Search found 134 matches

by Psyayeayeduck
Thu Apr 18, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 91
Views: 7311

Re: Job Offer Evaluation - FANG

If you are young and single, I would say yes because the exposure to a FAANG company will provide current and future benefits to your career, financially and benefit-wise. From what I gathered from my friends who do work for a FAANG company, they usually expect their people to work more than a typic...
by Psyayeayeduck
Wed Apr 17, 2019 8:16 am
Forum: Personal Investments
Topic: How often do you check up on your investments?
Replies: 35
Views: 2090

Re: How often do you check up on your investments?

Daily. It falls under the category of "this is how the sausage is made" in my world of personal finance. Up days. Down days. It doesn't matter. I'm just fascinated on how things can rapidly grow if you follow the Bogleheads advice of lazy portfolios.
by Psyayeayeduck
Tue Apr 16, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5347

Re: What Are Your Simple Pleasures?

Waking up before dawn, thinking I have to be up in 2 hours and go to work, and then realizing it's Saturday! (Soon, every day will be Saturday.) I remember reading somewhere that early retirees and normal retirees alike eventually will start hating actual Saturdays since that is when everyone is do...
by Psyayeayeduck
Tue Apr 16, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 76
Views: 9519

Re: Do not use Personal Capital

What exactly is the issue here? Of course they have visibility into your accounts, how else would the advisor provide you with advice? Although they can have access, I should have the ability to control that access. You are using their free product on their terms. I'm surprised you think they shoul...
by Psyayeayeduck
Mon Apr 15, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan expenses rising
Replies: 50
Views: 4011

Re: Thrift Savings Plan expenses rising

Maybe it is me but that's an incredibly minor jump that I wouldn't lose sleep over it.
by Psyayeayeduck
Wed Apr 10, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8038

Re: Are Airport Lounges Worth the Money?

So I just went through this when I flew to Japan from mid March to a few days ago. I used my Priority Pass that I got from my Chase Sapphire Reserve card and allowed two of my traveling companions to join with me. WORTH. EVERY. PENNY. All three of us got free drinks, a meal, a place to sit, plug out...
by Psyayeayeduck
Wed Apr 10, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 105
Views: 7956

Re: Crypto bulls are back. Are you getting in?

Nope.

(Apparently I need a minimum of 5 characters to post or my original answer would have been "No." [without quotations])
by Psyayeayeduck
Mon Mar 18, 2019 5:29 am
Forum: Personal Investments
Topic: Mourning the loss of savings rate
Replies: 38
Views: 4341

Re: Mourning the loss of savings rate

This is the equivalent of mourning the loss of the A+ where a passing grade is good enough. 25% is not something to be sad about at all.
by Psyayeayeduck
Wed Mar 13, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6214

Re: How many companies have you worked for?

5 total.

Longest: 5 years
Shortest: 1 month
by Psyayeayeduck
Tue Mar 12, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: United Economy class and personal item bringing on plane
Replies: 23
Views: 2103

Re: United Economy class and personal item bringing on plane

I'm actually surprised that not many people have done this but when I'm at an airport with a small carry-on or personal item, I take a picture of my carry-on/personal item inside one of those metal dimension boxes for each of the airlines. Then I upload my pictures to my computer to be used as refer...
by Psyayeayeduck
Thu Mar 07, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18301

Re: Talk me in/out of $35k Tesla Model 3

Every shiny new toy eventually wears out over time.
by Psyayeayeduck
Thu Feb 28, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4341

Re: Going to "cash-only" restaurants?

Shallowpockets wrote:
Thu Feb 28, 2019 8:33 am
Now, if we could only get a tipless restaurant.
It's called a fast food restaurant.
by Psyayeayeduck
Wed Feb 13, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 363
Views: 28377

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

This was the first year where I tracked my expenses, pay stubs, and the taxes I was expected to pay. It was a real eye opener as it showed me where all my money went -- federal and state taxes, FICA, pre-tax benefits, medical/dental/vision, etc. Every paycheck I recorded the amounts and compared it ...
by Psyayeayeduck
Fri Jan 18, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: How do I get a hotel room upgrade ?
Replies: 9
Views: 954

Re: How do I get a hotel room upgrade ?

