Search found 203 matches

by ImmigrantSaver
Tue Jun 19, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 318

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

Do you think it wasn't a problem for you mostly because you happen to early retire during the bull market. (I am assuming here as I don't know your exact timeline) I semi-retired in 2007 and saw my equities drop by about 50%. My taxable account was 100% equities and has been that way for at least a...
by ImmigrantSaver
Tue Jun 19, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 318

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

With multiple accounts, I use the tools I described in this thread to show my overall asset allocation: https://www.bogleheads.org/forum/viewtopic.php?t=150267 so I don't make each account have the same asset allocation, but really only look at the overall total portfolio asset allocation. To anybo...
by ImmigrantSaver
Tue Jun 19, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 318

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

..., I might end up with significantly less money to live on. Is that a valid concern, or am I stuck in some mental accounting trap? Not a valid concern in my opinion. I am was early retired. Now I am simply retired because I got old. Do you think it wasn't a problem for you mostly because you happ...
by ImmigrantSaver
Tue Jun 19, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 318

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

If by smooth the portfolio you mean keep it properly at desired asset allocation, then I agree it can be helpful to have assets you need in tax deferred accounts to rebalance without capital gains taxes. The usual result of tax location advice is to keep all of one's bonds in tax deferred but that ...
by ImmigrantSaver
Tue Jun 19, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 318

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

With multiple accounts, I use the tools I described in this thread to show my overall asset allocation: https://www.bogleheads.org/forum/viewtopic.php?t=150267 so I don't make each account have the same asset allocation, but really only look at the overall total portfolio asset allocation. To anybo...
by ImmigrantSaver
Tue Jun 19, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 318

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

BeBH65 wrote:
Tue Jun 19, 2018 10:17 am
Are you aware of this wiki page: Tax-efficient_fund_placement? There might be some additional info there.
I am, thanks! I know I would lose some foreign tax credit but was wondering if there are any other cons to my strategy.
by ImmigrantSaver
Tue Jun 19, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 318

Asset Location question – Mimicking Asset Allocation in 401k and taxable

Hello, Until recently I didn’t have a good international option in my 401K so I kept most of my international allocation (VTIAX) in taxable account. Last year my 401k got an option of Fidelity International index FSGDX and I’ve been slowly allocating to it. Current mix of US/International is 80/20 i...
by ImmigrantSaver
Fri Jun 15, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2688
Views: 518157

Re: What's Your Credit Card Rewards Strategy?

Chase Freedom 5% categories for Q3 can be activated starting today. It is Gas, Lyft, and Walgreens. Unfortunately these are of no use for me. I already get 5% on gas from my Amex Blue Cash, and even better, right now I'm getting 10% back at Exxon/Mobil stations through another Amex promotion (throu...
by ImmigrantSaver
Mon May 07, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Please talk me into saving more in retirement instead of home down payment
Replies: 13
Views: 2273

Re: Please talk me into saving more in retirement instead of home down payment

Please tell me that based on my current circumstances we are making a right decision that we won't regret later. You can almost always take your contributions(but not earnings) out of Roth so there is little downside to putting the money in the Roth since you can still use it for a downpayment. Som...
by ImmigrantSaver
Thu May 03, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house and High tax state.. Does it make sense anymore??
Replies: 28
Views: 2237

Re: Buying a house and High tax blue state.. Does it make sense anymore??

House I'm planning to buy is around 800K and I currently pay 32k/year rent. Well its not a typical case, because my landlord hasn't increased rent for 10 years...hez got too many properties to worry about this one and cares more about someone with stable income and keep the house neat.. ( Doesn't m...
by ImmigrantSaver
Tue May 01, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

I understand that it's not really an investment. But I think I still would be able to write off the interest and taxes from my taxes even if I don't live in the place.. It would be treated as personal property. There were some major changes in taxes for 2018 that affect those particular deductions....
by ImmigrantSaver
Tue May 01, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 8464

Re: Series I Bonds in April/May 2018

Fixed rated 0.3% Ahh. Bought mine in January :oops: Oh well I split 50/50; I bought $5000 worth yesterday and will be buying $5000 worth in the new period. Oh well, but I was agonizing over something that wasn't going to make a huge difference even over a 30 year holding period. Yeah, I just decide...
by ImmigrantSaver
Tue May 01, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 8464

Re: Series I Bonds in April/May 2018

TdF fan wrote:
Tue May 01, 2018 9:03 am
Fixed rated 0.3%
Ahh. Bought mine in January :oops: Oh well
by ImmigrantSaver
Tue May 01, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

