Search found 68 matches

by b.lock
Sun Jun 02, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 3712

Re: How to get the lowest mortgage rate?

aimloan.com was the lowest I found when I shopped around. Working with them was super easy even for a first time buyer like me. And even though all the communication was done over phone and email, they were super responsive and helpful. I even asked them why their rate was so low, and they pointed m...
by b.lock
Sat Apr 27, 2019 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle courses
Replies: 45
Views: 5341

Re: Side Hustle courses

I manage a team that works in the social ads (Facebook ads) space, and charging $1000 - $2000 per month is extremely optimistic. Most of our clients spend $500 per month, maybe. And even then it takes a whole team of salespeople, copywriters, creative, and (to a lesser degree) software engineers. Bu...
by b.lock
Sun Apr 21, 2019 5:21 am
Forum: Personal Investments
Topic: Coming up on 40, please review my portfolio and direction
Replies: 30
Views: 4129

Re: Coming up on 40, please review my portfolio and direction

If you have $670,000 now, and put $250,000 per year for the next five years you will have $1,920,000. If your expenses are $24,000 per year as you claim then you have 80 years worth of living expenses. In reality you will have more if your investments increase in value. And I didn't include the rent...
by b.lock
Sat Apr 06, 2019 3:58 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 32
Views: 3192

Re: Fidelity Full View?

I like it. It's a little quirky and sometimes can't connect to my accounts, but it works pretty well. I like to see as much as I can in one place, and I like it better than Mint because I'm only a few clicks from all my investments (all my retirement accounts are in Fidelity) and can see details abo...
by b.lock
Sun Mar 24, 2019 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Where do you find high paying jobs?
Replies: 72
Views: 5619

Re: Where do you find high paying jobs?

Anecdotally, I broke $100,000 salary when I became a programming manager. I have a degree in computer science from a public university, but not one highly ranked for computer science. I worked in I.T. while I went to school for four years, and then became a programmer when I graduated. After being a...
by b.lock
Thu Mar 21, 2019 1:48 am
Forum: Personal Consumer Issues
Topic: What is the official nail clippers of the Boglehead Community?
Replies: 30
Views: 2364

Re: What is the official nail clippers of the Boglehead Community?

Tweezerman straight clippers. I don't understand how people use curved clippers and get a good clip.

https://www.tweezerman.com/stainless-st ... ipper.html
by b.lock
Mon Mar 18, 2019 1:06 am
Forum: Investing - Theory, News & General
Topic: Fama vs Kahneman [Behavioral Finance]
Replies: 102
Views: 4776

Re: Fama vs Kahneman [Behavioral Finance]

If a behavorist is making a jump between Kahneman's experiments and the markets I don't think that's Kahneman's fault. I think Kahneman's experiments tested specific things and did his experiments very well. I don't think he intended for his experiments to be extrapolated to explain everything about...
by b.lock
Wed Mar 13, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 7102

Re: How many companies have you worked for?

5 jobs, 29 years old.
I worked the same job during college for 4.5 years. I include that one because it was a real job and I could have continued to work there after graduating. I'm on my 4th job after graduating.
by b.lock
Wed Mar 06, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 83
Views: 7934

Re: Financial goals for 2019 (specific)

Save as much as I can. I am aiming for $50,000 saved / invested.
by b.lock
Wed Mar 06, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 33
Views: 4392

Re: Recommend a To-do app please.

I use Google Tasks. It doesn't have a lot of features but it integrates with gmail, which I already use, and there's an Android app.
by b.lock
Mon Feb 18, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7719

Re: Favorite youtube channels?

This old House
Postmodern Jukebox
ChrisFix
Joe Rogan Experience
Big Think
by b.lock
Mon Feb 18, 2019 6:51 am
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 115
Views: 8416

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

I feel crazy saying this, but I thought most of the book was dumb. I read the whole thing. I liked the main point of being antifragile instead of resilient, but Taleb put so much other stuff in that book that did not belong and was not supported by anything else than his opinions. As far as how it r...
by b.lock
Sat Feb 02, 2019 7:17 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 9880

Re: Ally Bank's nightmarish online reviews -- should I be worried?

I've been using Ally as my only bank for three years and it's been great. No complaints.
by b.lock
Fri Feb 01, 2019 12:47 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 10955

Re: How much do you keep in checking?

