Search found 70 matches

by mattyfu1
Fri Dec 07, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Warm-up before basketball game with space constraints?
Replies: 21
Views: 1117

Re: Warm-up before basketball game with space constraints?

*Jumping jacks *Dribbling drills (figure eights through the legs - keep ball low, keep head up) *Suicides in the parking lot *Shooting at an imaginary hoop (one-hand shots, elbow in, arc, imagine ball going over rim and swishing in...visualizing) *Defensive stance, defensive slides, footfires *Stre...
by mattyfu1
Thu Dec 06, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Warm-up before basketball game with space constraints?
Replies: 21
Views: 1117

Re: Warm-up before basketball game with space constraints?

Varsity Girls Basketball Coach here in NY - Sometimes my girls have to warm up in hallway while the boys finish practice. 1. Stretch - https://kidshealth.org/en/teens/stretching-vd.html - dynamic stretches are important as it gets the kids moving and the heart beating. 2. Simple Ball Drills - Have k...
by mattyfu1
Mon Nov 19, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: San Juan, Puerto Rico
Replies: 11
Views: 1579

Re: San Juan, Puerto Rico

I always stay at El Convento - or at least stop there for a drink - beautiful hotel - was an old convent.
https://www.elconvento.com/

Have fun!
by mattyfu1
Thu Nov 15, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29197

Re: [Financial] Habits of the Rich

I love having no car payments I am 36 and live on Long Island. Many of my friends bought expensive SUV's when the kids started being born. I bought my Dad's Kia and a minivan (30k cheaper than most huge SUVs). Both are paid off and each has under 50k miles. I also enjoy not having cable. All in all ...
by mattyfu1
Wed Nov 14, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3451

Re: Enjoying Your Work

I was in the same boat. Sales job making over 100k in my mid twenties. I received a commission check for 15k one day and stared at it my whole commute home (LIRR). Spoke with my wife and told her how the money did nothing for me. I could save it, buy something, whatever, I had no joy in my work lif...
by mattyfu1
Tue Nov 13, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3451

Re: Enjoying Your Work

I was in the same boat. Sales job making over 100k in my mid twenties. I received a commission check for 15k one day and stared at it my whole commute home (LIRR). Spoke with my wife and told her how the money did nothing for me. I could save it, buy something, whatever, I had no joy in my work life...
by mattyfu1
Wed Aug 22, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Prop Taxes - No mortgage
Replies: 20
Views: 2536

Re: Paying Prop Taxes - No mortgage

Thank you everyone for the info!
by mattyfu1
Wed Aug 22, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Prop Taxes - No mortgage
Replies: 20
Views: 2536

Paying Prop Taxes - No mortgage

Hello Friends, Current prop taxes are roughly $10,000 I have no mortgage on my home. Tax payments are quarterly _________________________________ I plan on paying my taxes from my yearly income I will save roughly $834 a month and let the money sit in my MARCUS Goldman Sachs savings account (1.85%) ...
by mattyfu1
Tue May 29, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 32092

Re: The Side Hustle

Teacher in NY - Long Island -I have an ACT/SAT tutoring business - nets me around 10k year -Real Estate - nets me around 6k a year (very passive) -Coach 3 sports - nets me around 18k year Long term goal is to have real estate portfolio net me 4k monthly (passive) During summer months I push pause an...
by mattyfu1
Mon May 07, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2333

Re: Real Estate Commissions - How Negotiable?

Great question - I am dealing with this on Long Island NY right now. I find most agents will not move their % if they have to split with another agent. However, if an agent has both the buyer and seller as a client, they will drop a point (maybe). There are other factors as well. Has the house been...
by mattyfu1
Thu May 03, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2333

Re: Real Estate Commissions - How Negotiable?

Great question - I am dealing with this on Long Island NY right now. I find most agents will not move their % if they have to split with another agent. However, if an agent has both the buyer and seller as a client, they will drop a point (maybe). There are other factors as well. Has the house been ...
by mattyfu1
Thu Apr 12, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 7126

Re: Could you support family on 1 income?