I considered finding a better rental but they are somewhat against that because the rent will increase to market. They say that in that case they'd rather stay in their current rental so I don't "waste" even more money on rent. In their head if I buy the place, at least it would an investment. They...
by ImmigrantSaver
Mon Apr 30, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

I considered finding a better rental but they are somewhat against that because the rent will increase. They say that in that case they'd rather stay in their current rental so I don't "waste" even more money on rent. In their head if I buy the place, at least it would an investment. They are 62 an...
by ImmigrantSaver
Mon Apr 30, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

My parents are low-income due to disability, so I’ve been helping them pay the rent for the past several years. I am considering buying them a 1-bed coop apartment instead. Do you think I can afford it? Yes, you could afford it. But you might want to consider having them find an apartment in a bett...
by ImmigrantSaver
Mon Apr 30, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

I haven't seen this response from anybody else, but couldn't this apartment be a reasonable investment? About 20 years ago, we considered the same thing for my wife's mother. It never took off as originally planned, with all siblings chipping in, but one couple made the decision to move forward, an...
by ImmigrantSaver
Mon Apr 30, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

Neuron wrote:
Mon Apr 30, 2018 1:16 pm
If the issue is just that it is dirty, wouldn't it be cheaper to pay for a cleaner?
It's not that simple. The building needed to be renovated like 15 years ago :(
by ImmigrantSaver
Mon Apr 30, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

I think it is a very noble gesture. Do your parents want to move? Are they unhappy with their apartment? It sounds like the apartment itself is decent but the lobby and amenities are dirty/older. The purchase would really stretch your budget. Insurance, taxes, maintenance, updates. I'm not sure you...
by ImmigrantSaver
Mon Apr 30, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

I would just move them to a nicer apartment and continue to subsidize the rent. Please read this before doing anything: http://jlcollinsnh.com/2014/02/20/case-study-10-should-josiah-buy-his-parents-a-house/ I agree with this approach as well. Can they afford $1000 a month? I had family rent a very ...
by ImmigrantSaver
Mon Apr 30, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

Jags4186 wrote:
Mon Apr 30, 2018 11:24 am
I would just move them to a nicer apartment and continue to subsidize the rent.

Please read this before doing anything:

http://jlcollinsnh.com/2014/02/20/case- ... s-a-house/
Very interesting article that covers the points I haven't thought about. Thanks!
by ImmigrantSaver
Mon Apr 30, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

Oh the money was set aside for the housing downpayment. I can't wait to get rid of the cash :) Whatever is leftover will get invested! So are choosing between paying a fixed 4.5% vs. unknown but probably higher expectations from investing. It's a matter of your ability and need to accept risk for p...
by ImmigrantSaver
Mon Apr 30, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

Thank you everyone for the prompt responses. I just wanted to make sure I am not considering something completely "out of my league" :sharebeer
by ImmigrantSaver
Mon Apr 30, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

Of course you CAN afford it. Whether you want to is a different story. I would not do this in your situation (or probably any situation) but that is just me. Also, if they are low income why are they living in such expensive places? We don’t know where OP’s parents are, but in locations where COOP ...
by ImmigrantSaver
Mon Apr 30, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

Thank you for you response. How much would you recommend putting down? 50%? Depends on why you have all that money in a savings account. You certainly want to keep sufficient liquidity for emergencies and whatever else that money is intended for. Avoiding paying 4.5% is attractive compared to curre...
by ImmigrantSaver
Mon Apr 30, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

Yes, I think you could afford it, since you appear a good saver. (Have you considered what will change when/if you get married? The future is hard to see.) Will leave it to others to analyse it. Is the apt. handicapped accessible? Disabilities may increase, needs may increase, special care or housi...
by ImmigrantSaver
Mon Apr 30, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

I can’t do math this morning, so I’ll leave that to others, but a couple of random thoughts... With rent controlled apartments, you have to figure that you’ll be doing your own maintenance inside the four walls of the apartment. It isn't in the landlord’s financial interest to do any more than the ...
by ImmigrantSaver
Mon Apr 30, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Re: Help me decide if I can afford to buy an apartment for parents

Seems like you can afford it even though it is a large initial expense and also an ongoing expense since presumably your parents will pay $1,000 in rent and the initial carrying costs will be $1,800. Expect maintenance charges including taxes to increase 2-3% a year or at the prevailing inflation r...
by ImmigrantSaver
Mon Apr 30, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2286

