Search found 1420 matches

by tesuzuki2002
Fri Mar 15, 2024 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should "fellowship" be taxed ?
Replies: 7
Views: 844

Re: Should "fellowship" be taxed ?

Maybe this will help guide your question. https://www.irs.gov/taxtopics/tc421
by tesuzuki2002
Thu Mar 14, 2024 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: filing amended return on turbotax (2023 tax year)
Replies: 9
Views: 659

Re: filing amended return on turbotax (2023 tax year)

Gradient Descent wrote: Wed Mar 13, 2024 7:14 pm
tesuzuki2002 wrote: Wed Mar 13, 2024 7:02 pm for a few hundred dollars in gains and $10s of dollars in taxes.. I would have not refiled... I've encountered this in the past both in cases where I was owed money and where I owed money... it's a wash at that point.
OP said it would increase their taxes by hundreds of dollars, not hundreds of dollars in gains.

Fair... I missed that.. reading too fast. The IRS doesn't really care about $1k They start to care when they are shorted over $5K... small fish in a big pond.
by tesuzuki2002
Thu Mar 14, 2024 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab cannot overnight a replacement debit card
Replies: 87
Views: 6103

Re: Charles Schwab cannot overnight a replacement debit card

sperry8 wrote: Wed Mar 13, 2024 11:06 am Schwab said the fastest they can do for "expedited" service is 3-5 business days. Up to 5 days (although even worse cause they process in 8 day batches!). Luckily as a frequent traveler I always carry a backup debit card. So I'll be OK - but wow, I'm stunned at this. Absolutely unacceptable imo. :x
Is it really unacceptable? This is whole point of carrying a back up payment method. Or simply good old fashion CASH!!

It would be nice if card issuers had a way to instantly provide you the info so you could apply a new card to your Apple Pay account instantly when it is reissued in cases like this. You wouldn't have to wait more than an hour to get it resolved this way.
by tesuzuki2002
Wed Mar 13, 2024 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: filing amended return on turbotax (2023 tax year)
Replies: 9
Views: 659

Re: filing amended return on turbotax (2023 tax year)

for a few hundred dollars in gains and $10s of dollars in taxes.. I would have not refiled... I've encountered this in the past both in cases where I was owed money and where I owed money... it's a wash at that point.
by tesuzuki2002
Wed Mar 13, 2024 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: filing amended return on turbotax (2023 tax year)
Replies: 9
Views: 659

Re: filing amended return on turbotax (2023 tax year)

for a few hundred dollars in gains and $10s of dollars in taxes.. I would have not refiled... I've encountered this in the past both in cases where I was owed money and where I owed money... it's a wash at that point.
by tesuzuki2002
Tue Mar 12, 2024 10:03 am
Forum: Personal Investments
Topic: Been saving HSA receipts for 5+ years, why not just withdraw & cash flow to Roth IRA via mega backdoor?
Replies: 20
Views: 2035

Re: Been saving HSA receipts for 5+ years, why not just withdraw & cash flow to Roth IRA via mega backdoor?

Bulletproof wrote: Mon Mar 11, 2024 11:15 pm I recently had this realization as I snapped yet another picture of a medical receipt... have been doing this stupid charade all this time unnecessarily?
do you have a limit on things you don't track? I typically don't bother with receipts less than $50... There will likely be other medical expenses later in life that will easily be able to pull this money from the HSA without penalty...
by tesuzuki2002
Tue Mar 12, 2024 10:03 am
Forum: Personal Investments
Topic: Been saving HSA receipts for 5+ years, why not just withdraw & cash flow to Roth IRA via mega backdoor?
Replies: 20
Views: 2035

Re: Been saving HSA receipts for 5+ years, why not just withdraw & cash flow to Roth IRA via mega backdoor?

