Search found 166 matches

by somekevinguy
Tue Jan 05, 2021 11:54 am
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 117
Views: 17164

Re: Are plasma TV's gone forever?

My 2008 Panasonic Viera 50" plasma is still going strong in the basement. Nice and dark down there. Never have fixed a thing on it. I want a 65" OLED. Saw a $1,500 price point for a 65" OLED during Christmas. Didn't jump on it. I assume plasma is gone. Too hard to make. New tech will...
by somekevinguy
Sat Dec 12, 2020 4:52 am
Forum: Personal Consumer Issues
Topic: Relocation to Houston, Texas from SF Bay - Advice
Replies: 102
Views: 8907

Re: Relocation to Houston, Texas from SF Bay - Advice

With your net worth and lifestyle, why the move to Houston? Do you want more money? Is it because DW wants to advance her career? Are the kids ok/excited about the move? Is there a desire to leave CA? I would ask why you are considering this potential change. This...doesn’t seem like you need more ...
by somekevinguy
Tue Nov 10, 2020 12:00 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 342
Views: 24150

Re: How do YOU make coffee?

Went from keruig to nespresso to oxo drip system and finally to freshly roasted, burr grinder at home, pour over using a chemex. A step up at every stage with the chemex the overall winner thus far.
by somekevinguy
Sun Nov 08, 2020 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Oversized mortgage- worth the lost sleep?
Replies: 38
Views: 3503

Re: Oversized mortgage- worth the lost sleep?

It all depends on how you spend your money. We have very similar income (about 100k more and more stable w2’s instead of stock bonuses etc) and about the same size mortgage you’re considering. It works just fine and we’re able to put 6k/mo into taxable and max out all retirement accounts including a...
by somekevinguy
Fri Oct 30, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Solar in SF bay area and wide price discrepancy?
Replies: 14
Views: 910

Re: Solar in SF bay area and wide price discrepancy?

I just installed solar in the bay area (peninsula)- I did get quotes from energy sage but went with sunpower in the end due to the superior warranties and a good experience from my neighbor. We installed a much smaller system than you (5400 kW system using their 360w panels and microinverters ) but ...
by somekevinguy
Wed Oct 14, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: PV Solar - quote
Replies: 13
Views: 721

Re: PV Solar - quote

That seems extremely high. We are having a similar sized system installed in Northern CA (tends to be pricier), from Sunpower (one of the better, if not the "best" company when it comes to reputation/warranties) for 16K before tax credit, so something like 11,840 after credit plus an addit...
by somekevinguy
Wed Sep 23, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 707
Views: 165705

Re: Bank of America/Merrill Edge - Preferred Rewards

How many cash rewards cards (or other bonus eligible reward cards) do you have with BoA? Can you keep applying for and have multiple cash reward cards so you have much more than the $2500 quarterly limit? yes- we have 6 between my wife and me- there's the wildlife one, susan komen one, MLB one, reg...
by somekevinguy
Tue Sep 22, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: BofA Premium Rewards 5.25% Categories?
Replies: 23
Views: 1440

Re: BofA Premium Rewards 5.25% Categories?

According to that Doctor of Credit link the cash rewards card maxes out at 5.25% for gas (not groceries), 3.5% for grocery stores and wholesale clubs, and 1.75% on everything else with a limit of $2500/quarter spend on gas/groceries. Looking at the BofA link, this seems to be out of date. Now it's ...
by somekevinguy
Tue Sep 01, 2020 10:17 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 370
Views: 30951

Re: What is your age and asset allocation ?

Age 37.

73/27 equity/fixed income
by somekevinguy
Mon Aug 17, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Pour-Over Coffee maker
Replies: 39
Views: 2560

Re: Pour-Over Coffee maker

I find pour over a pain in the neck. I visited this site and discovered most on this actually mimic pour over. I ended up with the OXO 8 cup. It comes with a smaller filter basket to make single 10oz cups too. https://sca.coffee/certified-home-brewer I have the same Oxo 8 cup for everyday use (my p...
by somekevinguy
Fri Jul 24, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 4049

