Search found 98 matches

by Que1999
Thu Oct 18, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Timing mortgage pay down
Replies: 37
Views: 2105

Re: Timing mortgage pay down

OP, It is very simple. Mortgage interest rate = X. Market return = Y. If Y > X, investing win. If X > Y, pay extra win. It has nothing to do with timing. If you have $500 extra, mortgage interest = 3% and market return = 7%, investing the $500 always win since 7% is greater than 3%. KlangFool P.S.:...
by Que1999
Sun Oct 07, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4479

Re: Should I, and how, act on changes in managing diet and health?

I have been thinking of this exact topic lately myself. I don't invest in individual companies, just do my index funds so I don't have to worry about the diet and lifestyle changes that seem to be occurring right now.... Just pondering them for the most part. But I'll tell you after reading some of ...
by Que1999
Tue Sep 18, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 77
Views: 8739

Re: Why do we expect TSM to keep growing?

What exactly is the purpose of this thread? Is somebody here thinking of getting out of the market because they don't expect it to keep growing? Well, it is not useless to try understand where stockholders profits come from. That is useful information, for instance, when one has to decide whether t...
by Que1999
Sat Sep 15, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6309

Re: Paying off mortgage with 87K left on it

That's great! Congrats!!

Enjoy your debt-free life now. I'm about $50k away and getting pretty antsy myself... :sharebeer
by Que1999
Fri Sep 14, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48914

Re: MoviePass-Too good to be true, but it's legit.

It is with deep sadness that I decided to cancel my MoviePass subscription. We had some really great times over the year we were together. Mostly ready to go at any theater at any time. Spur of the moment was fine. But there was too much turmoil in our relationship the last 2 months. MoviePass got ...
by Que1999
Tue Sep 11, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6309

Re: Paying off mortgage with 87K left on it

I look at mortgage payments and prepaying a little different than most. I'm not so much about the rate, but about the CASH interest I'm paying to the bank. In my mind, the rates are inconsequential compared to how much cash is going to principal vs. interest(wasted!). I saved hundreds of thousands p...
by Que1999
Sat Sep 08, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4222

Re: Switching Careers - From IT to Police Officer

I've been on the job now for over 13 years, and let me tell you... High-stress isn't even the word. Cops are under fire all around the country right now, and on top of all the common stresses that have always come with police work like miscellaneous/swapped tours(midnights into court tours etc... ki...
by Que1999
Fri Sep 07, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: returns for the next decade
Replies: 40
Views: 4271

Re: returns for the next decade

People still want to predict Mr. Markets future?

Nobody knows nothin'!

Just stay the course.

:beer
by Que1999
Sat Aug 18, 2018 3:39 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48914

Re: MoviePass-Too good to be true, but it's legit.

Had to pull the plug last night. Really wanted to believe...... Shame on the movie industry for killing the little guy. Now these crazy ticket/concession prices will remain completely the same.... Considering AMC stubs A-List, but I'm not sure I want to give any more of my money to the big movie ind...
by Que1999
Wed Aug 08, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6795

Re: "Dollar Tree Store" favorites

Since this site is full of very knowledgeable people.... Can someone tell me if 'Tapatio' hot sauce sold here is legit? It's the 10oz container, but everywhere else it sells for around $5... Here $1. After reading about the toothpaste and other consumption goods sold at the dollar tree I'm wondering...
by Que1999
Tue Aug 07, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Would you pay this mortgage off?
Replies: 51
Views: 4358

Re: Would you pay this mortgage off?

I would max out all tax deferred space first. All... adjust your withholdings so you'd bring more cash home in your paychecks.... Living in a high tax state like NY makes this priority #1, even more so if you live in the City which imposes 3.5% city tax on all income, including your taxable accounts...
by Que1999
Wed Aug 01, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7089

Re: DW job in dangerous area

Bad things happen in the real world, believe me I know... SAFETY and HEALTH are the 2 most important things in this world, even for Bogleheads.

No amount of money or opportunity is worth putting you or your families safety at risk.

Keep it moving. You guys will be fine.
by Que1999
Fri Jul 27, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48914

Re: MoviePass-Too good to be true, but it's legit.