Bulletproof wrote: Mon Mar 11, 2024 11:15 pm I recently had this realization as I snapped yet another picture of a medical receipt... have been doing this stupid charade all this time unnecessarily?
do you have a limit on things you don't track? I typically don't bother with receipts less than $50... There will likely be other medical expenses later in life that will easily be able to pull this money from the HSA without penalty...
by tesuzuki2002
Tue Mar 12, 2024 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Multiple 401k Accounts Possible?
Replies: 8
Views: 414

Re: Multiple 401k Accounts Possible?

exodusNH wrote: Tue Mar 12, 2024 9:07 am
If you have an agreeable employer, you might ask if you can "quit" to make you eligible to roll the funds into an IRA, then get rehired.

Some plan will allow in-serivce distributions, where this could be completed without quitting... Any inquiry to the 401k administrator could answer whether this is possible.
by tesuzuki2002
Thu Mar 07, 2024 8:12 pm
Forum: Personal Consumer Issues
Topic: Plateaued with my 45 minute workout - Age 47
Replies: 90
Views: 7578

Re: Plateaued with my 45 minute workout - Age 47

So you do this same work out 3 days a week? I would get off the treadmill if you can. If you want an all encompassing workout you can do pushups and or burpees in on the track or the sidewalk between running. You're hitting a 6:40 minute per mile pace. I'd try to incorporate some 1/4 mile segments @ about a 5:45 to 6:00 minute per mile pace. Really push the heart rate. I think you would benefit from changing it up on the other side... incorporate a day a week at a slower pace, but 6 miles.. Endurance training helps on the back end with sprint speed. Also you don't always have to lift weights.. but then again bench and pull ups are not legs... so you are fine. Maybe 1 day just do an easy 1 mile and then do squats and leg press. Here's the ex...
by tesuzuki2002
Tue Feb 27, 2024 6:41 pm
Forum: Personal Consumer Issues
Topic: Dental crowns
Replies: 58
Views: 6682

Re: Dental crowns

I had a pretty standard crown done in 2020...
Quoted ~ $1650 in California..

I still frequent a dentist in MI and they did the procedure for just under $800.

I will continue to leverage this method and not pay over inflated prices for procedures.
by tesuzuki2002
Thu Feb 08, 2024 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Paid 2021 Estimated Tax + made accidental 2021 tax payment
Replies: 19
Views: 2297

Re: Paid 2021 Estimated Tax + made accidental 2021 tax payment

quitz wrote: Thu Feb 08, 2024 11:04 am Hi tesuzuki2002, hope all is well. I'm wondering if you ended up putting the accidental tax payment under schedule 3 line 13z? Thanks
This was a while ago... but I recall yes that recommendation stated above is what I did. So far, nothing has come back on it.
by tesuzuki2002
Wed Feb 07, 2024 3:04 pm
Forum: Personal Investments
Topic: Meta's jump
Replies: 39
Views: 4337

Re: Meta's jump

PLTR is on a nice Run from earnings... You gotta own before the party happens... There are MANY great stocks to own.
by tesuzuki2002
Tue Jan 30, 2024 8:41 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 3606
Views: 562274

Re: Post your Financial Milestone Announcements Here

LFKB wrote: Tue Jan 30, 2024 8:37 pm Bought a vacation property and reached $11 million on my primary account both in the last month
heck of a milestone!!!

how'd you get there? Do you own a business? lots of hard work, good investments?
by tesuzuki2002
Tue Jan 30, 2024 12:18 am
Forum: Personal Investments
Topic: Is paying off a 2.99% mortgage always a bad idea?
Replies: 332
Views: 24666

Re: Is paying off a 2.99% mortgage always a bad idea?

I personally don't think it's always a bad idea... But the Math component is REAL... I played a little of that game earning more than my mortgage and justifying keeping a large cash balance..

I paid off the Mortgage in 2018... I don't regret it... I suppose if I had hung on to that mortgage I could be earning @ 5.5% now when the mortgage was locked in a 2.5%... BUT then I would still have a mortgage...