Re: Family expanding - Time for a 3 row SUV

My wife didn’t want a minivan either. We bought an odyssey and now she loves it. We have 3 kids and had a highlander already. The odyssey is far superior to the highlander in every way for family trips (more comfy, easier to get in and out, doors that don’t trap the kids in or risk getting fingers c...
by somekevinguy
Tue Jul 07, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: 8 seater SUV questions
Replies: 25
Views: 1746

Re: 8 seater SUV questions

Just going to throw it out there, as someone with three kids, a minivan is far superior to even a huge SUV. We have a highlander, which admittedly, has a small 3rd row, and an Odyssey and there is no comparison- the odyssey is the family car. If you need AWD, you can go Sienna. Add some mud/snow tir...
by somekevinguy
Sat May 23, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: What do people spend money on?
Replies: 52
Views: 5424

Re: What do people spend money on?

Do some reflecting and consider what has brought joy and value to your life. That may be material purchases (for me, a nice coffee maker, nice vacuum, good kitchen stuff, etc) or perhaps more in the realm of time and experiences. The latter is definitely where we have found the most value and joy- e...
by somekevinguy
Sat May 23, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: House budget advice
Replies: 10
Views: 991

Re: House budget advice

My perspective: Similar circumstances in terms of dual physicians, similar ages, similar income, similar spending habits (I even drive a 2006 Honda and have been an attending 6 years) except: about 3x retirement savings, + 3 kids, +VVHCOL (Bay area) with houses ~6x the price you're looking at. I thi...
by somekevinguy
Sun May 10, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 10345

Re: $2 million dollar house pre requisites

Having taken this plunge and bought a 2.X M home in VHCOL area, I'll say that the general "rules of thumb" tend not to work well and be quite conservative. They also assume that your other spending tracks linearly with your housing costs which just isn't the case. i.e. you can buy a pretty...
by somekevinguy
Sun May 10, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: New Laptop Recommendations
Replies: 53
Views: 3889

Re: New Laptop Recommendations

I have no time for malware, viruses, adware or spyware of any kind. I also don't have an IT dept looking after my needs to solve all sort of bloated software and failed hardware problems. It is Apple laptops for me. We have half a dozen around the house and they have never failed us. Agree with thi...
by somekevinguy
Wed Apr 29, 2020 10:46 pm
Forum: Investing - Theory, News & General
Topic: If you believing in Timing the market, Would you reduce equity allocation now?
Replies: 110
Views: 8284

Re: If you believing in Timing the market, Would you reduce equity allocation now?

Also touches on the good old 'miss the best 10 days in the market' malarkey. https://www.marketwatch.com/articles/timing-the-market-pays-off-buy-and-hold-51588186928?mod=mw_latestnews I'm laughing at that article because the author misses something terribly fundamental about best and worst days. Li...
by somekevinguy
Wed Apr 29, 2020 5:37 pm
Forum: Personal Investments
Topic: Deviating from "set it and forget it" investment approach
Replies: 63
Views: 5031

Re: Deviating from "set it and forget it" investment approach

Overall with the amount you've been able to save at a young age as well as what sounds like relatively modest spending habits, you'll likely be fine regardless of what you do. Even if you were ok staying the course and didn't panic, I do think that there is wisdom in using this crisis to help gauge ...
by somekevinguy
Mon Apr 06, 2020 4:10 pm
Forum: Investing - Theory, News & General
Topic: J Collins recommended article: Traditional vs Roth IRA
Replies: 20
Views: 1630

Re: New article: Traditional vs Roth IRA

Fortunately, the choice of t vs. R does not need to be the same throughout a working career. So, how does one determine when that expected nest egg will be large enough so Roth contributions now become preferable? By comparing marginal vs. marginal, not marginal vs. effective. Does that makes sense...
by somekevinguy
Mon Apr 06, 2020 3:21 pm
Forum: Investing - Theory, News & General
Topic: J Collins recommended article: Traditional vs Roth IRA
Replies: 20
Views: 1630

Re: New article: Traditional vs Roth IRA

The authors appear to be marginally knowledgeable. Not very effective in their analysis and understanding. This quote sealed the deal for me. What you need to do instead is compare your MARGINAL tax rate TODAY with your EFFECTIVE tax rate in the FUTURE. That's because any contributions to a Traditi...
by somekevinguy
Sun Apr 05, 2020 7:47 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 17168

Re: What percentage of your paycheck do you invest?