I am a teacher in NY and when my wife had our first baby we decided she would stay home. One income on Long Island (expensive). We struggled our first year and I decided to start a 2nd business: SAT/ACT tutoring business. 3 years later, the business now nets more than I make teaching and my wife has...
by mattyfu1
Wed Mar 14, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156222

Re: Boglehead Beer

HEADY TOPPER - The Alchemist - Stowe Vermont
Best beer you will ever drink.
Very hard to get
by mattyfu1
Wed Mar 14, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156222

Re: Boglehead Beer

BogleBoogie wrote:
Mon Mar 12, 2018 10:59 am
There is no room in life for cheap beer. Find the beer that you enjoy that is the best value and go that way. I've noticed the local stores rotate what is on sale. So the same 12 back fluctuates from $11.99 to $15.99. When it is on the lower side I grab a few. I never pay full price.
+1
by mattyfu1
Fri Nov 17, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 2217

Re: Questions for Boglehead runners

After a thread about marathoner gift suggestions revealed how serious some of us are about running, I thought I'd ask: 1) How much do you spend each year on running, including gear/shoes, entry fees, PT, travel, etc.? 2) How do you fit the miles into your presumably busy life? 3) If you listen to p...
by mattyfu1
Thu Oct 26, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: How Often to Check Financial Email Account?
Replies: 11
Views: 1606

Re: How Often to Check Financial Email Account?

I go into the actual accounts and check my numbers every day

-Vanguard (Roths, 529'S, Investments)
-Chase checking (DW and I are linked)
-Cap one credit card (I use rarely)
-Chase business account (Real Estate Business)

-MattyFu
by mattyfu1
Wed Oct 25, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: How to Start Tutoring Service
Replies: 12
Views: 1353

Re: How to Start Tutoring Service

A family friend tutors high school kids through a web site called Wyzant. Wyzant pairs tutors with students and handles the payment processing side of the business. She felt Wyzant was very fair and they even have policies that encouraged her to keep working through them after a few sessions when s...
by mattyfu1
Wed Oct 25, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: How to Start Tutoring Service
Replies: 12
Views: 1353

Re: How to Start Tutoring Service

Hi! I currently run a tutoring business on Long Island in NY. I tutor ACT/SAT. I started from nothing and now make over 3k a month. The fact that you have a Science background is amazing, you can charge top dollar and not have much competition. 1. I would go for the High School students as there is ...
by mattyfu1
Tue Oct 24, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 6376

Re: what is your weekly workout routine?

On MWF I do this Bodyweight workout: 5 sets each of: 10 pull-ups (including wide grip, close grip, and chin-ups) 10 squats 10 pushups Planks: 30 sec each front plank, right side plank, left side plank, then stretch 3-5 times a week I walk 3 miles. I've been working out for decades. Doing Bodyweight...
by mattyfu1
Fri Oct 20, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 3643

Re: Finally a win for teachers!! [403(b) modified to add funds]

After 3 years I finally convinced the district to add Vanguard and Fidelity to our 403b list. Long story short, in 2012 those vendors were removed from our "approved" list with no explanation given. I met with our business administrator to see what I had to do to get them back, she told me nothing ...
by mattyfu1
Mon Oct 16, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: Barclays Increase APY to 1.30%
Replies: 9
Views: 1102

Re: Barclays Increase APY to 1.30%

DaftInvestor wrote:
Mon Oct 16, 2017 3:25 pm
mattyfu1 wrote:
Mon Oct 16, 2017 1:03 pm
Just moved my savings to GSachs @ 1.20% - we think GS will follow?
Go look at your account - they moved to 1.3% last week.
Confirming yes! 1.30% love it
by mattyfu1
Mon Oct 16, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 7233

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

I am a teacher in NY and make a good salary - over 80k Action I took was starting my own business : SAT /ACT tutoring. I now make more tutoring than I do teaching and in less hours. I make my own schedule and keep growing. My wife is home now with our young babies, I have 0 debt and am saving thousa...
by mattyfu1
Mon Oct 16, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Barclays Increase APY to 1.30%
Replies: 9
Views: 1102

Re: Barclays Increase APY to 1.30%

Just moved my savings to GSachs @ 1.20% - we think GS will follow?
by mattyfu1
Thu Oct 05, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 13821

Re: Millionaire Next Door (Thank you Bogleheads)

Amazing and inspiring!! Thank you for the share - working my way ! Side note question: Entering the "Millionaire Next store" club : -Is this a liquid million (cash, stocks) ? -Can it also include real estate (paid off or not), trusts or other assets that are paid off? Maybe there is no real definiti...
by mattyfu1
Tue Oct 03, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Newborn
Replies: 20
Views: 1923