This actually makes me pretty sad... The wife and kids loved going to the movies on a regular basis and I loved not breaking the bank over crazy concession prices, the kids loved movie-time with us. Adult tickets here run $15-$20 a pop. Oh well, I guess it's back to Redbox and Netflix. :-(
by Que1999
Fri Jul 27, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48914

Re: MoviePass-Too good to be true, but it's legit.

MoviePass starting to have financial issues... https://markets.businessinsider.com/news/stocks/moviepass-owner-hmny-stock-price-crashing-briefly-ran-out-of-money-2018-7-1027407569 "Starting" to have financial issues is overly generous, but your point is well taken. The end seems to be near.... Spou...
by Que1999
Mon Jul 16, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48914

Re: MoviePass-Too good to be true, but it's legit.

I wanted to see a movie yesterday, but of the 14 screens in my town, the 2-3 Sunday afternoon/evening shows (say 35 possible movies), 28 of them were surge priced. Ridiculous. Same thing happened with the wife and I. I think surge pricing is the beginning of the end to be honest. Any movie we wante...
by Que1999
Sat Jul 14, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18438

Re: COMING SOON: BOGLEHEADS PODCASTS

This is gonna be big..... :sharebeer
by Que1999
Fri Jul 13, 2018 2:51 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18438

Re: COMING SOON: BOGLEHEADS PODCASTS

The Boglehead Way Of Life:
Index Investing Made Simple

This is so exciting!! I've been waiting for this my whole life! :D :beer :mrgreen:
by Que1999
Fri Jul 13, 2018 2:48 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18438

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads:
Indexing Your Way to Success
by Que1999
Wed Jul 04, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Keto Diet
Replies: 16
Views: 1643

Keto Diet

The wife and I are looking into trying out the low carb/low sugar/high fat keto diet. Any experiences with it? Also, any good books or keto programs anyone would recommend?

Thanks!
by Que1999
Tue Jul 03, 2018 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 14613

Re: Too much Bogleheads.org?

I love the Bogleheads forums!! This forum satisfies my financial addictions(because yes, I'm obsessed with finances it seems....) But it is also a wealth of incredibly valuable information from many very smart people. Anything, financial or otherwise, that I'm looking for input on I can find here. I...
by Que1999
Tue Jun 26, 2018 2:22 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 125
Views: 14562

Re: Why not go 100% stocks?

I wish I had that income with 1/9th of my income used for my annual expenses. If I did, I would absolutely plow my money right into VTSAX and let it compound for 20 years.... Ultimately getting to a 1% or 2% withdrawal rate when/if I finally needed to pull from that account for income. 100% stock wi...
by Que1999
Sun Jun 17, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4415

Re: iPad Pro 12.9": Replacement for Laptop?

A Surface Pro would be a better laptop replacement than an iPad Pro. Also at a much steeper price. There's a sale looks like through Fathers Day weekend... If the OP is interested might be nice to save a couple hundred bucks on the Surface Pro. https://hothardware.com/news/microsoft-surface-pro-599...
by Que1999
Sun Jun 17, 2018 3:22 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4415

Re: iPad Pro 12.9": Replacement for Laptop?

I'm a big fan of the Windows Surface Pro tablet/PCs. I got one a few months ago and couldn't be happier. It is a Windows PC(once you snap on the magnetic keyboard), and a tablet once you snap the keyboard off, but with full PC functionality. The OS is optimized for touch once there's no keyboard att...
by Que1999
Wed Jun 06, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 7455

Re: What commuter car provides the best long term financial value?

Definitely a certified used Prius. Get one that's a few years old.... Been driving mine for nearly 9 years with zero issues and maintenance, insurance and gas are significantly lower than anything else I've ever driven. The battery will last you a long time, don't believe the 'battery replacement' h...
by Que1999
Sat Jun 02, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retire or stick around?
Replies: 4
Views: 978

Re: Retire or stick around?

If you will have take-home of $12,500 and expenses of $4,500 (which will fall after mortgage is paid off), I can’t imagine why you wouldn’t retire once you have your 20 years. Inflation protection can be a legitimate concern, but not when your expenses are only about 1/3 of take-home income and you...
by Que1999
Sat Jun 02, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Retire or stick around?
Replies: 4
Views: 978

Retire or stick around?