My family puts 10% of each paycheck into our investment accounts. We are looking to increase this to 15% moving forward. How about all of you? Same as you: 10-15% of base pay. I’m all over the map with what I do with my annual bonus. I’ll bet you guy were not expecting the kind of answers your gett...
by somekevinguy
Sat Apr 04, 2020 6:42 pm
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11496

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

Far from seasoned but: 1) considering my bond composition and shifting (eventually) more towards treasuries vs. BND (ie corporate +treasuries) to theoretically take less risk on the fixed income side. Also thinking more about risk (ie fat tail, deflation, inflation) and how to mitigate that and at w...
by somekevinguy
Tue Mar 24, 2020 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What credit card are you using that is not Citi 2% cashback?
Replies: 57
Views: 8940

Re: What credit card are you using that is not Citi 2% cashback?

Same cards as always BoA cash rewards: 5.25% on gas, 3.5% on grocery BoA premium rewards: 3.5% on travel and restaurants, 2.625% on everything else. Fantastic combo. This, except have 4 cash rewards cards between wife and I so 2-3 are always set to online, 1 to gas, and 1 to travel/dining. Thats 5....
by somekevinguy
Wed Mar 11, 2020 1:49 pm
Forum: Personal Investments
Topic: Yet another TLH question....
Replies: 21
Views: 1067

Re: Yet another TLH question....

Yes, sell all shares of VTSAX with a loss to exchange for shares of VLCAX. Do the same with VTIAX and VFWAX. If you aren't selling all of your shares, then make sure you didn't buy VTSAX or VTIAX within 30 days before/after any lot you sold. If you're selling all your shares don't worry about it. D...
by somekevinguy
Wed Mar 11, 2020 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home 3x income ?
Replies: 28
Views: 3401

Re: Buying a home 3x income ?

I think this rule of thumb is very geographically and income dependent and thus not very useful for some of us. In some areas, like the VHCOL Bay Area where I live, even with a 500K income (just as an example), you're going to be hard pressed to find a house for 3x income in many areas. Similarly, i...
by somekevinguy
Wed Mar 11, 2020 12:47 pm
Forum: Personal Investments
Topic: Yet another TLH question....
Replies: 21
Views: 1067

Re: Yet another TLH question....

Yes, sell all shares of VTSAX with a loss to exchange for shares of VLCAX. Do the same with VTIAX and VFWAX. If you aren't selling all of your shares, then make sure you didn't buy VTSAX or VTIAX within 30 days before/after any lot you sold. If you're selling all your shares don't worry about it. Do...
by somekevinguy
Wed Mar 11, 2020 12:43 pm
Forum: Personal Investments
Topic: Can/should I TLH again today?
Replies: 28
Views: 1278

Re: Can/should I TLH again today?

I would sell all your positions in VTMGX and exchange for VTIAX and sell all your positions in VFIAX in exchange for VTSAX. Basically the same positions and another 4K loss to carry over. (as opposed to target date fund with its bond holdings in taxable)
by somekevinguy
Mon Mar 09, 2020 11:55 am
Forum: Personal Investments
Topic: Tax loss harvesting - how complicated come tax filing season?
Replies: 28
Views: 1679

Re: Tax loss harvesting - how complicated come tax filing season?

I would sell vtiax as well as vbtlx, for a net loss of $3000 approximately to be used as offset against ordinary income. One should not really have bond funds in taxable account, they are highly tax inefficient. They best belong in your 401k, even if the bond fund in your 401k has somewhat higher e...
by somekevinguy
Sun Mar 01, 2020 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660627

Re: Refinance Mega Thread

Been shopping around a bunch for our refinance. Currently at 4% with 634k remaining on the loan. 75% LTV. Excellent credit. Best i can find for a 30-year is lenderfi at 3.25% with a $2299 credit that wipes out all costs. Anyone find anything better so far in your searches? Keybank gave me a jumbo l...
by somekevinguy
Sun Mar 01, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: iPhone 6s - upgrade to 11 or 12?
Replies: 41
Views: 3202

Re: iPhone 6s - upgrade to 11 or 12?