I try to keep about $2000 - $3000, which is about 1 month's expenses. Sometimes it creeps up higher than that and I'll transfer it to my brokerage. Every once in a while it goes lower and I'll make sure to build up the balance again. If it goes into the negative it will automatically transfer from m...
by b.lock
Wed Jan 16, 2019 2:41 am
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1725

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

I called Fidelity customer service twice. One time was because I was rolling over a 401k into Fid, and the company that had my 401k was extremely difficult to deal with if you wanted to take your money out. Fidelity customer service cleared it up and gave me excellent instructions for what I had to ...
by b.lock
Wed Jan 16, 2019 2:37 am
Forum: Personal Investments
Topic: Super Aggressive MF or ETFs?
Replies: 20
Views: 1255

Re: Super Aggressive MF or ETFs?

If you want an ETF that's 3x as aggressive as a normal sp500 fund get UPRO. It's not Boglehead approved but it will add some spice to your life.
by b.lock
Thu Jan 03, 2019 11:10 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5645

Re: best cheap printer

Brother laser printer has been great for me. HP is also fine. At the bad end of the spectrum is Epson. I would just stay away from ink in general and go with laser printers unless you are using the ink every week or more often. The ink dries up and then you have to buy new ink cartridges or a whole ...
by b.lock
Sat Sep 01, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3588

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

I did this one year ago because I don't trust WiFi speed or reliability. The flexible drill bit was cool to drill through the top plate above the wall studs, but honestly it's easier to just cut a bigger hole in the drywall to access whatever you need to. I as obsessed with removing any more drywall...
by b.lock
Sat Sep 01, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7499

Re: Daily Driver (Car) Over 100K Miles?

I've got a 2010 Hyundai Elantra with 130,000 miles. I have been doing my own maintenance for the last 30,000 miles and it still runs great. Sometimes I shop for other cars on the internet to see what's out there, but I see no real reason to replace my car yet so I'll keep driving it for at least a c...
by b.lock
Wed Jul 18, 2018 3:14 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 61807

Re: Flaunt Your High-Mileage Car

2010 Hyundai Elantra with 130,000 miles. Not the highest mileage car in this thread but it's been excellent to me and I plan to keep it as long as I can.
by b.lock
Wed Jul 04, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Keto Diet
Replies: 16
Views: 1921

Re: Keto Diet

I've done it twice for 6 weeks each time. I ate no more than 20g of carbs per day, but I think a 50g limit is more typical. I think I lost about 10 lbs each time. The hard part is finding low carb stuff that you dont get sick of. If you work 9-5, you'll either want to prepare your own food or get th...
by b.lock
Mon Jul 02, 2018 1:34 am
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 10044

Re: What are you learning or studying?

Audiobooks during the commute. Usually these are about psychology, behavioral economics, or how to be a better manager. I am currently doing a lot of maintenance on my car that has been a bit neglected over the last couple of years. YouTube, especially ChrisFix and Eric The Car Guy, have been very h...
by b.lock
Wed May 09, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 8782

Re: Gold ball cracked my house window. Do I have any recourse?

Gold ball flying through your window... First world problems!
:P
by b.lock
Wed Apr 25, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 35587

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

28
Saved $30,000 last year, on track to save $37,000 this year.
by b.lock
Thu Apr 12, 2018 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Midcareer reading List/Advice
Replies: 4
Views: 641

Re: Midcareer reading List/Advice

If you're a programmer or want to lead programmers I suggest "Managing the Unmanageable" by Mickey Mantle. It may be useful for other tech jobs but it's written with programmers in mind. I havent read anything else specifically for career advice, but "How to Win Friends and Influence People", "Influ...
by b.lock
Wed Apr 11, 2018 2:40 am
Forum: Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 5481

Re: Any aggressive index funds in your portfolio?