I'll go back to my first statement... I haven't paid a mortgage payment in over 5 years.. and going on 6... I've turned that investable money with no concerns into some real returns well above 5%...
by tesuzuki2002
Wed Jan 24, 2024 12:24 pm
Forum: Personal Investments
Topic: Early Retirement Plan - Age 38 w/over $2 million
Replies: 120
Views: 28634

Re: Early Retirement Plan - Age 38 w/over $2 million

While I think a lot of people here are too conservative, I wouldn't retire at 38 unless I knew my time left was very limited due to a medical issue. Just too many strange things that will likely happen over the years - divorce, marriages, unexpected kids, family issues, health insurance, inflation, etc. I'm in a Similar situation as the OP. 42 here with $2.4 million. I've been contemplating not working... or I'd really say working Much much less.. I work Events on side and Trade Options (Things I really enjoy doing) and average about $60K a year just doing those 2 things... and I do them whenever I want... no set schedule.. I have a paid off house and expenses are low.. I keep in the workforce because it seems weird not to... and something...
by tesuzuki2002
Sat Jan 20, 2024 10:46 pm
Forum: Personal Consumer Issues
Topic: Xfinity autopay: Gaming the system to get discount
Replies: 24
Views: 3368

Re: Xfinity autopay: Gaming the system to get discount

I'm on autopay for the discount.... I prepay about 2 months... this is all the credit they will allow on the account...
by tesuzuki2002
Wed Jan 17, 2024 11:56 pm
Forum: Personal Investments
Topic: Egregious Financial Advisor Mistake - Help!!
Replies: 54
Views: 5099

Re: Egregious Financial Advisor Mistake - Help!!

I would not call this Egregious... Tax-preparers often miss these things... It's on the tax payer to know the laws and ensure they are being abided by. He needs a more full service accountant who knows their stuff and probably costs a lot more..

He'll need go back and amend the past 3 years of taxes and likely pay a penalty..
by tesuzuki2002
Sun Jan 14, 2024 12:47 pm
Forum: Personal Investments
Topic: Advice for 80yr Grandma w/ 95% AT&T Stock Portfolio
Replies: 91
Views: 11347

Re: Advice for 80yr Grandma w/ 95% AT&T Stock Portfolio

With the current yield on AT&T I and the anticipated dividend increase that was announced by management... I would not be in a hurry to divest... This could be paying 8% in 2024 and I anticipate capital appreciation this year.

I increased my position last year on the dip down in the $13s... that was/is value territory..

that being said.. I decrease risk on ATT I would look at other divided ETFs if she is looking for reoccurring dividend income I would look at a diversified dividend ETF to move assets into.
by tesuzuki2002
Sun Jan 07, 2024 7:28 pm
Forum: Personal Investments
Topic: Workplace “weirdness “ about 401k
Replies: 22
Views: 3449

Re: Workplace “weirdness “ about 401k

I bug my company HR folks... our company 401k is terrible and I let them know. I let other employees know how terrible it is and educate them. I tell them to complain to HR/ benefits... Seems like I may finally be getting somewhere.. They can fix it... improve it.. they just don't want to deal with it... just become the squeaky wheel... and make the other wheels squeak.. This is the only way...
by tesuzuki2002
Thu Dec 14, 2023 8:45 pm
Forum: Investing - Theory, News & General
Topic: Now that rates are coming down
Replies: 38
Views: 8210

Re: Now that rates are coming down

There is little question for me...

Equity indexes have at far great annual returns than bond funds over the past 20, 30, 40, 50 years....

Equity index ALL the way.. Accept volatility for high returns... plan your exist to reduce SORR.
by tesuzuki2002
Thu Dec 14, 2023 5:50 pm
Forum: Personal Investments
Topic: Can anyone remember a comparable market to today?
Replies: 96
Views: 18593

Re: Can anyone remember a comparable market to today?

MrCheapo wrote: Fri Dec 08, 2023 3:31 pm It all seems too good to be true. Two related questions:

a) Was there a period in history where everything looked so good from the market's perspective?
b) Surely something has to break now and the market suffers a downturn? But what? I had that regional banks crisis would freeze the lending markets, but even those have recovered spectacularly
This isn't the first time and won't be the last... It's time to start selling on strength the those things you want to exit positions in...