Help me decide if I can afford to buy an apartment for parents

Hi everyone, My parents are low-income due to disability, so I’ve been helping them pay the rent for the past several years. I am considering buying them a 1-bed coop apartment instead. The purchase would be primarily because their current rental building is very, VERY poorly maintained (dirty/nasty...
by ImmigrantSaver
Fri Apr 27, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 32099

Re: KF's simple rules to achieve FI [Financial Independence]

Folks, The followings are some of the rules that I used. It may work for some folks. On this thread, I will compile some of them and provide the reasoning and thought behind those rules. You should adjust them based on your own circumstances. I am an engineer. So, I am biased towards my income and ...
by ImmigrantSaver
Fri Apr 27, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 32099

Re: KF's simple rules to achieve FI [Financial Independence]

Folks, The followings are some of the rules that I used. It may work for some folks. On this thread, I will compile some of them and provide the reasoning and thought behind those rules. You should adjust them based on your own circumstances. I am an engineer. So, I am biased towards my income and ...
by ImmigrantSaver
Fri Apr 06, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7159

Re: Your Monthly Cost of Living

Single, Chicago North Side Mortgage: $981 Property Taxes: $290 (Escrow) Condo Fees: $710 Home Insurance: $33 ($400 annual) Electricity: $50 Cable/Phone/Internet: $40 Mobile Phone: $65 CTA Transit Pass: $25 Laundry: $25 Groceries: $325 Total non-discretionary: $2,544 The condo fees are the killer in...
by ImmigrantSaver
Fri Apr 06, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7159

Re: Your Monthly Cost of Living

these threads always seem to flow to a feel of ..... "my costs are lower than yours" . Texas - 2 adults, 1 HS kid at home, 1 kid at univ. 1. Housing: $3035 (mortgage 1510, prop tax 800, Insurance 225,Utilities 500) 2. Transportation: @500 (Insurance -4 cars, Gas, registration/repairs, tolls, no loa...
by ImmigrantSaver
Fri Apr 06, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7159

Re: Your Monthly Cost of Living

these threads always seem to flow to a feel of ..... "my costs are lower than yours" . Texas - 2 adults, 1 HS kid at home, 1 kid at univ. 1. Housing: $3035 (mortgage 1510, prop tax 800, Insurance 225,Utilities 500) 2. Transportation: @500 (Insurance -4 cars, Gas, registration/repairs, tolls, no loa...
by ImmigrantSaver
Fri Apr 06, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7159

Re: Your Monthly Cost of Living

NYC, single Rent/utilities $3050 ($1000 of which is parent's rent I cover) Transporation $120 subway card (pretax money) Groceries: maybe $100 (get tons of cooked meals from above metioned parents :wink: ) Overall spend roughly $2k per month excluding housing - 80% of which is on travel/eating out/e...
by ImmigrantSaver
Thu Mar 29, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really have to pay estimated taxes this year?
Replies: 19
Views: 2425

Re: Do I really have to pay estimated taxes this year?

How big is the penalty? Turbotax is suggesting I prepay 16k in taxes this year which i find a bit steep. I haven't received the penalty this year because my guess is I withheld >90%. Not sure that will be the case this year, though my income will only increase slightly and no capital gains projecte...
by ImmigrantSaver
Thu Mar 29, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really have to pay estimated taxes this year?
Replies: 19
Views: 2425

Re: Do I really have to pay estimated taxes this year?

How big is the penalty? Turbotax is suggesting I prepay 16k in taxes this year which i find a bit steep. I haven't received the penalty this year because my guess is I withheld >90%. Not sure that will be the case this year, though my income will only increase slightly and no capital gains projecte...
by ImmigrantSaver
Thu Mar 29, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really have to pay estimated taxes this year?
Replies: 19
Views: 2425

Re: Do I really have to pay estimated taxes this year?

How big is the penalty? Turbotax is suggesting I prepay 16k in taxes this year which i find a bit steep. I haven't received the penalty this year because my guess is I withheld >90%. Not sure that will be the case this year, though my income will only increase slightly and no capital gains projected...
by ImmigrantSaver
Tue Mar 27, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: NYC Real Estate
Replies: 13
Views: 1776

Re: NYC Real Estate

I have been a renter for the 6 years that I have lived in Manhattan NYC. I have done well renting and investing the rest... and dont NEED to own a "Home". Also I don't have any debt at this point and am not necessarily looking to take any on. I have a little of 3M in 60/40 stock/bond portfolio and ...
by ImmigrantSaver
Mon Mar 26, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: TLH question: Am I missing anything?
Replies: 22
Views: 1122

Re: TLH question: Am I missing anything?