Re: Dental/Vision Insurance for Newborn

runner3081 wrote:
Tue Oct 03, 2017 4:56 pm
aristotelian wrote:
Tue Oct 03, 2017 2:42 pm
Pretty sure you would need teeth in order to need dental coverage...But for a couple bucks a month I would probably still take it.
I would not enroll a newborn in dental. Complete waste of money. You have the opportunity to enroll them each open enrollment. Wait until they are at least 2.
+1
by mattyfu1
Mon Oct 02, 2017 6:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998
Replies: 47
Views: 6841

Re: Retirement Class of 1998 (Sheepdog's Experience)

I am 35 and working my way towards financial independence.

I love this post, the perspective is worth more than any dollar I can save.

Most appreciated.

-Matt
by mattyfu1
Mon Oct 02, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 24184

Re: What age did you become debt free and what opportunities did it create?

I am 35 and am debt free. Just sold my house, don't use credit cards and hate new cars :D Opportunities it created: I travel more, actually downsized and simplified my life, started my own business (SAT tutoring) For me, having no debt allowed me time to think of ideas and opportunities. This way of...
by mattyfu1
Thu Jun 01, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2028
Views: 377090

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

2.6%

BND - VXUS - VYM
by mattyfu1
Wed May 31, 2017 7:00 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 32092

Re: What do you guys do on the side?

I am a teacher in NY - make about 88k I have an SAT/ACT tutoring business that nets me roughly 3k a month Sept-June. Allows my wife to stay at home with kids and us live a nice lifestyle even on Long Island. Best, Matt Fu One of my good friends does SAT tutoring fulltime. He got into b school sever...
by mattyfu1
Tue May 30, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 32092

Re: What do you guys do on the side?

I am a teacher in NY - make about 88k

I have an SAT/ACT tutoring business that nets me roughly 3k a month Sept-June.
Allows my wife to stay at home with kids and us live a nice lifestyle even on Long Island.

Best,

Matt Fu
by mattyfu1
Tue May 30, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Should I move or not?
Replies: 7
Views: 1254

Re: Should I move or not?

- My kids are 4 and 2 - I hate the term "dream home" - hahaha sorry I used it - We just need a little more space. -I understand the building of equity if I kept it, hence my back and forth with the decision. Update: *I spoke with my sister who is a real estate agent and the owner of the agency she w...
by mattyfu1
Tue May 30, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I move or not?
Replies: 7
Views: 1254

Re: Should I move or not?

Thanks for advice - I think a large part of this is whether the market is going to top out or continue to rise.
by mattyfu1
Tue May 30, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Should I move or not?
Replies: 7
Views: 1254

Should I move or not?

Hello Fellow Bogleheads, As always thank you for the help - your advice is worth so so much! The current city I live in within NY is going through a spike in real estate. Houses are going for asking prices and sometimes even a bidding war. I have the opportunity to move into a 2 bedroom apartment ow...
by mattyfu1
Fri Apr 07, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 4936

Re: Telling Family About Daughters 529 For Gifts

I do not think you can tell people what to do, however I has asked family members to "think" about it.
I have found that they now still get a toy or 2, but throw in a nice donation.

I also mention how easy it is with the link I can send them.

Good Luck!
by mattyfu1
Fri Apr 07, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: How does one determine their "number" and what exactly does it mean?
Replies: 116
Views: 13314

Re: How does one determine their "number" and what exactly does it mean?

I struggle with this question as well: My wife and I are teachers in NY. We are 35 years old and should make the following at retirement: These are POST tax numbers: Her: $48,300 Me: $63,000 TOTAL: $111,300 MONTHLY: $9,275 *I have a trust that will pay for my 2 kids college education *No debt I do n...
by mattyfu1
Tue Apr 04, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40750

Re: Low-earners- What is your profession?

Me - teacher in NY - earning 86k Wife - teacher in NY - currently on maternity 2 small kids (2 and 4) -No Debt -Strict Budget (no cable, rarely eat out, rarely shop for things not in budget) -Currently save 5% of my income (my mortgage/taxes is 50% of my monthly budget - NY living - can't seem to s...
by mattyfu1
Tue Apr 04, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40750

Re: Low-earners- What is your profession?