Ok! Wonderful. It is the same place my husband and I honeymooned years ago. I will say that. I have heard of people offering money at the front desk. Seems kinda weird to me but does this work? Almost seems like bribery :/ It's a tip for service rendered. The clerk usually has some discretion as to...
by Psyayeayeduck
Fri Jan 18, 2019 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11376

Re: Have I Now Become Out of Touch Financially? Aging question...

livesoft wrote:
Wed Jan 16, 2019 5:02 pm
I use a 2-liter bottle of Dr Pepper as my inflation index. This week they were 88 cents each, so no inflation for past 5 years.
I actually use the Price is Right as my pseudo yardstick to get a general sense of how things were cheap back then versus today's prices.
by Psyayeayeduck
Fri Jan 04, 2019 6:57 am
Forum: Personal Investments
Topic: 2019 Lump Sum IRA Contribution
Replies: 28
Views: 2004

Re: 2019 Lump Sum IRA Contribution

I will be the same thing that I have always been doing -- a combination of lump sum and DCA. Any extra money leftover from "paying myself" funds (401k, HSA, topping off emergency fund [if any]), and paying bills goes into the Roth IRA on a scheduled basis. If I managed to get a windfall along the wa...
by Psyayeayeduck
Thu Dec 27, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7043

Re: What have you learned this year

Financial - This is the first year where I tracked every single penny since the start of 2018 and my expenses ended up being just below $37600. Nearly $9000 of that was just extra expenses that could have easily cut out if need be leaving me a baseline of expenses of $28600 per year. It definitely ...
by Psyayeayeduck
Mon Dec 24, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843131

Re: U.S. stocks in free fall

Another bear sighting!

According to CNBC, the S&P500 is officially in bear market.
by Psyayeayeduck
Thu Dec 20, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843131

Re: U.S. stocks in free fall

We have a bear sighting! NASDAQ in official bear territory.
by Psyayeayeduck
Thu Dec 20, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 414799

Re: What are you up YTD? [Year To Date]

+2.28% -- From One Year Ago
-7.04% -- Year to Date

When I combine the 20%+ gains from 2017 and the loss from this year, it averages out for the most part.

Meh.
by Psyayeayeduck
Thu Dec 20, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19929

Re: Favorite Purchase of 2018?

My Planet Fitness Black Card membership. Found out recently that my work covers 100% of the costs (monthly and one-time expenses) AND my health insurance pays me $20 per month if I go to the gym 12 times a month (up to $200) which I will be using for X-mas presents from this point forward. Deferred ...
by Psyayeayeduck
Thu Dec 20, 2018 6:53 am
Forum: Personal Investments
Topic: Will you contribute all $6,000 to IRA in Jan or DCA?
Replies: 32
Views: 2001

Re: Will you contribute all $6,000 to IRA in Jan or DCA?

I always do a combination of DCA and lump sum. I have a set amount every two weeks going to my Roth IRA and once in a while I'll throw in a lump sum into the mix until I hit my $6k. Gives me some comfort in doing this way. Might not get the A+ in investing but gives me a passing grade.
by Psyayeayeduck
Tue Dec 18, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843131

Re: U.S. stocks in free fall

Today out of nowhere, I received an after tax bonus of $85K. Where do you people find these companies that pay almost 1 year of my salary as a bonus? I was so appreciative to my boss this year for a bonus of $1750! Someone is jealous here! Mind you, there is no context behind these stories about pe...
by Psyayeayeduck
Tue Dec 18, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843131

Re: U.S. stocks in free fall

Today out of nowhere, I received an after tax bonus of $85K. Where do you people find these companies that pay almost 1 year of my salary as a bonus? I was so appreciative to my boss this year for a bonus of $1750! Someone is jealous here! Mind you, there is no context behind these stories about pe...
by Psyayeayeduck
Tue Dec 18, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Adult Games / Board Games - Recommendations
Replies: 55
Views: 3656

Re: Adult Games / Board Games - Recommendations

Codenames
Settlers of Catan
Lords of Waterdeep (for the D&D nerds)
Dominion
Suburbia (one of my favorite games as of late)
by Psyayeayeduck
Mon Dec 03, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5365

Re: Do you get a year end bonus?