I don't invest in the funds you mentioned, but I invest in some possibly aggressive index funds. Namely FBIOX which invests in biotech companies. You maybe could consider UPRO an aggressive index fund as well. I wouldn't recommend either unless you're looking for a bit of excitement in your portfoli...
by b.lock
Wed Apr 11, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 44374

Re: Name something you bought that wasn't cheap and glad you did

Any tools made by Makita; they are always worth the premium.
by b.lock
Tue Apr 10, 2018 2:38 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 14631

Re: Tequila and Magaritas

I make margaritas by the gallon. In my opinion, the brand of tequila or orange liquer does not matter. What matters is the quality and freshness of the limes and lemons. I make mine with fresh squeezed limes and lemons. it's labor intensive but amazing. If you Google for "gallon of margarita recipe"...
by b.lock
Sun Apr 01, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 38676

Re: Got my Ruth's Chris seminar invitation, "Surviving Retirement"

My wife and I are both retired and she has her IRAs (Traditional, Rollover, and Roth) with Fidelity. Thus we were invited to a Ruth Chris dinner presentation for retirement planning last year. Is this a common thing for Fidelity customers? Anyone know what age you have to be and how much money you ...
by b.lock
Fri Mar 30, 2018 9:20 am
Forum: Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 3633

Re: How many are using Automatic contributions?

I do automatic into my 401k, and I also set Fidelity up to do automatic deposits into my Roth twice a month. Once the Roth is full I change the scheduled contributions so that they go into taxable instead. I like it a lot.
by b.lock
Sat Mar 24, 2018 5:21 am
Forum: Personal Investments
Topic: Technical Analysis vs. Don't Try To Market Time
Replies: 28
Views: 2309

Re: Technical Analysis vs. Don't Try To Market Time

There are better and worse days to buy, they happen every day. You have no idea which day will be better and which will be worse. When I first started investing I thought a 2% market increase was a huge deal and a terrible time to buy. I thought it might make a big difference in my retirement. But I...
by b.lock
Fri Mar 23, 2018 4:02 am
Forum: Personal Finance (Not Investing)
Topic: Politics of Internal Promotion & Interviewing at Other Companies
Replies: 13
Views: 1306

Re: Politics of Internal Promotion & Interviewing at Other Companies

You say you can't leave this job right now, so don't. Tell your employer about the other employers reaching out to you so that your employer sees you as valuable thanks to social proof. But also tell your employer you want to keep working for them. The thing most employers have the hardest time find...
by b.lock
Thu Mar 22, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 2637

Re: Berlin - how many days and where to stay?

I was in Berlin for 3 days and stayed in a hostel. It was a lot of fun and I wish I stayed longer!
by b.lock
Tue Mar 20, 2018 2:21 am
Forum: Investing - Theory, News & General
Topic: Do you Continue to invest even in down market??
Replies: 54
Views: 7509

Re: Do you Continue to invest even in down market??

1000 times yes. the only thing that matters is what the price will be in the future. The terminology "Down" markets insinuates that markets are down and will keep going down, but how do you know what the market will do?
by b.lock
Mon Mar 19, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Ever received a legitimate unsolicited call from the I.R.S.?
Replies: 24
Views: 2739

Re: Ever received a legitimate unsolicited call from the I.R.S.?

Almost every day. Here is how my voice to text interprets it: "Can you from investigation team of IRS? We have just received a notification regarding your tax filing from the headquarters, which will get expired in the next 24 working hours and once again expired after that you will be taken under c...
by b.lock
Fri Mar 16, 2018 4:20 am
Forum: Investing - Theory, News & General
Topic: Could all of these "low expected returns over next 10 years" predictions be wrong?
Replies: 120
Views: 13111

Re: Could all of these "low expected returns over next 10 years" predictions be wrong?

It's certainly possible that returns are 4% or lower, but I have very little faith in the ability of "experts" to predict such a thing. Even if they turn out to be right, they will probably be right for the wrong reasons. Humans are terrible at predicting things. predicting something over 10 years i...
by b.lock
Thu Mar 15, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 249
Views: 38566

Re: Those with high savings rate: why?

All of the above. Plus I like saving money, it's a fun game. Even though I save a lot compared to people around me I don't feel like I'm missing out on anything. I also have pretty cheap tastes, most of the time, which makes it easier.
by b.lock
Wed Mar 14, 2018 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 16593

Re: Need advice re: Liberal Arts Colleges...

I think that you and your daughter should look up the employment rate for each major, as well as the income per major. I wish someone told me to do that when I first started. I can't believe my parents trusted 18 year old me enough to pay for my college when I didn't know what I was doing for the fi...
by b.lock
Fri Mar 09, 2018 1:17 am
Forum: Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 88
Views: 13052

Re: Can I take an 85+% pay cut for fun?