Things will break soon... Maybe a month... Maybe several months.. BUT things are getting rich in the markets as the say.. PE just went over 26.... Average is now around 20-21... So we're a little to the top..

I welcome the cooling period...
by tesuzuki2002
Wed Dec 06, 2023 11:39 pm
Forum: Personal Consumer Issues
Topic: Geico Auto - Premium up again
Replies: 31
Views: 4194

Re: Geico Auto - Premium up again

rockstar wrote: Wed Dec 06, 2023 9:12 am Since I own BRK stock, I get a discount on my car insurance. Worth checking out.
I've asked customer service about this on several occasions... they tell me I have too many other discounts and I'm not eligible... Seems fishy to me... but my ins is pretty discounted.
by tesuzuki2002
Wed Dec 06, 2023 11:39 pm
Forum: Personal Consumer Issues
Topic: Geico Auto - Premium up again
Replies: 31
Views: 4194

Re: Geico Auto - Premium up again

rockstar wrote: Wed Dec 06, 2023 9:12 am Since I own BRK stock, I get a discount on my car insurance. Worth checking out.
I've asked customer service about this on several occasions... they tell me I have too many other discounts and I'm not eligible... Seems fishy to me... but my ins is pretty discounted.
by tesuzuki2002
Wed Nov 22, 2023 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Exit Strategy (for tax-deferred retirement accounts)
Replies: 163
Views: 22185

Re: What's Your Exit Strategy (for tax-deferred retirement accounts)

I'm probably late, retiring at age 66 mid this year. I only then realized that RMDs would make Medicare IRMAA extra cost worse. DW and I mostly saved through 401k's so we have plenty that will hit RMDs. To reduce that, we did our first Roth conversion ever this year and will do so up to just below the IRMAA limit until RMD time. Had I understood years earlier, I would have started Roth conversions much earlier. We've sort of saved too much. Smallest violin comes out and plays.... Having saved too much at that stage is probably the better side of the trade to be on... I'm a solid 20 years from "normal aged retirement" However, having done well and put away just shy of $3Million.. I'm beginning to think much more about the exit str...
by tesuzuki2002
Tue Nov 21, 2023 12:14 pm
Forum: Personal Investments
Topic: Saving to pay off mortgage
Replies: 46
Views: 4956

Re: Saving to pay off mortgage

Put it in a guaranteed investment that returns more than the 2.5%.... when you have the money saved.. you can then decide if you want to keep earning more and carry the mortgage.. or just pay it and move on. I carried one for a few years at 3.% while I was earning 4% on cash... After a couple years I just paid it... moved on..

Had I waited I'd be in a better position with a 3% mortgage... earning 5-6% on cash.. A little bit of kicking my self.. BUT come on.. I haven't had a mortgage payment in 4 years.. so.... I'm happy with it.
by tesuzuki2002
Sat Nov 18, 2023 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Help w/response to IRS letter (bank account bonuses)
Replies: 53
Views: 4826

Re: 1099-MISC for bank account bonus - must I pay FICA taxes?

This is turbo tax or input error. You owe no FICA on this. It’s misc much like interest…
by tesuzuki2002
Sat Nov 18, 2023 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Help w/response to IRS letter (bank account bonuses)
Replies: 53
Views: 4826

Re: 1099-MISC for bank account bonus - must I pay FICA taxes?

This is turbo tax or input error. You owe no FICA on this. It’s misc much like interest…
by tesuzuki2002
Wed Nov 15, 2023 7:16 pm
Forum: Personal Investments
Topic: Life's too short to own VBTLX
Replies: 96
Views: 10890

Re: Life's too short to own VBTLX

too_rich wrote: Wed Nov 15, 2023 11:45 am I have own VBTLX for a long time and it only seems to go down. I have short-term and long-term capital losses from this dog and I'm selling it all. It has kept my rate of return down for so many years and it's just a drain on my portfolio.