I disagree that VSS is always tax inefficient. It depends on your tax situation. For me, VSS costs only 2x as much as the Vanguard Total International Stock Market index -- 28bp vs 14bp. However, I would not hold the Vanguard Total International fund anyway because last year it cost 7x the iShares ...
by ImmigrantSaver
Mon Mar 26, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: TLH question: Am I missing anything?
Replies: 22
Views: 1122

Re: TLH question: Am I missing anything?

vk_217 wrote:
Mon Mar 26, 2018 2:40 pm
How do we report/show TLH? Will I get a separate form from VG at the end of the year?
Yes, I had it on the Vanguard tax form
by ImmigrantSaver
Mon Mar 26, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: TLH question: Am I missing anything?
Replies: 22
Views: 1122

Re: TLH question: Am I missing anything?

OK. Is my understanding correct of TLH? If I TLH a $1000 loss I can deduct my marginal tax rate of 22% so my actual loss for that year is only $780? And from what I understand the max TLH benefit is $3500 yearly? So I would have to TLH a loss of $15,909 dollars to get my full yearly loss of $3500. ...
by ImmigrantSaver
Mon Mar 26, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: TLH question: Am I missing anything?
Replies: 22
Views: 1122

Re: TLH question: Am I missing anything?

OK. Is my understanding correct of TLH? If I TLH a $1000 loss I can deduct my marginal tax rate of 22% so my actual loss for that year is only $780? And from what I understand the max TLH benefit is $3500 yearly? So I would have to TLH a loss of $15,909 dollars to get my full yearly loss of $3500. ...
by ImmigrantSaver
Mon Mar 26, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: TLH question: Am I missing anything?
Replies: 22
Views: 1122

Re: TLH question: Am I missing anything?

Earl Lemongrab wrote:
Mon Mar 26, 2018 1:51 pm
It doesn't matter what you do in a 401(k). Those don't participate in wash sales. Only IRAs.
Right. I was more worried about selling something I purchased less than 30 days ago..
by ImmigrantSaver
Mon Mar 26, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: TLH question: Am I missing anything?
Replies: 22
Views: 1122

Re: TLH question: Am I missing anything?

I think it is fine to exchange VTIAX to VFWAX and not worry about VFSVX/VSS. I would not have VFSVX/VSS in taxable ever again. I guess the 2/5 lot is fine to keep because it might have a gain after today. I think it is fine to sell the 3/15 lot of VTSAX by putting $5K into Money Market for withdraw...
by ImmigrantSaver
Mon Mar 26, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: TLH question: Am I missing anything?
Replies: 22
Views: 1122

Re: TLH question: Am I missing anything?

Fixed both typos. Apologies.

@ Aristotelian: The first one is VTIAX - that's my largest position in taxable. The second one is VTSAX. Does that change your answer?
by ImmigrantSaver
Mon Mar 26, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: TLH question: Am I missing anything?
Replies: 22
Views: 1122

TLH question: Am I missing anything?

I might be late to the TLH party since the market is going up again today but I might still do it and I have a couple of questions. Here are the potential TLH candidates in my taxable account. VTIAX $42,707 (purchased 3/15) with the loss of $1,713. Previous purchase from 2/05 has only minor loss VTS...
by ImmigrantSaver
Tue Mar 13, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Who's doing 100% international equity?
Replies: 79
Views: 9227

Re: Who's doing 100% international equity?

bloom2708 wrote:
Tue Mar 13, 2018 3:17 pm


I've thought more and more about going 50/50/50/50. 50% stocks/50% bonds/50% US/50% International/50% Treasuries/50%corporates and any other 50/50s you can add.

The Nobody Knows Nothing 50/50 portfolio. :wink:
50/50 prepaying mortgage/investing in taxable :wink:
by ImmigrantSaver
Wed Feb 21, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38825

Re: What UN-frugal thing do you do?

RRAAYY3 wrote:
Wed Feb 21, 2018 5:59 pm
ImmigrantSaver wrote:
Wed Feb 21, 2018 5:11 pm
Que1999 wrote:
Wed Feb 21, 2018 4:22 pm
..... Live in NYC. :|
+1
Ha, I was in nyc Saturday night - and was quickly reminded of why I stopped going out in the city

Almost $40 for 2 decent cocktails!?
Yeah, I have switched to bottle of Argentinian Malbec and stay in a long time ago :)
by ImmigrantSaver
Wed Feb 21, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38825

Re: What UN-frugal thing do you do?

Que1999 wrote:
Wed Feb 21, 2018 4:22 pm
..... Live in NYC. :|
+1