Search found 146 matches

by Hukedonfonix4me
Mon Jan 13, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 50
Views: 5748

Re: 2020 Bogleheads Conference and Survey

Completed the survey. Thank you, Organizers!
by Hukedonfonix4me
Tue Dec 03, 2019 1:56 pm
Forum: Personal Investments
Topic: Choosing between 529 Plans
Replies: 22
Views: 903

Re: Choosing between 529 Plans

We chose the NY plan for the reasons you state above. We have opened and contributed for ~18 months so far. No complaints!
by Hukedonfonix4me
Tue Sep 24, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8946

Re: First car for child

But if you need to buy a car for your kid I am a big fan of small 2 door pickups for young kids. Small trucks limit your kid to 1-2 passengers so less driving distractions. Newer model small trucks are safe and come with the latest safety equipment. A used small truck is $18K or so. They last forev...
by Hukedonfonix4me
Mon Sep 23, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8946

Re: First car for child

But if you need to buy a car for your kid I am a big fan of small 2 door pickups for young kids. Small trucks limit your kid to 1-2 passengers so less driving distractions. Newer model small trucks are safe and come with the latest safety equipment. A used small truck is $18K or so. They last forev...
by Hukedonfonix4me
Mon Sep 09, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: 21 Years Old - Trying to learn young!!
Replies: 21
Views: 2206

Re: 21 Years Old - Trying to learn young!!

"CAN SOMEONE PLEASE EXPLAIN INDEX FUND/TARGET DATE/ETF?? THATS WHERE I GET LOST.." INDEX FUND- basket of stock/bonds where orders are executed at the end of each trading day. Can purchase fractional shares. ETF- basket of stock/bonds that can be traded during market hours just like an individual sto...
by Hukedonfonix4me
Fri Aug 30, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Which Weber charcoal grill?
Replies: 16
Views: 996

Re: Which Weber charcoal grill?

I would get the Performer with table. I have seen second hand weber performers on craigslist/Facebook marketplace for ~$200. I wish they had a 26inch version with the table :sharebeer
by Hukedonfonix4me
Thu Aug 29, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2849

Re: Maui Honeymoon Daily Spending Budget

Since you mentioned a Costco package and assuming you have a membership, I would recommend fueling up the car at Costco. It is very close to the (OGG) airport and generally much cheaper than anywhere else on the island that I have seen. I also pick up some snacks (e.g. mixed nuts), tenderloin ~$16/p...
by Hukedonfonix4me
Thu Jul 25, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Do pharmacies single out physician personal profiles?
Replies: 19
Views: 1515

Re: Do pharmacies single out physician personal profiles?

I am a pharmacist. I work in research and development. It has been a long time since I worked retail. I worked for Walgreens. We had a professional designation code for Doctors, dentists, and nurses to refer business they got a 10-15% price break on RXs and behind the counter items. Not sure if it ...
by Hukedonfonix4me
Tue Jul 09, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 126
Views: 9749

Re: Buying a Smoker

"Every so often I get an idea, and this time it's getting a smoker." I believe 100% you need a Weber Smokey Mountain. This is the absolute best and consistent cooker for the price range $300-$500 bucks retail. (depending on size, 14,18,22 inch) As others have mentioned, Komodo/egg type smokers are g...
by Hukedonfonix4me
Wed May 22, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Lowest cost 529 investment cost for out of state
Replies: 7
Views: 398

Re: Lowest cost 529 investment cost for out of state

I've found great information including an option to drill down 529 plans by state via side by side comparison at: https://www.savingforcollege.com/compare_529_plans/index.php?page=select_plans&plan_type_id= *Our family decided to use the NYsaves.org for the following reasons: No state income tax ben...
by Hukedonfonix4me
Thu Mar 28, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2528

Re: What golf ball do you use?

It's certainly not BAD information and covers a lot of the different pieces that are required to build a SIM, albeit, at a very basic level. I don't know this site's do's or dont's about posting links, but you can google "golf simulator forum" and you will find almost too much information on that s...
by Hukedonfonix4me
Thu Mar 28, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2528

Re: What golf ball do you use?