I liquidated my position today from this nightmare fund and I am replacing it with VTSAX.
I did this back in 2016 and haven't looked back until now.... I'm Glad I made the switch...
by tesuzuki2002
Wed Nov 15, 2023 6:10 pm
Forum: Personal Investments
Topic: At what mortgage rate would you pay it off early?
Replies: 258
Views: 22504

Re: At what mortgage rate would you pay it off early?

anonymoususer wrote: Wed Nov 15, 2023 4:27 pm
What is your reasoning?
It was at a cost when rates were so low.... However, I haven't had a mortgage for 4 almost 5 years now... so that's nice.. Money just get invested or spend on fun stuff.. depends on how I feel. LOL.
by tesuzuki2002
Wed Nov 15, 2023 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Coast FI jobs
Replies: 66
Views: 9863

Re: Coast FI jobs

do you like the trades? there are a lot of folks in need of trades folks to repair and fix things and most folks charge an arm and leg for things that a high schooler can accomplish... It's nice to do things for folks who can't and not strive to make a huge margin. Or better yet... habitat for humanity... you can help build a whole house for a family in need...
by tesuzuki2002
Wed Nov 15, 2023 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Coast FI jobs
Replies: 66
Views: 9863

Re: Coast FI jobs

Halicar wrote: Tue Nov 14, 2023 12:45 pm I'll try to say this as nicely as possible. If you think you can get a job teaching and make 100k per year and that it would be deeply fulfilling, you're not kidding when you say you know nothing about the rest of the world.
I would agree...
by tesuzuki2002
Thu Nov 09, 2023 8:12 pm
Forum: Personal Consumer Issues
Topic: cross country drive in a 10 year old vehicle, thoughts?
Replies: 87
Views: 8467

Re: cross country drive in a 10 year old vehicle, thoughts?

I have 20 year old Jeep... I would not hesitate for a second to drive it cross country!! It's all about how you take care of it. It's due for a coolant and transflush in another 20K miles... and an oil change soon.
by tesuzuki2002
Mon Oct 23, 2023 7:58 pm
Forum: Personal Consumer Issues
Topic: CA | Catalytic converter stolen | Car Failed Smog | My Options?
Replies: 12
Views: 1412

Re: CA | Catalytic converter stolen | Car Failed Smog | My Options?

Maybe the local shop that did the work will help you pass the SMOG... I probably would have taken it to them...
by tesuzuki2002
Mon Oct 02, 2023 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Does the salary I report to credit card companies matter?
Replies: 35
Views: 5319

Re: Does the salary I report to credit card companies matter?

safari wrote: Mon Oct 02, 2023 10:39 am I am curious if anyone has ever been asked to provide any proof of income by a credit card company.
My answer would be NO.. and I assume this is the Norm... they don't have time for that either.
by tesuzuki2002
Mon Oct 02, 2023 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Does the salary I report to credit card companies matter?
Replies: 35
Views: 5319

Re: Does the salary I report to credit card companies matter?

Sometimes I state that I make $100K annually, and sometimes I put in $500K it doesn't seem to move the needle much with the outcome... at least from my experience.

Then for credit cards that I am already approved on and they ask for updates to annual income I change it to $10K and my available credit never goes down.
by tesuzuki2002
Wed Sep 06, 2023 11:38 pm
Forum: Personal Investments
Topic: Adios, Vanguard
Replies: 465
Views: 93365

Re: Adios, Vanguard

I plan to move away from Vanguard towards retirement... it seems there are MANY problems and no decent customer service... I'm in the accumulating stage working up to $4 million... When I start to draw is where I figure I many need customer service and I've heard too much about how poor Vanguard is. In customer satisfaction surveys, Vanguard rates about the same as Fidelity and Schwab, or higher. Don’t base decisions solely on anecdotal evidence, which can be skewed. Yes. Don't base it on anecdotal evidence from others but base it on personal experience. However, I think customer satisfaction surveys especially J.D. Power are not very useful either. Sometimes customers do not know how bad they are getting, EJ always rank high in its survey...
by tesuzuki2002
Wed Sep 06, 2023 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Maxing out 401k without going over annual limit - 2 jobs
Replies: 16
Views: 2032