Wondering if this is a viable option. I'm eligible for a 50% pension when I hit 44, which is 7 years away. Due to quirks in my pension system, extra contributions, and a guaranteed 8.25% interest rate... My numbers will be substantially higher than half-pay. By my calculations, foregoing inflation/r...
by Que1999
Wed May 30, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17948

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

If i could do it all over, I would probably stay at home a few years longer and then live in an 'affordable' rental all while funding a high-equity taxable account. Only when the market would be up, and I'd have enough to pay for a house in full, would I make the purchase. As I think about it now, I...
by Que1999
Tue May 29, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17948

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

All that said, I do get the psychological reasons for wanting to pay off the house and be done. Personally, it doesn't work for me since I still have so many other house-related costs I still have to pay -- which can easily be as much or more than the mortgage payment. It would be different if you ...
by Que1999
Thu May 24, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17948

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? I respectfully disagree. First, you certainly can lose your paid-off house if you don't make property tax payments, don't pay HOA fees (if any), can't afford...
by Que1999
Thu May 24, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17948

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would probably put $100k into the mortgage and invest the rest. Since mortgages are mostly front-loaded with interest, I'd take comfort in knowing that that $100k would be more weighted towards interest as opposed to the last $100k which would be more weighted towards principal payments. This is s...
by Que1999
Sat May 19, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3162

Re: Chase CS playing games w/me

I called Chase to make an extra principal payment of $5,000 yesterday towards my mortgage. I made it abundantly clear, by asking and stating numerous times that I would like the full $5,000 to go towards the PRINCIPAL. Today I double-check to make sure everything is good to go, and what do I see? I...
by Que1999
Fri May 18, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3162

Re: Chase CS playing games w/me

next time pay 5872.50 and you'll be fine... your next payment will most likely always be due and you just cause confusion when you try to slip in an extra principal payment "out of sequence"... It was never an issue until this last payment. Must be because of the phone call, I did the past years pr...
by Que1999
Fri May 18, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3162

Re: Chase CS playing games w/me

I called Chase to make an extra principal payment of $5,000 yesterday towards my mortgage. I made it abundantly clear, by asking and stating numerous times that I would like the full $5,000 to go towards the PRINCIPAL. Today I double-check to make sure everything is good to go, and what do I see? I...
by Que1999
Fri May 18, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3162

Re: Chase CS playing games w/me

Situation rectified: I understand wanting your payment applied as you intended. My name is Phaedra, and I'll be glad to correct how your payment was applied. William, I reapplied the $872.50 as an additional principal payment. Please allow 2 business days for your account to update. When you make a ...
by Que1999
Fri May 18, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3162

Re: Chase CS playing games w/me

So they pre-paid your next monthly payment I guess. Not ideal but not the end of the world. Double check when your next payment is due and I bet your next payment was already paid now. Yes, this is what they did. All of my prior years extra principal payments were applied as I asked, fully to princ...
by Que1999
Fri May 18, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3162

Re: Chase CS playing games w/me

https://imgur.com/E63QlSa https://imgur.com/3VotRAB I attempted to paste these pics into the post directly but that was taking too much time and had too many 'red letters' popping that weren't allowing it. One is my latest payment with the interest included, the other is one prior principal payment ...
by Que1999
Fri May 18, 2018 4:00 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3162

Re: Chase CS playing games w/me

Interest accumulates daily. All payments pay off accumulated interest first, then principal. So, when was your last regular payment and how many days have elapsed? Only way to apply entire extra amount to principal reduction is to add it on top of a regular payment. Sounds like their CS person was ...
by Que1999
Fri May 18, 2018 2:54 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3162

Chase CS playing games w/me

I called Chase to make an extra principal payment of $5,000 yesterday towards my mortgage. I made it abundantly clear, by asking and stating numerous times that I would like the full $5,000 to go towards the PRINCIPAL. Today I double-check to make sure everything is good to go, and what do I see? I ...
by Que1999
Fri Apr 27, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48914

Re: MoviePass-Too good to be true, but it's legit.