A little off topic, but I am researching indoor SIMs. Care to share what ya got? I was looking at Skytrak, just wish it was priced like Optishot. For hardware I have the Foresight GC2 launch monitor + HMT and Live View cameras. Software I use Foresight's old FR1 for range practice and ProTee's The ...
by Hukedonfonix4me
Thu Mar 28, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2528

Re: What golf ball do you use?

The ones from our office marketing closet. Usually a variety Titleist branded balls.

:sharebeer
by Hukedonfonix4me
Wed Mar 20, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: transportation from DFW to Dallas downtown?
Replies: 14
Views: 1075

Re: transportation from DFW to Dallas downtown?

uber/lyft is your best bet
by Hukedonfonix4me
Wed Mar 20, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 3075

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

We purchased Ooma when cutting the cord (cable/phone package) and significant other refused to let go of the landline. ~5-6 bucks a month and everybody is happy. Since purchase, I believe our landline has been used 3 times in order to call a lost cell phone....cell phone rang each time so I guess th...
by Hukedonfonix4me
Mon Mar 18, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6932

Re: lawn care cost

Mlm wrote:
Tue Mar 12, 2019 4:00 pm
.25 acre lot. I pay a local landscaping company $25 per week for mowing, trimming and cleanup.
+1 except bi-weekly service
by Hukedonfonix4me
Mon Mar 18, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: good book on social security?
Replies: 7
Views: 475

Re: good book on social security?

Mike Piper´s book is by far the best in its class. He is very well informed and up-to-date and he has a rare gift for writing extremely clearly about complicated topics. His book is very modestly priced and the software on his website is free. I'm ignorant on most aspects of social security. Howeve...
by Hukedonfonix4me
Mon Feb 11, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Any meal preppers? I need new dishes. [containers]
Replies: 22
Views: 2135

Re: Any meal preppers? I need new dishes.

Search the web for 'glass containers with snap lids'. You'll see a bunch of options. We use these types of containers for leftovers at home, and I'm sure they'd work well for taking lunch to work. I don't freeze in them (but I'm guessing you could), and I don't microwave the lids. This. Snapware gl...
by Hukedonfonix4me
Mon Feb 11, 2019 10:12 am
Forum: Personal Investments
Topic: 100% equities and looking to keep it simple
Replies: 13
Views: 1919

Re: 100% equities and looking to keep it simple

*This white paper by Vanguard is a good read on international diversification: https://www.vanguard.com/pdf/flgiecr.pdf *Taylor Larimore also has an (how much international: a suggestion?) thread on bogleheads that would be worth a search. *I like the thinking behind small cap value in the Roth IRA....
by Hukedonfonix4me
Tue Jan 29, 2019 4:46 pm
Forum: Personal Investments
Topic: HSA Bank > Fidelity?
Replies: 31
Views: 4872

Re: HSA Bank > Fidelity?

1.We just opened up a Fidelity HSA account and moved a dormant HSA that was incurring monthly fees. Now, no maintenance fees and we can invest 100% of the accounts value in Fidelity's ZERO Total Market Index (FZROX).

2. Cant speak for CA
by Hukedonfonix4me
Sun Jan 27, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How to transfer property to family member?
Replies: 2
Views: 486

How to transfer property to family member?

Wife has BIL house solely in her name. He is ready to have transfered into his name and be responsible for the property in its entirety. He is divorced, single. Purchase price ~$25,000 in 2010 out the door. 2018 Tax Statement shows land: $10,000 + improvements: $4,830 = $14,830 assessed. Residence b...
by Hukedonfonix4me
Mon Jan 14, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Fantastic Resort Recommendations???
Replies: 38
Views: 4598

Re: Fantastic Resort Recommendations???

Check out the "Sonnenalp." This is a small German inspired hotel located in Vail Village, CO. Very walkable, and some room rates include breakfast. I often dream about that breakfast which is substantial enough to be called brunch if your doing it right.

https://sonnenalp.com/
by Hukedonfonix4me
Mon Dec 31, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 22189

Re: Favorite Purchase of 2018?