Re: Maxing out 401k without going over annual limit - 2 jobs

You just need to monitor your contributions... I do this as well since I get a match at each of the EMPLOYERS... I usually get within $100 of the MAX contribution I'm Not particular about hitting the max on the head just getting really close.
by tesuzuki2002
Mon Aug 21, 2023 4:03 pm
Forum: Personal Investments
Topic: When does the power of compounding interest really kick in?
Replies: 113
Views: 25522

Re: When does the power of compounding interest really kick in?

I am looking for a $ amount, if that's feasible. Was there a certain point that you noticed your investments really start to gain traction, from what you remember? I realize this may be difficult to answer as we have up and down years. Just curious. Currently at $350k. The jump from $200k to $300k was quicker than $100k to $200k but not hugely noticeable. It depends on your contribution level to total assets. If you are investing $100K per year... you will see big jumps initially.... When you get to $2 million... your $100K only becomes 5% of your total portfolio... So your 10% growth per year takes on the growth of the portfolio rather than your investments. This applies the same if you are investing 10K per year. with you get to $200K yo...
by tesuzuki2002
Mon Aug 21, 2023 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Rethinking "Keep Your Car for Ten Years"
Replies: 466
Views: 48758

Re: Rethinking "Keep Your Car for Ten Years"

During the accumulation years? Although it is an expense we all have during the accumulation years, it ranks lower in costs than the big three. Employer coverage of one's health care plans keeps costs low during the working years. As you retire and age, I would agree with you that it then garners attention as expenses of health care increase during decumulation. The JP Morgan Guide to Retirement is one source we study each year, and it confirms the expenses rise for health care as you age. https://live.staticflickr.com/65535/53129707123_1c881cb956_z.jpg https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/?gad=1&gclid=Cj0KCQjw84anBhCtARIsAISI-xeTLBNKKmYx3ShTc_MqXxQga0EXx0GQBvxq7rCEc4yxdo8a...
by tesuzuki2002
Mon Aug 21, 2023 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Rethinking "Keep Your Car for Ten Years"
Replies: 466
Views: 48758

Re: Rethinking "Keep Your Car for Ten Years"

Okay, I'll admit it--I'm a geezer. I don't drive much anymore. My "new" vehicle is approaching its twenty second birthday. Just take care of it, and it'll take care of you. Perhaps I'm a satisfied Boglehead to the extreme dimension. But whatever suits you and your situation is fine with me. I'm not a geezer, yet... but I drive a 21 year old Jeep and it runs like a champ. I do all my own maintenance where special tools are not required. I need a new rear main seal which is going to be a tricky one... but like well worth the repair. Don't forget about registration fees and insurance when factoring in the cost of ownership. My vehicle with older Reg and only liability insurance keeps it in perspective. I just paid my tags $146 + rec...
by tesuzuki2002
Thu Aug 17, 2023 10:33 pm
Forum: Personal Investments
Topic: Adios, Vanguard
Replies: 465
Views: 93365

Re: Adios, Vanguard

I plan to move away from Vanguard towards retirement... it seems there are MANY problems and no decent customer service... I'm in the accumulating stage working up to $4 million... When I start to draw is where I figure I many need customer service and I've heard too much about how poor Vanguard is.
by tesuzuki2002
Thu Aug 17, 2023 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity services
Replies: 33
Views: 4236

Re: Fidelity services

Jack FFR1846 wrote: Tue Aug 15, 2023 11:02 am I have a free solution for you. I assume you now have online access to the account.

1) sign in
2) go to the trade section. Click each current stock/fund and hit "sell all".
3) go back into the trade section. Click buy...mutual fund...FZROX. Buy 100% of what money came from the sales.
4) you're done. In the future, if you need to take mandatory withdrawals, sell enough FZROX to do so and make your withdrawal in cash.
5) spend your cash as you like.