My son has a MoviePass and loves it. It's also an easy decision for the theaters. It's like a casino comping a room. It's already built, so any further use is pure profit. And they make the real money on the concessions. Is your son over 18? Wondering how some on here are getting around the age res...
by Que1999
Fri Apr 27, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48914

Re: MoviePass-Too good to be true, but it's legit.

27 movies since November! Average cost of tickets where I live are around $12-$15. I would say a quarter to half the movies are family movies, other half are myself and wife quality time, when one of the parents doesn't mind watching the grandkids or staying over the night. We absolutely love MovieP...
by Que1999
Fri Apr 20, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 32225

Re: How old are you and how much do you save for retirement a year

37 yo/DW 36. We max 2 401k's, 1 457 and 2 Roth IRAs. Also contribute extra to 1 pension to the tune of around 14-15k per year that grows @ 8.25%. Plan is to withdraw any excess contributions at retirement from the pension and roll over to an IRA. Annual total saved is $55,500 pre-tax, $11,000 Roth I...
by Que1999
Sun Mar 25, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to Roth IRA and Traditional ?
Replies: 7
Views: 492

Re: Contribute to Roth IRA and Traditional ?

Thank you all for the clarification....
by Que1999
Sun Mar 25, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to Roth IRA and Traditional ?
Replies: 7
Views: 492

Re: Contribute to Roth IRA and Traditional ?

So, I think I'm misunderstanding the traditional IRA in this sense... I would still pay the same taxes on any traditional IRA contributions as I would Roth contributions since, deferral of taxes and tax deductions are the same thing....? :oops:
by Que1999
Sun Mar 25, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to Roth IRA and Traditional ?
Replies: 7
Views: 492

Re: Contribute to Roth IRA and Traditional ?

If you're unable to deduct contributions to a traditional IRA, then the Roth is your only realistic choice. Do you have access to a 401k or 403b plan? Myself and DW have (1) 457, and (2) 401k's and are fortunate enough to max out all 3. The only reason I was wondering if this makes sense is because...
by Que1999
Sun Mar 25, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to Roth IRA and Traditional ?
Replies: 7
Views: 492

Contribute to Roth IRA and Traditional ?

I have only contributed to a Roth IRA for my working career, but now since I understand taxes a little better and realize that I live in a highly taxed state/city (NYC), I'm wondering if I can or even should contribute instead to a Traditional IRA?.... Household income surpasses the deductible limit...
by Que1999
Fri Mar 16, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 9069

Re: At what point does it make sense to pay down your mortgage?

For myself personally, I max out all tax-deferred and Roth's first and now I'm focused on taking out the mortgage since after the tax reform act I will no longer be itemizing. I have an emergency fund and a small taxable account should any liquidity issues arise, and myself and DW both have very sec...
by Que1999
Tue Mar 13, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 10157

Re: traveling to mexico, should I be concerned?

I would venture a guess that the crime stats coming from the Mexican police... well, maybe not the most reliable information to count on. That being said, the trip is booked.. There is a lot of stuff going on down there right now. Go, be careful, exercise an abundance of caution, and try to enjoy yo...
by Que1999
Mon Mar 12, 2018 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 9865

Re: Tax reform SALT affecting in Bay Area?

I'm in a HCOL area, one of the 4 boroughs outside of Manhattan. My tax guy included in his preparation of our 2017 taxes, an estimate of 2018 taxes with the same 'numbers' as 2017. Because of the cap on SALT, instant non-deductibility of mortgage interest, and loss of itemized deductions and job exp...
by Que1999
Thu Mar 08, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 20418

Re: What was your % pay raise?

I'm getting 3% at the end of March, 2018. Happy to see that.... But I've been waiting on DW to get a new contract! We're waiting for raises for her since 2011!! :oops: :annoyed
by Que1999
Thu Mar 08, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 760K home
Replies: 32
Views: 3500

Re: Can we afford a 760K home

You can definitely afford it. You've got a strong income and a good amount of investments, but the $18k in property taxes makes me nervous... Especially now after the whole cap on SALT taxes @ $10k per year. I think you'd be able to swing it but I would sell the apartment to simplify and put the pro...