New coat of interior paint and a few household upgrades we have put off for far too long. Hoping to ease maintenance load whenever we decide to sell and we get to enjoy in the meantime 8-)
by Hukedonfonix4me
Thu Dec 13, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 153
Views: 12193

Re: 3% Interest on checking and savings account - Robinhood

Interesting! I signed up for the list this morning. We shall see!
by Hukedonfonix4me
Tue Nov 20, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 2339

Re: Recommendations for Home Printer

This forum lead me to the "Brother" following...I bought the HL-L2395DW Laser Printer model. Prints and scans flawlessly. It also has the wi-fi printing option. I have found the text started to print in a very small font size from our household galaxy phone. No issues from the iPhone yet. Not sure t...
by Hukedonfonix4me
Tue Nov 20, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1976

Re: Which cars can be unlocked and started from a smart phone?

Lexus has this as a paid feature within their "Enform" suite. $16/month for safety+remote. This includes: •Vehicle Health Report •Stolen Vehicle Locator •Emergency Assistance Button •Automatic Collision Notification •Enhanced Roadside Assistance •Vehicle Finder •Guest Driver Monitor •Engine Start/St...
by Hukedonfonix4me
Mon Nov 05, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 9101

Re: Teaching kids there is ample amount of money

That's fine unless you actually do buy the bigger house, the vacation home, Porsche(s), boat, luxury travel, etc. Everything's relative. If you have $25m and live like you only have $15, you still have an issue. IMO what kids need to understand includes the following: 1. Your Net Worth has nothing ...
by Hukedonfonix4me
Mon Oct 29, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 11706

Re: Becoming frugal

*Clothes from thrift stores *Drink Water if eating out at restaurants (or bring a client and expense the meal) *Drink coffee provided in the office kitchen *"Gasbuddy" app for savings at the pump *Eat leftovers *No pets *Cut cord (no cable TV, HD antenna receiver for local channels) *Credit cards fo...
by Hukedonfonix4me
Thu Oct 11, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 2127

Re: Buying a pre-owned Lexus IS-250

We just bought a 2016 es-350 luxury edition with ~10k miles for $28,400 out the door. We were looking at Toyota but found a better deal on the Lexus due to oversaturation of this model in our market. Also, Lexus came with longer manufacturers warranty than the Toyota did. We keep cars 10-15 years.
by Hukedonfonix4me
Thu Sep 27, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: 529 plan use in 2018 - Homeschooling
Replies: 28
Views: 4188

Re: 529 plan use in 2018 - Homeschooling

MrPotatoHead wrote:
Sun Apr 08, 2018 4:51 pm
engin33r wrote:
Sun Apr 08, 2018 4:44 pm
Please post your reply. I am interested!
Copied you privately...
MrPotatoHead: I would be interested as well if you wouldn't mind another PM
by Hukedonfonix4me
Wed Sep 19, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 69
Views: 11087

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

Downloaded from iTunes. Looking forward to listening on the ride home. Thanks Rick!
by Hukedonfonix4me
Tue Jul 03, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Question about Cutting Cable
Replies: 18
Views: 2066

Re: Question about Cutting Cable

Not in your state but we paid $150-180/month for the internet/cable/DVR packages. After cutting the cord, we pay: Internet: $40 + Netflix: $10 = ~$50/month. We save ~1200/year and have not felt any pinch in available content. *We did spend ~20 one time charge for a HD Antenna receiver. This has been...
by Hukedonfonix4me
Fri Jun 22, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Two Toyotas - time to update for long trips?
Replies: 25
Views: 2435

Re: Two Toyotas - time to update for long trips?

Plenty of life in the cars but if you want piece of mind, just get a rental car for those trips. +1 We plan on doing this for a long weekend trip coming up. This time the rental is doubling as a test drive and therefore we picked a vehicle our family is interested in and rented directly from the de...
by Hukedonfonix4me
Wed Jun 20, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 246
Views: 46989

Re: What's your U.S. : International ratio?

80% US/20% INTL

We only had a developed international index available so the above includes 0% emerging markets exposure...
by Hukedonfonix4me
Mon Jun 18, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 14361

Re: Which boglehead rule do you break--and are ok with

msk wrote:
Mon Jun 18, 2018 6:41 am
FIBoston wrote:
Mon Jun 18, 2018 6:34 am
100% equities. yolo.
+1
+2
by Hukedonfonix4me
Tue Jun 12, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 13615

Re: Are you including SS in your planning model? Are the benefits really that high?