Your cost? Zero. Just like the zero fund cost.
If you want Hands free this sounds like a GREAT Plan!!!! Figure out where if any tax impacts, but that sounds very unlikely...

index it!!!
by tesuzuki2002
Wed Aug 16, 2023 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 352
Views: 74784

Re: Millionaire by 40 and How you Did it?

High Savings Rate.
by tesuzuki2002
Sat Aug 12, 2023 8:24 pm
Forum: Personal Consumer Issues
Topic: Hitch Cargo Carrier: Scratching Bottom on Steep Inclines
Replies: 7
Views: 1088

Re: Hitch Cargo Carrier: Scratching Bottom on Steep Inclines

Enter steep drive inclines at 45 degree angle and exit straight thru on the same 45… this usually can solve that.
You don’t want both tires to dip down into the lowest part of the curb…. Or you install using a hitch adapter that lifts up the carrier.
by tesuzuki2002
Thu Aug 10, 2023 1:15 pm
Forum: Personal Consumer Issues
Topic: Fuel: is "top tier" really better, and who checks this stuff?
Replies: 139
Views: 15435

Re: Fuel: is "top tier" really better, and who checks this stuff?

NYCaviator wrote: Thu Aug 10, 2023 6:58 am
It seems like every gas station is independently owned, regardless of the brand. How do I know the guy who owns the run down Shell up the street is actually using Shell's secret sauce "top tier" gas and not the same stuff the discount stations are using?

The trucks that pull up to fill up the tanks at gas stations usually aren't branded "Shell" or "BP" or "Conoco." Couldn't these independent stations just buy whatever they want?
You look up which stations source TOPTIER Fuel here. https://www.toptiergas.com/

Yes anyone can purchase toptier fuel... You just have to find which stations... some hole in the way crappy fuel stations use it...
by tesuzuki2002
Mon Jul 31, 2023 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: AZ landlord. Renter refused to pay the last month's rent. What next?
Replies: 117
Views: 14167

Re: AZ landlord. Renter refused to pay the last month's rent. What next?

Hi, Our 2013 built rental house is in AZ (we lived in it until I rented it last year). Our renter (~$3k rent, $3k security deposit) bought a home in June; gave a notice about 30 days earlier and moved out early June. He paid June and July rent. The lease states that breaking a lease doesn't mean that he is out of the rent till end of contract date which is Aug 31st (exact terms included below). I put the rental advertisement up on May 24th and the house is not rented still... Today, the renter emailed my property manager the following: "I gave 30 days notice that I would be out first week of June. Which has been 60 days. I paid all of June and July, despite not living there. I can dent their credit score etc. I don't believe in hurtin...
by tesuzuki2002
Tue Jul 25, 2023 3:17 pm
Forum: Personal Investments
Topic: To LEAP(S) or not to LEAP(S)?
Replies: 27
Views: 2034

Re: To LEAP(S) or not to LEAP(S)?

It depends for me how confident I am in things happening in the LEAPS time frame... I've been playing with LEAPS for several years now and while I've made a little money on a few of them more often than not things did not progress with the particular equities I got into in the time frame needed. Looking back... It would have just been easier to buy some shares and stick with a BH mind set and watch the over all base grow... Now if you get a real winner... that would be something.. I'm my case, I have had a few winners.. but I missed the gains by a good 6 month on either the front end or the back end... That said... I still have a few LEAPS but these are 0.02% of my over all portfolio and just messing around money. Thank you very much for y...
by tesuzuki2002
Tue Jul 25, 2023 3:13 pm
Forum: Personal Consumer Issues
Topic: 718 Cayman GTS 4.0. Can I? Should I?
Replies: 103
Views: 9618

Re: 718 Cayman GTS 4.0. Can I? Should I?

Buy the car dude... you make half a million a year... and you're caught up on a $120K car ? You make that in 4 months... 5 months to cover the taxes... chances are you'll take good care of it.... and sell it in 10 years for more than you paid... or pass it down to your kids..