund is only a symptom of how much was withheld...
by tesuzuki2002
Sun Mar 31, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 31042

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

My taxes increased this year.

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

Not a terrible problem to have, but I’m paying more.
by tesuzuki2002
Sun Mar 17, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 10705

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

I carry some really strange items in my carry on. Custom electronics, wires control boxes etc... I’m an electrical engineer.m. I’ve had some things get picked up by security. They usually swab it for explosives and it comes back negative so it goes thru fine at that point. Carry meds and vitamins in...
by tesuzuki2002
Wed Mar 13, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Buying a used car for LA
Replies: 25
Views: 1718

Re: Buying a used car for LA

Hey all, I am moving to LA with my fiancee (so just 2 ppl) to Los Angeles for a new job this summer. We do not own a car now but will get a used car so I can commute (most likely from Pasadena/Alhambra to USC) and drive around on weekends, etc. Now, some friends who lived there suggest that SUVs wo...
by tesuzuki2002
Wed Mar 13, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 7892

Re: Bright daughter wants to work for nonprofit

Daughter is 3 years out of college. Very bright. Graduated from a top college in Business. CPA. She has been with 3 companies and did well in all. Companies loved her. She has a very bright future. However, she recently decided that she wants to work for a nonprofit. She was upfront with her curren...
by tesuzuki2002
Thu Feb 14, 2019 5:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "secret" funds
Replies: 35
Views: 6935

Re: Vanguard "secret" funds

OH NO!!!! They leaked info on the secret funds??!!!
by tesuzuki2002
Wed Dec 19, 2018 10:50 pm
Forum: Personal Investments
Topic: FAANG
Replies: 48
Views: 3797

Re: FAANG

They did so well then tanked for reasons beyond me. I didn't sell all of them and they continued to fall. Now they seem like screaming bargains to me, but the rest of the world doesn't agree. I plan to just hold what I've got on the premise that they'll eventually return to their highs over the nex...
by tesuzuki2002
Wed Dec 19, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: What will be the low for the S&P 500?
Replies: 87
Views: 8276

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

I get it, nobody knows, but c'mon, let's have some fun while we see our portfolios decline in value... What will be the low for the S&P 500 of this correction / bear market whatever you want to call it? My guess is 1400. I posted the same question over 10 years ago in the midst of the financial cri...