We do not include in our planning model due to young age. We have a long timeline and will adjust when necessary
by Hukedonfonix4me
Tue May 29, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 5122

Re: Do you have a monthly household budget?

Not anymore. We have automated our savings goals and spend the rest. I did use mint.com to keep an eye on expenses but haven't updated in a while.
by Hukedonfonix4me
Thu May 24, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 7979

Re: What’s your phone/internet bill?

Internet- $40/month (spectrum 12 month flat rate)
Cell phone-$165/month (3 lines with AT&T)
by Hukedonfonix4me
Tue May 22, 2018 12:15 pm
Forum: Personal Investments
Topic: Saving for a new baby
Replies: 6
Views: 870

Re: Saving for a new baby

Congrats! We are expecting our first in ~5 months. We just opened a New York 529 for the following reasons: -Live in a state without state income tax (no benefit for our state plan) -Reasonable Expense Ratio on available funds (.15 blanket ER regardless of chosen allocation) -No minimum contribution...
by Hukedonfonix4me
Thu May 03, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 5942

Re: Costco Vs Amazon Prime

I use both with different purposes.
by Hukedonfonix4me
Mon Apr 30, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Would you buy this? (Phone Question)
Replies: 18
Views: 1701

Re: Would you buy this? (Phone Question)

Just be warned that once you get roped into the iOS eco system, it's tough to convince people to leave. The next time it's time for a new phone she may be wanting a 8+, which will cost you $900+. While I don't disagree with your logic, these phones last a long time. I am on my second iPhone ever. O...
by Hukedonfonix4me
Mon Apr 30, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Would you buy this? (Phone Question)
Replies: 18
Views: 1701

Re: Would you buy this? (Phone Question)

Just be warned that once you get roped into the iOS eco system, it's tough to convince people to leave. The next time it's time for a new phone she may be wanting a 8+, which will cost you $900+. While I don't disagree with your logic, these phones last a long time. I am on my second iPhone ever. O...
by Hukedonfonix4me
Sun Apr 29, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 37904

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

[/quote]

Not yet married, soon too be
[/quote]

Gotcha, you have a family plan due to dependents and she has her single plan...for now congrats on the pending nuptials :beer
by Hukedonfonix4me
Sun Apr 29, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 8754

Re: Maple syrup

Costco :D
by Hukedonfonix4me
Fri Apr 27, 2018 3:33 pm
Forum: Personal Investments
Topic: Investing for a 17 y.o.
Replies: 18
Views: 2010

Re: Investing for a 17 y.o.

Leave the small cap and sector plays for when they have a grasp on the basics. That is setting them up for failure. Simplicity is key. TSM is a good option. Could also add Total Int to teach rebalancing (I personally think 17 is too young for bonds, I hold none at 26). Make sure they understand how...
by Hukedonfonix4me
Fri Apr 27, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Helping a niece begin investing
Replies: 13
Views: 1474

Re: Helping a niece begin investing

Send them this 16 page pdf by Bill Bernstein:

https://www.etf.com/docs/IfYouCan.pdf
by Hukedonfonix4me
Fri Apr 27, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Wellness rewards - evaluating their worth and taxability
Replies: 8
Views: 1090

Re: Wellness rewards - evaluating their worth and taxability

The company I work for has a wellness program. If we take a form to the doc and they complete the necessary tests and fax back to the company by a certain deadline, we get an adjustment on the first paycheck in December. I looked back at the paystub and the adjustment has an * which reads "excluded ...
by Hukedonfonix4me
Thu Apr 26, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 8676

Re: White Coat Investor Interviews Paul Merriman

Listened to the podcast yesterday. Wonderful post Mr. Merriman, another grateful young person elated to absorb the information you continue to provide. After submitting a 401k plan through the channels on your website, I was floored when I received a personal phone call from you verifying pertinent ...
by Hukedonfonix4me
Wed Apr 25, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How far I am behind in retirement savings?
Replies: 52
Views: 7533

Re: How far I am behind in retirement savings?

Since Klangfool has all the math under control, I would generally say you are on the right track assuming your expenses do not increase, annual savings rate is consistent, and market returns ~4% real. Congrats on the achievement!