I'll just say I had a 6s and was waiting to upgrade until the 12 came out (given 5g, new redesign etc). T mobile had some deals with Costco that basically led to free iPhone 11's and so I upgraded. In retrospect, I'm really glad I did: 1) Battery- way better, lasts 1 1/2 days with heavy usage wherea...
by somekevinguy
Sun Mar 01, 2020 11:47 am
Forum: Personal Investments
Topic: Tax Loss Harvesting/Choosing Lots
Replies: 4
Views: 401

Re: Tax Loss Harvesting/Choosing Lots

Go to your account, go to "Cost Basis", Under the fund you're interested in selling, go to "Show details". The lots and their losses should be there and makes it easy to choose which to sell for TLH. This all assumes you have SpecID chosen as the cost basis method.
by somekevinguy
Thu Feb 27, 2020 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660627

Re: Refinance Mega Thread

Anyone with good lead on jumbo mortgage lender? Currently have 15 year at 3.625% with BBVA and now able to get 15 yr/3.25% with same lender with $250 CC. Not sure if under 3%/15 possible with jumbo. Thanks Keybank gave me a jumbo physician loan (86% LTV) at 3.125% for 30 yr fixed so I’d guess <3% 1...
by somekevinguy
Tue Feb 25, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 47876

Re: 30 year mortgage under 3%

I don't think we're too far off...currently refinancing at 3.125% for a 30 yr fixed at LTV ~86% (physician) jumbo loan without points. Treasury yields are pretty low but still have some room to come down further...
by somekevinguy
Sun Feb 23, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6855

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

Not exactly the same but close-ish. My wife and I are both from CA and were out in a great city in the midwest 6 years with 2 kids (age 2 and newborn). While we liked the city and our jobs, and cost of living was less than half of what it now is, we moved back to CA (the VVHCOL Bay Area to be specif...
by somekevinguy
Sun Feb 09, 2020 3:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4970
Views: 951058

Re: What's Your Credit Card Rewards Strategy?

Looks like Alliant is 2.5% cb- good but not as good as boa platinum honors unless I’m missing something: https://www.alliantcreditunion.org/bank ... -card#faqs
by somekevinguy
Sun Nov 10, 2019 12:25 am
Forum: Personal Finance (Not Investing)
Topic: BOA card - Preferred platinum and property taxes
Replies: 10
Views: 1916

Re: BOA card - Preferred platinum and property taxes

Thanks. Will use Citi double cash back card since it has 2% guaranteed and I will eat the difference since county will charge just that much if I choose to pay on Dec 1st as opposed to Nov 30. Paying with credit card allows me another 30-45 additional days to pay it off. If you’re b of a platinum h...
by somekevinguy
Mon Oct 14, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: BoA preferred rewards - worth it for very high spend?
Replies: 16
Views: 2071

Re: BoA preferred rewards - worth it for very high spend?

We recently went with the B of A platinum honors route (from primarily chase cards/citi double cash). 5.25% back on most purchases, 3.5% at Costco before 2% exec bonus, and then 2.625% back as a baseline backup isn't too shabby. 1) It is pretty easy to move 100K (and up to 200K to get added transfer...
by somekevinguy
Thu Sep 05, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance -- agent trying to steer me to low deductible vs high?
Replies: 26
Views: 1469

Re: Homeowners insurance -- agent trying to steer me to low deductible vs high?

You're right...generally best for you to take the highest deductibles you can afford and self insure assuming you save in premiums (which you should..) Not that your agent isn't acting in your interest, as I'm guessing most people can't afford a 5K deductible easily but there is also some inherent c...
by somekevinguy
Sun Sep 01, 2019 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9456
Views: 660627

Re: Refinance Mega Thread

Went from 4.45% 30 year fixed jumbo loan in December 2018 to 3.375% 30 year fixed jumbo at 90% CLTV (physician loan) and closed last week. Keybank. Credit scores 800+. Minimal closing costs. Huge difference in monthly payment with break even something like 3 years. Ally and Chase were also reasonabl...
by somekevinguy
Fri Aug 16, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance...am I missing something?
Replies: 15
Views: 1159

Re: Refinance...am I missing something?