Bonus? What is that? :annoyed
by Psyayeayeduck
Mon Dec 03, 2018 10:55 am
Forum: Personal Investments
Topic: Dollar Cost Averaging or Lump Sum in Current Market
Replies: 30
Views: 2575

Re: Dollar Cost Averaging or Lump Sum in Current Market

I do a combination of both where I have a regularly scheduled deposit but throw in a lump sum once in a while until I hit my limits. It's a compromised middle. Might not get the A+ of investment returns but I rather get a passing grade than a failing one.
by Psyayeayeduck
Tue Nov 27, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5880

Re: Is good, quality luggage worth the price?

Good luggage is worth it, but at that pricepoint, you may be overpaying. I personally like getting some of the lightweight carryon bags from Costco. You should be able to get a set for under $150, or one bag for under $100. Mine is a Ricardo Beverly Hills bag, which they carry from time to time. +1...
by Psyayeayeduck
Wed Oct 24, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843131

Re: U.S. stocks in freefall

Earl Lemongrab wrote:
Tue Oct 23, 2018 10:51 am
Think of it as a time machine. The S&P 500 is now back to about May 2018.
+1

It's a great way to look at it though the pessimist in me would put the date back to Jan 2018 since we crossed this S&P 500 threshold multiple times in 2018.
by Psyayeayeduck
Fri Oct 12, 2018 12:10 pm
Forum: Personal Investments
Topic: What did you buy today
Replies: 119
Views: 9249

Re: What did you buy today

A Chipolte burrito with chorizo (it was alright - 6.5/10), a jar of mayo, and my usual VTSAX weekly purchase. Quite a minimum week for me.
by Psyayeayeduck
Wed Oct 03, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5757

Re: Landlord wants to raise rent, but is asking if he can?

It's also his house where he paid off his mortgage years ago so technically anything from us is 100% profit. Not necessarily 100%. There are maintenance, homeowner's insurance, and taxes that eats from that profit. I would agree that a significant portion does go back to the landlord with a paid of...
by Psyayeayeduck
Mon Oct 01, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 10075

Re: Suze Orman - "I hate the FIRE movement."

In other words, "don't retire or I can't make money!". If I were her, I would make the same message if my wealth depends on the wallets of the financial illiterate.
by Psyayeayeduck
Wed Sep 19, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26332

Re: What is your single most expensive mistake?

Sandtrap wrote:
Tue Sep 18, 2018 6:20 pm
+ Married the wrong person $$$$$:oops:
- Married an excellent person and stayed married. :D :D :D :D
Uh....I think you mixed your pluses and minuses unless this is a freudian slip :twisted:
by Psyayeayeduck
Thu Sep 06, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 19410

Re: How to Retire in Your 30's with $1 Million in the Bank

The comments in this thread is a very nice reminder to keep personal financials to oneself. Thank you, Bogleheads.
by Psyayeayeduck
Tue Aug 28, 2018 6:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 657
Views: 74699

Re: U.S. stocks continue to soar!

And thanks for confirming my move to re-balance my allocation to take in more bonds a week ago. Everything is rosy and pretty...until it isn't.
by Psyayeayeduck
Tue Jul 17, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10764

Re: Amazon Prime Day 2018

I just want to remind everyone that just because something is on "sale" doesn't mean you are obligated to buy if you never needed it in the first place. Carry on.
by Psyayeayeduck
Thu Jul 12, 2018 8:57 am
Forum: Personal Investments
Topic: Eesh! 100% Company Stock - Help me with my 401k!
Replies: 19
Views: 1658

Re: Eesh! 100% Company Stock - Help me with my 401k!