Me - teacher in NY - earning 86k Wife - teacher in NY - currently on maternity 2 small kids (2 and 4) -No Debt -Strict Budget (no cable, rarely eat out, rarely shop for things not in budget) -Currently save 5% of my income (my mortgage/taxes is 50% of my monthly budget - NY living - can't seem to sp...
by mattyfu1
Mon Apr 03, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: iPhone 6S battery issues
Replies: 14
Views: 1393

Re: iPhone 6S battery issues

https://www.amazon.com/Btopllc-3500mAh-Portable-Charging-Extended/dp/B06XBZKGN7/ref=sr_1_3?s=wireless&ie=UTF8&qid=1491188520&sr=1-3&keywords=iphone+6s+battery+case OP, Get an IPhone 6S battery case, it is less than $20 and you do not have to open up your Iphone 6S and try to fix it. KlangFool Ended...
by mattyfu1
Mon Apr 03, 2017 6:36 am
Forum: Personal Consumer Issues
Topic: iPhone 6S battery issues
Replies: 14
Views: 1393

Re: iPhone 6S battery issues

thanks everyone for the info!
by mattyfu1
Sun Apr 02, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: iPhone 6S battery issues
Replies: 14
Views: 1393

iPhone 6S battery issues

Hello! My phone battery currently goes from 100% to 50% within the initial half hour of use after charging and dies an hour later. The phone is around 2.5 years old and has no visible issues. I do not have an upgrade in the near future. Apple said I would need to buy a new battery. $$$ Wondering if ...
by mattyfu1
Wed Mar 29, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: BEHR Premium Deckover
Replies: 12
Views: 3608

Re: BEHR Premium Deckover

barnaclebob wrote:Never use a film forming product on a deck. None of them will last.

I'm happy with a product called one time wood but will need a reapplication to horizontal surfaces this summer about 6 years after first application and 2 years overdue...
thanks for info!
by mattyfu1
Wed Mar 29, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: BEHR Premium Deckover
Replies: 12
Views: 3608

Re: BEHR Premium Deckover

*I live in New York, beach community on Long Island.
by mattyfu1
Wed Mar 29, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: BEHR Premium Deckover
Replies: 12
Views: 3608

BEHR Premium Deckover

Hello Everyone,

It has been 2 winter seasons since I painted my deck with BEHR Premium Deckover.
My deck is currently peeling very badly and looks horrible. I followed all instructions, two coats etc.

I have followed up with BEHR to procure a refund.

Wanted to spread the word.

Best,

MattyFu
by mattyfu1
Tue Mar 28, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: $50 AMEX Gift Card - What does a Boglehead/minimalist do?
Replies: 29
Views: 3088

Re: $50 AMEX GIFT CARD - What does a Boglehead/minimalist do?

jebmke wrote:Since when did being a Boglehead come to mean minimalism? Somehow, sound fiscal management morphed to eating road pizza and munching on pine cones. I don't subscribe to that characterization.
Did not mean to put those words into one characterization. I was just describing me. :D
by mattyfu1
Tue Mar 28, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: $50 AMEX Gift Card - What does a Boglehead/minimalist do?
Replies: 29
Views: 3088

$50 AMEX Gift Card - What does a Boglehead/minimalist do?

Hello Friends, Just turned 35 and can't thank this forum enough for all the advice. My sister gave me a $50 AMEX gift card and I literally can not think of anything to do with it. I live a very minimal lifestyle and hate "stuff". Was wondering if anyone has any suggestions as to a book or other item...
by mattyfu1
Wed Mar 22, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA's to Vanguard question
Replies: 6
Views: 584

Re: Simple IRA's to Vanguard question

Based off of info I provided in the first post, would you suggest a trad IRA or conversion to ROTH? It is hard to know. The decision to convert depends on current and multiple different future circumstances, considerations and personal choice. First, you should compare your current marginal tax rat...
by mattyfu1
Wed Mar 22, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Simple IRA's to Vanguard question
Replies: 6
Views: 584

Re: Simple IRA's to Vanguard question

It has been 2 years since the 1st SIMPLE IRA contributions to each account. So I can rollover to a Vanguard Traditional IRA? Can she combine each to one Trad. IRA and make contributions? Can she convert it to a ROTH under her name? Both the SIMPLE IRA rollover, other IRA assets and future contribut...