You could pay ahead aggressively a little bit and save the total interest amount just the same as a 1/8 point no cost refinance. Why bother? Personally, if it isn't 1/2 a percent point or more difference, it's not even worth my time. Everyone's different that way though. We don’t plan to pay down e...
by somekevinguy
Sun Aug 04, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: HVAC questions: asbestos-insulated ducts need replacing? A/C costs?
Replies: 21
Views: 1784

Re: HVAC questions: asbestos-insulated ducts need replacing? A/C costs?

For what it’s worth, I’ve had about 6 companies come out for estimates (Bay Area-peninsula-2000sq foot home with definite asbestos) and estimates for installing new AC, replacing furnace, removing asbestos through 3rd party, new ductwork (13 supplies), and permits/HERS testing has been in the 13950-...
by somekevinguy
Wed Jul 31, 2019 12:20 am
Forum: Personal Consumer Issues
Topic: Which car to buy?
Replies: 42
Views: 4413

Re: Which car to buy?

Having lived and driven in Michigan for 6 years after moving from California, what you are probably actually looking for and what some have touched on is snow tires. AWD makes little to no difference unless you get stuck in mud or a deep snow bank whereas snow tires will let you actually stop withou...
by somekevinguy
Mon Jul 22, 2019 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house - bay area
Replies: 102
Views: 7528

Re: Buying a house - bay area

Similar income, similar ages, slightly more saved in somewhat more stable jobs + housing allowances and a pension and significantly lower baseline spending- bought a house on the peninsula at similar price point about 6 months ago (30 year fixed- and refinancing already given lower rates). I think t...
by somekevinguy
Sat Jul 06, 2019 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need Perspectives on Potential Home Buying Decision
Replies: 20
Views: 1480

Re: Need Perspectives on Potential Home Buying Decision

As someone who is similarly frugal and similarly contemplated buying a house that would be near 50% take home pay (ended up closer to 40%)-more because we are in a VHCOL area and are buying for the long term-I think given your history of savings and frugality, I think you'd be fine going forward wit...
by somekevinguy
Tue Jun 18, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to prepay mortgage until you can pay the whole thing off?
Replies: 28
Views: 3702

Re: Waiting to prepay mortgage until you can pay the whole thing off?

Thanks for helping me to think about this- at the end of the day, boils down to the premium you’re willing to pay (either in terms of risk for investing or the after tax interest rate difference between a safe investment and a higher mortgage rate) for liquidity. That being said, if your after tax m...
by somekevinguy
Tue Jun 18, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to prepay mortgage until you can pay the whole thing off?
Replies: 28
Views: 3702

Waiting to prepay mortgage until you can pay the whole thing off?

I'm trying to gauge my thinking... it seems like if you ARE going to pay off your mortgage early, it would make sense to hold off on prepaying your mortgage until you have accumulated enough to pay it off in full. I would imagine saving it up in something relatively safe (ie fixed income) and essent...
by somekevinguy
Wed Jun 05, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Mortgage Refinancing
Replies: 14
Views: 1055

Re: Help with Mortgage Refinancing

refinancing with keybank at 90% combined loan to value for 3.625, no points for a jumbo loan. Ally gave me the same rate, no points, but at 85% CLTV. Haven't tried it but have heard some people had success with Better as well. Lastly, worth asking about relationship discounts if you can move assets-...
by somekevinguy
Sun May 26, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Comparison shopping for a mortgage - any advice?
Replies: 17
Views: 3139

Re: Comparison shopping for a mortgage - any advice?

Just did our refinance (purchase only 6 months ago- jumbo 30 yr fixed at 4.45 in December 2018) to 3.625% no points 1k in closing costs. Definitely get several quotes and have them bid against one another. The other thing to look into is relationship discounts as moving assets could get you 1/8 to 1...
by somekevinguy
Sat May 25, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4970
Views: 951058

Re: What's Your Credit Card Rewards Strategy?

Hey guys, let me run this plan by ya. I currently have a BOA Cash Rewards card with the 3% category set to Online Shopping. I normally max out of the $2500/quarter limit with a few weeks to spare. This is "my" card. I just got a American Express Gold card that my wife and I will share. We...