I recently have discovered this site and have realized I have made a huge mistake: my entire 401k is currently in company stock! (eesh!) I'm trying to decide which funds to pick for my 401(k). I have been reading like crazy over the past two weeks and have just ordered the Bogleheads books online. ...
by Psyayeayeduck
Wed Jul 11, 2018 6:35 am
Forum: Personal Investments
Topic: 401(k) Asset Allocation for 23 Year Old
Replies: 10
Views: 799

Re: 401(k) Asset Allocation for 23 Year Old

For someone that young with no knowledge in investing the Target Dated Fund would be great for her. Maybe in the future if she want to learn about investing she could change. But the Target Dated Fund makes investing so easy for someone just starting out. No decision on funds or percent of funds sh...
by Psyayeayeduck
Thu Jun 28, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Keep calm and Boglehead on!
Replies: 60
Views: 6182

Re: Keep calm and Boglehead on!

I'm convinced that I'm was an old sea captain searching for the white whale in my previous life since I run towards the chaos when markets take a tumble and buy as much as I can afford to. Arg, me mateys!!! :beer
by Psyayeayeduck
Wed Jun 27, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Opinion: Betterment Thinks We're Stupid
Replies: 17
Views: 4026

Re: Opinion: Betterment Thinks We're Stupid

It's pretty. I'll give them that. The problem is that with no numbers, I can't make a proper assessment. Again, details are key and, being the amateur weenie that I am, I see none. Will rope in your general U.S. citizen? I can see that happening. Will encourage more people to save? Maybe if they see...
by Psyayeayeduck
Mon Jun 25, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10391
Views: 1843131

Re: U.S. stocks in freefall

From the looks of it, we are around the late 2017/ early 2018 levels. Meh....
by Psyayeayeduck
Thu Jun 21, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 42790

Re: What is/ was your career and would you recommend it now?

Electrical Engineer, engineering management. Great field, great pay, opportunities aplenty. Very hard work (at least for me) to get a BSEE, but I have been employed continually for 31 years. Not as susceptible to economic variations as many careers. I would recommend it now. +1 As a fellow EE, we a...
by Psyayeayeduck
Wed Jun 20, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 121896

Re: Anyone regret paying off mortgage early?

international001 wrote:
Sun Jun 10, 2018 3:07 pm
To those of you who claim peace of mind.. be aware of the Confirmatory bias

If you paid off a 30 yrs mortgage in 15 years... perhaps you could have asked for a lower rate!
That's like saying you could have gotten the A+ but you settled for a B+/A-.
by Psyayeayeduck
Wed Jun 20, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 15072

Re: Oh my! Cardone says we need $10m net worth

Who? For a majority of people, $1M to $4M is perfectly reasonable range. Just make sure that the money you received from your withdraw rate is higher than your expenses, the principal money can be recovered again over time through investments/distributions/whatever other methods you choose, and you...
by Psyayeayeduck
Wed Jun 20, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 15072

Re: Oh my! Cardone says we need $10m net worth

Who? For a majority of people, $1M to $4M is perfectly reasonable range. Just make sure that the money you received from your withdraw rate is higher than your expenses, the principal money can be recovered again over time through investments/distributions/whatever other methods you choose, and you...
by Psyayeayeduck
Wed Jun 20, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 15072

Re: Oh my! Cardone says we need $10m net worth

Who? For a majority of people, $1M to $4M is perfectly reasonable range. Just make sure that the money you received from your withdraw rate is higher than your expenses, the principal money can be recovered again over time through investments/distributions/whatever other methods you choose, and your...
by Psyayeayeduck
Wed Jun 13, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7792

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

As one of the oldest millennials out there (born in 1981 according to the Pew Research Center and known member of the Oregon Trail Generation), there are so many combinations of factors out there that it is hard to quantify the reasoning behind the Forbes article. From a strictly financial point of ...
by Psyayeayeduck
Tue May 08, 2018 5:26 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 4147

Re: Why do so many Americans not own stocks?

From the top of my head: 1) Income has not kept up with expenses. Less money goes into savings because the same items you had before are now cost more for the same or lesser level of quality/quantity. 2) It is expensive being poor. It only takes one missed bill or of the like to get slap with anothe...