Can you make it work? Yea probably. Are there alternative solutions that don't involve a 85% pay cut and would make you just as happy? Almost definitely. Lots of jobs get repetitive and have a lot of little irritants, probably also including whatever one you are thinking of switching too. software d...
by b.lock
Wed Mar 07, 2018 11:30 am
Forum: Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 4608

Re: Switching to online bank. Keep brick/mortar bank account open?

I was 100% bank of America and slowly started switching to Ally. Now I'm 100% Ally and have been for the last 2 years. I have my checking and savings accounts with them. I had one issue where they messed up a cashier's check, but I called them and they fixed the problem and over nighted a new cashie...
by b.lock
Mon Feb 19, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 14
Views: 1359

Re: Gorilla Tape for Labels?

The clear plastic tape over a piece of paper should work well for being stored indoors, it always has for me. I think the "luggage tags" tag idea is also good.
by b.lock
Wed Feb 14, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 113
Views: 11520

Re: PSA: Bank of America now charges $12/month for checking

BofA did this to me last year when I stared moving my money to Ally. They refunded the fee and said it wouldn't happen again. It happened again the next month so I went into a branch the next day and closed my checking and saving accounts and transferred the money to Ally. Now I'm 100% with Ally and...
by b.lock
Mon Feb 12, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Seeking career advice - Software Engineer
Replies: 34
Views: 3415

Re: Seeking career advice - Software Engineer

I am a software engineer. My general advice is that learning new technologies to the point where you can speak about them competently during an interview is always a good thing to do. Look at job postings and Dice surveys to see what most employers are looking for. To management, these layoffs may b...
by b.lock
Sun Jan 28, 2018 9:24 pm
Forum: Personal Investments
Topic: Derisking my Portfolio with a Leveraged Mutual Fund
Replies: 38
Views: 2941

Re: Derisking my Portfolio with a Leveraged Mutual Fund

OP, I don't think your idea is crazy. I have about 5% of my portfolio in UPRO. I've held it for about 4 months, despite the SEC warnings that it should not be held for longer than a day, and it's gained over 50% since then. However, it's easy to make money when the stock market is breaking records a...
by b.lock
Sat Dec 09, 2017 3:06 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 7646

Re: I am buying a car: Most/Least Reliable Makes?

It's not just how reliable the car is, it's also how much it costs to fix. Toyota (any year) and Hyundai/Kia (after 2005 or so) are very reliable and cheap and easy to fix. Volvo's are generally reliable, but usually expensive to fix just like BMW, Audi/VW, and Mercedes.
by b.lock
Mon Oct 23, 2017 3:18 am
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 3205

Re: Best no sweat athletic/work socks

Nike Dri-Fit Cushion Low-Cut Training Socks (http://a.co/35guMpX) After buying some of these, I threw away all of my other pairs of socks (besides dress socks). I wear them nearly every day. I love them for working out or being at the office. I also have a lot of the slightly cheaper but still great...
by b.lock
Thu Oct 19, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 33646

Re: Sitting on cash....Waiting for a crash

Houe wrote:
Thu Oct 19, 2017 8:15 am
It seems like there is a lot of fear lately. Dow down 100 today.
Thank you for bringing this post back up. It's fun (and educational) to look back on what people were thinking 7 months ago.
by b.lock
Wed Oct 04, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 7021

Re: Do you foresee a drop in housing prices in the next 5 years

WL2034 wrote:
Tue Oct 03, 2017 2:17 pm
But then I realize that this is a warning sign from the last bubble, making it easily noticeable. If it were a warning sign for an upcoming bubble, it would pass unnoticed.
Wise words. Very True.
by b.lock
Wed Oct 04, 2017 1:39 am
Forum: Investing - Theory, News & General
Topic: Shooting for the moon as a young investor
Replies: 19
Views: 2716

Re: Shooting for the moon as a young investor

A leveraged ETF such as UPRO might fit the bill. It has way bigger swings than the S&P, but also way bigger returns, and you can't lose more than you invest. Avoid this speculative product - these are specialized vehicles for short-term traders only. The Bogleheads Wiki (https://www.bogleheads.org/...
by b.lock
Tue Oct 03, 2017 11:42 pm
Forum: Investing - Theory, News & General
Topic: Shooting for the moon as a young investor
Replies: 19
Views: 2716

Re: Shooting for the moon as a young investor

A leveraged ETF such as UPRO might fit the bill. It has way bigger swings than the S&P, but also way bigger returns, and you can't lose more than you invest.